AVERAGE EXPENDITURES FOR AUTO INSURANCE BY STATE, 2005-2009
  2009 2008   Average expenditure
State Liability Collision Compre-
hensive
Average expenditure Rank (1) Average expenditure Rank (1) Average
expenditure
percent change
2008-2009
2007 2006 2005
Alabama $352 $302 $129 $652 34 $663 31 -1.6% $684 $684 $679
Alaska 554 371 148 897 12 904 12 -0.8 923 955 968
Arizona 483 282 204 837 14 858 14 -2.4 875 913 929
Arkansas 365 287 158 656 32 651 34 0.7 660 684 694
California (2) 442 350 102 754 19 779 20 -3.2 810 840 843
Colorado 451 261 143 741 20 729 23 1.7 738 785 829
Connecticut 596 333 121 952 8 950 9 0.2 964 981 993
Delaware 718 283 104 1,021 5 1,007 6 1.4 1,012 1,024 1,028
D.C. 591 430 245 1,128 1 1,126 1 0.1 1,140 1,164 1,187
Florida 707 268 114 1,006 6 1,053 4 -4.5 1,045 1,069 1,064
Georgia 427 339 154 754 19 761 21 -0.8 782 788 785
Hawaii 488 305 108 786 18 816 18 -3.7 837 853 846
Idaho 332 222 112 555 45 563 43 -1.4 564 577 585
Illinois 414 283 110 728 22 714 26 1.9 724 740 743
Indiana 358 241 112 620 38 611 38 1.5 618 631 658
Iowa 280 196 156 532 46 519 46 2.6 518 536 555
Kansas 300 237 192 578 43 576 42 0.2 568 579 589
Kentucky 458 252 120 699 27 699 28 0.0 720 739 751
Louisiana 651 408 212 1,099 3 1,105 2 -0.5 1,096 1,094 1,078
Maine 334 255 94 598 41 600 39 -0.4 611 634 644
Maryland 563 318 140 929 10 922 10 0.7 933 964 969
Massachusetts 528 285 110 860 13 903 13 -4.7 981 1,042 1,113
Michigan 508 384 150 913 11 906 11 0.8 928 925 931
Minnesota 410 204 163 694 28 698 29 -0.7 720 753 792
Mississippi 418 299 173 738 21 749 22 -1.6 765 746 746
Missouri 374 255 154 668 30 656 32 1.8 658 673 685
Montana 394 241 184 655 33 667 30 -1.7 666 661 686
Nebraska 316 206 171 559 44 547 44 2.3 554 584 619
Nevada 622 323 129 944 9 970 8 -2.7 999 1,006 985
New Hampshire 394 271 96 718 24 727 24 -1.3 750 793 792
New Jersey 745 342 130 1,101 2 1,081 3 1.8 1,104 1,152 1,185
New Mexico 435 288 175 713 26 725 25 -1.7 730 737 731
New York 704 335 147 1,057 4 1,044 5 1.3 1,047 1,083 1,125
North Carolina 371 239 109 610 40 595 40 2.4 591 596 602
North Dakota 240 192 219 510 48 503 47 1.3 512 530 555
Ohio 353 239 103 616 39 617 37 0.0 628 654 670
Oklahoma 394 282 159 680 29 663 31 2.7 646 659 678
Oregon 487 228 92 723 23 727 24 -0.5 723 726 738
Pennsylvania 488 297 119 811 17 817 17 -0.7 820 832 850
Rhode Island 646 356 115 969 7 986 7 -1.7 1,017 1,038 1,062
South Carolina 461 243 145 738 21 749 22 -1.5 762 756 754
South Dakota 275 185 192 521 47 520 45 0.2 534 554 566
Tennessee 362 270 120 634 36 639 35 -0.7 649 654 659
Texas 481 361 180 860 13 854 15 0.8 808 820 857
Utah 444 268 105 716 25 709 27 0.9 697 702 707
Vermont 338 276 109 646 35 653 33 -1.2 662 687 700
Virginia 389 252 116 667 31 663 31 0.7 662 685 700
Washington 548 251 110 826 15 839 16 -1.6 841 839 842
West Virginia 502 292 171 815 16 807 19 0.9 819 827 859
Wisconsin 330 205 118 591 42 581 41 1.6 582 590 615
Wyoming 317 272 199 623 37 632 36 -1.4 631 639 640
United States $474 $294 $132 $785   $789   -0.5% $797 $817 $832

(1) Ranked highest to lowest by average expenditure. States with the same premium receive the same rank.
(2) Preliminary.

Note: Average expenditure=Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average expenditures and does not endorse any conclusion drawn from these data.

Source: © 2012 National Association of Insurance Commissioners (NAIC).