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, 2019 (1)

($000)

State Total, all lines State Total, all lines
Alabama $9,464,522 Montana $2,603,863
Alaska 1,655,434 Nebraska 5,246,317
Arizona 12,412,578 Nevada 6,256,586
Arkansas 5,706,437 New Hampshire 2,594,303
California 85,065,113 New Jersey 22,950,973
Colorado 14,313,384 New Mexico 3,749,310
Connecticut 9,121,825 New York 47,972,124
Delaware 2,906,703 North Carolina 17,429,299
D.C. 2,061,502 North Dakota 2,616,611
Florida 56,603,317 Ohio 17,737,703
Georgia 22,955,335 Oklahoma 8,605,472
Hawaii 2,701,616 Oregon 7,729,747
Idaho 3,231,797 Pennsylvania 26,196,162
Illinois 27,124,319 Rhode Island 2,623,145
Indiana 12,062,056 South Carolina 10,654,885
Iowa 6,798,988 South Dakota 2,555,565
Kansas 6,980,597 Tennessee 12,534,844
Kentucky 8,064,413 Texas 62,219,925
Louisiana 12,446,010 Utah 5,405,116
Maine 2,474,585 Vermont 1,334,464
Maryland 12,795,777 Virginia 15,047,355
Massachusetts 16,414,548 Washington 13,813,314
Michigan 20,874,072 West Virginia 3,165,214
Minnesota 12,462,969 Wisconsin 11,213,719
Mississippi 5,591,836 Wyoming 1,288,005
Missouri 12,677,129 United States (2) $698,510,881

(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 2019 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.
  • Nationally, direct premiums written rose 4.8 percent in 2019.

Domestic Insurance Companies By State, Property/Casualty And Life/Annuity, 2018

 

State Property/casualty Life/annuity State Property/casualty Life/annuity
Alabama 19 7 Montana  13 1
Alaska 4 0 Nebraska  36 34
Arizona 40 25 Nevada  11 0
Arkansas 12 24 New Hampshire 48 1
California 99 14 New Jersey 65 3
Colorado 10 10 New Mexico  19 0
Connecticut 64 26 New York  171 82
Delaware 100 25 North Carolina  53 10
D.C. 7 0 North Dakota  11 3
Florida 116 9 Ohio  145 38
Georgia 23 13 Oklahoma  31 24
Hawaii 16 4 Oregon  17 3
Idaho 10 1 Pennsylvania  163 22
Illinois 195 51 Rhode Island  24 2
Indiana 61 26 South Carolina  20 6
Iowa 74 42 South Dakota  15 2
Kansas 25 11 Tennessee  15 10
Kentucky 8 6 Texas  200 123
Louisiana 34 30 Utah  10 17
Maine 12 3 Vermont  12 1
Maryland 29 4 Virginia  19 3
Massachusetts 48 16 Washington  6 6
Michigan 65 21 West Virginia  19 1
Minnesota 39 8 Wisconsin  167 17
Mississippi 15 14 Wyoming  2 0
Missouri 44 28 United States (1) 2,507 841

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

Source: Insurance Department Resources Report, 2019 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, 2019 (1)

($000)

State Total, all lines State Total, all lines
Alabama $9,464,522 Montana $2,603,863
Alaska 1,655,434 Nebraska 5,246,317
Arizona 12,412,578 Nevada 6,256,586
Arkansas 5,706,437 New Hampshire 2,594,303
California 85,065,113 New Jersey 22,950,973
Colorado 14,313,384 New Mexico 3,749,310
Connecticut 9,121,825 New York 47,972,124
Delaware 2,906,703 North Carolina 17,429,299
D.C. 2,061,502 North Dakota 2,616,611
Florida 56,603,317 Ohio 17,737,703
Georgia 22,955,335 Oklahoma 8,605,472
Hawaii 2,701,616 Oregon 7,729,747
Idaho 3,231,797 Pennsylvania 26,196,162
Illinois 27,124,319 Rhode Island 2,623,145
Indiana 12,062,056 South Carolina 10,654,885
Iowa 6,798,988 South Dakota 2,555,565
Kansas 6,980,597 Tennessee 12,534,844
Kentucky 8,064,413 Texas 62,219,925
Louisiana 12,446,010 Utah 5,405,116
Maine 2,474,585 Vermont 1,334,464
Maryland 12,795,777 Virginia 15,047,355
Massachusetts 16,414,548 Washington 13,813,314
Michigan 20,874,072 West Virginia 3,165,214
Minnesota 12,462,969 Wisconsin 11,213,719
Mississippi 5,591,836 Wyoming 1,288,005
Missouri 12,677,129 United States (2) $698,510,881

(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, 2019 (1)

($000)

State Total, all lines State Total, all lines
Alabama $9,464,522 Montana $2,603,863
Alaska 1,655,434 Nebraska 5,246,317
Arizona 12,412,578 Nevada 6,256,586
Arkansas 5,706,437 New Hampshire 2,594,303
California 85,065,113 New Jersey 22,950,973
Colorado 14,313,384 New Mexico 3,749,310
Connecticut 9,121,825 New York 47,972,124
Delaware 2,906,703 North Carolina 17,429,299
D.C. 2,061,502 North Dakota 2,616,611
Florida 56,603,317 Ohio 17,737,703
Georgia 22,955,335 Oklahoma 8,605,472
Hawaii 2,701,616 Oregon 7,729,747
Idaho 3,231,797 Pennsylvania 26,196,162
Illinois 27,124,319 Rhode Island 2,623,145
Indiana 12,062,056 South Carolina 10,654,885
Iowa 6,798,988 South Dakota 2,555,565
Kansas 6,980,597 Tennessee 12,534,844
Kentucky 8,064,413 Texas 62,219,925
Louisiana 12,446,010 Utah 5,405,116
Maine 2,474,585 Vermont 1,334,464
Maryland 12,795,777 Virginia 15,047,355
Massachusetts 16,414,548 Washington 13,813,314
Michigan 20,874,072 West Virginia 3,165,214
Minnesota 12,462,969 Wisconsin 11,213,719
Mississippi 5,591,836 Wyoming 1,288,005
Missouri 12,677,129 United States (2) $698,510,881

(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 2019 private passenger auto insurance was the largest line of insurance, based on net premiums written, making up 39 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, accounting 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 represented 10 percent of all P/C net premiums and 20 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, 2017-2019 (1)

($ millions)

        Percent change from
prior year		  
Lines of insurance 2017 2018 2019 2017 2018 2019 Percent of
total, 2019
Private passenger auto $222,234.9 $240,925.2 $247,745.8 7.2% 8.4% 2.8% 38.7%
     Liability 133,745.2 144,450.2 147,302.5 7.5 8.0 2.0 23.0
     Collision and comprehensive 88,489.7 96,475.1 100,443.3 6.7 9.0 4.1 15.7
Homeowners multiple peril 82,811.3 88,938.5 92,977.6 2.0 7.4 4.5 14.5
Other liability (2) 46,676.5 58,590.9 60,771.6 4.7 25.5 3.7 9.5
Workers compensation 45,047.4 48,614.1 47,142.2 -1.3 7.9 -3.0 7.4
Commercial auto 30,638.4 35,774.4 39,020.4 8.4 16.8 9.1 6.1
     Liability 22,881.2 26,992.2 29,348.7 7.3 18.0 8.7 4.6
     Collision and comprehensive 7,757.3 8,782.2 9,671.7 11.6 13.2 10.1 1.5
Commercial multiple peril 34,190.7 37,558.7 38,947.8 0.3 9.9 3.7 6.1
Inland marine 11,973.6 14,588.6 15,614.0 5.0 21.8 7.0 2.4
Reinsurance (3) 12,258.9 14,141.9 14,074.3 5.7 15.4 -0.5 2.2
Fire 10,688.2 11,622.6 11,951.4 -2.9 8.7 2.8 1.9
Allied lines  8,711.2 10,169.9 11,003.4 -10.7 16.7 8.2 1.7
Accident and health (4) 9,992.5 8,205.8 9,335.3 20.0 -17.9 13.8 1.5
Medical malpractice                8,062.0           8,403.8                8,724.4 -1.6 4.2 3.8 1.4
Surety 5,390.8 6,357.9 6,560.8 4.9 17.9 3.2 1.0
Multiple peril crop 4,742.0 5,380.1 6,478.4 42.8 13.5 20.4 1.0
Mortgage guaranty 4,376.8 4,693.8 4,863.0 -0.8 7.2 3.6 0.8
Farmowners multiple peril 3,925.3 4,128.9 4,328.5 3.2 5.2 4.8 0.7
Ocean marine 2,370.5 2,885.7 3,182.1 -7.0 21.7 10.3 0.5
Product liability 2,689.1 2,794.7 3,019.1 11.0 3.9 8.0 0.5
Boiler and machinery 2,043.2 2,600.8 2,551.1 8.0 27.3 -1.9 0.4
Earthquake 1,511.5 1,827.5 1,985.8 -1.5 20.9 8.7 0.3
Credit 1,221.0 1,511.0 1,851.4 9.2 23.8 22.5 0.3
Fidelity 986.4 1,215.5 1,274.5 -9.8 23.2 4.9 0.2
Aircraft 861.0 1,219.3 1,196.1 -1.2 41.6 -1.9 0.2
Other lines (5) 1,080.4 1,256.3 1,188.1 18.1 16.3 -5.4 0.2
Warranty 1,090.6 1,247.7 1,155.3 17.2 14.4 -7.4 0.2
Excess workers compensation 796.6 1,097.7 931.4 -10.4 37.8 -15.2 0.1
Private crop 498.8 693.3 686.6 9.5 39.0 -1.0 0.1
International 265.2 487.0 477.9 220.9 83.7 -1.9 0.1
Financial guaranty 420.8 364.3 391.2 15.4 -13.4 7.4 0.1
Burglary and theft 222.9 280.1 332.9 -12.7 25.6 18.9 0.1
Private flood 471.0 540.9 287.2 NA 69.5 -46.9 (6)
Federal flood (7) 12.8 12.9 13.7 197.8 0.3 6.4 (6)
Total, all lines (8)   $558,261.1 $618,130.0 $640,062.9 4.6% 10.7% 3.5% 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, 2019 (1)

($000)

Private passenger auto Commercial auto Homeowners
multiple peril		 Farmowners
multiple peril		 Commercial
multiple peril
State Liability Coll./Comp. Liability Coll./Comp.
Alabama $2,048,850 $1,643,285 $461,234 $163,580 $1,827,367 $80,660 $628,536
Alaska 290,982 217,487 59,799 17,535 170,781 724 108,319
Arizona 3,391,304 2,162,552 569,365 150,272 1,795,395 17,496 681,876
Arkansas 1,125,516 981,344 297,818 135,174 977,094 53,723 353,330
California 17,960,468 13,161,683 4,266,869 1,045,899 9,128,100 215,936 5,248,209
Colorado 3,146,970 2,174,938 555,744 213,116 2,720,363 93,957 899,807
Connecticut 2,007,742 1,139,216 386,006 101,323 1,565,336 7,353 681,116
Delaware 643,968 292,814 123,468 28,110 299,714 7,794 348,408
D.C. 214,924 164,762 61,698 9,583 171,638 - 173,026
Florida 14,559,970 6,108,304 3,058,528 504,107 10,080,578 23,428 2,092,259
Georgia 6,454,183 3,467,824 1,283,631 347,832 3,576,136 133,045 1,125,855
Hawaii 450,984 349,163 102,823 28,578 415,699 0 190,428
Idaho 623,430 484,551 141,620 77,087 424,996 69,118 234,167
Illinois 4,312,455 3,486,047 1,508,814 461,729 3,911,977 195,945 1,824,788
Indiana 2,280,693 1,738,060 593,768 249,592 2,070,585 198,823 891,934
Iowa 911,865 964,407 270,013 194,882 851,528 228,552 425,196
Kansas 1,029,419 974,478 235,791 154,584 1,257,180 253,436 406,047
Kentucky 2,091,646 1,147,298 377,596 131,540 1,252,972 166,326 553,898
Louisiana 3,168,648 1,718,448 696,944 131,231 1,949,039 15,628 512,014
Maine 408,478 377,105 112,170 54,297 450,504 5,810 261,638
Maryland 3,200,082 2,154,944 562,354 163,594 1,962,764 30,698 696,597
Massachusetts 3,093,015 2,477,152 767,961 267,295 2,570,374 3,992 1,315,150
Michigan 6,366,246 3,565,296 827,946 306,654 2,919,756 146,947 1,172,932
Minnesota 2,157,405 1,754,277 453,172 236,429 2,314,333 159,978 764,087
Mississippi 1,097,288 909,781 322,145 110,643 1,024,524 28,714 336,700
Missouri 2,361,843 1,903,805 530,912 246,620 2,237,167 192,602 853,239
Montana 397,723 400,526 118,524 77,446 374,911 81,667 195,566
Nebraska 712,457 635,534 182,558 139,482 829,246 248,903 301,548
Nevada 2,024,599 834,748 427,883 64,315 663,329 8,147 364,166
New Hampshire 458,657 453,795 111,672 44,576 437,373 3,220 261,793
New Jersey 5,544,754 2,593,304 1,467,749 262,382 2,869,233 3,214 1,591,958
New Mexico 953,415 596,769 195,156 64,611 579,481 26,807 239,184
New York 9,067,247 5,162,880 2,426,993 415,344 5,629,375 47,712 4,241,547
North Carolina 3,373,372 3,215,673 842,954 278,144 2,887,386 64,603 1,028,836
North Dakota 220,100 290,670 105,125 80,326 229,667 132,591 135,821
Ohio 3,899,483 3,136,913 881,389 346,272 3,052,963 180,033 1,356,040
Oklahoma 1,516,170 1,298,102 399,737 188,071 1,761,317 169,392 584,084
Oregon 2,111,192 1,021,762 366,666 118,500 919,570 72,643 549,209
Pennsylvania 5,048,101 4,175,011 1,289,976 518,067 3,520,057 111,083 1,906,007
Rhode Island 637,542 343,175 102,041 29,259 440,212 439 176,139
South Carolina 2,869,343 1,656,757 433,740 133,802 1,851,056 16,694 535,156
South Dakota 260,043 335,692 81,243 68,079 278,660 131,685 143,761
Tennessee 2,447,191 2,015,848 547,610 281,547 2,197,924 158,826 800,485
Texas 12,953,302 10,289,932 3,580,760 1,057,354 10,163,809 367,319 3,067,741
Utah 1,409,045 829,983 272,037 100,617 611,549 16,821 309,535
Vermont 186,550 208,911 49,861 28,590 212,610 15,600 145,376
Virginia 3,342,881 2,551,398 655,113 214,865 2,477,917 78,521 863,054
Washington 3,747,958 2,008,431 649,692 205,313 1,962,573 78,001 938,490
West Virginia 697,354 588,463 151,055 59,028 462,844 17,030 216,096
Wisconsin 1,812,293 1,525,774 458,447 221,550 1,544,682 194,328 754,968
Wyoming 186,904 241,263 65,515 47,770 221,978 32,762 106,764
United States $151,276,047 $101,930,336 $34,491,691 $10,576,592 $104,105,619 $4,588,721 $43,592,879

(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, 2019 (1) (Cont’d)

($000)

State Workers
compensation		 Excess workers
compensation		 Medical
professional liability		 Product
liability		 Other
liability		 Fire Allied lines
Alabama $361,666 $23,501 $130,454 $35,401 $709,897 $207,973 $220,246
Alaska 225,834 3,165 24,089 5,414 152,062 64,210 31,679
Arizona 849,588 13,986 210,933 59,079 1,030,841 150,751 154,148
Arkansas 239,079 6,146 64,399 18,130 455,478 162,623 134,678
California 11,437,892 204,194 812,817 605,601 9,809,326 1,486,018 980,843
Colorado 1,053,233 15,722 151,244 91,615 1,358,587 196,497 238,325
Connecticut 737,331 21,714 205,278 53,849 1,091,436 142,534 140,167
Delaware 210,437 1,627 30,183 10,448 415,047 30,405 40,454
D.C. 192,042 2,868 25,689 6,804 431,684 39,021 35,658
Florida 3,115,238 62,956 647,865 244,002 6,456,443 1,316,039 2,670,778
Georgia 1,681,121 35,993 285,068 96,480 1,866,509 386,749 335,823
Hawaii 282,963 7,032 30,096 10,763 321,220 88,025 111,246
Idaho 436,849 1,728 34,036 16,246 245,390 45,015 35,703
Illinois 2,383,918 55,866 453,463 166,786 4,261,597 406,451 358,149
Indiana 799,356 13,590 127,727 88,233 1,028,959 266,270 185,763
Iowa 643,879 9,645 67,944 39,875 624,015 125,936 145,505
Kansas 389,841 9,010 70,063 35,236 479,863 113,087 170,358
Kentucky 560,341 13,370 107,955 29,188 523,452 132,106 119,135
Louisiana 828,581 53,929 102,003 47,248 986,022 373,424 460,712
Maine 231,424 4,134 52,042 8,716 186,352 45,478 41,396
Maryland 931,692 13,536 300,788 55,004 1,227,609 171,057 160,528
Massachusetts 1,278,260 20,220 339,693 127,983 2,142,212 312,703 274,509
Michigan 1,043,564 30,536 197,085 102,795 1,443,135 326,120 196,115
Minnesota 961,783 1,217 83,204 91,738 1,237,028 218,292 324,559
Mississippi 345,370 9,053 45,160 20,062 352,233 134,811 144,669
Missouri 910,547 34,813 155,161 60,905 1,172,734 217,711 216,005
Montana 269,331 5,771 35,640 11,196 189,370 36,206 41,959
Nebraska 363,469 5,752 34,155 21,522 384,803 75,948 99,676
Nevada 425,385 20,583 74,557 76,883 509,506 93,256 85,009
New Hampshire 216,894 5,416 48,726 11,976 231,344 37,736 33,192
New Jersey 2,436,669 34,720 419,455 193,646 2,745,377 391,644 352,036
New Mexico 291,634 6,234 59,328 11,835 268,109 52,439 49,739
New York 3,624,641 59,069 1,585,033 360,336 9,137,784 878,446 699,213
North Carolina 1,396,161 25,510 198,948 94,618 1,446,224 298,245 380,436
North Dakota 4,606 43 11,782 13,437 181,776 40,502 48,984
Ohio 21,458 77,956 236,397 117,309 1,760,126 401,503 285,138
Oklahoma 651,366 11,560 97,720 40,923 655,879 188,001 225,272
Oregon 684,154 8,853 91,186 52,074 649,931 119,444 85,069
Pennsylvania 2,620,627 43,066 719,828 159,835 2,991,507 460,292 345,434
Rhode Island 229,321 1,883 31,588 12,063 261,602 41,354 49,065
South Carolina 806,841 11,005 79,955 55,474 645,203 254,259 218,856
South Dakota 167,172 1,544 15,711 11,093 142,194 37,483 41,332
Tennessee 767,689 18,045 234,885 63,641 1,160,357 284,947 242,852
Texas 2,525,436 33,412 343,135 370,664 6,073,697 1,892,035 2,045,184
Utah 445,478 4,386 56,582 39,338 516,299 91,728 54,265
Vermont 185,438 2,153 17,034 6,387 106,453 32,092 16,603
Virginia 1,088,830 26,291 186,858 54,938 1,524,506 235,954 231,471
Washington 21,396 30,481 191,108 82,988 1,358,412 243,946 162,321
West Virginia 269,008 5,034 96,095 11,999 248,795 65,810 41,347
Wisconsin 1,931,595 10,343 75,186 89,588 1,073,168 196,464 178,072
Wyoming 4,864 297 18,905 5,904 116,793 25,120 25,418
United States $53,581,288 $1,118,957 $9,714,236 $4,097,267 $74,388,346 $13,634,161 $13,965,094

(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, 2019 (1) (Cont’d)

($000)

State Inland marine Ocean marine Surety Fidelity Burglary
and theft		 Boiler and
machinery		 Financial
guaranty
Alabama $365,829 $42,501 $80,638 $13,720 $4,812 $37,817 $1,795
Alaska 89,333 38,270 29,127 2,477 900 10,174 203
Arizona 431,886 21,647 128,388 14,070 4,957 26,078 600
Arkansas 242,280 18,388 41,149 9,292 3,029 18,287 795
California 3,448,527 359,168 900,744 138,448 48,087 141,406 26,503
Colorado 497,293 21,745 147,579 24,755 8,021 24,067 37,288
Connecticut 364,761 62,213 69,530 24,829 6,141 18,400 2,455
Delaware 92,106 10,036 22,144 4,742 1,533 4,569 11,429
D.C. 138,536 4,725 152,852 15,458 4,152 6,152 2,037
Florida 1,633,270 418,876 436,752 64,445 26,264 69,277 4,305
Georgia 760,911 73,722 166,504 32,962 12,087 48,046 968
Hawaii 119,277 19,101 48,218 4,195 1,215 5,498 3,908
Idaho 115,098 10,635 24,517 3,279 1,213 8,397 0
Illinois 960,524 130,008 239,067 68,097 23,431 73,807 3,805
Indiana 414,411 27,731 96,833 18,286 7,209 47,489 1,582
Iowa 235,159 9,466 51,461 14,656 4,403 24,629 3,627
Kansas 218,355 9,155 46,657 11,262 3,394 19,700 1,024
Kentucky 296,704 31,318 81,423 9,733 3,619 29,712 1,650
Louisiana 459,192 146,120 119,609 13,435 6,873 40,049 3,467
Maine 90,278 30,537 22,022 4,497 1,333 8,594 234
Maryland 419,685 110,266 165,197 25,469 7,752 27,048 2,019
Massachusetts 591,207 103,961 161,948 47,361 10,653 38,313 3,523
Michigan 623,112 88,159 102,211 34,120 11,791 63,734 845
Minnesota 424,095 29,722 92,197 25,961 8,035 39,146 1,736
Mississippi 236,559 19,982 45,259 7,554 2,542 15,175 1,211
Missouri 431,827 37,282 102,921 23,672 8,277 30,765 7,378
Montana 88,163 4,065 36,534 3,110 1,326 5,530 7
Nebraska 179,083 5,314 43,257 8,653 2,239 13,918 216
Nevada 217,540 8,091 90,818 7,365 3,006 12,944 1,660
New Hampshire 102,429 13,907 16,760 5,046 1,226 6,499 0
New Jersey 806,781 167,562 193,135 42,647 12,725 48,086 1,784
New Mexico 124,076 2,694 54,290 4,099 1,069 8,414 347
New York 1,801,368 417,732 467,607 157,588 41,751 135,355 134,021
North Carolina 743,420 73,590 194,377 40,362 10,329 44,078 6,217
North Dakota 86,057 1,853 18,631 3,275 798 12,685 541
Ohio 713,269 59,594 154,935 39,672 19,330 70,264 4,492
Oklahoma 289,210 18,791 65,945 11,699 3,326 22,829 29
Oregon 315,019 33,619 85,431 11,014 4,213 18,806 34
Pennsylvania 892,865 76,959 248,850 51,752 17,678 74,279 11,027
Rhode Island 96,117 41,597 29,016 4,719 1,442 5,225 645
South Carolina 404,734 43,582 86,855 10,627 4,183 25,934 535
South Dakota 73,292 1,675 18,203 3,413 880 7,455 40
Tennessee 509,324 70,427 112,219 18,732 7,776 40,388 514
Texas 2,540,192 292,104 742,523 83,083 48,247 139,243 16,594
Utah 210,164 14,224 60,884 8,121 2,958 10,661 801
Vermont 49,736 3,871 8,643 2,250 646 5,259 0
Virginia 573,038 85,904 185,209 36,513 11,110 33,432 498
Washington 732,367 146,977 201,899 20,662 7,172 33,245 2,092
West Virginia 88,808 3,511 49,160 3,932 1,197 7,229 0
Wisconsin 355,696 40,163 60,155 23,283 7,501 44,118 849
Wyoming 54,186 1,463 57,011 1,523 458 7,836 0
United States $25,747,151 $3,504,002 $6,857,295 $1,259,917 $434,307 $1,710,041 $307,330

(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, 2019 (1) (Cont'd)

($000)

State Aircraft Earthquake Federal flood Credit Warranty Accident
and health
Alabama $19,389 $10,014 $28,360 $39,488 $11,464 $105,092
Alaska 44,419 30,264 1,509 1,924 735 13,428
Arizona 54,745 12,342 16,036 19,228 29,460 116,559
Arkansas 25,650 35,813 10,279 14,958 7,880 62,777
California 170,956 1,251,925 144,675 142,819 202,135 605,726
Colorado 58,029 13,839 14,581 27,162 24,857 124,438
Connecticut 32,851 8,207 45,291 31,321 9,824 70,892
Delaware 14,508 1,297 15,633 9,911 23,695 177,585
D.C. 2,516 4,143 1,406 14,225 192 149,724
Florida 135,674 26,340 859,228 132,625 675,638 309,186
Georgia 60,878 18,427 42,174 50,795 50,097 164,740
Hawaii 10,307 13,296 36,942 7,685 3,803 11,457
Idaho 15,287 4,437 3,476 3,275 5,313 21,152
Illinois 71,260 76,216 27,765 79,477 205,125 342,213
Indiana 25,096 40,857 16,149 31,764 40,653 252,903
Iowa 12,990 5,212 10,927 12,224 7,371 83,871
Kansas 22,292 8,029 6,629 14,488 197,308 69,628
Kentucky 9,441 53,831 13,039 42,007 10,637 61,415
Louisiana 41,296 5,572 253,593 38,724 6,497 73,989
Maine 4,827 1,884 8,160 9,513 4,407 16,701
Maryland 25,012 14,121 32,140 29,244 23,033 82,228
Massachusetts 19,297 31,103 66,539 41,208 18,985 103,688
Michigan 32,354 8,618 16,751 63,883 595,657 183,725
Minnesota 34,629 6,293 7,436 19,508 23,858 84,123
Mississippi 14,132 16,687 36,294 25,223 5,226 89,637
Missouri 25,483 101,823 16,912 32,288 53,565 174,796
Montana 12,459 6,922 2,840 1,734 1,088 30,659
Nebraska 14,895 2,267 6,894 5,567 6,603 112,203
Nevada 31,382 26,931 6,510 6,613 7,359 38,955
New Hampshire 8,767 3,262 7,613 11,130 7,132 15,369
New Jersey 20,841 23,199 177,340 87,570 29,832 193,158
New Mexico 7,844 3,507 8,331 8,695 5,261 21,341
New York 62,858 61,995 177,013 213,387 68,892 514,574
North Carolina 36,957 13,738 85,710 42,498 46,616 142,838
North Dakota 9,706 1,046 5,733 1,440 696 14,871
Ohio 63,103 36,051 25,610 58,748 55,116 182,559
Oklahoma 22,346 18,976 8,353 21,315 15,111 71,632
Oregon 31,589 106,635 17,031 10,525 4,474 62,693
Pennsylvania 36,192 19,807 53,803 71,810 81,318 355,337
Rhode Island 12,229 2,356 16,004 7,354 2,581 25,405
South Carolina 15,539 49,122 119,433 23,104 11,075 83,797
South Dakota 8,198 491 2,749 5,613 1,943 16,843
Tennessee 34,225 87,637 20,864 39,171 13,690 147,708
Texas 224,228 42,189 371,207 273,983 445,835 591,709
Utah 25,076 60,615 2,194 13,689 38,509 77,742
Vermont 1,624 1,197 4,634 2,755 8,818 14,559
Virginia 50,062 24,955 62,490 23,353 19,485 149,718
Washington 48,281 239,773 24,854 33,311 72,058 97,358
West Virginia 2,873 1,321 12,525 8,946 4,589 28,019
Wisconsin 21,977 5,189 10,557 22,881 30,932 146,178
Wyoming 5,118 4,215 1,335 1,019 743 20,925
United States $1,791,688 $2,643,986 $2,963,552 $1,931,181 $3,217,171 $6,707,820

(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, 2019 (1) (Cont'd)

($000)

State Multiple peril crop Private crop Mortgage guaranty Miscellaneous Private flood
Alabama $65,646 $1,022 $61,106 $27,003 $6,175
Alaska 101 0 18,302 1,456 734
Arizona 84,730 3,268 180,980 21,075 8,944
Arkansas 137,851 23,214 35,517 11,586 3,161
California 456,465 13,105 489,017 102,285 59,230
Colorado 168,717 18,548 138,317 45,776 8,256
Connecticut 7,952 0 74,129 5,813 6,815
Delaware 9,681 98 21,872 1,445 1,542
D.C. 0 12 24,549 9,982 1,441
Florida 137,046 720 403,016 241,810 88,352
Georgia 144,304 3,874 190,898 46,343 11,357
Hawaii 1,568 0 18,398 2,359 5,371
Idaho 83,864 13,447 44,013 2,715 1,741
Illinois 639,492 108,606 244,625 28,329 14,487
Indiana 342,096 30,372 115,498 13,502 6,273
Iowa 629,637 127,149 51,225 8,589 3,149
Kansas 654,115 61,872 47,246 7,327 3,722
Kentucky 148,780 8,578 42,761 5,871 7,070
Louisiana 82,906 4,651 64,105 27,394 14,665
Maine 10,745 0 18,578 1,221 1,511
Maryland 29,179 106 145,320 20,995 5,707
Massachusetts 4,307 0 126,977 43,429 11,529
Michigan 169,226 7,838 176,874 42,476 7,573
Minnesota 587,430 113,901 162,085 40,725 4,558
Mississippi 134,664 3,459 26,696 26,452 3,930
Missouri 388,768 26,938 93,554 21,033 5,781
Montana 151,040 739 18,328 2,657 829
Nebraska 525,790 239,894 34,501 7,591 2,380
Nevada 37,266 24 80,727 3,379 3,652
New Hampshire 391 0 32,563 4,379 1,457
New Jersey 4,870 40 165,983 42,080 27,177
New Mexico 58,131 2,899 31,803 9,063 2,706
New York 58,916 194 181,676 99,380 42,086
North Carolina 185,947 6,226 183,112 32,003 10,171
North Dakota 848,486 98,227 15,090 1,352 695
Ohio 240,033 18,183 179,138 54,112 10,513
Oklahoma 165,659 12,737 50,714 15,165 4,042
Oregon 64,290 2,989 85,220 19,858 6,053
Pennsylvania 52,775 574 190,985 36,008 15,252
Rhode Island 194 0 18,088 2,673 1,818
South Carolina 90,133 381 91,647 11,382 14,681
South Dakota 638,591 44,039 13,757 2,134 558
Tennessee 86,806 3,250 95,880 16,684 7,702
Texas 928,675 64,444 477,713 123,813 49,027
Utah 18,643 80 83,488 17,531 2,072
Vermont 3,041 2 12,409 780 586
Virginia 61,298 2,133 161,701 23,676 10,152
Washington 197,264 20,583 187,330 58,248 8,729
West Virginia 2,942 12 14,516 3,943 1,733
Wisconsin 229,241 15,533 115,420 13,049 4,538
Wyoming 16,790 1,822 11,621 763 921
United States $9,786,481 $1,105,780 $5,549,065 $1,408,694 $522,605

(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, 2019 (1)

($000)

State Amount State Amount
Alabama  $413,754 Montana $108,445
Alaska 79,833 Nebraska 60,722
Arizona 590,604 Nevada 424,088
Arkansas 241,403 New Hampshire 114,148
California 2,722,787 New Jersey  519,968
Colorado 314,935 New Mexico 209,920
Connecticut 169,524 New York  1,866,069
Delaware 113,411 North Carolina 577,572
D.C. 121,417 North Dakota 68,568
Florida 1,178,214 Ohio 607,111
Georgia 510,850 Oklahoma 336,441
Hawaii 179,690 Oregon 80,618
Idaho 105,731 Pennsylvania 845,210
Ilinois 423,518 Rhode Island 117,152
Indiana 256,432 South Carolina 244,412
Iowa 153,428 South Dakota 90,906
Kansas 405,805 Tennessee 995,376
Kentucky 173,129 Texas 2,599,025
Louisiana 900,921 Utah 155,655
Maine 93,517 Vermont 57,765
Maryland 556,409 Virginia 554,299
Massachusetts 445,445 Washington 640,136
Michigan 435,393 West Virginia 129,111
Minnesota 524,654 Wisconsin 216,754
Mississippi 353,728 Wyoming 26,356
Missouri 445,800 United States $23,556,159

(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 $23.6 billion in premium taxes to the 50 states and the District of Columbia in 2019. On a per capita basis, this works out to $72 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 2019.