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A Firm Foundation: How Insurance Supports the Economy

Driving Economic Progress

Surplus lines

U.S. Excess And Surplus Lines Direct Premiums Written By State, 2023 (1)
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($000)
State Direct premiums written Percent of total U.S. surplus lines market State Direct premiums written Percent of total U.S. surplus lines market
Alaska $197,367 0.2% Montana $230,865 0.3%
Alabama 1,210,654 1.4 North Carolina 1,459,339 1.7
Arkansas 515,643 0.6 North Dakota 151,558 0.2
Arizona 1,252,224 1.4 Nebraska 378,292 0.4
California 15,337,177 17.7 New Hampshire 174,694 0.2
Colorado 1,670,037 1.9 New Jersey 2,498,109 2.9
Connecticut 856,647 1.0 New Mexico 267,598 0.3
Delaware 291,471 0.3 Nevada 668,790 0.8
D.C. 406,041 0.5 New York 6,523,281 7.5
Florida 11,545,155 13.3 Ohio 1,477,426 1.7
Georgia 2,351,205 2.7 Oklahoma 774,773 0.9
Hawaii 421,938 0.5 Oregon 731,888 0.8
Iowa 568,170 0.7 Pennsylvania 2,187,699 2.5
Idaho 259,548 0.3 Rhode Island 264,048 0.3
Illinois 2,825,081 3.3 South Carolina 1,361,073 1.6
Indiana 1,099,822 1.3 South Dakota 101,777 0.1
Kansas 435,000 0.5 Tennessee 1,233,112 1.4
Kentucky 462,554 0.5 Texas 10,423,630 12.0
Louisiana 2,289,273 2.6 Utah 622,840 0.7
Massachusetts 1,849,799 2.1 Virginia 1,304,468 1.5
Maryland 870,355 1.0 Vermont 118,514 0.1
Maine 163,803 0.2 Washington 1,815,299 2.1
Michigan 1,090,314 1.3 Wisconsin 712,604 0.8
Minnesota 880,073 1.0 West Virginia 176,949 0.2
Missouri 1,183,108 1.4 Wyoming 116,307 0.1
Mississippi 724,402 0.8      
(1) Excludes Lloyd's of London and territories. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

A 50-State Commitment

Employment

Insurance Carriers And Related Activities Employment By State, 2023 (1)
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State Number of employees State Number of employees
Alabama 32.6 Montana 7.5
Alaska 1.9 Nebraska 32.1
Arizona 72.8 Nevada 20.9
Arkansas 19.4 New Hampshire 12.1
California 192.8 New Jersey 87.4
Colorado 47.1 New Mexico 11.9
Connecticut 55.8 New York 149.6
Delaware 6.3 North Carolina 83.2
District of Columbia 3.7 North Dakota 9.5
Florida 218.6 Ohio 127.5
Georgia 101.8 Oklahoma 24.2
Hawaii 7.3 Oregon 24.7
Idaho 13.9 Pennsylvania 129.2
Illinois 144.1 Rhode Island 13.8
Indiana 58.8 South Carolina 40.5
Iowa 47.6 South Dakota 8.4
Kansas 28.4 Tennessee 62.6
Kentucky 34.2 Texas 284.0
Louisiana 35.6 Utah 22.1
Maine 13.4 Vermont 4.2
Maryland 46.0 Virginia 65.3
Massachusetts 78.0 Washington 43.2
Michigan 82.5 West Virginia 9.8
Minnesota 74.8 Wisconsin 73.7
Mississippi 13.0 Wyoming 2.8
Missouri 63.9 United States 2,844.6
(1) Total employment. Does not match data shown elsewhere due to the use of different surveys. Source: Insurance Information Institute and Employees by NAICS industry, Bureau of Labor Statistics, U.S. Department of Commerce.
Insurance Carriers and Related Activities Compensation by State, 2022-2023
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($000)
  Annual payroll   Annual payroll
State 2022 2023 State 2022 2023
Alabama $3,653,762 $4,031,470 Montana $691,002 $751,900
Alaska 191,565 188,097 Nebraska 2,891,686 3,041,353
Arizona 7,650,359 8,048,860 Nevada 2,017,688 2,267,370
Arkansas 1,678,545 1,837,262 New Hampshire 1,685,225 1,750,483
California 32,356,464 32,060,855 New Jersey 14,401,592 15,212,485
Colorado 6,138,052 6,527,634 New Mexico 991,734 1,037,512
Connecticut 10,331,075 10,641,959 New York 24,492,943 25,041,770
Delaware 805,901 870,651 North Carolina 9,657,328 10,790,757
District of Columbia 932,807 797,737 North Dakota 687,766 742,259
Florida 25,373,351 28,007,756 Ohio 13,900,648 14,619,423
Georgia 12,501,189 13,622,358 Oklahoma 2,172,469 2,346,250
Hawaii 797,688 830,682 Oregon 3,129,119 3,305,653
Idaho 1,285,531 1,377,701 Pennsylvania 16,336,189 17,569,553
Illinois 18,441,679 19,163,333 Rhode Island 1,452,923 1,530,548
Indiana 5,766,122 6,243,625 South Carolina 3,880,793 4,459,936
Iowa 5,977,749 6,289,414 South Dakota 750,159 792,755
Kansas 3,167,401 3,333,911 Tennessee 6,628,358 7,358,544
Kentucky 3,917,319 4,165,957 Texas 30,002,951 32,332,369
Louisiana 2,788,710 3,210,599 Utah 2,575,485 2,835,121
Maine 1,421,826 1,516,274 Vermont 506,133 523,203
Maryland 4,698,467 4,829,922 Virginia 7,196,890 8,329,857
Massachusetts 11,326,056 11,825,678 Washington 5,807,432 6,052,540
Michigan 7,458,751 8,088,687 West Virginia 769,806 845,220
Minnesota 9,312,438 9,819,780 Wisconsin 8,315,426 8,952,799
Mississippi 1,232,565 1,378,614 Wyoming 236,291 255,309
Missouri 6,987,592 7,547,215 United States $347,371,000 $369,001,000
Source:Compensation of employees by NAICS industry, Bureau of Economic Analysis, U.S. Department of Commerce.

Premiums

Direct Premiums Written, P/C Insurance By State, 2023 (1)
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($000)
State Total, all lines State Total, all lines
Alabama $13,146,853 Montana $3,807,820
Alaska 1,994,750 Nebraska 7,573,101
Arizona 17,959,495 Nevada 8,561,822
Arkansas 7,931,849 New Hampshire 3,342,091
California 111,243,502 New Jersey 29,106,640
Colorado 20,582,327 New Mexico 5,038,116
Connecticut 11,508,412 New York 61,861,773
D.C. 2,699,081 North Carolina 24,036,512
Delaware 3,842,583 North Dakota 3,826,625
Florida 88,067,510 Ohio 23,397,453
Georgia 32,039,933 Oklahoma 11,325,023
Hawaii 3,490,752 Oregon 10,510,197
Idaho 4,757,044 Pennsylvania 32,532,786
Illinois 35,938,656 Rhode Island 3,361,749
Indiana 16,321,562 South Carolina 15,078,257
Iowa 9,843,752 South Dakota 3,970,217
Kansas 9,565,831 Tennessee 17,442,243
Kentucky 10,147,626 Texas 92,331,270
Louisiana 16,226,096 Utah 8,100,467
Maine 3,316,037 Vermont 1,640,326
Maryland 16,186,978 Virginia 20,316,519
Massachusetts 21,453,245 Washington 18,109,893
Michigan 24,427,664 West Virginia 3,643,445
Minnesota 17,081,121 Wisconsin 14,623,479
Mississippi 7,505,441 Wyoming 1,820,520
Missouri 17,261,874 United States $949,898,320
(1) Before reinsurance transactions, includes state funds, excludes territories. (2) Data for the total United States may differ from similar data shown elsewhere due to the use of different exhibits from S&P Global Market Intelligence. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Life/Annuity Insurers Direct Premiums Written And Annuity Considerations By State, 2023 (1)
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($ millions)
State Life insurance Annuities Accident and Health insurance (2) Deposit-type contract funds Other considerations Total
Alabama $2,629 $5,042 $2,534 $271 $434 $10,910
Alaska 636 521 310 30 266 1,763
Arizona 3,225 11,202 4,502 454 1,491 20,874
Arkansas 1,313 2,388 1,243 121 234 5,300
California 21,112 43,231 16,369 2,776 7,959 91,446
Colorado 3,319 6,713 4,801 10,202 1,215 26,250
Connecticut 2,686 7,889 4,408 10,321 1,478 26,782
Delaware 1,756 4,649 958 66,597 698 74,658
D.C. 469 815 1,108 818 266 3,475
Florida 12,604 35,530 17,361 1,518 2,280 69,292
Georgia 5,980 10,125 8,305 2,211 1,449 28,070
Hawaii 954 2,231 813 66 276 4,340
Idaho 794 1,797 714 100 291 3,696
Illinois 7,802 15,889 9,112 8,763 2,659 44,225
Indiana 3,547 8,513 4,585 2,939 791 20,375
Iowa 2,112 4,829 1,609 6,445 3,833 18,828
Kansas 1,592 3,672 4,096 1,290 278 10,927
Kentucky 1,899 4,497 1,994 368 579 9,337
Louisiana 2,696 5,931 2,707 280 735 12,350
Maine 516 1,896 1,162 60 160 3,795
Maryland 3,483 7,554 4,555 844 1,190 17,627
Massachusetts 4,338 10,945 5,563 1,085 4,032 25,963
Michigan 6,480 18,754 4,366 1,259 1,256 32,115
Minnesota 5,324 8,246 2,577 924 1,723 18,794
Mississippi 1,468 2,440 1,919 87 197 6,112
Missouri 3,296 8,517 4,900 1,707 845 19,265
Montana 475 857 513 63 165 2,073
Nebraska 1,253 2,471 1,709 437 454 6,323
Nevada 1,644 3,079 1,802 241 388 7,155
New Hampshire 727 2,930 1,043 107 316 5,123
New Jersey 7,647 19,992 10,338 1,172 1,810 40,960
New Mexico 778 1,476 776 129 251 3,410
New York 13,609 27,806 15,536 102,824 4,527 164,302
North Carolina 5,831 13,585 7,338 701 906 28,362
North Dakota 566 1,433 378 249 214 2,840
Ohio 6,412 18,916 8,305 36,770 1,311 71,714
Oklahoma 1,672 2,841 1,748 242 473 6,976
Oregon 1,492 3,760 2,213 241 1,140 8,846
Pennsylvania 7,487 23,995 10,242 2,145 1,730 45,599
Rhode Island 536 2,111 556 119 103 3,426
South Carolina 2,827 7,047 3,302 265 402 13,842
South Dakota 1,942 1,079 501 154 496 4,171
Tennessee 3,982 8,385 5,197 885 1,399 19,848
Texas 15,448 28,799 20,185 3,339 2,638 70,409
Utah 1,747 3,945 1,839 1,582 1,111 10,223
Vermont 266 1,027 380 76 152 1,901
Virginia 4,856 9,792 6,183 763 943 22,537
Washington 3,420 7,516 3,692 444 1,424 16,496
West Virginia 725 2,102 925 104 136 3,992
Wisconsin 3,208 8,424 4,484 4,643 941 21,699
Wyoming 379 567 435 24 64 1,468
United States $190,960 $437,752 $222,190 $279,254 $60,109 $1,190,265
(1) Direct premiums written before reinsurance transactions. Excludes territories, state funds, dividends and other nonstate specific data. (2) Excludes accident and health premiums reported on property/casualty and health annual statements. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2023 (1)
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($000)
  Private passenger auto Commercial auto      
State Liability Coll./Comp. Liability Coll./Comp. Homeowners multiple peril Farmowners multi peril Commercial multi peril
Alabama $2,406,160 $2,192,586 $681,835 $241,657 $2,601,843 $99,440 $929,329
Alaska 324,335 272,407 80,343 27,693 220,233 899 118,917
Arizona 4,421,746 3,214,771 912,184 298,423 2,819,499 22,533 938,793
Arkansas 1,337,320 1,330,651 413,817 172,811 1,395,226 103,131 508,266
California 19,079,638 17,414,501 6,038,441 1,384,322 13,728,927 229,736 7,032,588
Colorado 3,659,914 3,252,655 816,734 297,096 4,581,698 124,939 1,318,359
Connecticut 2,181,432 1,419,877 511,804 133,714 2,051,080 9,009 874,562
Delaware 742,518 394,362 167,987 38,951 420,847 9,802 360,810
D.C. 228,804 204,061 51,703 11,565 221,360 0 226,418
Florida 21,148,245 9,289,156 5,077,570 739,336 17,283,009 28,009 3,926,341
Georgia 8,646,569 4,398,085 1,939,266 463,224 5,095,636 172,853 1,661,648
Hawaii 459,195 425,929 106,297 33,069 499,622 0 267,098
Idaho 802,994 707,395 230,075 113,312 696,978 88,579 351,739
Illinois 5,130,942 4,766,775 1,944,149 692,899 5,517,921 251,116 2,440,110
Indiana 2,596,176 2,407,951 853,974 374,686 2,804,177 238,598 1,194,084
Iowa 1,035,521 1,344,156 387,001 266,152 1,267,046 302,693 651,166
Kansas 1,207,393 1,264,403 337,665 190,140 1,665,697 314,268 572,221
Kentucky 2,247,561 1,499,847 494,520 178,119 1,669,247 202,800 739,118
Louisiana 3,242,796 2,237,185 959,137 175,210 2,888,354 17,008 816,553
Maine 478,747 507,400 145,607 76,257 603,665 7,411 351,995
Maryland 3,749,775 2,732,073 757,638 233,282 2,795,170 37,762 887,818
Massachusetts 3,420,126 3,045,333 916,355 346,344 3,478,968 5,401 1,854,828
Michigan 5,340,744 4,780,797 996,040 488,832 3,796,292 169,934 1,550,443
Minnesota 2,369,753 2,559,350 588,746 334,927 3,385,649 195,484 1,079,654
Mississippi 1,292,495 1,200,486 430,578 149,111 1,486,059 45,123 510,268
Missouri 2,845,687 2,639,116 744,290 336,742 3,027,529 241,252 1,175,200
Montana 477,832 561,957 167,180 101,810 601,171 111,461 292,362
Nebraska 834,537 880,375 257,184 175,186 1,225,408 363,155 463,276
Nevada 2,493,304 1,060,333 556,280 90,009 928,923 9,162 518,418
New Hampshire 521,674 577,949 146,432 62,355 583,913 3,830 350,476
New Jersey 6,260,513 3,322,772 2,086,883 352,840 3,704,874 4,436 2,061,707
New Mexico 1,082,577 823,238 287,743 83,525 833,118 32,897 331,102
New York 10,773,482 6,384,039 3,284,658 537,354 7,595,348 58,792 5,380,070
North Carolina 4,059,964 4,427,188 1,177,152 432,760 4,271,535 77,358 1,480,381
North Dakota 248,507 366,573 117,137 97,866 311,198 163,736 205,986
Ohio 4,209,036 4,117,370 1,232,384 502,066 4,101,101 217,598 1,788,555
Oklahoma 1,808,805 1,761,994 530,239 224,312 2,399,783 223,117 795,450
Oregon 2,407,477 1,479,046 495,327 161,689 1,404,023 101,599 742,441
Pennsylvania 5,300,619 5,549,252 1,541,771 631,263 4,669,184 131,429 2,453,166
Rhode Island 707,755 419,736 131,020 41,395 611,663 558 255,128
South Carolina 3,788,510 2,188,104 682,995 198,262 2,766,131 23,916 858,520
South Dakota 308,408 486,996 113,366 101,184 438,958 184,038 233,916
Tennessee 3,023,175 2,922,142 796,220 367,777 3,117,084 197,207 1,174,982
Texas 17,476,787 14,499,749 5,785,010 1,462,020 16,100,322 512,646 4,915,550
Utah 1,938,902 1,175,440 434,751 146,392 1,032,286 22,775 461,228
Vermont 191,985 261,951 64,166 36,873 271,461 18,544 182,553
Virginia 4,299,130 3,444,767 859,609 312,893 3,567,528 100,519 1,191,989
Washington 3,901,003 2,596,961 872,802 282,483 2,814,177 102,395 1,272,844
West Virginia 716,407 757,911 162,002 67,914 563,018 20,747 271,511
Wisconsin 1,977,453 2,155,521 613,999 396,211 2,091,920 244,218 1,027,496
Wyoming 210,907 333,706 83,307 56,360 341,964 40,323 151,221
United States $179,415,337 $138,056,376 $49,063,373 $14,720,676 $152,347,825 $5,884,236 $61,198,658
(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, 2023 (1) (Cont’d)
View Full Table
($000)
State Workers compensation Excess workers compensation Medical professional liability Product liability Other liability Fire Allied lines
Alabama $438,656 $20,962 $175,346 $53,021 $1,178,279 $438,507 $438,801
Alaska 187,271 3,693 26,267 7,724 222,415 86,830 43,573
Arizona 893,314 15,565 256,572 87,376 1,851,390 329,663 287,491
Arkansas 274,357 9,284 89,390 28,177 753,706 280,922 230,490
California 11,885,413 237,993 1,032,709 696,010 15,157,511 3,317,362 1,811,213
Colorado 1,049,338 19,382 186,129 101,146 2,345,998 423,694 454,860
Connecticut 746,591 21,812 246,657 70,789 1,658,038 243,495 227,214
Delaware 181,549 1,877 47,381 20,006 811,486 62,092 47,619
D.C. 162,797 6,591 27,972 9,486 730,612 86,454 60,277
Florida 3,429,233 72,840 943,001 360,260 7,798,594 2,854,032 6,838,841
Georgia 1,835,843 44,518 437,715 152,759 3,179,248 736,554 601,362
Hawaii 347,442 10,145 40,665 12,970 466,115 199,101 214,941
Idaho 526,362 2,297 45,131 24,632 414,544 100,835 78,509
Illinois 2,526,954 58,675 583,058 246,746 5,705,586 923,400 620,400
Indiana 855,843 15,461 176,753 130,403 1,540,758 511,716 336,636
Iowa 696,186 7,270 83,859 59,561 986,221 294,103 253,421
Kansas 436,080 9,635 101,472 46,566 741,827 207,451 279,636
Kentucky 579,556 12,390 144,047 40,439 781,891 250,696 197,919
Louisiana 885,543 53,045 117,169 62,727 1,474,605 676,549 804,453
Maine 290,366 3,770 59,590 15,357 286,370 86,793 68,393
Maryland 933,183 12,345 328,513 55,881 1,675,669 299,394 250,176
Massachusetts 1,399,938 27,885 383,139 147,407 3,336,071 597,952 498,628
Michigan 1,083,434 27,619 254,222 137,479 2,153,764 532,674 332,891
Minnesota 1,033,809 1,602 105,847 127,805 1,851,553 450,788 536,024
Mississippi 354,101 12,240 65,923 26,283 518,251 258,733 276,953
Missouri 1,083,313 36,947 225,554 80,618 1,785,540 441,266 416,558
Montana 309,893 5,332 42,127 17,321 328,613 74,556 69,647
Nebraska 401,126 5,290 65,556 32,711 557,799 185,691 164,062
Nevada 482,930 21,778 106,628 45,506 989,518 202,723 145,290
New Hampshire 232,728 7,174 54,289 17,564 335,289 65,106 52,516
New Jersey 2,644,095 42,343 548,061 237,883 4,038,270 661,189 549,148
New Mexico 303,499 6,172 83,876 18,303 413,367 91,568 82,136
New York 3,500,795 60,760 1,761,759 315,870 13,299,026 1,611,912 1,304,530
North Carolina 1,521,494 28,728 205,544 145,524 2,359,755 561,377 612,309
North Dakota 6,271 8 10,984 19,689 276,774 73,464 65,741
Ohio 21,990 78,435 273,445 160,706 2,700,586 684,819 480,225
Oklahoma 648,410 13,023 119,652 47,568 915,095 321,719 363,030
Oregon 804,368 9,902 120,177 74,116 1,040,587 248,934 152,437
Pennsylvania 2,555,792 39,274 840,749 165,170 4,444,598 779,234 589,647
Rhode Island 234,296 2,452 36,311 13,732 398,338 74,338 81,146
South Carolina 879,416 11,843 97,300 78,226 1,073,048 602,812 403,066
South Dakota 194,709 2,036 20,060 19,311 215,463 86,918 74,130
Tennessee 837,514 18,323 272,692 98,338 1,817,082 528,977 423,620
Texas 2,688,752 28,222 551,510 472,536 10,288,004 3,752,100 3,364,045
Utah 519,543 4,762 87,835 68,127 957,998 171,138 109,482
Vermont 185,838 2,165 20,117 8,967 175,918 39,789 26,687
Virginia 1,000,235 25,219 242,526 73,348 2,364,895 416,288 354,164
Washington 28,403 34,803 241,202 108,105 2,245,969 483,499 309,152
West Virginia 260,478 6,060 75,435 11,030 288,758 91,782 61,667
Wisconsin 1,964,514 10,617 96,082 124,233 1,593,357 400,527 303,086
Wyoming 6,558 -203 24,142 7,458 198,726 42,886 41,246
United States $56,350,118 $1,210,364 $12,182,140 $5,182,970 $112,722,879 $26,944,401 $26,389,488
(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, 2023 (1) (Cont’d)
View Full Table
($000)
State Inland marine Ocean marine Surety Fidelity Burglary and theft Boiler and machinery Financial guaranty
Alabama $2,406,160 $2,192,586 $681,835 $241,657 $2,601,843 $99,440 $929,329
Alaska 324,335 272,407 80,343 27,693 220,233 899 118,917
Arizona 4,421,746 3,214,771 912,184 298,423 2,819,499 22,533 938,793
Arkansas 1,337,320 1,330,651 413,817 172,811 1,395,226 103,131 508,266
California 19,079,638 17,414,501 6,038,441 1,384,322 13,728,927 229,736 7,032,588
Colorado 3,659,914 3,252,655 816,734 297,096 4,581,698 124,939 1,318,359
Connecticut 2,181,432 1,419,877 511,804 133,714 2,051,080 9,009 874,562
Delaware 742,518 394,362 167,987 38,951 420,847 9,802 360,810
D.C. 228,804 204,061 51,703 11,565 221,360 0 226,418
Florida 21,148,245 9,289,156 5,077,570 739,336 17,283,009 28,009 3,926,341
Georgia 8,646,569 4,398,085 1,939,266 463,224 5,095,636 172,853 1,661,648
Hawaii 459,195 425,929 106,297 33,069 499,622 0 267,098
Idaho 802,994 707,395 230,075 113,312 696,978 88,579 351,739
Illinois 5,130,942 4,766,775 1,944,149 692,899 5,517,921 251,116 2,440,110
Indiana 2,596,176 2,407,951 853,974 374,686 2,804,177 238,598 1,194,084
Iowa 1,035,521 1,344,156 387,001 266,152 1,267,046 302,693 651,166
Kansas 1,207,393 1,264,403 337,665 190,140 1,665,697 314,268 572,221
Kentucky 2,247,561 1,499,847 494,520 178,119 1,669,247 202,800 739,118
Louisiana 3,242,796 2,237,185 959,137 175,210 2,888,354 17,008 816,553
Maine 478,747 507,400 145,607 76,257 603,665 7,411 351,995
Maryland 3,749,775 2,732,073 757,638 233,282 2,795,170 37,762 887,818
Massachusetts 3,420,126 3,045,333 916,355 346,344 3,478,968 5,401 1,854,828
Michigan 5,340,744 4,780,797 996,040 488,832 3,796,292 169,934 1,550,443
Minnesota 2,369,753 2,559,350 588,746 334,927 3,385,649 195,484 1,079,654
Mississippi 1,292,495 1,200,486 430,578 149,111 1,486,059 45,123 510,268
Missouri 2,845,687 2,639,116 744,290 336,742 3,027,529 241,252 1,175,200
Montana 477,832 561,957 167,180 101,810 601,171 111,461 292,362
Nebraska 834,537 880,375 257,184 175,186 1,225,408 363,155 463,276
Nevada 2,493,304 1,060,333 556,280 90,009 928,923 9,162 518,418
New Hampshire 521,674 577,949 146,432 62,355 583,913 3,830 350,476
New Jersey 6,260,513 3,322,772 2,086,883 352,840 3,704,874 4,436 2,061,707
New Mexico 1,082,577 823,238 287,743 83,525 833,118 32,897 331,102
New York 10,773,482 6,384,039 3,284,658 537,354 7,595,348 58,792 5,380,070
North Carolina 4,059,964 4,427,188 1,177,152 432,760 4,271,535 77,358 1,480,381
North Dakota 248,507 366,573 117,137 97,866 311,198 163,736 205,986
Ohio 4,209,036 4,117,370 1,232,384 502,066 4,101,101 217,598 1,788,555
Oklahoma 1,808,805 1,761,994 530,239 224,312 2,399,783 223,117 795,450
Oregon 2,407,477 1,479,046 495,327 161,689 1,404,023 101,599 742,441
Pennsylvania 5,300,619 5,549,252 1,541,771 631,263 4,669,184 131,429 2,453,166
Rhode Island 707,755 419,736 131,020 41,395 611,663 558 255,128
South Carolina 3,788,510 2,188,104 682,995 198,262 2,766,131 23,916 858,520
South Dakota 308,408 486,996 113,366 101,184 438,958 184,038 233,916
Tennessee 3,023,175 2,922,142 796,220 367,777 3,117,084 197,207 1,174,982
Texas 17,476,787 14,499,749 5,785,010 1,462,020 16,100,322 512,646 4,915,550
Utah 1,938,902 1,175,440 434,751 146,392 1,032,286 22,775 461,228
Vermont 191,985 261,951 64,166 36,873 271,461 18,544 182,553
Virginia 4,299,130 3,444,767 859,609 312,893 3,567,528 100,519 1,191,989
Washington 3,901,003 2,596,961 872,802 282,483 2,814,177 102,395 1,272,844
West Virginia 716,407 757,911 162,002 67,914 563,018 20,747 271,511
Wisconsin 1,977,453 2,155,521 613,999 396,211 2,091,920 244,218 1,027,496
Wyoming 210,907 333,706 83,307 56,360 341,964 40,323 151,221
United States $179,415,337 $138,056,376 $49,063,373 $14,720,676 $152,347,825 $5,884,236 $61,198,658
(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, 2023 (1) (Cont'd)
View Full Table
($000)
State Aircraft Earthquake Federal flood Credit Warranty Accident and health
Alabama $29,569 $13,743 $29,061 $47,356 $13,912 $117,898
Alaska 70,334 56,092 705 5,198 2,542 12,923
Arizona 88,068 26,439 13,825 26,676 29,244 125,320
Arkansas 39,145 58,443 8,298 21,713 11,028 56,933
California 286,026 2,501,084 133,746 201,493 183,438 794,280
Colorado 101,426 20,768 11,708 53,525 41,802 122,941
Connecticut 40,808 12,487 36,821 38,206 14,428 82,892
Delaware 22,221 2,278 14,825 22,927 21,761 112,455
D.C. 8,163 5,877 1,042 37,102 23 90,093
Florida 239,123 65,188 1,141,073 212,289 839,565 381,670
Georgia 103,623 31,175 42,981 77,144 7,743 228,803
Hawaii 13,676 31,302 35,098 9,546 2,517 13,258
Idaho 24,118 10,584 3,919 11,033 6,057 19,273
Illinois 101,896 127,419 20,794 92,930 249,681 427,629
Indiana 42,468 59,398 11,939 45,153 55,225 426,963
Iowa 23,395 9,197 9,071 21,942 4,886 82,207
Kansas 36,007 10,524 5,262 27,338 214,365 79,574
Kentucky 14,992 59,182 12,540 43,518 7,262 88,904
Louisiana 50,202 9,833 274,487 36,813 7,050 92,889
Maine 8,265 3,115 6,764 8,051 6,593 19,265
Maryland 35,730 19,515 23,787 26,024 16,227 84,267
Massachusetts 32,481 55,060 54,526 60,758 56,591 127,868
Michigan 53,302 14,714 12,606 63,504 595,583 192,329
Minnesota 53,335 8,569 5,192 26,853 22,712 87,525
Mississippi 21,046 30,270 40,094 25,133 5,400 67,720
Missouri 32,609 146,238 15,610 45,953 94,268 179,463
Montana 24,941 10,752 2,769 1,806 970 23,334
Nebraska 26,313 3,550 5,100 7,632 4,205 94,056
Nevada 56,047 71,299 5,994 8,669 3,175 39,371
New Hampshire 14,124 5,186 6,592 13,581 5,171 27,970
New Jersey 30,200 39,517 163,945 98,336 41,268 205,661
New Mexico 14,376 5,722 6,863 12,894 3,765 35,982
New York 94,704 131,319 152,791 280,821 82,570 548,417
North Carolina 68,236 25,633 82,267 63,432 46,145 179,507
North Dakota 15,185 971 4,223 2,530 694 12,535
Ohio 115,440 47,450 18,811 71,364 153,098 274,753
Oklahoma 32,802 19,433 6,422 28,785 10,920 67,562
Oregon 44,433 189,290 15,238 14,726 7,315 79,786
Pennsylvania 63,583 37,478 46,420 75,700 57,602 359,125
Rhode Island 12,507 4,546 10,330 6,667 3,732 17,727
South Carolina 25,409 69,430 107,032 31,652 11,939 93,271
South Dakota 12,780 1,136 2,163 12,835 2,253 16,064
Tennessee 63,644 134,143 20,302 58,010 22,097 171,081
Texas 319,915 77,228 413,632 493,271 155,370 616,635
Utah 48,806 138,366 4,022 18,719 79,690 55,560
Vermont 3,686 1,917 4,129 3,463 804 19,938
Virginia 87,320 32,330 49,792 70,207 30,022 134,003
Washington 58,041 420,752 22,136 35,714 148,106 91,288
West Virginia 5,332 3,009 10,890 7,455 4,792 35,195
Wisconsin 36,611 13,447 7,638 30,289 43,201 156,060
Wyoming 11,409 7,676 1,281 5,313 1,367 21,601
United States $2,857,871 $4,880,071 $3,136,556 $2,742,050 $3,430,173 $7,491,827
(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, 2023 (1) (Cont'd)
View Full Table
($000)
State Multiple peril crop Private crop Mortgage guaranty Miscellaneous Private flood
Alabama $110,131 $1,014 $32,836 $65,559 $15,777
Alaska 94 0 1,858 17,819 2,753
Arizona 147,887 2,974 20,776 156,191 19,241
Arkansas 257,204 41,819 14,374 36,895 6,778
California 783,616 25,584 117,425 517,905 136,120
Colorado 327,549 24,177 49,246 143,726 20,136
Connecticut 8,894 9 9,073 72,792 19,129
Delaware 14,738 112 2,025 21,768 4,771
D.C. 0 0 56,828 18,869 4,967
Florida 232,517 550 174,168 446,412 258,530
Georgia 283,462 4,434 59,387 206,364 27,009
Hawaii 2,603 0 2,531 19,005 14,805
Idaho 164,419 16,651 3,703 38,393 4,295
Illinois 1,057,083 167,058 53,151 247,549 38,704
Indiana 577,653 46,875 22,210 119,118 19,445
Iowa 1,351,517 154,467 9,757 52,000 6,570
Kansas 1,259,313 72,195 12,230 45,963 5,766
Kentucky 234,720 8,014 6,916 49,349 11,361
Louisiana 188,088 8,450 27,737 60,866 34,071
Maine 14,981 0 2,476 19,027 3,006
Maryland 45,426 165 24,970 157,220 14,736
Massachusetts 6,029 4 49,299 116,367 34,919
Michigan 289,908 8,431 61,359 191,635 18,742
Minnesota 1,049,398 155,676 47,757 149,836 9,733
Mississippi 189,095 7,578 31,924 26,513 11,223
Missouri 591,229 44,623 69,904 96,580 14,104
Montana 343,236 498 2,880 15,485 3,501
Nebraska 984,726 409,457 10,503 34,143 4,723
Nevada 155,110 1,370 7,063 78,405 8,219
New Hampshire 604 4 4,880 28,870 3,795
New Jersey 7,914 0 54,252 164,233 76,600
New Mexico 181,573 2,468 7,681 30,334 4,079
New York 103,965 213 161,087 199,802 110,714
North Carolina 371,513 3,885 31,044 182,177 30,790
North Dakota 1,505,435 116,693 1,091 16,123 1,777
Ohio 413,294 21,492 53,394 181,350 26,342
Oklahoma 367,040 7,068 14,086 50,965 9,360
Oregon 181,662 3,117 8,302 85,623 12,873
Pennsylvania 79,380 1,381 39,688 194,997 44,932
Rhode Island 202 0 45,655 17,464 5,796
South Carolina 139,007 350 12,405 91,332 32,551
South Dakota 1,195,972 75,288 2,259 13,773 1,290
Tennessee 132,996 3,243 18,084 104,893 18,217
Texas 1,980,925 58,736 136,805 534,508 148,309
Utah 50,003 287 13,260 76,752 7,329
Vermont 5,068 2 719 11,099 1,814
Virginia 107,087 1,391 43,568 164,351 21,828
Washington 336,282 15,079 48,328 173,268 20,830
West Virginia 4,345 15 3,253 17,215 6,004
Wisconsin 391,709 21,257 17,380 105,991 11,941
Wyoming 60,383 2,135 407 9,036 1,457
United States $18,286,986 $1,536,290 $1,701,995 $5,675,912 $1,371,762
(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Surplus lines

U.S. Excess And Surplus Lines Direct Premiums Written By State, 2023 (1)
View Full Table
($000)
State Direct premiums written Percent of total U.S. surplus lines market State Direct premiums written Percent of total U.S. surplus lines market
Alaska $197,367 0.2% Montana $230,865 0.3%
Alabama 1,210,654 1.4 North Carolina 1,459,339 1.7
Arkansas 515,643 0.6 North Dakota 151,558 0.2
Arizona 1,252,224 1.4 Nebraska 378,292 0.4
California 15,337,177 17.7 New Hampshire 174,694 0.2
Colorado 1,670,037 1.9 New Jersey 2,498,109 2.9
Connecticut 856,647 1.0 New Mexico 267,598 0.3
Delaware 291,471 0.3 Nevada 668,790 0.8
D.C. 406,041 0.5 New York 6,523,281 7.5
Florida 11,545,155 13.3 Ohio 1,477,426 1.7
Georgia 2,351,205 2.7 Oklahoma 774,773 0.9
Hawaii 421,938 0.5 Oregon 731,888 0.8
Iowa 568,170 0.7 Pennsylvania 2,187,699 2.5
Idaho 259,548 0.3 Rhode Island 264,048 0.3
Illinois 2,825,081 3.3 South Carolina 1,361,073 1.6
Indiana 1,099,822 1.3 South Dakota 101,777 0.1
Kansas 435,000 0.5 Tennessee 1,233,112 1.4
Kentucky 462,554 0.5 Texas 10,423,630 12.0
Louisiana 2,289,273 2.6 Utah 622,840 0.7
Massachusetts 1,849,799 2.1 Virginia 1,304,468 1.5
Maryland 870,355 1.0 Vermont 118,514 0.1
Maine 163,803 0.2 Washington 1,815,299 2.1
Michigan 1,090,314 1.3 Wisconsin 712,604 0.8
Minnesota 880,073 1.0 West Virginia 176,949 0.2
Missouri 1,183,108 1.4 Wyoming 116,307 0.1
Mississippi 724,402 0.8      
(1) Excludes Lloyd's of London and territories. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Gross state product

Gross State Product (GSP), Insurance Carriers And Related Activities, 2019-2020
View Full Table
($ millions)
State 2019 2020 As a percent of 2020 total GSP
Alabama $4,843 $5,445 2.40%
Alaska 388 348 0.70
Arizona 8,997 10,602 2.84
Arkansas 2,756 3,214 2.46
California 42,431 42,662 1.42
Colorado 7,517 9,287 2.43
Connecticut 21,972 21,702 7.85
Delaware 6,022 5,306 7.00
D.C. 1,811 2,082 1.44
Florida 34,112 38,191 3.45
Georgia 14,026 15,093 2.42
Hawaii 1,766 1,976 2.38
Idaho 1,475 1,627 1.94
Illinois 44,775 42,497 4.95
Indiana 15,479 14,269 3.80
Iowa 18,062 20,797 10.71
Kansas 4,651 5,457 3.12
Kentucky 6,188 7,245 3.41
Louisiana 5,694 6,644 2.82
Maine 2,308 2,677 3.87
Maryland 10,473 9,895 2.41
Massachusetts 17,299 20,605 3.54
Michigan 14,383 13,631 2.65
Minnesota 14,459 15,081 4.04
Mississippi 2,293 2,558 2.25
Missouri 10,262 10,669 3.24
Montana 863 910 1.77
Nebraska 11,017 12,668 9.49
Nevada 4,184 5,004 2.93
New Hampshire 4,230 3,859 4.40
New Jersey 17,878 19,523 3.16
New Mexico 1,743 2,064 2.10
New York 62,132 73,601 4.27
North Carolina 11,546 11,776 2.00
North Dakota 1,249 1,281 2.34
Ohio 31,245 29,975 4.42
Oklahoma 3,333 3,319 1.77
Oregon 5,285 5,789 2.37
Pennsylvania 28,526 27,545 3.57
Rhode Island 3,113 3,143 5.19
South Carolina 5,369 6,029 2.46
South Dakota 1,329 1,393 2.54
Tennessee 10,116 12,048 3.26
Texas 43,917 44,552 2.51
Utah 3,806 4,429 2.24
Vermont 1,090 1,085 3.25
Virginia 9,238 10,423 1.90
Washington 8,642 10,297 1.70
West Virginia 1,467 1,656 2.18
Wisconsin 18,376 17,996 5.33
Wyoming 348 379 1.04
United States $604,481 $640,299 3.06%
Note: Last updated: October 1, 2021. Source: U.S. Department of Commerce, Bureau of Economic Analysis.

State taxes

Premium Taxes By State, Property/Casualty, Life/Annuity and Health Insurers, 2023 (1)
View Full Table
($000)
State Amount State Amount
Alabama $563,244 Montana $163,891
Alaska 63,446 Nebraska 87,723
Arizona 811,228 Nevada 546,898
Arkansas 374,949 New Hampshire 154,258
California 3,690,456 New Jersey 723,894
Colorado 533,490 New Mexico 388,600
Connecticut 254,304 New York 2,456,791
Delaware 145,896 North Carolina 1,169,639
D.C. 161,039 North Dakota 80,032
Florida 1,993,432 Ohio 767,006
Georgia 527,642 Oklahoma 333,261
Hawaii 210,527 Oregon 80,039
Idaho 139,362 Pennsylvania 939,974
Illinois 547,184 Rhode Island 154,474
Indiana 268,114 South Carolina 337,845
Iowa 173,028 South Dakota 105,088
Kansas 503,133 Tennessee 1,274,120
Kentucky 212,229 Texas 4,064,627
Louisiana 1,229,146 Utah 202,989
Maine 133,032 Vermont 72,313
Maryland 856,566 Virginia 733,514
Massachusetts 613,510 Washington 847,086
Michigan 471,261 West Virginia 187,006
Minnesota 752,517 Wisconsin 251,916
Mississippi 436,639 Wyoming 33,024
Missouri 516,480 United States $32,337,862
(1) Includes other insurance companies. Data are for each state's fiscal year. Source: U.S. Department of Commerce, Bureau of the Census.

Insurance companies by state

Domestic Insurance Companies By State, Property/Casualty And Life/Annuities, 2022
View Full Table
 
State Property/casualty Life/annuities State Property/casualty Life/annuities
Alabama 19 8 Montana 14 2
Alaska 4 0 Nebraska 51 32
Arizona 53 30 Nevada 11 0
Arkansas 13 17 New Hampshire 47 0
California 90 16 New Jersey 64 3
Colorado 10 15 New Mexico 20 0
Connecticut 64 26 New York 165 78
Delaware 102 26 North Carolina 55 11
D.C 5 0 North Dakota 14 3
Florida 110 10 Ohio 148 40
Georgia 22 14 Oklahoma 36 23
Hawaii 15 4 Oregon 16 2
Idaho 10 1 Pennsylvania 140 20
Illinois 197 49 Rhode Island 20 1
Indiana 58 24 South Carolina 20 6
Iowa 73 34 South Dakota 16 2
Kansas 21 11 Tennessee 29 16
Kentucky 9 8 Texas 212 124
Louisiana 33 27 Utah 12 16
Maine 11 3 Vermont 11 1
Maryland 19 4 Virginia 19 2
Massachusetts 47 16 Washington 5 5
Michigan 64 20 West Virginia 22 1
Minnesota 39 8 Wisconsin 153 18
Mississippi 17 12 Wyoming 2 0
Missouri 49 28 United States (1) 2,456 817
(1) Excludes territories. Excludes health insurers, risk retention groups, fraternals, title and other insurers. Source: 2022 Insurance Department Resources Report, 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, 2020
View Full Table
 
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 
Alabama  49 1,498 0 11 1,558
Alaska  6 1,137 0 0 1,143
Arizona  135 1,616 25 26 1,802
Arkansas  55 1,518 0 1 1,574
California  131 1,280 0 43 1,454
Colorado  50 1,504 9 41 1,604
Connecticut  102 1,271 0 35 1,408
Delaware  139 1,385 0 116 1,640
D.C.  47 1,355 0 15 1,417
Florida  437 1,651 14 48 2,150
Georgia  71 1,629 36 0 1,736
Hawaii  45 1,116 10 3 1,174
Idaho  19 1,376 17 2 1,414
Illinois  340 1,416 12 163 1,931
Indiana  134 1,665 22 20 1,841
Iowa  207 1,419 3 0 1,629
Kansas  45 1,541 17 13 1,616
Kentucky  52 1,563 10 0 1,625
Louisiana  104 1,501 23 2 1,630
Maine  22 1,197 18 1 1,238
Maryland  56 1,513 5 12 1,586
Massachusetts  78 1,386 21 4 1,489
Michigan  125 1,413 16 11 1,565
Minnesota  145 1,405 20 22 1,592
Mississippi  45 1,536 0 3 1,584
Missouri  181 1,546 12 10 1,749
Montana  34 1,412 0 4 1,450
Nebraska  114 1,473 6 5 1,598
Nevada  39 1,567 8 5 1,619
New Hampshire  60 1,237 0 0 1,297
New Jersey  119 1,356 51 22 1,548
New Mexico  32 2,604 0 0 2,636
New York  555 1,179 8 86 1,828
North Carolina  96 1,509 3 5 1,613
North Dakota  29 1,377 10 2 1,418
Ohio  258 1,539 0 25 1,822
Oklahoma  83 1,741 4 5 1,833
Oregon  44 1,453 0 5 1,502
Pennsylvania  238 1,596 13 33 1,880
Rhode Island  29 1,335 1 24 1,389
South Carolina  84 1,558 0 11 1,653
South Dakota  38 1,417 0 0 1,455
Tennessee  70 1,623 3 8 1,704
Texas  406 1,614 2 48 2,070
Utah  112 1,812 0 12 1,936
Vermont  109 1,197 0 9 1,315
Virginia  67 1,575 14 13 1,669
Washington  37 1,438 0 9 1,484
West Virginia  32 1,412 1 2 1,447
Wisconsin  333 1,668 0 7 2,008
Wyoming  4 1,435 1 1 1,441
Total U.S. (3) 5,929 (4) 415 943 7,287
(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 U.S. 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, 2020, 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

Tornadoes And Related Deaths By State, 2024 (1)
View Full Table
 
State Tornadoes Fatalities Rank (2) State Tornadoes Fatalities Rank (2)
Alabama 79 1 12 Montana 4 0 35
Alaska 0 0 (3) Nebraska 131 0 2
Arizona 6 0 32 Nevada 0 0 46
Arkansas 44 5 16 New Hampshire 2 0 38
California 6 0 32 New Jersey 1 0 39
Colorado 31 0 23 New Mexico 11 0 30
Connecticut 1 0 39 New York 32 1 21
Delaware 1 0 39 North Carolina 37 2 19
D.C. 0 0 (3) North Dakota 18 0 27
Florida 103 8 6 Ohio 82 3 10
Georgia 33 2 20 Oklahoma 91 8 8
Hawaii 0 0 (3) Oregon 3 0 36
Idaho 1 0 39 Pennsylvania 32 0 21
Illinois 126 0 4 Rhode Island 1 0 39
Indiana 61 1 13 South Carolina 48 0 15
Iowa 131 6 3 South Dakota 11 0 30
Kansas 89 1 9 Tennessee 23 1 24
Kentucky 57 1 14 Texas 169 9 1
Louisiana 92 3 7 Utah 3 0 36
Maine 0 0 46 Vermont 0 0 46
Maryland 16 0 28 Virginia 14 0 29
Massachusetts 1 0 39 Washington 1 0 39
Michigan 23 1 24 West Virginia 21 0 26
Minnesota 41 0 18 Wisconsin 42 0 17
Mississippi 81 0 11 Wyoming 5 0 34
Missouri 105 1 5 United States (4) 1,910 54  
(1) Numbers include preliminary estimates as of January 2025. Ranked by total number of tornadoes. (2) States with the same number of tornadoes receive the same ranking. (3) State had no tornadoes in 2024. (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, 2023
View Full Table
 
State Number of fires Number of acres burned
Alabama 1,856 18,335
Alaska 346 314,276
Arizona 1,837 188,483
Arkansas 147 5,659
California 7,364 332,722
Colorado 861 41,917
Connecticut 499 297
Delaware 1 0
District of Columbia 0 0
Florida 2,730 99,642
Georgia 2,386 10,330
Hawaii 214 12,059
Idaho 892 87,801
Illinois 22 111
Indiana 47 521
Iowa 6 6
Kansas 49 17,963
Kentucky 9 70
Louisiana 1,467 22,103
Maine 493 325
Maryland 196 4,486
Massachusetts 1,079 1,468
Michigan 466 4,287
Minnesota 836 9,416
Mississippi 2,383 52,508
Missouri 127 9,499
Montana 1,662 123,133
Nebraska 569 180,733
Nevada 375 1,300
New Hampshire 52 58
New Jersey 1,194 18,033
New Mexico 1,019 212,378
New York 150 1,383
North Carolina 5,214 73,953
North Dakota 471 4,183
Ohio 883 2,469
Oklahoma 1,580 162,489
Oregon 1,979 202,035
Pennsylvania 1,910 9,628
Puerto Rico 0 0
Rhode Island 78 582
South Carolina 22 591
South Dakota 177 945
Tennessee 772 15,394
Texas 7,102 210,264
Utah 782 18,109
Vermont 67 62
Virginia 43 12,085
Washington 1,707 151,316
West Virginia 1,124 45,679
Wisconsin 1,086 4,883
Wyoming 249 7,934
United States (1) 56,580 2,693,910
(1) Includes Puerto Rico. Totals for the United States do not match totals shown elsewhere by the National Interagency Fire Center due to the use of different exhibits. Source: National Interagency Fire Center.

Residual markets

Insurance Provided by Fair Plans By State, Fiscal Year 2023 (1)
View Full Table
 
  Number of policies    
State Habitational Commercial Total Exposure (2) ($000) Direct premiums written ($000)
California 311,456 9,136 320,592 $278,388,720 $867,783
Connecticut  1,284 47 1,331 269,989 1,654
Delaware 1,087 60 1,147 213,763 536
D.C. 115 11 126 51,640 131
Florida (3) 1,528,517 13,799 1,542,316 552,759,992 5,070,988
Georgia 8,558 549 9,107 1,754,733 13,951
Hawaii (4) 1,995 N/A 1,995 742,893 4,639
Illinois 1,755 51 1,806 296,551 3,504
Indiana 692 26 718 117,452 1,940
Iowa 955 15 970 59,776 898
Kansas 11,666 164 11,830 809,587 7,343
Kentucky 4,373 189 4,562 205,055 2,474
Louisiana (3) 172,994 11,175 184,169 46,072,483 618,060
Maryland 622 44 666 247,301 658
Massachusetts 194,378 193 194,571 98,009,485 339,568
Michigan 15,532 259 15,791 2,354,177 11,815
Minnesota 3,690 83 3,773 450,491 3,621
Mississippi (4) 2,501 0 2,501 149,625 1,864
Missouri 2,001 98 2,099 178,261 2,069
New Jersey 7,074 168 7,242 1,101,744 5,050
New Mexico 6,354 224 6,578 921,574 5,462
New York 19,376 1,311 20,687 7,447,000 28,314
North Carolina 219,770 8,028 227,798 43,561,755 206,262
Ohio 11,313 268 11,581 4,213,138 13,246
Oregon 1,923 108 2,031 502,312 1,960
Pennsylvania 8,946 816 9,762 1,111,612 4,709
Rhode Island 13,424 105 13,529 5,151,569 27,144
Texas (4) 79,401 0 79,401 16,275,783 113,460
Virginia 21,248 458 21,706 3,989,731 17,342
Washington 187 61 248 100,908 512
West Virginia 235 33 268 21,780 195
Wisconsin 4,035 114 4,149 551,664 2,825
Total 2,657,457 47,593 2,705,050 $1,068,082,544 $7,379,977

(1) Excludes the FAIR Plans of Arkansas. (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 Corporation, which combined the FAIR and Beach Plans. (4) The Hawaii, Mississippi and Texas FAIR Plans do not offer a commercial policy.

Source: Property Insurance Plans Service Office (PIPSO). 

Incurred losses by state

Incurred Losses By State, Property/Casualty Insurance, 2023 (1)
View Full Table
($000)
State Incurred losses State Incurred losses
Alabama $7,932,869 Montana $2,025,856
Alaska 1,025,399 Nebraska 5,372,466
Arizona 10,981,256 Nevada 5,924,381
Arkansas 6,423,348 New Hampshire 1,718,741
California 72,025,659 New Jersey 17,965,451
Colorado 15,238,969 New Mexico 3,454,938
Connecticut 7,005,190 New York 38,805,160
D.C. 1,116,105 North Carolina 13,744,918
Delaware 2,381,057 North Dakota 2,128,868
Florida 47,129,738 Ohio 14,596,857
Georgia 22,801,322 Oklahoma 8,366,866
Hawaii 4,669,909 Oregon 6,029,034
Idaho 2,948,163 Pennsylvania 19,228,027
Illinois 23,963,149 Rhode Island 2,033,900
Indiana 9,851,610 South Carolina 8,824,621
Iowa 6,968,028 South Dakota 2,492,708
Kansas 7,183,002 Tennessee 11,615,138
Kentucky 7,736,442 Texas 60,506,220
Louisiana 8,839,163 Utah 4,488,497
Maine 1,823,550 Vermont 969,148
Maryland 9,560,307 Virginia 10,576,704
Massachusetts 11,387,348 Washington 12,441,549
Michigan 15,492,036 West Virginia 2,082,174
Minnesota 12,537,510 Wisconsin 8,513,219
Mississippi 5,153,294 Wyoming 932,659
Missouri 11,481,010 United States $598,493,532
(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, 2019 (1)
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($000)
State Incurred losses State Incurred losses
Alaska $308,139 Montana $588,968
Alabama 2,258,109 Nebraska 911,323
Arizona 3,552,668 Nevada 1,798,167
Arkansas 1,278,682 New Hampshire 534,065
California 19,828,210 New Jersey 5,127,131
Colorado 3,611,420 New Mexico 933,190
Connecticut 2,025,687 New York 9,742,081
Delaware 658,301 North Carolina 4,416,542
D.C. 247,225 North Dakota 341,128
Florida 14,573,433 Ohio 4,138,688
Georgia 6,545,121 Oklahoma 1,624,033
Hawaii 491,485 Oregon 1,898,564
Idaho 635,120 Pennsylvania 5,987,024
Illinois 4,960,261 Rhode Island 644,406
Indiana 2,426,160 South Carolina 2,895,281
Iowa 1,133,148 South Dakota 366,509
Kansas 1,241,349 Tennessee 2,756,583
Kentucky 2,034,506 Texas 14,857,798
Louisiana 3,017,890 Utah 1,447,401
Maine 475,688 Vermont 220,562
Maryland 3,516,122 Virginia 3,823,270
Massachusetts 3,428,912 Washington 3,587,146
Michigan 5,871,429 West Virginia 773,648
Minnesota 2,517,671 Wisconsin 2,044,770
Mississippi 1,273,691 Wyoming 323,346
Missouri 2,687,254 United States $162,379,305
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Incurred Losses By State, Homeowners Insurance, 2019 (1)
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($000)
State Incurred losses State Incurred losses
Alabama $911,785 Montana $138,443
Alaska 78,263 Nebraska 831,422
Arizona 758,282 Nevada 310,490
Arkansas 450,791 New Hampshire 167,682
California 15,537,312 New Jersey 1,027,437
Colorado 1,847,521 New Mexico 399,164
Connecticut 530,780 New York 2,255,396
Delaware 101,998 North Carolina 1,239,572
D.C. 74,814 North Dakota 66,665
Florida 8,338,668 Ohio 1,382,572
Georgia 2,281,253 Oklahoma 733,822
Hawaii 124,226 Oregon 556,768
Idaho 256,968 Pennsylvania 1,450,507
Illinois 2,872,152 Rhode Island 156,012
Indiana 1,084,975 South Carolina 721,977
Iowa 656,054 South Dakota 186,924
Kansas 639,267 Tennessee 1,057,190
Kentucky 600,526 Texas 6,923,450
Louisiana 616,808 Utah 285,032
Maine 197,973 Vermont 91,470
Maryland 903,136 Virginia 1,294,734
Massachusetts 738,068 Washington 936,217
Michigan 1,477,520 West Virginia 191,015
Minnesota 1,855,159 Wisconsin 821,867
Mississippi 453,816 Wyoming 134,152
Missouri 1,323,972 United States $68,072,066
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.   Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Incurred Losses By State, Commercial Insurance, 2019 (1)
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($000)
State Incurred losses State Incurred losses
Alabama $1,793,587 Montana $919,776
Alaska 356,189 Nebraska 1,708,365
Arizona 2,327,020 Nevada 1,672,253
Arkansas 1,600,472 New Hampshire 468,357
California 21,356,376 New Jersey 6,785,945
Colorado 3,103,153 New Mexico 889,278
Connecticut 2,220,881 New York 15,514,275
Delaware 688,956 North Carolina 3,702,391
D.C. 378,394 North Dakota 1,273,448
Florida 14,534,813 Ohio 4,238,179
Georgia 5,610,805 Oklahoma 1,893,782
Hawaii 584,652 Oregon 1,868,227
Idaho 850,249 Pennsylvania 7,314,696
Illinois 8,527,029 Rhode Island 525,819
Indiana 2,861,556 South Carolina 2,250,933
Iowa 1,879,763 South Dakota 1,591,974
Kansas 1,784,301 Tennessee 2,336,953
Kentucky 1,875,461 Texas 17,492,038
Louisiana 2,971,976 Utah 1,123,346
Maine 566,361 Vermont 328,064
Maryland 2,789,339 Virginia 2,822,991
Massachusetts 3,638,401 Washington 2,946,766
Michigan 3,848,514 West Virginia 644,046
Minnesota 3,862,174 Wisconsin 3,185,911
Mississippi 1,262,239 Wyoming 351,323
Missouri 3,507,667 United States $178,629,467
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.   Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Incurred Losses By State, Workers Compensation Insurance, 2019 (1)
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($000)
State Incurred losses State Incurred losses
Alabama $143,564 Montana $154,455
Alaska 69,449 Nebraska 190,479
Arizona 411,633 Nevada 186,877
Arkansas 113,937 New Hampshire 75,221
California 4,631,636 New Jersey 1,327,417
Colorado 481,069 New Mexico 132,515
Connecticut 361,742 New York 1,381,092
Delaware 47,974 North Carolina 519,760
D.C. 75,748 North Dakota 110
Florida 1,546,007 Ohio 11,753
Georgia 746,776 Oklahoma 182,901
Hawaii 151,164 Oregon 394,994
Idaho 314,351 Pennsylvania 1,470,850
Illinois 1,078,842 Rhode Island 125,915
Indiana 354,699 South Carolina 404,220
Iowa 365,676 South Dakota 88,499
Kansas 217,942 Tennessee 297,401
Kentucky 353,353 Texas 922,526
Louisiana 397,280 Utah 208,654
Maine 148,236 Vermont 107,798
Maryland 441,939 Virginia 508,363
Massachusetts 756,459 Washington -14,301
Michigan 323,267 West Virginia 99,646
Minnesota 504,421 Wisconsin 1,068,062
Mississippi 159,864 Wyoming -205
Missouri 509,373 United States $24,551,401
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Life Insurance Claims And Benefits Paid By State, 2019 (1)
View Full Table
($000)
State Incurred losses State Incurred losses
Alabama $6,346,204 Montana $1,251,800
Alaska 1,209,744 Nebraska 4,147,955
Arizona 10,731,228 Nevada 3,700,350
Arkansas 3,455,412 New Hampshire 3,041,513
California 54,149,695 New Jersey 23,448,834
Colorado 9,135,183 New Mexico 2,320,059
Connecticut 20,431,775 New York 46,376,639
Delaware 11,815,090 North Carolina 15,544,519
D.C. 2,297,225 North Dakota 1,262,696
Florida 40,497,609 Ohio 21,500,084
Georgia 15,920,046 Oklahoma 4,395,394
Hawaii 2,699,710 Oregon 6,152,166
Idaho 2,181,859 Pennsylvania 28,324,239
Illinois 21,548,170 Rhode Island 2,122,265
Indiana 10,924,080 South Carolina 7,353,026
Iowa 10,236,743 South Dakota 1,461,123
Kansas 4,800,137 Tennessee 10,303,027
Kentucky 6,447,731 Texas 33,996,071
Louisiana 6,846,844 Utah 4,765,669
Maine 2,307,339 Vermont 1,231,078
Maryland 10,586,801 Virginia 13,333,591
Massachusetts 19,845,463 Washington 10,668,287
Michigan 19,620,725 West Virginia 2,421,391
Minnesota 14,140,167 Wisconsin 11,207,735
Mississippi 3,222,378 Wyoming 824,487
Missouri 12,813,454 United States $585,364,809
(1) On a direct basis before reinsurance. Includes life insurance, death benefits, matured endowments, annuity benefits, and other life insurance benefits. Does not include accident and health benefits. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Insured homes by state

Percent Of Occupied Housing Units That Are Owner Occupied, 2023
View Full Table
 
State Percent Rank (1) State Percent Rank (1)
Alabama 70.1% 14 Montana 69.2% 19
Alaska 66.3 32 Nebraska 66.3 32
Arizona 67.7 27 Nevada 60.4 48
Arkansas 66.2 35 New Hampshire 72.4 7
California 55.9 49 New Jersey 63.7 41
Colorado 65.7 37 New Mexico 69.3 18
Connecticut 65.7 37 New York 54.1 50
Delaware 73.6 3 North Carolina 66.3 32
D.C. 39.1 51 North Dakota 63.7 41
Florida 68.1 22 Ohio 67.1 30
Georgia 66.1 36 Oklahoma 65.1 39
Hawaii 62.4 46 Oregon 63.4 44
Idaho 72.5 6 Pennsylvania 69.5 16
Illinois 67.4 28 Rhode Island 64.0 40
Indiana 70.4 13 South Carolina 72.4 7
Iowa 71.8 10 South Dakota 69.4 17
Kansas 66.7 31 Tennessee 67.3 29
Kentucky 68.8 20 Texas 62.6 45
Louisiana 68.1 22 Utah 70.1 14
Maine 74.4 1 Vermont 73.2 5
Maryland 67.9 24 Virginia 67.8 26
Massachusetts 62.3 47 Washington 63.7 41
Michigan 73.7 2 West Virginia 73.5 4
Minnesota 72.0 9 Wisconsin 67.9 24
Mississippi 71.1 12 Wyoming 71.2 11
Missouri 68.8 20 United States 65.2%  
(1) States with the same percentages receive the same rank. Source: U.S. Department of Commerce, Census Bureau; American Community Survey.

Businesses by state

US Small Businesses by State, 2021 (1)
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State Number of establishments Employment Annual payroll ($000)
Alabama 81,238 802,607 $37,098,846
Alaska 18,568 133,542 7,917,411
Arizona 124,948 1,112,573 56,229,537
Arkansas 55,360 488,761 20,582,840
California 866,596 6,984,850 469,638,082
Colorado 152,739 1,147,398 65,636,914
Connecticut 72,556 678,339 42,162,832
Delaware 23,342 201,082 11,822,839
District of Columbia 18,553 233,078 21,238,970
Florida 525,313 3,627,360 178,197,340
Georgia 206,737 1,738,386 86,935,350
Hawaii 27,240 237,707 11,889,117
Idaho 47,818 365,278 15,712,464
Illinois 268,603 2,297,858 137,662,082
Indiana 119,043 1,211,410 55,927,078
Iowa 68,844 616,917 28,679,446
Kansas 61,257 583,244 26,976,631
Kentucky 71,363 685,426 29,966,073
Louisiana 88,205 867,762 40,869,108
Maine 36,803 275,484 13,302,601
Maryland 116,134 1,108,477 66,785,297
Massachusetts 150,499 1,395,629 100,696,145
Michigan 185,683 1,786,708 91,781,014
Minnesota 127,792 1,191,917 63,503,579
Mississippi 47,219 430,256 16,913,525
Missouri 123,065 1,111,927 52,260,634
Montana 36,266 250,638 10,973,498
Nebraska 46,983 414,068 19,100,783
Nevada 60,182 524,247 26,473,996
New Hampshire 32,162 294,022 16,998,712
New Jersey 199,922 1,729,162 104,530,252
New Mexico 35,535 322,131 14,387,092
New York 471,755 3,650,553 244,310,569
North Carolina 200,691 1,724,657 80,485,366
North Dakota 21,120 189,834 9,581,144
Ohio 199,219 2,090,411 100,860,582
Oklahoma 78,051 695,957 30,604,887
Oregon 104,022 843,267 43,312,954
Pennsylvania 246,799 2,395,971 123,939,749
Rhode Island 24,625 211,008 11,304,840
South Carolina 93,441 822,949 36,171,085
South Dakota 24,300 207,825 9,092,494
Tennessee 110,847 1,126,869 55,047,374
Texas 515,084 4,851,486 255,318,237
Utah 77,905 654,553 32,541,091
Vermont 18,200 147,457 7,464,192
Virginia 166,419 1,536,230 87,836,113
Washington 170,045 1,364,128 82,762,610
West Virginia 27,069 248,030 10,072,390
Wisconsin 116,812 1,212,423 58,848,761
Wyoming 19,693 129,426 6,277,560
United States 6,782,665 58,951,278 $3,228,682,086
(1)Number of establishments with less than 500 employees. Including the District of Columbia. Source: U.S. Census.