A Firm Foundation: How Insurance Supports the Economy

A 50-State Commitment

Employment

Insurance Carriers And Related Activities Employment By State, 2016 (1)
 
State Number of employees State Number of employees
Alabama 38,273 Montana 8,750
Alaska 2,631 Nebraska 34,245
Arizona 66,331 Nevada 19,689
Arkansas 22,309 New Hampshire 18,256
California 322,897 New Jersey 101,714
Colorado 55,773 New Mexico 12,472
Connecticut 68,376 New York 197,257
Delaware 7,929 North Carolina 82,812
D.C. 4,130 North Dakota 10,573
Florida 219,494 Ohio 140,336
Georgia 107,238 Oklahoma 31,207
Hawaii 10,855 Oregon 33,589
Idaho 13,551 Pennsylvania 155,103
Illinois 153,401 Rhode Island 11,667
Indiana 63,602 South Carolina 42,923
Iowa 57,742 South Dakota 12,056
Kansas 38,081 Tennessee 64,285
Kentucky 44,137 Texas 279,553
Louisiana 36,538 Utah 27,814
Maine 13,798 Vermont 5,005
Maryland 48,924 Virginia 68,271
Massachusetts 83,230 Washington 55,243
Michigan 81,355 West Virginia 11,125
Minnesota 74,374 Wisconsin 80,794
Mississippi 19,005 Wyoming 3,474
Missouri 68,013 United States 3,230,200
(1) Total full-time and part-time employment. Note: Does not match data shown elsewhere due to the use of different surveys. Data as of September 2017. Source: U.S. Department of Commerce, Bureau of Economic Analysis, Regional Economic Information System.
Insurance Carriers And Related Activities Compensation By State, 2014-2015
($000)
  Annual payroll   Annual payroll
State 2014 2015 State 2014 2015
Alabama $2,498,244 $2,709,895 Montana $439,778 $455,039
Alaska 165,800 171,125 Nebraska 2,142,758 2,219,437
Arizona 3,744,194 4,249,752 Nevada 1,069,263 1,169,785
Arkansas 1,026,768 1,093,710 New Hampshire 1,516,849 1,618,499
California 22,386,375 24,068,807 New Jersey 10,374,306 11,202,401
Colorado 3,765,733 3,981,654 New Mexico 620,373 668,444
Connecticut 8,525,134 8,915,638 New York 20,384,812 21,023,412
Delaware 720,490 683,840 North Carolina 4,893,047 5,301,823
D.C. 629,197 705,818 North Dakota 550,398 569,841
Florida 13,276,314 14,526,790 Ohio 9,598,040 10,191,241
Georgia 7,404,292 7,767,628 Oklahoma 1,616,723 1,722,990
Hawaii 601,267 647,148 Oregon 2,253,313 2,441,202
Idaho 595,963 642,145 Pennsylvania 12,432,480 12,844,350
Illinois 12,008,621 13,411,758 Rhode Island 952,105 996,197
Indiana 3,980,429 4,207,941 South Carolina 2,294,404 2,448,029
Iowa 3,932,230 4,120,253 South Dakota 568,884 594,785
Kansas 2,491,948 2,611,522 Tennessee 4,001,014 4,108,274
Kentucky 2,823,530 3,119,472 Texas 17,270,892 18,745,943
Louisiana 2,105,332 2,107,917 Utah 1,353,540 1,502,945
Maine 994,848 1,032,795 Vermont 356,162 379,033
Maryland 3,796,819 3,947,497 Virginia 4,721,591 4,926,127
Massachusetts 7,967,065 8,541,823 Washington 4,007,888 4,205,186
Michigan 5,126,878 5,321,780 West Virginia 543,856 554,307
Minnesota 7,406,986 7,905,615 Wisconsin 5,489,072 5,785,376
Mississippi 845,952 881,489 Wyoming 155,385 159,219
Missouri 4,411,658 4,682,303 United States $232,839,000 $247,890,000
Source: U.S. Department of Commerce, Bureau of Economic Analysis, Regional Economic Information System.

Premiums

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

Surplus Lines

Gross Surplus Lines Premiums By State, 2015 (1)
($ millions)
State Total all lines
Alabama  $529.8
Alaska  126.0
Arizona  468.0
Arkansas  N/A 
California  6,899.3
Colorado  726.2
Connecticut  535.6
Delaware  106.9
D.C 244.2
Florida  4,925.4
Georgia  1,039.3
Hawaii  231.1
Idaho  N/A 
Illinois  1,419.2
Indiana  473.8
Iowa  286.6
Kansas  181.6
Kentucky  211.7
Louisiana  1,370.0
Maine  99.0
Maryland (1) 498.8
Massachusetts  (2)  907.7
Michigan  N/A 
Minnesota  499.8
Mississippi  361.5
Missouri  624.3
Montana  92.3
Nebraska  154.7
Nevada  277.1
New Hampshire  90.5
New Jersey  1,710.0
New Mexico  94.3
New York  3,631.2
North Carolina  666.3
North Dakota  108.4
Ohio  N/A 
Oklahoma  380.4
Oregon  331.0
Pennsylvania  N/A 
Rhode Island  (3) 21.6
South Carolina  622.7
South Dakota  52.5
Tennessee  (4) 592.3
Texas  5,203.8
Utah  225.6
Vermont  49.5
Virginia  665.9
Washington  763.2
West Virginia  103.1
Wisconsin  330.2
Wyoming  58.9
United States $38,990.9
(1) Business Insurance estimate. (2) Massachusetts Division of Insurance estimate. (3) Rhode Island Division of Taxation estimate. (4) Tennessee Department of Commerce and Insurance estimate. N/A=Data not available. Source: Business Insurance (www.businessinsurance.com), October, 2016.

Gross State Product

Gross State Product (GSP), Insurance Carriers And Related Activities, 2013-2014
($ millions)
State 2013 2014 As a percent of 2014 total GSP
Alabama $3,597 $3,936 1.99%
Alaska 358 356 0.61
Arizona 7,913 6,842 2.43
Arkansas 1,708 1,899 1.57
California 31,353 33,382 1.44
Colorado 5,917 5,712 1.87
Connecticut 17,102 17,403 6.94
Delaware 5,856 8,023 12.25
D.C. 1,160 1,363 1.17
Florida 19,868 22,719 2.72
Georgia 9,867 10,921 2.31
Hawaii 1,217 1,343 1.76
Idaho 930 1,001 1.58
Illinois 26,286 30,598 4.12
Indiana 8,798 11,218 3.46
Iowa 10,836 12,537 7.34
Kansas 4,107 4,421 3.02
Kentucky 4,094 4,812 2.55
Louisiana 3,541 3,876 1.58
Maine 1,595 1,752 3.18
Maryland 6,942 7,813 2.23
Massachusetts 13,211 13,295 2.91
Michigan 11,447 12,165 2.72
Minnesota 10,942 12,533 3.91
Mississippi 1,587 1,673 1.59
Missouri 7,352 7,802 2.75
Montana 627 672 1.50
Nebraska 5,384 6,385 5.77
Nevada 1,759 1,988 1.48
New Hampshire 3,035 3,619 5.14
New Jersey 19,716 15,186 2.78
New Mexico 1,084 1,274 1.34
New York 39,978 44,399 3.20
North Carolina 6,819 7,858 1.66
North Dakota 763 1,088 1.87
Ohio 17,662 20,772 3.53
Oklahoma 2,762 2,929 1.54
Oregon 3,503 3,974 1.95
Pennsylvania 20,886 22,758 3.38
Rhode Island 2,087 2,451 4.45
South Carolina 3,636 3,887 2.05
South Dakota 918 1,009 2.21
Tennessee 6,896 7,234 2.41
Texas 26,414 30,939 1.93
Utah 2,176 2,390 1.70
Vermont 777 1,022 3.45
Virginia 6,250 7,073 1.53
Washington 5,948 6,514 1.54
West Virginia 1,115 1,173 1.58
Wisconsin 12,233 14,073 4.80
Wyoming 267 276 0.68
United States $410,277 $450,336 2.61%
Note: Last updated: June 14, 2016. Source: U.S. Department of Commerce, Bureau of Economic Analysis.

State Taxes

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

Insurance Companies By State

Domestic Insurance Companies By State, Property/Casualty And Life/Annuities, 2016
 
State Property/casualty Life/annuities State Property/casualty Life/annuities
Alabama 19 6 Montana 14 1
Alaska 5 0 Nebraska 34 31
Arizona 41 24 Nevada 11 3
Arkansas 11 25 New Hampshire 50 1
California 100 14 New Jersey 68 3
Colorado 10 11 New Mexico 15 1
Connecticut 69 27 New York 173 80
Delaware 99 28 North Carolina 58 10
D.C. 6 0 North Dakota 12 3
Florida 118 9 Ohio 138 37
Georgia 23 12 Oklahoma 29 24
Hawaii 17 3 Oregon 18 3
Idaho 8 1 Pennsylvania 180 26
Illinois 191 53 Rhode Island 20 2
Indiana 67 27 South Carolina 21 7
Iowa 72 38 South Dakota 16 2
Kansas 25 11 Tennessee 15 13
Kentucky 6 7 Texas 199 121
Louisiana 32 37 Utah 10 17
Maine 9 2 Vermont 12 1
Maryland 32 4 Virginia 19 3
Massachusetts 49 17 Washington 8 7
Michigan 68 22 West Virginia 19 1
Minnesota 39 10 Wisconsin 170 18
Mississippi 15 15 Wyoming 2 0
Missouri 45 25 United States (1) 2,487 843
(1) Excludes territories. Excludes health insurers, risk retention groups, fraternals, title and other insurers. Source: Insurance Department Resources Report, 2017, published by the National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.
Regulated Insurance Entities By State, 2015
 
State Domestic insurers (1) Licensed out-of-state insurers (2) Chartered self-insured groups or pools Chartered purchasing groups All companies doing business in state (3)
Alabama 38 1,378 0 9 1,425
Alaska 13 750 0 2 765
Arizona 120 1,574 25 23 1,742
Arkansas 56 1,489 0 1 1,546
California 136 1,116 0 42 1,294
Colorado 46 1,441 9 40 1,536
Connecticut 98 1,211 0 25 1,334
Delaware 147 1,322 0 181 1,650
D.C. 50 1,352 0 25 1,427
Florida 444 1,622 13 50 2,129
Georgia 91 1,614 23 0 1,728
Hawaii 46 1,055 12 7 1,120
Idaho 14 1,439 13 1 1,467
Illinois 343 1,397 12 149 1,901
Indiana 152 1,623 15 19 1,809
Iowa 221 1,371 3 0 1,595
Kansas 49 1,590 17 15 1,671
Kentucky 38 1,517 14 11 1,580
Louisiana 107 1,479 24 3 1,613
Maine 18 1,120 17 1 1,156
Maryland 61 1,501 5 10 1,577
Massachusetts 84 1,288 25 7 1,404
Michigan 137 1,391 17 7 1,552
Minnesota 154 1,352 19 18 1,543
Mississippi 40 1,496 0 2 1,538
Missouri 173 1,483 11 6 1,673
Montana 45 1,398 0 6 1,449
Nebraska 97 1,458 6 5 1,566
Nevada 54 1,498 9 4 1,565
New Hampshire 60 1,096 0 0 1,156
New Jersey 116 1,295 50 40 1,501
New Mexico 24 1,425 5 0 1,454
New York 580 1,165 12 71 1,828
North Carolina 78 1,413 3 0 1,494
North Dakota 31 1,341 2 2 1,376
Ohio 242 1,481 0 24 1,747
Oklahoma 78 1,461 3 5 1,547
Oregon 48 1,458 0 6 1,512
Pennsylvania 270 1,530 15 28 1,843
Rhode Island 27 1,302 1 25 1,355
South Carolina 77 1,738 0 8 1,823
South Dakota 40 1,314 0 0 1,354
Tennessee 61 1,468 8 6 1,543
Texas 400 1,557 6 66 2,029
Utah 79 1,605 0 12 1,696
Vermont 109 1,616 0 5 1,730
Virginia 62 1,606 17 17 1,702
Washington 37 1,403 0 11 1,451
West Virginia 28 1,373 1 2 1,404
Wisconsin 325 1,539 0 7 1,871
Wyoming 6 1,349 0 1 1,356
Total U.S. (3) 5,926 (4) 412 1,005 7,902
(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 insuresr"—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, 2015, 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, 2016 (1)
State Tornadoes Fatalities Rank (2) State Tornadoes Fatalities Rank (2)
Alabama 87 3 3 Montana 4 0 30
Alaska 0 0 (3) Nebraska 47 0 8
Arizona 3 0 32 Nevada 0 0 (3)
Arkansas 23 0 18 New Hampshire 2 0 36
California 7 0 27 New Jersey 2 0 36
Colorado 45 0 10 New Mexico 3 0 32
Connecticut 0 0 (3) New York 1 0 41
D.C. 0 0 (3) North Carolina 16 0 20
Delaware 0 0 (3) North Dakota 32 0 13
Florida 48 2 7 Ohio 31 0 15
Georgia 27 0 17 Oklahoma 55 2 5
Hawaii 0 0 (3) Oregon 4 0 30
Idaho 1 0 41 Pennsylvania 9 0 26
Illinois 50 0 6 Rhode Island 0 0 (3)
Indiana 40 0 12 South Carolina 3 0 32
Iowa 46 0 9 South Dakota 16 0 20
Kansas 99 0 1 Tennessee 11 2 24
Kentucky 32 0 13 Texas 90 1 2
Louisiana 31 2 15 Utah 3 0 32
Maine 2 0 36 Vermont 0 0 (3)
Maryland 2 0 36 Virginia 12 4 23
Massachusetts 2 0 36 Washington 6 0 28
Michigan 15 0 22 West Virginia 6 0 28
Minnesota 44 0 11 Wisconsin 11 0 24
Mississippi 67 1 4 Wyoming 1 0 41
Missouri 23 0 18 United States 1,059 17  
  (1) Ranked by total number of tornadoes. (2) States with the same number receive the same ranking. (3) State had no tornadoes in 2016. (4) The U.S. total will not match data used in other charts because it counts tornadoes that cross state lines. Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
Wildfires By State, 2016
State Number of fires Number of acres burned 
Alaska 572 496,467
Alabama 3,923 59,030
Arizona 2,288 308,245
Arkansas 1,513 33,371
California 7,349 560,815
Colorado 1,190 129,495
Connecticut 268 778
Delaware                           (1)                                      (1)
Florida 3,067 74,416
Georgia 5,086 52,119
Hawaii 10 15,098
Idaho 630 361,649
Illinois 12 133
Indiana 27 620
Iowa 465 21,371
Kansas 75 349,829
Kentucky 1,220 73,864
Louisiana 508 7,799
Maine 796 946
Maryland 120 242
Massachusetts 1,526 1,381
Michigan 389 3,666
Minnesota 1,422 12,268
Mississippi 94 8,128
Missouri 2,610 32,134
Montana 2,026 114,594
Nebraska 45 24,498
Nevada 467 265,156
New Hampshire 148 880
New Jersey 1,050 4,445
New Mexico 1,240 212,425
New York  196 4,236
North Carolina 4,007 88,109
North Dakota 563 4,657
Ohio 410 1,116
Oklahoma 1,938 767,780
Oregon 1,245 219,509
Pennsylvania 871 12,245
Rhode Island 79 57
South Carolina 982 3,804
South Dakota 1,216 81,561
Tennessee 2,165 88,038
Texas 9,300 356,680
Utah 1,078 101,096
Vermont 150 386
Virginia 580 41,441
Washington 1,272 293,717
West Virginia 18 443
Wisconsin 713 695
Wyoming 711 218,077
United States (2) 67,743 5,509,995
(1) Delaware had no wildfires in 2016. (2) Includes Puerto Rico which had 113 fires that burned 486 acres. Source: National Interagency Fire Center.

Residual Markets

Insurance Provided By FAIR Plans By State, Fiscal Year 2016 (1)
  Number of policies    
State Habitational Commercial Total Exposure (2) ($000) Direct premiums written ($000)
California 122,335 4,355 126,690 $46,316,568 $78,775
Connecticut 2,345 72 2,417 440,243 3,384
Delaware 1,778 69 1,847 257,260 605
D.C. 255 36 291 85,241 263
Florida (3) 502,090 18,304 520,394 124,063,056 973,840
Georgia 21,985 859 22,844 2,963,769 23,674
Illinois 5,449 68 5,517 614,579 6,176
Indiana 1,866 48 1,914 197,410 1,758
Iowa 1,529 38 1,567 94,830 985
Kansas 16,486 168 16,654 1,001 8,931
Kentucky 9,924 409 10,333 499,742 6,480
Louisiana (3) 78,174 2,833 81,007 10,349,958 105,099
Maryland 1,596 72 1,668 464,933 1,101
Massachusetts 219,729 299 220,028 84,843,463 299,225
Michigan 19,363 320 19,683 2,446,443 18,219
Minnesota 5,678 49 5,727 865,778 4,300
Mississippi (4) 7,944 0 7,944 477,402 5,997
Missouri 3,361 104 3,465 208,272 2,010
New Jersey 14,685 376 15,061 2,084,152 9,617
New Mexico 11,104 294 11,398 85,104 4,865
New York 43,567 2,728 46,295 12,263,000 34,705
North Carolina 166,344 3,464 169,808 17,113,601 78,079
Ohio 22,720 423 23,143 5,356,782 19,412
Oregon 1,827 56 1,883 282,831 895
Pennsylvania 15,959 1,267 17,226 1,439,726 7,383
Rhode Island 17,895 136 18,031 4,560,594 23,847
Texas (4) 143,599 0 143,599 19,883,768 122,486
Virginia 32,147 508 32,655 4,464,803 19,962
Washington 65 13 78 18,726 115
West Virginia 431 52 483 28,955 307
Wisconsin 6,200 102 6,302 370,000 3,249
Total 1,498,430 37,522 1,535,952 $343,141,990 $1,865,744
(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, 2016 (1)
($000)
State Incurred losses
Alabama $4,702,498
Alaska 748,965
Arizona 6,262,281
Arkansas 3,393,075
California 42,601,889
Colorado 8,129,467
Connecticut 4,353,785
Delaware 1,368,479
D.C. 1,135,442
Florida 25,578,739
Georgia 12,152,213
Hawaii 1,023,805
Idaho 1,410,960
Illinois 13,499,993
Indiana 6,156,129
Iowa 3,058,337
Kansas 3,134,387
Kentucky 4,248,513
Louisiana 9,459,225
Maine 1,015,724
Maryland 6,632,433
Massachusetts 7,141,010
Michigan 12,149,171
Minnesota 5,754,919
Mississippi 2,748,757
Missouri 6,687,016
Montana 1,653,947
Nebraska 2,974,883
Nevada 3,220,734
New Hampshire 1,092,834
New Jersey 11,841,981
New Mexico 1,984,835
New York 26,031,972
North Carolina 8,924,484
North Dakota 1,583,971
Ohio 8,247,122
Oklahoma 4,110,977
Oregon 3,648,622
Pennsylvania 13,570,725
Rhode Island 1,261,050
South Carolina 6,014,985
South Dakota 1,159,593
Tennessee 6,856,636
Texas 37,067,174
Utah 2,495,715
Vermont 549,899
Virginia 7,730,072
Washington 6,436,211
West Virginia 1,742,627
Wisconsin 5,416,884
Wyoming 680,532
United States $360,845,678
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Incurred Losses By State, Private Passenger Auto Insurance 2015 (1)
($000)
State Incurred losses
Alabama $1,906,584
Alaska 276,066
Arizona 2,675,839
Arkansas 1,122,587
California 15,382,937
Colorado 2,660,670
Connecticut 1,719,905
Delaware 508,204
D.C. 211,528
Florida 10,856,351
Georgia 4,940,476
Hawaii 412,644
Idaho 492,323
Illinois 4,196,591
Indiana 2,111,071
Iowa 936,035
Kansas 1,000,509
Kentucky 1,792,355
Louisiana 2,693,795
Maine 386,177
Maryland 3,023,817
Massachusetts 3,009,128
Michigan 6,455,177
Minnesota 1,900,053
Mississipi 1,072,867
Missouri 2,229,659
Montana 415,385
Nebraska 667,420
Nevada 1,398,463
New Hampshire 447,432
New Jersey 4,595,868
New Mexico 791,723
New York 8,054,371
North Carolina 3,371,399
North Dakota 253,542
Ohio 3,645,228
Oklahoma 1,509,122
Oregon 1,596,712
Pennsylvania 5,169,358
Rhode Island 564,885
South Carolina 2,346,406
South Dakota 323,744
Tennessee 2,222,227
Texas 12,318,242
Utah 1,058,844
Vermont 198,602
Virginia 3,127,496
Washington 2,990,379
West Virginia 683,720
Wisconsin 1,720,781
Wyoming 211,180
United States $133,655,881
(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, 2015 (1)
($000)
State Incurred losses
Alabama $695,522
Alaska 68,533
Arizona 706,165
Arkansas 477,411
California 4,256,929
Colorado 1,216,908
Connecticut 712,339
Delaware 105,045
D.C. 73,947
Florida 2,561,932
Georgia 1,544,701
Hawaii 116,398
Idaho 186,335
Illinois 2,033,522
Indiana 810,386
Iowa 247,267
Kansas 421,966
Kentucky 547,226
Louisiana 521,775
Maine 174,385
Maryland 867,844
Massachusetts 2,287,622
Michigan 1,380,401
Minnesota 946,558
Mississipi 344,033
Missouri 1,040,003
Montana 184,326
Nebraska 239,185
Nevada 243,529
New Hampshire 233,563
New Jersey 1,250,623
New Mexico 312,230
New York 2,472,192
North Carolina 1,016,431
North Dakota 66,051
Ohio 1,168,420
Oklahoma 932,634
Oregon 378,010
Pennsylvania 1,639,896
Rhode Island 332,111
South Carolina 601,532
South Dakota 177,116
Tennessee 814,940
Texas 4,161,924
Utah 207,436
Vermont 84,010
Virginia 906,159
Washington 976,648
West Virginia 199,798
Wisconsin 559,545
Wyoming 84,436
United States $43,587,896
(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 2015 (1)
($000)
State Incurred losses
Alabama $1,419,112
Alaska 363,728
Arizona 2,003,706
Arkansas 1,254,554
California 19,541,990
Colorado 2,414,087
Connecticut 2,070,338
Delaware 730,994
D.C. 433,554
Florida 8,501,510
Georgia 3,838,360
Hawaii 468,302
Idaho 659,553
Illinois 6,830,931
Indiana 2,566,434
Iowa 1,835,903
Kansas 1,402,724
Kentucky 1,867,224
Louisiana 2,343,340
Maine 455,772
Maryland 2,506,106
Massachusetts 3,469,767
Michigan 3,050,107
Minnesota 2,722,581
Mississipi 1,051,255
Missouri 2,873,340
Montana 610,515
Nebraska 1,229,100
Nevada 1,152,076
New Hampshire 462,900
New Jersey 6,125,955
New Mexico 767,124
New York 14,427,862
North Carolina 2,976,335
North Dakota 714,856
Ohio 2,887,160
Oklahoma 1,937,525
Oregon 1,256,062
Pennsylvania 6,158,809
Rhode Island 649,997
South Carolina 2,041,220
South Dakota 573,390
Tennessee 2,520,768
Texas 12,032,177
Utah 869,470
Vermont 325,623
Virginia 2,501,229
Washington 2,283,069
West Virginia 495,327
Wisconsin 2,489,079
Wyoming 182,318
United States $144,345,217
(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 2015 (1)
($000)
State Incurred losses
Alabama $174,567
Alaska 138,768
Arizona 499,695
Arkansas 119,775
California 6,824,643
Colorado 599,272
Connecticut 568,627
Delaware 119,434
D.C. 90,055
Florida 1,492,870
Georgia 823,370
Hawaii 137,642
Idaho 265,304
Illinois 1,497,976
Indiana 477,726
Iowa 437,508
Kansas 229,536
Kentucky 388,380
Louisiana 435,474
Maine 126,394
Maryland 579,489
Massachusetts 795,078
Michigan 522,625
Minnesota 575,678
Mississipi 198,102
Missouri 535,681
Montana 157,412
Nebraska 221,674
Nevada 160,502
New Hampshire 121,182
New Jersey 1,498,952
New Mexico 156,288
New York 3,561,668
North Carolina 735,171
North Dakota 684
Ohio 13,597
Oklahoma 444,347
Oregon 344,003
Pennsylvania 1,622,926
Rhode Island 132,976
South Carolina 504,079
South Dakota 97,071
Tennessee 450,214
Texas 1,226,817
Utah 228,647
Vermont 117,213
Virginia 672,906
Washington 1,416
West Virginia 77,099
Wisconsin 1,134,372
Wyoming 3,734
United States $32,338,616
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.   Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Life Insurance Claims And Benefits Paid By State, 2015 (1)
($000)
State Incurred losses
Alabama $5,402,371
Alaska 1,124,489
Arizona 8,709,067
Arkansas 2,855,016
California 45,711,436
Colorado 7,716,105
Connecticut 17,827,167
Delaware 7,301,431
D.C. 2,405,674
Florida 31,781,067
Georgia 10,951,080
Hawaii 2,800,156
Idaho 1,836,051
Illinois 18,729,786
Indiana 9,167,815
Iowa 5,333,271
Kansas 4,595,145
Kentucky 4,967,446
Louisiana 5,695,238
Maine 2,153,539
Maryland 9,271,912
Massachusetts 14,230,104
Michigan 16,828,307
Minnesota 10,760,355
Mississipi 2,802,160
Missouri 10,133,759
Montana 1,095,615
Nebraska 3,421,982
Nevada 3,036,299
New Hampshire 2,573,916
New Jersey 20,833,249
New Mexico 2,371,793
New York 42,064,398
North Carolina 12,850,918
North Dakota 989,103
Ohio 18,193,176
Oklahoma 3,864,466
Oregon 5,464,001
Pennsylvania 23,591,965
Rhode Island 1,840,121
South Carolina 5,764,681
South Dakota 1,200,421
Tennessee 8,312,219
Texas 27,591,431
Utah 3,784,493
Vermont 1,099,179
Virgina 10,737,563
Washington 8,314,868
West Virginia 2,063,559
Wisconsin 9,191,887
Wyoming 714,362
United States $472,149,363
(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 199,962,269.00 2,719,033.00 202,681,302.00 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, 2015
 
State Percent Rank (1) State Percent Rank (1)
Alabama 67.9% 15 Montana 66.7 19
Alaska 63.9 33 Nebraska 65.9 24
Arizona 61.9 39 Nevada 54.0 47
Arkansas 65.2 30 New Hampshire 70.9 3
California 53.6 48 New Jersey 63.0 37
Colorado 63.7 36 New Mexico 67.5 16
Connecticut 66.2 22 New York 53.1 49
D.C. 39.9 50 North Carolina 63.9 33
Delaware 70.8 5 North Dakota 61.7 41
Florida 63.8 35 Ohio 65.4 27
Georgia 61.8 40 Oklahoma 65.3 28
Hawaii 56.6 46 Oregon 61.1 43
Idaho 69.0 9 Pennsylvania 68.7 11
Illinois 65.3 28 Rhode Island 59.0 45
Indiana 68.2 12 South Carolina 68.1 13
Iowa 70.7 6 South Dakota 68.2 12
Kansas 66.4 20 Tennessee 65.8 26
Kentucky 66.3 21 Texas 61.1 43
Louisiana 64.6 32 Utah 68.9 10
Maine 71.0 2 Vermont 70.7 6
Maryland 65.9 24 Virginia 65.0 31
Massachusetts 61.7 41 Washington 62.4 38
Michigan 70.4 8 West Virginia 72.3 1
Minnesota 70.9 3 Wisconsin 66.8 18
Mississippi 67.4 17 Wyoming 68.0 14
Missouri 66.1 23 United States 63.0%  
(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, 2014 (1)
 
State Number of establishments Employment Annual payroll ($000)
Alabama 77,391 772,214 $28,016,107
Alaska 17,737 142,761 7,152,073
Arizona 107,276 995,671 38,021,927
Arkansas 53,029 481,170 15,689,033
California 764,534 6,806,594 321,741,561
Colorado 134,011 1,059,196 45,944,212
Connecticut 74,015 732,750 36,653,840
Delaware 19,364 176,837 7,798,963
D.C. 16,952 240,441 15,959,020
Florida 439,247 3,182,562 122,745,285
Georgia 177,673 1,551,537 61,084,046
Hawaii 26,570 267,796 9,775,139
Idaho 38,089 293,893 9,683,323
Illinois 265,843 2,441,995 111,694,451
Indiana 115,043 1,183,203 42,938,700
Iowa 67,834 641,288 23,131,787
Kansas 61,540 604,206 22,431,189
Kentucky 72,475 687,294 23,849,263
Louisiana 86,126 910,366 35,893,577
Maine 35,249 283,505 10,072,609
Maryland 112,512 1,116,000 51,699,153
Massachusetts 145,933 1,446,082 75,152,875
Michigan 183,193 1,797,495 72,294,607
Minnesota 124,974 1,230,362 49,680,839
Mississippi 46,726 432,231 13,906,291
Missouri 127,216 1,125,909 40,870,630
Montana 33,009 239,910 8,017,241
Nebraska 44,917 400,506 14,366,706
Nevada 50,019 450,104 17,421,432
New Hampshire 31,137 289,914 12,566,675
New Jersey 198,437 1,764,993 83,444,705
New Mexico 35,766 336,684 11,973,861
New York 475,099 3,968,482 200,728,524
North Carolina 177,951 1,593,376 58,142,955
North Dakota 21,371 209,576 9,063,599
Ohio 199,265 2,134,290 82,282,859
Oklahoma 76,801 709,118 26,602,346
Oregon 94,977 801,666 30,136,457
Pennsylvania 244,116 2,459,725 99,358,511
Rhode Island 24,111 225,671 9,184,596
South Carolina 81,768 758,318 25,638,217
South Dakota 23,133 207,088 6,936,404
Tennessee 102,070 1,051,943 40,964,542
Texas 447,042 4,553,243 198,003,719
Utah 62,631 540,268 20,708,615
Vermont 18,706 156,243 5,927,660
Virginia 156,937 1,485,352 66,096,074
Washington 153,392 1,299,824 56,684,473
West Virginia 29,545 288,211 9,472,054
Wisconsin 116,025 1,230,352 46,174,618
Wyoming 18,198 136,377 5,509,557
United States 6,306,975 57,894,592 $2,439,286,900
(1) Number of establishments with less than 500 employees. Source: U.S. Census, County Business.