A Firm Foundation: How Insurance Supports the Economy

A 50-State Commitment

Employment

Insurance Carriers And Related Activities Employment By State, 2016 (1)
State Number of employees State Number of employees
Alabama 38,273 Montana 8,750
Alaska 2,631 Nebraska 34,245
Arizona 66,331 Nevada 19,689
Arkansas 22,309 New Hampshire 18,256
California 322,897 New Jersey 101,714
Colorado 55,773 New Mexico 12,472
Connecticut 68,376 New York 197,257
Delaware 7,929 North Carolina 82,812
D.C. 4,130 North Dakota 10,573
Florida 219,494 Ohio 140,336
Georgia 107,238 Oklahoma 31,207
Hawaii 10,855 Oregon 33,589
Idaho 13,551 Pennsylvania 155,103
Illinois 153,401 Rhode Island 11,667
Indiana 63,602 South Carolina 42,923
Iowa 57,742 South Dakota 12,056
Kansas 38,081 Tennessee 64,285
Kentucky 44,137 Texas 279,553
Louisiana 36,538 Utah 27,814
Maine 13,798 Vermont 5,005
Maryland 48,924 Virginia 68,271
Massachusetts 83,230 Washington 55,243
Michigan 81,355 West Virginia 11,125
Minnesota 74,374 Wisconsin 80,794
Mississippi 19,005 Wyoming 3,474
Missouri 68,013 United States 3,230,200
(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 2017. Source: U.S. Department of Commerce, Bureau of Economic Analysis, Regional Economic Information System.
Insurance Carriers And Related Activities Compensation By State, 2015-2016
($000)
  Annual payroll   Annual payroll
State 2015 2016 State 2015 2016
Alabama $2,734,261 $2,696,884 Montana $456,693 $467,914
Alaska 171,738 173,967 Nebraska 2,232,920 2,307,113
Arizona 4,267,486 4,473,347 Nevada 1,162,414 1,198,597
Arkansas 1,099,691 1,172,658 New Hampshire 1,624,541 1,654,416
California 25,130,878 26,222,206 New Jersey 11,236,436 11,346,259
Colorado 4,026,842 4,195,570 New Mexico 671,890 699,622
Connecticut 8,949,030 8,842,446 New York 21,083,844 21,181,108
Delaware 686,717 640,467 North Carolina 5,316,582 5,646,668
D.C. 709,518 653,094 North Dakota 572,179 592,444
Florida 14,597,884 15,236,706 Ohio 10,233,625 10,560,166
Georgia 7,793,092 8,126,951 Oklahoma 1,733,975 1,730,734
Hawaii 649,807 671,792 Oregon 2,452,065 2,566,356
Idaho 650,640 708,961 Pennsylvania 12,856,173 12,661,514
Illinois 13,458,604 13,810,531 Rhode Island 1,001,407 995,112
Indiana 4,210,426 4,340,631 South Carolina 2,460,132 2,555,921
Iowa 4,136,349 4,410,475 South Dakota 597,047 612,120
Kansas 2,624,367 2,557,307 Tennessee 4,139,039 4,402,908
Kentucky 3,132,090 3,217,832 Texas 18,809,998 19,552,085
Louisiana 2,117,446 2,215,562 Utah 1,509,762 1,641,388
Maine 1,036,856 1,057,761 Vermont 380,410 391,796
Maryland 3,964,567 4,062,638 Virginia 4,947,402 5,016,549
Massachusetts 8,570,921 8,665,791 Washington 4,220,758 4,362,764
Michigan 5,341,763 5,594,724 West Virginia 556,532 565,492
Minnesota 7,936,193 6,888,441 Wisconsin 5,814,479 6,005,088
Mississippi 884,172 917,050 Wyoming 160,110 163,035
Missouri 4,708,249 4,833,039 United States $249,820,000 $255,264,000
Source: U.S. Department of Commerce, Bureau of Economic Analysis, Regional Economic Information System.

Premiums

Direct Premiums Written, P/C Insurance By State, 2016 (1)
($000)
State Total, all lines State Total, all lines
Alabama $8,045,184 Montana $2,265,841
Alaska 1,569,538 Nebraska 4,548,056
Arizona 10,205,525 Nevada 4,738,939
Arkansas 4,913,190 New Hampshire 2,382,162
California 73,120,822 New Jersey 20,815,571
Colorado 11,342,000 New Mexico 3,128,083
Connecticut 8,402,264 New York 44,956,856
Delaware 2,483,706 North Carolina 14,965,395
D.C. 1,802,509 North Dakota 2,421,828
Florida 47,096,213 Ohio 15,844,551
Georgia 18,274,822 Oklahoma 7,757,381
Hawaii 2,443,668 Oregon 6,567,727
Idaho 2,611,138 Pennsylvania 23,674,767
Illinois 24,323,955 Rhode Island 2,303,004
Indiana 10,784,168 South Carolina 8,884,059
Iowa 6,263,585 South Dakota 2,357,449
Kansas 6,216,793 Tennessee 10,855,903
Kentucky 7,101,340 Texas 51,072,549
Louisiana 11,069,569 Utah 4,381,671
Maine 2,206,032 Vermont 1,238,786
Maryland 11,271,411 Virginia 13,072,867
Massachusetts 14,376,714 Washington 11,205,781
Michigan 18,480,037 West Virginia 2,926,618
Minnesota 11,236,931 Wisconsin 10,271,958
Mississippi 4,972,499 Wyoming 1,101,787
Missouri 11,034,428 United States $605,387,631
(1) Before reinsurance transactions, includes state funds, excludes territories. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Life/Health Insurers Direct Premiums Written And Annuity Considerations By State, 2016 (1)
($ millions)
State Life insurance Annuities Accident and health insurance (2) Deposit-type contract funds Other considerations Total
Alabama $2,237 $2,813 $1,527 $284 $441 $7,301
Alaska 423 367 322 37 211 1,360
Arizona 2,312 4,617 4,078 340 1,676 13,023
Arkansas 1,182 1,417 993 83 306 3,982
California 16,158 23,614 13,754 2,800 8,744 65,070
Colorado 2,489 4,584 3,517 1,287 797 12,674
Connecticut 2,490 4,225 2,822 7,838 2,083 19,459
Delaware 1,179 2,703 616 52,358 394 57,251
D.C. 426 691 879 1,355 -3 3,348
Florida 9,343 17,990 12,924 1,467 4,835 46,559
Georgia 4,726 5,383 5,728 975 3,175 19,986
Hawaii 734 1,296 1,013 67 363 3,473
Idaho 567 883 616 61 220 2,348
Illinois 6,783 9,413 5,511 1,728 3,176 26,612
Indiana 2,738 5,808 4,156 1,595 913 15,210
Iowa 1,742 2,917 1,360 11,303 2,012 19,334
Kansas 1,398 2,148 3,375 1,528 442 8,890
Kentucky 1,570 2,435 1,654 286 1,306 7,252
Louisiana 2,357 3,368 2,033 246 598 8,602
Maine 466 1,033 895 94 218 2,707
Maryland 2,942 5,182 3,398 750 1,623 13,895
Massachusetts 3,632 7,462 3,227 853 3,235 18,408
Michigan 4,491 9,286 3,420 1,010 1,542 19,749
Minnesota 4,570 4,785 1,528 739 1,829 13,449
Mississippi 1,216 1,416 1,420 119 199 4,371
Missouri 2,717 6,152 3,957 867 1,132 14,825
Montana 351 510 346 37 132 1,377
Nebraska 1,087 1,582 1,324 297 455 4,746
Nevada 1,030 1,500 1,144 320 359 4,353
New Hampshire 610 1,987 668 293 1,216 4,774
New Jersey 6,133 10,532 6,154 1,625 2,684 27,128
New Mexico 679 984 830 83 425 3,001
New York 11,973 17,151 9,577 29,817 8,614 77,132
North Carolina 4,557 6,781 5,178 749 3,278 20,543
North Dakota 402 595 295 79 188 1,559
Ohio 5,033 9,773 7,154 4,230 2,486 28,677
Oklahoma 1,621 1,863 1,628 207 526 5,845
Oregon 1,232 2,431 1,815 286 1,158 6,923
Pennsylvania 6,368 12,736 6,624 7,639 4,285 37,652
Rhode Island 453 1,102 478 121 230 2,385
South Carolina 2,093 3,615 2,044 191 542 8,485
South Dakota 808 560 377 75 111 1,932
Tennessee 2,949 4,516 3,141 888 1,256 12,750
Texas 11,212 15,836 17,596 3,299 3,208 51,151
Utah 1,331 2,196 1,164 358 492 5,541
Vermont 254 560 359 53 171 1,396
Virginia 4,251 6,482 4,248 949 1,408 17,339
Washington 2,547 4,272 3,222 473 1,480 11,995
West Virginia 606 1,330 727 107 165 2,936
Wisconsin 2,574 4,752 3,570 701 1,253 12,850
Wyoming 271 433 340 21 60 1,126
United States (3) $151,314 $246,069 $164,728 $142,967 $77,651 $782,728
(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.
Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2016 (1)
($000)
  Private Passenger Auto Commercial Auto      
State Liability Coll./Comp. Liability Coll./Comp. Homeowners multiple peril Farmowners multiple peril Commercial Multiple peril
Alabama $1,650,128 $1,375,433 $323,313 $116,291 $1,661,374 $75,553 $566,890
Alaska 273,558 181,065 52,979 18,655 164,587 647 106,311
Arizona 2,621,148 1,751,908 383,930 104,167 1,556,537 16,505 615,540
Arkansas 954,325 823,592 235,408 107,100 879,492 27,836 326,586
California 14,230,363 11,025,139 2,796,781 762,295 7,704,251 206,932 4,651,407
Colorado 2,435,856 1,621,607 373,589 142,811 2,149,941 81,854 765,285
Connecticut 1,739,714 1,055,701 321,614 80,921 1,451,477 6,275 638,173
Delaware 550,394 251,612 100,354 21,250 254,038 6,249 326,360
D.C. 176,589 148,649 44,090 8,116 155,952 0 163,312
Florida 12,523,509 4,809,845 1,948,499 357,567 8,805,972 22,820 2,141,135
Georgia 4,755,321 2,816,667 804,554 215,526 2,960,464 117,620 1,003,287
Hawaii 422,448 300,101 89,854 23,530 372,556 48 178,658
Idaho 500,986 362,649 108,891 55,337 334,690 61,142 202,421
Illinois 3,920,644 3,108,241 1,048,595 330,445 3,486,799 172,468 1,713,354
Indiana 2,006,092 1,500,407 454,375 197,320 1,877,551 197,421 824,106
Iowa 809,028 841,360 222,308 154,015 764,526 203,944 376,220
Kansas 877,342 848,266 184,167 127,096 1,131,064 237,318 380,611
Kentucky 1,828,239 977,626 296,398 105,742 1,137,067 159,758 511,248
Louisiana 2,618,527 1,517,697 550,054 104,374 1,853,623 13,523 507,897
Maine 379,294 320,264 97,025 42,294 406,168 4,922 232,789
Maryland 2,764,226 1,860,368 441,615 122,049 1,691,101 27,938 637,851
Massachusetts 2,777,008 2,147,729 619,129 215,388 2,278,562 3,401 1,141,206
Michigan 5,310,266 3,151,876 637,433 310,682 2,714,508 144,785 1,076,839
Minnesota 1,942,010 1,470,450 354,554 190,839 2,055,471 146,014 715,665
Mississippi 954,105 806,075 252,614 86,347 960,348 22,289 319,657
Missouri 1,995,379 1,611,212 407,596 174,415 1,968,443 174,750 773,749
Montana 353,458 315,055 95,621 59,441 313,983 68,176 175,481
Nebraska 621,969 545,166 143,163 114,410 691,252 226,944 268,857
Nevada 1,470,019 659,809 225,174 38,756 558,814 8,053 317,556
New Hampshire 410,517 396,029 94,112 36,020 395,772 3,134 238,124
New Jersey 5,063,861 2,311,963 1,098,626 208,337 2,618,481 2,846 1,430,887
New Mexico 802,045 482,385 136,059 46,580 500,393 25,212 224,076
New York 8,098,580 4,535,401 2,064,153 347,854 5,250,251 41,687 3,772,530
North Carolina 2,897,130 2,646,570 606,965 193,594 2,461,554 60,026 948,315
North Dakota 205,425 248,951 82,623 66,812 202,600 117,539 136,048
Ohio 3,505,893 2,797,255 669,943 261,831 2,815,711 167,333 1,246,903
Oklahoma 1,380,153 1,135,689 307,606 138,921 1,607,498 157,168 519,914
Oregon 1,839,649 807,785 266,179 81,994 779,801 66,267 473,559
Pennsylvania 4,633,552 3,636,774 1,018,230 391,704 3,281,102 105,177 1,728,326
Rhode Island 573,364 294,195 82,106 21,529 382,840 344 153,789
South Carolina 2,212,668 1,371,250 309,560 98,140 1,641,208 13,437 479,677
South Dakota 237,268 271,301 67,265 53,640 233,544 120,602 132,750
Tennessee 2,077,886 1,691,765 409,801 197,644 1,951,466 145,904 706,752
Texas 10,694,899 8,485,917 2,370,330 740,637 8,474,799 296,726 2,662,647
Utah 1,078,511 645,420 194,352 71,633 504,191 14,214 266,020
Vermont 178,412 181,583 42,929 23,933 194,307 15,069 137,713
Virginia 2,888,995 2,231,906 499,164 162,258 2,153,594 75,990 786,014
Washington 3,169,525 1,611,091 455,874 143,671 1,645,738 74,827 814,613
West Virginia 680,469 529,403 132,866 43,153 432,957 14,999 198,266
Wisconsin 1,640,620 1,310,091 380,197 180,272 1,379,295 179,413 703,211
Wyoming 174,405 199,764 52,512 30,238 193,836 29,406 97,490
United States $127,905,771 $86,028,056 $24,955,133 $7,927,574 $91,441,547 $4,162,503 $39,516,077
(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, 2016 (1) (Cont'd)
($000)
State Workers compensation Excess workers compensation Medical malpractice Product liability Other liability Fire Allied lines
Alabama $360,838 $21,732 $116,183 $30,613 $604,414 $192,571 $183,882
Alaska 268,052 3,794 23,480 4,400 139,752 47,593 29,159
Arizona 859,161 13,171 215,921 40,930 850,116 130,048 119,313
Arkansas 249,254 8,501 64,137 18,517 338,396 146,841 114,492
California 12,960,736 243,589 756,925 485,303 7,439,521 1,198,459 751,567
Colorado 1,065,344 14,197 152,112 63,576 1,124,429 144,361 163,820
Connecticut 873,331 23,877 171,555 46,009 1,010,479 134,101 117,327
Delaware 206,232 1,689 32,760 11,366 366,268 23,388 22,738
D.C. 158,175 2,489 26,989 5,714 358,247 35,813 27,294
Florida 2,802,317 60,622 594,491 215,734 4,899,231 1,242,358 2,272,458
Georgia 1,524,764 38,833 235,901 84,011 1,513,473 314,483 261,163
Hawaii 279,199 5,322 28,412 10,179 281,841 70,200 92,404
Idaho 390,827 11,611 31,246 12,960 192,524 31,557 24,888
Illinois 2,720,458 62,476 474,192 154,306 3,548,049 364,043 292,374
Indiana 876,183 13,571 113,765 83,882 853,409 236,898 145,800
Iowa 762,853 11,576 66,967 43,542 563,532 115,275 111,977
Kansas 435,002 10,666 63,128 37,498 423,363 102,058 142,797
Kentucky 508,096 18,560 103,601 26,555 462,893 119,901 99,022
Louisiana 813,831 44,665 94,683 38,110 860,100 344,208 429,661
Maine 224,041 3,401 45,221 8,637 163,348 42,331 40,517
Maryland 979,503 12,890 283,621 44,820 1,075,345 149,204 120,829
Massachusetts 1,222,865 23,627 314,337 102,013 1,774,257 306,281 216,284
Michigan 1,150,349 34,892 186,117 90,951 1,215,257 311,808 165,875
Minnesota 1,036,071 1,226 78,627 85,927 1,048,568 184,277 287,897
Mississippi 354,450 11,092 47,675 17,608 306,756 124,578 122,959
Missouri 933,616 32,212 143,206 53,944 981,824 200,286 174,021
Montana 287,361 5,506 37,378 10,606 159,627 30,077 30,483
Nebraska 384,904 6,842 31,724 22,686 336,992 61,829 73,990
Nevada 371,244 19,901 69,759 22,001 417,049 76,018 65,910
New Hampshire 259,262 3,632 64,685 11,321 189,564 36,845 29,238
New Jersey 2,494,825 36,451 417,398 195,797 2,417,708 372,713 326,795
New Mexico 269,112 6,674 52,429 9,552 206,985 45,215 40,453
New York 5,893,911 60,060 1,629,018 294,620 7,452,759 841,224 630,079
North Carolina 1,493,077 26,520 163,948 84,339 1,187,276 284,722 296,809
North Dakota 6,389 0 9,588 11,532 162,127 35,706 38,260
Ohio 21,012 77,643 230,992 107,089 1,574,516 361,842 226,962
Oklahoma 692,555 14,971 94,743 35,522 586,812 162,570 181,432
Oregon 707,430 12,583 91,826 40,631 517,420 88,419 67,607
Pennsylvania 2,668,868 44,147 683,902 142,763 2,510,825 433,045 296,295
Rhode Island 226,916 1,623 29,011 10,869 224,203 43,659 39,612
South Carolina 782,395 10,588 64,584 44,801 534,597 213,122 168,436
South Dakota 177,474 1,647 15,209 11,144 122,543 28,903 27,261
Tennessee 873,188 19,675 208,516 56,304 936,358 249,935 187,716
Texas 2,364,887 28,564 305,093 274,194 4,835,410 1,589,847 1,755,450
Utah 441,901 4,137 59,303 28,311 395,548 83,723 44,956
Vermont 200,346 1,450 17,078 6,220 101,338 22,305 14,549
Virginia 1,020,917 28,525 187,621 52,725 1,260,848 211,204 177,301
Washington 24,481 31,965 156,826 62,642 1,121,011 186,008 127,984
West Virginia 262,260 3,698 62,836 10,985 246,387 59,710 36,140
Wisconsin 2,004,583 9,727 76,378 81,447 982,051 164,934 141,178
Wyoming 4,321 209 23,767 4,201 92,905 19,165 17,945
United States $57,949,164 $1,187,018 $9,248,862 $3,449,409 $60,968,253 $12,015,663 $11,573,355
(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, 2016 (1) (Cont'd)
($000)
State Inland marine Ocean marine Surety Fidelity Burglary and theft Boiler and machinery Financial guaranty
Alabama $297,538 $36,388 $66,318 $13,514 $3,292 $27,076 $2,848
Alaska 83,517 34,606 28,021 2,341 693 8,543 420
Arizona 329,388 18,443 99,482 12,986 4,429 24,366 1,741
Arkansas 219,909 18,518 34,440 10,378 2,369 15,387 4,962
California 2,691,799 278,951 759,898 124,105 35,472 137,817 47,699
Colorado 384,657 14,214 118,757 24,216 5,282 21,546 5,301
Connecticut 317,007 51,061 61,613 25,134 5,080 18,333 2,659
Delaware 78,388 7,978 21,545 3,836 1,491 3,911 17,908
D.C. 128,921 4,121 136,392 14,013 2,889 5,743 139
Florida 1,281,535 317,726 361,632 64,152 18,550 68,364 5,521
Georgia 633,385 61,012 151,440 32,441 8,498 40,934 687
Hawaii 100,410 15,272 55,551 4,490 732 5,612 3,942
Idaho 87,968 6,012 19,917 3,099 663 8,073 0
Illinois 773,196 90,032 173,896 64,748 15,557 67,619 15,873
Indiana 328,853 25,897 87,415 18,828 4,432 39,277 1,692
Iowa 218,447 7,343 45,358 13,767 2,484 23,173 3,324
Kansas 185,697 8,668 48,402 12,142 2,197 19,323 1,762
Kentucky 243,170 23,467 80,125 10,296 2,417 27,820 2,841
Louisiana 406,170 162,086 112,147 13,128 4,132 31,273 3,308
Maine 71,201 26,548 16,296 3,923 742 7,794 304
Maryland 360,307 97,193 179,492 27,217 5,276 25,592 6,556
Massachusetts 504,101 82,789 129,998 43,249 8,697 38,276 5,627
Michigan 474,400 50,722 88,987 34,529 8,454 56,623 2,519
Minnesota 342,933 25,823 90,550 29,403 5,441 35,998 4,336
Mississippi 181,375 15,574 41,759 7,971 1,932 14,206 740
Missouri 382,841 35,790 75,277 24,553 5,534 29,763 5,960
Montana 62,392 2,902 28,271 3,223 579 6,023 0
Nebraska 113,783 5,766 36,545 8,680 1,532 13,922 1,359
Nevada 162,970 6,351 72,514 7,335 2,318 10,786 372
New Hampshire 88,810 11,495 17,334 4,422 1,019 5,607 301
Hew Jersey 711,382 133,345 161,225 44,840 10,009 47,464 7,470
New Mexico 102,699 2,887 45,278 3,921 719 7,585 1,198
New York 1,520,378 395,393 399,339 146,386 31,923 120,346 208,875
North Carolina 600,471 66,839 136,349 41,411 5,986 44,884 1,590
North Dakota 70,602 1,449 24,422 3,200 453 13,389 67
Ohio 617,105 51,850 133,283 41,895 12,140 57,560 3,696
Oklahoma 236,046 16,419 65,440 11,381 2,413 19,736 272
Oregon 252,064 33,251 63,795 10,683 2,729 18,327 513
Pennsylvania 756,304 59,114 216,865 51,657 11,915 75,020 19,700
Rhode Island 76,343 34,624 14,368 4,179 886 5,156 111
South Carolina 332,721 29,864 84,735 10,122 2,720 21,993 1,130
South Dakota 59,876 1,255 20,239 3,323 511 6,492 27
Tennessee 402,684 52,447 90,568 18,819 5,848 31,294 136
Texas 2,016,286 293,589 563,080 76,895 25,414 128,337 14,502
Utah 168,028 10,373 66,051 6,709 1,886 9,206 970
Vermont 43,865 3,877 8,195 2,824 402 4,947 1,091
Virginia 454,044 69,946 175,784 32,579 7,543 30,384 3,568
Washington 489,772 126,842 149,621 18,955 5,243 31,126 1,070
West Virginia 72,570 3,677 42,654 4,367 726 7,570 463
Wisconsin 285,561 36,665 61,341 23,508 5,111 40,764 1,559
Wyoming 44,602 983 40,001 1,528 304 6,714 0
United States $20,848,472 $2,967,439 $5,802,008 $1,221,302 $297,067 $1,567,074 $418,710
(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, 2016 (1) (Cont'd)
($000)
State Aircraft Earthquake Federal flood Credit Warranty Accident and health
Alabama $15,548 $7,420 $26,967 $27,759 $9,681 $76,282
Alaska 30,963 25,554 1,705 5,974 608 13,027
Arizona 44,505 8,781 16,889 22,291 16,694 84,100
Arkansas 22,909 31,365 10,601 12,243 5,794 56,790
California 142,177 1,621,988 154,471 165,601 192,261 470,481
Colorado 40,733 8,935 14,281 16,691 18,517 72,676
Connecticut 29,124 6,799 46,223 32,617 11,400 44,384
Delaware 11,820 1,070 15,275 12,358 11,572 90,854
D.C. 2,328 2,316 985 56,361 44 103,955
Florida 103,010 22,175 822,361 114,834 468,934 201,216
Georgia 68,521 12,303 51,378 41,393 36,007 143,583
Hawaii 8,858 10,924 34,033 6,061 3,065 12,831
Idaho 11,385 3,818 3,430 3,115 4,100 20,748
Illinois 66,190 64,575 28,858 67,562 204,654 303,076
Indiana 18,662 35,805 16,425 27,050 38,564 293,885
Iowa 11,966 4,133 10,395 14,548 7,337 78,523
Kansas 19,585 6,933 6,348 12,880 158,083 61,623
Kentucky 6,886 41,443 15,323 34,060 15,065 48,257
Louisiana 32,739 5,354 252,369 24,504 6,379 60,143
Maine 3,861 1,907 7,798 7,491 3,965 12,961
Maryland 24,364 10,139 31,153 18,378 27,117 70,563
Massachusetts 15,281 21,613 66,420 36,469 38,278 87,407
Michigan 25,787 6,838 15,866 70,268 552,116 213,389
Minnesota 28,181 4,866 6,562 16,588 41,807 135,448
Mississippi 11,565 16,388 32,739 18,655 4,282 62,713
Missouri 26,590 90,652 16,260 27,450 39,285 167,459
Montana 10,669 4,651 2,582 1,212 1,172 31,845
Nebraska 12,718 2,253 7,166 5,716 4,401 72,863
Nevada 23,008 20,884 6,589 5,073 8,722 29,275
New Hampshire 6,041 2,629 7,407 5,622 6,318 21,922
New Jersey 14,269 21,438 193,468 76,446 27,833 164,255
New Mexico 5,786 2,303 8,596 4,792 4,599 20,127
New York 44,218 48,859 171,582 183,021 56,615 428,487
North Carolina 31,369 11,539 89,411 38,261 47,067 134,901
North Dakota 7,937 500 5,509 552 1,235 6,827
Ohio 53,236 26,884 26,203 44,922 48,800 198,941
Oklahoma 17,862 23,803 8,484 20,777 15,089 64,899
Oregon 24,853 81,900 19,187 15,958 5,231 60,033
Pennsylvania 32,956 15,800 52,264 64,620 79,164 379,987
Rhode Island 11,313 2,083 17,459 3,913 1,909 23,314
South Carolina 12,315 41,437 112,117 21,506 9,010 92,232
South Dakota 6,705 483 3,174 1,820 1,722 19,007
Tennessee 26,778 80,555 19,372 35,404 12,230 158,081
Texas 162,213 27,835 293,117 267,641 377,272 537,681
Utah 24,668 45,219 1,985 10,900 29,515 71,238
Vermont 1,568 882 4,800 2,067 5,259 7,757
Virginia 42,481 15,709 60,266 24,690 24,704 136,461
Washington 37,753 165,309 28,186 28,330 50,747 76,640
West Virginia 2,920 1,319 12,690 4,885 3,548 34,972
Wisconsin 18,536 4,199 9,572 19,031 31,081 155,306
Wyoming 5,053 2,969 1,218 757 641 22,606
United States $1,460,760 $2,725,535 $2,867,513 $1,781,116 $2,769,494 $5,936,033
(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, 2016 (1) (Cont'd)
($000)
State Multiple peril crop Private crop Mortgage guaranty Misc. Private flood
Alabama $60,223 $675 $63,373 $28,061 $3,005
Alaska 72 0 17,640 1,267 555
Arizona 85,066 2,905 124,651 24,153 6,260
Arkansas 115,291 15,691 31,524 8,932 1,608
California 466,846 14,849 459,017 95,340 48,786
Colorado 140,317 14,383 122,483 15,493 4,736
Connecticut 5,162 4 63,867 4,456 6,788
Delaware 8,747 97 20,760 658 740
D.C. 0 0 30,364 679 1,829
Florida 92,342 449 284,405 124,655 47,796
Georgia 130,938 2,443 174,390 32,449 6,953
Hawaii 1,543 0 20,172 2,270 3,150
Idaho 64,276 15,076 34,059 2,826 843
Illinois 616,005 99,019 228,010 38,870 9,771
Indiana 312,001 34,515 101,404 12,848 5,835
Iowa 589,209 123,188 49,792 6,736 6,739
Kansas 554,831 63,317 44,979 6,126 3,520
Kentucky 138,760 7,579 40,162 5,329 3,636
Louisiana 71,541 3,092 60,853 17,903 11,495
Maine 10,363 0 17,418 1,757 1,449
Maryland 29,264 85 132,464 11,887 3,005
Massachusetts 2,590 0 126,005 18,847 8,980
Michigan 144,997 8,086 180,821 40,883 3,112
Minnesota 587,472 106,536 148,944 24,066 4,382
Mississippi 120,920 3,529 25,900 22,151 3,546
Missouri 347,963 24,967 89,006 14,816 5,611
Montana 139,595 9,817 15,838 2,271 546
Nebraska 494,758 197,555 28,989 7,503 1,820
Nevada 6,998 0 50,009 3,232 2,440
New Hampshire 822 0 29,172 3,471 1,517
New Jersey 3,963 968 147,640 35,833 17,035
New Mexico 32,053 2,680 27,345 7,681 663
New York 54,995 65 168,238 38,589 27,419
North Carolina 172,635 7,495 156,227 22,198 5,916
North Dakota 853,476 94,438 11,917 1,221 1,033
Ohio 226,556 18,136 162,618 50,170 5,628
Oklahoma 170,989 12,132 42,473 11,867 1,747
Oregon 39,134 2,705 74,079 19,226 2,910
Pennsylvania 58,676 145 176,933 35,696 13,241
Rhode Island 25 0 18,280 3,696 1,287
South Carolina 66,957 119 79,067 10,917 10,633
South Dakota 665,342 53,020 11,717 1,611 573
Tennessee 93,649 3,581 90,389 15,216 5,939
Texas 793,916 63,587 387,031 132,983 31,771
Utah 3,991 107 86,373 11,178 1,050
Vermont 2,445 0 10,219 1,057 297
Virginia 64,544 2,761 165,451 20,166 4,727
Washington 157,051 18,158 160,358 24,756 9,609
West Virginia 2,060 1 13,199 3,250 1,614
Wisconsin 212,345 15,593 105,648 10,440 2,300
Wyoming 17,600 2,721 12,555 657 714
United States $9,031,316 $1,046,270 $4,924,229 $1,038,347 $356,562
(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Surplus Lines

Gross Surplus Lines Premiums By State, 2016 (1)
($ millions)
State Total all lines
Alabama $552.1
Alaska 121.6
Arizona 479.2
Arkansas 230.6
California 8,224.6
Colorado 749.8
Connecticut 552.3
Delaware 119.8
D.C. 244.8
Florida 4,952.1
Georgia 1,087.4
Hawaii 252.9
Idaho 101.5
Illinois 1,406.2
Indiana 475.3
Iowa 278.9
Kansas 213.6
Kentucky 205.9
Louisiana 1,381.2
Maine 99.6
Maryland 460.9
Massachusetts 952.6
Michigan N/A
Minnesota 450.5
Mississippi 386.4
Missouri 626.3
Montana 91.4
Nebraska 152.7
Nevada 273.6
New Hampshire 91.8
New Jersey 1,614.0
New Mexico 99.5
New York 3,722.0
North Carolina 625.7
North Dakota 94.9
Ohio 747.8
Oklahoma 362.3
Oregon 328.4
Pennsylvania 1,214.8
Rhode Island 165.9
South Carolina 391.6
South Dakota 58.3
Tennessee 588.3
Texas 5,285.2
Utah 227.8
Vermont 65.8
Virginia N/A
Washington 824.7
West Virginia 113.5
Wisconsin 340.9
Wyoming 55.9
United States $42,143.0
(1) Business Insurance survey. N/A=Data not available. Source: Business Insurance (www.businessinsurance.com), September, 2017.

Gross State Product

Gross State Product (GSP), Insurance Carriers And Related Activities, 2014-2015
($ millions)
State 2014 2015 As a percent of 2015 total GSP
Alabama $3,967 $4,119 2.06%
Alaska 371 354 0.66
Arizona 6,737 7,311 2.51
Arkansas 1,899 2,059 1.73
California 34,105 35,335 1.42
Colorado 5,703 5,962 1.90
Connecticut 16,747 17,624 6.88
Delaware 8,961 9,295 13.50
D.C. 1,394 1,507 1.24
Florida 23,148 24,861 2.81
Georgia 10,963 11,275 2.25
Hawaii 1,393 1,442 1.79
Idaho 1,012 1,078 1.65
Illinois 32,648 34,086 4.41
Indiana 12,126 12,123 3.64
Iowa 13,572 15,545 8.84
Kansas 4,658 4,453 2.93
Kentucky 4,891 5,316 2.77
Louisiana 4,008 4,094 1.72
Maine 1,767 1,864 3.25
Maryland 8,182 8,172 2.23
Massachusetts 13,558 15,116 3.10
Michigan 12,197 13,545 2.88
Minnesota 12,796 12,912 3.95
Mississippi 1,771 1,880 1.78
Missouri 7,998 8,140 2.78
Montana 694 690 1.51
Nebraska 6,883 7,368 6.49
Nevada 2,017 2,536 1.80
New Hampshire 3,986 3,906 5.26
New Jersey 14,917 16,610 2.94
New Mexico 1,272 1,284 1.38
New York 46,638 49,085 3.40
North Carolina 8,081 8,517 1.70
North Dakota 1,159 1,156 2.07
Ohio 21,985 23,131 3.81
Oklahoma 3,082 3,122 1.66
Oregon 4,021 4,159 1.92
Pennsylvania 23,486 23,821 3.36
Rhode Island 2,663 2,514 4.52
South Carolina 4,225 4,291 2.13
South Dakota 1,063 1,088 2.31
Tennessee 7,447 7,845 2.48
Texas 31,829 33,904 2.10
Utah 2,394 2,534 1.70
Vermont 1,124 1,176 3.88
Virginia 7,158 7,329 1.52
Washington 6,569 6,838 1.53
West Virginia 1,206 1,202 1.64
Wisconsin 14,921 15,408 5.11
Wyoming 275 291 0.74
United States $410,277 $450,336 2.51%
Note: Last updated: May 11, 2017. Source: U.S. Department of Commerce, Bureau of Economic Analysis.

State Taxes

Premium Taxes By State, Property/Casualty And Life/Health Insurance, 2016
($000)
State Amount State Amount
Alabama  $317,657 Montana $98,463
Alaska 64,400 Nebraska 65,465
Arizona 545,124 Nevada 310,223
Arkansas 192,020 New Hampshire 113,473
California 2,561,932 New Jersey  605,447
Colorado 277,647 New Mexico 214,688
Connecticut 208,895 New York  1,539,422
Delaware 96,279 North Carolina 503,407
D.C. 106,887 North Dakota 65,113
Florida 705,400 Ohio 579,408
Georgia 428,700 Oklahoma  322,604 
Hawaii 157,900 Oregon 86,283
Idaho 87,727 Pennsylvania 820,513
Ilinois 424,959 Rhode Island 113,993
Indiana 235,024 South Carolina 246,059
Iowa 119,571 South Dakota 86,879
Kansas 305,631 Tennessee 885,037
Kentucky 145,250 Texas 2,171,362
Louisiana 518,906 Utah 133,157
Maine 102,528 Vermont 59,055
Maryland 552,526 Virginia 491,495
Massachusetts 406,796 Washington 534,663
Michigan 328,138 West Virginia 158,315
Minnesota 457,876 Wisconsin 196,543
Mississippi 317,659 Wyoming 27,991
Missouri 400,734 United States $20,495,224
Source: U.S. Department of Commerce, Bureau of the Census.

Insurance Companies By State

Domestic Insurance Companies By State, Property/Casualty And Life/Annuities, 2016
 
State Property/casualty Life/annuities State Property/casualty Life/annuities
Alabama 19 6 Montana 14 1
Alaska 5 0 Nebraska 34 31
Arizona 41 24 Nevada 11 3
Arkansas 11 25 New Hampshire 50 1
California 100 14 New Jersey 68 3
Colorado 10 11 New Mexico 15 1
Connecticut 69 27 New York 173 80
Delaware 99 28 North Carolina 58 10
D.C. 6 0 North Dakota 12 3
Florida 118 9 Ohio 138 37
Georgia 23 12 Oklahoma 29 24
Hawaii 17 3 Oregon 18 3
Idaho 8 1 Pennsylvania 180 26
Illinois 191 53 Rhode Island 20 2
Indiana 67 27 South Carolina 21 7
Iowa 72 38 South Dakota 16 2
Kansas 25 11 Tennessee 15 13
Kentucky 6 7 Texas 199 121
Louisiana 32 37 Utah 10 17
Maine 9 2 Vermont 12 1
Maryland 32 4 Virginia 19 3
Massachusetts 49 17 Washington 8 7
Michigan 68 22 West Virginia 19 1
Minnesota 39 10 Wisconsin 170 18
Mississippi 15 15 Wyoming 2 0
Missouri 45 25 United States (1) 2,487 843
(1) Excludes territories. Excludes health insurers, risk retention groups, fraternals, title and other insurers. Source: Insurance Department Resources Report, 2017, published by the National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.
Regulated Insurance Entities By State, 2016
State Domestic insurers (1) Licensed out-of-state insurers (2) Chartered self-insured groups or pools Chartered purchasing groups All companies doing business in state (3)
Alabama 38 1,390 0 9 1,437
Alaska 7 759 0 2 768
Arizona 114 1,576 25 23 1,738
Arkansas 52 1,488 0 1 1,541
California 135 1,107 0 44 1,286
Colorado 46 1,453 9 40 1,548
Connecticut 106 1,206 0 26 1,338
Delaware 144 1,322 0 110 1,576
D.C. 51 1,341 0 16 1,408
Florida 439 1,611 11 50 2,111
Georgia 88 1,579 21 0 1,688
Hawaii 46 1,058 12 7 1,123
Idaho 15 1,389 12 1 1,417
Illinois 339 1,389 12 151 1,891
Indiana 152 1,615 15 20 1,802
Iowa 221 1,375 3 0 1,599
Kansas 46 1,507 17 14 1,584
Kentucky 53 1,479 12 11 1,555
Louisiana 108 1,473 22 2 1,605
Maine 15 1,132 18 1 1,166
Maryland 61 1,474 5 16 1,556
Massachusetts 83 1,297 25 6 1,411
Michigan 132 1,391 16 11 1,550
Minnesota 154 1,351 18 20 1,543
Mississippi 41 1,468 0 2 1,511
Missouri 177 1,482 11 6 1,676
Montana 43 1,371 0 5 1,419
Nebraska 102 1,434 6 5 1,547
Nevada 55 1,493 9 4 1,561
New Hampshire 59 1,103 0 0 1,162
New Jersey 119 1,304 50 33 1,506
New Mexico 26 1,426 5 0 1,457
New York 580 1,165 11 76 1,832
North Carolina 79 1,423 3 0 1,505
North Dakota 30 1,344 2 2 1,378
Ohio 245 1,485 0 23 1,753
Oklahoma 78 1,453 3 5 1,539
Oregon 49 1,450 0 7 1,506
Pennsylvania 270 1,539 15 30 1,854
Rhode Island 26 1,277 1 23 1,327
South Carolina 76 1,552 0 10 1,638
South Dakota 37 1,382 0 0 1,419
Tennessee 69 1,436 8 6 1,519
Texas 401 1,546 6 54 2,007
Utah 88 1,633 0 11 1,732
Vermont 115 1,659 0 5 1,779
Virginia 65 1,507 16 19 1,607
Washington 36 1,409 0 7 1,452
West Virginia 29 1,364 1 2 1,396
Wisconsin 326 1,547 0 7 1,880
Wyoming 5 1,372 0 1 1,378
Total U.S. (3) 5,977 (4) 400 924 7,301
(1) Insurers that are domiciled in the state. Includes property/casualty, life/annuities, health, fraternal, title, risk retention groups and "other". (2) This category is comprised of insurers designated by the NAIC as "foreign insurers"—i.e., insurers whose state of domicile is other than the state in which it is writing business.  There is no total in this column to avoid double counting—i.e., insurers are only included in the figures for states in which they are domiciled. (3) Totals include U.S. territories and possessions. (4) No totals shown, so as to avoid double counting.  Totals reflect insurers physically located in the state. Source: Insurance Department Resources Report, 2016, published by the National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.

Catastrophes By State

Estimated Value Of Insured Coastal Properties Vulnerable To Hurricanes By State, 2015 (1)
($ billions)
Rank State Commercial Residential Total Coastal Total exposure (2) Coastal as a percent of total
1 New York $2,093.0 $1,272.0 $3,365.0 $5,571.0 68%
2 Florida 1,483.0 1,718.0 3,200.0 4,058.0 79
3 Virginia 92.0 106.0 1,993.0 2,078.0 10
4 Texas 725.0 638.0 1,363.0 5,358.0 28
5 Massachusetts 441.0 511.0 953.0 1,765.0 54
6 New Jersey 373.0 422.0 795.0 2,453.0 32
7 Connecticut 290.0 385.0 675.0 1,025.0 64
8 Louisiana 182.0 147.0 329.0 896.0 38
9 South Carolina 112.0 126.0 239.0 931.0 26
10 Maine 73.0 111.0 184.0 321.0 53
11 North Carolina 69.0 109.0 178.0 2,014.0 8
12 Alabama 63.0 65.0 128.0 1,014.0 13
13 Georgia 53.0 56.0 109.0 2,171.0 5
14 Delaware 34.0 59.0 93.0 241.0 29
15 New Hampshire 32.0 42.0 74.0 328.0 23
16 Mississippi 36.0 35.0 71.0 527.0 14
17 Rhode Island 25.0 46.0 71.0 241.0 22
18 Maryland 8.0 10.0 18.0 1,476.0 1
  All states shown $6,184.0 $5,858.0 $13,838.0 $32,468.0 38%
  Total, United States $6,184.0 $5,858.0 $13,838.0 NA 16%
(1) Includes residential and commercial Gulf and East Coast properties, as of December 31, 2015. Ranked by value of total insured coastal property. (2) Total exposure is an estimate of the actual total value of all property in the state that is insured or can be insured, including the full replacement value of structures and their contents, additional living expenses and the time value of business interruption coverage. Source: AIR Worldwide.
Tornadoes And Related Deaths By State, 2016 (1)
State Tornadoes Fatalities Rank (2) State Tornadoes Fatalities Rank (2)
Alabama 87 4 3 Montana 4 0 30
Alaska 0 0 (3) Nebraska 47 0 8
Arizona 3 0 32 Nevada 0 0 (3)
Arkansas 23 0 18 New Hampshire 2 0 36
California 7 0 27 New Jersey 2 0 36
Colorado 45 0 10 New Mexico 3 0 32
Connecticut 0 0 (3) New York 1 0 41
D.C. 0 0 (3) North Carolina 16 0 20
Delaware 0 0 (3) North Dakota 32 0 13
Florida 48 2 7 Ohio 31 0 15
Georgia 27 0 17 Oklahoma 55 2 5
Hawaii 0 0 (3) Oregon 4 0 30
Idaho 1 0 41 Pennsylvania 9 0 26
Illinois 50 0 6 Rhode Island 0 0 (3)
Indiana 40 0 12 South Carolina 3 0 32
Iowa 46 0 9 South Dakota 16 0 20
Kansas 99 0 1 Tennessee 11 2 24
Kentucky 32 0 13 Texas 90 1 2
Louisiana 31 2 15 Utah 3 0 32
Maine 2 0 36 Vermont 0 0 (3)
Maryland 2 0 36 Virginia 12 4 23
Massachusetts 2 0 36 Washington 6 0 28
Michigan 15 0 22 West Virginia 6 0 28
Minnesota 44 0 11 Wisconsin 11 0 24
Mississippi 67 1 4 Wyoming 1 0 41
Missouri 23 0 18 United States 1,059 18  
(1) Ranked by total number of tornadoes. (2) States with the same number receive the same ranking. (3) State had no tornadoes in 2016. (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.
Wildfires By State, 2016
State Number of fires Number of acres burned 
Alaska 572 496,467
Alabama 3,923 59,030
Arizona 2,288 308,245
Arkansas 1,513 33,371
California 7,349 560,815
Colorado 1,190 129,495
Connecticut 268 778
Delaware                           (1)                                      (1)
Florida 3,067 74,416
Georgia 5,086 52,119
Hawaii 10 15,098
Idaho 630 361,649
Illinois 12 133
Indiana 27 620
Iowa 465 21,371
Kansas 75 349,829
Kentucky 1,220 73,864
Louisiana 508 7,799
Maine 796 946
Maryland 120 242
Massachusetts 1,526 1,381
Michigan 389 3,666
Minnesota 1,422 12,268
Mississippi 94 8,128
Missouri 2,610 32,134
Montana 2,026 114,594
Nebraska 45 24,498
Nevada 467 265,156
New Hampshire 148 880
New Jersey 1,050 4,445
New Mexico 1,240 212,425
New York  196 4,236
North Carolina 4,007 88,109
North Dakota 563 4,657
Ohio 410 1,116
Oklahoma 1,938 767,780
Oregon 1,245 219,509
Pennsylvania 871 12,245
Rhode Island 79 57
South Carolina 982 3,804
South Dakota 1,216 81,561
Tennessee 2,165 88,038
Texas 9,300 356,680
Utah 1,078 101,096
Vermont 150 386
Virginia 580 41,441
Washington 1,272 293,717
West Virginia 18 443
Wisconsin 713 695
Wyoming 711 218,077
United States (2) 67,743 5,509,995
(1) Delaware had no wildfires in 2016. (2) Includes Puerto Rico which had 113 fires that burned 486 acres. Source: National Interagency Fire Center.
Top 10 States For Wildfires Ranked By Number Of Fires And By Number Of Acres Burned, 2016
Rank State Number of fires Rank State Number of acres burned
1 Texas 9,300 1 Oklahoma 767,780
2 California 7,349 2 California 560,815
3 Georgia 5,086 3 Alaska 496,467
4 North Carolina 4,007 4 Idaho 361,649
5 Alabama 3,923 5 Texas 356,680
6 Florida 3,067 6 Kansas 349,829
7 Missouri 2,610 7 Arizona 308,245
8 Arizona 2,288 8 Washington 293,717
9 Tennessee 2,165 9 Nevada 265,156
10 Montana 2,026 10 Oregon 219,509
Source: National Interagency Fire Center.

Residual Markets

Insurance Provided By Beach And Windstorm Plans, Fiscal Year 2016 (1)
  Number of policies    
State Habitational Commercial Total Exposure (2) ($000) Direct premiums written ($000)
Alabama 27,445 70 27,515 $4,850,621 $33,237
Mississippi 30,125 814 30,939 4,858,910 51,992
North Carolina 242,021 11,681 253,702 81,451,348 368,292
South Carolina 29,298 535 29,833 9,682,172 59,233
Texas 254,522 12,916 267,438 73,393,573 487,354
Total 583,411 26,016 609,427 $174,236,624 $1,000,108
(1) The Florida and Louisiana Beach Plans merged with their FAIR Plans, see chart, Insurance Provided By FAIR Plans By State. (2) Exposure is the estimate of the aggregate value of all insurance in force in each state’s Beach and Windstorm Plan in all lines (except liability, where applicable, and crime) for 12 months ending September through December. Source: Property Insurance Plans Service Office (PIPSO).

Incurred Losses By State

Incurred Losses By State, Property/Casualty Insurance, 2016 (1)
($000)
State Incurred losses State Incurred losses
Alabama $4,702,498 Montana $1,653,947
Alaska 748,965 Nebraska 2,974,883
Arizona 6,262,281 Nevada 3,220,734
Arkansas 3,393,075 New Hampshire 1,092,834
California 42,601,889 New Jersey 11,841,981
Colorado 8,129,467 New Mexico 1,984,835
Connecticut 4,353,785 New York 26,031,972
Delaware 1,368,479 North Carolina 8,924,484
D.C. 1,135,442 North Dakota 1,583,971
Florida 25,578,739 Ohio 8,247,122
Georgia 12,152,213 Oklahoma 4,110,977
Hawaii 1,023,805 Oregon 3,648,622
Idaho 1,410,960 Pennsylvania 13,570,725
Illinois 13,499,993 Rhode Island 1,261,050
Indiana 6,156,129 South Carolina 6,014,985
Iowa 3,058,337 South Dakota 1,159,593
Kansas 3,134,387 Tennessee 6,856,636
Kentucky 4,248,513 Texas 37,067,174
Louisiana 9,459,225 Utah 2,495,715
Maine 1,015,724 Vermont 549,899
Maryland 6,632,433 Virginia 7,730,072
Massachusetts 7,141,010 Washington 6,436,211
Michigan 12,149,171 West Virginia 1,742,627
Minnesota 5,754,919 Wisconsin 5,416,884
Mississippi 2,748,757 Wyoming 680,532
Missouri 6,687,016 United States $360,845,678
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Incurred Losses By State, Private Passenger Auto Insurance 2016 (1)
($000)
State Incurred losses
Alabama $2,121,305
Alaska 282,047
Arizona 3,114,558
Arkansas 1,323,696
California 17,927,979
Colorado 3,318,979
Connecticut 1,840,869
Delaware 572,078
D.C. 232,832
Florida 12,078,420
Georgia 5,695,136
Hawaii 439,835
Idaho 556,799
Illinois 4,580,330
Indiana 2,284,174
Iowa 1,009,159
Kansas 1,133,681
Kentucky 1,987,454
Louisiana 3,739,453
Maine 407,149
Maryland 3,314,971
Massachusetts 3,052,973
Michigan 7,421,957
Minnesota 2,085,305
Mississipi 1,175,771
Missouri 2,560,012
Montana 495,846
Nebraska 755,188
Nevada 1,604,443
New Hampshire 481,237
New Jersey 4,866,771
New Mexico 864,395
New York 8,587,462
North Carolina 3,824,149
North Dakota 308,189
Ohio 3,904,974
Oklahoma 1,536,205
Oregon 1,750,300
Pennsylvania 5,320,110
Rhode Island 600,539
South Carolina 2,694,363
South Dakota 326,285
Tennessee 2,492,018
Texas 14,834,129
Utah 1,200,233
Vermont 201,232
Virgina 3,491,531
Washington 3,292,454
West Virginia 730,345
Wisconsin 1,857,748
Wyoming 269,941
United States $150,547,012
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.   Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Incurred Losses By State, Homeowners Insurance, 2016 (1)
($000)
State Incurred losses
Alabama $670,506
Alaska 64,597
Arizona 757,869
Arkansas 550,629
California 4,158,640
Colorado 1,745,328
Connecticut 536,638
Delaware 118,821
D.C. 61,472
Florida 3,456,451
Georgia 1,773,172
Hawaii 98,432
Idaho 170,078
Illinois 1,958,191
Indiana 1,003,810
Iowa 291,074
Kansas 537,799
Kentucky 549,229
Louisiana 711,090
Maine 131,123
Maryland 836,597
Massachusetts 808,147
Michigan 1,163,733
Minnesota 897,178
Mississipi 414,262
Missouri 1,060,782
Montana 326,915
Nebraska 698,557
Nevada 314,146
New Hampshire 153,368
New Jersey 1,078,146
New Mexico 337,652
New York 2,170,228
North Carolina 1,379,438
North Dakota 203,795
Ohio 1,106,456
Oklahoma 638,506
Oregon 361,213
Pennsylvania 1,308,092
Rhode Island 171,045
South Carolina 891,835
South Dakota 93,309
Tennessee 1,153,112
Texas 7,247,618
Utah 306,502
Vermont 75,753
Virgina 1,269,321
Washington 813,868
West Virginia 244,752
Wisconsin 585,360
Wyoming 132,496
United States $47,587,134
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.   Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Incurred Losses By State, Commercial Insurance 2016 (1)
($000)
State Incurred losses
Alabama $1,812,853
Alaska 394,033
Arizona 2,325,887
Arkansas 1,456,670
California 20,051,820
Colorado 2,942,038
Connecticut 1,938,736
Delaware 628,022
D.C. 806,911
Florida 9,865,939
Georgia 4,502,612
Hawaii 478,369
Idaho 637,170
Illinois 6,652,153
Indiana 2,507,427
Iowa 1,613,975
Kansas 1,277,400
Kentucky 1,607,906
Louisiana 4,966,173
Maine 460,227
Maryland 2,407,466
Massachusetts 3,214,186
Michigan 3,326,842
Minnesota 2,611,386
Mississipi 1,099,026
Missouri 2,851,109
Montana 755,111
Nebraska 1,348,648
Nevada 1,284,564
New Hampshire 435,647
New Jersey 5,764,281
New Mexico 751,013
New York 14,947,682
North Carolina 3,582,493
North Dakota 956,176
Ohio 3,011,524
Oklahoma 1,798,017
Oregon 1,458,751
Pennsylvania 6,622,343
Rhode Island 476,440
South Carolina 2,340,655
South Dakota 652,065
Tennessee 3,048,422
Texas 14,390,484
Utah 936,417
Vermont 258,959
Virgina 2,820,819
Washington 2,220,347
West Virginia 732,163
Wisconsin 2,778,268
Wyoming 238,885
United States $156,046,512
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.   Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Incurred Losses By State, Workers Compensation Insurance 2016 (1)
($000)
State Incurred losses
Alabama $217,413
Alaska 151,715
Arizona 494,745
Arkansas 114,521
California 6,584,210
Colorado 565,407
Connecticut 422,743
Delaware 138,936
D.C. 52,180
Florida 1,347,400
Georgia 869,564
Hawaii 108,040
Idaho 252,540
Illinois 1,483,557
Indiana 482,524
Iowa 439,335
Kansas 209,754
Kentucky 331,619
Louisiana 400,650
Maine 143,804
Maryland 576,757
Massachusetts 780,241
Michigan 413,221
Minnesota 550,379
Mississipi 207,986
Missouri 582,704
Montana 169,473
Nebraska 226,638
Nevada 184,689
New Hampshire 114,951
New Jersey 1,435,776
New Mexico 128,643
New York 3,647,349
North Carolina 690,370
North Dakota 2,476
Ohio 2,251
Oklahoma 368,023
Oregon 265,485
Pennsylvania 1,646,927
Rhode Island 120,047
South Carolina 509,537
South Dakota 87,781
Tennessee 398,186
Texas 980,491
Utah 237,213
Vermont 110,640
Virgina 625,700
Washington 9,102
West Virginia 131,835
Wisconsin 1,234,598
Wyoming 154
United States $32,338,616
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.   Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Life Insurance Claims And Benefits Paid By State, 2016 (1)
($000)
State Incurred losses
Alabama $5,425,274
Alaska 1,203,460
Arizona 8,886,924
Arkansas 2,820,081
California 44,557,263
Colorado 8,063,699
Connecticut 15,553,182
Delaware 9,874,239
D.C. 1,804,430
Florida 31,675,331
Georgia 11,004,431
Hawaii 2,190,388
Idaho 1,720,052
Illinois 18,929,291
Indiana 9,108,523
Iowa 7,153,761
Kansas 4,146,663
Kentucky 5,276,654
Louisiana 5,926,900
Maine 1,902,398
Maryland 8,702,464
Massachusetts 14,477,778
Michigan 16,143,512
Minnesota 10,699,221
Mississipi 2,545,668
Missouri 9,556,303
Montana 1,057,335
Nebraska 3,532,189
Nevada 3,072,891
New Hampshire 2,565,479
New Jersey 18,744,847
New Mexico 2,392,382
New York 36,734,538
North Carolina 20,227,837
North Dakota 967,022
Ohio 17,128,333
Oklahoma 3,954,800
Oregon 5,468,333
Pennsylvania 23,577,254
Rhode Island 1,778,105
South Carolina 5,911,274
South Dakota 1,240,757
Tennessee 8,727,078
Texas 27,778,226
Utah 3,720,095
Vermont 975,122
Virgina 11,053,003
Washington 8,142,582
West Virginia 2,123,979
Wisconsin 9,072,939
Wyoming 781,785
United States $470,221,348
(1) On a direct basis before reinsurance. Includes life insurance, death benefits, matured endowments, annuity benefits, and other life insurance benefits. Does not include accident and health benefits. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Insured Cars By State

Private Passenger Cars Insured In The Shared And Voluntary Markets, 2015
 
State Voluntary market Shared market Total Shared market as a percent of total
Alabama 3,807,469 1 3,807,470 (1)
Alaska 509,494 18 509,512 0.004%
Arizona 4,671,918 0 4,671,918 (1)
Arkansas 2,250,787 2 2,250,789 (1)
California 26,312,194 239 26,312,433 0.001
Colorado 4,187,782 0 4,187,782 (1)
Connecticut 2,532,825 81 2,532,906 0.003
Delaware 665,075 4 665,079 0.001
D.C. 256,184 65 256,249 0.025
Florida 12,740,030 90 12,740,120 0.001
Georgia 7,541,982 0 7,541,982 (1)
Hawaii 887,514 2,767 890,281 0.311
Idaho 1,358,875 1 1,358,876 (1)
Illinois 8,267,931 263 8,268,194 0.003
Indiana 4,881,984 3 4,881,987 (1)
Iowa 2,544,511 7 2,544,518 (1)
Kansas 2,344,275 1,644 2,345,919 0.070
Kentucky 3,256,990 352 3,257,342 0.011
Louisiana 3,029,199 5 3,029,204 (1)
Maine 1,050,156 5 1,050,161 (1)
Maryland 4,103,099 45,276 4,148,375 1.091
Massachusetts 4,382,442 59,907 4,442,349 1.349
Michigan 6,483,696 3,964 6,487,660 0.061
Minnesota 4,042,588 1 4,042,589 (1)
Mississippi 1,968,741 7 1,968,748 (1)
Missouri 4,411,371 3 4,411,374 (1)
Montana 891,195 7 891,202 0.001
Nebraska 1,594,471 1 1,594,472 (1)
Nevada 1,959,151 5 1,959,156 (1)
New Hampshire 952,617 134 952,751 0.014
New Jersey 5,562,788 17,096 5,579,884 0.306
New Mexico 1,589,949 0 1,589,949 (1)
New York 9,603,497 37,988 9,641,485 0.394
North Carolina 5,801,945 2,527,547 8,329,492 30.345
North Dakota 683,291 3 683,294 (1)
Ohio 8,451,516 0 8,451,516 (1)
Oklahoma 2,958,973 9 2,958,982 (1)
Oregon 2,835,071 3 2,835,074 (1)
Pennsylvania 8,875,394 6,171 8,881,565 0.069
Rhode Island 686,338 14,908 701,246 2.126
South Carolina 3,788,647 0 3,788,647 (1)
South Dakota 761,533 0 761,533 (1)
Tennessee 4,686,626 6 4,686,632 (1)
Texas (2) NA NA NA NA
Utah 2,022,667 1 2,022,668 (1)
Vermont 506,275 35 506,310 0.007
Virginia 6,324,114 398 6,324,512 0.006
Washington 4,838,049 5 4,838,054 (1)
West Virginia 1,364,829 9 1,364,838 0.001
Wisconsin 4,167,640 2 4,167,642 (1)
Wyoming 566,581 0 566,581 (1)
United States 199,962,269 2,719,033 202,681,302 1.342%
(1) Less than 0.001 percent. (2) Texas information is no longer available. NA=Data not available. Source: AIPSO.

Insured Homes By State

Percent Of Occupied Housing Units That Are Owner Occupied, 2016
State Percent Rank (1) State Percent Rank (1)
Alabama 68.5% 12 Montana 68.0 16
Alaska 64.5 34 Nebraska 65.3 26
Arizona 63.2 38 Nevada 54.9 48
Arkansas 64.6 33 New Hampshire 70.1 6
California 53.6 49 New Jersey 63.2 38
Colorado 64.8 31 New Mexico 67.4 17
Connecticut 64.8 31 New York 53.3 50
Delaware 69.8 8 North Carolina 64.2 36
D.C. 39.2 51 North Dakota 63.2 38
Florida 64.1 37 Ohio 65.4 25
Georgia 61.5 44 Oklahoma 64.9 30
Hawaii 57.2 47 Oregon 61.7 43
Idaho 68.5 12 Pennsylvania 68.5 12
Illinois 65.3 26 Rhode Island 58.0 46
Indiana 68.3 15 South Carolina 68.6 11
Iowa 70.6 4 South Dakota 67.2 19
Kansas 65.7 24 Tennessee 65.1 29
Kentucky 66.8 20 Texas 61.1 45
Louisiana 64.3 35 Utah 69.9 7
Maine 71.9 2 Vermont 69.8 8
Maryland 65.9 23 Virginia 65.3 26
Massachusetts 62.0 42 Washington 62.5 41
Michigan 70.3 5 West Virginia 72.4 1
Minnesota 71.3 3 Wisconsin 66.7 21
Mississippi 67.3 18 Wyoming 68.8 10
Missouri 66.1 22 United States 63.1%  
(1) States with the same percentages receive the same rank. Source: U.S. Department of Commerce, Census Bureau; American Community Survey.

Businesses By State

Small Businesses By State, 2015 (1)
 
State Number of establishments Employment Annual payroll ($000)
Alabama 77,550 775,829 $29,150,836
Alaska 17,830 142,448 7,306,330
Arizona 108,825 1,021,274 39,982,791
Arkansas 53,261 479,727 16,086,010
California 780,408 6,996,194 343,743,098
Colorado 137,132 1,095,586 48,424,487
Connecticut 74,231 735,788 37,810,276
Delaware 19,813 180,179 8,106,416
D.C. 17,266 243,121 16,543,619
Florida 449,882 3,280,800 131,080,035
Georgia 180,793 1,596,937 64,692,210
Hawaii 26,647 271,340 10,411,368
Idaho 38,727 304,700 10,358,752
Illinois 267,502 2,469,069 115,903,689
Indiana 115,336 1,198,353 44,824,309
Iowa 67,885 646,525 24,106,702
Kansas 61,647 606,966 23,008,025
Kentucky 72,490 696,183 24,946,243
Louisiana 86,381 917,466 36,266,846
Maine 35,429 284,658 10,428,697
Maryland 113,036 1,124,422 53,889,975
Massachusetts 147,067 1,460,540 79,187,535
Michigan 183,764 1,834,278 75,964,353
Minnesota 125,472 1,249,103 52,415,328
Mississippi 46,695 434,843 14,415,906
Missouri 130,920 1,148,339 43,161,847
Montana 33,360 244,668 8,317,167
Nebraska 45,351 406,745 15,047,584
Nevada 51,424 474,535 18,755,861
New Hampshire 31,287 291,348 13,055,280
New Jersey 198,245 1,772,032 86,258,190
New Mexico 35,590 339,640 12,184,858
New York 477,920 4,015,890 208,558,708
North Carolina 181,045 1,627,666 60,784,704
North Dakota 21,376 210,948 8,806,594
Ohio 199,204 2,171,967 85,487,891
Oklahoma 77,046 712,797 26,690,703
Oregon 97,071 823,658 31,957,677
Pennsylvania 244,177 2,475,788 102,833,214
Rhode Island 24,272 224,254 9,421,866
South Carolina 83,007 777,012 26,932,040
South Dakota 23,347 209,694 7,228,098
Tennessee 102,699 1,071,016 42,930,283
Texas 455,983 4,671,649 203,276,810
Utah 64,292 557,794 21,739,330
Vermont 18,702 158,098 6,191,443
Virginia 158,502 1,503,832 69,092,685
Washington 156,198 1,339,083 60,524,948
West Virginia 29,106 280,213 9,320,530
Wisconsin 116,525 1,245,487 48,196,740
Wyoming 18,457 137,665 5,499,715
United States 6,380,175 58,938,147 $2,551,308,602
(1) Number of establishments with less than 500 employees. Source: U.S. Census, County Business.