2020 Insurance Fact Book

U.S. Insurance Industry, All Sectors

Employment and Other Economic Contributions

Insurance Carriers And Related Activities Employment By State, 2018 (1)
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State Number of employees State Number of employees
Alabama 40,149 Montana 9,103
Alaska 2,614 Nebraska 35,193
Arizona 75,192 Nevada 21,391
Arkansas 23,725 New Hampshire 15,785
California 331,469 New Jersey 105,977
Colorado 59,095 New Mexico 14,016
Connecticut 69,696 New York 199,165
Delaware 7,903 North Carolina 89,745
D.C. 4,392 North Dakota 10,513
Florida 247,334 Ohio 144,086
Georgia 114,362 Oklahoma 32,533
Hawaii 11,316 Oregon 34,199
Idaho 15,139 Pennsylvania 161,564
Illinois 158,436 Rhode Island 11,967
Indiana 66,024 South Carolina 44,725
Iowa 58,599 South Dakota 12,184
Kansas 37,988 Tennessee 69,657
Kentucky 43,828 Texas 305,232
Louisiana 38,617 Utah 29,475
Maine 13,920 Vermont 5,140
Maryland 49,669 Virginia 73,586
Massachusetts 84,333 Washington 57,263
Michigan 83,568 West Virginia 11,719
Minnesota 77,174 Wisconsin 82,083
Mississippi 20,059 Wyoming 3,743
Missouri 71,955 United States 3,386,600
(1) Total full-time and part-time employment. Note: Does not match data shown elsewhere due to the use of different surveys. Data as of September 2019. Source: U.S. Department of Commerce, Bureau of Economic Analysis, Regional Economic Information System.

Companies by State

Domestic Insurance Companies By State, Property/Casualty And Life/Annuity, 2018
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State Property/casualty Life/annuity State Property/casualty Life/annuity
Alabama 19 7 Montana  13 1
Alaska 4 0 Nebraska  36 34
Arizona 40 25 Nevada  11 0
Arkansas 12 24 New Hampshire 48 1
California 99 14 New Jersey 65 3
Colorado 10 10 New Mexico  19 0
Connecticut 64 26 New York  171 82
Delaware 100 25 North Carolina  53 10
D.C. 7 0 North Dakota  11 3
Florida 116 9 Ohio  145 38
Georgia 23 13 Oklahoma  31 24
Hawaii 16 4 Oregon  17 3
Idaho 10 1 Pennsylvania  163 22
Illinois 195 51 Rhode Island  24 2
Indiana 61 26 South Carolina  20 6
Iowa 74 42 South Dakota  15 2
Kansas 25 11 Tennessee  15 10
Kentucky 8 6 Texas  200 123
Louisiana 34 30 Utah  10 17
Maine 12 3 Vermont  12 1
Maryland 29 4 Virginia  19 3
Massachusetts 48 16 Washington  6 6
Michigan 65 21 West Virginia  19 1
Minnesota 39 8 Wisconsin  167 17
Mississippi 15 14 Wyoming  2 0
Missouri 44 28 United States (1) 2,507 841
(1) Excludes territories. Excludes health insurers, risk retention groups, fraternals, title and other insurers. Source: Insurance Department Resources Report, 2019 published by the National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.

Premium Taxes by State

Premium Taxes By State, Property/Casualty, Life/Annuity and Health Insurers, 2019 (1)
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($000)
State Amount State Amount
Alabama  $413,754 Montana $108,445
Alaska 79,833 Nebraska 60,722
Arizona 590,604 Nevada 424,088
Arkansas 241,403 New Hampshire 114,148
California 2,722,787 New Jersey  519,968
Colorado 314,935 New Mexico 209,920
Connecticut 169,524 New York  1,866,069
Delaware 113,411 North Carolina 577,572
D.C. 121,417 North Dakota 68,568
Florida 1,178,214 Ohio 607,111
Georgia 510,850 Oklahoma 336,441
Hawaii 179,690 Oregon 80,618
Idaho 105,731 Pennsylvania 845,210
Ilinois 423,518 Rhode Island 117,152
Indiana 256,432 South Carolina 244,412
Iowa 153,428 South Dakota 90,906
Kansas 405,805 Tennessee 995,376
Kentucky 173,129 Texas 2,599,025
Louisiana 900,921 Utah 155,655
Maine 93,517 Vermont 57,765
Maryland 556,409 Virginia 554,299
Massachusetts 445,445 Washington 640,136
Michigan 435,393 West Virginia 129,111
Minnesota 524,654 Wisconsin 216,754
Mississippi 353,728 Wyoming 26,356
Missouri 445,800 United States $23,556,159
(1) Includes other insurance companies. Data are for each state's fiscal year. Source: U.S. Department of Commerce, Bureau of the Census.

Life/Annuity Financial Data

Premiums by Line

Life/Annuity Insurers Direct Premiums Written And Annuity Considerations By State, 2019 (1)
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($ millions)
State Life insurance Annuities Accident and health insurance (2) Deposit-type contract funds Other considerations Total
Alabama $2,335 $3,205 $1,919 $239 $424 $8,123
Alaska 519 380 290 25 246 1,459
Arizona 2,666 6,660 4,036 368 1,170 14,900
Arkansas 1,087 1,954 1,061 95 245 4,442
California 18,801 27,994 15,646 2,877 10,198 75,516
Colorado 2,897 5,637 4,318 1,192 931 14,975
Connecticut 2,616 6,458 3,146 9,451 1,804 23,474
Delaware 1,462 2,749 798 55,608 668 61,285
D.C. 412 745 1,110 1,041 668 3,976
Florida 10,695 22,449 16,487 1,452 2,651 53,734
Georgia 5,119 6,347 9,161 1,465 2,545 24,637
Hawaii 855 1,551 1,208 102 307 4,023
Idaho 611 1,168 841 91 267 2,977
Illinois 7,895 11,425 6,538 2,749 2,246 30,853
Indiana 2,870 5,934 4,965 3,637 776 18,183
Iowa 2,420 3,106 1,555 8,853 4,493 20,426
Kansas 1,401 2,621 4,077 1,170 296 9,566
Kentucky 1,657 2,891 1,832 367 674 7,421
Louisiana 2,391 3,746 2,414 251 542 9,345
Maine 460 1,244 961 63 170 2,897
Maryland 3,180 5,738 3,988 805 1,159 14,871
Massachusetts 4,158 8,449 3,842 1,573 3,455 21,477
Michigan 4,692 10,674 3,786 1,329 1,311 21,793
Minnesota 4,815 5,388 1,861 753 2,434 15,251
Mississippi 1,297 1,758 1,571 112 158 4,896
Missouri 2,877 6,499 4,849 634 1,040 15,898
Montana 387 510 428 42 160 1,527
Nebraska 1,111 2,090 1,611 940 276 6,027
Nevada 1,210 1,922 1,434 185 482 5,233
New Hampshire 641 2,037 755 91 216 3,740
New Jersey 6,805 13,930 8,463 1,349 3,122 33,669
New Mexico 673 1,146 1,129 433 450 3,832
New York 12,902 19,567 11,439 64,329 6,345 114,582
North Carolina 5,031 8,816 6,710 766 1,355 22,678
North Dakota 447 675 323 83 144 1,672
Ohio 5,232 13,010 7,652 18,599 1,623 46,115
Oklahoma 1,468 2,120 1,776 280 459 6,104
Oregon 1,321 3,006 2,299 227 1,263 8,116
Pennsylvania 6,912 15,711 8,054 6,981 2,638 40,297
Rhode Island 462 1,633 527 81 181 2,884
South Carolina 2,367 4,537 4,442 254 360 11,961
South Dakota 1,062 591 427 317 91 2,488
Tennessee 3,213 4,953 3,819 869 1,165 14,019
Texas 12,622 18,712 18,559 2,421 2,831 55,145
Utah 1,504 2,830 1,414 348 468 6,565
Vermont 263 622 391 57 153 1,486
Virginia 4,390 6,702 5,800 784 1,165 18,841
Washington 2,774 5,593 4,252 364 1,611 14,593
West Virginia 640 1,247 882 119 139 3,026
Wisconsin 3,568 5,902 3,999 708 1,137 15,313
Wyoming 371 391 386 36 70 1,253
United States (3) $167,566 $295,023 $199,225 $196,966 $68,782 $927,562
(1) Direct premiums written before reinsurance transactions, excludes state funds. (2) Excludes accident and health premiums reported on property/casualty and health annual statements. (3) Excludes territories, dividends and other nonstate specific data. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Property/Casualty Financial Data

Premiums by State

Direct Premiums Written, P/C Insurance By State, 2019 (1)
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($000)
State Total, all lines State Total, all lines
Alabama $9,464,522 Montana $2,603,863
Alaska 1,655,434 Nebraska 5,246,317
Arizona 12,412,578 Nevada 6,256,586
Arkansas 5,706,437 New Hampshire 2,594,303
California 85,065,113 New Jersey 22,950,973
Colorado 14,313,384 New Mexico 3,749,310
Connecticut 9,121,825 New York 47,972,124
Delaware 2,906,703 North Carolina 17,429,299
D.C. 2,061,502 North Dakota 2,616,611
Florida 56,603,317 Ohio 17,737,703
Georgia 22,955,335 Oklahoma 8,605,472
Hawaii 2,701,616 Oregon 7,729,747
Idaho 3,231,797 Pennsylvania 26,196,162
Illinois 27,124,319 Rhode Island 2,623,145
Indiana 12,062,056 South Carolina 10,654,885
Iowa 6,798,988 South Dakota 2,555,565
Kansas 6,980,597 Tennessee 12,534,844
Kentucky 8,064,413 Texas 62,219,925
Louisiana 12,446,010 Utah 5,405,116
Maine 2,474,585 Vermont 1,334,464
Maryland 12,795,777 Virginia 15,047,355
Massachusetts 16,414,548 Washington 13,813,314
Michigan 20,874,072 West Virginia 3,165,214
Minnesota 12,462,969 Wisconsin 11,213,719
Mississippi 5,591,836 Wyoming 1,288,005
Missouri 12,677,129 United States (2) $698,510,881
(1) Before reinsurance transactions, includes state funds, excludes territories. (2) Data for the total United States may differ from similar data shown elsewhere due to the use of different exhibits from S&P Global Market Intelligence. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Incurred Losses by State

Incurred Losses By State, Property/Casualty Insurance, 2019 (1)
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($000)
State Incurred losses State Incurred losses
Alabama $5,021,062 Montana $2,123,593
Alaska 748,428 Nebraska 3,632,370
Arizona 6,937,130 Nevada 3,832,778
Arkansas 3,547,203 New Hampshire 1,209,413
California 44,488,554 New Jersey 13,470,081
Colorado 8,800,495 New Mexico 2,205,237
Connecticut 4,967,377 New York 28,392,877
Delaware 1,575,961 North Carolina 9,827,941
D.C. 750,576 North Dakota 1,850,490
Florida 36,870,506 Ohio 10,673,940
Georgia 14,298,049 Oklahoma 4,614,956
Hawaii 1,251,898 Oregon 4,356,292
Idaho 1,771,513 Pennsylvania 15,874,888
Illinois 16,998,439 Rhode Island 1,363,715
Indiana 6,780,466 South Carolina 5,928,911
Iowa 3,644,935 South Dakota 2,227,477
Kansas 4,012,555 Tennessee 6,317,565
Kentucky 4,661,744 Texas 39,462,827
Louisiana 6,888,509 Utah 3,026,937
Maine 1,217,021 Vermont 663,772
Maryland 7,567,341 Virginia 8,071,714
Massachusetts 8,060,079 Washington 7,737,237
Michigan 11,644,625 West Virginia 1,699,944
Minnesota 8,438,256 Wisconsin 6,328,775
Mississippi 3,120,632 Wyoming 919,249
Missouri 7,615,718 United States $407,492,050
(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.

Guaranty Funds

Property/Casualty Guaranty Fund Net Assessments By State, 2019
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State Net assessments (1) State Net assessments (1)
Alabama $7,225,984 Nebraska 0
Alaska 1,194,685 Nevada 0
Arizona 0 New Hampshire ($12,000,000)
Arkansas 0 New Jersey 126,711,272
California 0 New Mexico 6,227,820
Colorado 0 New York NA
Connecticut (11,868,282) North Carolina 0
Delaware 373,500 North Dakota 0
D.C. 0 Ohio 0
Florida 50,000,000 Oklahoma 0
Georgia 0 Oregon 0
Hawaii 44,411,404 Pennsylvania 0
Idaho 0 Puerto Rico 11,000,000
Illinois 5,000,000 Rhode Island 1,051,307
Indiana 0 South Carolina 0
Iowa 0 South Dakota 829,583
Kansas 0 Tennessee 0
Kentucky 745,000 Texas 0
Louisiana 0 Utah 0
Maine 0 Vermont 0
Maryland 0 Virginia 0
Massachusetts (20,000,000) Washington 447,260
Michigan 0 West Virginia 0
Minnesota 0 Wisconsin 0
Mississippi 0 Wyoming 0
Missouri 0 United States $211,349,533
Montana 0    
(1) Assessments less refunds. Negative numbers represent net refunds. NA=Data not available. Source: National Conference of Insurance Guaranty Funds.

Property/Casualty Insurance By Line

Premiums

Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2019 (1)
View Full Table
($000)
Private passenger auto Commercial auto Homeowners multiple peril Farmowners multiple peril Commercial multiple peril
State Liability Coll./Comp. Liability Coll./Comp.
Alabama $2,048,850 $1,643,285 $461,234 $163,580 $1,827,367 $80,660 $628,536
Alaska 290,982 217,487 59,799 17,535 170,781 724 108,319
Arizona 3,391,304 2,162,552 569,365 150,272 1,795,395 17,496 681,876
Arkansas 1,125,516 981,344 297,818 135,174 977,094 53,723 353,330
California 17,960,468 13,161,683 4,266,869 1,045,899 9,128,100 215,936 5,248,209
Colorado 3,146,970 2,174,938 555,744 213,116 2,720,363 93,957 899,807
Connecticut 2,007,742 1,139,216 386,006 101,323 1,565,336 7,353 681,116
Delaware 643,968 292,814 123,468 28,110 299,714 7,794 348,408
D.C. 214,924 164,762 61,698 9,583 171,638 - 173,026
Florida 14,559,970 6,108,304 3,058,528 504,107 10,080,578 23,428 2,092,259
Georgia 6,454,183 3,467,824 1,283,631 347,832 3,576,136 133,045 1,125,855
Hawaii 450,984 349,163 102,823 28,578 415,699 0 190,428
Idaho 623,430 484,551 141,620 77,087 424,996 69,118 234,167
Illinois 4,312,455 3,486,047 1,508,814 461,729 3,911,977 195,945 1,824,788
Indiana 2,280,693 1,738,060 593,768 249,592 2,070,585 198,823 891,934
Iowa 911,865 964,407 270,013 194,882 851,528 228,552 425,196
Kansas 1,029,419 974,478 235,791 154,584 1,257,180 253,436 406,047
Kentucky 2,091,646 1,147,298 377,596 131,540 1,252,972 166,326 553,898
Louisiana 3,168,648 1,718,448 696,944 131,231 1,949,039 15,628 512,014
Maine 408,478 377,105 112,170 54,297 450,504 5,810 261,638
Maryland 3,200,082 2,154,944 562,354 163,594 1,962,764 30,698 696,597
Massachusetts 3,093,015 2,477,152 767,961 267,295 2,570,374 3,992 1,315,150
Michigan 6,366,246 3,565,296 827,946 306,654 2,919,756 146,947 1,172,932
Minnesota 2,157,405 1,754,277 453,172 236,429 2,314,333 159,978 764,087
Mississippi 1,097,288 909,781 322,145 110,643 1,024,524 28,714 336,700
Missouri 2,361,843 1,903,805 530,912 246,620 2,237,167 192,602 853,239
Montana 397,723 400,526 118,524 77,446 374,911 81,667 195,566
Nebraska 712,457 635,534 182,558 139,482 829,246 248,903 301,548
Nevada 2,024,599 834,748 427,883 64,315 663,329 8,147 364,166
New Hampshire 458,657 453,795 111,672 44,576 437,373 3,220 261,793
New Jersey 5,544,754 2,593,304 1,467,749 262,382 2,869,233 3,214 1,591,958
New Mexico 953,415 596,769 195,156 64,611 579,481 26,807 239,184
New York 9,067,247 5,162,880 2,426,993 415,344 5,629,375 47,712 4,241,547
North Carolina 3,373,372 3,215,673 842,954 278,144 2,887,386 64,603 1,028,836
North Dakota 220,100 290,670 105,125 80,326 229,667 132,591 135,821
Ohio 3,899,483 3,136,913 881,389 346,272 3,052,963 180,033 1,356,040
Oklahoma 1,516,170 1,298,102 399,737 188,071 1,761,317 169,392 584,084
Oregon 2,111,192 1,021,762 366,666 118,500 919,570 72,643 549,209
Pennsylvania 5,048,101 4,175,011 1,289,976 518,067 3,520,057 111,083 1,906,007
Rhode Island 637,542 343,175 102,041 29,259 440,212 439 176,139
South Carolina 2,869,343 1,656,757 433,740 133,802 1,851,056 16,694 535,156
South Dakota 260,043 335,692 81,243 68,079 278,660 131,685 143,761
Tennessee 2,447,191 2,015,848 547,610 281,547 2,197,924 158,826 800,485
Texas 12,953,302 10,289,932 3,580,760 1,057,354 10,163,809 367,319 3,067,741
Utah 1,409,045 829,983 272,037 100,617 611,549 16,821 309,535
Vermont 186,550 208,911 49,861 28,590 212,610 15,600 145,376
Virginia 3,342,881 2,551,398 655,113 214,865 2,477,917 78,521 863,054
Washington 3,747,958 2,008,431 649,692 205,313 1,962,573 78,001 938,490
West Virginia 697,354 588,463 151,055 59,028 462,844 17,030 216,096
Wisconsin 1,812,293 1,525,774 458,447 221,550 1,544,682 194,328 754,968
Wyoming 186,904 241,263 65,515 47,770 221,978 32,762 106,764
United States $151,276,047 $101,930,336 $34,491,691 $10,576,592 $104,105,619 $4,588,721 $43,592,879
(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2019 (1) (Cont’d)
View Full Table
($000)
State Workers compensation Excess workers compensation Medical professional liability Product liability Other liability Fire Allied lines
Alabama $361,666 $23,501 $130,454 $35,401 $709,897 $207,973 $220,246
Alaska 225,834 3,165 24,089 5,414 152,062 64,210 31,679
Arizona 849,588 13,986 210,933 59,079 1,030,841 150,751 154,148
Arkansas 239,079 6,146 64,399 18,130 455,478 162,623 134,678
California 11,437,892 204,194 812,817 605,601 9,809,326 1,486,018 980,843
Colorado 1,053,233 15,722 151,244 91,615 1,358,587 196,497 238,325
Connecticut 737,331 21,714 205,278 53,849 1,091,436 142,534 140,167
Delaware 210,437 1,627 30,183 10,448 415,047 30,405 40,454
D.C. 192,042 2,868 25,689 6,804 431,684 39,021 35,658
Florida 3,115,238 62,956 647,865 244,002 6,456,443 1,316,039 2,670,778
Georgia 1,681,121 35,993 285,068 96,480 1,866,509 386,749 335,823
Hawaii 282,963 7,032 30,096 10,763 321,220 88,025 111,246
Idaho 436,849 1,728 34,036 16,246 245,390 45,015 35,703
Illinois 2,383,918 55,866 453,463 166,786 4,261,597 406,451 358,149
Indiana 799,356 13,590 127,727 88,233 1,028,959 266,270 185,763
Iowa 643,879 9,645 67,944 39,875 624,015 125,936 145,505
Kansas 389,841 9,010 70,063 35,236 479,863 113,087 170,358
Kentucky 560,341 13,370 107,955 29,188 523,452 132,106 119,135
Louisiana 828,581 53,929 102,003 47,248 986,022 373,424 460,712
Maine 231,424 4,134 52,042 8,716 186,352 45,478 41,396
Maryland 931,692 13,536 300,788 55,004 1,227,609 171,057 160,528
Massachusetts 1,278,260 20,220 339,693 127,983 2,142,212 312,703 274,509
Michigan 1,043,564 30,536 197,085 102,795 1,443,135 326,120 196,115
Minnesota 961,783 1,217 83,204 91,738 1,237,028 218,292 324,559
Mississippi 345,370 9,053 45,160 20,062 352,233 134,811 144,669
Missouri 910,547 34,813 155,161 60,905 1,172,734 217,711 216,005
Montana 269,331 5,771 35,640 11,196 189,370 36,206 41,959
Nebraska 363,469 5,752 34,155 21,522 384,803 75,948 99,676
Nevada 425,385 20,583 74,557 76,883 509,506 93,256 85,009
New Hampshire 216,894 5,416 48,726 11,976 231,344 37,736 33,192
New Jersey 2,436,669 34,720 419,455 193,646 2,745,377 391,644 352,036
New Mexico 291,634 6,234 59,328 11,835 268,109 52,439 49,739
New York 3,624,641 59,069 1,585,033 360,336 9,137,784 878,446 699,213
North Carolina 1,396,161 25,510 198,948 94,618 1,446,224 298,245 380,436
North Dakota 4,606 43 11,782 13,437 181,776 40,502 48,984
Ohio 21,458 77,956 236,397 117,309 1,760,126 401,503 285,138
Oklahoma 651,366 11,560 97,720 40,923 655,879 188,001 225,272
Oregon 684,154 8,853 91,186 52,074 649,931 119,444 85,069
Pennsylvania 2,620,627 43,066 719,828 159,835 2,991,507 460,292 345,434
Rhode Island 229,321 1,883 31,588 12,063 261,602 41,354 49,065
South Carolina 806,841 11,005 79,955 55,474 645,203 254,259 218,856
South Dakota 167,172 1,544 15,711 11,093 142,194 37,483 41,332
Tennessee 767,689 18,045 234,885 63,641 1,160,357 284,947 242,852
Texas 2,525,436 33,412 343,135 370,664 6,073,697 1,892,035 2,045,184
Utah 445,478 4,386 56,582 39,338 516,299 91,728 54,265
Vermont 185,438 2,153 17,034 6,387 106,453 32,092 16,603
Virginia 1,088,830 26,291 186,858 54,938 1,524,506 235,954 231,471
Washington 21,396 30,481 191,108 82,988 1,358,412 243,946 162,321
West Virginia 269,008 5,034 96,095 11,999 248,795 65,810 41,347
Wisconsin 1,931,595 10,343 75,186 89,588 1,073,168 196,464 178,072
Wyoming 4,864 297 18,905 5,904 116,793 25,120 25,418
United States $53,581,288 $1,118,957 $9,714,236 $4,097,267 $74,388,346 $13,634,161 $13,965,094
(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2019 (1) (Cont’d)
View Full Table
($000)
State Inland marine Ocean marine Surety Fidelity Burglary and theft Boiler and machinery Financial guaranty
Alabama $365,829 $42,501 $80,638 $13,720 $4,812 $37,817 $1,795
Alaska 89,333 38,270 29,127 2,477 900 10,174 203
Arizona 431,886 21,647 128,388 14,070 4,957 26,078 600
Arkansas 242,280 18,388 41,149 9,292 3,029 18,287 795
California 3,448,527 359,168 900,744 138,448 48,087 141,406 26,503
Colorado 497,293 21,745 147,579 24,755 8,021 24,067 37,288
Connecticut 364,761 62,213 69,530 24,829 6,141 18,400 2,455
Delaware 92,106 10,036 22,144 4,742 1,533 4,569 11,429
D.C. 138,536 4,725 152,852 15,458 4,152 6,152 2,037
Florida 1,633,270 418,876 436,752 64,445 26,264 69,277 4,305
Georgia 760,911 73,722 166,504 32,962 12,087 48,046 968
Hawaii 119,277 19,101 48,218 4,195 1,215 5,498 3,908
Idaho 115,098 10,635 24,517 3,279 1,213 8,397 0
Illinois 960,524 130,008 239,067 68,097 23,431 73,807 3,805
Indiana 414,411 27,731 96,833 18,286 7,209 47,489 1,582
Iowa 235,159 9,466 51,461 14,656 4,403 24,629 3,627
Kansas 218,355 9,155 46,657 11,262 3,394 19,700 1,024
Kentucky 296,704 31,318 81,423 9,733 3,619 29,712 1,650
Louisiana 459,192 146,120 119,609 13,435 6,873 40,049 3,467
Maine 90,278 30,537 22,022 4,497 1,333 8,594 234
Maryland 419,685 110,266 165,197 25,469 7,752 27,048 2,019
Massachusetts 591,207 103,961 161,948 47,361 10,653 38,313 3,523
Michigan 623,112 88,159 102,211 34,120 11,791 63,734 845
Minnesota 424,095 29,722 92,197 25,961 8,035 39,146 1,736
Mississippi 236,559 19,982 45,259 7,554 2,542 15,175 1,211
Missouri 431,827 37,282 102,921 23,672 8,277 30,765 7,378
Montana 88,163 4,065 36,534 3,110 1,326 5,530 7
Nebraska 179,083 5,314 43,257 8,653 2,239 13,918 216
Nevada 217,540 8,091 90,818 7,365 3,006 12,944 1,660
New Hampshire 102,429 13,907 16,760 5,046 1,226 6,499 0
New Jersey 806,781 167,562 193,135 42,647 12,725 48,086 1,784
New Mexico 124,076 2,694 54,290 4,099 1,069 8,414 347
New York 1,801,368 417,732 467,607 157,588 41,751 135,355 134,021
North Carolina 743,420 73,590 194,377 40,362 10,329 44,078 6,217
North Dakota 86,057 1,853 18,631 3,275 798 12,685 541
Ohio 713,269 59,594 154,935 39,672 19,330 70,264 4,492
Oklahoma 289,210 18,791 65,945 11,699 3,326 22,829 29
Oregon 315,019 33,619 85,431 11,014 4,213 18,806 34
Pennsylvania 892,865 76,959 248,850 51,752 17,678 74,279 11,027
Rhode Island 96,117 41,597 29,016 4,719 1,442 5,225 645
South Carolina 404,734 43,582 86,855 10,627 4,183 25,934 535
South Dakota 73,292 1,675 18,203 3,413 880 7,455 40
Tennessee 509,324 70,427 112,219 18,732 7,776 40,388 514
Texas 2,540,192 292,104 742,523 83,083 48,247 139,243 16,594
Utah 210,164 14,224 60,884 8,121 2,958 10,661 801
Vermont 49,736 3,871 8,643 2,250 646 5,259 0
Virginia 573,038 85,904 185,209 36,513 11,110 33,432 498
Washington 732,367 146,977 201,899 20,662 7,172 33,245 2,092
West Virginia 88,808 3,511 49,160 3,932 1,197 7,229 0
Wisconsin 355,696 40,163 60,155 23,283 7,501 44,118 849
Wyoming 54,186 1,463 57,011 1,523 458 7,836 0
United States $25,747,151 $3,504,002 $6,857,295 $1,259,917 $434,307 $1,710,041 $307,330
(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2019 (1) (Cont'd)
View Full Table
($000)
State Aircraft Earthquake Federal flood Credit Warranty Accident and health
Alabama $19,389 $10,014 $28,360 $39,488 $11,464 $105,092
Alaska 44,419 30,264 1,509 1,924 735 13,428
Arizona 54,745 12,342 16,036 19,228 29,460 116,559
Arkansas 25,650 35,813 10,279 14,958 7,880 62,777
California 170,956 1,251,925 144,675 142,819 202,135 605,726
Colorado 58,029 13,839 14,581 27,162 24,857 124,438
Connecticut 32,851 8,207 45,291 31,321 9,824 70,892
Delaware 14,508 1,297 15,633 9,911 23,695 177,585
D.C. 2,516 4,143 1,406 14,225 192 149,724
Florida 135,674 26,340 859,228 132,625 675,638 309,186
Georgia 60,878 18,427 42,174 50,795 50,097 164,740
Hawaii 10,307 13,296 36,942 7,685 3,803 11,457
Idaho 15,287 4,437 3,476 3,275 5,313 21,152
Illinois 71,260 76,216 27,765 79,477 205,125 342,213
Indiana 25,096 40,857 16,149 31,764 40,653 252,903
Iowa 12,990 5,212 10,927 12,224 7,371 83,871
Kansas 22,292 8,029 6,629 14,488 197,308 69,628
Kentucky 9,441 53,831 13,039 42,007 10,637 61,415
Louisiana 41,296 5,572 253,593 38,724 6,497 73,989
Maine 4,827 1,884 8,160 9,513 4,407 16,701
Maryland 25,012 14,121 32,140 29,244 23,033 82,228
Massachusetts 19,297 31,103 66,539 41,208 18,985 103,688
Michigan 32,354 8,618 16,751 63,883 595,657 183,725
Minnesota 34,629 6,293 7,436 19,508 23,858 84,123
Mississippi 14,132 16,687 36,294 25,223 5,226 89,637
Missouri 25,483 101,823 16,912 32,288 53,565 174,796
Montana 12,459 6,922 2,840 1,734 1,088 30,659
Nebraska 14,895 2,267 6,894 5,567 6,603 112,203
Nevada 31,382 26,931 6,510 6,613 7,359 38,955
New Hampshire 8,767 3,262 7,613 11,130 7,132 15,369
New Jersey 20,841 23,199 177,340 87,570 29,832 193,158
New Mexico 7,844 3,507 8,331 8,695 5,261 21,341
New York 62,858 61,995 177,013 213,387 68,892 514,574
North Carolina 36,957 13,738 85,710 42,498 46,616 142,838
North Dakota 9,706 1,046 5,733 1,440 696 14,871
Ohio 63,103 36,051 25,610 58,748 55,116 182,559
Oklahoma 22,346 18,976 8,353 21,315 15,111 71,632
Oregon 31,589 106,635 17,031 10,525 4,474 62,693
Pennsylvania 36,192 19,807 53,803 71,810 81,318 355,337
Rhode Island 12,229 2,356 16,004 7,354 2,581 25,405
South Carolina 15,539 49,122 119,433 23,104 11,075 83,797
South Dakota 8,198 491 2,749 5,613 1,943 16,843
Tennessee 34,225 87,637 20,864 39,171 13,690 147,708
Texas 224,228 42,189 371,207 273,983 445,835 591,709
Utah 25,076 60,615 2,194 13,689 38,509 77,742
Vermont 1,624 1,197 4,634 2,755 8,818 14,559
Virginia 50,062 24,955 62,490 23,353 19,485 149,718
Washington 48,281 239,773 24,854 33,311 72,058 97,358
West Virginia 2,873 1,321 12,525 8,946 4,589 28,019
Wisconsin 21,977 5,189 10,557 22,881 30,932 146,178
Wyoming 5,118 4,215 1,335 1,019 743 20,925
United States $1,791,688 $2,643,986 $2,963,552 $1,931,181 $3,217,171 $6,707,820
(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2019 (1) (Cont'd)
View Full Table
($000)
State Multiple peril crop Private crop Mortgage guaranty Miscellaneous Private flood
Alabama $65,646 $1,022 $61,106 $27,003 $6,175
Alaska 101 0 18,302 1,456 734
Arizona 84,730 3,268 180,980 21,075 8,944
Arkansas 137,851 23,214 35,517 11,586 3,161
California 456,465 13,105 489,017 102,285 59,230
Colorado 168,717 18,548 138,317 45,776 8,256
Connecticut 7,952 0 74,129 5,813 6,815
Delaware 9,681 98 21,872 1,445 1,542
D.C. 0 12 24,549 9,982 1,441
Florida 137,046 720 403,016 241,810 88,352
Georgia 144,304 3,874 190,898 46,343 11,357
Hawaii 1,568 0 18,398 2,359 5,371
Idaho 83,864 13,447 44,013 2,715 1,741
Illinois 639,492 108,606 244,625 28,329 14,487
Indiana 342,096 30,372 115,498 13,502 6,273
Iowa 629,637 127,149 51,225 8,589 3,149
Kansas 654,115 61,872 47,246 7,327 3,722
Kentucky 148,780 8,578 42,761 5,871 7,070
Louisiana 82,906 4,651 64,105 27,394 14,665
Maine 10,745 0 18,578 1,221 1,511
Maryland 29,179 106 145,320 20,995 5,707
Massachusetts 4,307 0 126,977 43,429 11,529
Michigan 169,226 7,838 176,874 42,476 7,573
Minnesota 587,430 113,901 162,085 40,725 4,558
Mississippi 134,664 3,459 26,696 26,452 3,930
Missouri 388,768 26,938 93,554 21,033 5,781
Montana 151,040 739 18,328 2,657 829
Nebraska 525,790 239,894 34,501 7,591 2,380
Nevada 37,266 24 80,727 3,379 3,652
New Hampshire 391 0 32,563 4,379 1,457
New Jersey 4,870 40 165,983 42,080 27,177
New Mexico 58,131 2,899 31,803 9,063 2,706
New York 58,916 194 181,676 99,380 42,086
North Carolina 185,947 6,226 183,112 32,003 10,171
North Dakota 848,486 98,227 15,090 1,352 695
Ohio 240,033 18,183 179,138 54,112 10,513
Oklahoma 165,659 12,737 50,714 15,165 4,042
Oregon 64,290 2,989 85,220 19,858 6,053
Pennsylvania 52,775 574 190,985 36,008 15,252
Rhode Island 194 0 18,088 2,673 1,818
South Carolina 90,133 381 91,647 11,382 14,681
South Dakota 638,591 44,039 13,757 2,134 558
Tennessee 86,806 3,250 95,880 16,684 7,702
Texas 928,675 64,444 477,713 123,813 49,027
Utah 18,643 80 83,488 17,531 2,072
Vermont 3,041 2 12,409 780 586
Virginia 61,298 2,133 161,701 23,676 10,152
Washington 197,264 20,583 187,330 58,248 8,729
West Virginia 2,942 12 14,516 3,943 1,733
Wisconsin 229,241 15,533 115,420 13,049 4,538
Wyoming 16,790 1,822 11,621 763 921
United States $9,786,481 $1,105,780 $5,549,065 $1,408,694 $522,605
(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Auto

Costs/Expenditures

Average Expenditures For Auto Insurance By State, 2013-2017
View Full Table
 
  2017 2016   Average expenditure
State Liability Collision Compre- hensive Average expenditure Rank (1) Average expenditure Rank (1) Average expenditure percent change, 2016-2017 2015 2014 2013
Alabama  $478.68 $366.12 $169.90 $856.67 31 $791.40 37 8.2% $739.93 $709.48 $685.91
Alaska  561.06 370.63 140.50 930.20 23 911.37 17 2.1 915.59 924.80 923.07
Arizona  607.66 312.95 204.93 994.42 17 926.76 21 7.3 877.11 857.76 828.76
Arkansas  458.33 364.07 216.70 848.24 32 781.00 36 8.6 742.44 736.57 715.32
California  565.70 453.88 96.15 957.08 21 892.64 22 7.2 840.65 807.58 782.57
Colorado  639.99 326.39 228.32 1,050.19 15 945.59 18 11.1 869.84 824.06 779.12
Connecticut  743.61 398.50 133.91 1,168.33 9 1,108.65 10 5.4 1,074.95 1,054.22 1,031.10
Delaware  843.98 344.34 133.19 1,221.29 8 1,173.92 8 4.0 1,146.44 1,125.65 1,104.46
D.C. 744.18 497.81 224.28 1,334.11 6 1,258.45 5 6.0 1,206.00 1,187.97 1,175.03
Florida  964.28 343.41 137.88 1,356.90 3 1,268.19 6 7.0 1,190.50 1,139.30 1,142.47
Georgia  735.15 381.66 169.68 1,127.22 13 1006.30 14 12.0 929.72 869.19 821.71
Hawaii 468.99 342.17 106.97 803.45 37 780.44 31 2.9 761.05 751.11 741.37
Idaho  403.37 246.22 130.86 678.57 48 633.41 51 7.1 599.02 582.08 560.86
Illinois  507.40 336.00 133.32 897.07 25 852.80 26 5.2 811.40 781.48 749.10
Indiana  432.08 277.65 130.71 744.39 43 705.53 43 5.5 671.16 645.17 624.04
Iowa  339.12 244.39 211.60 674.33 49 635.99 50 6.0 608.94 587.75 574.32
Kansas  399.96 280.48 267.10 766.50 41 719.74 39 6.5 708.98 692.03 662.80
Kentucky  585.99 300.45 157.38 896.33 26 840.07 27 6.7 801.75 780.83 770.87
Louisiana  936.94 468.87 231.76 1,443.72 1 1,328.81 3 8.6 1,254.37 1,209.60 1,161.25
Maine  370.18 286.22 108.54 667.38 50 646.63 48 3.2 619.02 596.58 584.38
Maryland 700.58 393.57 162.34 1,149.42 10 1,081.72 11 6.3 1,020.65 998.56 976.31
Massachusetts  642.92 427.17 145.10 1,136.60 12 1,096.53 9 3.7 1,058.50 1,035.52 1,007.98
Michigan 873.73 462.80 157.50 1,358.62 2 1,304.10 4 4.2 1,268.10 1,230.25 1,132.66
Minnesota  483.93 257.41 197.67 840.12 33 809.57 28 3.8 791.72 771.62 743.00
Mississippi 511.45 365.06 229.41 930.45 22 879.13 24 5.8 840.48 806.99 777.48
Missouri  492.63 305.96 204.08 869.14 30 807.52 34 7.6 758.32 729.47 707.19
Montana  423.03 278.31 267.84 784.72 38 731.14 40 7.3 704.70 702.20 683.81
Nebraska  417.32 263.68 253.30 766.89 40 722.68 41 6.1 693.87 664.89 644.10
Nevada  798.52 344.81 115.46 1,141.02 11 1062.44 12 7.4 1,012.69 984.21 949.27
New Hampshire  425.84 319.72 115.63 824.03 34 801.96 30 2.8 775.17 749.81 732.35
New Jersey  932.43 403.19 129.12 1,350.28 4 1,306.73 1 3.3 1,274.30 1,267.08 1,256.69
New Mexico  548.33 304.46 197.95 870.23 29 819.68 32 6.2 794.54 779.23 747.23
New York  869.13 437.13 179.31 1,349.72 5 1,303.25 2 3.6 1,247.76 1,207.86 1,179.63
North Carolina  371.51 333.60 133.49 705.56 46 667.65 46 5.7 639.01 643.84 624.76
North Dakota  303.66 263.72 241.51 659.94 51 639.13 47 3.3 637.24 628.58 604.97
Ohio  438.68 297.50 128.46 777.80 39 743.13 38 4.7 714.47 691.35 662.20
Oklahoma  502.71 343.57 254.61 895.36 27 854.78 25 4.7 826.43 806.68 767.73
Oregon  677.07 265.06 101.80 961.21 20 889.04 23 8.1 831.80 818.02 783.84
Pennsylvania  539.44 363.42 162.59 961.40 19 915.94 16 5.0 880.90 857.45 840.44
Rhode Island  869.96 460.49 136.58 1,300.60 7 1,230.85 7 5.7 1,170.98 1,122.38 1,077.85
South Carolina  645.39 302.52 197.24 1,020.35 16 930.77 20 9.6 870.56 827.30 795.05
South Dakota  327.34 236.35 308.71 693.42 47 652.30 49 6.3 624.52 598.92 578.19
Tennessee  456.05 343.10 158.13 820.63 35 778.80 35 5.4 753.73 737.33 714.89
Texas  631.22 430.54 234.17 1,096.82 14 1,008.91 13 8.7 934.22 905.64 864.24
Utah  568.07 293.62 122.44 889.67 28 829.41 29 7.3 792.19 765.91 733.43
Vermont  375.02 324.51 142.83 762.59 42 732.97 42 4.0 700.46 673.89 663.09
Virginia  468.79 305.61 146.00 819.77 36 785.60 33 4.3 756.47 740.78 717.73
Washington  666.72 297.16 113.77 994.03 18 935.36 15 6.3 890.17 871.31 840.45
West Virginia  513.12 345.68 213.34 913.39 24 897.92 19 1.7 883.34 874.83 863.02
Wisconsin  412.46 243.52 148.83 731.20 45 701.47 44 4.2 670.98 648.54 623.17
Wyoming  354.35 290.18 291.22 742.20 44 714.17 45 3.9 692.05 676.91 647.66
United States $611.12 $363.08 $159.72 $1,004.58   $944.36   6.4% $896.75 $868.81 $841.06
(1) Ranked highest to lowest by average expenditure. 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: © 2020 National Association of Insurance Commissioners (NAIC).

High-Risk Markets

Estimated Percentage Of Uninsured Motorists By State, 2015 (1)
View Full Table
State Uninsured Rank (2) State Uninsured Rank (2)
Alabama 18.4% 6 Montana 9.9% 33
Alaska 15.4 11 Nebraska 6.8 46
Arizona 12.0 24 Nevada 10.6 29
Arkansas 16.6 9 New Hampshire 9.9 35
California 15.2 12 New Jersey 14.9 14
Colorado 13.3 19 New Mexico 20.8 3
Connecticut 9.4 36 New York 6.1 50
Delaware 11.4 28 North Carolina 6.5 48
D.C. 15.6 10 North Dakota 6.8 45
Florida (3) 26.7 1 Ohio 12.4 22
Georgia 12.0 25 Oklahoma 10.5 31
Hawaii 10.6 30 Oregon 12.7 21
Idaho 8.2 40 Pennsylvania 7.6 43
Illinois 13.7 18 Rhode Island 15.2 13
Indiana 16.7 8 South Carolina 9.4 37
Iowa 8.7 38 South Dakota 7.7 42
Kansas 7.2 44 Tennessee 20.0 5
Kentucky 11.5 26 Texas 14.1 16
Louisiana 13.0 20 Utah 8.2 39
Maine 4.5 51 Vermont 6.8 47
Maryland 12.4 23 Virginia 9.9 34
Massachusetts 6.2 49 Washington 17.4 7
Michigan 20.3 4 West Virginia 10.1 32
Minnesota 11.5 27 Wisconsin 14.3 15
Mississippi 23.7 2 Wyoming 7.8 41
Missouri 14.0 17      
(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claim frequencies. (2) Rank calculated from unrounded data. (3) In Florida, compulsory auto laws apply to personal injury protection (PIP) and physical damage, but not to third-party bodily injury coverage. Source: Insurance Research Council.

Laws

Automobile Financial Responsibility Limits By State
View Full Table
(As of September 2019)
State Insurance required Minimum liability limits (1)
Alabama BI & PD liability 25/50/25
Alaska BI & PD liability 50/100/25
Arizona BI & PD liability 25/50/15 (2)
Arkansas BI & PD liability, PIP 25/50/25
California  BI & PD liability 15/30/5 (3)
Colorado BI & PD liability 25/50/15
Connecticut BI & PD liability, UM, UIM 25/50/25
Delaware BI & PD liability, PIP 25/50/10
D.C. BI & PD liability, UM 25/50/10
Florida PD liability, PIP 10/20/10 (4)
Georgia BI & PD liability 25/50/25
Hawaii BI & PD liability, PIP 20/40/10
Idaho BI & PD liability 25/50/15
Illinois BI & PD liability, UM, UIM 25/50/20
Indiana BI & PD liability 25/50/25
Iowa BI & PD liability 20/40/15
Kansas BI & PD liability, PIP 25/50/25
Kentucky BI & PD liability, PIP, UM, UIM 25/50/25 (4)
Louisiana BI & PD liability 15/30/25
Maine BI & PD liability, UM, UIM, Medpay 50/100/25 (5)
Maryland BI & PD Liability, PIP, UM, UIM 30/60/15
Massachusetts BI & PD liability, PIP 20/40/5
Michigan BI & PD liability, PIP 20/40/10
Minnesota BI & PD liability, PIP, UM, UIM 30/60/10
Mississippi BI & PD liability 25/50/25
Missouri BI & PD liability, UM 25/50/25
Montana BI & PD liability 25/50/20
Nebraska BI & PD liability, UM, UIM 25/50/25
Nevada BI & PD liability 25/50/20
New Hampshire FR only 25/50/25
New Jersey BI & PD liability, PIP, UM, UIM 15/30/5 (6)
New Mexico BI & PD liability 25/50/10
New York BI & PD liability, PIP, UM, UIM 25/50/10 (7)
North Carolina BI & PD liability, UM, UIM 30/60/25
North Dakota BI & PD liability, PIP, UM, UIM 25/50/25
Ohio BI & PD liability 25/50/25
Oklahoma BI & PD liability 25/50/25
Oregon BI & PD liability, PIP, UM, UIM  25/50/20
Pennsylvania BI & PD liability, PIP 15/30/5
Rhode Island BI & PD liability 25/50/25
South Carolina BI & PD liability, UM 25/50/25
South Dakota BI & PD liability, UM, UIM 25/50/25
Tennessee BI & PD liability 25/50/15 (4)
Texas BI & PD liability, PIP 30/60/25
Utah BI & PD liability, PIP 25/65/15 (4)
Vermont BI & PD liability, UM, UIM 25/50/10
Virginia BI & PD liability (8), UM, UIM 25/50/20
Washington BI & PD liability 25/50/10
West Virginia BI & PD liability, UM, UIM 25/50/25
Wisconsin BI & PD liability, UM, Medpay 25/50/10
Wyoming BI & PD liability 25/50/20
(1) The first two numbers refer to bodily injury (BI) liability limits and the third number to property damage (PD) liability. For example, 20/40/10 means coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 for one individual, and $10,000 coverage for property damage. (2) Effective July 1, 2020. (3) Low-cost policy limits for low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3. (4) Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy. Amounts vary by state. (5) In addition, policyholders must carry coverage for medical payments. (6) Basic policy (optional) limits are 10/10/5. Uninsured and underinsured motorist coverage not available under the basic policy but uninsured and underinsured motorist coverage is required under the standard policy. Special Automobile Insurance Policy available for certain drivers which only covers emergency treatment and a $10,000 death benefit. (7) In addition, policyholders must have 50/100 for wrongful death coverage. (8) Compulsory to buy insurance or pay an uninsured motorists vehicle (UMV) fee to the state department of motor vehicles. Note: State laws regarding mandatory requirements for uninsured and underinsured motorists vary. State departments of insurance should be consulted to determine whether these coverages are compulsory. Source: American Property Casualty Insurers Association; state departments of insurance.

Homeowners

High-Risk Markets

Insurance Provided By FAIR Plans By State, Fiscal Year 2019 (1)
View Full Table
 
  Number of policies    
State Habitational Commercial Total Exposure (2) ($000) Direct premiums written ($000)
California 161,395 7,374 168,769 $76,960,000 $168,769
Connecticut  1,658 53 1,711 307,677 2,292
Delaware 1,330 49 1,379 235,868 517
D.C. 162 16 178 61,290 181
Florida (3) 463,757 5,642 469,399 111,248,584 616,075
Georgia 13,726 450 14,176 2,133,164 18,071
Illinois 3,850 50 3,900 258,300 3,857
Indiana 1,112 24 1,136 116,200 1197
Iowa 1,194 17 1,211 70,554 782
Kansas 14,659 179 14,838 913,569 8,132
Kentucky 7,821 340 8,161 398,265 4,330
Louisiana (3) 41,408 1659 43,067 6,743,563 61552
Maryland 1,123 50 1,173 332,802 796
Massachusetts 221,545 217 221,762 87,301,787 305,410
Michigan 17,283 258 17,541 2,327,253 11,931
Minnesota 4,803 50 4,853 373,198 3,367
Mississippi (4) 4,601 0 4,601 253,822 2,851
Missouri 2,335 67 2,402 162,455 1,659
New Jersey 10,658 273 10,931 1,524,493 6,950
New Mexico 10,498 253 10,751 79,738 5,207
New York 31,082 2,042 33,124 8,934,000 29,362
North Carolina 184,975 4549 189,524 21,684,257 102,272
Ohio 15,680 318 15,998 4,039,000 13790
Oregon 1,787 51 1,838 243,057 996
Pennsylvania 12,543 1019 13,562 1,316,010 5,531
Rhode Island 16,889 105 16,994 4,276,238 23,002
Texas (4) 89,913 0 89,913 13,441,524 85,327
Virginia 27,533 536 28,069 3,978,270 19,375
Washington 82 9 91 27,126 134
West Virginia 343 41 384 27,378 245
Wisconsin 5,254 85 5,339 776,544 2,649
Total 1,370,999 25,776 1,396,775 $350,545,986 $1,506,609
(1) Excludes the FAIR Plans of Arkansas and Hawaii. (2) Exposure is the estimate of the aggregate value of all insurance in force in all FAIR Plans in all lines (except liability, where applicable, and crime) for 12 months ending September through December. (3) Citizens Property Insurance Corp., which combined the FAIR and Beach Plans. (4) The Mississippi and Texas FAIR Plans do not offer a commercial policy. Source: Property Insurance Plans Service Office (PIPSO).

Costs/Expenditures

Average Premiums For Homeowners And Renters Insurance By State, 2017 (1)
View Full Table
 
  Homeowners Renters   Homeowners Renters
State Average premium (2) Rank (3) Average premium (4) Rank (3) State Average premium (2) Rank (3) Average premium (4) Rank (3)
Alabama  $1,433 12 $235 3 Montana $1,174 24 $146 45
Alaska  959 37 166 28 Nebraska 1,481 10 143 47
Arizona  825 46 178 20 Nevada 755 48 178 20
Arkansas  1,373 13 212 7 New Hampshire 972 35 149 42
California (5) 1,008 32 182 17 New Jersey 1,192 23 165 29
Colorado  1,495 8 159 33 New Mexico 1,017 31 187 15
Connecticut  1,479 11 192 11 New York 1,309 15 194 9
Delaware 833 45 159 33 North Carolina 1,086 28 157 37
D.C. 1,235 20 158 35 North Dakota 1,253 19 120 51
Florida  1,951 2 188 12 Ohio 862 43 175 22
Georgia  1,267 18 219 6 Oklahoma 1,885 4 236 2
Hawaii  1,102 27 185 16 Oregon 677 51 163 30
Idaho  730 49 153 39 Pennsylvania 931 40 158 35
Illinois  1,056 29 167 27 Rhode Island 1,551 6 182 18
Indiana  1,000 33 174 23 South Carolina 1,269 17 188 12
Iowa  964 36 144 46 South Dakota 1,202 21 123 50
Kansas  1,584 5 172 25 Tennessee 1,196 22 199 8
Kentucky  1,109 26 168 26 Texas (6) 1,893 3 232 5
Louisiana  1,968 1 235 3 Utah 692 50 151 41
Maine  882 42 149 42 Vermont 918 41 155 38
Maryland  1,037 30 161 32 Virginia  999 34 152 40
Massachusetts  1,488 9 194 9 Washington 854 44 163 30
Michigan  942 38 182 18 West Virginia 940 39 188 12
Minnesota  1,348 14 140 48 Wisconsin 779 47 134 49
Mississippi  1,537 7 258 1 Wyoming 1,156 25 147 44
Missouri  1,285 16 173 24 United States $1,211   $180  
(1) Includes state funds, residual markets and some wind pools. (2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written. (3) Ranked from highest to lowest. States with the same premium receive the same rank. (4) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property and liability of tenants. (5) Data provided by the California Department of Insurance. (6) Texas data were obtained from the Texas Department of Insurance. Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data. Source: © 2019 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

Claims

Top 10 States For Homeowners Insurance Lightning Losses By Number Of Claims, 2019
View Full Table
 
Rank State Number of claims Value of claims ($ millions) Average cost per claim
1 Florida 6,821 $93.2 $13,669
2 Texas 5,780 88.3 15,278
3 California 5,100 71.9 14,105
4 Georgia 4,436 49.3 11,115
5 Louisiana 3,540 31.9 9,025
6 New York 2,866 39.5 13,792
7 North Carolina 2,849 31.8 11,165
8 Pennsylvania 2,838 27.3 9,612
9 Alabama 2,514 30.3 12,051
10 Illinois 2,438 24.6 10,078
  Total, top 10 39,182 $488.2 $12,460
  Other states 37,678 431.8 11,461
  Total U.S. 76,860 $920.1 $11,971
Source: Insurance Information Institute.

Flood Insurance

National Flood Insurance Program Policies By State, 2018 (1)
View Full Table
 
  Direct NFIP business WYO business Total NFIP/WYO
State Number of policies Insurance in force (2) ($ millions) Number of policies Insurance in force (2) ($ millions) Number of policies Insurance in force (2) ($ millions)
Alabama 9,731 $2,128.9 44,617 $10,795.4 54,348 $12,924.2
Alaska 620 152.0 1,791 508.3 2,411 660.3
Arizona 5,277 1,289.8 25,854 6,692.6 31,131 7,982.4
Arkansas 3,054 503.3 12,470 2,416.7 15,524 2,920.0
California 36,579 10,363.2 189,141 55,361.5 225,720 65,724.7
Colorado 3,673 937.2 17,298 4,544.5 20,971 5,481.8
Connecticut 2,184 524.7 34,926 9,025.3 37,110 9,550.1
Delaware 4,374 1,197.7 22,595 6,017.0 26,969 7,214.7
D.C. 137 38.7 1,966 475.9 2,103 514.6
Florida 123,746 32,781.6 1,633,981 407,159.3 1,757,727 439,940.9
Georgia 15,526 4,022.8 71,057 19,566.4 86,583 23,589.2
Hawaii 2,712 657.5 59,663 13,837.2 62,375 14,494.8
Idaho 991 250.4 4,922 1,272.5 5,913 1,523.0
Illinois 10,077 1,819.1 29,410 6,168.5 39,487 7,987.6
Indiana 4,689 789.6 17,088 3,595.3 21,777 4,384.9
Iowa 2,295 380.6 9,926 2,198.4 12,221 2,579.0
Kansas 1,981 340.3 7,160 1,491.1 9,141 1,831.4
Kentucky 3,338 500.5 16,909 3,056.0 20,247 3,556.4
Louisiana 123,628 30,630.0 377,661 101,986.8 501,289 132,616.8
Maine 564 121.7 7,645 1,889.2 8,209 2,010.9
Maryland 6,111 1,589.2 60,991 14,682.9 67,102 16,272.0
Massachusetts 4,152 958.1 57,213 15,043.1 61,365 16,001.2
Michigan 3,702 570.0 16,493 3,285.7 20,195 3,855.7
Minnesota 1,463 333.9 7,211 1,780.3 8,674 2,114.2
Mississippi 13,225 3,190.3 49,771 12,489.2 62,996 15,679.5
Missouri 3,951 633.6 16,199 3,423.9 20,150 4,057.4
Montana 850 184.9 4,328 937.1 5,178 1,122.0
Nebraska 1,854 317.7 6,780 1,406.5 8,634 1,724.2
Nevada 1,965 482.3 9,115 2,441.2 11,080 2,923.5
New Hampshire 556 122.2 7,496 1,706.4 8,052 1,828.7
New Jersey 16,055 3,627.4 207,846 52,912.7 223,901 56,540.1
New Mexico 1,995 393.3 10,316 2,245.0 12,311 2,638.2
New York 17,342 4,452.9 159,526 44,395.9 176,868 48,848.9
North Carolina 16,720 3,944.9 123,387 31,549.9 140,107 35,494.8
North Dakota 1,579 435.7 7,938 2,209.9 9,517 2,645.6
Ohio 5,823 893.2 25,407 5,024.9 31,230 5,918.1
Oklahoma 2,910 583.2 9,864 2,208.0 12,774 2,791.2
Oregon 5,502 1,376.9 20,809 5,434.3 26,311 6,811.2
Pennsylvania 8,275 1,420.5 47,170 10,627.6 55,445 12,048.1
Rhode Island 454 118.7 12,725 3,369.1 13,179 3,487.8
South Carolina 24,238 6,747.8 182,588 48,462.7 206,826 55,210.5
South Dakota 551 115.6 2,739 621.1 3,290 736.7
Tennessee 4,876 1,194.4 23,377 5,881.4 28,253 7,075.7
Texas 124,752 33,568.9 622,582 176,667.0 747,334 210,235.9
Utah 650 155.6 3,489 943.0 4,139 1,098.6
Vermont 307 55.9 3,205 730.7 3,512 786.7
Virginia 17,091 4,421.9 91,099 24,351.0 108,190 28,772.9
Washington 5,134 1,231.3 29,352 7,836.8 34,486 9,068.1
West Virginia 4,363 508.7 10,634 1,801.6 14,997 2,310.3
Wisconsin 1,678 291.1 10,731 2,186.3 12,409 2,477.4
Wyoming 326 81.1 1,430 379.0 1,756 460.1
Guam 106 20.8 74 15.5 180 36.3
American Samoa 0 0.0 137 2.3 137 2.3
N. Mariana Islands 2 0.1 3 0.3 5 0.4
Puerto Rico 2,668 102.4 8,692 1,203.1 11,360 1,305.5
Virgin Islands 297 55.4 1,415 249.0 1,712 304.3
United States 656,699 $163,609.5 4,438,212 $1,146,562.3 5,094,911 $1,310,171.8
(1) Direct and Write-Your-Own (WYO) business may not add to total due to rounding. (2) Total limits of liability for all policies in force. Source: U.S. Department of Homeland Security, Federal Emergency Management Agency.

Major Catastrophes

United States

Top 10 States By Insured Catastrophe Losses, 2019 (1)
View Full Table
($ millions)
Rank State Estimated insured loss Number of claims
1 Texas $7,236.4 583,050
2 Illinois 1,707.2 168,100
3 Colorado 1,366.9 127,450
4 Ohio 1,345.1 106,950
5 California 1,321.7 71,450
6 Minnesota 1,202.3 115,350
7 Pennsylvania 1,107.5 149,150
8 Nebraska 864.1 71,950
9 Oklahoma 597.8 57,100
10 Montana 593.5 36,300
(1) Includes catastrophes causing insured property losses of at least $25 million in 1997 dollars and affecting a significant number of policyholders and insurers. Excludes losses covered by the federally administered National Flood Insurance Program. Source: The Property Claim Services® (PCS®) unit of ISO®, a Verisk Analytics® company.

U.S. Natural Catastrophes

Hurricanes, Wildfires, Convective Storms, Tornadoes, Hail, Lightning, Winter Storms, Floods, Earthquakes

Top 10 States For Wildfires Ranked By Number Of Fires And By Number Of Acres Burned, 2019
View Full Table
 
Rank State Number of fires Rank State Number of acres burned
1 California 8,194 1 Alaska 2,498,159
2 Texas 6,892 2 Arizona 384,942
3 North Carolina 3,872 3 Idaho 284,026
4 Georgia 3,158 4 California 259,148
5 Oregon 2,293 5 Texas 215,493
6 Florida 2,121 6 Washington 169,742
7 Arizona 1,869 7 Florida 122,500
8 Montana 1,474 8 Utah 92,380
9 Washington 1,394 9 Nevada 82,282
10 Alabama 1,107 10 New Mexico 79,887
Source: National Interagency Fire Center.
Top 10 States At High To Extreme Wildfire Risk, 2019 (1)
View Full Table
 
Rank State Estimated number of properties at risk Rank State Percent of properties at risk
1 California 2,019,800 1 Montana 29%
2 Texas 717,800 2 Idaho 26
3 Colorado 371,100 3 Colorado 17
4 Arizona 237,900 4 California 15
5 Idaho 175,000 5 New Mexico 15
6 Washington 160,500 6 Utah 14
7 Oklahoma 153,400 7 Wyoming 14
8 Oregon 151,400 8 Oklahoma 9
9 Montana 137,800 9 Oregon 9
10 Utah 136,000 10 Arizona 8
(1) As of September 2019. Source: Verisk Wildfire Risk Analytics used data from FireLine®, Verisk's wildfire risk management tool.
Tornadoes And Related Deaths By State, 2019 (1)
View Full Table
 
State Tornadoes Fatalities Rank (2) State Tornadoes Fatalities Rank (2)
Alabama 95 25 7 Montana 6 0 32
Alaska 0 0 (3) Nebraska 44 0 14
Arizona 10 0 30 Nevada 1 0 41
Arkansas 31 0 19 New Hampshire 0 0 (3)
California 16 0 27 New Jersey 9 0 31
Colorado 53 0 12 New Mexico 21 0 25
Connecticut 1 0 41 New York 4 0 36
Delaware 1 0 41 North Carolina 59 0 9
D.C. 0 0 (3) North Dakota 14 0 29
Florida 25 0 22 Ohio 59 1 9
Georgia 60 0 8 Oklahoma 99 0 4
Hawaii 0 0 (3) Oregon 4 4 36
Idaho 5 0 35 Pennsylvania 34 0 17
Illinois 37 0 16 Rhode Island 1 0 41
Indiana 39 0 15 South Carolina 18 0 26
Iowa 53 1 12 South Dakota 23 0 24
Kansas 127 0 3 Tennessee 16 0 27
Kentucky 28 0 21 Texas 188 2 1
Louisiana 97 3 6 Utah 0 0 (3)
Maine 1 0 41 Vermont 1 0 41
Maryland 6 0 32 Virginia 24 0 23
Massachusetts 3 0 38 Washington 2 0 40
Michigan 6 0 32 West Virginia 3 0 38
Minnesota 54 0 11 Wisconsin 32 0 18
Mississippi 138 2 2 Wyoming 30 0 20
Missouri 98 3 5 United States (4) 1,676 41  
(1) Ranked by total number of tornadoes. (2) States with the same number of tornadoes receive the same ranking. (3) State had no tornadoes in 2019. (4) The U.S. total will not match data used in other charts because it counts tornadoes that cross state lines. Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.

U.S. Man-made Catastrophes

Fire, Civil Disorders, Terrorism, Nuclear Incidents

Top 10 Costliest Large-Loss Fires, 2018
View Full Table
($ millions)
Rank Month State Type of facility Estimated loss
1 November California Wildland Urban Interface fire, Camp Fire $8,473.4
2 November California Wildland Urban Interface fire, Woolsey Fire  2,932.1
3 July California Wildland Urban Interface fire, Carr Fire 892.6
4 May Kansas University library 70.0
5 April California Apartment complex under construction 60.5
6 September D.C. Occupied apartment building 47.0
7 July California Wildland Urban Interface fire, Ranch Fire 30.3
8 July Wisconsin Printing facility 21.0
9 February California Single-family home 20.5
10 May Missouri Hog farm 20.0
10 August California Wood product manufacturing Plant 20.0
Note: Loss data shown here may differ from figures shown elsewhere for the same event due to differences in the date of publication, the geographical area covered and other criteria used by organizations collecting the data. Source: Reproduced with permission from Large-Loss Fires in the United States, 2018 by Stephen G. Badger and Matthew Foley, ©2019 National Fire Protection Association www.nfpa.org.
Top Catastrophic Multiple-Death Fires, 2018 (1)
View Full Table
 
Rank (2) Month State Type of facility Deaths
1 November California Wildland Urban Interface fire 85
2 August Illinois Two-family home 10
3 July California Wildland Urban Interface fire 8
4 April Tennessee Single-family home 6
5 July Michigan Motel 6
6 November Indiana Single-family home 6
7 January Oklahoma Gas well 5
7 January Kansas Single-family home 5
7 February Arizona Helicopter crash/fire 5
7 March Tennessee Single-family home 5
7 April New York Single-family home 5
7 May North Carolina Apartment building 5
7 June Missouri Single-family, manufactured 5
7 June Washington Vacation cabin 5
7 July New Jersey Apartment building 5
7 July Texas Apartment building 5
7 December Ohio Single-family home 5
(1) Fires that kill five or more people in residential property, or three or more people in nonhome or nonstructural property. (2) Fires with the same number of deaths receive the same rank. Source: Reproduced with permission from Catastrophic Multiple-Death Fires in 2018 by Stephen G. Badger, ©2019 National Fire Protection Association. www.nfpa.org.

Crime

Cybercrime and Identity Theft

Top 10 States By Number Of Cybercrime Victims, 2019 (1)
View Full Table
 
Rank State Number
1 California 50,132
2 Florida 27,178
3 Texas 27,178
4 New York 21,371
5 Washington 13,095
6 Maryland 11,709
7 Virginia 11,674
8 Pennsylvania 10,914
9 Illinois 10,337
10 Indiana 9,746
(1) Based on the total number of complaints submitted to the Internet Crime Complaint Center via its website from each state where the complainant provided state information. Source: Internet Crime Complaint Center.
Identity Theft By State, 2018 (1)
View Full Table
 
State Complaints per 100,000 population (2) Number of complaints Rank (3) State Complaints per 100,000 population (2) Number of complaints Rank (3)
Alabama 108 5,241 19 Montana 76 799 35
Alaska 69 507 41 Nebraska 67 1,281 42
Arizona 126 8,853 11 Nevada 194 5,816 2
Arkansas 73 2,197 38 New Hampshire 117 1,565 15
California 186 73,668 3 New Jersey 125 11,273 13
Colorado 110 6,151 18 New Mexico 96 2,000 27
Connecticut 108 3,864 19 New York 122 24,248 14
Delaware 158 1,517 7 North Carolina 112 11,481 16
D.C. 167 1,156 5 North Dakota 63 474 44
Florida 180 37,797 4 Ohio 88 10,268 31
Georgia 229 23,871 1 Oklahoma 79 3,109 34
Hawaii 72 1,021 40 Oregon 101 4,179 22
Idaho 80 1,368 33 Pennsylvania 107 13,725 21
Illinois 127 16,296 10 Puerto Rico 51 1,710 51
Indiana 74 4,918 36 Rhode Island 93 990 29
Iowa 53 1,654 50 South Carolina 126 6,339 11
Kansas 74 2,142 36 South Dakota 56 486 48
Kentucky 57 2,522 47 Tennessee 101 6,808 22
Louisiana 111 5,202 17 Texas 159 45,030 6
Maine 56 744 48 Utah 94 2,915 28
Maryland 145 8,747 8 Vermont 51 316 51
Massachusetts 93 6,387 29 Virginia 97 8,196 25
Michigan 140 13,952 9 Washington 100 7,380 24
Minnesota 73 4,070 38 West Virginia 58 1,051 45
Mississippi 97 2,894 25 Wisconsin 64 3,731 43
Missouri 85 5,222 32 Wyoming 58 338 45
(1) Includes the District of Columbia and Puerto Rico. (2) Population figures are based on the 2018 U.S. Census population estimates. (3) Ranked by complaints per 100,000 population. States with the same number of complaints per 100,000 population receive the same rank. Source: Federal Trade Commission, Consumer Sentinel Network.

Motor Vehicles

Crashes

Motor Vehicle Traffic Deaths By State, 2017-2018
View Full Table
 
  Number of deaths     Number of deaths  
State 2017 2018 Percent change State 2017 2018 Percent change
Alabama 948 953 0.5% Montana 186 182 -2.2%
Alaska 79 80 1.3 Nebraska 228 230 0.9
Arizona 998 1,010 1.2 Nevada 311 330 6.1
Arkansas 525 516 -1.7 New Hampshire 102 147 44.1
California 3,884 3,563 -8.3 New Jersey 624 564 -9.6
Colorado 648 632 -2.5 New Mexico 380 391 2.9
Connecticut 281 294 4.6 New York 1,006 943 -6.3
Delaware 119 111 -6.7 North Carolina 1,412 1,437 1.8
D.C. 31 31 (1) North Dakota 116 105 -9.5
Florida 3,116 3,133 0.5 Ohio 1,179 1,068 -9.4
Georgia 1,540 1,504 -2.3 Oklahoma 657 655 -0.3
Hawaii 107 117 9.3 Oregon 439 506 15.3
Idaho 245 231 -5.7 Pennsylvania 1,137 1,190 4.7
Illinois 1,090 1,031 -5.4 Rhode Island 84 59 -29.8
Indiana 916 858 -6.3 South Carolina 989 1037 4.9
Iowa 330 318 -3.6 South Dakota 129 130 0.8
Kansas 461 404 -12.4 Tennessee 1,024 1,041 1.7
Kentucky 782 724 -7.4 Texas 3,732 3,642 -2.4
Louisiana 770 768 -0.3 Utah 273 260 -4.8
Maine 173 137 -20.8 Vermont 69 68 -1.4
Maryland 558 501 -10.2 Virginia 839 820 -2.3
Massachusetts 347 360 3.7 Washington 563 546 -3.0
Michigan 1,031 974 -5.5 West Virginia 304 294 -3.3
Minnesota 358 381 6.4 Wisconsin 613 588 -4.1
Mississippi 685 664 -3.1 Wyoming 123 111 -9.8
Missouri 932 921 -1.2 United States 37,473 36,560 -2.4%
(1) Less than 0.1 percent. Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Theft

Top 10 States With The Most And The Fewest Number Of Motor Vehicle Thefts, 2018
View Full Table
 
Most motor vehicle thefts Fewest motor vehicle thefts
Rank State Vehicles stolen Rank State Vehicles stolen
1 California 155,211 1 Vermont 253
2 Texas 69,817 2 Maine 777
3 Florida 41,165 3 Wyoming 839
4 Washington 27,677 4 New Hampshire 869
5 Georgia 24,760 5 Delaware 1,476
6 Colorado 21,673 6 South Dakota 1,524
7 Tennessee 20,439 7 Rhode Island 1,531
8 Ohio 19,909 8 North Dakota 1,775
9 Missouri 19,815 9 Idaho 1,964
10 Illinois 19,593 10 West Virginia 2,519
Source: U.S. Department of Justice, Federal Bureau of Investigation, Uniform Crime Reports.

Recreation

Top 10 States By Recreational Watercraft Accidents, 2019 (1)
View Full Table
 
Rank State Accidents Deaths People injured Property damage ($000)
1 Florida 679 62 421 $9,232
2 California 324 39 199 7,301
3 Texas 184 43 122 2,012
4 New York 165 17 119 5,615
5 Missouri 145 18 103 1,261
6 South Carolina 141 15 108 1,287
7 Maryland 130 16 101 866
8 Michigan 128 22 74 527
8 North Carolina 128 16 72 2,418
8 Ohio 128 13 61 2,516
(1) Includes accidents involving $2,000 or more in property damage. Includes watercraft such as motorboats and sailboats and other vessels such as Jet Skis. Source: U.S. Department of Homeland Security, U.S. Coast Guard.