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, 2018 (1)

($000)

State Total, all lines State Total, all lines
Alabama $8,925,293 Montana $2,556,685
Alaska 1,606,192 Nebraska 5,011,116
Arizona 11,672,535 Nevada 5,722,920
Arkansas 5,460,429 New Hampshire 2,493,214
California 80,948,048 New Jersey 21,986,266
Colorado 13,330,484 New Mexico 3,524,882
Connecticut 8,814,625 New York 48,303,680
Delaware 2,788,295 North Carolina 16,449,705
D.C. 1,976,400 North Dakota 2,565,272
Florida 53,805,330 Ohio 17,102,142
Georgia 21,523,269 Oklahoma 8,336,375
Hawaii 2,590,554 Oregon 7,385,012
Idaho 2,984,349 Pennsylvania 25,284,026
Illinois 25,990,547 Rhode Island 2,490,665
Indiana 11,622,786 South Carolina 10,163,622
Iowa 6,572,681 South Dakota 2,434,835
Kansas 6,685,306 Tennessee 11,895,823
Kentucky 7,833,758 Texas 58,671,521
Louisiana 11,995,270 Utah 5,050,843
Maine 2,361,248 Vermont 1,287,338
Maryland 12,254,030 Virginia 14,309,735
Massachusetts 15,524,235 Washington 12,820,723
Michigan 19,940,205 West Virginia 3,095,270
Minnesota 11,897,630 Wisconsin 10,848,048
Mississippi 5,390,424 Wyoming 1,214,919
Missouri 12,020,354 United States (2) $667,518,914

(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 2018 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 5.3 percent in 2018.

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, 2018 (1)

($000)

State Total, all lines State Total, all lines
Alabama $8,925,293 Montana $2,556,685
Alaska 1,606,192 Nebraska 5,011,116
Arizona 11,672,535 Nevada 5,722,920
Arkansas 5,460,429 New Hampshire 2,493,214
California 80,948,048 New Jersey 21,986,266
Colorado 13,330,484 New Mexico 3,524,882
Connecticut 8,814,625 New York 48,303,680
Delaware 2,788,295 North Carolina 16,449,705
D.C. 1,976,400 North Dakota 2,565,272
Florida 53,805,330 Ohio 17,102,142
Georgia 21,523,269 Oklahoma 8,336,375
Hawaii 2,590,554 Oregon 7,385,012
Idaho 2,984,349 Pennsylvania 25,284,026
Illinois 25,990,547 Rhode Island 2,490,665
Indiana 11,622,786 South Carolina 10,163,622
Iowa 6,572,681 South Dakota 2,434,835
Kansas 6,685,306 Tennessee 11,895,823
Kentucky 7,833,758 Texas 58,671,521
Louisiana 11,995,270 Utah 5,050,843
Maine 2,361,248 Vermont 1,287,338
Maryland 12,254,030 Virginia 14,309,735
Massachusetts 15,524,235 Washington 12,820,723
Michigan 19,940,205 West Virginia 3,095,270
Minnesota 11,897,630 Wisconsin 10,848,048
Mississippi 5,390,424 Wyoming 1,214,919
Missouri 12,020,354 United States (2) $667,518,914

(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, 2018 (1)

($000)

State Total, all lines State Total, all lines
Alabama $8,925,293 Montana $2,556,685
Alaska 1,606,192 Nebraska 5,011,116
Arizona 11,672,535 Nevada 5,722,920
Arkansas 5,460,429 New Hampshire 2,493,214
California 80,948,048 New Jersey 21,986,266
Colorado 13,330,484 New Mexico 3,524,882
Connecticut 8,814,625 New York 48,303,680
Delaware 2,788,295 North Carolina 16,449,705
D.C. 1,976,400 North Dakota 2,565,272
Florida 53,805,330 Ohio 17,102,142
Georgia 21,523,269 Oklahoma 8,336,375
Hawaii 2,590,554 Oregon 7,385,012
Idaho 2,984,349 Pennsylvania 25,284,026
Illinois 25,990,547 Rhode Island 2,490,665
Indiana 11,622,786 South Carolina 10,163,622
Iowa 6,572,681 South Dakota 2,434,835
Kansas 6,685,306 Tennessee 11,895,823
Kentucky 7,833,758 Texas 58,671,521
Louisiana 11,995,270 Utah 5,050,843
Maine 2,361,248 Vermont 1,287,338
Maryland 12,254,030 Virginia 14,309,735
Massachusetts 15,524,235 Washington 12,820,723
Michigan 19,940,205 West Virginia 3,095,270
Minnesota 11,897,630 Wisconsin 10,848,048
Mississippi 5,390,424 Wyoming 1,214,919
Missouri 12,020,354 United States (2) $667,518,914

(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 2018 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 14 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, 2018

($ 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, 2016-2018 (1)

($ millions)

        Percent change from
prior year		  
Lines of insurance 2016 2017 2018 2016 2017 2018 Percent of
total, 2018
Private passenger auto $207,371.5 $222,234.9 $240,908.2 7.6% 7.2% 8.4% 39.0%
     Liability 124,439.7 133,745.2 144,438.3 7.0 7.5 8.0 23.4
     Collision and comprehensive 82,931.8 88,489.7 96,469.9 8.4 6.7 9.0 15.6
Homeowners multiple peril 81,191.5 82,811.3 88,920.8 1.6 2.0 7.4 14.4
Other liability (2) 44,591.9 46,676.5 58,405.8 -2.2 4.7 25.1 9.5
Workers compensation 45,619.8 45,047.4 48,343.3 0.6 -1.3 7.3 7.8
Commercial multiple peril 34,099.7 34,190.7 37,541.4 -1.8 0.3 9.8 6.1
Commercial auto 28,264.4 30,638.4 35,730.9 2.3 8.4 16.6 5.8
     Liability 21,315.2 22,881.2 26,952.1 1.9 7.3 17.8 4.4
     Collision and comprehensive 6,949.2 7,757.3 8,778.8 3.3 11.6 13.2 1.4
Inland marine 11,407.5 11,973.6 14,588.3 -0.1 5.0 21.8 2.4
Reinsurance (3) 11,600.0 12,259.1 13,966.3 -6.5 5.7 13.9 2.3
Fire 11,005.9 10,688.2 11,622.4 -3.6 -2.9 8.7 1.9
Allied lines  9,758.6 8,711.2 10,169.8 7.0 -10.7 16.7 1.6
Medical profesional liability 8,194.9 8,062.0 8,344.6 -0.1 -1.6 3.5 1.4
Accident and health (4)               8,325.0           9,992.5               8,205.8 6.5 20.0 -17.9 1.3
Surety 5,138.5 5,368.8 6,353.4 (5) 4.5 18.9 1.0
Multiple peril crop 3,321.3 4,742.0 5,380.1 -9.8 42.8 13.5 0.9
Mortgage guaranty 4,410.8 4,376.8 4,693.8 -5.8 -0.8 7.2 0.8
Farmowners multiple peril 3,802.2 3,925.3 4,128.9 1.1 3.2 5.2 0.7
Ocean marine 2,549.4 2,370.5 2,885.7 -10.0 -7.0 21.7 0.5
Product liability 2,422.7 2,689.1 2,790.1 -13.4 11.0 3.8 0.5
Boiler and machinery 1,892.2 2,043.2 2,600.8 12.5 8.0 27.3 0.4
Earthquake 1,535.1 1,511.5 1,827.5 -6.9 -1.5 20.9 0.3
Credit 1,118.6 1,221.0 1,511.0 4.5 9.2 23.8 0.2
Other lines (6) 914.8 1,080.4 1,256.3 -14.1 18.1 16.4 0.2
Warranty 930.2 1,090.6 1,247.7 -8.6 17.2 14.4 0.2
Aircraft 871.9 861.0 1,219.3 -6.1 -1.2 41.6 0.2
Fidelity 1,093.9 986.4 1,215.5 -5.8 -9.8 23.2 0.2
Excess workers compensation 889.2 796.6 722.4 -4.3 -10.4 -9.3 0.1
Private crop 455.4 498.8 693.3 -22.1 9.5 39.0 0.1
Private flood 277.8 471.0 540.9 NA 69.5 14.8 0.1
International 82.6 265.2 487.0 0.8 220.9 83.7 0.1
Financial guaranty 364.5 420.8 364.3 -13.0 15.4 -13.4 0.1
Burglary and theft 255.5 222.9 280.1 10.7 -12.7 25.6 (5)
Federal flood (7) 4.3 12.8 12.9 43.3 197.8 0.3 (5)
Total, all lines (8)   $533,762.0 $558,240.6 $616,958.6 2.6% 4.6% 10.5% 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) 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, 2018 (1)

($000)

  Private passenger auto Commercial auto Homeowners
multiple peril		 Farmowners
multiple peril		 Commercial
multiple peril
State Liability Coll./Comp. Liability Coll./Comp.
Alabama $1,988,252 $1,573,265 $413,458 $155,998 $1,741,767 $79,052 $596,494
Alaska 283,297 202,754 54,936 15,723 171,663 641 103,150
Arizona 3,215,015 2,069,258 497,631 132,906 1,687,244 16,767 633,561
Arkansas 1,115,611 956,719 280,496 122,765 941,727 35,895 337,899
California 17,237,262 12,651,489 3,455,044 940,745 8,365,295 214,106 4,852,169
Colorado 3,015,687 2,020,160 503,607 180,119 2,486,828 88,862 846,384
Connecticut 1,964,892 1,118,120 352,859 92,547 1,526,118 7,089 653,736
Delaware 632,187 281,215 110,068 25,508 283,058 7,577 369,249
D.C. 209,587 161,815 45,127 7,141 166,369 0 166,522
Florida 14,530,297 5,921,229 2,805,041 453,599 9,631,263 24,607 1,917,672
Georgia 6,122,284 3,276,798 1,102,837 305,699 3,346,783 127,062 1,074,036
Hawaii 447,617 333,734 97,611 26,418 399,064 0 183,975
Idaho 593,914 451,351 130,303 68,983 386,963 67,371 218,843
Illinois 4,284,985 3,365,575 1,354,944 394,438 3,719,689 185,254 1,766,273
Indiana 2,246,823 1,688,501 541,114 230,615 1,990,281 197,375 860,941
Iowa 898,797 937,006 247,398 177,599 811,406 221,208 403,913
Kansas 1,010,230 940,087 214,213 141,135 1,205,261 247,170 388,410
Kentucky 2,064,892 1,122,885 347,841 120,959 1,217,016 164,905 532,980
Louisiana 3,128,453 1,694,242 630,686 116,831 1,900,173 14,913 493,020
Maine 403,188 361,426 107,649 50,234 432,543 5,669 246,834
Maryland 3,184,041 2,095,003 509,700 150,192 1,841,929 29,978 670,354
Massachusetts 3,015,665 2,386,015 700,964 244,507 2,460,803 3,845 1,253,542
Michigan 6,045,386 3,468,716 737,024 347,158 2,852,002 147,014 1,105,084
Minnesota 2,130,705 1,665,036 399,226 218,108 2,188,417 155,277 732,913
Mississippi 1,077,978 895,330 303,725 104,148 990,765 27,829 324,200
Missouri 2,302,778 1,826,656 477,446 214,356 2,130,092 186,443 801,329
Montana 389,636 385,391 109,777 72,841 352,551 78,235 187,684
Nebraska 700,163 612,974 166,045 131,394 772,065 244,344 285,339
Nevada 1,923,138 796,629 291,177 50,577 620,692 8,491 337,846
New Hampshire 446,618 434,284 107,554 40,189 420,199 3,180 252,018
New Jersey 5,460,852 2,492,681 1,345,272 241,477 2,714,311 3,018 1,540,216
New Mexico 922,099 565,495 169,440 56,688 547,015 26,343 234,740
New York 8,969,142 5,013,436 2,304,594 387,670 5,426,122 44,909 4,093,072
North Carolina 3,311,348 3,052,880 736,948 250,806 2,710,120 65,073 982,594
North Dakota 215,281 277,610 95,280 75,701 218,605 128,055 130,938
Ohio 3,873,433 3,064,091 800,875 314,662 2,970,685 177,566 1,293,882
Oklahoma 1,499,287 1,269,163 368,471 158,692 1,705,106 160,419 549,783
Oregon 2,091,386 984,384 332,555 107,601 868,227 69,761 515,993
Pennsylvania 5,074,201 4,053,504 1,189,200 476,047 3,424,268 109,663 1,820,201
Rhode Island 638,045 327,612 93,083 25,930 419,521 389 167,335
South Carolina 2,766,722 1,592,107 387,549 122,686 1,772,140 16,031 505,667
South Dakota 254,621 314,798 76,139 60,474 261,228 126,508 137,034
Tennessee 2,381,566 1,947,504 488,959 242,517 2,101,110 154,752 758,796
Texas 12,724,547 9,952,450 3,167,892 968,360 9,447,668 351,009 2,789,672
Utah 1,327,316 791,620 250,005 90,372 568,442 16,024 291,011
Vermont 186,370 201,471 47,451 27,660 206,220 15,491 140,072
Virginia 3,289,184 2,462,983 578,987 193,884 2,332,033 76,424 821,024
Washington 3,617,032 1,890,796 557,856 179,955 1,830,721 77,183 875,180
West Virginia 700,919 572,853 144,799 55,368 457,072 16,352 206,520
Wisconsin 1,797,461 1,452,107 431,537 208,132 1,484,980 188,966 731,802
Wyoming 184,132 229,092 59,465 35,579 210,760 31,782 101,264
United States $147,894,319 $98,202,297 $30,721,859 $9,613,691 $98,716,381 $4,445,880 $41,283,164

(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, 2018 (1) (Cont’d)

($000)

State Workers
compensation		 Excess workers
compensation		 Medical
professional liability		 Product
liability		 Other
liability		 Fire Allied lines
Alabama $332,458 $16,548 $117,722 $30,391 $645,517 $194,029 $196,820
Alaska 239,826 2,748 23,021 4,846 141,796 52,022 32,026
Arizona 855,382 8,492 201,636 45,518 929,366 136,698 127,866
Arkansas 247,500 3,699 64,145 16,789 402,086 150,259 122,119
California 12,216,581 118,489 728,433 526,955 8,809,881 1,225,854 799,183
Colorado 1,091,059 9,879 149,174 78,837 1,237,557 163,707 194,015
Connecticut 766,829 6,100 183,967 48,242 1,031,808 132,539 123,767
Delaware 222,157 451 29,881 9,338 384,216 25,801 28,627
D.C. 189,380 1,414 27,715 6,692 384,933 34,952 28,415
Florida 3,168,666 45,016 603,909 218,925 5,659,784 1,265,663 2,444,425
Georgia 1,647,260 19,952 307,205 92,789 1,682,258 339,117 290,252
Hawaii 275,023 5,451 28,869 11,189 303,030 82,842 100,153
Idaho 431,782 -10,488 30,729 13,280 213,212 34,851 26,325
Illinois 2,460,770 21,659 456,078 160,004 3,904,932 380,746 309,184
Indiana 799,227 9,924 124,575 84,260 946,997 253,972 165,621
Iowa 680,205 5,731 62,974 39,414 597,491 112,943 121,004
Kansas 393,974 4,816 64,092 33,315 435,709 105,105 157,674
Kentucky 579,041 6,773 115,750 25,326 502,860 119,785 101,423
Louisiana 819,755 44,813 93,078 41,724 926,640 353,386 417,606
Maine 229,586 1,391 40,170 7,636 174,527 46,036 39,302
Maryland 939,813 3,912 286,321 45,354 1,111,026 156,224 131,188
Massachusetts 1,272,890 12,717 319,635 96,662 1,910,278 286,707 238,195
Michigan 1,074,486 10,695 188,019 88,176 1,264,817 320,900 170,871
Minnesota 952,550 1,091 78,579 91,115 1,146,175 199,137 296,890
Mississippi 350,308 5,118 47,642 16,903 329,321 123,788 130,263
Missouri 911,298 18,778 140,174 57,385 1,083,575 197,524 186,110
Montana 274,640 2,937 44,541 10,499 177,197 30,938 34,341
Nebraska 370,228 3,466 33,633 19,817 352,861 64,341 85,668
Nevada 406,478 9,684 64,861 -11,600 536,912 85,507 69,988
New Hampshire 234,968 456 45,049 11,913 207,814 36,065 30,006
New Jersey 2,448,095 12,925 396,637 177,895 2,583,491 338,601 299,243
New Mexico 279,475 3,023 57,811 10,022 240,791 39,935 41,719
New York 5,907,811 27,153 1,611,050 308,196 8,250,875 776,735 598,021
North Carolina 1,419,031 8,880 167,625 87,185 1,280,312 285,418 317,320
North Dakota 5,933 2 9,907 13,076 171,643 38,481 41,910
Ohio 20,349 61,888 220,631 108,282 1,663,364 367,460 240,598
Oklahoma 661,314 5,819 96,422 38,813 628,293 159,473 195,977
Oregon 696,439 7,600 84,205 47,367 582,509 97,814 69,705
Pennsylvania 2,773,627 20,092 654,665 146,688 2,702,770 423,077 288,861
Rhode Island 216,820 1,211 27,831 11,280 232,831 40,717 44,483
South Carolina 829,130 7,434 68,952 48,906 587,865 233,726 186,762
South Dakota 178,069 193 15,806 11,195 132,731 31,826 33,646
Tennessee 818,244 10,404 196,205 54,621 1,058,860 257,765 199,245
Texas 2,509,033 17,387 340,622 311,665 5,420,486 1,755,094 1,819,980
Utah 443,499 2,764 56,898 34,783 456,861 90,292 48,132
Vermont 190,719 296 15,068 6,464 102,146 20,206 14,802
Virginia 1,070,994 13,140 184,111 54,586 1,402,318 221,275 193,935
Washington 22,394 14,795 156,752 74,674 1,234,498 196,633 154,454
West Virginia 271,119 4,517 69,779 10,258 256,540 62,126 38,415
Wisconsin 1,930,928 6,615 75,644 81,185 1,001,757 175,282 153,215
Wyoming 2,929 225 21,838 5,819 102,612 21,026 21,770
United States $57,130,073 $618,075 $9,230,039 $3,564,655 $67,528,129 $12,344,402 $12,201,519

(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, 2018 (1) (Cont’d)

($000)

State Inland marine Ocean marine Surety Fidelity Burglary
and theft		 Boiler and
machinery		 Financial
guaranty
Alabama $336,672 $40,435 $70,824 $13,858 $3,948 $25,263 $1,345
Alaska 94,699 36,109 31,691 2,428 800 10,533 197
Arizona 386,076 21,254 111,585 13,147 4,340 25,366 621
Arkansas 237,585 16,655 36,315 8,326 2,511 15,903 1,141
California 3,102,769 316,797 903,010 129,893 41,684 134,744 23,440
Colorado 449,234 15,559 147,427 23,720 6,879 24,193 4,899
Connecticut 357,169 56,263 61,772 24,264 5,418 18,948 3,270
Delaware 72,446 8,198 25,009 4,335 1,339 4,245 17,226
D.C. 135,511 4,225 147,560 13,628 3,778 5,950 105
Florida 1,518,010 352,226 411,569 62,059 22,136 72,459 4,175
Georgia 713,134 64,503 166,045 32,324 10,040 43,123 1,536
Hawaii 109,624 18,459 43,675 4,302 965 5,829 3,967
Idaho 106,050 7,217 23,688 3,112 896 8,266 0
Illinois 897,059 114,844 212,877 66,334 16,092 72,464 21,662
Indiana 392,436 24,282 88,872 18,885 5,492 57,102 1,749
Iowa 244,331 7,789 48,302 13,273 3,148 24,289 3,503
Kansas 209,131 8,011 46,589 10,394 2,689 19,618 809
Kentucky 283,429 24,483 78,963 10,216 2,665 27,345 806
Louisiana 439,339 139,786 125,195 12,817 5,211 32,851 4,524
Maine 82,733 29,060 17,941 4,270 960 7,993 223
Maryland 395,068 102,079 156,757 25,147 6,161 26,114 3,149
Massachusetts 549,781 95,854 145,001 43,784 8,189 39,688 1,620
Michigan 578,307 76,069 106,584 31,860 9,425 61,155 14,861
Minnesota 394,386 28,464 89,721 27,852 7,750 37,262 2,271
Mississippi 213,434 17,614 42,844 7,969 2,166 13,986 1,330
Missouri 411,479 34,737 78,396 23,858 6,170 29,098 5,630
Montana 86,771 2,880 31,475 3,039 861 6,013 0
Nebraska 172,432 4,688 39,301 7,124 1,937 14,115 532
Nevada 196,196 7,252 91,756 6,936 2,397 12,820 1,204
New Hampshire 94,136 13,007 17,463 4,300 1,005 6,729 112
New Jersey 751,035 155,480 170,269 43,969 10,986 46,046 5,001
New Mexico 111,780 2,395 48,508 4,107 901 6,869 435
New York 1,799,806 375,306 458,837 164,689 37,094 118,850 135,022
North Carolina 684,821 65,246 170,161 37,287 7,913 41,583 6,775
North Dakota 81,075 1,564 20,390 2,913 606 13,871 138
Ohio 667,864 54,103 145,998 40,391 14,849 65,002 24,517
Oklahoma 274,449 19,336 67,435 11,514 2,888 19,780 19,705
Oregon 301,942 30,519 77,551 10,370 3,129 18,116 132
Pennsylvania 833,348 69,067 236,385 52,208 14,598 72,600 11,724
Rhode Island 87,277 37,226 25,811 4,260 1,052 5,024 201
South Carolina 393,913 34,991 83,083 9,996 3,165 25,567 777
South Dakota 69,443 1,571 14,732 3,517 612 6,787 0
Tennessee 469,442 56,897 108,839 18,409 6,429 33,208 242
Texas 2,327,680 280,490 644,862 80,277 30,524 126,749 15,902
Utah 184,170 11,655 58,208 7,795 2,071 11,103 349
Vermont 46,866 3,728 7,576 2,313 555 5,521 2
Virginia 509,917 77,819 184,685 34,969 9,715 32,283 502
Washington 700,619 124,382 181,069 19,349 6,046 34,577 2,778
West Virginia 86,833 3,276 46,993 3,712 898 7,035 163
Wisconsin 333,105 38,009 62,733 22,169 6,339 41,708 408
Wyoming 50,806 1,074 55,247 1,630 403 7,915 0
United States $24,025,621 $3,132,934 $6,467,579 $1,229,298 $347,825 $1,623,656 $350,678

(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, 2018 (1) (Cont'd)

($000)

State Aircraft Earthquake Federal flood Credit Warranty Accident
and health
Alabama $17,541 $7,351 $28,316 $35,416 $11,845 $86,830
Alaska 33,189 27,951 1,535 2,545 467 15,431
Arizona 46,394 8,860 15,800 22,248 35,509 116,590
Arkansas 22,543 34,541 10,258 15,712 7,356 59,697
California 160,264 1,872,381 143,540 143,251 183,962 561,226
Colorado 46,217 10,049 13,851 25,626 32,615 110,487
Connecticut 33,009 6,940 45,584 34,028 7,600 62,610
Delaware 12,063 1,373 14,744 9,623 23,722 151,796
D.C. 2,211 3,212 1,350 11,271 25 136,275
Florida 114,101 28,070 819,242 122,909 566,899 284,735
Georgia 58,068 16,351 40,202 49,946 51,976 154,593
Hawaii 8,566 12,237 36,706 7,854 3,882 13,763
Idaho 11,801 3,628 3,382 3,598 6,447 19,398
Illinois 66,045 71,278 28,012 74,018 254,658 319,096
Indiana 20,108 40,769 16,283 36,433 35,573 254,872
Iowa 11,927 4,113 10,137 12,627 7,268 69,733
Kansas 20,871 7,698 6,020 16,903 178,465 63,974
Kentucky 8,158 50,520 12,279 42,260 12,344 50,767
Louisiana 33,176 8,046 221,062 34,930 5,112 70,831
Maine 4,057 1,919 7,760 8,676 3,398 14,556
Maryland 20,549 11,607 30,105 25,162 23,517 88,151
Massachusetts 16,448 25,507 67,342 41,558 14,775 96,419
Michigan 28,320 8,387 15,319 64,778 574,769 162,730
Minnesota 31,243 4,709 5,949 13,607 36,198 77,368
Mississippi 13,205 16,551 33,807 25,492 5,141 86,218
Missouri 24,467 100,269 16,763 33,342 43,422 160,534
Montana 10,170 5,875 2,781 1,998 1,690 38,217
Nebraska 12,872 2,260 6,498 5,795 5,680 126,823
Nevada 24,942 23,831 6,382 5,656 13,317 38,656
New Hampshire 5,888 2,957 7,392 8,416 5,022 19,204
New Jersey 17,560 25,185 177,573 89,640 26,719 182,569
New Mexico 7,129 2,208 8,160 8,411 5,356 23,503
New York 57,047 50,715 171,671 206,492 62,730 568,831
North Carolina 32,691 11,638 91,203 42,439 41,910 135,279
North Dakota 6,089 751 5,239 779 371 10,250
Ohio 54,337 33,002 25,371 66,747 48,717 191,920
Oklahoma 18,822 19,932 8,012 19,588 18,664 61,963
Oregon 27,349 94,567 16,950 12,496 6,605 70,210
Pennsylvania 32,791 17,205 52,727 67,323 79,081 309,505
Rhode Island 10,228 2,522 16,308 7,216 1,964 21,258
South Carolina 13,096 46,369 114,500 24,025 7,159 95,601
South Dakota 6,773 442 2,359 3,595 1,561 17,478
Tennessee 27,703 83,493 19,772 37,097 9,496 142,485
Texas 181,333 33,495 344,689 283,697 414,591 605,779
Utah 22,642 53,082 2,193 12,019 29,863 77,790
Vermont 1,639 1,059 4,469 2,573 5,983 14,978
Virginia 46,104 19,490 60,772 22,546 20,392 142,541
Washington 41,759 198,103 24,955 35,444 69,578 98,698
West Virginia 3,414 1,315 12,343 8,130 3,702 30,244
Wisconsin 19,604 4,317 9,402 21,257 29,179 180,853
Wyoming 5,374 3,825 1,172 1,222 711 25,937
United States $1,551,899 $3,121,953 $2,838,242 $1,908,413 $3,036,985 $6,519,248

(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, 2018 (1) (Cont'd)

($000)

State Multiple peril crop Private crop Mortgage guaranty Miscellaneous Private flood
Alabama $64,994 $1,326 $59,553 $33,287 $4,717
Alaska 68 0 17,984 1,389 726
Arizona 96,739 3,821 164,510 28,720 13,616
Arkansas 125,621 20,651 33,393 11,595 2,919
California 424,577 15,388 464,561 101,477 83,599
Colorado 176,482 14,805 126,115 29,635 6,815
Connecticut 6,520 0 69,337 4,729 8,554
Delaware 9,126 139 20,685 1,022 1,870
D.C. 0 0 25,069 54,144 2,023
Florida 104,807 143 359,914 192,116 79,664
Georgia 151,403 1,838 179,689 40,345 13,823
Hawaii 1,247 0 18,129 2,861 3,511
Idaho 71,574 12,415 41,469 2,303 1,686
Illinois 626,943 103,410 229,662 35,989 15,571
Indiana 330,186 30,191 107,135 12,439 9,754
Iowa 612,517 117,767 48,811 6,794 9,262
Kansas 642,245 54,346 44,570 6,162 5,620
Kentucky 145,697 8,831 41,787 5,210 5,563
Louisiana 80,211 3,478 61,673 21,188 20,519
Maine 10,924 4 17,590 1,167 1,826
Maryland 28,307 64 134,169 16,729 6,161
Massachusetts 3,715 0 122,437 32,656 17,036
Michigan 159,322 7,206 171,551 41,928 7,287
Minnesota 569,464 112,693 166,767 30,634 6,072
Mississippi 125,501 3,552 25,555 23,336 5,402
Missouri 373,730 26,344 87,811 20,306 10,054
Montana 191,333 1,506 17,469 2,291 1,108
Nebraska 513,674 212,026 32,056 7,537 3,426
Nevada 21,792 0 71,042 3,764 4,599
New Hampshire 413 0 31,130 4,149 1,579
New Jersey 4,439 91 151,696 39,721 33,571
New Mexico 57,138 2,390 28,964 10,008 2,026
New York 53,504 64 171,861 105,132 47,243
North Carolina 185,384 6,295 171,392 31,669 10,477
North Dakota 871,803 110,287 13,810 1,106 1,809
Ohio 235,654 20,397 165,766 54,343 15,400
Oklahoma 204,531 6,522 47,349 15,780 3,076
Oregon 50,279 2,829 80,197 19,975 6,248
Pennsylvania 49,357 656 183,605 22,839 22,141
Rhode Island 101 0 17,350 3,464 2,317
South Carolina 75,717 85 85,944 10,256 13,703
South Dakota 601,807 54,273 12,752 2,029 834
Tennessee 86,536 3,140 91,821 18,088 12,180
Texas 1,059,117 50,044 430,307 122,897 63,221
Utah 15,288 67 84,123 7,691 2,712
Vermont 2,459 2 11,514 967 699
Virginia 64,520 3,497 154,318 21,310 9,476
Washington 170,010 17,443 171,639 29,291 12,061
West Virginia 2,035 -2 13,426 3,312 1,805
Wisconsin 214,803 16,034 110,887 11,734 5,896
Wyoming 16,390 1,951 11,544 525 900
United States $9,690,003 $1,048,009 $5,201,889 $1,308,040 $622,160

(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, 2018 (1)

($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
D.C. 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
Ilinois 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

(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 $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.