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, 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.

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  • Insurance companies, including life/health and property/casualty companies, paid $22.5 billion in premium taxes to the 50 states and the District of Columbia in 2018. On a per capita basis, this works out to $69 for every person living in the United States.
  • Premium taxes accounted for 2.2 percent of all taxes collected by the states and the District of Columbia in 2018.

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.

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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.

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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.

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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 2017 private passenger auto insurance was the largest line of insurance, based on net premiums written, making up 40 percent of all P/C insurance (commercial and personal combined) and 73 percent of personal insurance. Homeowners multiple peril insurance is the second largest line. It accounted for 15 percent of total P/C insurance and 27 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 accounted for 8 percent of all P/C net premiums and 18 percent of all commercial premiums.

Net Premiums Written, Personal And Commercial Lines, 2017

($ 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 2015-2017 (1)

($ millions)

        Percent change from
prior year		  
Lines of insurance 2015 2016 2017 2015 2016 2017 Percent of
total, 2017
Private passenger auto $192,792.2 $207,371.5 $222,234.9 5.1% 7.6% 7.2% 39.8%
     Liability 116,305.8 124,439.7 133,745.2 3.5 7.0 7.5 24.0
     Collision and comprehensive 76,486.4 82,931.8 88,489.7 7.6 8.4 6.7 15.9
Homeowners multiple peril 79,931.3 81,191.5 82,811.3 2.6 1.6 2.0 14.8
Other liability (2) 45,585.8 44,591.9 46,675.2 3.2 -2.2 4.7 8.4
Workers compensation 45,355.1 45,619.8 45,047.4 3.7 0.6 -1.3 8.1
Commercial multiple peril 34,741.7 34,099.7 34,190.7 1.1 -1.8 0.3 6.1
Commercial auto 27,640.1 28,264.4 30,638.4 7.6 2.3 8.4 5.5
     Liability 20,915.0 21,315.2 22,881.2 6.9 1.9 7.3 4.1
     Collision and comprehensive 6,725.1 6,949.2 7,757.3 9.8 3.3 11.6 1.4
Reinsurance (3) 12,411.4 11,600.0 12,259.1 7.6 -6.5 5.7 2.2
Inland marine 11,417.3 11,407.5 11,973.6 3.9 -0.1 5.0 2.1
Fire 11,417.8 11,005.9 10,688.2 -0.7 -3.6 -2.9 1.9
Accident and health (4) 7,819.2 8,325.0 9,992.5 1.1 6.5 20.0 1.8
Allied lines  9,119.7 9,758.6 8,711.2 -1.0 7.0 -10.7 1.6
Medical malpractice 8,201.4 8,194.9 8,062.0 -3.2 -0.1 -1.6 1.4
Surety 5,139.9 5,138.5 5,368.8 2.8 (5) 4.5 1.0
Multiple peril crop 3,680.8 3,321.3 4,742.0 -12.1 -9.8 42.8 0.8
Mortgage guaranty 4,681.9 4,410.8 4,376.8 12.0 -5.8 -0.8 0.8
Farmowners multiple peril 3,762.5 3,802.2 3,925.3 3.7 1.1 3.2 0.7
Product liability 2,796.8 2,422.7 2,689.1 4.6 -13.4 11.0 0.5
Ocean marine 2,831.6 2,549.4 2,370.5 -2.7 -10.0 -7.0 0.4
Boiler and machinery 1,682.1 1,892.2 2,043.2 -15.9 12.5 8.0 0.4
Earthquake 1,649.8 1,535.1 1,511.5 0.5 -6.9 -1.5 0.3
Credit 1,070.0 1,118.6 1,221.0 -10.2 4.5 9.2 0.2
Warranty 1,017.8 930.2 1,090.6 -0.2 -8.6 17.2 0.2
Other lines (6) 1,064.7 914.8 1,080.4 -0.8 -14.1 18.1 0.2
Fidelity 1,161.4 1,093.9 986.4 -0.3 -5.8 -9.8 0.2
Aircraft 929.0 871.9 861.0 -7.6 -6.1 -1.2 0.2
Excess workers compensation 929.4 889.2 796.6 1.0 -4.3 -10.4 0.1
Private crop 584.6 455.4 498.8 0.3 -22.1 9.5 0.1
Private flood NA 277.8 471.0 NA NA 69.5 0.1
Financial guaranty 418.8 364.5 420.8 -14.3 -13.0 15.4 0.1
International 82.0 82.6 265.2 -34.4 0.8 220.9 (5)
Burglary and theft 230.8 255.5 222.9 2.0 10.7 -12.7 (5)
Federal flood (7) 3.0 4.3 12.8 -64.8 43.3 197.8 (5)
Total, all lines (8)   $520,149.8 $533,762.0 $558,239.4 3.4% 2.6% 4.6% 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) Less than 0.1 percent.
(6) Includes miscellaneous coverages.
(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 S&P Global Market Intelligence.

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, 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.

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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.

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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.

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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.

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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.

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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 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.

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  • Insurance companies, including life/health and property/casualty companies, paid $21 billion in premium taxes to the 50 states and the District of Columbia in 2017. On a per capita basis, this works out to $64 for every person living in the United States.
  • Premium taxes accounted for 2.2 percent of all taxes collected by the states and the District of Columbia in 2017.