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, 2018 (1)
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($000)
State Amount State Amount
Alabama  $376,766 Montana $110,827
Alaska 62,429 Nebraska 62,662
Arizona 550,438 Nevada 395,701
Arkansas 223,362 New Hampshire 111,972
California 2,569,271 New Jersey  614,072
Colorado 262,411 New Mexico 169,355
Connecticut 209,026 New York  1,623,191
Delaware 110,292 North Carolina 589,037
D.C. 115,290 North Dakota 63,274
Florida 1,084,872 Ohio 582,794
Georgia 505,054 Oklahoma 328,756
Hawaii 165,602 Oregon 70,903
Idaho 97,359 Pennsylvania 836,186
Ilinois 456,406 Rhode Island 81,519
Indiana 236,175 South Carolina 239,215
Iowa 114,363 South Dakota 92,488
Kansas 408,321 Tennessee 970,831
Kentucky 165,161 Texas 2,445,005
Louisiana 870,872 Utah 135,180
Maine 99,654 Vermont 59,370
Maryland 541,758 Virginia 516,743
Massachusetts 406,251 Washington 630,657
Michigan 395,999 West Virginia 169,607
Minnesota 519,547 Wisconsin 207,729
Mississippi 338,576 Wyoming 23,481
Missouri 464,418 United States $22,480,228
(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, 2018 (1)
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($ millions)
State Life insurance Annuities Accident and health insurance (2) Deposit-type contract funds Other considerations Total
Alabama $2,192 $2,992 $1,835 $257 $512 $7,789
Alaska 447 395 322 23 239 1,426
Arizona 2,471 5,468 4,050 317 1,846 14,152
Arkansas 1,118 1,576 1,041 74 297 4,106
California 17,576 25,873 14,901 2,754 10,248 71,352
Colorado 2,745 5,601 4,184 1,218 1,025 14,773
Connecticut 2,542 5,331 3,073 9,214 2,268 22,430
Delaware 1,346 2,606 773 56,272 553 61,550
D.C. 434 687 1,039 1,434 789 4,382
Florida 9,638 19,451 14,917 1,468 4,679 50,153
Georgia 5,043 5,650 8,577 2,026 3,092 24,389
Hawaii 840 1,496 1,227 76 449 4,088
Idaho 596 1,200 829 72 293 2,990
Illinois 7,059 9,872 6,191 1,344 2,873 27,339
Indiana 3,060 5,628 4,809 2,341 1,054 16,892
Iowa 2,426 3,213 1,529 8,013 3,219 18,399
Kansas 1,361 2,299 3,984 1,289 412 9,346
Kentucky 1,606 2,647 1,779 268 890 7,191
Louisiana 2,441 3,570 2,170 266 595 9,043
Maine 451 1,252 926 67 223 2,919
Maryland 3,071 5,299 3,763 679 1,351 14,163
Massachusetts 3,805 7,798 3,586 1,771 3,438 20,396
Michigan 4,630 10,796 3,633 1,194 1,868 22,120
Minnesota 4,755 4,951 1,715 917 2,158 14,497
Mississippi 1,272 1,748 1,500 278 206 5,004
Missouri 2,778 6,069 4,853 736 2,079 16,515
Montana 374 492 416 35 177 1,493
Nebraska 1,086 1,841 1,566 487 486 5,466
Nevada 1,174 1,665 1,334 309 512 4,994
New Hampshire 619 2,263 716 145 861 4,604
New Jersey 6,471 12,022 6,906 1,495 2,724 29,618
New Mexico 659 1,053 1,146 80 447 3,385
New York 12,378 19,016 10,158 41,063 9,191 91,806
North Carolina 4,805 7,581 6,365 664 2,774 22,189
North Dakota 436 663 340 80 186 1,704
Ohio 5,125 11,307 7,933 14,931 2,334 41,631
Oklahoma 1,480 2,183 1,833 239 556 6,291
Oregon 1,290 2,672 2,148 246 1,130 7,485
Pennsylvania 6,476 13,889 7,694 2,899 3,160 34,118
Rhode Island 459 1,258 540 135 206 2,597
South Carolina 2,261 3,950 4,092 238 504 11,044
South Dakota 853 570 414 260 122 2,219
Tennessee 3,237 5,545 3,837 935 1,226 14,780
Texas 12,244 17,441 18,006 5,113 3,190 55,994
Utah 1,490 2,498 1,437 361 618 6,404
Vermont 255 590 385 81 155 1,466
Virginia 4,314 6,319 5,939 744 1,394 18,710
Washington 2,606 4,812 4,095 561 1,667 13,741
West Virginia 633 1,210 860 95 161 2,959
Wisconsin 2,673 5,296 3,819 698 1,197 13,683
Wyoming 273 500 376 30 76 1,254
United States (3) $159,375 $270,102 $189,561 $166,290 $81,710 $867,039
(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, 2018 (1)
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($000)
State Total, all lines State Total, all lines
Alabama $8,925,293 Montana $2,556,685
Alaska 1,606,192 Nebraska 5,011,116
Arizona 11,672,535 Nevada 5,722,920
Arkansas 5,460,429 New Hampshire 2,493,214
California 80,948,048 New Jersey 21,986,266
Colorado 13,330,484 New Mexico 3,524,882
Connecticut 8,814,625 New York 48,303,680
Delaware 2,788,295 North Carolina 16,449,705
D.C. 1,976,400 North Dakota 2,565,272
Florida 53,805,330 Ohio 17,102,142
Georgia 21,523,269 Oklahoma 8,336,375
Hawaii 2,590,554 Oregon 7,385,012
Idaho 2,984,349 Pennsylvania 25,284,026
Illinois 25,990,547 Rhode Island 2,490,665
Indiana 11,622,786 South Carolina 10,163,622
Iowa 6,572,681 South Dakota 2,434,835
Kansas 6,685,306 Tennessee 11,895,823
Kentucky 7,833,758 Texas 58,671,521
Louisiana 11,995,270 Utah 5,050,843
Maine 2,361,248 Vermont 1,287,338
Maryland 12,254,030 Virginia 14,309,735
Massachusetts 15,524,235 Washington 12,820,723
Michigan 19,940,205 West Virginia 3,095,270
Minnesota 11,897,630 Wisconsin 10,848,048
Mississippi 5,390,424 Wyoming 1,214,919
Missouri 12,020,354 United States (2) $667,518,914
(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, 2018 (1)
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($000)
State Incurred losses State Incurred losses
Alabama $5,403,593 Montana $1,389,000
Alaska 913,240 Nebraska 2,660,217
Arizona 6,869,366 Nevada 4,058,416
Arkansas 3,240,912 New Hampshire 1,255,000
California 56,835,067 New Jersey 12,843,320
Colorado 11,163,576 New Mexico 2,258,969
Connecticut 5,076,488 New York 27,755,699
Delaware 1,421,548 North Carolina 12,491,658
D.C. 932,665 North Dakota 1,213,388
Florida 38,581,454 Ohio 8,346,182
Georgia 13,938,391 Oklahoma 4,043,739
Hawaii 1,167,833 Oregon 3,518,503
Idaho 1,817,885 Pennsylvania 14,543,588
Illinois 14,531,584 Rhode Island 1,433,537
Indiana 5,837,873 South Carolina 5,587,254
Iowa 4,465,075 South Dakota 1,356,756
Kansas 3,503,390 Tennessee 5,857,635
Kentucky 4,417,634 Texas 31,165,197
Louisiana 6,360,741 Utah 2,703,200
Maine 1,114,748 Vermont 631,895
Maryland 7,766,651 Virginia 8,389,610
Massachusetts 7,971,753 Washington 6,986,590
Michigan 13,001,444 West Virginia 1,755,893
Minnesota 6,374,792 Wisconsin 6,083,560
Mississippi 2,805,252 Wyoming 851,329
Missouri 6,579,523 United States $401,272,611
(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, 2018
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State Net assessments (1) State Net assessments (1)
Alabama $13,494,453 Montana 0
Alaska 3,810,653 Nebraska 0
Arizona 0 Nevada $5,000,000
Arkansas 0 New Hampshire 0
California 0 New Jersey 122,639,890
Colorado 0 New Mexico 0
Connecticut 4,734,081 New York NA
Delaware 332,400 North Carolina 0
D.C. 0 North Dakota 0
Florida 0 Ohio 0
Georgia 0 Oklahoma 0
Hawaii 0 Oregon 0
Idaho 0 Pennsylvania 62,600,000
Illinois 0 Rhode Island -1,717,942
Indiana 5,350,000 South Carolina 0
Iowa 0 South Dakota 0
Kansas 0 Tennessee 0
Kentucky 3,500,000 Texas 0
Louisiana 0 Utah 0
Maine 1,800,000 Vermont 450,000
Maryland 0 Virginia 700,000
Massachusetts 0 Washington 366,919
Michigan 0 West Virginia 2,500,000
Minnesota 0 Wisconsin 0
Mississippi 0 Wyoming 0
Missouri 0 United States $225,560,454
(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, 2018 (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 $1,988,252 $1,573,265 $413,458 $155,998 $1,741,767 $79,052 $596,494
Alaska 283,297 202,754 54,936 15,723 171,663 641 103,150
Arizona 3,215,015 2,069,258 497,631 132,906 1,687,244 16,767 633,561
Arkansas 1,115,611 956,719 280,496 122,765 941,727 35,895 337,899
California 17,237,262 12,651,489 3,455,044 940,745 8,365,295 214,106 4,852,169
Colorado 3,015,687 2,020,160 503,607 180,119 2,486,828 88,862 846,384
Connecticut 1,964,892 1,118,120 352,859 92,547 1,526,118 7,089 653,736
Delaware 632,187 281,215 110,068 25,508 283,058 7,577 369,249
D.C. 209,587 161,815 45,127 7,141 166,369 0 166,522
Florida 14,530,297 5,921,229 2,805,041 453,599 9,631,263 24,607 1,917,672
Georgia 6,122,284 3,276,798 1,102,837 305,699 3,346,783 127,062 1,074,036
Hawaii 447,617 333,734 97,611 26,418 399,064 0 183,975
Idaho 593,914 451,351 130,303 68,983 386,963 67,371 218,843
Illinois 4,284,985 3,365,575 1,354,944 394,438 3,719,689 185,254 1,766,273
Indiana 2,246,823 1,688,501 541,114 230,615 1,990,281 197,375 860,941
Iowa 898,797 937,006 247,398 177,599 811,406 221,208 403,913
Kansas 1,010,230 940,087 214,213 141,135 1,205,261 247,170 388,410
Kentucky 2,064,892 1,122,885 347,841 120,959 1,217,016 164,905 532,980
Louisiana 3,128,453 1,694,242 630,686 116,831 1,900,173 14,913 493,020
Maine 403,188 361,426 107,649 50,234 432,543 5,669 246,834
Maryland 3,184,041 2,095,003 509,700 150,192 1,841,929 29,978 670,354
Massachusetts 3,015,665 2,386,015 700,964 244,507 2,460,803 3,845 1,253,542
Michigan 6,045,386 3,468,716 737,024 347,158 2,852,002 147,014 1,105,084
Minnesota 2,130,705 1,665,036 399,226 218,108 2,188,417 155,277 732,913
Mississippi 1,077,978 895,330 303,725 104,148 990,765 27,829 324,200
Missouri 2,302,778 1,826,656 477,446 214,356 2,130,092 186,443 801,329
Montana 389,636 385,391 109,777 72,841 352,551 78,235 187,684
Nebraska 700,163 612,974 166,045 131,394 772,065 244,344 285,339
Nevada 1,923,138 796,629 291,177 50,577 620,692 8,491 337,846
New Hampshire 446,618 434,284 107,554 40,189 420,199 3,180 252,018
New Jersey 5,460,852 2,492,681 1,345,272 241,477 2,714,311 3,018 1,540,216
New Mexico 922,099 565,495 169,440 56,688 547,015 26,343 234,740
New York 8,969,142 5,013,436 2,304,594 387,670 5,426,122 44,909 4,093,072
North Carolina 3,311,348 3,052,880 736,948 250,806 2,710,120 65,073 982,594
North Dakota 215,281 277,610 95,280 75,701 218,605 128,055 130,938
Ohio 3,873,433 3,064,091 800,875 314,662 2,970,685 177,566 1,293,882
Oklahoma 1,499,287 1,269,163 368,471 158,692 1,705,106 160,419 549,783
Oregon 2,091,386 984,384 332,555 107,601 868,227 69,761 515,993
Pennsylvania 5,074,201 4,053,504 1,189,200 476,047 3,424,268 109,663 1,820,201
Rhode Island 638,045 327,612 93,083 25,930 419,521 389 167,335
South Carolina 2,766,722 1,592,107 387,549 122,686 1,772,140 16,031 505,667
South Dakota 254,621 314,798 76,139 60,474 261,228 126,508 137,034
Tennessee 2,381,566 1,947,504 488,959 242,517 2,101,110 154,752 758,796
Texas 12,724,547 9,952,450 3,167,892 968,360 9,447,668 351,009 2,789,672
Utah 1,327,316 791,620 250,005 90,372 568,442 16,024 291,011
Vermont 186,370 201,471 47,451 27,660 206,220 15,491 140,072
Virginia 3,289,184 2,462,983 578,987 193,884 2,332,033 76,424 821,024
Washington 3,617,032 1,890,796 557,856 179,955 1,830,721 77,183 875,180
West Virginia 700,919 572,853 144,799 55,368 457,072 16,352 206,520
Wisconsin 1,797,461 1,452,107 431,537 208,132 1,484,980 188,966 731,802
Wyoming 184,132 229,092 59,465 35,579 210,760 31,782 101,264
United States $147,894,319 $98,202,297 $30,721,859 $9,613,691 $98,716,381 $4,445,880 $41,283,164
(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, 2018 (1) (Cont’d)
View Full Table
($000)
State Workers compensation Excess workers compensation Medical professional liability Product liability Other liability Fire Allied lines
Alabama $332,458 $16,548 $117,722 $30,391 $645,517 $194,029 $196,820
Alaska 239,826 2,748 23,021 4,846 141,796 52,022 32,026
Arizona 855,382 8,492 201,636 45,518 929,366 136,698 127,866
Arkansas 247,500 3,699 64,145 16,789 402,086 150,259 122,119
California 12,216,581 118,489 728,433 526,955 8,809,881 1,225,854 799,183
Colorado 1,091,059 9,879 149,174 78,837 1,237,557 163,707 194,015
Connecticut 766,829 6,100 183,967 48,242 1,031,808 132,539 123,767
Delaware 222,157 451 29,881 9,338 384,216 25,801 28,627
D.C. 189,380 1,414 27,715 6,692 384,933 34,952 28,415
Florida 3,168,666 45,016 603,909 218,925 5,659,784 1,265,663 2,444,425
Georgia 1,647,260 19,952 307,205 92,789 1,682,258 339,117 290,252
Hawaii 275,023 5,451 28,869 11,189 303,030 82,842 100,153
Idaho 431,782 -10,488 30,729 13,280 213,212 34,851 26,325
Illinois 2,460,770 21,659 456,078 160,004 3,904,932 380,746 309,184
Indiana 799,227 9,924 124,575 84,260 946,997 253,972 165,621
Iowa 680,205 5,731 62,974 39,414 597,491 112,943 121,004
Kansas 393,974 4,816 64,092 33,315 435,709 105,105 157,674
Kentucky 579,041 6,773 115,750 25,326 502,860 119,785 101,423
Louisiana 819,755 44,813 93,078 41,724 926,640 353,386 417,606
Maine 229,586 1,391 40,170 7,636 174,527 46,036 39,302
Maryland 939,813 3,912 286,321 45,354 1,111,026 156,224 131,188
Massachusetts 1,272,890 12,717 319,635 96,662 1,910,278 286,707 238,195
Michigan 1,074,486 10,695 188,019 88,176 1,264,817 320,900 170,871
Minnesota 952,550 1,091 78,579 91,115 1,146,175 199,137 296,890
Mississippi 350,308 5,118 47,642 16,903 329,321 123,788 130,263
Missouri 911,298 18,778 140,174 57,385 1,083,575 197,524 186,110
Montana 274,640 2,937 44,541 10,499 177,197 30,938 34,341
Nebraska 370,228 3,466 33,633 19,817 352,861 64,341 85,668
Nevada 406,478 9,684 64,861 -11,600 536,912 85,507 69,988
New Hampshire 234,968 456 45,049 11,913 207,814 36,065 30,006
New Jersey 2,448,095 12,925 396,637 177,895 2,583,491 338,601 299,243
New Mexico 279,475 3,023 57,811 10,022 240,791 39,935 41,719
New York 5,907,811 27,153 1,611,050 308,196 8,250,875 776,735 598,021
North Carolina 1,419,031 8,880 167,625 87,185 1,280,312 285,418 317,320
North Dakota 5,933 2 9,907 13,076 171,643 38,481 41,910
Ohio 20,349 61,888 220,631 108,282 1,663,364 367,460 240,598
Oklahoma 661,314 5,819 96,422 38,813 628,293 159,473 195,977
Oregon 696,439 7,600 84,205 47,367 582,509 97,814 69,705
Pennsylvania 2,773,627 20,092 654,665 146,688 2,702,770 423,077 288,861
Rhode Island 216,820 1,211 27,831 11,280 232,831 40,717 44,483
South Carolina 829,130 7,434 68,952 48,906 587,865 233,726 186,762
South Dakota 178,069 193 15,806 11,195 132,731 31,826 33,646
Tennessee 818,244 10,404 196,205 54,621 1,058,860 257,765 199,245
Texas 2,509,033 17,387 340,622 311,665 5,420,486 1,755,094 1,819,980
Utah 443,499 2,764 56,898 34,783 456,861 90,292 48,132
Vermont 190,719 296 15,068 6,464 102,146 20,206 14,802
Virginia 1,070,994 13,140 184,111 54,586 1,402,318 221,275 193,935
Washington 22,394 14,795 156,752 74,674 1,234,498 196,633 154,454
West Virginia 271,119 4,517 69,779 10,258 256,540 62,126 38,415
Wisconsin 1,930,928 6,615 75,644 81,185 1,001,757 175,282 153,215
Wyoming 2,929 225 21,838 5,819 102,612 21,026 21,770
United States $57,130,073 $618,075 $9,230,039 $3,564,655 $67,528,129 $12,344,402 $12,201,519
(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, 2018 (1) (Cont’d)
View Full Table
($000)
State Inland marine Ocean marine Surety Fidelity Burglary and theft Boiler and machinery Financial guaranty
Alabama $336,672 $40,435 $70,824 $13,858 $3,948 $25,263 $1,345
Alaska 94,699 36,109 31,691 2,428 800 10,533 197
Arizona 386,076 21,254 111,585 13,147 4,340 25,366 621
Arkansas 237,585 16,655 36,315 8,326 2,511 15,903 1,141
California 3,102,769 316,797 903,010 129,893 41,684 134,744 23,440
Colorado 449,234 15,559 147,427 23,720 6,879 24,193 4,899
Connecticut 357,169 56,263 61,772 24,264 5,418 18,948 3,270
Delaware 72,446 8,198 25,009 4,335 1,339 4,245 17,226
D.C. 135,511 4,225 147,560 13,628 3,778 5,950 105
Florida 1,518,010 352,226 411,569 62,059 22,136 72,459 4,175
Georgia 713,134 64,503 166,045 32,324 10,040 43,123 1,536
Hawaii 109,624 18,459 43,675 4,302 965 5,829 3,967
Idaho 106,050 7,217 23,688 3,112 896 8,266 0
Illinois 897,059 114,844 212,877 66,334 16,092 72,464 21,662
Indiana 392,436 24,282 88,872 18,885 5,492 57,102 1,749
Iowa 244,331 7,789 48,302 13,273 3,148 24,289 3,503
Kansas 209,131 8,011 46,589 10,394 2,689 19,618 809
Kentucky 283,429 24,483 78,963 10,216 2,665 27,345 806
Louisiana 439,339 139,786 125,195 12,817 5,211 32,851 4,524
Maine 82,733 29,060 17,941 4,270 960 7,993 223
Maryland 395,068 102,079 156,757 25,147 6,161 26,114 3,149
Massachusetts 549,781 95,854 145,001 43,784 8,189 39,688 1,620
Michigan 578,307 76,069 106,584 31,860 9,425 61,155 14,861
Minnesota 394,386 28,464 89,721 27,852 7,750 37,262 2,271
Mississippi 213,434 17,614 42,844 7,969 2,166 13,986 1,330
Missouri 411,479 34,737 78,396 23,858 6,170 29,098 5,630
Montana 86,771 2,880 31,475 3,039 861 6,013 0
Nebraska 172,432 4,688 39,301 7,124 1,937 14,115 532
Nevada 196,196 7,252 91,756 6,936 2,397 12,820 1,204
New Hampshire 94,136 13,007 17,463 4,300 1,005 6,729 112
New Jersey 751,035 155,480 170,269 43,969 10,986 46,046 5,001
New Mexico 111,780 2,395 48,508 4,107 901 6,869 435
New York 1,799,806 375,306 458,837 164,689 37,094 118,850 135,022
North Carolina 684,821 65,246 170,161 37,287 7,913 41,583 6,775
North Dakota 81,075 1,564 20,390 2,913 606 13,871 138
Ohio 667,864 54,103 145,998 40,391 14,849 65,002 24,517
Oklahoma 274,449 19,336 67,435 11,514 2,888 19,780 19,705
Oregon 301,942 30,519 77,551 10,370 3,129 18,116 132
Pennsylvania 833,348 69,067 236,385 52,208 14,598 72,600 11,724
Rhode Island 87,277 37,226 25,811 4,260 1,052 5,024 201
South Carolina 393,913 34,991 83,083 9,996 3,165 25,567 777
South Dakota 69,443 1,571 14,732 3,517 612 6,787 0
Tennessee 469,442 56,897 108,839 18,409 6,429 33,208 242
Texas 2,327,680 280,490 644,862 80,277 30,524 126,749 15,902
Utah 184,170 11,655 58,208 7,795 2,071 11,103 349
Vermont 46,866 3,728 7,576 2,313 555 5,521 2
Virginia 509,917 77,819 184,685 34,969 9,715 32,283 502
Washington 700,619 124,382 181,069 19,349 6,046 34,577 2,778
West Virginia 86,833 3,276 46,993 3,712 898 7,035 163
Wisconsin 333,105 38,009 62,733 22,169 6,339 41,708 408
Wyoming 50,806 1,074 55,247 1,630 403 7,915 0
United States $24,025,621 $3,132,934 $6,467,579 $1,229,298 $347,825 $1,623,656 $350,678
(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, 2018 (1) (Cont'd)
View Full Table
($000)
State Aircraft Earthquake Federal flood Credit Warranty Accident and health
Alabama $17,541 $7,351 $28,316 $35,416 $11,845 $86,830
Alaska 33,189 27,951 1,535 2,545 467 15,431
Arizona 46,394 8,860 15,800 22,248 35,509 116,590
Arkansas 22,543 34,541 10,258 15,712 7,356 59,697
California 160,264 1,872,381 143,540 143,251 183,962 561,226
Colorado 46,217 10,049 13,851 25,626 32,615 110,487
Connecticut 33,009 6,940 45,584 34,028 7,600 62,610
Delaware 12,063 1,373 14,744 9,623 23,722 151,796
D.C. 2,211 3,212 1,350 11,271 25 136,275
Florida 114,101 28,070 819,242 122,909 566,899 284,735
Georgia 58,068 16,351 40,202 49,946 51,976 154,593
Hawaii 8,566 12,237 36,706 7,854 3,882 13,763
Idaho 11,801 3,628 3,382 3,598 6,447 19,398
Illinois 66,045 71,278 28,012 74,018 254,658 319,096
Indiana 20,108 40,769 16,283 36,433 35,573 254,872
Iowa 11,927 4,113 10,137 12,627 7,268 69,733
Kansas 20,871 7,698 6,020 16,903 178,465 63,974
Kentucky 8,158 50,520 12,279 42,260 12,344 50,767
Louisiana 33,176 8,046 221,062 34,930 5,112 70,831
Maine 4,057 1,919 7,760 8,676 3,398 14,556
Maryland 20,549 11,607 30,105 25,162 23,517 88,151
Massachusetts 16,448 25,507 67,342 41,558 14,775 96,419
Michigan 28,320 8,387 15,319 64,778 574,769 162,730
Minnesota 31,243 4,709 5,949 13,607 36,198 77,368
Mississippi 13,205 16,551 33,807 25,492 5,141 86,218
Missouri 24,467 100,269 16,763 33,342 43,422 160,534
Montana 10,170 5,875 2,781 1,998 1,690 38,217
Nebraska 12,872 2,260 6,498 5,795 5,680 126,823
Nevada 24,942 23,831 6,382 5,656 13,317 38,656
New Hampshire 5,888 2,957 7,392 8,416 5,022 19,204
New Jersey 17,560 25,185 177,573 89,640 26,719 182,569
New Mexico 7,129 2,208 8,160 8,411 5,356 23,503
New York 57,047 50,715 171,671 206,492 62,730 568,831
North Carolina 32,691 11,638 91,203 42,439 41,910 135,279
North Dakota 6,089 751 5,239 779 371 10,250
Ohio 54,337 33,002 25,371 66,747 48,717 191,920
Oklahoma 18,822 19,932 8,012 19,588 18,664 61,963
Oregon 27,349 94,567 16,950 12,496 6,605 70,210
Pennsylvania 32,791 17,205 52,727 67,323 79,081 309,505
Rhode Island 10,228 2,522 16,308 7,216 1,964 21,258
South Carolina 13,096 46,369 114,500 24,025 7,159 95,601
South Dakota 6,773 442 2,359 3,595 1,561 17,478
Tennessee 27,703 83,493 19,772 37,097 9,496 142,485
Texas 181,333 33,495 344,689 283,697 414,591 605,779
Utah 22,642 53,082 2,193 12,019 29,863 77,790
Vermont 1,639 1,059 4,469 2,573 5,983 14,978
Virginia 46,104 19,490 60,772 22,546 20,392 142,541
Washington 41,759 198,103 24,955 35,444 69,578 98,698
West Virginia 3,414 1,315 12,343 8,130 3,702 30,244
Wisconsin 19,604 4,317 9,402 21,257 29,179 180,853
Wyoming 5,374 3,825 1,172 1,222 711 25,937
United States $1,551,899 $3,121,953 $2,838,242 $1,908,413 $3,036,985 $6,519,248
(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, 2018 (1) (Cont'd)
View Full Table
($000)
State Multiple peril crop Private crop Mortgage guaranty Miscellaneous Private flood
Alabama $64,994 $1,326 $59,553 $33,287 $4,717
Alaska 68 0 17,984 1,389 726
Arizona 96,739 3,821 164,510 28,720 13,616
Arkansas 125,621 20,651 33,393 11,595 2,919
California 424,577 15,388 464,561 101,477 83,599
Colorado 176,482 14,805 126,115 29,635 6,815
Connecticut 6,520 0 69,337 4,729 8,554
Delaware 9,126 139 20,685 1,022 1,870
D.C. 0 0 25,069 54,144 2,023
Florida 104,807 143 359,914 192,116 79,664
Georgia 151,403 1,838 179,689 40,345 13,823
Hawaii 1,247 0 18,129 2,861 3,511
Idaho 71,574 12,415 41,469 2,303 1,686
Illinois 626,943 103,410 229,662 35,989 15,571
Indiana 330,186 30,191 107,135 12,439 9,754
Iowa 612,517 117,767 48,811 6,794 9,262
Kansas 642,245 54,346 44,570 6,162 5,620
Kentucky 145,697 8,831 41,787 5,210 5,563
Louisiana 80,211 3,478 61,673 21,188 20,519
Maine 10,924 4 17,590 1,167 1,826
Maryland 28,307 64 134,169 16,729 6,161
Massachusetts 3,715 0 122,437 32,656 17,036
Michigan 159,322 7,206 171,551 41,928 7,287
Minnesota 569,464 112,693 166,767 30,634 6,072
Mississippi 125,501 3,552 25,555 23,336 5,402
Missouri 373,730 26,344 87,811 20,306 10,054
Montana 191,333 1,506 17,469 2,291 1,108
Nebraska 513,674 212,026 32,056 7,537 3,426
Nevada 21,792 0 71,042 3,764 4,599
New Hampshire 413 0 31,130 4,149 1,579
New Jersey 4,439 91 151,696 39,721 33,571
New Mexico 57,138 2,390 28,964 10,008 2,026
New York 53,504 64 171,861 105,132 47,243
North Carolina 185,384 6,295 171,392 31,669 10,477
North Dakota 871,803 110,287 13,810 1,106 1,809
Ohio 235,654 20,397 165,766 54,343 15,400
Oklahoma 204,531 6,522 47,349 15,780 3,076
Oregon 50,279 2,829 80,197 19,975 6,248
Pennsylvania 49,357 656 183,605 22,839 22,141
Rhode Island 101 0 17,350 3,464 2,317
South Carolina 75,717 85 85,944 10,256 13,703
South Dakota 601,807 54,273 12,752 2,029 834
Tennessee 86,536 3,140 91,821 18,088 12,180
Texas 1,059,117 50,044 430,307 122,897 63,221
Utah 15,288 67 84,123 7,691 2,712
Vermont 2,459 2 11,514 967 699
Virginia 64,520 3,497 154,318 21,310 9,476
Washington 170,010 17,443 171,639 29,291 12,061
West Virginia 2,035 -2 13,426 3,312 1,805
Wisconsin 214,803 16,034 110,887 11,734 5,896
Wyoming 16,390 1,951 11,544 525 900
United States $9,690,003 $1,048,009 $5,201,889 $1,308,040 $622,160
(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.
State Seatbelt Use Laws
View Full Table
(As of September 2019)
State 2018 usage rate Primary/ secondary enforcement (1) Age requirements Maximum fine, first offense Damages reduced (2)
Alabama 91.8% P 15+ yrs. in front seat $25  
Alaska 91.6 P 16+ yrs. in all seats 15 X
Arizona 85.9 S 8+ yrs. in front seat; 8-15 yrs. in all seats 10 X
Arkansas 78.0 P 15+ yrs. in front seat 25  
California 95.9 P 16+ yrs. in all seats 20 X
Colorado 86.3 S 16+ yrs. in front seat 71 X
Connecticut 92.1 P 8+ yrs. in front seat 50  
Delaware 92.4 P 16+ yrs. in all seats 25  
D.C. 95.1 P 16+ yrs. in all seats 50  
Florida 90.6 P 6+ yrs. in front seat; 6-17 yrs. in all seats 30 X
Georgia 96.3 P 8-17 yrs. in all seats; 18+ yrs. in front seat 15-25  
Hawaii 97.8 P 8+ yrs. in all seats 45  
Idaho 85.4 S 7+ yrs. in all seats 10  
Illinois 94.6 P 16+ yrs. in all seats 25  
Indiana 93.4 P 16+ yrs. in all seats 25  
Iowa 93.9 P 18+ yrs. in front seat 25 X
Kansas 84.0 P (3) 14+ yrs. in all seats 60  
Kentucky 89.9 P 7 and younger and more than 57 inches tall in all seats; 8+ yrs. in all seats 25  
Louisiana 86.9 P 13+ yrs. in all seats 50  
Maine 88.5 P 18+ yrs. in all seats 50  
Maryland 90.3 P (3) 16+ yrs. in all seats 50  
Massachusetts 81.6 S 13+ yrs. in all seats 25 (4)  
Michigan 93.4 P 16+ yrs. in front seat 25 X
Minnesota 92.4 P 7 and younger and more than 57 inches tall in all seats; 8+ yrs. in all seats 25  
Mississippi 80.2 P 7+ yrs. in all seats 25  
Missouri 87.1 S (5) 16+ yrs. in front seat 10 X
Montana 86.6 S 6+ yrs. in all seats 20  
Nebraska 85.5 S 18+ yrs. in front seat 25 X
Nevada 91.9 S 6+ yrs. in all seats 25  
New Hampshire 76.4 No law for adults      
New Jersey 94.5 P (3) 7 yrs. and younger and more than 57 inches; 8+ yrs. in all seats 20 X
New Mexico 90.2 P 18+ yrs. in all seats 25  
New York 92.9 P 16+ yrs. in front seat 50 X
North Carolina 91.3 P (3) 16+ yrs. in all seats 25  
North Dakota 82.5 S 18+ yrs. in front seat 20 X
Ohio 84.9 S 8-14 yrs. in all seats; 15+ yrs. in front seat 30 driver/20 passenger X
Oklahoma 85.6 P 9+ yrs. in front seat 20  
Oregon 95.8 P 16+ yrs. in all seats 115 X
Pennsylvania 88.5 S (5) 18+ yrs. in front seat 10  
Rhode Island 88.8 P 18+ yrs. in all seats 40  
South Carolina 89.7 P 8+ yrs. in all seats 25  
South Dakota 78.9 S 18+ yrs. in front seat 20  
Tennessee 90.9 P 16+ yrs. in front seat 30  
Texas 91.3 P 7 yrs. and younger who are 57 inches or taller; 8+ yrs. in all seats 200  
Utah 89.0  P 16+ yrs. in all seats 45  
Vermont 89.8 S 18+ yrs. in all seats 25  
Virginia 84.1 S 18+ yrs. in front seat 25  
Washington 93.2 P 16+ yrs. in all seats 124  
West Virginia 90.5 P 8+ yrs. in front seat; 8-15 yrs. in all seats 25 X
Wisconsin 89.3 P 8+ yrs. in all seats 10 X
Wyoming 86.3 S 9+ yrs. in all seats 25 driver/10 passenger  
United States 89.6%        
(1) Primary enforcement means police may stop a vehicle and issue a fine for noncompliance with seatbelt laws. Secondary enforcement means that police may issue a fine for not wearing a seatbelt only if the vehicle has been stopped for other traffic violations. (2) Court awards for compensation for injury may be reduced if seatbelt laws were violated. (3) Secondary for rear seat occupants, ages vary. (4) Drivers fined additional $25 for themselves and for every unrestrained passenger age 12 to under 16 years old. (5) Primary enforcement for children; ages vary. Source: U.S. Department of Transportation, National Highway Traffic Safety Administration (NHTSA); Insurance Institute for Highway Safety.
State Laws Curbing Alcohol-Impaired Driving
View Full Table
(As of September 2019)
  Interlocks (1) required    
    To drive during post-conviction license suspension To reinstate license after conviction    
State To drive during ALS (2) (first offense) First offender Repeat offender First offender Repeat offender ALS (2) mandatory 90-day license suspension (3) Open container law (4)
Alabama (5) X X   X X X
Alaska X X X  X  X X  
Arizona     X X   X X X
Arkansas X X X     X X
California   X (6) X X (6) X (6) X X
Colorado X X X    X X X
Connecticut (5) (5) (5) X X X  
Delaware (5) X X X X X  
D.C.   X X       X
Florida   (7) X (7) X X X
Georgia     X   X X X
Hawaii X X X X X X X
Idaho     (5) X X X X
Illinois X   X   X X X
Indiana           X X
Iowa X X X   X X X
Kansas (5) (5) X X X   X
Kentucky (8) X X       X
Louisiana   X X        
Maine     X     X X
Maryland   X X X X X X
Massachusetts (5)   X   X X X
Michigan (8)   X   X   X
Minnesota (7) (7) X     X X
Mississippi X X X      X  
Missouri     X    X X  
Montana (8)         X X
Nebraska X X X X  X X X
Nevada X X X X X X X
New Hampshire (5) X (5)   X X X
New Jersey (8)   X X X   X
New Mexico X X X X X X X
New York (8) X X X X   X
North Carolina   (7) (5) (7) X   X
North Dakota           X X
Ohio     X     X X
Oklahoma X X X   X X X
Oregon   X X X X X X
Pennsylvania (8) (7) X (7) X   X
Rhode Island (8) X X   X   X
South Carolina (8) (7) (5) (7) X   X
South Dakota (8)           X
Tennessee (8) X X   X X X
Texas   X X   X X X
Utah   (5) (5) X X X X
Vermont X X X     X X
Virginia (5) X X   X    
Washington X X X X X X X
West Virginia X X X   X X X
Wisconsin           X X
Wyoming     X (7) X X  
(1) Ignition interlock devices analyze a driver's breath for alcohol and disable the ignition if a driver has been drinking. States identified mandate the devices on offenders' vehicles. (2) Administrative license suspension, on-the-spot drivers license suspension or revocation if blood alcohol concentration (BAC) is over the legal limit or the driver refuses to take a BAC test. (3) Mandatory penalty for violation of the implied consent law, which means that drivers who refuse to take a breath alcohol test when stopped or are arrested for alcohol-impaired driving or if BAC is over the legal limit will have their license revoked or suspended. (4) Prohibits unsealed alcohol containers and alcohol consumption in motor vehicle passenger compartments for all occupants. Counts only laws meeting federal requirements. (5) No option for driving during suspension. (6) In four counties. (7) State does not require interlocks except under certain conditions; see IIHS website. (8) State has no administrative license suspension for first test failure. Source: Insurance Institute for Highway Safety; Governors Highway Safety Association.
Statutes Or Court Cases Holding Alcoholic Beverage Servers Liable
View Full Table
(As of September 2019)
  Commercial servers Social hosts   Commercial servers Social hosts
State Statute (1) Court (2) Statute (3) Court State Statute (1) Court (2) Statute (3) Court
Alabama X   X X Montana X X X  
Alaska X   X   Nebraska     X  
Arizona X X X X Nevada     X (4)  
Arkansas X X     New Hampshire X   X X
California X   X   New Jersey X   X X
Colorado X X X   New Mexico X   X X
Connecticut X X   X (4, 5) New York X   X  
Delaware         North Carolina X X X X (4)
D.C.   X (4)     North Dakota X   X  
Florida X   X X Ohio X X X X (4)
Georgia X   X   Oklahoma   X    
Hawaii   X X   Oregon X X X  
Idaho X X X   Pennsylvania X X   X (4)
Illinois X   X X Rhode Island X      
Indiana X X X X South Carolina X X X X (4)
Iowa X X X X (4) South Dakota        
Kansas         Tennessee X      
Kentucky X X   X (4) Texas X X X X
Louisiana X X X X Utah X   X X
Maine X   X   Vermont X   X X
Maryland         Virginia        
Massachusetts X X X X Washington X X X X (4)
Michigan X   X X (4) West Virginia X X (4)    
Minnesota X   X X Wisconsin X X X X
Mississippi X X X X Wyoming X   X X (4)
Missouri X                
(1) Indicates some form of liability is permitted by statute. (2) States where common-law liability has not been specifically overruled by statute or where common-law actions are specifically recognized in addition to statutory liability. (3) Indicates that language is capable of being read broadly enough to include noncommercial servers. (4) For guests under the age of 21. (5) Only if host either purveyed or supplied alcohol. Source: American Property Casualty Insurers Association.
State Drivers License Renewal Laws Including Requirements For Older Drivers
View Full Table
(As of September 2019)
    Renewal for older drivers Proof of adequate vision required at renewal (1)  
State Length of regular renewal cycle (years) Length (years) Age Older drivers, age Age limits on mail or online renewal
Alabama 4        
Alaska 5     69 69
Arizona 12 5 65   (2)
Arkansas 8 4 or 8, personal option 70   (2)
California (3) 5     70 70
Colorado 5       66
Connecticut 8 2 65   (2)
Delaware 8       (2)
D.C. 8       70
Florida 8 6 80 80  
Georgia 8       64
Hawaii 8 2 72    
Idaho 4 or 8, personal option 4 63   70
Illinois 4 2 81 (4) 75 75
Indiana 6 3 75 (4) 75  
Iowa 8 2 72 70 70
Kansas 6 4 65   (2)
Kentucky 8       (2)
Louisiana 6     70 70
Maine 6 4 65 40 and 62 62
Maryland 8     40  
Massachusetts 5     75 75
Michigan 4        
Minnesota 4       (2)
Mississippi 4 or 8, personal option        
Missouri 6 3 70   (2)
Montana 8 4 75    
Nebraska 5     72 72
Nevada 8 4 65 71 65
New Hampshire 5        
New Jersey 4 2 or 4, personal option 70    
New Mexico 4 or 8, personal option 4 71 (4) 75 75
New York 8        
North Carolina 8 5 66    
North Dakota 6 4 78   65
Ohio 4       (2)
Oklahoma 4       (2)
Oregon 8     50 (2)
Pennsylvania 4 2 or 4, personal option 65    
Rhode Island 5 2 75    
South Carolina 8        
South Dakota 5     65  
Tennessee 8        
Texas 6 2 85 79 79
Utah 8     65  
Vermont 2 or 4        
Virginia 8 5 75 75 75
Washington 6       70
West Virginia 8        
Wisconsin 8       (2)
Wyoming 4        
(1) States noted in this column require proof of adequate vision for older drivers at the age shown at every renewal. Most states require all drivers to show proof at every renewal or every in-person renewal. Eight states (Alabama, Connecticut, Kentucky, Mississippi, Oklahoma, Pennsylvania, Tennessee and Vermont) do not require drivers to show proof of adequate vision at any age. (2) Online or mail renewal not permitted for all drivers. (3) Specifically requires doctors to report a diagnosis of dementia. (4) These states have special renewal requirements for other age groups: Illinois (1 year for drivers 87 and older); Indiana (2 years for drivers 85 and older); and New Mexico (1 year for drivers 79 and older). Note: Specific requirements vary by state; contact state departments of motor vehicles for more information. Source: Insurance Institute for Highway Safety; Governors Highway Safety Association.
State Young Driver Laws (1)
View Full Table
(As of March 2020)
  Graduated licensing  
     Intermediate phase  
State Learners permit required for a minimum period Restrictions on night driving (2) Passenger restrictions (3) Driver may not operate a cellphone in learner and/or intermediate stages (4)
Alabama 6 months X X Talk
Alaska 6 months X X  
Arizona 6 months X X  
Arkansas 6 months X X Talk
California 6 months X X Talk
Colorado 12 months X X Talk
Connecticut 6 months X X Talk
Delaware 6 months X X Talk
D.C. 6 months X X Talk
Florida 12 months X    
Georgia 12 months X X Talk
Hawaii 6 months X X Talk
Idaho 6 months X X  
Illinois 9 months X X Talk
Indiana 6 months X X  
Iowa 12 months X   Talk
Kansas 12 months X X Talk
Kentucky 6 months X X Talk
Louisiana 6 months X X Talk
Maine 6 months X X Talk
Maryland 9 months X X Talk
Massachusetts 6 months X X Talk
Michigan 6 months X X Talk
Minnesota 6 months X X Talk
Mississippi 12 months X    
Missouri 6 months X X Text
Montana 6 months X X  
Nebraska 6 months X X Talk
Nevada 6 months X X  
New Hampshire none (5) X X Talk
New Jersey 6 months X X Talk
New Mexico 6 months X X Talk
New York 6 months X X  
North Carolina 12 months X X Talk
North Dakota 6-12 months (6) X   Talk
Ohio 6 months X X Talk
Oklahoma 6 months X X Talk (7)
Oregon 6 months X X Talk
Pennsylvania 6 months X X  
Rhode Island 6 months X X Talk
South Carolina 6 months X X  
South Dakota 6 months X   Talk
Tennessee 6 months X X Talk
Texas 6 months X X Talk
Utah 6 months X X Talk
Vermont  12 months   X Talk
Virginia 9 months X X  
Washington 6 months X X Talk
West Virginia 6 months X X Talk
Wisconsin 6 months X X Talk
Wyoming 10 days X X  
(1) Designed to aid young novice drivers between the ages of 15 and 18 gain driving experience. To date they apply only to drivers under the age of 18. All states have lower blood alcohol content laws for drivers under 21, which range from none to 0.02 grams per deciliter, in contrast with 0.08 grams per deciliter for drivers over the age of 21 in most states. Includes graduated licensing as defined by the National Highway Traffic Safety Administration. Every state has a graduated licensing law. (2) Intermediate stage; varies by state with regard to age of driver, night hours that driving is restricted, who must accompany driver during night hours and how long and what stage the restrictions are lifted. Exceptions may be made for work, school or religious activities and emergencies. (3) Intermediate stage; limits the number of teenage passengers a young driver may have in the vehicle. (4) Only includes states with restrictions on the use of cellphones for talking or texting by young drivers. Does not reference cellphone laws such as bans on handheld cellphones that apply to all drivers in some states. (5) New Hampshire does not issue learners permits. (6) Under age 16: 12 months; 16-18: 6 months. (7) Banned for non-life threatening purposes. Source: Insurance Institute for Highway Safety.

Homeowners

High-Risk Markets

Insurance Provided By FAIR Plans By State, Fiscal Year 2018 (1)
View Full Table
 
  Number of policies    
State Habitational Commercial Total Exposure (2) ($000) Direct premiums written ($000)
California 119,570 3,980 123,550 $50,341,040 $82,271
Connecticut  1,804 62 1,866 342,145 2,560
Delaware 1,435 61 1,496 265,986 517
D.C. 188 20 208 66,416 200
Florida (3) 452,526 7,475 460,001 108,896,296 868,417
Georgia 1,709 553 2,262 2,391,323 20,805
Illinois 4,390 61 4,451 368,800 4,295
Indiana 1,183 34 1,217 142,000 2,533
Iowa 1,288 22 1,310 77,301 833
Kansas 15,307 160 15,467 970,470 8,384
Kentucky 8,419 357 8,776 471,336 5,039
Louisiana (3) 46,171 1,939 48,110 7,237,392 66,879
Maryland 1,250 47 1,297 363,040 885
Massachusetts 230,828 225 231,053 87,724,715 307,447
Michigan 18,040 251 18,291 2,340,600 13,124
Minnesota 5,079 37 5,116 223,627 3,547
Mississippi (4) 5,369 0 5,369 303,291 3,719
Missouri 2,488 70 2,558 168,794 1,703
New Jersey 11,911 314 12,225 1,687,616 7,737
New Mexico 10,897 263 11,160 80,651 4,929
New York 34,839 2,185 37,024 9,899,896 31,584
North Carolina 177,002 4,122 181,124 20,180,133 93,813
Ohio 17,309 344 17,653 4,365,000 15022
Oregon 1,948 56 2,004 259,991 831
Pennsylvania 13,484 1,088 14,572 1,440,383 6,206
Rhode Island 15,524 108 15,632 4,294,556 23,305
Texas (4) 104,165 0 104,165 15,285,508 95,882
Virginia 28,946 497 29,443 4,184,713 18,478
Washington 72 11 83 24,505 130
West Virginia 382 52 434 32,046 273
Wisconsin 5,481 90 5,571 335,711 2,767
Total 1,339,004 24,484 1,363,488 $324,765,281 $1,694,115
(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) The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high. 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, 2018
View Full Table
 
Rank State Number of claims Value of claims ($ millions) Average cost per claim
1 Florida 7,108 $74.2 $10,436
2 Georgia 5,539 52.2 9,430
3 California 4,909 137.1 27,932
4 Texas 4,559 67.6 14,819
5 Louisiana 3,553 22.7 6,377
6 North Carolina 3,119 36.1 11,561
7 Alabama 2,942 34.6 11,768
8 New York 2,938 31.9 10,873
9 Pennsylvania 2,590 30.0 11,572
10 Illinois  2,475 25.5 10,290
  Total, top 10 39,732 $511.8 $12,882
  Other states 38,166 397.1 10,405
  Total U.S. 77,898 $908.9 $11,668
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 Seven States By Insured Catastrophe Losses, 2018 (1)
View Full Table
($ millions)
Rank State Estimated insured loss Number of claims
1 California $15,094.9 87,050
2 Florida 7,860.6 202,000
3 North Carolina 4,962.1 433,775
4 Colorado 3,931.7 390,150
5 Texas 3,028.3 351,850
6 Georgia 2,150.9 166,150
7 Alabama 1,133.5 60,700
(1) Includes catastrophes causing insured property losses of at least $25 million 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, Tornadoes, Winter Storms, Floods, Earthquakes, Hail

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, 2018 (1)
View Full Table
 
State Tornadoes Fatalities Rank (2) State Tornadoes Fatalities Rank (2)
Alabama 52 0 5 Montana 10 0 31
Alaska 0 0 (3) Nebraska 37 0 13
Arizona 6 0 35 Nevada 4 0 37
Arkansas 33 1 17 New Hampshire 3 0 38
California 6 0 35 New Jersey 0 0 (3)
Colorado 39 0 12 New Mexico 10 0 31
Connecticut 8 0 33 New York 11 1 29
Delaware 0 0 (3) North Carolina 41 0 10
D.C. 0 0 (3) North Dakota 31 1 18
Florida 48 0 7 Ohio 17 0 25
Georgia 21 0 22 Oklahoma 24 0 21
Hawaii 0 0 (3) Oregon 3 0 38
Idaho 11 0 29 Pennsylvania 31 0 18
Illinois 64 0 4 Rhode Island 1 0 43
Indiana 16 0 26 South Carolina 16 0 26
Iowa 84 0 2 South Dakota 19 0 24
Kansas 45 0 9 Tennessee 20 1 23
Kentucky 41 1 10 Texas 52 0 5
Louisiana 86 1 1 Utah 2 0 40
Maine 0 0 (3) Vermont 0 0 (3)
Maryland 2 2 40 Virginia 34 1 16
Massachusetts 7 0 34 Washington 2 0 40
Michigan 13 0 28 West Virginia 1 0 43
Minnesota 36 0 14 Wisconsin 35 0 15
Mississippi 68 0 3 Wyoming 31 0 18
Missouri 48 1 7 United States (4) 1,169 10  
(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 2018. (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, 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)
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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
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  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
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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, 2018 (1)
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Rank State Accidents Deaths  People injured Property damage ($000)
1 Florida 607 57 297 $7,137
2 California 322 34 207 1,970
3 Texas 204 38 123 1,800
4 North Carolina 182 30 108 4,128
5 New York 143 20 93 974
6 South Carolina 130 16 80 1,089
7 Arizona 129 11 74 2,277
8 Ohio 126 17 55 2,921
9 Maryland 122 16 85 1,123
10 Missouri 122 14 99 1,274
(1) Includes accidents involving $2,000 or more in property damage. Includes motorboats, sailboats, and personal watercraft. Source: U.S. Department of Homeland Security, U.S. Coast Guard.
Top 10 States By Recreational Watercraft Theft, 2018
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Rank (1) State Thefts (2)
1 Florida 1,114
2 California 483
3 Texas 378
4 Louisiana 146
5 North Carolina 143
6 Washington 141
7 South Carolina 132
8 Alabama 131
9 Tennessee 127
9 Arkansas 127
(1) States with the same number of watercraft thefts receive the same rank. (2) Includes motorboats, sailboats, and personal watercraft such as Jet Skis. Source: National Insurance Crime Bureau.