A Firm Foundation: How Insurance Supports the Economy

A 50-State Commitment

Employment

Insurance Carriers And Related Activities Employment By State, 2017 (1)
 
State Number of employees State Number of employees
Alabama 39,524 Montana 8,902
Alaska 2,595 Nebraska 34,856
Arizona 71,743 Nevada 20,620
Arkansas 22,842 New Hampshire 15,924
California 331,913 New Jersey 105,307
Colorado 57,975 New Mexico 13,641
Connecticut 70,557 New York 199,310
Delaware 7,849 North Carolina 86,996
D.C. 4,243 North Dakota 10,628
Florida 232,002 Ohio 143,254
Georgia 111,809 Oklahoma 32,172
Hawaii 11,187 Oregon 34,305
Idaho 14,199 Pennsylvania 159,073
Illinois 155,757 Rhode Island 11,927
Indiana 64,769 South Carolina 44,113
Iowa 58,302 South Dakota 12,203
Kansas 38,463 Tennessee 67,463
Kentucky 44,356 Texas 291,601
Louisiana 38,011 Utah 28,893
Maine 13,831 Vermont 5,092
Maryland 49,504 Virginia 71,331
Massachusetts 83,889 Washington 56,958
Michigan 83,774 West Virginia 11,235
Minnesota 76,708 Wisconsin 81,952
Mississippi 19,513 Wyoming 3,681
Missouri 70,748 United States 3,327,500
(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 2018. Source: U.S. Department of Commerce, Bureau of Economic Analysis, Regional Economic Information System.
Insurance Carriers And Related Activities Compensation By State, 2016-2017
($000)
  Annual payroll   Annual payroll
State 2016 2017 State 2016 2017
Alabama $2,697,019 $2,886,874 Montana $467,676 $490,621
Alaska 173,936 175,776 Nebraska 2,313,067 2,473,280
Arizona 4,481,094 4,997,273 Nevada 1,197,594 1,285,131
Arkansas 1,174,225 1,246,195 New Hampshire 1,644,648 1,343,239
California 26,236,121 27,583,886 New Jersey 11,344,395 12,243,329
Colorado 4,196,014 4,440,482 New Mexico 701,387 774,737
Connecticut 8,839,973 9,537,188 New York 21,177,400 21,928,003
Delaware 640,424 653,037 North Carolina 5,653,987 6,255,904
District of Columbia 653,175 687,410 North Dakota 592,168 610,953
Florida 15,227,448 16,763,140 Ohio 10,557,444 11,204,095
Georgia 8,140,865 8,875,915 Oklahoma 1,732,261 1,822,545
Hawaii 672,569 737,198 Oregon 2,566,965 2,635,423
Idaho 711,369 770,529 Pennsylvania 12,658,368 13,428,329
Illinois 13,824,917 14,511,342 Rhode Island 995,456 1,059,587
Indiana 4,342,180 4,591,134 South Carolina 2,563,984 2,699,525
Iowa 4,410,266 4,652,900 South Dakota 612,153 642,790
Kansas 2,563,161 2,729,109 Tennessee 4,402,923 4,721,730
Kentucky 3,218,390 3,415,885 Texas 19,548,510 21,101,625
Louisiana 2,220,460 2,295,880 Utah 1,645,583 1,785,411
Maine 1,056,577 1,100,520 Vermont 391,749 429,902
Maryland 4,065,312 4,241,065 Virginia 5,025,971 5,424,094
Massachusetts 8,666,148 9,036,167 Washington 4,360,864 4,575,554
Michigan 5,592,710 5,960,833 West Virginia 564,961 602,068
Minnesota 6,889,064 7,521,677 Wisconsin 5,999,116 6,298,544
Mississippi 919,712 958,897 Wyoming 163,297 169,772
Missouri 4,843,944 5,145,497 United States $255,339,000 $271,522,000
Source: Regional Economic Information System, Bureau of Economic Analysis, U.S. Department of Commerce.

Premiums

Direct Premiums Written, P/C Insurance By State, 2017 (1)
($000)
State Total, all lines State Total, all lines
Alabama $8,491,699 Montana $2,402,694
Alaska 1,574,803 Nebraska 4,841,812
Arizona 10,961,095 Nevada 5,145,462
Arkansas 5,178,776 New Hampshire 2,440,724
California 76,393,885 New Jersey 21,222,342
Colorado 12,296,996 New Mexico 3,295,212
Connecticut 8,646,320 New York 46,322,771
Delaware 2,662,277 North Carolina 15,682,515
D.C. 1,860,455 North Dakota 2,521,294
Florida 50,424,532 Ohio 16,490,563
Georgia 19,951,564 Oklahoma 7,948,641
Hawaii 2,497,126 Oregon 6,950,266
Idaho 2,776,622 Pennsylvania 24,316,458
Illinois 24,907,084 Rhode Island 2,396,937
Indiana 11,158,585 South Carolina 9,549,900
Iowa 6,535,925 South Dakota 2,420,646
Kansas 6,428,177 Tennessee 11,366,424
Kentucky 7,473,092 Texas 54,449,415
Louisiana 11,474,861 Utah 4,690,590
Maine 2,277,018 Vermont 1,263,641
Maryland 11,755,106 Virginia 13,653,410
Massachusetts 14,926,239 Washington 11,892,722
Michigan 19,173,049 West Virginia 3,007,835
Minnesota 11,585,779 Wisconsin 10,574,269
Mississippi 5,178,851 Wyoming 1,154,807
Missouri 11,581,131 United States (2) $634,172,398
(1) Before reinsurance transactions, includes state funds, excludes territories. (2) Data for the total United States may differ from similar data shown elsewhere due to the use of different exhibits from S&P Global Market Intelligence. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Life/Health Insurers Direct Premiums Written And Annuity Considerations By State, 2017 (1)
($ millions)
State Life insurance Annuities Accident and health insurance (2) Deposit-type contract funds Other considerations Total
Alabama $2,191 $2,667 $1,723 $322 $514 $7,417
Alaska 429 394 336 26 270 1,455
Arizona 2,384 4,564 3,836 345 1,537 12,666
Arkansas 1,106 1,346 986 84 331 3,853
California 17,454 22,287 14,371 2,385 8,738 65,234
Colorado 2,678 4,982 3,770 1,070 999 13,499
Connecticut 2,599 4,409 2,781 9,978 2,092 21,860
Delaware 1,406 3,274 736 61,910 370 67,696
D.C. 430 680 828 1,275 550 3,764
Florida 9,867 16,959 13,702 1,456 4,076 46,061
Georgia 5,098 4,987 7,642 1,486 3,122 22,335
Hawaii 788 1,348 1,328 69 323 3,856
Idaho 576 895 721 66 277 2,534
Illinois 6,841 9,882 6,163 1,837 2,670 27,393
Indiana 2,835 4,965 4,280 3,132 1,026 16,238
Iowa 1,783 2,869 1,421 13,854 2,324 22,251
Kansas 1,369 2,126 3,381 2,751 419 10,046
Kentucky 1,582 2,660 1,701 236 724 6,903
Louisiana 2,336 3,102 2,047 292 631 8,408
Maine 439 1,055 847 61 195 2,599
Maryland 3,047 4,773 3,625 653 1,218 13,316
Massachusetts 3,788 6,970 3,413 599 3,268 18,038
Michigan 4,626 9,804 3,467 1,072 1,761 20,730
Minnesota 4,889 4,516 1,640 849 1,861 13,755
Mississippi 1,246 1,368 1,474 141 191 4,419
Missouri 2,767 5,716 4,240 683 1,070 14,477
Montana 374 495 371 50 135 1,427
Nebraska 1,049 1,506 1,418 365 392 4,730
Nevada 1,200 1,402 1,210 174 384 4,371
New Hampshire 642 1,710 677 219 262 3,511
New Jersey 6,700 10,045 6,887 1,431 2,355 27,418
New Mexico 677 902 1,107 83 435 3,204
New York 12,698 17,402 9,703 31,667 8,234 79,703
North Carolina 5,469 6,939 5,731 893 2,915 21,945
North Dakota 437 543 302 65 178 1,525
Ohio 5,108 10,724 7,474 7,451 2,379 33,136
Oklahoma 1,411 1,750 1,700 289 581 5,730
Oregon 1,257 2,254 1,932 198 970 6,610
Pennsylvania 6,571 12,611 7,101 2,364 2,532 31,179
Rhode Island 451 1,131 480 70 249 2,382
South Carolina 2,268 3,457 3,642 216 653 10,237
South Dakota 1,153 528 390 235 124 2,430
Tennessee 3,152 4,328 3,469 888 1,164 13,001
Texas 11,891 14,898 17,366 3,294 3,610 51,058
Utah 1,482 1,983 1,322 319 466 5,571
Vermont 258 612 371 105 181 1,527
Virginia 4,544 5,755 4,529 750 1,580 17,157
Washington 2,593 4,336 3,561 403 1,606 12,500
West Virginia 640 1,046 758 93 146 2,683
Wisconsin 2,699 4,795 3,550 581 1,183 12,808
Wyoming 277 362 350 25 55 1,070
United States (3) $159,554 $240,111 $175,864 $158,860 $73,327 $807,717
(1) Direct premiums written before reinsurance transactions, excludes state funds. (2) Excludes accident and health premiums reported on property/casualty and health annual statements. (3) Excludes territories, dividends and other nonstate specific data. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Direct Premiums Written, Property/Casualty Insurance By State By Line, 2017 (1)
($000)
  Private passenger auto Commercial auto      
State Liability Coll./Comp. Liability Coll./Comp. Homeowners multiple peril Farmowners multiple peril Commercial multiple peril
Alabama $1,834,303 $1,489,225 $368,293 $131,250 $1,692,355 $77,225 $581,809
Alaska 275,028 193,653 54,945 15,465 164,219 642 101,018
Arizona 2,926,906 1,926,572 417,120 113,853 1,610,131 16,771 620,115
Arkansas 1,048,385 898,794 254,749 115,002 907,329 29,832 332,781
California 15,504,867 11,755,463 3,058,631 844,140 7,837,021 208,031 4,739,824
Colorado 2,757,069 1,819,961 425,643 160,819 2,282,303 80,759 786,050
Connecticut 1,846,752 1,088,877 336,584 87,607 1,484,031 6,545 634,198
Delaware 586,182 268,179 102,671 24,651 266,177 7,059 322,736
D.C. 194,434 152,926 43,472 8,303 160,116 0 161,382
Florida 13,687,728 5,456,184 2,194,951 400,570 9,174,761 23,568 2,126,595
Georgia 5,571,762 3,043,219 917,307 250,709 3,130,124 120,955 1,038,074
Hawaii 434,941 317,495 94,803 25,968 383,567 4 179,656
Idaho 546,290 402,630 118,715 62,594 354,279 62,034 209,689
Illinois 4,180,114 3,242,824 1,100,573 353,655 3,558,367 179,484 1,726,567
Indiana 2,169,060 1,605,226 478,302 210,158 1,903,996 195,940 840,832
Iowa 868,467 888,463 237,806 165,384 782,927 212,753 382,314
Kansas 956,327 892,429 197,998 135,582 1,160,955 240,816 382,708
Kentucky 1,966,600 1,063,863 320,398 111,378 1,168,524 161,995 522,440
Louisiana 2,891,114 1,615,069 586,898 107,124 1,857,768 13,991 494,649
Maine 393,253 340,809 102,087 46,629 418,611 5,167 239,932
Maryland 3,008,202 1,963,533 474,216 134,682 1,756,475 29,070 654,489
Massachusetts 2,905,824 2,282,625 650,464 224,068 2,366,634 3,638 1,155,658
Michigan 5,661,725 3,308,940 665,169 331,271 2,768,344 145,206 1,086,763
Minnesota 2,035,639 1,567,290 378,320 204,891 2,101,828 151,629 718,714
Mississippi 1,018,630 859,624 279,625 99,778 967,593 24,719 317,779
Missouri 2,167,285 1,730,666 432,701 194,673 2,032,669 181,336 781,626
Montana 374,729 350,479 103,049 65,079 330,134 73,150 179,871
Nebraska 674,825 577,940 152,054 120,093 728,567 237,939 273,172
Nevada 1,637,065 731,251 260,272 42,951 580,642 8,459 325,617
New Hampshire 430,387 415,362 100,601 36,905 406,606 3,219 241,972
New Jersey 5,285,651 2,396,445 1,173,148 221,074 2,687,462 2,986 1,489,700
New Mexico 861,239 525,282 150,692 50,345 513,480 25,323 224,003
New York 8,457,326 4,803,390 2,269,395 381,396 5,313,487 43,898 4,014,166
North Carolina 3,082,337 2,904,023 673,210 224,401 2,564,886 63,054 959,931
North Dakota 210,590 260,543 90,198 68,996 209,710 121,472 134,990
Ohio 3,734,918 2,949,756 726,492 281,717 2,877,584 173,564 1,272,141
Oklahoma 1,459,684 1,205,719 334,075 144,670 1,642,579 157,139 536,058
Oregon 2,007,097 908,266 286,014 94,352 811,744 67,015 489,750
Pennsylvania 4,869,580 3,875,806 1,065,489 422,994 3,331,205 107,663 1,757,717
Rhode Island 612,872 309,114 92,264 24,628 398,970 361 155,191
South Carolina 2,491,099 1,485,497 350,336 110,301 1,692,929 14,574 492,756
South Dakota 247,727 294,907 74,800 57,076 245,454 124,417 133,836
Tennessee 2,242,302 1,841,609 448,012 215,901 2,004,678 149,552 730,914
Texas 11,934,451 9,237,933 2,676,281 822,580 8,850,102 321,413 2,691,249
Utah 1,212,335 721,014 220,149 80,106 529,896 14,948 276,248
Vermont 183,681 192,341 45,637 25,918 199,515 15,362 138,188
Virginia 3,093,521 2,354,213 526,852 180,609 2,220,272 74,859 802,923
Washington 3,424,220 1,751,495 487,956 162,277 1,723,255 75,780 837,558
West Virginia 689,623 548,671 139,100 47,437 442,383 15,624 202,395
Wisconsin 1,738,998 1,374,698 402,453 190,300 1,419,783 185,257 711,820
Wyoming 180,063 211,747 55,326 32,823 200,631 30,136 101,587
United States $138,573,207 $92,402,040 $27,196,291 $8,665,132 $94,217,060 $4,286,334 $40,312,151
(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, 2017 (1) (Cont'd)
($000)
State Workers compensation Excess workers compensation Medical malpractice Product liability Other liability Fire Allied lines
Alabama $351,958 $22,000 $122,394 $31,376 $615,931 $179,924 $181,316
Alaska 251,110 3,525 23,631 4,875 140,527 46,910 27,776
Arizona 843,349 11,622 205,261 43,827 880,344 126,495 119,177
Arkansas 253,996 7,562 62,516 19,342 344,475 144,575 115,699
California 12,765,758 190,714 760,296 518,970 7,969,152 1,163,652 765,223
Colorado 1,076,683 13,924 149,671 76,160 1,203,702 154,142 176,642
Connecticut 818,459 24,468 181,836 48,792 1,031,122 131,246 116,194
Delaware 221,793 1,559 30,033 10,986 375,264 30,071 26,351
D.C. 176,152 2,419 27,049 6,664 385,134 32,928 25,653
Florida 3,215,804 61,171 594,878 219,191 5,197,773 1,193,788 2,129,125
Georgia 1,604,174 32,899 254,148 85,869 1,613,293 311,170 263,009
Hawaii 279,954 7,356 31,779 11,835 290,625 66,680 93,359
Idaho 417,103 3,127 31,499 12,826 203,165 28,691 24,344
Illinois 2,565,459 59,027 442,131 157,204 3,552,043 346,710 289,508
Indiana 825,803 13,697 121,584 84,895 899,958 231,848 147,907
Iowa 747,161 9,898 61,304 42,573 574,380 111,197 117,043
Kansas 413,069 10,676 62,237 34,393 428,527 91,369 143,147
Kentucky 503,949 17,607 105,474 27,354 468,572 111,660 94,013
Louisiana 798,344 46,019 94,037 40,524 869,923 339,721 415,109
Maine 228,129 3,268 45,095 7,929 166,374 39,660 36,533
Maryland 963,264 14,271 291,155 44,871 1,094,092 143,646 119,383
Massachusetts 1,255,837 21,313 313,511 111,825 1,822,625 307,561 205,428
Michigan 1,096,866 30,635 185,699 91,144 1,257,112 288,843 162,093
Minnesota 969,909 1,814 78,082 86,782 1,104,431 185,723 286,769
Mississippi 353,740 9,427 43,519 17,970 320,920 121,298 124,097
Missouri 920,594 36,933 141,194 57,781 1,079,451 186,846 174,853
Montana 287,584 5,888 47,973 10,357 165,504 29,603 30,961
Nebraska 375,556 5,790 32,097 22,746 336,482 58,285 77,880
Nevada 363,075 22,162 64,882 33,760 464,498 77,723 63,468
New Hampshire 243,026 4,190 39,959 11,354 221,686 33,578 27,278
New Jersey 2,442,538 35,796 403,033 178,516 2,448,432 335,691 289,526
New Mexico 269,122 7,483 58,340 9,279 219,503 35,868 38,206
New York 5,942,539 56,931 1,549,177 294,462 7,602,219 725,936 583,080
North Carolina 1,448,416 27,718 165,563 84,721 1,251,513 256,410 288,797
North Dakota 4,635 4 9,424 11,987 158,899 34,356 37,626
Ohio 16,984 68,006 228,849 103,156 1,592,581 353,974 225,076
Oklahoma 662,056 12,758 95,894 35,354 575,036 151,094 181,669
Oregon 707,914 10,996 91,263 44,101 537,017 81,603 60,687
Pennsylvania 2,615,365 45,427 646,116 141,097 2,601,768 419,608 285,108
Rhode Island 220,355 1,504 28,145 11,687 231,458 42,672 38,664
South Carolina 826,703 11,026 73,062 49,535 566,541 221,000 167,248
South Dakota 176,409 1,931 15,305 11,694 125,095 28,180 29,694
Tennessee 866,772 20,311 212,981 52,358 980,234 238,565 178,769
Texas 2,343,930 31,693 314,747 306,953 5,030,365 1,617,629 1,736,073
Utah 444,664 4,176 57,584 35,712 417,401 80,333 44,641
Vermont 189,991 1,769 15,694 6,255 104,012 20,271 14,047
Virginia 1,044,897 25,802 184,847 50,106 1,328,228 207,584 176,861
Washington 20,267 26,912 163,187 65,680 1,169,678 182,767 125,593
West Virginia 258,901 6,450 59,221 9,349 265,221 56,702 35,391
Wisconsin 1,959,628 8,747 83,794 81,441 1,000,918 168,491 143,678
Wyoming 5,377 269 22,620 4,992 97,006 18,550 18,553
United States $57,655,123 $1,100,668 $9,123,770 $3,562,613 $63,380,213 $11,592,828 $11,278,325
(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, 2017 (1) (Cont'd)
($000)
State Inland marine Ocean marine Surety Fidelity Burglary and theft Boiler and machinery Financial guaranty
Alabama $316,735 $36,805 $72,764 $13,559 $3,953 $23,924 $4,556
Alaska 90,491 35,659 28,601 2,336 816 7,632 219
Arizona 356,375 20,135 131,669 12,449 4,601 23,937 1,029
Arkansas 223,496 16,403 34,736 9,255 2,191 15,335 485
California 2,922,588 281,890 841,406 127,383 39,477 126,065 41,544
Colorado 408,215 13,289 130,241 24,206 6,394 21,399 5,251
Connecticut 334,711 91,848 66,450 25,951 5,098 15,876 1,088
Delaware 99,057 7,619 20,016 4,110 1,437 3,899 29,524
D.C. 129,376 4,073 162,028 13,975 3,131 5,973 117
Florida 1,373,316 318,793 364,729 62,313 20,457 65,968 8,391
Georgia 669,971 63,848 157,381 32,698 10,062 43,503 1,373
Hawaii 97,103 17,117 38,576 4,444 812 4,670 4,823
Idaho 95,450 5,455 23,688 2,940 1,022 7,799 46
Illinois 830,369 89,890 210,188 63,221 16,538 67,143 23,244
Indiana 364,291 24,402 78,401 18,090 5,754 39,547 1,043
Iowa 234,279 7,624 51,404 13,461 2,651 23,608 3,372
Kansas 193,026 8,404 43,088 11,350 2,572 18,136 1,024
Kentucky 280,636 24,983 78,258 10,244 2,741 24,574 20,121
Louisiana 412,283 138,281 118,832 12,432 4,515 29,323 4,749
Maine 76,621 28,408 16,646 4,201 849 7,252 297
Maryland 375,087 97,972 167,371 28,324 5,840 24,130 3,005
Massachusetts 529,745 92,898 151,563 45,525 9,060 36,120 3,249
Michigan 542,690 56,848 94,836 31,331 8,777 58,214 1,535
Minnesota 374,788 26,417 84,147 26,372 6,865 35,618 3,418
Mississippi 201,103 15,416 43,091 8,182 2,076 13,405 524
Missouri 389,209 32,870 71,940 24,671 6,365 28,452 7,967
Montana 74,435 2,443 30,169 3,065 914 5,635 62
Nebraska 163,310 4,800 36,557 6,991 1,798 13,428 1,840
Nevada 174,647 6,709 71,721 7,449 2,236 20,366 424
New Hampshire 89,845 11,896 16,996 4,107 1,132 5,709 112
New Jersey 679,771 143,317 162,288 45,070 10,995 44,144 15,578
New Mexico 106,685 2,255 48,430 4,229 817 6,597 477
New York 1,648,179 382,405 417,545 140,472 34,591 111,163 161,441
North Carolina 635,604 64,444 146,328 38,349 7,176 39,371 4,171
North Dakota 73,777 1,530 19,355 2,800 488 13,616 161
Ohio 638,951 49,732 146,017 40,849 13,762 57,989 1,674
Oklahoma 251,295 19,265 61,849 10,948 2,545 19,607 284
Oregon 268,320 32,076 67,533 10,630 2,911 16,639 231
Pennsylvania 778,609 58,226 230,066 51,648 13,739 68,548 15,373
Rhode Island 82,911 35,342 15,020 4,454 1,258 4,777 1,277
South Carolina 348,789 31,741 86,264 10,328 3,279 21,004 435
South Dakota 67,888 1,454 21,103 3,262 565 6,367 0
Tennessee 431,142 51,287 89,256 19,594 6,576 30,925 88
Texas 2,124,696 259,058 591,255 78,518 26,146 122,288 16,867
Utah 163,317 10,735 55,230 7,436 2,307 10,530 1,054
Vermont 43,703 3,767 9,337 2,153 478 5,226 769
Virginia 479,716 69,598 191,479 34,304 8,294 30,255 631
Washington 530,877 118,903 174,026 18,819 5,474 29,439 931
West Virginia 81,352 3,431 42,864 4,114 830 6,745 71
Wisconsin 306,111 37,830 60,777 23,170 5,816 40,153 779
Wyoming 46,906 1,133 49,150 1,518 329 6,223 390
United States $22,211,847 $2,960,724 $6,122,666 $1,207,303 $328,508 $1,508,247 $397,115
(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, 2017 (1) (Cont'd)
($000)
State Aircraft Earthquake Federal flood Credit Warranty Accident and health
Alabama $14,486 $6,663 $27,065 $30,759 $11,483 $76,399
Alaska 39,800 25,121 1,560 3,294 743 15,257
Arizona 49,419 7,291 16,295 22,048 33,030 111,571
Arkansas 21,491 32,767 10,335 16,386 6,976 60,650
California 147,417 1,729,209 149,940 127,840 198,400 522,178
Colorado 45,496 10,131 13,792 22,346 14,990 86,682
Connecticut 29,696 6,660 46,494 37,170 11,299 51,830
Delaware 12,716 1,421 14,981 10,568 28,307 118,365
D.C. 1,725 2,837 1,115 7,952 31 115,913
Florida 106,227 20,112 812,583 119,069 556,870 252,853
Georgia 52,963 13,461 52,426 47,340 30,015 170,589
Hawaii 13,931 10,260 34,945 6,975 3,358 13,334
Idaho 11,488 3,567 4,151 4,044 3,634 21,938
Illinois 65,599 64,832 27,753 78,695 227,241 335,089
Indiana 18,374 36,885 15,484 31,603 36,906 255,422
Iowa 11,796 3,745 10,309 13,871 6,631 76,462
Kansas 18,880 6,742 5,602 15,288 161,653 68,981
Kentucky 7,507 44,414 12,482 40,446 12,256 57,200
Louisiana 42,937 6,283 253,136 29,990 4,260 63,213
Maine 3,910 1,947 7,608 6,804 3,467 14,759
Maryland 16,801 9,502 28,774 20,230 23,069 81,331
Massachusetts 17,838 22,336 67,208 42,438 16,726 89,987
Michigan 25,038 6,368 15,040 53,793 567,780 225,264
Minnesota 28,545 4,456 5,941 13,081 29,532 123,032
Mississippi 10,886 16,501 32,260 18,749 4,237 68,236
Missouri 24,735 94,412 15,803 29,189 44,124 176,514
Montana 9,235 4,989 2,559 1,992 1,718 35,818
Nebraska 13,005 2,077 6,982 5,872 4,511 130,303
Nevada 24,184 22,551 6,453 5,588 10,763 35,033
New Hampshire 5,931 2,731 7,378 9,066 4,921 29,171
New Jersey 16,964 19,905 188,278 85,025 24,778 187,586
New Mexico 6,190 2,472 8,111 8,689 3,857 20,954
New York 52,499 50,388 171,444 193,142 52,951 486,986
North Carolina 32,873 11,004 91,313 42,139 40,341 145,779
North Dakota 7,072 593 5,502 563 502 9,783
Ohio 53,995 31,603 25,382 60,767 42,535 219,810
Oklahoma 18,447 21,832 8,071 6,281 15,987 66,879
Oregon 23,371 84,658 19,183 13,493 7,904 66,197
Pennsylvania 32,918 14,942 51,588 63,390 81,617 395,750
Rhode Island 10,236 2,139 16,486 6,003 2,516 23,829
South Carolina 11,540 42,737 113,542 23,326 8,612 105,223
South Dakota 6,976 378 2,330 1,945 1,964 22,056
Tennessee 26,899 80,437 19,441 38,187 18,647 147,952
Texas 176,618 26,633 311,010 270,331 390,951 584,506
Utah 20,216 49,083 2,007 11,062 37,442 74,733
Vermont 1,978 910 4,657 2,499 6,337 14,052
Virginia 40,772 16,334 59,741 24,818 20,250 149,547
Washington 41,302 174,645 26,671 31,469 64,001 85,292
West Virginia 2,804 1,244 12,348 6,484 2,890 45,477
Wisconsin 20,111 4,068 9,182 20,574 33,104 175,267
Wyoming 4,956 3,197 1,344 679 657 27,122
United States $1,500,792 $2,859,475 $2,854,088 $1,783,352 $2,916,773 $6,538,152
(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, 2017 (1) (Cont'd)
($000)
State Multiple peril crop Private crop Mortgage guaranty Miscellaneous Private flood
Alabama $70,783 $612 $60,889 $36,106 $4,800
Alaska 69 0 17,650 1,275 957
Arizona 129,159 3,639 143,772 22,066 11,069
Arkansas 127,510 18,813 31,891 12,192 2,826
California 397,005 20,878 466,078 100,893 71,952
Colorado 174,947 12,673 119,207 18,113 6,098
Connecticut 5,082 0 65,660 4,886 9,811
Delaware 10,043 127 20,247 4,457 1,669
D.C. 0 0 26,457 6,283 2,839
Florida 91,166 423 319,893 170,791 84,491
Georgia 140,675 1,695 171,525 43,174 12,155
Hawaii 1,208 0 20,082 2,759 4,707
Idaho 59,805 13,013 37,765 2,584 1,246
Illinois 674,877 98,823 225,430 40,462 14,023
Indiana 349,666 29,172 102,621 12,357 9,359
Iowa 688,249 122,570 48,482 7,770 7,973
Kansas 611,979 56,351 43,923 5,760 5,187
Kentucky 153,801 8,280 40,819 5,318 5,185
Louisiana 84,070 3,707 60,685 17,991 17,883
Maine 10,817 0 17,452 1,109 1,393
Maryland 32,242 104 129,266 15,828 4,881
Massachusetts 2,940 0 119,538 36,801 15,256
Michigan 177,457 7,572 168,946 45,968 5,784
Minnesota 621,845 113,456 182,549 27,863 6,034
Mississippi 128,661 3,860 25,455 22,535 4,954
Missouri 382,389 25,505 84,935 14,862 8,580
Montana 152,146 3,644 16,478 2,066 965
Nebraska 538,845 198,310 29,587 7,435 2,734
Nevada 15,114 29 58,474 3,321 4,575
New Hampshire 369 0 29,744 3,719 1,773
New Jersey 4,847 18 142,777 32,139 28,862
New Mexico 46,548 2,848 27,461 8,692 1,735
New York 51,617 20 171,528 111,324 47,674
North Carolina 182,999 7,812 159,823 28,625 9,385
North Dakota 933,442 83,554 12,513 1,093 1,518
Ohio 257,094 19,001 160,172 52,229 14,203
Oklahoma 177,974 10,176 43,963 15,945 3,507
Oregon 39,285 2,704 74,780 17,803 4,730
Pennsylvania 53,439 121 180,288 22,421 18,833
Rhode Island 105 0 17,367 2,709 2,624
South Carolina 85,565 68 80,553 11,561 12,727
South Dakota 657,314 46,605 11,741 1,402 770
Tennessee 104,678 3,295 89,765 16,709 8,585
Texas 920,378 63,272 393,826 124,152 53,513
Utah 8,168 93 86,407 9,602 1,959
Vermont 2,705 0 10,761 1,106 520
Virginia 66,584 2,783 157,794 20,409 8,527
Washington 156,133 18,022 160,252 28,273 11,566
West Virginia 1,970 4 13,580 3,171 1,986
Wisconsin 225,037 16,360 110,294 11,486 4,140
Wyoming 15,977 1,649 11,801 1,137 960
United States $9,824,777 $1,021,662 $5,002,944 $1,218,732 $569,487
(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Surplus Lines

Gross Surplus Lines Premiums By State, 2017 (1)
($ millions)
State Total all lines
Alabama  $554.0
Alaska  120.1
Arizona  557.9
Arkansas  NA 
California  7,233.7
Colorado  806.9
Connecticut  583.7
Delaware  140.3
District of Columbia  246.4
Florida  5,252.5
Georgia  1,167.4
Hawaii  255.7
Idaho  NA 
Illinois  1,488.3
Indiana  473.3
Iowa  291.2
Kansas  227.9
Kentucky  215.7
Louisiana  1,414.0
Maine  95.5
Maryland  497.3
Massachusetts  983.9
Michigan NA 
Minnesota  538.4
Mississippi  400.4
Missouri  670.3
Montana  100.4
Nebraska  157.9
Nevada  307.6
New Hampshire  144.4
New Jersey NA 
New Mexico  110.1
New York  4,056.5
North Carolina  732.6
North Dakota  105.2
Ohio  NA 
Oklahoma  325.0
Oregon  376.5
Pennsylvania  NA 
Rhode Island  140.3
South Carolina  629.6
South Dakota  59.8
Tennessee  618.1
Texas  5,566.9
Utah  281.1
Vermont  72.9
Virginia  701.1
Washington  899.5
West Virginia  131.6
Wisconsin  368.6
Wyoming  64.3
United States $40,164.7
(1) Business Insurance survey. NA=Data not available. Source: Business Insurance (www.businessinsurance.com), September, 2018.

Gross State Product

Gross State Product (GSP), Insurance Carriers And Related Activities, 2015-2016
($ millions)
State 2015 2016 As a percent of 2016 total GSP
Alabama $4,552 $4,333 2.13%
Alaska 403 329 0.67
Arizona 8,071 7,911 2.54
Arkansas 2,284 2,384 1.99
California 38,770 35,691 1.34
Colorado 6,612 6,726 2.05
Connecticut 19,973 20,703 7.86
Delaware 10,263 9,683 13.74
D.C. 1,749 1,703 1.31
Florida 27,470 26,986 2.88
Georgia 12,207 12,147 2.26
Hawaii 1,661 1,561 1.82
Idaho 1,208 1,179 1.70
Illinois 38,086 38,822 4.83
Indiana 13,569 13,352 3.94
Iowa 17,290 19,333 10.73
Kansas 4,851 5,197 3.34
Kentucky 5,810 6,186 3.17
Louisiana 4,661 5,051 2.22
Maine 2,014 2,006 3.37
Maryland 8,995 9,422 2.45
Massachusetts 16,566 16,712 3.22
Michigan 15,568 14,979 3.06
Minnesota 14,131 13,552 4.01
Mississippi 2,153 2,232 2.09
Missouri 9,047 9,273 3.13
Montana 755 798 1.75
Nebraska 8,184 8,143 7.00
Nevada 2,843 3,307 2.21
New Hampshire 4,277 4,343 5.54
New Jersey 18,460 18,182 3.12
New Mexico 1,514 1,585 1.74
New York 54,867 59,823 3.88
North Carolina 9,306 9,850 1.90
North Dakota 1,276 1,180 2.31
Ohio 25,370 26,707 4.30
Oklahoma 3,429 3,532 1.97
Oregon 4,620 5,318 2.47
Pennsylvania 26,161 27,441 3.79
Rhode Island 2,810 2,887 4.99
South Carolina 4,694 5,012 2.36
South Dakota 1,184 1,291 2.66
Tennessee 8,619 9,592 2.87
Texas 37,660 40,891 2.61
Utah 2,794 2,961 1.88
Vermont 991 1,063 3.37
Virginia 7,995 8,010 1.62
Washington 7,597 8,226 1.67
West Virginia 1,290 1,457 2.08
Wisconsin 17,205 18,133 5.81
Wyoming 338 362 1.01
United States $542,201 $557,548 2.98%
Note: Last updated: November 14, 2018. Revised statistics for 2015 and 2016. Source: U.S. Department of Commerce, Bureau of Economic Analysis.

State Taxes

Premium Taxes By State, Property/Casualty And Life/Health Insurance, 2018
($000)
State Amount State Amount
Alabama $376,766 Montana $110,827
Alaska 62,429 Nebraska 62,662
Arizona 550,438 Nevada 395,701
Arkansas 223,362 New Hampshire 111,972
California 2,569,271 New Jersey 614,072
Colorado 262,411 New Mexico 169,355
Connecticut 209,026 New York 1,623,191
Delaware 110,292 North Carolina 589,037
DC 115,290 North Dakota 63,274
Florida 1,084,872 Ohio 582,794
Georgia 505,054 Oklahoma 328,756
Hawaii 165,602 Oregon 70,903
Idaho 97,359 Pennsylvania 836,186
Illinois 456,406 Rhode Island 81,519
Indiana 236,175 South Carolina 239,215
Iowa 114,363 South Dakota 92,488
Kansas 408,321 Tennessee 970,831
Kentucky 165,161 Texas 2,445,005
Louisiana 870,872 Utah 135,180
Maine 99,654 Vermont 59,370
Maryland 541,758 Virginia 516,743
Massachusetts 406,251 Washington 630,657
Michigan 395,999 West Virginia 169,607
Minnesota 519,547 Wisconsin 207,729
Mississippi 338,576 Wyoming 23,481
Missouri 464,418 United States $22,480,228
Source: U.S. Department of Commerce, Bureau of the Census.

Insurance Companies By State

Domestic Insurance Companies By State, Property/Casualty And Life/Annuities, 2017
 
State Property/casualty Life/annuities State Property/casualty Life/annuities
Alabama  18 7 Montana  14 1
Alaska  4 0 Nebraska  34 32
Arizona  40 25 Nevada  9 3
Arkansas  12 23 New Hampshire   50 1
California  99 14 New Jersey 66 3
Colorado  10 11 New Mexico  15 1
Connecticut  67 26 New York  173 82
Delaware  101 28 North Carolina  56 10
D.C. 6 0 North Dakota  12 3
Florida  114 9 Ohio  138 37
Georgia  23 13 Oklahoma  31 24
Hawaii  17 3 Oregon  18 3
Idaho  10 1 Pennsylvania  166 23
Illinois  191 52 Rhode Island  22 2
Indiana  64 28 South Carolina  19 7
Iowa  73 40 South Dakota  16 2
Kansas  25 11 Tennessee  15 12
Kentucky 7 7 Texas  199 120
Louisiana  34 32 Utah  9 17
Maine  9 2 Vermont  12 1
Maryland  32 4 Virginia  19 3
Massachusetts  48 16 Washington  7 6
Michigan 65 22 West Virginia  19 1
Minnesota  39 8 Wisconsin  174 18
Mississippi  15 15 Wyoming  2 0
Missouri  43 28 United States (1) 2,461 837
(1) Excludes territories. Excludes health insurers, risk retention groups, fraternals, title and other insurers. Source: Insurance Department Resources Report, 2018, 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, 2017
 
State Domestic insurers (1) Licensed out-of-state insurers (2) Chartered self-insured groups or pools Chartered purchasing groups All companies doing business in state (3)
Alabama  40 1,417 0 11 1,468
Alaska  5 756 0 1 762
Arizona  117 1,584 25 24 1,750
Arkansas  56 1,489 0 1 1,546
California  132 1,123 0 43 1,298
Colorado  46 1,435 9 40 1,530
Connecticut  103 1,230 0 26 1,359
Delaware  146 1,317 0 108 1,571
D.C.  50 1,344 0 12 1,406
Florida  437 1,665 14 51 2,167
Georgia  89 1,590 21 0 1,700
Hawaii  46 1,074 11 3 1,134
Idaho  17 1,388 13 0 1,418
Illinois  337 1,419 12 150 1,918
Indiana  149 1,623 15 20 1,807
Iowa  220 1,390 3 0 1,613
Kansas  47 1,496 20 14 1,577
Kentucky  56 1,488 12 11 1,567
Louisiana  105 1,500 22 5 1,632
Maine  15 1,148 18 1 1,182
Maryland  61 1,507 5 14 1,587
Massachusetts  81 1,314 25 4 1,424
Michigan  127 1,362 15 11 1,515
Minnesota  152 1,353 18 20 1,543
Mississippi  42 1,516 0 2 1,560
Missouri  178 1,523 11 6 1,718
Montana  40 1,377 0 5 1,422
Nebraska  103 1,442 6 5 1,556
Nevada  45 1,490 8 4 1,547
New Hampshire  58 1,105 0 7 1,170
New Jersey  118 1,317 50 30 1,515
New Mexico  37 2,442 5 0 2,484
New York  577 1,168 11 78 1,834
North Carolina  81 1,423 3 0 1,507
North Dakota  30 1,348 8 2 1,388
Ohio  245 1,497 0 23 1,765
Oklahoma  78 1,479 3 5 1,565
Oregon  49 1,442 0 7 1,498
Pennsylvania  254 1,565 14 30 1,863
Rhode Island  28 1,280 1 23 1,332
South Carolina  75 1,573 0 10 1,658
South Dakota  38 1,388 0 0 1,426
Tennessee  67 1,438 8 6 1,519
Texas  403 1,558 6 53 2,020
Utah  94 1,643 0 10 1,747
Vermont  112 1,688 0 7 1,807
Virginia  66 1,521 15 19 1,621
Washington  35 1,425 0 8 1,468
West Virginia  29 1,355 1 2 1,387
Wisconsin  334 1,553 0 7 1,894
Wyoming  5 1,374 0 1 1,380
Total U.S. (3) 5,855 (4) 408 920 80,832
(1) Insurers that are domiciled in the state. Includes property/casualty, life/annuities, health, fraternal, title, risk retention groups and "other". (2) This category is comprised of insurers designated by the NAIC as "foreign insurers"—i.e., insurers whose state of domicile is other than the state in which it is writing business.  There is no total in this column to avoid double counting—i.e., insurers are only included in the figures for states in which they are domiciled. (3) Totals include U.S. territories and possessions. (4) No totals shown, so as to avoid double counting.  Totals reflect insurers physically located in the state. Source: Insurance Department Resources Report, 2018, 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

Storm Surge Risk By State By Number Of Homes and Reconstruction Value, 2018 (1)
 
    By number of single-family homes
Rank State Extreme Very high High Moderate Low (2)
1 Florida 351,093 1,064,674 1,752,603 2,292,791 2,774,175
2 Louisiana 72,256 207,442 624,521 747,111 817,480
3 Texas 39,109 117,558 253,947 384,944 543,847
4 New Jersey 95,659 278,539 382,065 471,353 (3)
5 New York 75,238 224,558 347,236 462,380 (3)
6 Virginia 26,960 94,378 246,824 366,478 409,129
7 South Carolina 35,934 126,997 209,026 294,239 347,030
8 North Carolina 32,282 95,286 160,831 210,233 259,718
9 Massachusetts 11,048 46,558 102,189 157,898 (3)
10 Georgia 8,887 50,409 105,735 141,518 152,559
11 Maryland 17,824 60,553 99,056 125,417 (3)
12 Mississippi 9,261 30,353 60,620 90,010 101,720
13 Pennsylvania 932 20,815 56,830 83,808 (3)
14 Connecticut 7,167 28,497 46,618 67,207 (3)
15 Alabama 6,379 17,306 32,331 44,744 57,973
16 Delaware 8,901 24,649 40,048 56,418 (3)
17 Rhode Island 1,876 8,153 17,312 26,484 (3)
18 Maine 5,645 7,960 11,851 18,150 (3)
19 New Hampshire 284 4,551 7,446 9,753 (3)
  Total homes potentially affected 806,735 2,509,236 4,557,089 6,050,936 6,942,499
    By reconstruction value (4) ($ millions)
Rank State Extreme Very high High Moderate Low (2)
1 Florida $68,993 $214,615 $353,434 $458,546 $552,418
2 New York 29,069 92,193 142,654 190,524 (3)
3 Louisiana 15,058 44,362 141,431 169,398 186,089
4 New Jersey 27,211 83,141 116,379 146,074 (3)
5 Texas 6,545 20,281 46,590 73,690 103,258
6 Virginia 6,889 23,533 57,148 84,231 95,057
7 South Carolina 10,366 33,690 52,352 70,363 80,775
8 North Carolina 6,503 19,557 33,348 43,888 54,356
9 Massachusetts 2,980 13,364 29,309 46,443 (3)
10 Georgia 2,740 13,213 24,703 31,745 33,764
11 Maryland 4,349 14,484 23,474 29,807 (3)
12 Connecticut 2,559 9,609 15,453 22,112 (3)
13 Mississippi 1,977 6,157 11,914 17,373 19,558
14 Pennsylvania 216 4,664 13,121 19,445 (3)
15 Delaware 2,636 7,021 11,464 16,078 (3)
16 Alabama 1,204 3,124 5,790 7,962 10,140
17 Rhode Island 529 2,408 5,094 7,809 (3)
18 Maine 1,281 1,914 2,960 4,634 (3)
19 New Hampshire 64 933 1,721 2,312 (3)
  Total homes potentially affected $191,171 $608,264 $1,088,339 $1,442,436 $1,620,653
(1) The risk categories are cumulative and increase in value from extreme to low. Extreme risk signals the higher risk of damage from a weak hurricane, while low risk includes up to Category 5 hurricanes that are the least likely to occur but will cause more storm surge damage inland. (2) The low-risk category refers to Category 5 hurricanes, which are not common along the northeastern Atlantic Coast. (3) Storm surge risk in the low category for homes on the northeastern Atlantic Coast is not shown due to the extremely low probability of a Category 5 storm affecting these areas. (4) Represents the cost to completely rebuild including labor and materials by geographic location. Source: CoreLogic, Inc., a data and analytics company.
Tornadoes And Related Deaths By State, 2017 (1)
 
State Tornadoes Fatalities Rank (2) State Tornadoes Fatalities Rank (2)
Alabama 65 0 7 Montana 2 0 37
Alaska 0 0 (3) Nebraska 38 0 16
Arizona 3 0 34 Nevada 0 0 (3)
Arkansas 26 0 22 New Hampshire 0 0 (3)
California 2 0 37 New Jersey 2 0 37
Colorado 20 0 26 New Mexico 11 0 29
Connecticut 0 0 (3) New York 12 0 28
Delaware 1 0 41 North Carolina 34 0 19
D.C. 1 0 41 North Dakota 41 0 15
Florida 41 0 13 Ohio 43 0 12
Georgia 131 16 2 Oklahoma 62 1 9
Hawaii 0 0 (3) Oregon 3 0 34
Idaho 1 0 41 Pennsylvania 26 0 22
Illinois 65 3 7 Rhode Island 0 0 (3)
Indiana 36 0 17 South Carolina 51 1 11
Iowa 57 0 10 South Dakota 21 0 25
Kansas 74 0 6 Tennessee 35 0 18
Kentucky 29 0 20 Texas 176 4 1
Louisiana 88 3 4 Utah 0 0 (3)
Maine 10 0 31 Vermont 0 0 (3)
Maryland 4 0 33 Virginia 23 0 24
Massachusetts 2 0 37 Washington 3 0 34
Michigan 11 0 29 West Virginia 5 0 32
Minnesota 41 0 13 Wisconsin 28 1 21
Mississippi 81 5 5 Wyoming 15 0 27
Missouri 102 1 3 United States (4) 1,522 35  
(1) Ranked by total number of tornadoes. (2) States with the same number of tornadoes receive the same ranking. (3) State had no tornadoes in 2017. (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, 2018
 
State Number of fires Number of acres burned
Alabama 970 15,464
Alaska 367 410,683
Arizona 2,000 165,356
Arkansas 1,119 24,071
California 8,054 1,823,153
Colorado 1,328 475,803
Connecticut 52 40
Delaware 0 0
District of Columbia 0 0
Florida 2,249 138,820
Georgia 2,572 14,236
Hawaii 3 21,979
Idaho 1,132 604,481
Illinois 6 120
Indiana 26 115
Iowa 386 8,014
Kansas 71 59,234
Kentucky 376 8,417
Louisiana 647 10,742
Maine 542 678
Maryland 76 359
Massachusetts 320 210
Michigan 431 3,786
Minnesota 1,344 17,005
Mississippi 1,168 21,194
Missouri 103 6,025
Montana 1,342 97,814
Nebraska 35 122
Nevada 649 1,001,966
New Hampshire 145 61
New Jersey 625 1,347
New Mexico 1,334 382,345
New York 109 848
North Carolina 3,625 18,058
North Dakota 1,026 19,557
Ohio 67 337
Oklahoma 1,707 745,097
Oregon 2,019 897,263
Pennsylvania 1,276 3,614
Puerto Rico 25 389
Rhode Island 32 14
South Carolina 1,136 9,939
South Dakota 433 5,027
Tennessee 341 3,763
Texas 10,541 569,811
Utah 1,333 438,983
Vermont 59 113
Virginia 1,266 15,224
Washington 1,743 438,834
West Virginia 467 6,370
Wisconsin 825 1,678
Wyoming 611 279,243
United States (1) 58,083 8,767,492
(1) Includes Puerto Rico. Source: National Interagency Fire Center.
Top 10 States For Wildfires Ranked By Number Of Fires And By Number Of Acres Burned, 2018
 
Rank State Number of fires Rank State Number of acres burned
1 Texas 10,541 1 California 1,823,153
2 California 8,054 2 Nevada 1,001,966
3 North Carolina 3,625 3 Oregon 897,263
4 Georgia 2,572 4 Oklahoma 745,097
5 Florida 2,249 5 Idaho 604,481
6 Oregon 2,019 6 Texas 569,811
7 Arizona 2,000 7 Colorado 475,803
8 Washington 1,743 8 Utah 438,983
9 Oklahoma 1,707 9 Washington 438,834
10 Minnesota 1,344 10 Alaska 410,683
Source: National Interagency Fire Center.

Residual Markets

Insurance Provided By FAIR Plans By State, Fiscal Year 2017 (1)
 
  Number of policies    
State Habitational Commercial Total Exposure (2) ($000) Direct premiums written ($000)
California 120,520 3,995 124,515 $47,547,419 $82,387
Connecticut  2,065 69 2,134 404,154 2,993
Delaware 1,603 46 1,649 274,134 556
D.C. 217 31 248 71,955 210
Florida (3) 471,036 11,729 482,765 112,309,525 893,990
Georgia 19,276 672 19,948 2,599,265 22,054
Illinois 5,108 69 5,177 440,000 5,032
Indiana 1,405 36 1,441 169,973 1,544
Iowa 1,420 36 1,456 86,263 928
Kansas 15,955 144 16,099 1,001,116 8,622
Kentucky 9,229 387 9,616 497,000 5,715
Louisiana (3) 59,009 2,540 61,549 7,630,727 75,918
Maryland 1,511 58 1,569 407,738 996
Massachusetts 237,438 279 237,717 85,861,810 303,345
Michigan 18,300 271 18,571 2,299,527 15,442
Minnesota 5,584 38 5,622 754,500 3,985
Mississippi (4) 7,104 0 7,104 321,480 4,822
Missouri 2,833 75 2,908 181,280 1,742
New Jersey 13,245 336 13,581 1,876,469 8,646
New Mexico 11,202 283 11,485 82,518 5,046
New York 39,012 2,411 41,423 11,077,462 33,254
North Carolina 188,786 3,916 192,702 18,669,325 86,381
Ohio 19,616 409 20,025 4,806,000 17,042
Oregon 2,080 60 2,140 283,482 804
Pennsylvania 14,383 960 15,343 1,426,393 7,010
Rhode Island 16,702 126 16,828 4,362,173 23,994
Texas (4) 127,643 0 127,643 18,029,369 112,316
Virginia 30,838 501 31,339 4,361,224 19,100
Washington 67 11 78 21,487 121
West Virginia 421 48 469 34,050 286
Wisconsin 5,704 105 5,809 322,000 3,055
Total 1,449,312 29,641 1,478,953 $327,209,703 $1,747,336
(1) Excludes the FAIR Plans of Arkansas and Hawaii. (2) Exposure is the estimate of the aggregate value of all insurance in force in all FAIR plans in all lines (except liability, where applicable, and crime) for 12 months ending September through December. (3) Citizens Property Insurance Corp., which combined the FAIR and beach plans. (4) The Mississippi and Texas FAIR Plans do not offer a commercial policy. Source: Property Insurance Plans Service Office (PIPSO).
Insurance Provided By Beach And Windstorm Plans, Fiscal Year 2017 (1)
 
  Number of policies    
State Habitational Commercial Total Exposure (2) ($000) Direct premiums written ($000)
Alabama 24,335 68 24,403 $5,800,047 $28,304
Mississippi 26,133 483 26,616 3,959,890 42,457
North Carolina 229,801 11,008 240,809 76,697,787 345,027
South Carolina 30,421 495 30,916 7,844,971 48,829
Texas 231,633 11,010 242,643 65,023,810 423,075
Total 542,323 23,064 565,387 $159,326,505 $887,692
(1) The Florida and Louisiana Beach Plans merged with their FAIR Plans, see chart, Insurance Provided By FAIR Plans By State. (2) Exposure is the estimate of the aggregate value of all insurance in force in each state’s beach and windstorm plan in all lines (except liability, where applicable, and crime) for 12 months ending September through December. Source: Property Insurance Plans Service Office (PIPSO).

Incurred Losses By State

Incurred Losses By State, Property/Casualty Insurance, 2017 (1)
($000)
State Incurred losses State Incurred losses
Alabama $5,104,264 Montana $1,410,271
Alaska 844,581 Nebraska 3,340,270
Arizona 6,493,981 Nevada 3,247,454
Arkansas 2,780,295 New Hampshire 1,243,508
California 58,112,010 New Jersey 11,656,812
Colorado 9,156,574 New Mexico 2,084,079
Connecticut 4,494,046 New York 25,970,886
Delaware 1,407,646 North Carolina 8,496,319
D.C. 1,036,446 North Dakota 1,324,201
Florida 39,271,790 Ohio 8,251,531
Georgia 13,114,682 Oklahoma 4,049,679
Hawaii 1,367,157 Oregon 4,082,394
Idaho 1,820,678 Pennsylvania 12,774,124
Illinois 14,162,621 Rhode Island 1,214,987
Indiana 6,190,454 South Carolina 5,707,526
Iowa 3,690,528 South Dakota 1,391,812
Kansas 3,470,295 Tennessee 6,624,668
Kentucky 4,372,113 Texas 50,725,857
Louisiana 6,050,866 Utah 2,428,259
Maine 1,129,225 Vermont 564,504
Maryland 6,883,026 Virginia 7,784,985
Massachusetts 6,951,177 Washington 6,920,169
Michigan 12,262,443 West Virginia 1,531,462
Minnesota 6,980,515 Wisconsin 5,727,526
Mississippi 2,862,769 Wyoming 644,350
Missouri 7,301,468 United States $406,509,281
(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, 2017 (1)
($000)
State Incurred losses State Incurred losses
Alaska $314,041 Montana $411,205
Alabama 2,163,043 Nebraska 860,459
Arizona 3,226,156 Nevada 1,688,025
Arkansas 1,198,932 New Hampshire 505,578
California 18,625,970 New Jersey 4,926,189
Colorado 3,621,116 New Mexico 914,028
Connecticut 1,906,622 New York 9,059,254
Delaware 586,852 North Carolina 3,997,191
D.C. 235,709 North Dakota 260,548
Florida 13,261,488 Ohio 3,983,859
Georgia 5,916,878 Oklahoma 1,504,946
Hawaii 447,382 Oregon 1,790,472
Idaho 596,777 Pennsylvania 5,401,625
Illinois 4,725,727 Rhode Island 606,543
Indiana 2,279,484 South Carolina 2,720,023
Iowa 1,113,383 South Dakota 344,543
Kansas 1,148,198 Tennessee 2,587,310
Kentucky 1,982,809 Texas 15,744,714
Louisiana 3,090,851 Utah 1,246,869
Maine 440,683 Vermont 209,206
Maryland 3,381,242 Virginia 3,509,583
Massachusetts 3,174,053 Washington 3,388,213
Michigan 7,274,070 West Virginia 678,378
Minnesota 2,253,567 Wisconsin 1,929,914
Mississippi 1,181,686 Wyoming 253,819
Missouri 2,564,790 United States $86,711,509
(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, 2017 (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 $44,712,084
(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, 2017 (1)
($000)
State Incurred losses State Incurred losses
Alabama $1,928,273 Montana $807,159
Alaska 443,063 Nebraska 1,437,794
Arizona 2,430,346 Nevada 1,222,748
Arkansas 1,071,138 New Hampshire 542,395
California 23,074,869 New Jersey 5,567,523
Colorado 3,584,356 New Mexico 735,018
Connecticut 2,004,376 New York 14,333,172
Delaware 649,864 North Carolina 3,125,029
D.C. 685,534 North Dakota 916,495
Florida 17,443,457 Ohio 2,625,184
Georgia 4,681,475 Oklahoma 1,671,479
Hawaii 785,333 Oregon 1,629,661
Idaho 887,780 Pennsylvania 5,588,566
Illinois 6,200,515 Rhode Island 442,866
Indiana 2,498,782 South Carolina 2,177,300
Iowa 1,676,262 South Dakota 773,575
Kansas 1,494,815 Tennessee 2,796,851
Kentucky 1,665,873 Texas 27,387,739
Louisiana 2,300,704 Utah 844,603
Maine 471,229 Vermont 245,094
Maryland 2,533,930 Virginia 2,826,933
Massachusetts 2,978,951 Washington 2,463,108
Michigan 3,257,866 West Virginia 624,322
Minnesota 2,686,584 Wisconsin 2,707,541
Mississippi 1,165,296 Wyoming 218,242
Missouri 3,153,603 United States $91,754,274
(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, 2017 (1)
($000)
State Incurred losses State Incurred losses
Alabama $176,437 Montana $163,526
Alaska 105,672 Nebraska 209,544
Arizona 469,656 Nevada 174,104
Arkansas 125,986 New Hampshire 112,784
California 6,011,058 New Jersey 1,323,660
Colorado 528,620 New Mexico 114,313
Connecticut 458,748 New York 3,242,825
Delaware 72,980 North Carolina 602,170
D.C. 112,772 North Dakota 683
Florida 1,688,733 Ohio 9,978
Georgia 824,447 Oklahoma 254,466
Hawaii 156,256 Oregon 322,169
Idaho 260,286 Pennsylvania 1,112,075
Illinois 1,154,306 Rhode Island 115,491
Indiana 366,081 South Carolina 447,122
Iowa 449,446 South Dakota 77,045
Kansas 199,467 Tennessee 378,647
Kentucky 376,290 Texas 855,626
Louisiana 366,253 Utah 182,566
Maine 145,179 Vermont 97,560
Maryland 535,091 Virginia 631,011
Massachusetts 770,369 Washington 10,496
Michigan 465,029 West Virginia 111,717
Minnesota 513,035 Wisconsin 1,114,273
Mississippi 181,370 Wyoming 566
Missouri 517,850 United States $17,031,418
(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, 2017 (1)
($000)
State Incurred losses State Incurred losses
Alabama $5,783,196 Montana $1,143,322
Alaska 1,043,621 Nebraska 3,555,187
Arizona 9,635,139 Nevada 2,973,536
Arkansas 2,929,500 New Hampshire 2,733,356
California 49,712,978 New Jersey 20,620,200
Colorado 8,025,467 New Mexico 2,476,972
Connecticut 21,504,856 New York 42,760,880
Delaware 12,517,265 North Carolina 16,392,113
D.C. 2,110,613 North Dakota 1,144,214
Florida 34,171,576 Ohio 19,966,748
Georgia 13,338,035 Oklahoma 5,613,329
Hawaii 2,436,644 Oregon 5,565,018
Idaho 1,996,330 Pennsylvania 24,910,828
Illinois 21,127,344 Rhode Island 1,939,775
Indiana 9,754,870 South Carolina 6,526,239
Iowa 7,606,423 South Dakota 1,365,396
Kansas 4,590,045 Tennessee 9,410,224
Kentucky 5,830,964 Texas 30,845,002
Louisiana 6,280,088 Utah 3,805,776
Maine 2,009,390 Vermont 1,056,817
Maryland 9,685,825 Virginia 11,998,252
Massachusetts 16,163,602 Washington 9,086,861
Michigan 17,930,509 West Virginia 2,138,764
Minnesota 12,898,961 Wisconsin 10,383,029
Mississippi 2,955,833 Wyoming 843,230
Missouri 11,086,371 United States $293,125,445
(1) On a direct basis before reinsurance. Includes life insurance, death benefits, matured endowments, annuity benefits, and other life insurance benefits. Does not include accident and health benefits. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Insured Cars By State

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

Insured Homes By State

Percent Of Occupied Housing Units That Are Owner Occupied, 2017
 
State Percent Rank (1) State Percent Rank (1)
Alabama 68.0% 17 Montana 69.2% 12
Alaska 63.5 39 Nebraska 66.3 25
Arizona 64.7 37 Nevada 56.6 48
Arkansas 65.3 33 New Hampshire 69.8 9
California 54.8 49 New Jersey 63.8 38
Colorado 65.2 34 New Mexico 67.9 18
Connecticut 66.2 26 New York 53.8 50
Delaware 70.9 6 North Carolina 65.4 31
D.C. 42.2 51 North Dakota 63.4 40
Florida 65.2 34 Ohio 65.8 29
Georgia 62.9 41 Oklahoma 65.5 30
Hawaii 58.5 47 Oregon 62.8 42
Idaho 69.7 10 Pennsylvania 68.3 16
Illinois 66.2 26 Rhode Island 60.8 46
Indiana 69.0 13 South Carolina 68.7 14
Iowa 71.6 3 South Dakota 67.7 19
Kansas 65.9 28 Tennessee 65.4 31
Kentucky 66.5 24 Texas 62.0 45
Louisiana 65.2 34 Utah 69.9 8
Maine 73.2 1 Vermont 69.5 11
Maryland 66.7 21 Virginia 66.6 22
Massachusetts 62.3 44 Washington 62.8 42
Michigan 71.3 5 West Virginia 72.5 2
Minnesota 71.6 3 Wisconsin 66.6 22
Mississippi 68.5 15 Wyoming 70.8 7
Missouri 67.0 20 United States 63.9%  
(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, 2016 (1)
 
State Number of establishments Employment Annual payroll ($000)
Alabama 78,143 789,425 $30,018,575
Alaska 17,943 141,147 7,124,700
Arizona 110,567 1,039,228 41,008,852
Arkansas 53,268 490,497 16,631,510
California 791,268 7,129,204 358,150,665
Colorado 139,250 1,117,202 49,785,711
Connecticut 73,668 750,457 38,147,323
Delaware 20,125 187,556 8,405,445
D.C. 17,494 247,461 17,036,469
Florida 459,442 3,397,931 136,614,721
Georgia 183,114 1,637,892 67,493,750
Hawaii 26,827 275,115 11,002,038
Idaho 39,638 315,753 10,949,145
Illinois 267,689 2,485,857 117,261,950
Indiana 115,190 1,222,372 46,269,304
Iowa 68,059 651,635 24,572,165
Kansas 61,431 604,215 23,059,844
Kentucky 72,174 702,054 25,306,833
Louisiana 85,918 902,758 35,251,364
Maine 35,675 289,156 10,862,375
Maryland 113,364 1,143,191 55,359,804
Massachusetts 148,286 1,490,416 80,670,085
Michigan 183,654 1,868,885 78,501,914
Minnesota 125,762 1,254,958 53,513,795
Mississippi 46,691 440,399 14,687,162
Missouri 132,403 1,168,725 44,660,147
Montana 33,571 245,411 8,535,610
Nebraska 45,835 412,291 15,497,472
Nevada 52,395 487,407 19,827,058
New Hampshire 31,262 295,895 13,519,733
New Jersey 198,465 1,810,107 88,789,061
New Mexico 35,363 334,945 11,893,311
New York 479,785 4,106,086 212,598,431
North Carolina 183,310 1,672,050 63,259,331
North Dakota 20,984 198,964 8,091,321
Ohio 198,256 2,192,920 86,821,441
Oklahoma 76,777 712,582 26,249,309
Oregon 98,754 852,983 33,924,027
Pennsylvania 244,364 2,497,524 104,480,380
Rhode Island 24,353 229,974 9,737,106
South Carolina 83,895 794,711 28,305,722
South Dakota 23,489 210,534 7,372,619
Tennessee 103,404 1,096,245 44,433,022
Texas 461,664 4,706,864 203,630,905
Utah 65,802 572,888 22,826,217
Vermont 18,696 161,080 6,379,406
Virginia 158,783 1,535,136 71,122,620
Washington 158,747 1,379,558 63,729,094
West Virginia 28,519 275,145 9,193,591
Wisconsin 116,427 1,258,929 48,714,638
Wyoming 18,335 131,499 5,189,974
United States 6,428,278 59,915,217 $2,616,467,045
(1) Number of establishments with less than 500 employees. Source: U.S. Census, County Business.