A Firm Foundation: How Insurance Supports the Economy

A 50-State Commitment

Employment

Insurance Carriers And Related Activities Employment By State, 2022 (1)
 
State Number of employees State Number of employees
Alabama 35,570  Montana 7,520 
Alaska 1,953  Nebraska 28,145 
Arizona 73,616  Nevada 20,175 
Arkansas 19,584  New Hampshire 13,479 
California 242,214  New Jersey 87,774 
Colorado 51,275  New Mexico 11,851 
Connecticut 59,402  New York 161,438 
Delaware 7,057  North Carolina 85,927 
D.C. 3,804  North Dakota 7,706 
Florida 232,429  Ohio 128,500 
Georgia 109,348  Oklahoma 24,692 
Hawaii 7,403  Oregon 27,938 
Idaho 13,853  Pennsylvania 139,442 
Illinois 138,230  Rhode Island 11,642 
Indiana 57,497  South Carolina 40,154 
Iowa 52,254  South Dakota 8,505 
Kansas 30,367  Tennessee 60,516 
Kentucky 37,305  Texas 279,717 
Louisiana 29,011  Utah 25,631 
Maine 12,403  Vermont 4,206 
Maryland 37,042  Virginia 64,293 
Massachusetts 74,102  Washington 47,285 
Michigan 73,388  West Virginia 9,731 
Minnesota 66,573  Wisconsin 76,198 
Mississippi 14,100  Wyoming 2,840 
Missouri 64,915  United States 2,920,000 
(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 2023. Source: U.S. Department of Commerce, Bureau of Economic Analysis, Regional Economic Information System.
Insurance Carriers And Related Activities Compensation By State, 2018-2019
($000)
  Annual payroll   Annual payroll
State 2018 2019 State 2018 2019
Alabama $2,953,054 $3,041,209 Montana $521,142 $556,493
Alaska 180,978 184,126 Nebraska 2,627,388 2,751,817
Arizona 5,505,373 6,187,208 Nevada 1,401,568 1,485,499
Arkansas 1,324,728 1,416,992 New Hampshire 1,408,296 1,476,467
California 28,177,592 29,078,238 New Jersey 12,479,454 12,908,423
Colorado 4,730,097 5,115,316 New Mexico 821,742 898,693
Connecticut 9,940,104 9,739,181 New York 21,991,902 22,450,028
Delaware 668,549 691,912 North Carolina 6,830,276 7,412,835
District of Columbia 752,970 765,156 North Dakota 631,058 648,395
Florida 18,392,331 19,318,084 Ohio 11,865,289 12,118,535
Georgia 9,212,675 9,839,687 Oklahoma 1,877,754 1,920,143
Hawaii 751,837 776,250 Oregon 2,707,920 2,823,215
Idaho 850,910 908,981 Pennsylvania 14,226,568 14,790,357
Illinois 15,715,046 16,692,962 Rhode Island 1,061,854 1,111,774
Indiana 4,828,391 5,083,382 South Carolina 2,870,402 2,973,084
Iowa 4,851,108 5,122,139 South Dakota 666,160 690,633
Kansas 2,758,009 2,845,974 Tennessee 5,439,930 5,640,466
Kentucky 3,543,836 3,604,422 Texas 22,458,499 24,204,813
Louisiana 2,390,246 2,392,003 Utah 1,959,684 2,051,308
Maine 1,135,830 1,167,429 Vermont 429,048 447,058
Maryland 4,365,363 4,437,869 Virginia 5,833,315 6,118,664
Massachusetts 9,622,191 10,079,860 Washington 4,753,115 5,005,754
Michigan 6,141,718 6,562,282 West Virginia 655,434 672,581
Minnesota 8,005,827 8,457,170 Wisconsin 6,506,231 6,887,373
Mississippi 997,871 1,049,658 Wyoming 179,237 185,838
Missouri 5,565,100 6,052,264 United States $285,565,000 $298,840,000
Source: Regional Economic Information System, Bureau of Economic Analysis, U.S. Department of Commerce.

Premiums

Direct Premiums Written, P/C Insurance By State, 2022 (1)
($000)
State Total, all lines State Total, all lines
Alabama $11,716,215 Montana $3,463,887
Alaska 1,852,814 Nebraska 6,904,731
Arizona 15,629,400 Nevada 7,673,000
Arkansas 7,014,809 New Hampshire 3,045,198
California 104,899,591 New Jersey 26,686,284
Colorado 18,256,356 New Mexico 4,409,436
Connecticut 10,652,031 New York 58,997,898
D.C. 2,606,309 North Carolina 21,718,434
Delaware 3,515,643 North Dakota 3,628,847
Florida 75,754,056 Ohio 21,195,930
Georgia 29,010,823 Oklahoma 10,305,716
Hawaii 3,182,810 Oregon 9,365,253
Idaho 4,396,734 Pennsylvania 30,140,258
Illinois 33,307,419 Rhode Island 3,056,359
Indiana 14,924,567 South Carolina 13,282,307
Iowa 9,149,372 South Dakota 3,671,373
Kansas 8,890,216 Tennessee 15,563,305
Kentucky 9,271,062 Texas 80,475,416
Louisiana 14,812,427 Utah 7,181,285
Maine 3,002,428 Vermont 1,492,710
Maryland 14,860,314 Virginia 18,087,161
Massachusetts 19,648,888 Washington 16,580,372
Michigan 22,571,240 West Virginia 3,341,671
Minnesota 15,532,897 Wisconsin 13,366,412
Mississippi 6,847,421 Wyoming 1,593,760
Missouri 15,553,278 United States (2) $862,086,123
(1) Before reinsurance transactions, includes state funds, excludes territories. (2) Data for the total United States may differ from similar data shown elsewhere due to the use of different exhibits from S&P Global Market Intelligence. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Life/Annuity Insurers Direct Premiums Written And Annuity Considerations By State, 2023 (1)
($ 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, 2022 (1)
($000)
  Private passenger auto Commercial auto      
State Liability Coll./Comp. Liability Coll./Comp. Homeowners multiple peril Farmowners multi peril Commercial multi peril
Alabama $2,182,999 $1,882,444 $610,897 $220,573 $2,337,365 $94,675 $821,398
Alaska 299,630 242,690 73,998 23,894 205,077 824 112,225
Arizona 3,800,911 2,684,468 883,672 216,563 2,335,487 19,954 834,032
Arkansas 1,205,673 1,135,557 370,958 162,330 1,227,304 89,332 453,981
California 17,829,570 14,851,319 5,772,260 1,400,012 12,375,311 228,279 6,536,784
Colorado 3,336,746 2,725,368 734,149 264,463 3,798,806 113,135 1,177,366
Connecticut 2,010,996 1,252,932 469,082 123,366 1,848,454 8,151 802,642
Delaware 661,325 334,717 166,338 35,905 382,057 9,026 338,672
D.C. 210,620 183,829 62,396 11,082 199,973 0 206,650
Florida 17,956,707 7,395,109 4,333,806 660,131 14,365,690 26,255 2,947,726
Georgia 7,371,055 3,889,786 2,071,833 438,153 4,591,153 168,597 1,482,926
Hawaii 444,796 392,196 104,073 31,941 461,010 0 238,795
Idaho 726,801 615,818 208,301 105,354 595,444 84,801 318,099
Illinois 4,459,710 4,028,198 1,944,724 690,546 4,880,305 233,479 2,220,963
Indiana 2,377,827 2,037,183 805,663 352,237 2,522,171 225,402 1,070,231
Iowa 947,440 1,156,164 375,749 240,129 1,089,486 271,310 591,024
Kansas 1,088,956 1,108,514 309,067 174,348 1,509,052 290,816 513,195
Kentucky 2,088,147 1,260,113 460,150 160,613 1,477,691 180,048 649,918
Louisiana 3,109,226 1,852,866 887,749 163,029 2,458,364 16,075 695,381
Maine 443,785 439,641 135,504 68,619 539,789 6,893 318,713
Maryland 3,328,950 2,383,728 742,727 219,293 2,462,179 33,994 809,658
Massachusetts 3,092,551 2,608,985 853,930 318,180 3,055,387 4,990 1,658,969
Michigan 5,247,376 3,980,606 955,007 451,222 3,458,624 161,823 1,402,357
Minnesota 2,195,444 2,113,611 559,546 300,743 2,974,121 191,955 942,030
Mississippi 1,192,230 1,056,561 425,811 142,981 1,323,063 33,167 444,598
Missouri 2,511,086 2,226,119 702,483 318,222 2,747,131 227,842 1,050,224
Montana 438,820 501,833 149,824 94,484 526,604 104,613 265,933
Nebraska 742,582 765,398 241,646 163,929 1,071,005 308,695 394,545
Nevada 2,188,685 923,193 629,483 87,131 842,708 8,368 464,248
New Hampshire 479,137 500,276 135,645 56,985 522,142 3,595 314,636
New Jersey 5,539,185 2,900,087 1,882,944 324,627 3,418,762 4,276 1,935,612
New Mexico 986,327 697,435 247,902 72,811 726,198 30,983 298,334
New York 9,655,254 5,620,328 2,863,186 471,185 6,814,557 54,883 5,037,255
North Carolina 3,761,045 3,851,968 1,111,809 390,993 3,729,599 71,092 1,290,199
North Dakota 227,798 320,580 108,622 88,941 282,639 148,444 181,405
Ohio 3,854,310 3,478,116 1,195,219 460,298 3,680,758 199,043 1,616,230
Oklahoma 1,610,834 1,534,331 498,539 197,821 2,141,649 197,395 709,687
Oregon 2,165,992 1,205,642 470,637 150,991 1,209,347 91,969 673,263
Pennsylvania 4,933,081 4,673,627 1,579,341 620,222 4,232,845 118,720 2,251,953
Rhode Island 658,603 375,251 121,554 38,803 540,047 552 215,011
South Carolina 3,297,761 1,921,135 625,645 178,553 2,384,267 21,268 716,383
South Dakota 278,355 416,361 103,974 88,753 373,652 162,058 202,173
Tennessee 2,677,706 2,462,371 745,862 328,855 2,764,344 182,237 1,029,763
Texas 14,514,450 11,988,893 5,304,970 1,346,466 13,448,367 435,276 4,106,101
Utah 1,680,595 1,018,713 386,656 132,699 827,919 20,811 424,853
Vermont 178,484 226,418 59,183 34,376 246,415 17,083 166,782
Virginia 3,647,090 2,941,252 832,300 297,539 3,135,437 88,889 1,075,860
Washington 3,719,244 2,250,999 847,563 267,408 2,484,205 91,900 1,161,734
West Virginia 677,015 648,801 157,151 61,623 526,075 18,898 251,393
Wisconsin 1,819,037 1,808,011 574,354 305,798 1,873,384 218,798 923,200
Wyoming 195,126 293,855 77,464 49,527 294,939 39,841 142,096
United States $160,047,070 $117,163,395 $45,971,344 $13,604,748 $133,318,353 $5,360,511 $54,487,203
(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, 2022 (1) (Cont’d)
($000)
State Workers compensation Excess workers compensation Medical professional liability Product liability Other liability Fire Allied lines
Alabama $418,003 $22,126 $170,446 $52,833 $1,057,561  $330,316 $348,894
Alaska 182,521 3,913 25,118 6,938 203,924 69,143 42,640
Arizona 865,450 17,292 239,672 80,409 1,694,933 237,095 238,405
Arkansas 254,552 8,450 79,762 24,944 643,086 220,287 191,221
California 11,631,091 233,980 968,362 699,507 16,001,244 2,516,500 1,471,882
Colorado 1,027,206 17,283 187,932 100,438 2,231,996 316,167 359,894
Connecticut 742,221 23,222 253,052 59,606 1,667,154 188,540 196,443
Delaware 189,781 2,015 37,766 15,771 748,056 44,656 36,600
D.C. 158,900 4,977 32,316 10,664 779,639 69,634 59,585
Florida 3,248,415 76,572 915,063 327,171 9,293,948 1,958,801 4,858,552
Georgia 1,827,359 44,727 401,916 139,218 3,018,153 548,080 476,672
Hawaii 321,921 8,547 40,129 11,885 429,003 144,044 184,454
Idaho 620,311 1,993 42,352 24,805 387,988 71,084 59,409
Illinois 2,417,169 55,555 546,501 219,952 5,657,033 772,979 526,553
Indiana 839,865 15,338 165,161 131,304 1,471,076 402,286 272,495
Iowa 696,353 10,500 75,120 50,515 897,513 227,016 207,964
Kansas 412,216 9,376 100,552 41,127 705,424 164,648 239,319
Kentucky 552,990 15,161 133,802 36,588 774,473 199,819 172,803
Louisiana 874,834 52,608 116,076 53,101 1,315,676 578,887 923,737
Maine 280,333 3,515 52,816 13,153 269,094 68,036 62,196
Maryland 920,566 14,624 372,609 59,322 1,657,517 228,771 204,554
Massachusetts 1,350,910 25,031 363,551 151,017 3,471,020 428,483 410,591
Michigan 1,036,807 26,188 251,152 123,385 2,110,806 442,253 278,359
Minnesota 994,192 1,480 103,419 115,990 1,798,030 321,761 449,568
Mississippi 347,296 10,743 58,032 21,534 486,245 210,247 214,627
Missouri 1,038,287 36,216 202,794 76,246 1,678,213 352,647 327,107
Montana 287,703 5,341 40,887 15,734 294,655 59,094 59,725
Nebraska 391,080 5,266 49,813 26,301 530,609 119,152 140,827
Nevada 461,468 21,246 99,791 41,580 866,711 158,722 124,944
New Hampshire 228,355 6,617 58,752 17,120 317,626 54,142 43,582
New Jersey 2,586,376 38,514 522,667 219,356 3,884,570 520,179 443,638
New Mexico 297,774 6,002 66,601 13,554 357,156 68,171 67,118
New York 5,109,705 58,140 1,764,356 328,002 13,017,859 1,249,357 1,006,476
North Carolina 1,446,028 25,973 199,331 130,637 2,204,757 456,949 530,815
North Dakota 5,322 5 13,869 16,040 233,681 67,155 59,328
Ohio 18,884 77,706 265,015 147,940 2,581,085 551,747 420,180
Oklahoma 639,592 10,912 116,424 44,849 849,510 270,589 311,971
Oregon 752,076 9,142 116,605 65,475 986,386 190,943 131,329
Pennsylvania 2,507,256 39,320 912,565 167,095 4,286,908 631,751 488,602
Rhode Island 225,045 2,371 37,431 13,692 382,433 58,984 68,876
South Carolina 865,821 11,657 90,527 68,404 1,012,219 450,124 304,680
South Dakota 181,201 1,792 18,312 17,508 196,905 58,345 60,871
Tennessee 826,133 18,925 263,279 96,570 1,667,967 411,460 367,916
Texas 2,560,211 28,668 506,576 421,162 9,465,243 2,984,814 2,682,745
Utah 549,394 5,056 79,530 55,941 904,213 131,557 87,869
Vermont 176,159 1,944 21,141 8,824 148,227 31,407 23,202
Virginia 1,007,109 22,513 234,256 74,366 2,216,993 314,567 301,427
Washington 26,160 33,352 232,144 103,613 2,172,440 374,306 259,327
West Virginia 244,923 5,868 72,142 9,699 268,570 77,927 52,774
Wisconsin 1,975,250 11,671 86,694 110,384 1,514,626 311,566 253,270
Wyoming 5,596 131 19,837 6,967 168,497 35,772 33,052
United States $56,624,168 $1,189,563 $11,824,013 $4,868,235 $110,978,652 $20,750,960 $21,139,068
(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, 2022 (1) (Cont’d)
($000)
State Inland marine Ocean marine Surety Fidelity Burglary and theft Boiler and machinery Financial guaranty
Alabama $470,874 $58,994 $109,808 $14,250 $5,841 $36,438 $2,739
Alaska 93,244 44,606 39,970 2,877 940 13,711 193
Arizona 595,512 37,252 164,241 17,232 8,537 32,200 1,272
Arkansas 303,073 24,133 51,927 9,834 3,122 24,494 446
California 4,210,437 487,834 1,050,332 171,936 66,915 198,359 63,924
Colorado 675,817 28,277 198,248 29,014 9,532 34,722 4,586
Connecticut 451,967 95,825 73,319 28,584 7,363 26,869 2,053
Delaware 175,866 16,467 31,507 6,586 2,014 8,011 18,309
D.C. 162,854 7,412 226,402 17,595 4,793 7,832 6,749
Florida 2,211,430 620,943 560,481 76,040 32,922 97,838 7,234
Georgia 1,021,246 90,225 223,857 37,355 19,612 73,517 771
Hawaii 0 26,001 0 4,739 1,239 7,232 3,702
Idaho 177,391 15,468 34,683 3,890 1,801 13,712 38
Illinois 1,144,059 203,510 289,596 76,457 34,904 103,695 8,919
Indiana 529,223 37,951 130,340 20,639 9,650 57,346 1,989
Iowa 307,608 13,466 64,194 13,836 4,359 33,625 1,191
Kansas 268,481 13,170 58,879 12,551 5,092 29,091 1,431
Kentucky 351,861 36,878 88,089 10,956 4,513 40,832 4,757
Louisiana 582,702 171,832 152,499 14,640 5,879 53,014 1,578
Maine 129,521 41,914 26,358 5,327 1,053 12,071 505
Maryland 531,288 139,223 228,580 28,279 10,077 35,603 1,613
Massachusetts 817,787 145,445 182,289 58,543 14,269 52,373 4,496
Michigan 777,947 133,013 141,367 36,409 15,454 87,203 5,179
Minnesota 535,501 43,637 94,229 30,264 10,795 53,609 644
Mississippi 301,055 29,413 60,002 8,027 2,522 19,351 263
Missouri 552,637 49,980 103,970 26,836 9,465 41,798 6,494
Montana 125,929 5,572 43,439 3,714 1,877 8,187 219
Nebraska 241,349 6,671 52,818 8,678 2,763 19,659 935
Nevada 285,477 10,474 104,875 8,491 4,036 19,429 540
New Hampshire 144,307 17,723 23,792 6,164 1,600 9,667 0
New Jersey 1,038,522 210,374 209,883 47,618 17,068 67,500 5,466
New Mexico 152,825 3,401 64,478 4,625 1,232 10,854 228
New York 2,392,776 527,766 601,256 184,467 47,082 155,560 134,855
North Carolina 999,223 118,640 224,631 44,082 14,278 60,795 2,801
North Dakota 110,895 2,788 31,817 3,373 951 17,528 473
Ohio 905,364 80,318 183,090 43,799 25,497 97,774 2,305
Oklahoma 350,657 19,923 91,415 13,353 3,794 28,056 88
Oregon 406,166 45,364 116,146 11,938 5,590 28,491 262
Pennsylvania 1,138,753 101,141 296,698 57,361 21,940 101,040 19,677
Rhode Island 115,486 40,133 30,075 5,465 1,960 9,611 0
South Carolina 533,861 52,050 107,829 12,474 5,121 34,918 5,105
South Dakota 99,047 1,971 32,700 3,658 933 10,854 254
Tennessee 673,936 93,460 139,191 22,414 10,211 46,394 218
Texas 3,292,897 418,910 907,329 96,476 57,699 200,539 35,410
Utah 284,216 22,613 78,802 10,462 4,021 16,743 213
Vermont 69,559 4,139 9,735 2,542 768 6,566 40
Virginia 733,845 134,942 237,173 38,906 14,175 46,773 483
Washington 879,790 191,007 177,463 24,127 9,598 45,588 792
West Virginia 101,588 4,883 48,755 4,216 889 12,109 229
Wisconsin 470,785 57,557 79,568 26,117 10,405 62,385 1,012
Wyoming 71,788 1,313 58,151 1,769 539 11,672 0
United States $32,998,422 $4,786,003 $8,336,276 $1,448,985 $556,688 $2,323,239 $362,677
(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, 2022 (1) (Cont'd)
($000)
State Aircraft Earthquake Federal flood Credit Warranty Accident and health
Alabama $29,225 $10,516 $27,066 $43,696 $16,442 $110,832
Alaska 70,292 55,277 745 3,107 567 12,003
Arizona 76,087 19,644 13,528 22,239 35,960 133,079
Arkansas 36,559 50,713 8,559 21,562 10,507 61,325
California 261,210 2,959,348 121,951 195,426 275,137 791,834
Colorado 84,036 17,161 11,024 33,478 41,224 107,368
Connecticut 35,749 13,895 34,370 34,632 11,930 67,986
Delaware 24,141 1,912 13,705 14,458 31,323 122,758
D.C. 5,718 5,514 1,020 22,183 64 96,394
Florida 230,097 46,594 897,334 166,469 844,476 334,115
Georgia 87,748 22,143 40,589 62,331 56,013 211,360
Hawaii 13,224 25,630 33,046 8,889 2,887 10,951
Idaho 23,884 10,239 3,321 5,761 3,664 30,574
Illinois 105,862 114,174 20,580 94,591 337,908 389,756
Indiana 40,460 54,399 11,724 40,561 46,913 421,279
Iowa 20,390 7,435 8,740 21,374 4,377 83,569
Kansas 34,114 10,405 5,123 24,451 212,842 71,280
Kentucky 13,595 56,610 11,773 41,057 10,177 81,372
Louisiana 50,863 7,723 259,323 33,050 6,897 87,627
Maine 7,733 2,782 6,198 8,022 6,131 15,420
Maryland 35,370 16,951 23,486 20,628 20,434 83,874
Massachusetts 47,821 42,252 51,149 55,045 43,734 131,025
Michigan 47,616 11,282 11,931 53,533 578,421 183,822
Minnesota 49,769 6,128 5,214 26,419 21,885 83,935
Mississippi 20,504 28,094 37,393 25,268 4,981 63,347
Missouri 30,850 137,690 15,052 40,048 33,504 165,350
Montana 23,162 9,447 2,383 1,682 807 23,965
Nebraska 23,809 2,996 5,196 7,690 4,241 94,320
Nevada 45,377 61,116 5,770 5,703 2,751 33,524
New Hampshire 13,624 2,759 6,157 14,436 5,089 23,966
New Jersey 32,671 46,115 153,603 96,205 46,285 200,655
New Mexico 13,851 4,857 6,555 8,336 5,753 33,761
New York 80,691 94,656 148,751 258,396 73,602 676,182
North Carolina 70,421 23,483 76,501 48,136 52,512 180,253
North Dakota 13,982 925 4,299 1,964 1,114 10,855
Ohio 100,574 40,693 19,504 76,770 83,451 245,954
Oklahoma 30,067 18,979 6,552 25,304 11,241 65,908
Oregon 48,997 162,088 14,516 10,749 7,775 74,220
Pennsylvania 60,111 27,387 44,643 67,977 63,214 341,054
Rhode Island 10,812 3,521 9,810 7,332 3,587 50,258
South Carolina 25,192 61,840 93,409 26,486 13,016 82,618
South Dakota 14,383 928 2,065 7,278 2,856 15,219
Tennessee 56,192 128,858 19,078 50,062 17,850 168,752
Texas 290,932 58,502 387,537 622,495 253,578 568,114
Utah 41,279 117,289 1,823 21,896 73,641 47,648
Vermont 3,149 1,926 3,609 3,077 8,022 19,402
Virginia 62,580 27,889 48,801 54,878 27,407 139,674
Washington 55,876 365,264 20,893 33,491 130,458 88,900
West Virginia 4,771 1,691 10,501 8,481 4,701 35,564
Wisconsin 34,136 9,754 7,545 27,054 52,293 136,913
Wyoming 11,564 6,402 1,061 2,642 922 18,402
United States $2,651,122 $5,013,872 $2,774,506 $2,606,801 $3,604,564 $7,328,317
(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, 2022 (1) (Cont'd)
($000)
State Multiple peril crop Private crop Mortgage guaranty Miscellaneous Private flood
Alabama $111,401 $1,085 $35,355 $66,127 $14,593
Alaska 142 0 2,076 17,569 2,960
Arizona 128,753 4,211 12,995 148,499 18,821
Arkansas 253,651 34,283 10,606 37,475 5,075
California 632,398 13,723 126,467 504,379 113,701
Colorado 362,345 19,207 44,026 138,799 17,652
Connecticut 9,542 1 7,058 74,484 19,859
Delaware 16,110 173 2,243 22,047 4,380
D.C. 0 0 25,563 21,512 4,085
Florida 205,035 613 264,038 447,263 247,186
Georgia 311,265 3,800 41,881 202,974 22,980
Hawaii 1,980 0 2,577 18,961 12,884
Idaho 151,327 15,446 3,148 36,159 3,430
Illinois 1,247,206 155,739 42,115 246,120 34,609
Indiana 643,109 41,972 17,317 113,265 17,978
Iowa 1,516,334 145,836 8,145 51,780 6,325
Kansas 1,341,995 73,488 8,713 45,630 5,344
Kentucky 260,357 9,031 5,377 48,416 10,505
Louisiana 154,388 5,503 24,693 63,413 28,920
Maine 12,289 0 1,411 18,812 2,778
Maryland 48,514 153 24,234 158,205 13,322
Massachusetts 4,949 0 42,989 114,437 32,668
Michigan 318,282 8,776 42,525 177,187 14,813
Minnesota 1,152,008 160,166 39,777 148,591 8,430
Mississippi 210,038 5,018 27,728 27,393 9,500
Missouri 640,782 44,612 48,034 94,220 12,187
Montana 345,575 636 1,966 15,980 3,208
Nebraska 1,043,545 392,139 8,922 33,681 4,398
Nevada 68,423 4,899 4,347 76,881 8,001
New Hampshire 747 0 3,714 28,570 3,421
New Jersey 7,721 0 32,298 165,972 74,996
New Mexico 117,058 2,542 7,563 30,096 4,881
New York 96,110 428 166,050 201,785 94,008
North Carolina 356,007 5,069 29,795 178,762 28,059
North Dakota 1,535,938 119,809 840 16,103 1,362
Ohio 470,604 19,141 50,518 177,057 25,336
Oklahoma 422,180 7,218 15,227 52,163 7,159
Oregon 105,186 4,418 7,833 83,863 11,502
Pennsylvania 81,648 897 32,659 195,043 39,182
Rhode Island 131 0 2,519 17,164 6,364
South Carolina 127,124 329 10,425 91,463 28,939
South Dakota 1,213,755 88,074 2,143 13,636 1,268
Tennessee 145,913 3,874 16,807 105,447 18,337
Texas 2,122,501 35,544 116,253 517,355 131,336
Utah 31,766 435 11,100 73,757 4,533
Vermont 6,290 0 269 11,609 1,917
Virginia 105,090 1,455 35,060 165,351 20,648
Washington 301,570 18,790 22,892 167,055 19,016
West Virginia 4,174 9 2,876 16,849 6,522
Wisconsin 456,518 21,256 12,144 104,495 10,099
Wyoming 30,944 1,874 280 9,455 1,642
United States $18,930,718 $1,471,672 $1,505,592 $5,593,310 $1,241,121
(1) Includes some state funds. 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
($ 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)
($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
 
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
 
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, 2023 (1)
 
State Tornadoes Fatalities Rank (2) State Tornadoes Fatalities Rank (2)
Alabama 101 9 101 Montana 4 0 4
Alaska 0 0 (3) Nebraska 81 0 81
Arizona 4 0 4 Nevada 3 0 3
Arkansas 36 4 36 New Hampshire 2 0 2
California 12 0 12 New Jersey 13 0 13
Colorado 89 0 89 New Mexico 14 0 14
Connecticut 2 0 2 New York 13 0 13
Delaware 5 1 5 North Carolina 14 0 14
D.C. 0 0 (3) North Dakota 5 0 5
Florida 47 0 47 Ohio 56 0 56
Georgia 58 1 58 Oklahoma 48 2 48
Hawaii 0 0 (3) Oregon 2 0 2
Idaho 5 0 5 Pennsylvania 26 0 26
Illinois 136 4 136 Rhode Island 2 0 2
Indiana 51 6 51 South Carolina 18 0 18
Iowa 73 0 73 South Dakota 17 0 17
Kansas 39 0 39 Tennessee 53 17 53
Kentucky 41 0 41 Texas 89 8 89
Louisiana 38 0 38 Utah 3 0 3
Maine 1 0 1 Vermont 2 0 2
Maryland 2 0 2 Virginia 8 0 8
Massachusetts 8 0 8 Washington 3 0 3
Michigan 19 2 19 West Virginia 0 0 0
Minnesota 25 0 25 Wisconsin 20 0 20
Mississippi 81 24 81 Wyoming 27 0 27
Missouri 27 5 27 United States (4) 1,423 83  
(1) Numbers include preliminary estimates as of January 2024. Ranked by total number of tornadoes. (2) States with the same number of tornadoes receive the same ranking. (3) State had no tornadoes in 2023. (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, 2022
 
State Number of fires Number of acres burned
Alabama 2,710 40,975
Alaska 595 3,110,976
Arizona 1,432 124,165
Arkansas 1,903 39,028
California 7,884 309,287
Colorado 835 45,732
Connecticut 150 347
Delaware 7 79
District of Columbia 0 0
Florida 2,784 164,774
Georgia 3,621 25,017
Hawaii 5 25,053
Idaho 1,088 436,733
Illinois 32 298
Indiana 49 1,643
Iowa 7 288
Kansas 67 84,015
Kentucky 1,280 59,199
Louisiana 1,259 24,475
Maine 730 425
Maryland 117 3,139
Massachusetts 1,192 1,756
Michigan 376 3,522
Minnesota 713 3,715
Mississippi 1,980 53,170
Missouri 136 4,968
Montana 2,087 137,509
Nebraska 568 76,534
Nevada 506 58,402
New Hampshire 103 381
New Jersey 1,165 15,532
New Mexico 748 859,906
New York 162 1,313
North Carolina 6,222 28,851
North Dakota 111 1,509
Ohio 724 3,063
Oklahoma 2,811 385,133
Oregon 2,117 456,082
Pennsylvania 951 2,588
Puerto Rico 0 0
Rhode Island 76 44
South Carolina 22 677
South Dakota 527 42,148
Tennessee 1,225 15,059
Texas 12,571 671,800
Utah 945 27,245
Vermont 86 83
Virginia 558 9,956
Washington 1,492 173,659
West Virginia 893 20,275
Wisconsin 923 881
Wyoming 443 25,766
United States (1) 68,988 7,577,175
(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 2022 (1)
 
  Number of policies    
State Habitational Commercial Total Exposure (2) ($000) Direct premiums written ($000)
California 254,478 6,943 261,421 $209,808,071 $649,649
Connecticut  1,159 40 1,199 243,164 $1,731
Delaware 1,078 55 1,133 203,941 462
D.C. 107 10 117 43,954 132
Florida (3) 1,214,351 6,546 1,220,897 422,953,352 3,190,080
Georgia 9,217 326 9,543 1,424,777 12,433
Illinois 2,441 68 2,509 260,925 3,166
Indiana 660 39 699 1,918 1,718
Iowa 794 13 807 54,481 691
Kansas 12,138 166 12,304 794,447 7,132
Kentucky 4,989 221 5,210 229,641 2,681
Louisiana (3) 146,056 8,451 154,507 40,935,450 424,637
Maryland 689 41 730 280,471 583
Massachusetts 197,010 167 197,177 90,572,584 313,923
Michigan 15,270 234 15,504 2,246,608 10,351
Minnesota 3,764 55 3,819 311,237 3,007
Mississippi (4) 2,891 N/A 2,891 170,503 2,085
Missouri 1,954 87 2,041 166,419 1,757
New Jersey 7,593 199 7,792 1,133,706 5,239
New Mexico 7,409 253 7,662 790,570 4,497
New York 20,814 2,383 23,197 6,892,000 26,755
North Carolina 211,662 6,844 218,506 33,404,590 153,287
Ohio 10,930 248 11,178 3,502,565 11,096
Oregon 1,722 69 1,791 355,032 1,359
Pennsylvania 9,462 849 10,311 1,080,321 4,316
Rhode Island 12,859 90 12,949 4,090,489 23,330
Texas (4) 66,488 N/A 66,488 11,301,744 76,881
Virginia 22,118 422 22,540 3,509,847 15,818
Washington 116 82 198 70,150 442
West Virginia 276 44 320 25,984 224
Wisconsin 3,822 114 3,936 471,781 2,353
Total 2,244,317 35,059 2,279,376 $837,330,722 $4,951,815
(1) Excludes the FAIR Plans of Arkansas and Hawaii. (2) Exposure is the estimate of the aggregate value of all insurance in force in all FAIR Plans in all lines (except liability, where applicable, and crime) for 12 months ending September through December. (3) Citizens Property Insurance Corporation, which combined the FAIR and Beach Plans. (4) The Mississippi and Texas FAIR Plans do not offer a commercial policy. Source: Property Insurance Plans Service Office (PIPSO).

Incurred losses by state

Incurred Losses By State, Property/Casualty Insurance, 2022 (1)
($000)
State Incurred losses State Incurred losses
Alabama $6,763,983 Montana $2,500,243
Alaska 879,607 Nebraska 6,512,129
Arizona 10,111,295 Nevada 5,157,930
Arkansas 5,950,598 New Hampshire 1,554,827
California 63,163,766 New Jersey 15,927,262
Colorado 10,284,422 New Mexico 2,910,372
Connecticut 6,363,838 New York 36,600,351
D.C. 1,268,342 North Carolina 12,564,571
Delaware 2,286,930 North Dakota 2,608,834
Florida 66,957,499 Ohio 13,431,956
Georgia 20,501,918 Oklahoma 6,408,628
Hawaii 1,404,129 Oregon 5,551,997
Idaho 2,514,527 Pennsylvania 18,332,710
Illinois 19,630,854 Rhode Island 1,604,713
Indiana 8,589,569 South Carolina 8,335,029
Iowa 5,210,475 South Dakota 3,574,405
Kansas 6,155,852 Tennessee 9,559,403
Kentucky 5,934,585 Texas 51,918,862
Louisiana 8,376,674 Utah 4,055,619
Maine 1,506,216 Vermont 795,979
Maryland 9,485,501 Virginia 10,383,638
Massachusetts 10,414,993 Washington 10,959,865
Michigan 15,481,190 West Virginia 1,868,737
Minnesota 13,154,942 Wisconsin 8,681,442
Mississippi 4,012,016 Wyoming 681,473
Missouri 9,531,422 United States $558,416,119
(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)
($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)
($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)
($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)
($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)
($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, 2022
 
State Percent Rank (1) State Percent Rank (1)
Alabama 70.2% 15 Montana 68.8% 19
Alaska 66.1 36 Nebraska 66.0 37
Arizona 67.4 26 Nevada 60.3 48
Arkansas 66.5 33 New Hampshire 72.3 7
California 55.8 49 New Jersey 64.6 41
Colorado 66.4 34 New Mexico 70.9 13
Connecticut 66.3 35 New York 54.1 50
Delaware 74.1 2 North Carolina 66.7 32
D.C. 41.0 51 North Dakota 65.1 40
Florida 67.2 29 Ohio 67.3 28
Georgia 65.9 38 Oklahoma 65.4 39
Hawaii 62.6 45 Oregon 62.8 44
Idaho 72.3 7 Pennsylvania 69.1 18
Illinois 67.1 31 Rhode Island 63.3 43
Indiana 70.8 14 South Carolina 72.0 10
Iowa 72.0 10 South Dakota 69.6 17
Kansas 67.7 22 Tennessee 67.2 29
Kentucky 68.8 19 Texas 62.5 46
Louisiana 67.6 24 Utah 71.2 12
Maine 74.1 2 Vermont 73.7 4
Maryland 67.7 22 Virginia 67.4 26
Massachusetts 62.2 47 Washington 64.2 42
Michigan 73.2 5 West Virginia 74.5 1
Minnesota 72.1 9 Wisconsin 68.1 21
Mississippi 69.9 16 Wyoming 72.7 6
Missouri 67.6 24 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

Small Businesses By State, 2017 (1)
 
State Number of establishments Employment Annual payroll ($000)
Alabama 78,972 802,920 $30,986,278
Alaska 18,188 137,271 6,974,993
Arizona 114,076 1,065,720 43,182,447
Arkansas 53,966 490,680 17,132,234
California 808,213 7,224,945 375,608,143
Colorado 143,372 1,140,757 52,592,385
Connecticut 73,735 745,085 37,942,808
Delaware 20,194 187,221 8,523,741
D.C. 17,878 250,345 17,655,546
Florida 469,684 3,494,174 141,824,996
Georgia 187,477 1,677,662 69,960,594
Hawaii 27,190 275,908 11,307,271
Idaho 41,312 325,294 11,507,380
Illinois 268,674 2,476,958 120,256,281
Indiana 116,862 1,232,838 47,885,328
Iowa 69,029 649,796 25,142,567
Kansas 61,515 605,147 23,519,181
Kentucky 71,336 712,477 26,227,457
Louisiana 86,986 905,147 36,296,925
Maine 36,138 293,872 11,288,850
Maryland 114,081 1,155,541 56,807,391
Massachusetts 149,803 1,507,965 83,946,046
Michigan 185,497 1,892,394 81,626,911
Minnesota 127,061 1,259,012 54,885,165
Mississippi 46,956 437,242 14,928,646
Missouri 122,164 1,163,782 45,630,303
Montana 34,096 245,758 8,802,223
Nebraska 46,401 412,587 15,808,095
Nevada 53,908 503,144 20,472,538
New Hampshire 31,606 300,628 14,236,547
New Jersey 199,857 1,836,164 91,086,388
New Mexico 35,735 339,731 12,539,639
New York 481,792 4,110,264 219,738,715
North Carolina 187,749 1,710,890 65,858,411
North Dakota 20,979 195,312 8,360,080
Ohio 198,301 2,180,337 87,856,791
Oklahoma 77,320 710,271 27,600,634
Oregon 100,766 871,241 35,729,253
Pennsylvania 245,259 2,512,633 107,956,147
Rhode Island 24,320 229,212 9,934,914
South Carolina 86,695 817,008 29,652,310
South Dakota 23,766 209,403 7,552,385
Tennessee 105,492 1,116,870 46,188,806
Texas 473,281 4,768,938 212,325,999
Utah 68,296 590,417 24,033,600
Vermont 18,589 157,322 6,375,197
Virginia 160,910 1,557,962 73,409,216
Washington 162,989 1,404,077 67,340,488
West Virginia 28,424 269,789 9,414,952
Wisconsin 117,354 1,267,087 50,287,603
Wyoming 18,558 128,883 5,336,181
United States 6,512,802 60,556,081 $2,711,536,979
(1) Number of establishments with less than 500 employees. Source: U.S. Census.