Property/casualty (P/C) insurers pay out billions of dollars each year to settle claims. Many of the payments go to businesses, such as auto repair companies, that help claimants get their lives back together after an accident, fire, windstorm or other incident that caused the injury or property damage. Insurance claim payments support local businesses, enabling them to provide jobs and pay taxes that support the local economy. When life insurance claims are paid, funds flow into the general economy, as beneficiaries spend the money they receive. When P/C insurance claims are paid, funds flow to the industries that supply claimants with the goods and services necessary for their recovery. The following charts show incurred losses, i.e., losses occurring during a fixed period, whether or not adjusted or paid during the same period.
Incurred Losses By State
Incurred Losses By State, Property/Casualty Insurance, 2025 (1)
| State | Incurred losses | State | Incurred losses |
|---|---|---|---|
| Alabama | $7,800,064 | Montana | $2,489,407 |
| Alaska | 1,044,412 | Nebraska | 4,174,371 |
| Arizona | 11,707,628 | Nevada | 6,854,253 |
| Arkansas | 5,472,372 | New Hampshire | 1,806,740 |
| California | 101,162,201 | New Jersey | 18,926,345 |
| Colorado | 10,882,611 | New Mexico | 2,942,199 |
| Connecticut | 7,771,790 | New York | 43,095,155 |
| D.C. | 1,394,356 | North Carolina | 13,774,148 |
| Delaware | 2,731,666 | North Dakota | 2,200,304 |
| Florida | 36,968,497 | Ohio | 14,168,976 |
| Georgia | 21,190,888 | Oklahoma | 6,974,994 |
| Hawaii | 1,431,690 | Oregon | 6,239,284 |
| Idaho | 2,772,941 | Pennsylvania | 21,847,006 |
| Illinois | 24,015,772 | Rhode Island | 2,032,928 |
| Indiana | 10,185,062 | South Carolina | 8,518,911 |
| Iowa | 4,650,547 | South Dakota | 1,844,246 |
| Kansas | 6,074,816 | Tennessee | 10,207,328 |
| Kentucky | 8,257,415 | Texas | 60,412,438 |
| Louisiana | 8,113,318 | Utah | 4,953,845 |
| Maine | 1,799,537 | Vermont | 863,494 |
| Maryland | 9,554,654 | Virginia | 11,789,142 |
| Massachusetts | 11,242,997 | Washington | 13,078,501 |
| Michigan | 16,471,350 | West Virginia | 2,539,196 |
| Minnesota | 9,929,660 | Wisconsin | 10,396,720 |
| Mississippi | 4,301,541 | Wyoming | 1,241,401 |
| Missouri | 13,719,407 | United States | $614,018,525 |
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance. Excluding U.S. Territories.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Incurred Losses By State, Private Passenger Auto Insurance, 2019 (1)
| State | Incurred losses | State | Incurred losses |
|---|---|---|---|
| Alaska | $308,139 | Montana | $588,968 |
| Alabama | 2,258,109 | Nebraska | 911,323 |
| Arizona | 3,552,668 | Nevada | 1,798,167 |
| Arkansas | 1,278,682 | New Hampshire | 534,065 |
| California | 19,828,210 | New Jersey | 5,127,131 |
| Colorado | 3,611,420 | New Mexico | 933,190 |
| Connecticut | 2,025,687 | New York | 9,742,081 |
| Delaware | 658,301 | North Carolina | 4,416,542 |
| D.C. | 247,225 | North Dakota | 341,128 |
| Florida | 14,573,433 | Ohio | 4,138,688 |
| Georgia | 6,545,121 | Oklahoma | 1,624,033 |
| Hawaii | 491,485 | Oregon | 1,898,564 |
| Idaho | 635,120 | Pennsylvania | 5,987,024 |
| Illinois | 4,960,261 | Rhode Island | 644,406 |
| Indiana | 2,426,160 | South Carolina | 2,895,281 |
| Iowa | 1,133,148 | South Dakota | 366,509 |
| Kansas | 1,241,349 | Tennessee | 2,756,583 |
| Kentucky | 2,034,506 | Texas | 14,857,798 |
| Louisiana | 3,017,890 | Utah | 1,447,401 |
| Maine | 475,688 | Vermont | 220,562 |
| Maryland | 3,516,122 | Virginia | 3,823,270 |
| Massachusetts | 3,428,912 | Washington | 3,587,146 |
| Michigan | 5,871,429 | West Virginia | 773,648 |
| Minnesota | 2,517,671 | Wisconsin | 2,044,770 |
| Mississippi | 1,273,691 | Wyoming | 323,346 |
| Missouri | 2,687,254 | United States | $162,379,305 |
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Incurred Losses By State, Homeowners Insurance, 2019 (1)
| State | Incurred losses | State | Incurred losses |
|---|---|---|---|
| Alabama | $911,785 | Montana | $138,443 |
| Alaska | 78,263 | Nebraska | 831,422 |
| Arizona | 758,282 | Nevada | 310,490 |
| Arkansas | 450,791 | New Hampshire | 167,682 |
| California | 15,537,312 | New Jersey | 1,027,437 |
| Colorado | 1,847,521 | New Mexico | 399,164 |
| Connecticut | 530,780 | New York | 2,255,396 |
| Delaware | 101,998 | North Carolina | 1,239,572 |
| D.C. | 74,814 | North Dakota | 66,665 |
| Florida | 8,338,668 | Ohio | 1,382,572 |
| Georgia | 2,281,253 | Oklahoma | 733,822 |
| Hawaii | 124,226 | Oregon | 556,768 |
| Idaho | 256,968 | Pennsylvania | 1,450,507 |
| Illinois | 2,872,152 | Rhode Island | 156,012 |
| Indiana | 1,084,975 | South Carolina | 721,977 |
| Iowa | 656,054 | South Dakota | 186,924 |
| Kansas | 639,267 | Tennessee | 1,057,190 |
| Kentucky | 600,526 | Texas | 6,923,450 |
| Louisiana | 616,808 | Utah | 285,032 |
| Maine | 197,973 | Vermont | 91,470 |
| Maryland | 903,136 | Virginia | 1,294,734 |
| Massachusetts | 738,068 | Washington | 936,217 |
| Michigan | 1,477,520 | West Virginia | 191,015 |
| Minnesota | 1,855,159 | Wisconsin | 821,867 |
| Mississippi | 453,816 | Wyoming | 134,152 |
| Missouri | 1,323,972 | United States | $68,072,066 |
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Incurred Losses By State, Commercial Insurance, 2019 (1)
| State | Incurred losses | State | Incurred losses |
|---|---|---|---|
| Alabama | $1,793,587 | Montana | $919,776 |
| Alaska | 356,189 | Nebraska | 1,708,365 |
| Arizona | 2,327,020 | Nevada | 1,672,253 |
| Arkansas | 1,600,472 | New Hampshire | 468,357 |
| California | 21,356,376 | New Jersey | 6,785,945 |
| Colorado | 3,103,153 | New Mexico | 889,278 |
| Connecticut | 2,220,881 | New York | 15,514,275 |
| Delaware | 688,956 | North Carolina | 3,702,391 |
| D.C. | 378,394 | North Dakota | 1,273,448 |
| Florida | 14,534,813 | Ohio | 4,238,179 |
| Georgia | 5,610,805 | Oklahoma | 1,893,782 |
| Hawaii | 584,652 | Oregon | 1,868,227 |
| Idaho | 850,249 | Pennsylvania | 7,314,696 |
| Illinois | 8,527,029 | Rhode Island | 525,819 |
| Indiana | 2,861,556 | South Carolina | 2,250,933 |
| Iowa | 1,879,763 | South Dakota | 1,591,974 |
| Kansas | 1,784,301 | Tennessee | 2,336,953 |
| Kentucky | 1,875,461 | Texas | 17,492,038 |
| Louisiana | 2,971,976 | Utah | 1,123,346 |
| Maine | 566,361 | Vermont | 328,064 |
| Maryland | 2,789,339 | Virginia | 2,822,991 |
| Massachusetts | 3,638,401 | Washington | 2,946,766 |
| Michigan | 3,848,514 | West Virginia | 644,046 |
| Minnesota | 3,862,174 | Wisconsin | 3,185,911 |
| Mississippi | 1,262,239 | Wyoming | 351,323 |
| Missouri | 3,507,667 | United States | $178,629,467 |
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Incurred Losses By State, Workers Compensation Insurance, 2019 (1)
| State | Incurred losses | State | Incurred losses |
|---|---|---|---|
| Alabama | $143,564 | Montana | $154,455 |
| Alaska | 69,449 | Nebraska | 190,479 |
| Arizona | 411,633 | Nevada | 186,877 |
| Arkansas | 113,937 | New Hampshire | 75,221 |
| California | 4,631,636 | New Jersey | 1,327,417 |
| Colorado | 481,069 | New Mexico | 132,515 |
| Connecticut | 361,742 | New York | 1,381,092 |
| Delaware | 47,974 | North Carolina | 519,760 |
| D.C. | 75,748 | North Dakota | 110 |
| Florida | 1,546,007 | Ohio | 11,753 |
| Georgia | 746,776 | Oklahoma | 182,901 |
| Hawaii | 151,164 | Oregon | 394,994 |
| Idaho | 314,351 | Pennsylvania | 1,470,850 |
| Illinois | 1,078,842 | Rhode Island | 125,915 |
| Indiana | 354,699 | South Carolina | 404,220 |
| Iowa | 365,676 | South Dakota | 88,499 |
| Kansas | 217,942 | Tennessee | 297,401 |
| Kentucky | 353,353 | Texas | 922,526 |
| Louisiana | 397,280 | Utah | 208,654 |
| Maine | 148,236 | Vermont | 107,798 |
| Maryland | 441,939 | Virginia | 508,363 |
| Massachusetts | 756,459 | Washington | -14,301 |
| Michigan | 323,267 | West Virginia | 99,646 |
| Minnesota | 504,421 | Wisconsin | 1,068,062 |
| Mississippi | 159,864 | Wyoming | -205 |
| Missouri | 509,373 | United States | $24,551,401 |
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Life Insurance Claims And Benefits Paid By State, 2019 (1)
| State | Incurred losses | State | Incurred losses |
|---|---|---|---|
| Alabama | $6,346,204 | Montana | $1,251,800 |
| Alaska | 1,209,744 | Nebraska | 4,147,955 |
| Arizona | 10,731,228 | Nevada | 3,700,350 |
| Arkansas | 3,455,412 | New Hampshire | 3,041,513 |
| California | 54,149,695 | New Jersey | 23,448,834 |
| Colorado | 9,135,183 | New Mexico | 2,320,059 |
| Connecticut | 20,431,775 | New York | 46,376,639 |
| Delaware | 11,815,090 | North Carolina | 15,544,519 |
| D.C. | 2,297,225 | North Dakota | 1,262,696 |
| Florida | 40,497,609 | Ohio | 21,500,084 |
| Georgia | 15,920,046 | Oklahoma | 4,395,394 |
| Hawaii | 2,699,710 | Oregon | 6,152,166 |
| Idaho | 2,181,859 | Pennsylvania | 28,324,239 |
| Illinois | 21,548,170 | Rhode Island | 2,122,265 |
| Indiana | 10,924,080 | South Carolina | 7,353,026 |
| Iowa | 10,236,743 | South Dakota | 1,461,123 |
| Kansas | 4,800,137 | Tennessee | 10,303,027 |
| Kentucky | 6,447,731 | Texas | 33,996,071 |
| Louisiana | 6,846,844 | Utah | 4,765,669 |
| Maine | 2,307,339 | Vermont | 1,231,078 |
| Maryland | 10,586,801 | Virginia | 13,333,591 |
| Massachusetts | 19,845,463 | Washington | 10,668,287 |
| Michigan | 19,620,725 | West Virginia | 2,421,391 |
| Minnesota | 14,140,167 | Wisconsin | 11,207,735 |
| Mississippi | 3,222,378 | Wyoming | 824,487 |
| Missouri | 12,813,454 | United States | $585,364,809 |
(1) On a direct basis before reinsurance. Includes life insurance, death benefits, matured endowments, annuity benefits, and other life insurance benefits. Does not include accident and health benefits.
Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
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