Insurance Handbook

Premiums by State

Direct Premiums Written By State

Direct premiums written represent premium amounts before reinsurance transactions. This contrasts with charts based on net premiums written, i.e., premium amounts after reinsurance transactions.

Direct Premiums Written, P/C Insurance By State, 2020 (1)

($000)

State Total, all lines State Total, all lines
Alabama $9,913,329 Montana $2,713,983
Alaska 1,660,311 Nebraska 5,427,026
Arizona 12,821,243 Nevada 6,394,831
Arkansas 6,035,484 New Hampshire 2,620,422
California 87,583,331 New Jersey 22,871,863
Colorado 14,810,980 New Mexico 3,787,033
Connecticut 9,225,718 New York 50,150,336
Delaware 2,917,518 North Carolina 18,072,656
D.C. 2,126,551 North Dakota 2,650,913
Florida 59,149,880 Ohio 18,246,442
Georgia 23,999,866 Oklahoma 8,698,278
Hawaii 2,654,746 Oregon 7,861,723
Idaho 3,438,642 Pennsylvania 26,385,557
Illinois 27,424,103 Rhode Island 2,667,866
Indiana 12,431,835 South Carolina 11,126,709
Iowa 7,009,117 South Dakota 2,608,741
Kansas 7,142,366 Tennessee 13,037,379
Kentucky 8,048,595 Texas 63,870,752
Louisiana 12,559,095 Utah 5,714,846
Maine 2,544,483 Vermont 1,339,850
Maryland 12,968,186 Virginia 15,425,620
Massachusetts 16,836,050 Washington 13,969,651
Michigan 20,694,805 West Virginia 2,992,790
Minnesota 12,804,076 Wisconsin 11,347,775
Mississippi 5,763,878 Wyoming 1,326,263
Missouri 13,076,719 United States $716,950,213

 

(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.

 

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  • In 2020 California accounted for the largest amount of direct premiums written, followed by Texas, Florida, New York and Illinois, according to S&P Global Market Intelligence.
  • In 2020 nationally, direct premiums written rose 2.7 percent.

Domestic Insurance Companies By State, Property/Casualty And Life/Annuities, 2019

 

State Property/casualty Life/annuities State Property/casualty Life/annuities
Alabama 19 6 Montana 12 1
Alaska 4 0 Nebraska 39 34
Arizona 41 28 Nevada 12 0
Arkansas 11 20 New Hampshire 50 1
California 97 14 New Jersey 65 3
Colorado 10 11 New Mexico 15 0
Connecticut 65 26 New York 171 82
Delaware 102 24 North Carolina 55 10
D.C. 7 0 North Dakota 10 3
Florida 115 9 Ohio 148 36
Georgia 23 13 Oklahoma 31 22
Hawaii 16 4 Oregon 17 3
Idaho 10 1 Pennsylvania 159 20
Illinois 194 51 Rhode Island 21 1
Indiana 60 25 South Carolina 21 6
Iowa 73 42 South Dakota 15 2
Kansas 24 11 Tennessee 15 15
Kentucky 8 6 Texas 199 120
Louisiana 33 31 Utah 11 15
Maine 12 3 Vermont 11 1
Maryland 27 4 Virginia 20 3
Massachusetts 47 16 Washington 6 7
Michigan 65 21 West Virginia 19 1
Minnesota 38 8 Wisconsin 164 16
Mississippi 16 13 Wyoming 2 0
Missouri 43 29 United States (1) 2,448 818

(1) Excludes territories. Excludes health insurers, risk retention groups, fraternals, title and other insurers.

Source: 2019 Insurance Department Resources Report, published by the National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.

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Direct Premiums Written, P/C Insurance By State, 2020 (1)

($000)

State Total, all lines State Total, all lines
Alabama $9,913,329 Montana $2,713,983
Alaska 1,660,311 Nebraska 5,427,026
Arizona 12,821,243 Nevada 6,394,831
Arkansas 6,035,484 New Hampshire 2,620,422
California 87,583,331 New Jersey 22,871,863
Colorado 14,810,980 New Mexico 3,787,033
Connecticut 9,225,718 New York 50,150,336
Delaware 2,917,518 North Carolina 18,072,656
D.C. 2,126,551 North Dakota 2,650,913
Florida 59,149,880 Ohio 18,246,442
Georgia 23,999,866 Oklahoma 8,698,278
Hawaii 2,654,746 Oregon 7,861,723
Idaho 3,438,642 Pennsylvania 26,385,557
Illinois 27,424,103 Rhode Island 2,667,866
Indiana 12,431,835 South Carolina 11,126,709
Iowa 7,009,117 South Dakota 2,608,741
Kansas 7,142,366 Tennessee 13,037,379
Kentucky 8,048,595 Texas 63,870,752
Louisiana 12,559,095 Utah 5,714,846
Maine 2,544,483 Vermont 1,339,850
Maryland 12,968,186 Virginia 15,425,620
Massachusetts 16,836,050 Washington 13,969,651
Michigan 20,694,805 West Virginia 2,992,790
Minnesota 12,804,076 Wisconsin 11,347,775
Mississippi 5,763,878 Wyoming 1,326,263
Missouri 13,076,719 United States $716,950,213

 

(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.

 

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Direct Premiums Written, P/C Insurance By State, 2020 (1)

($000)

State Total, all lines State Total, all lines
Alabama $9,913,329 Montana $2,713,983
Alaska 1,660,311 Nebraska 5,427,026
Arizona 12,821,243 Nevada 6,394,831
Arkansas 6,035,484 New Hampshire 2,620,422
California 87,583,331 New Jersey 22,871,863
Colorado 14,810,980 New Mexico 3,787,033
Connecticut 9,225,718 New York 50,150,336
Delaware 2,917,518 North Carolina 18,072,656
D.C. 2,126,551 North Dakota 2,650,913
Florida 59,149,880 Ohio 18,246,442
Georgia 23,999,866 Oklahoma 8,698,278
Hawaii 2,654,746 Oregon 7,861,723
Idaho 3,438,642 Pennsylvania 26,385,557
Illinois 27,424,103 Rhode Island 2,667,866
Indiana 12,431,835 South Carolina 11,126,709
Iowa 7,009,117 South Dakota 2,608,741
Kansas 7,142,366 Tennessee 13,037,379
Kentucky 8,048,595 Texas 63,870,752
Louisiana 12,559,095 Utah 5,714,846
Maine 2,544,483 Vermont 1,339,850
Maryland 12,968,186 Virginia 15,425,620
Massachusetts 16,836,050 Washington 13,969,651
Michigan 20,694,805 West Virginia 2,992,790
Minnesota 12,804,076 Wisconsin 11,347,775
Mississippi 5,763,878 Wyoming 1,326,263
Missouri 13,076,719 United States $716,950,213

 

(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.

 

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Premiums

Premiums By Line

Premiums can be accounted for in two major ways: net premiums written, which reflect premium amounts after deductions for reinsurance and direct premiums written, which are calculated before reinsurance transactions.

Personal vs. Commercial

The property/casualty (P/C) insurance industry is divided into two main segments: personal lines and commercial lines. Personal lines include coverage for individuals, mainly auto and homeowners. Commercial lines include the many kinds of insurance products designed for businesses. In 2020 private passenger auto insurance was the largest line of insurance, based on net premiums written, making up 37 percent of all P/C insurance (commercial and personal combined) and 72 percent of personal lines insurance. Homeowners multiple peril insurance is the second largest line, accounting for 15 percent of total P/C insurance and 28 percent of personal lines. Other liability (coverages that protect against legal liability resulting from negligence, carelessness or failure to act) is the largest commercial line and third-largest P/C line. It represented 11 percent of all P/C net premiums and 22 percent of all commercial premiums.

Net Premiums Written, Personal And Commercial Lines, 2019

($ billions)

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

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Net Premiums Written By Line, Property/Casualty Insurance, 2018-2020 (1)

($ millions)

        Percent change from
prior year		  
Lines of insurance 2018 2019 2020 2018 2019 2020 Percent of
total, 2020
Private passenger auto $240,925.2 $247,745.8 $243,716.8 8.4% 2.8% -1.6% 37.2%
     Liability 144,450.2 147,302.5 144,110.6 8.0 2.0 -2.2 22.0
     Collision and comprehensive 96,475.1 100,443.3 99,606.2 9.0 4.1 -0.8 15.2
Homeowners multiple peril 88,938.5 92,977.6 97,021.4 7.4 4.5 4.3 14.8
Other liability (2) 58,590.9 60,771.6 69,433.1 25.5 3.7 14.3 10.6
Workers compensation 48,614.1 47,142.2 42,500.4 7.9 -3.0 -9.8 6.5
Commercial multiple peril 37,558.7 38,947.7 40,994.9 9.9 3.7 5.3 6.3
Commercial auto 35,774.4 39,021.0 39,922.7 16.8 9.1 2.3 6.1
     Liability 26,992.2 29,349.3 30,057.7 18.0 8.7 2.4 4.6
     Collision and comprehensive 8,782.2 9,671.7 9,865.0 13.2 10.1 2.0 1.5
Reinsurance (3) 14,141.9 14,074.3 18,265.0 15.4 -0.5 29.8 2.8
Inland marine 14,588.6 15,614.0 14,905.1 21.8 7.0 -4.5 2.3
Fire 11,622.6 11,941.8 13,196.2 8.7 2.7 10.5 2.0
Allied lines  10,169.9 11,003.4 13,156.8 16.7 8.2 19.6 2.0
Accident and health (4) 8,205.4 9,335.3 9,517.9 -17.9 13.8 2.0 1.5
Medical professional liability                8,403.8           8,724.4                9,014.9 4.2 3.8 3.3 1.4
Surety 6,357.9 6,560.8 6,691.2 17.9 3.2 2.0 1.0
Multiple peril crop 5,380.1 6,478.4 6,128.2 13.5 20.4 -5.4 0.9
Mortgage guaranty 4,693.8 4,863.0 4,765.3 7.2 3.6 -2.0 0.7
Farmowners multiple peril 4,128.9 4,328.5 4,443.2 5.2 4.8 2.7 0.7
Ocean marine 2,885.7 3,182.1 3,441.6 21.7 10.3 8.2 0.5
Product liability 2,794.7 3,019.1 3,239.1 3.9 8.0 7.3 0.5
Boiler and machinery 2,600.8 2,551.1 2,830.0 27.3 -1.9 10.9 0.4
Earthquake 1,827.5 1,985.8 2,386.6 20.9 8.7 20.2 0.4
Credit 1,511.0 1,860.9 1,792.5 23.8 23.2 -3.7 0.3
Aircraft 1,219.3 1,196.1 1,507.3 41.6 -1.9 26.0 0.2
Fidelity 1,215.5 1,274.5 1,338.7 23.2 4.9 5.0 0.2
Warranty 1,247.7 1,155.3 1,238.1 14.4 -7.4 7.2 0.2
Other lines (5) 1,256.3 1,188.1 1,051.0 16.3 -5.4 -11.5 0.2
Excess workers compensation 1,097.7 931.4 886.9 37.8 -15.2 -4.8 0.1
Private crop 693.3 686.6 624.0 39.0 -1.0 -9.1 0.1
Financial guaranty 364.3 391.2 448.5 -13.4 7.4 14.6 0.1
Burglary and theft 280.1 332.9 351.1 25.6 18.9 5.5 0.1
International 487.0 477.9 326.5 83.7 -1.9 -31.7 (6)
Private flood 540.9 287.2 302.4 NA 69.5 5.3 (6)
Federal flood (7) 12.9 13.7 14.0 0.3 6.4 2.3 (6)
Total, all lines (8)   $618,129.6 $640,063.5 $655,451.6 10.7% 3.5% 2.4% 100.0%

(1) After reinsurance transactions, excludes state funds.
(2) Coverages protecting against legal liability resulting from negligence, carelessness or failure to act.
(3) Only includes nonproportional reinsurance, an arrangement in which a reinsurer makes payments to an insurer whose losses exceed a predetermined amount.
(4) Premiums from certain insurers that write health insurance but file financial statements with state regulators on a property/casualty basis.
(5) Includes miscellaneous coverages.
(6) Less than 0.1 percent.
(7) Provided by FEMA through participating private insurers.
(8) May not match total premiums shown elsewhere in this book because of the use of different exhibits from SNL Financial LC.

NA=Data not available.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

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Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2020 (1)

($000)

  Private passenger auto Commercial auto Homeowners
multiple peril		 Farmowners
multiple peril		 Commercial
multiple peril
State Liability Coll./Comp. Liability Coll./Comp.
Alabama $2,061,496 $1,669,061 $511,356 $172,301 $1,933,877 $85,063 $669,818
Alaska 285,225 218,681 57,054 18,976 178,366 748 116,010
Arizona 3,407,747 2,186,941 618,867 164,566 1,899,870 17,902 708,242
Arkansas 1,135,196 1,013,559 314,515 136,320 1,022,006 71,802 375,446
California 17,321,958 12,998,155 3,898,540 1,040,683 9,931,535 214,636 5,463,222
Colorado 3,139,063 2,238,068 586,246 224,001 2,944,066 97,669 965,596
Connecticut 1,919,263 1,100,848 385,371 101,878 1,625,173 7,518 696,428
Delaware 631,888 294,755 122,848 30,653 313,025 7,880 340,469
D.C. 212,194 166,684 37,884 8,253 179,422 0 178,893
Florida 14,758,285 6,008,019 3,069,055 515,999 11,071,440 22,874 2,242,006
Georgia 6,559,357 3,519,900 1,377,789 336,617 3,792,645 146,334 1,237,273
Hawaii 428,265 345,300 86,543 26,238 438,418 0 192,102
Idaho 637,499 511,080 161,240 83,123 457,085 72,753 253,985
Illinois 4,157,626 3,461,924 1,428,972 473,382 4,118,834 205,555 1,885,770
Indiana 2,253,995 1,753,827 630,772 264,581 2,149,226 203,100 937,541
Iowa 892,088 993,907 312,595 192,362 893,963 234,471 450,426
Kansas 995,297 967,224 256,604 153,211 1,300,242 256,631 429,059
Kentucky 2,048,839 1,121,731 379,266 131,270 1,268,875 160,836 583,999
Louisiana 3,068,260 1,680,171 725,261 132,988 2,027,640 14,501 563,314
Maine 398,893 383,488 116,289 58,719 470,674 6,130 267,352
Maryland 3,127,931 2,127,603 575,443 172,286 2,090,072 31,638 717,121
Massachusetts 2,983,493 2,434,997 703,131 263,165 2,675,599 4,251 1,391,714
Michigan 5,800,088 3,498,474 819,474 372,722 3,031,028 150,812 1,207,174
Minnesota 2,085,256 1,773,089 468,285 249,087 2,438,671 164,244 791,595
Mississippi 1,098,224 937,624 349,919 113,606 1,064,597 29,827 361,696
Missouri 2,305,121 1,916,670 559,923 259,165 2,332,066 199,726 883,321
Montana 398,285 416,010 126,561 79,915 409,143 85,856 210,377
Nebraska 694,078 643,438 198,288 143,953 874,734 253,594 326,666
Nevada 2,004,224 807,851 389,589 63,706 710,140 7,924 421,306
New Hampshire 442,183 447,833 118,178 48,391 454,957 3,454 270,820
New Jersey 5,211,331 2,517,824 1,428,714 268,333 2,969,677 3,408 1,635,965
New Mexico 930,780 599,711 195,715 62,441 613,008 27,919 248,140
New York 8,919,826 5,086,434 2,405,655 420,655 5,861,865 48,976 4,290,891
North Carolina 3,472,964 3,242,208 821,920 298,235 3,105,409 66,806 1,078,069
North Dakota 215,767 291,573 98,416 75,577 241,602 135,812 144,268
Ohio 3,741,426 3,117,093 935,486 361,676 3,162,971 182,783 1,428,269
Oklahoma 1,502,875 1,310,781 415,843 171,376 1,832,177 175,680 581,905
Oregon 2,041,571 1,012,498 388,449 124,747 974,625 75,160 566,252
Pennsylvania 4,878,533 4,169,910 1,280,158 518,237 3,649,913 112,817 1,957,338
Rhode Island 633,236 348,216 102,990 30,679 461,863 468 182,414
South Carolina 2,911,745 1,688,367 460,556 139,681 1,961,354 18,678 577,877
South Dakota 254,173 345,714 88,816 74,011 298,054 135,101 153,416
Tennessee 2,460,302 2,062,889 594,290 290,729 2,308,397 162,632 844,199
Texas 12,446,652 10,119,781 3,801,203 1,068,242 10,807,416 377,558 3,293,821
Utah 1,432,154 852,320 295,952 106,403 657,769 17,828 335,964
Vermont 177,110 207,432 52,372 30,263 219,091 15,888 145,600
Virginia 3,252,351 2,558,476 660,724 232,517 2,623,598 79,864 899,349
Washington 3,607,629 1,991,667 675,021 211,473 2,075,827 80,194 985,586
West Virginia 669,544 590,373 135,631 58,608 471,774 17,610 217,021
Wisconsin 1,740,609 1,517,930 480,046 238,628 1,601,466 201,948 784,919
Wyoming 183,654 251,755 69,198 40,384 237,833 33,859 114,852
United States $147,935,544 $101,519,862 $34,773,012 $10,855,010 $110,233,079 $4,728,715 $45,604,855

(1) Includes some state funds.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

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Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2020 (1) (Cont’d)

($000)

State Workers
compensation		 Excess workers
compensation		 Medical
professional liability		 Product
liability		 Other
liability		 Fire Allied lines
Alabama $356,064 $21,396 $131,049 $37,455 $829,315 $240,465 $254,718
Alaska 196,813 3,139 23,555 5,756 159,421 63,598 45,038
Arizona 800,217 14,842 209,821 63,528 1,168,381 172,220 174,481
Arkansas 241,716 7,445 64,176 20,684 574,445 176,444 145,516
California 10,164,930 202,839 834,086 612,447 11,902,230 1,818,996 1,167,859
Colorado 939,202 15,997 156,463 88,432 1,547,233 224,434 270,239
Connecticut 687,745 21,784 221,471 55,395 1,250,845 157,961 166,104
Delaware 202,902 3,617 30,800 11,494 485,923 33,667 32,599
D.C. 164,658 2,806 30,051 6,994 485,377 44,967 56,390
Florida 2,837,668 66,931 744,466 263,313 7,315,043 1,476,512 3,047,844
Georgia 1,633,763 38,513 326,171 107,586 2,157,404 439,660 390,247
Hawaii 252,992 6,451 33,958 12,115 315,672 100,161 107,033
Idaho 435,705 1,867 34,281 16,827 286,284 54,154 43,427
Illinois 2,216,164 56,959 479,442 194,349 4,500,226 494,777 429,973
Indiana 755,992 14,282 137,303 93,416 1,135,720 297,613 218,209
Iowa 622,383 10,997 74,914 40,335 699,405 148,788 161,204
Kansas 376,038 8,630 74,140 38,506 576,269 130,501 190,535
Kentucky 486,777 13,381 116,421 28,477 566,819 157,024 143,797
Louisiana 776,477 46,512 104,030 46,742 1,070,570 380,838 510,127
Maine 234,966 3,719 50,135 9,229 206,132 52,145 49,728
Maryland 873,583 14,401 310,185 54,522 1,338,369 193,053 182,867
Massachusetts 1,221,921 22,562 340,186 125,901 2,547,503 346,353 315,571
Michigan 949,604 26,317 214,967 100,783 1,669,360 362,695 218,488
Minnesota 933,317 1,690 86,786 95,048 1,365,956 251,259 367,996
Mississippi 320,003 10,562 51,281 20,584 374,228 159,244 170,531
Missouri 900,297 34,944 167,158 63,820 1,336,370 263,248 252,675
Montana 262,700 5,608 38,017 10,985 206,817 44,762 47,146
Nebraska 354,101 5,281 37,192 23,114 436,299 91,807 111,858
Nevada 409,259 18,465 79,950 36,591 626,357 113,906 104,053
New Hampshire 201,391 5,852 55,051 11,383 235,987 44,315 38,078
New Jersey 2,188,136 36,744 433,606 195,167 3,104,436 421,392 415,558
New Mexico 248,760 5,929 60,106 11,032 289,480 57,392 56,954
New York 4,749,895 57,115 1,566,135 348,555 9,906,272 1,046,419 828,304
North Carolina 1,299,164 24,291 178,182 103,798 1,651,529 346,601 430,097
North Dakota 4,166 264 11,035 13,676 189,069 44,847 47,768
Ohio 16,344 71,611 244,270 128,835 2,022,281 440,590 332,616
Oklahoma 592,948 11,822 105,922 37,052 704,200 194,497 244,271
Oregon 638,431 8,868 97,334 50,928 733,285 135,695 101,657
Pennsylvania 2,368,806 39,361 718,202 144,295 3,308,081 518,712 413,425
Rhode Island 210,418 2,123 31,382 12,254 280,979 47,735 61,240
South Carolina 779,467 12,273 83,471 55,165 733,620 344,124 260,752
South Dakota 157,518 1,588 17,873 13,532 154,774 43,785 46,099
Tennessee 723,849 17,577 244,613 71,516 1,317,639 319,819 279,651
Texas 2,235,378 32,182 397,649 356,865 6,849,253 2,065,808 2,314,963
Utah 415,478 4,887 56,525 45,378 628,084 98,234 65,237
Vermont 167,833 2,093 17,782 6,860 124,368 36,491 18,231
Virginia 1,013,949 18,890 187,858 65,737 1,735,465 276,518 261,065
Washington 23,075 30,796 186,040 82,935 1,546,153 269,956 189,018
West Virginia 220,740 4,662 47,493 9,720 192,151 70,348 45,810
Wisconsin 1,747,688 10,911 81,622 91,747 1,186,582 221,627 202,946
Wyoming 5,948 210 19,742 4,683 117,436 28,511 28,530
United States $50,617,338 $1,101,985 $10,044,346 $4,145,539 $84,145,098 $15,564,671 $16,058,525

(1) Includes some state funds.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

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Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2020 (1) (Cont’d)

($000)

State Inland marine Ocean marine Surety Fidelity Burglary
and theft		 Boiler and
machinery		 Financial
guaranty
Alabama $363,877 $48,137 $82,944 $13,658 $5,049 $31,620 $6,335
Alaska 81,549 33,588 31,582 2,545 1,019 10,564 1,367
Arizona 406,346 26,234 144,662 14,162 5,435 25,100 1,418
Arkansas 239,029 21,333 42,577 9,000 2,817 20,484 1,251
California 3,354,021 411,528 917,252 144,369 55,139 163,430 39,520
Colorado 476,758 22,983 147,677 26,000 8,919 28,350 9,319
Connecticut 347,614 65,208 66,100 25,948 6,187 21,117 1,556
Delaware 99,815 11,414 29,478 5,149 1,717 5,449 9,580
D.C. 134,853 4,741 152,849 16,183 4,034 6,917 6,726
Florida 1,607,427 457,142 421,409 64,953 28,483 77,680 14,341
Georgia 750,777 81,147 170,596 34,530 12,886 58,896 732
Hawaii 114,754 16,757 43,402 4,681 1,102 6,409 3,795
Idaho 120,551 10,927 27,853 2,853 1,338 11,829 42
Illinois 906,327 135,248 235,721 71,713 24,651 83,496 10,256
Indiana 409,949 31,274 110,500 18,141 8,193 55,959 1,726
Iowa 234,596 10,519 53,293 13,267 4,137 27,701 4,875
Kansas 215,193 9,637 46,873 11,766 3,661 22,251 1,044
Kentucky 281,546 31,944 74,395 9,765 3,774 31,454 1,677
Louisiana 443,893 156,814 111,873 12,082 6,263 35,905 8,673
Maine 90,838 32,084 21,108 4,646 1,286 10,683 110
Maryland 403,524 117,058 155,141 26,027 7,410 29,065 1,833
Massachusetts 565,872 125,974 164,106 49,353 11,135 41,492 7,463
Michigan 598,204 114,571 102,900 34,147 11,791 71,366 2,379
Minnesota 412,808 34,415 92,923 28,407 8,298 44,903 1,505
Mississippi 242,868 19,989 44,505 7,514 2,471 15,818 394
Missouri 430,806 44,275 90,736 23,338 7,900 34,703 11,656
Montana 85,082 4,133 36,562 3,488 1,600 5,825 249
Nebraska 178,000 5,096 47,321 7,218 2,238 16,714 810
Nevada 209,571 8,500 89,500 7,831 3,181 13,688 3,076
New Hampshire 101,897 15,364 17,893 4,649 1,297 7,464 0
New Jersey 781,854 168,747 181,135 43,389 12,773 53,500 10,078
New Mexico 117,501 2,952 56,493 4,459 1,225 9,423 320
New York 1,788,691 390,692 423,205 161,059 36,649 134,091 151,172
North Carolina 742,936 86,030 184,760 38,115 9,891 51,386 2,056
North Dakota 85,979 2,259 22,728 2,945 884 14,499 275
Ohio 699,190 62,273 164,674 40,543 19,599 83,553 2,513
Oklahoma 278,200 20,389 73,464 11,444 3,147 22,926 2,263
Oregon 295,331 38,352 82,070 11,679 4,578 21,424 2,362
Pennsylvania 880,569 79,727 240,160 52,709 18,185 82,066 21,140
Rhode Island 84,124 38,195 29,869 4,910 1,622 5,913 1,273
South Carolina 402,527 40,483 80,223 10,487 4,271 30,119 5,056
South Dakota 71,551 1,487 18,668 3,331 972 8,362 10
Tennessee 501,605 70,435 104,436 20,122 8,552 43,077 473
Texas 2,584,654 324,079 723,752 88,133 48,773 160,551 35,219
Utah 197,684 14,960 78,588 8,683 3,113 14,588 220
Vermont 47,395 3,802 8,160 2,138 643 4,934 0
Virginia 546,067 97,810 213,403 36,855 11,587 39,190 571
Washington 666,389 152,091 171,864 20,708 8,192 37,487 3,920
West Virginia 88,028 3,311 50,140 3,914 1,147 8,377 1,021
Wisconsin 346,853 47,363 64,795 24,387 7,907 51,356 28,023
Wyoming 54,647 1,494 51,456 1,700 432 9,410 0
United States $25,170,117 $3,754,964 $6,797,775 $1,289,093 $447,552 $1,902,562 $421,675

(1) Includes some state funds.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

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Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2020 (1) (Cont'd)

($000)

State Aircraft Earthquake Federal flood Credit Warranty Accident
and health
Alabama $23,858 $8,706 $27,654 $35,973 $11,556 $106,708
Alaska 49,728 37,166 1,472 2,869 465 12,467
Arizona 70,544 18,141 15,949 18,444 31,220 132,355
Arkansas 31,592 40,467 10,160 17,905 8,771 62,493
California 212,172 2,446,565 144,464 158,808 196,961 553,866
Colorado 60,667 15,230 14,348 36,513 19,709 102,699
Connecticut 38,197 9,143 44,195 31,070 11,476 56,872
Delaware 16,944 1,333 15,571 14,071 21,062 107,987
D.C. 3,912 3,349 1,589 7,896 28 142,118
Florida 159,450 30,465 889,383 143,904 662,082 266,811
Georgia 68,365 20,283 43,639 54,487 52,029 168,712
Hawaii 9,495 18,965 36,638 11,508 3,278 9,293
Idaho 19,499 6,192 3,521 2,974 1,687 19,997
Illinois 78,579 84,023 27,602 78,288 230,219 306,452
Indiana 29,819 46,488 16,210 32,720 41,973 268,358
Iowa 15,434 6,034 10,964 12,381 9,224 72,833
Kansas 24,944 9,076 6,586 19,014 175,880 64,188
Kentucky 11,166 59,745 12,978 39,129 9,787 62,836
Louisiana 48,233 5,818 264,693 32,711 8,570 74,871
Maine 5,963 2,155 7,627 7,880 5,292 14,915
Maryland 30,529 17,804 32,775 25,865 18,574 72,957
Massachusetts 31,906 32,883 65,494 42,470 28,765 108,085
Michigan 38,760 9,267 17,765 93,741 581,197 178,457
Minnesota 38,357 7,634 6,936 20,086 25,308 76,967
Mississippi 16,109 23,321 37,990 25,396 5,027 69,985
Missouri 27,667 118,916 16,975 33,685 58,383 168,106
Montana 17,120 8,687 2,769 1,793 120 21,723
Nebraska 18,305 2,411 7,132 6,146 8,158 122,679
Nevada 35,544 38,148 6,305 6,427 3,230 33,709
New Hampshire 8,007 3,001 7,281 12,029 6,967 18,260
New Jersey 23,114 24,914 173,508 91,537 24,392 206,541
New Mexico 11,260 3,178 8,254 7,965 3,751 19,494
New York 71,253 67,312 179,293 210,762 57,203 509,188
North Carolina 45,643 18,080 85,632 37,602 62,409 131,131
North Dakota 11,089 1,055 7,010 1,120 874 11,113
Ohio 81,837 35,318 25,573 65,375 78,229 183,813
Oklahoma 26,957 19,400 8,166 22,084 17,046 68,358
Oregon 39,138 130,712 17,186 12,626 3,849 59,335
Pennsylvania 44,147 27,958 54,860 64,062 68,627 373,955
Rhode Island 13,230 2,621 15,391 8,319 2,460 30,278
South Carolina 19,404 47,992 124,381 28,044 12,056 80,611
South Dakota 9,794 705 2,981 5,972 2,033 16,005
Tennessee 43,328 105,486 20,753 42,467 13,645 147,547
Texas 222,489 47,979 393,780 302,295 439,883 545,316
Utah 29,982 83,048 2,334 15,177 41,506 82,178
Vermont 1,613 1,231 4,648 2,420 8,615 15,312
Virginia 61,199 24,681 63,141 28,873 17,898 139,664
Washington 47,780 274,418 25,180 28,074 66,659 69,515
West Virginia 3,753 1,490 12,664 8,486 4,619 30,391
Wisconsin 25,523 9,148 10,671 24,509 28,406 145,855
Wyoming 8,603 4,818 1,320 1,077 914 19,066
United States $2,082,003 $4,062,958 $3,033,393 $2,035,029 $3,192,069 $6,362,424

(1) Includes some state funds.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

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Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2020 (1) (Cont'd)

($000)

State Multiple peril crop Private crop Mortgage guaranty Miscellaneous Private flood
Alabama $67,849 $979 $65,442 $31,391 $8,158
Alaska 82 0 18,398 1,680 1,392
Arizona 102,466 2,460 176,306 11,517 10,859
Arkansas 153,967 22,937 37,411 10,495 3,523
California 517,393 18,252 505,143 97,725 74,595
Colorado 202,122 16,062 141,136 34,662 11,117
Connecticut 8,238 0 78,076 7,658 9,279
Delaware 8,837 86 23,118 1,362 2,029
D.C. 0 0 24,531 40,061 2,190
Florida 193,021 543 429,944 148,265 115,119
Georgia 161,647 3,372 198,479 41,373 14,657
Hawaii 1,539 0 18,937 2,112 6,833
Idaho 99,263 12,667 42,868 2,707 2,564
Illinois 625,714 118,421 248,359 35,166 19,865
Indiana 336,448 38,329 117,116 12,678 10,377
Iowa 620,089 121,263 52,489 7,491 4,690
Kansas 661,840 55,862 48,970 8,281 4,415
Kentucky 148,135 7,637 44,773 4,386 5,957
Louisiana 90,046 4,194 66,096 21,918 19,012
Maine 9,577 0 19,550 1,101 2,072
Maryland 27,624 123 163,557 21,423 7,823
Massachusetts 4,193 0 123,548 39,947 17,018
Michigan 178,313 9,327 179,133 40,538 10,961
Minnesota 591,918 129,448 164,372 40,807 6,681
Mississippi 127,872 4,182 27,359 25,402 5,746
Missouri 374,225 30,310 97,493 24,528 8,513
Montana 160,447 876 18,469 1,751 1,105
Nebraska 522,739 242,632 35,139 6,133 3,747
Nevada 54,664 333 80,730 2,808 4,263
New Hampshire 444 0 32,199 4,102 1,694
New Jersey 4,510 11 174,580 33,811 33,173
New Mexico 88,584 2,116 31,710 7,715 3,268
New York 59,740 179 189,153 129,480 54,140
North Carolina 220,400 5,311 187,703 29,403 14,896
North Dakota 865,626 91,566 15,822 1,217 1,013
Ohio 236,857 23,058 185,740 55,272 16,777
Oklahoma 160,049 8,902 54,368 14,216 5,552
Oregon 81,975 2,854 87,298 15,102 6,353
Pennsylvania 53,993 741 195,244 29,077 20,549
Rhode Island 26 0 18,630 2,540 2,470
South Carolina 90,005 251 95,080 9,868 18,726
South Dakota 610,247 55,408 13,743 2,041 973
Tennessee 82,743 3,192 103,594 18,577 9,247
Texas 1,042,596 49,557 507,033 125,786 62,031
Utah 27,091 100 83,582 16,942 2,856
Vermont 3,546 0 12,165 777 1,037
Virginia 62,302 1,375 178,649 22,141 13,826
Washington 197,058 12,408 185,401 36,722 10,404
West Virginia 2,001 4 15,543 3,416 3,000
Wisconsin 268,458 16,440 115,148 17,429 6,835
Wyoming 19,918 1,939 10,987 849 1,040
United States $10,228,439 $1,115,706 $5,740,315 $1,301,848 $684,421

(1) Includes some state funds.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

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Premium Taxes by State

All insurance companies pay a state tax based on their premiums. Other payments are made to states for licenses and fees, income and property taxes, sales and use taxes, unemployment compensation taxes and franchise taxes.

Premium Taxes By State, Property/Casualty, Life/Annuity and Health Insurers, 2020 (1)

($000)

State Amount State Amount
Alabama  $427,848 Montana $120,822
Alaska 65,597 Nebraska 67,044
Arizona 575,949 Nevada 452,361
Arkansas 285,337 New Hampshire 134,100
California 2,829,718 New Jersey  686,682
Colorado 337,655 New Mexico 223,338
Connecticut 190,259 New York  1,904,118
Delaware 118,599 North Carolina 675,023
D.C. 122,993 North Dakota 63,095
Florida 1,225,176 Ohio 640,911
Georgia 554,987 Oklahoma 346,277
Hawaii 186,833 Oregon 76,462
Idaho 112,342 Pennsylvania 859,583
Ilinois 392,704 Rhode Island 117,315
Indiana 248,491 South Carolina 253,175
Iowa 143,407 South Dakota 88,120
Kansas 422,817 Tennessee 1,048,375
Kentucky 178,083 Texas 2,741,653
Louisiana 933,593 Utah 150,390
Maine 109,584 Vermont 60,807
Maryland 615,000 Virginia 549,082
Massachusetts 470,119 Washington 691,393
Michigan 456,600 West Virginia 128,500
Minnesota 530,442 Wisconsin 240,503
Mississippi 359,245 Wyoming 29,909
Missouri 446,610 United States $24,689,026

(1) Includes other insurance companies. Data are for each state's fiscal year.

Source: U.S. Department of Commerce, Bureau of the Census.

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  • Insurance companies, including life/annuity, health, property/casualty and other companies, paid $24.7 billion in premium taxes to the 50 states and the District of Columbia in 2020. On a per capita basis, this works out to $75 for every person living in the United States.
  • Premium taxes accounted for 2.3 percent of all taxes collected by the states and the District of Columbia in 2019.