Triple-I Insurance Facts

U.S. Insurance Industry, All Sectors

Employment and Other Economic Contributions

Insurance Carriers And Related Activities Employment By State, 2022 (1)
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State Number of employees State Number of employees
Alabama 35,570  Montana 7,520 
Alaska 1,953  Nebraska 28,145 
Arizona 73,616  Nevada 20,175 
Arkansas 19,584  New Hampshire 13,479 
California 242,214  New Jersey 87,774 
Colorado 51,275  New Mexico 11,851 
Connecticut 59,402  New York 161,438 
Delaware 7,057  North Carolina 85,927 
D.C. 3,804  North Dakota 7,706 
Florida 232,429  Ohio 128,500 
Georgia 109,348  Oklahoma 24,692 
Hawaii 7,403  Oregon 27,938 
Idaho 13,853  Pennsylvania 139,442 
Illinois 138,230  Rhode Island 11,642 
Indiana 57,497  South Carolina 40,154 
Iowa 52,254  South Dakota 8,505 
Kansas 30,367  Tennessee 60,516 
Kentucky 37,305  Texas 279,717 
Louisiana 29,011  Utah 25,631 
Maine 12,403  Vermont 4,206 
Maryland 37,042  Virginia 64,293 
Massachusetts 74,102  Washington 47,285 
Michigan 73,388  West Virginia 9,731 
Minnesota 66,573  Wisconsin 76,198 
Mississippi 14,100  Wyoming 2,840 
Missouri 64,915  United States 2,920,000 
(1) Total full-time and part-time employment. Note: Does not match data shown elsewhere due to the use of different surveys. Data as of September 2023. Source: U.S. Department of Commerce, Bureau of Economic Analysis, Regional Economic Information System.

Companies by State

Domestic Insurance Companies By State, Property/Casualty And Life/Annuities, 2022
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State Property/casualty Life/annuities State Property/casualty Life/annuities
Alabama 19 8 Montana 14 2
Alaska 4 0 Nebraska 51 32
Arizona 53 30 Nevada 11 0
Arkansas 13 17 New Hampshire 47 0
California 90 16 New Jersey 64 3
Colorado 10 15 New Mexico 20 0
Connecticut 64 26 New York 165 78
Delaware 102 26 North Carolina 55 11
D.C 5 0 North Dakota 14 3
Florida 110 10 Ohio 148 40
Georgia 22 14 Oklahoma 36 23
Hawaii 15 4 Oregon 16 2
Idaho 10 1 Pennsylvania 140 20
Illinois 197 49 Rhode Island 20 1
Indiana 58 24 South Carolina 20 6
Iowa 73 34 South Dakota 16 2
Kansas 21 11 Tennessee 29 16
Kentucky 9 8 Texas 212 124
Louisiana 33 27 Utah 12 16
Maine 11 3 Vermont 11 1
Maryland 19 4 Virginia 19 2
Massachusetts 47 16 Washington 5 5
Michigan 64 20 West Virginia 22 1
Minnesota 39 8 Wisconsin 153 18
Mississippi 17 12 Wyoming 2 0
Missouri 49 28 United States (1) 2,456 817
(1) Excludes territories. Excludes health insurers, risk retention groups, fraternals, title and other insurers. Source: 2022 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.

Premium Taxes by State

Premium Taxes By State, Property/Casualty, Life/Annuity and Health Insurers, 2023 (1)
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($000)
State Amount State Amount
Alabama $563,244 Montana $163,891
Alaska 63,446 Nebraska 87,723
Arizona 811,228 Nevada 546,898
Arkansas 374,949 New Hampshire 154,258
California 3,690,456 New Jersey 723,894
Colorado 533,490 New Mexico 388,600
Connecticut 254,304 New York 2,456,791
Delaware 145,896 North Carolina 1,169,639
D.C. 161,039 North Dakota 80,032
Florida 1,993,432 Ohio 767,006
Georgia 527,642 Oklahoma 333,261
Hawaii 210,527 Oregon 80,039
Idaho 139,362 Pennsylvania 939,974
Illinois 547,184 Rhode Island 154,474
Indiana 268,114 South Carolina 337,845
Iowa 173,028 South Dakota 105,088
Kansas 503,133 Tennessee 1,274,120
Kentucky 212,229 Texas 4,064,627
Louisiana 1,229,146 Utah 202,989
Maine 133,032 Vermont 72,313
Maryland 856,566 Virginia 733,514
Massachusetts 613,510 Washington 847,086
Michigan 471,261 West Virginia 187,006
Minnesota 752,517 Wisconsin 251,916
Mississippi 436,639 Wyoming 33,024
Missouri 516,480 United States $32,337,862
(1) Includes other insurance companies. Data are for each state's fiscal year. Source: U.S. Department of Commerce, Bureau of the Census.

Life/Annuity Financial Data

Premiums by Line

Life/Annuity Insurers Direct Premiums Written And Annuity Considerations By State, 2023 (1)
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($ millions)
State Life insurance Annuities Accident and Health insurance (2) Deposit-type contract funds Other considerations Total
Alabama $2,629 $5,042 $2,534 $271 $434 $10,910
Alaska 636 521 310 30 266 1,763
Arizona 3,225 11,202 4,502 454 1,491 20,874
Arkansas 1,313 2,388 1,243 121 234 5,300
California 21,112 43,231 16,369 2,776 7,959 91,446
Colorado 3,319 6,713 4,801 10,202 1,215 26,250
Connecticut 2,686 7,889 4,408 10,321 1,478 26,782
Delaware 1,756 4,649 958 66,597 698 74,658
D.C. 469 815 1,108 818 266 3,475
Florida 12,604 35,530 17,361 1,518 2,280 69,292
Georgia 5,980 10,125 8,305 2,211 1,449 28,070
Hawaii 954 2,231 813 66 276 4,340
Idaho 794 1,797 714 100 291 3,696
Illinois 7,802 15,889 9,112 8,763 2,659 44,225
Indiana 3,547 8,513 4,585 2,939 791 20,375
Iowa 2,112 4,829 1,609 6,445 3,833 18,828
Kansas 1,592 3,672 4,096 1,290 278 10,927
Kentucky 1,899 4,497 1,994 368 579 9,337
Louisiana 2,696 5,931 2,707 280 735 12,350
Maine 516 1,896 1,162 60 160 3,795
Maryland 3,483 7,554 4,555 844 1,190 17,627
Massachusetts 4,338 10,945 5,563 1,085 4,032 25,963
Michigan 6,480 18,754 4,366 1,259 1,256 32,115
Minnesota 5,324 8,246 2,577 924 1,723 18,794
Mississippi 1,468 2,440 1,919 87 197 6,112
Missouri 3,296 8,517 4,900 1,707 845 19,265
Montana 475 857 513 63 165 2,073
Nebraska 1,253 2,471 1,709 437 454 6,323
Nevada 1,644 3,079 1,802 241 388 7,155
New Hampshire 727 2,930 1,043 107 316 5,123
New Jersey 7,647 19,992 10,338 1,172 1,810 40,960
New Mexico 778 1,476 776 129 251 3,410
New York 13,609 27,806 15,536 102,824 4,527 164,302
North Carolina 5,831 13,585 7,338 701 906 28,362
North Dakota 566 1,433 378 249 214 2,840
Ohio 6,412 18,916 8,305 36,770 1,311 71,714
Oklahoma 1,672 2,841 1,748 242 473 6,976
Oregon 1,492 3,760 2,213 241 1,140 8,846
Pennsylvania 7,487 23,995 10,242 2,145 1,730 45,599
Rhode Island 536 2,111 556 119 103 3,426
South Carolina 2,827 7,047 3,302 265 402 13,842
South Dakota 1,942 1,079 501 154 496 4,171
Tennessee 3,982 8,385 5,197 885 1,399 19,848
Texas 15,448 28,799 20,185 3,339 2,638 70,409
Utah 1,747 3,945 1,839 1,582 1,111 10,223
Vermont 266 1,027 380 76 152 1,901
Virginia 4,856 9,792 6,183 763 943 22,537
Washington 3,420 7,516 3,692 444 1,424 16,496
West Virginia 725 2,102 925 104 136 3,992
Wisconsin 3,208 8,424 4,484 4,643 941 21,699
Wyoming 379 567 435 24 64 1,468
United States $190,960 $437,752 $222,190 $279,254 $60,109 $1,190,265
(1) Direct premiums written before reinsurance transactions. Excludes territories, state funds, dividends and other nonstate specific data. (2) Excludes accident and health premiums reported on property/casualty and health annual statements. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Property/Casualty Financial Data

Premiums by State

Direct Premiums Written, P/C Insurance By State, 2023 (1)
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($000)
State Total, all lines State Total, all lines
Alabama $13,146,853 Montana $3,807,820
Alaska 1,994,750 Nebraska 7,573,101
Arizona 17,959,495 Nevada 8,561,822
Arkansas 7,931,849 New Hampshire 3,342,091
California 111,243,502 New Jersey 29,106,640
Colorado 20,582,327 New Mexico 5,038,116
Connecticut 11,508,412 New York 61,861,773
D.C. 2,699,081 North Carolina 24,036,512
Delaware 3,842,583 North Dakota 3,826,625
Florida 88,067,510 Ohio 23,397,453
Georgia 32,039,933 Oklahoma 11,325,023
Hawaii 3,490,752 Oregon 10,510,197
Idaho 4,757,044 Pennsylvania 32,532,786
Illinois 35,938,656 Rhode Island 3,361,749
Indiana 16,321,562 South Carolina 15,078,257
Iowa 9,843,752 South Dakota 3,970,217
Kansas 9,565,831 Tennessee 17,442,243
Kentucky 10,147,626 Texas 92,331,270
Louisiana 16,226,096 Utah 8,100,467
Maine 3,316,037 Vermont 1,640,326
Maryland 16,186,978 Virginia 20,316,519
Massachusetts 21,453,245 Washington 18,109,893
Michigan 24,427,664 West Virginia 3,643,445
Minnesota 17,081,121 Wisconsin 14,623,479
Mississippi 7,505,441 Wyoming 1,820,520
Missouri 17,261,874 United States $949,898,320
(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.

Incurred Losses by State

Incurred Losses By State, Property/Casualty Insurance, 2023 (1)
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($000)
State Incurred losses State Incurred losses
Alabama $7,932,869 Montana $2,025,856
Alaska 1,025,399 Nebraska 5,372,466
Arizona 10,981,256 Nevada 5,924,381
Arkansas 6,423,348 New Hampshire 1,718,741
California 72,025,659 New Jersey 17,965,451
Colorado 15,238,969 New Mexico 3,454,938
Connecticut 7,005,190 New York 38,805,160
D.C. 1,116,105 North Carolina 13,744,918
Delaware 2,381,057 North Dakota 2,128,868
Florida 47,129,738 Ohio 14,596,857
Georgia 22,801,322 Oklahoma 8,366,866
Hawaii 4,669,909 Oregon 6,029,034
Idaho 2,948,163 Pennsylvania 19,228,027
Illinois 23,963,149 Rhode Island 2,033,900
Indiana 9,851,610 South Carolina 8,824,621
Iowa 6,968,028 South Dakota 2,492,708
Kansas 7,183,002 Tennessee 11,615,138
Kentucky 7,736,442 Texas 60,506,220
Louisiana 8,839,163 Utah 4,488,497
Maine 1,823,550 Vermont 969,148
Maryland 9,560,307 Virginia 10,576,704
Massachusetts 11,387,348 Washington 12,441,549
Michigan 15,492,036 West Virginia 2,082,174
Minnesota 12,537,510 Wisconsin 8,513,219
Mississippi 5,153,294 Wyoming 932,659
Missouri 11,481,010 United States $598,493,532
(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Property/Casualty Insurance By Line

Premiums

Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2023 (1)
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($000)
  Private passenger auto Commercial auto      
State Liability Coll./Comp. Liability Coll./Comp. Homeowners multiple peril Farmowners multi peril Commercial multi peril
Alabama $2,406,160 $2,192,586 $681,835 $241,657 $2,601,843 $99,440 $929,329
Alaska 324,335 272,407 80,343 27,693 220,233 899 118,917
Arizona 4,421,746 3,214,771 912,184 298,423 2,819,499 22,533 938,793
Arkansas 1,337,320 1,330,651 413,817 172,811 1,395,226 103,131 508,266
California 19,079,638 17,414,501 6,038,441 1,384,322 13,728,927 229,736 7,032,588
Colorado 3,659,914 3,252,655 816,734 297,096 4,581,698 124,939 1,318,359
Connecticut 2,181,432 1,419,877 511,804 133,714 2,051,080 9,009 874,562
Delaware 742,518 394,362 167,987 38,951 420,847 9,802 360,810
D.C. 228,804 204,061 51,703 11,565 221,360 0 226,418
Florida 21,148,245 9,289,156 5,077,570 739,336 17,283,009 28,009 3,926,341
Georgia 8,646,569 4,398,085 1,939,266 463,224 5,095,636 172,853 1,661,648
Hawaii 459,195 425,929 106,297 33,069 499,622 0 267,098
Idaho 802,994 707,395 230,075 113,312 696,978 88,579 351,739
Illinois 5,130,942 4,766,775 1,944,149 692,899 5,517,921 251,116 2,440,110
Indiana 2,596,176 2,407,951 853,974 374,686 2,804,177 238,598 1,194,084
Iowa 1,035,521 1,344,156 387,001 266,152 1,267,046 302,693 651,166
Kansas 1,207,393 1,264,403 337,665 190,140 1,665,697 314,268 572,221
Kentucky 2,247,561 1,499,847 494,520 178,119 1,669,247 202,800 739,118
Louisiana 3,242,796 2,237,185 959,137 175,210 2,888,354 17,008 816,553
Maine 478,747 507,400 145,607 76,257 603,665 7,411 351,995
Maryland 3,749,775 2,732,073 757,638 233,282 2,795,170 37,762 887,818
Massachusetts 3,420,126 3,045,333 916,355 346,344 3,478,968 5,401 1,854,828
Michigan 5,340,744 4,780,797 996,040 488,832 3,796,292 169,934 1,550,443
Minnesota 2,369,753 2,559,350 588,746 334,927 3,385,649 195,484 1,079,654
Mississippi 1,292,495 1,200,486 430,578 149,111 1,486,059 45,123 510,268
Missouri 2,845,687 2,639,116 744,290 336,742 3,027,529 241,252 1,175,200
Montana 477,832 561,957 167,180 101,810 601,171 111,461 292,362
Nebraska 834,537 880,375 257,184 175,186 1,225,408 363,155 463,276
Nevada 2,493,304 1,060,333 556,280 90,009 928,923 9,162 518,418
New Hampshire 521,674 577,949 146,432 62,355 583,913 3,830 350,476
New Jersey 6,260,513 3,322,772 2,086,883 352,840 3,704,874 4,436 2,061,707
New Mexico 1,082,577 823,238 287,743 83,525 833,118 32,897 331,102
New York 10,773,482 6,384,039 3,284,658 537,354 7,595,348 58,792 5,380,070
North Carolina 4,059,964 4,427,188 1,177,152 432,760 4,271,535 77,358 1,480,381
North Dakota 248,507 366,573 117,137 97,866 311,198 163,736 205,986
Ohio 4,209,036 4,117,370 1,232,384 502,066 4,101,101 217,598 1,788,555
Oklahoma 1,808,805 1,761,994 530,239 224,312 2,399,783 223,117 795,450
Oregon 2,407,477 1,479,046 495,327 161,689 1,404,023 101,599 742,441
Pennsylvania 5,300,619 5,549,252 1,541,771 631,263 4,669,184 131,429 2,453,166
Rhode Island 707,755 419,736 131,020 41,395 611,663 558 255,128
South Carolina 3,788,510 2,188,104 682,995 198,262 2,766,131 23,916 858,520
South Dakota 308,408 486,996 113,366 101,184 438,958 184,038 233,916
Tennessee 3,023,175 2,922,142 796,220 367,777 3,117,084 197,207 1,174,982
Texas 17,476,787 14,499,749 5,785,010 1,462,020 16,100,322 512,646 4,915,550
Utah 1,938,902 1,175,440 434,751 146,392 1,032,286 22,775 461,228
Vermont 191,985 261,951 64,166 36,873 271,461 18,544 182,553
Virginia 4,299,130 3,444,767 859,609 312,893 3,567,528 100,519 1,191,989
Washington 3,901,003 2,596,961 872,802 282,483 2,814,177 102,395 1,272,844
West Virginia 716,407 757,911 162,002 67,914 563,018 20,747 271,511
Wisconsin 1,977,453 2,155,521 613,999 396,211 2,091,920 244,218 1,027,496
Wyoming 210,907 333,706 83,307 56,360 341,964 40,323 151,221
United States $179,415,337 $138,056,376 $49,063,373 $14,720,676 $152,347,825 $5,884,236 $61,198,658
(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2023 (1) (Cont’d)
View Full Table
($000)
State Workers compensation Excess workers compensation Medical professional liability Product liability Other liability Fire Allied lines
Alabama $438,656 $20,962 $175,346 $53,021 $1,178,279 $438,507 $438,801
Alaska 187,271 3,693 26,267 7,724 222,415 86,830 43,573
Arizona 893,314 15,565 256,572 87,376 1,851,390 329,663 287,491
Arkansas 274,357 9,284 89,390 28,177 753,706 280,922 230,490
California 11,885,413 237,993 1,032,709 696,010 15,157,511 3,317,362 1,811,213
Colorado 1,049,338 19,382 186,129 101,146 2,345,998 423,694 454,860
Connecticut 746,591 21,812 246,657 70,789 1,658,038 243,495 227,214
Delaware 181,549 1,877 47,381 20,006 811,486 62,092 47,619
D.C. 162,797 6,591 27,972 9,486 730,612 86,454 60,277
Florida 3,429,233 72,840 943,001 360,260 7,798,594 2,854,032 6,838,841
Georgia 1,835,843 44,518 437,715 152,759 3,179,248 736,554 601,362
Hawaii 347,442 10,145 40,665 12,970 466,115 199,101 214,941
Idaho 526,362 2,297 45,131 24,632 414,544 100,835 78,509
Illinois 2,526,954 58,675 583,058 246,746 5,705,586 923,400 620,400
Indiana 855,843 15,461 176,753 130,403 1,540,758 511,716 336,636
Iowa 696,186 7,270 83,859 59,561 986,221 294,103 253,421
Kansas 436,080 9,635 101,472 46,566 741,827 207,451 279,636
Kentucky 579,556 12,390 144,047 40,439 781,891 250,696 197,919
Louisiana 885,543 53,045 117,169 62,727 1,474,605 676,549 804,453
Maine 290,366 3,770 59,590 15,357 286,370 86,793 68,393
Maryland 933,183 12,345 328,513 55,881 1,675,669 299,394 250,176
Massachusetts 1,399,938 27,885 383,139 147,407 3,336,071 597,952 498,628
Michigan 1,083,434 27,619 254,222 137,479 2,153,764 532,674 332,891
Minnesota 1,033,809 1,602 105,847 127,805 1,851,553 450,788 536,024
Mississippi 354,101 12,240 65,923 26,283 518,251 258,733 276,953
Missouri 1,083,313 36,947 225,554 80,618 1,785,540 441,266 416,558
Montana 309,893 5,332 42,127 17,321 328,613 74,556 69,647
Nebraska 401,126 5,290 65,556 32,711 557,799 185,691 164,062
Nevada 482,930 21,778 106,628 45,506 989,518 202,723 145,290
New Hampshire 232,728 7,174 54,289 17,564 335,289 65,106 52,516
New Jersey 2,644,095 42,343 548,061 237,883 4,038,270 661,189 549,148
New Mexico 303,499 6,172 83,876 18,303 413,367 91,568 82,136
New York 3,500,795 60,760 1,761,759 315,870 13,299,026 1,611,912 1,304,530
North Carolina 1,521,494 28,728 205,544 145,524 2,359,755 561,377 612,309
North Dakota 6,271 8 10,984 19,689 276,774 73,464 65,741
Ohio 21,990 78,435 273,445 160,706 2,700,586 684,819 480,225
Oklahoma 648,410 13,023 119,652 47,568 915,095 321,719 363,030
Oregon 804,368 9,902 120,177 74,116 1,040,587 248,934 152,437
Pennsylvania 2,555,792 39,274 840,749 165,170 4,444,598 779,234 589,647
Rhode Island 234,296 2,452 36,311 13,732 398,338 74,338 81,146
South Carolina 879,416 11,843 97,300 78,226 1,073,048 602,812 403,066
South Dakota 194,709 2,036 20,060 19,311 215,463 86,918 74,130
Tennessee 837,514 18,323 272,692 98,338 1,817,082 528,977 423,620
Texas 2,688,752 28,222 551,510 472,536 10,288,004 3,752,100 3,364,045
Utah 519,543 4,762 87,835 68,127 957,998 171,138 109,482
Vermont 185,838 2,165 20,117 8,967 175,918 39,789 26,687
Virginia 1,000,235 25,219 242,526 73,348 2,364,895 416,288 354,164
Washington 28,403 34,803 241,202 108,105 2,245,969 483,499 309,152
West Virginia 260,478 6,060 75,435 11,030 288,758 91,782 61,667
Wisconsin 1,964,514 10,617 96,082 124,233 1,593,357 400,527 303,086
Wyoming 6,558 -203 24,142 7,458 198,726 42,886 41,246
United States $56,350,118 $1,210,364 $12,182,140 $5,182,970 $112,722,879 $26,944,401 $26,389,488
(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2023 (1) (Cont’d)
View Full Table
($000)
State Inland marine Ocean marine Surety Fidelity Burglary and theft Boiler and machinery Financial guaranty
Alabama $2,406,160 $2,192,586 $681,835 $241,657 $2,601,843 $99,440 $929,329
Alaska 324,335 272,407 80,343 27,693 220,233 899 118,917
Arizona 4,421,746 3,214,771 912,184 298,423 2,819,499 22,533 938,793
Arkansas 1,337,320 1,330,651 413,817 172,811 1,395,226 103,131 508,266
California 19,079,638 17,414,501 6,038,441 1,384,322 13,728,927 229,736 7,032,588
Colorado 3,659,914 3,252,655 816,734 297,096 4,581,698 124,939 1,318,359
Connecticut 2,181,432 1,419,877 511,804 133,714 2,051,080 9,009 874,562
Delaware 742,518 394,362 167,987 38,951 420,847 9,802 360,810
D.C. 228,804 204,061 51,703 11,565 221,360 0 226,418
Florida 21,148,245 9,289,156 5,077,570 739,336 17,283,009 28,009 3,926,341
Georgia 8,646,569 4,398,085 1,939,266 463,224 5,095,636 172,853 1,661,648
Hawaii 459,195 425,929 106,297 33,069 499,622 0 267,098
Idaho 802,994 707,395 230,075 113,312 696,978 88,579 351,739
Illinois 5,130,942 4,766,775 1,944,149 692,899 5,517,921 251,116 2,440,110
Indiana 2,596,176 2,407,951 853,974 374,686 2,804,177 238,598 1,194,084
Iowa 1,035,521 1,344,156 387,001 266,152 1,267,046 302,693 651,166
Kansas 1,207,393 1,264,403 337,665 190,140 1,665,697 314,268 572,221
Kentucky 2,247,561 1,499,847 494,520 178,119 1,669,247 202,800 739,118
Louisiana 3,242,796 2,237,185 959,137 175,210 2,888,354 17,008 816,553
Maine 478,747 507,400 145,607 76,257 603,665 7,411 351,995
Maryland 3,749,775 2,732,073 757,638 233,282 2,795,170 37,762 887,818
Massachusetts 3,420,126 3,045,333 916,355 346,344 3,478,968 5,401 1,854,828
Michigan 5,340,744 4,780,797 996,040 488,832 3,796,292 169,934 1,550,443
Minnesota 2,369,753 2,559,350 588,746 334,927 3,385,649 195,484 1,079,654
Mississippi 1,292,495 1,200,486 430,578 149,111 1,486,059 45,123 510,268
Missouri 2,845,687 2,639,116 744,290 336,742 3,027,529 241,252 1,175,200
Montana 477,832 561,957 167,180 101,810 601,171 111,461 292,362
Nebraska 834,537 880,375 257,184 175,186 1,225,408 363,155 463,276
Nevada 2,493,304 1,060,333 556,280 90,009 928,923 9,162 518,418
New Hampshire 521,674 577,949 146,432 62,355 583,913 3,830 350,476
New Jersey 6,260,513 3,322,772 2,086,883 352,840 3,704,874 4,436 2,061,707
New Mexico 1,082,577 823,238 287,743 83,525 833,118 32,897 331,102
New York 10,773,482 6,384,039 3,284,658 537,354 7,595,348 58,792 5,380,070
North Carolina 4,059,964 4,427,188 1,177,152 432,760 4,271,535 77,358 1,480,381
North Dakota 248,507 366,573 117,137 97,866 311,198 163,736 205,986
Ohio 4,209,036 4,117,370 1,232,384 502,066 4,101,101 217,598 1,788,555
Oklahoma 1,808,805 1,761,994 530,239 224,312 2,399,783 223,117 795,450
Oregon 2,407,477 1,479,046 495,327 161,689 1,404,023 101,599 742,441
Pennsylvania 5,300,619 5,549,252 1,541,771 631,263 4,669,184 131,429 2,453,166
Rhode Island 707,755 419,736 131,020 41,395 611,663 558 255,128
South Carolina 3,788,510 2,188,104 682,995 198,262 2,766,131 23,916 858,520
South Dakota 308,408 486,996 113,366 101,184 438,958 184,038 233,916
Tennessee 3,023,175 2,922,142 796,220 367,777 3,117,084 197,207 1,174,982
Texas 17,476,787 14,499,749 5,785,010 1,462,020 16,100,322 512,646 4,915,550
Utah 1,938,902 1,175,440 434,751 146,392 1,032,286 22,775 461,228
Vermont 191,985 261,951 64,166 36,873 271,461 18,544 182,553
Virginia 4,299,130 3,444,767 859,609 312,893 3,567,528 100,519 1,191,989
Washington 3,901,003 2,596,961 872,802 282,483 2,814,177 102,395 1,272,844
West Virginia 716,407 757,911 162,002 67,914 563,018 20,747 271,511
Wisconsin 1,977,453 2,155,521 613,999 396,211 2,091,920 244,218 1,027,496
Wyoming 210,907 333,706 83,307 56,360 341,964 40,323 151,221
United States $179,415,337 $138,056,376 $49,063,373 $14,720,676 $152,347,825 $5,884,236 $61,198,658
(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2023 (1) (Cont'd)
View Full Table
($000)
State Aircraft Earthquake Federal flood Credit Warranty Accident and health
Alabama $29,569 $13,743 $29,061 $47,356 $13,912 $117,898
Alaska 70,334 56,092 705 5,198 2,542 12,923
Arizona 88,068 26,439 13,825 26,676 29,244 125,320
Arkansas 39,145 58,443 8,298 21,713 11,028 56,933
California 286,026 2,501,084 133,746 201,493 183,438 794,280
Colorado 101,426 20,768 11,708 53,525 41,802 122,941
Connecticut 40,808 12,487 36,821 38,206 14,428 82,892
Delaware 22,221 2,278 14,825 22,927 21,761 112,455
D.C. 8,163 5,877 1,042 37,102 23 90,093
Florida 239,123 65,188 1,141,073 212,289 839,565 381,670
Georgia 103,623 31,175 42,981 77,144 7,743 228,803
Hawaii 13,676 31,302 35,098 9,546 2,517 13,258
Idaho 24,118 10,584 3,919 11,033 6,057 19,273
Illinois 101,896 127,419 20,794 92,930 249,681 427,629
Indiana 42,468 59,398 11,939 45,153 55,225 426,963
Iowa 23,395 9,197 9,071 21,942 4,886 82,207
Kansas 36,007 10,524 5,262 27,338 214,365 79,574
Kentucky 14,992 59,182 12,540 43,518 7,262 88,904
Louisiana 50,202 9,833 274,487 36,813 7,050 92,889
Maine 8,265 3,115 6,764 8,051 6,593 19,265
Maryland 35,730 19,515 23,787 26,024 16,227 84,267
Massachusetts 32,481 55,060 54,526 60,758 56,591 127,868
Michigan 53,302 14,714 12,606 63,504 595,583 192,329
Minnesota 53,335 8,569 5,192 26,853 22,712 87,525
Mississippi 21,046 30,270 40,094 25,133 5,400 67,720
Missouri 32,609 146,238 15,610 45,953 94,268 179,463
Montana 24,941 10,752 2,769 1,806 970 23,334
Nebraska 26,313 3,550 5,100 7,632 4,205 94,056
Nevada 56,047 71,299 5,994 8,669 3,175 39,371
New Hampshire 14,124 5,186 6,592 13,581 5,171 27,970
New Jersey 30,200 39,517 163,945 98,336 41,268 205,661
New Mexico 14,376 5,722 6,863 12,894 3,765 35,982
New York 94,704 131,319 152,791 280,821 82,570 548,417
North Carolina 68,236 25,633 82,267 63,432 46,145 179,507
North Dakota 15,185 971 4,223 2,530 694 12,535
Ohio 115,440 47,450 18,811 71,364 153,098 274,753
Oklahoma 32,802 19,433 6,422 28,785 10,920 67,562
Oregon 44,433 189,290 15,238 14,726 7,315 79,786
Pennsylvania 63,583 37,478 46,420 75,700 57,602 359,125
Rhode Island 12,507 4,546 10,330 6,667 3,732 17,727
South Carolina 25,409 69,430 107,032 31,652 11,939 93,271
South Dakota 12,780 1,136 2,163 12,835 2,253 16,064
Tennessee 63,644 134,143 20,302 58,010 22,097 171,081
Texas 319,915 77,228 413,632 493,271 155,370 616,635
Utah 48,806 138,366 4,022 18,719 79,690 55,560
Vermont 3,686 1,917 4,129 3,463 804 19,938
Virginia 87,320 32,330 49,792 70,207 30,022 134,003
Washington 58,041 420,752 22,136 35,714 148,106 91,288
West Virginia 5,332 3,009 10,890 7,455 4,792 35,195
Wisconsin 36,611 13,447 7,638 30,289 43,201 156,060
Wyoming 11,409 7,676 1,281 5,313 1,367 21,601
United States $2,857,871 $4,880,071 $3,136,556 $2,742,050 $3,430,173 $7,491,827
(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.
Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2023 (1) (Cont'd)
View Full Table
($000)
State Multiple peril crop Private crop Mortgage guaranty Miscellaneous Private flood
Alabama $110,131 $1,014 $32,836 $65,559 $15,777
Alaska 94 0 1,858 17,819 2,753
Arizona 147,887 2,974 20,776 156,191 19,241
Arkansas 257,204 41,819 14,374 36,895 6,778
California 783,616 25,584 117,425 517,905 136,120
Colorado 327,549 24,177 49,246 143,726 20,136
Connecticut 8,894 9 9,073 72,792 19,129
Delaware 14,738 112 2,025 21,768 4,771
D.C. 0 0 56,828 18,869 4,967
Florida 232,517 550 174,168 446,412 258,530
Georgia 283,462 4,434 59,387 206,364 27,009
Hawaii 2,603 0 2,531 19,005 14,805
Idaho 164,419 16,651 3,703 38,393 4,295
Illinois 1,057,083 167,058 53,151 247,549 38,704
Indiana 577,653 46,875 22,210 119,118 19,445
Iowa 1,351,517 154,467 9,757 52,000 6,570
Kansas 1,259,313 72,195 12,230 45,963 5,766
Kentucky 234,720 8,014 6,916 49,349 11,361
Louisiana 188,088 8,450 27,737 60,866 34,071
Maine 14,981 0 2,476 19,027 3,006
Maryland 45,426 165 24,970 157,220 14,736
Massachusetts 6,029 4 49,299 116,367 34,919
Michigan 289,908 8,431 61,359 191,635 18,742
Minnesota 1,049,398 155,676 47,757 149,836 9,733
Mississippi 189,095 7,578 31,924 26,513 11,223
Missouri 591,229 44,623 69,904 96,580 14,104
Montana 343,236 498 2,880 15,485 3,501
Nebraska 984,726 409,457 10,503 34,143 4,723
Nevada 155,110 1,370 7,063 78,405 8,219
New Hampshire 604 4 4,880 28,870 3,795
New Jersey 7,914 0 54,252 164,233 76,600
New Mexico 181,573 2,468 7,681 30,334 4,079
New York 103,965 213 161,087 199,802 110,714
North Carolina 371,513 3,885 31,044 182,177 30,790
North Dakota 1,505,435 116,693 1,091 16,123 1,777
Ohio 413,294 21,492 53,394 181,350 26,342
Oklahoma 367,040 7,068 14,086 50,965 9,360
Oregon 181,662 3,117 8,302 85,623 12,873
Pennsylvania 79,380 1,381 39,688 194,997 44,932
Rhode Island 202 0 45,655 17,464 5,796
South Carolina 139,007 350 12,405 91,332 32,551
South Dakota 1,195,972 75,288 2,259 13,773 1,290
Tennessee 132,996 3,243 18,084 104,893 18,217
Texas 1,980,925 58,736 136,805 534,508 148,309
Utah 50,003 287 13,260 76,752 7,329
Vermont 5,068 2 719 11,099 1,814
Virginia 107,087 1,391 43,568 164,351 21,828
Washington 336,282 15,079 48,328 173,268 20,830
West Virginia 4,345 15 3,253 17,215 6,004
Wisconsin 391,709 21,257 17,380 105,991 11,941
Wyoming 60,383 2,135 407 9,036 1,457
United States $18,286,986 $1,536,290 $1,701,995 $5,675,912 $1,371,762
(1) Includes some state funds. Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Auto

Costs/Expenditures

Average Expenditures For Auto Insurance By State, 2017-2021
View Full Table
 
  2021 2020   Average expenditure
State Liability Collision Compre- hensive Average expenditure Rank (1) Average expenditure Rank (1) Average expenditure percent change 2020-2021 2019 2018 2017
Alabama  $521.19 $378.23 $188.19 $926.43 26 $917.61 25 1.0% $927.51 $906.76 $857.56
Alaska  563.16 404.04 155.04 978.96 21 967.26 22 1.2 991.00 965.45 931.43
Arizona  659.15 322.82 219.29 1,073.30 17 1,041.34 18 3.1 1,065.01 1,048.98 997.63
Arkansas  467.27 373.62 248.44 886.29 33 878.37 33 0.9 900.36 901.11 849.38
California  603.68 510.02 99.11 1,046.74 18 1,047.94 17 -0.1 1,051.82 1,025.07 965.05
Colorado  694.04 327.88 326.39 1,190.21 13 1,171.61 13 1.6 1,175.48 1,133.09 1,052.58
Connecticut  789.56 408.95 143.54 1,243.06 11 1,228.10 11 1.2 1,266.79 1,217.06 1,168.87
Delaware  856.76 351.70 143.19 1,258.20 10 1,250.55 9 0.6 1,286.99 1,289.62 1,224.85
D.C. 790.75 543.86 224.81 1,434.53 3 1,411.30 4 1.6 1,439.99 1,429.39 1,336.73
Florida  1,014.88 340.01 162.78 1,431.56 4 1,369.13 6 4.6 1,414.27 1,427.17 1,353.35
Georgia  833.02 413.29 186.44 1,268.34 8 1,254.06 8 1.1 1,264.81 1,218.43 1,134.31
Hawaii 449.72 371.27 107.30 817.98 38 807.76 38 1.3 839.70 829.01 804.05
Idaho  424.10 275.23 149.12 741.54 48 724.63 48 2.3 739.88 722.02 679.02
Illinois  494.52 355.02 152.01 918.72 28 914.31 27 0.5 940.92 919.14 899.68
Indiana  429.30 284.64 144.51 767.57 45 765.81 44 0.2 780.69 771.04 747.97
Iowa  343.23 257.24 241.15 725.30 49 707.69 49 2.5 708.56 700.67 675.85
Kansas  417.15 279.76 293.78 815.46 40 792.93 40 2.8 817.88 806.96 768.41
Kentucky  580.97 288.96 170.45 902.01 29 908.38 29 -0.7 947.49 951.85 910.98
Louisiana  973.75 452.43 256.61 1,500.38 2 1,493.17 1 0.5 1,560.00 1,549.82 1,449.44
Maine  374.24 294.15 126.53 712.97 50 703.99 50 1.3 696.52 687.26 668.06
Maryland 717.65 417.14 168.87 1,198.40 12 1,199.37 12 -0.1 1,231.51 1,211.69 1,143.99
Massachusetts  643.74 439.94 151.68 1,165.14 14 1,169.84 14 -0.4 1,182.69 1,167.16 1,136.60
Michigan 785.92 456.36 173.72 1,306.32 7 1,420.66 3 -8.0 1,498.59 1,446.43 1,361.65
Minnesota  481.89 277.97 226.33 891.63 32 880.81 32 1.2 892.05 873.48 840.55
Mississippi 552.49 368.69 251.82 1,004.03 20 978.84 20 2.6 977.79 973.74 933.02
Missouri  513.00 317.58 232.67 929.44 25 908.57 28 2.3 933.54 917.40 872.16
Montana  427.13 294.17 313.40 846.15 37 834.32 37 1.4 836.46 825.90 784.87
Nebraska  418.30 283.00 281.71 816.44 39 795.35 39 2.7 807.44 797.43 768.08
Nevada  906.72 356.40 118.31 1,264.70 9 1,245.43 10 1.5 1,292.58 1,262.24 1,143.54
New Hampshire  429.82 325.59 125.38 852.14 36 848.30 35 0.5 864.76 847.79 824.77
New Jersey  911.48 422.70 140.14 1,365.71 6 1,332.29 7 2.5 1,390.44 1,379.68 1,351.08
New Mexico  549.29 308.39 214.98 892.51 31 903.87 30 -1.3 932.65 915.74 871.02
New York  969.47 476.58 188.89 1,511.04 1 1,438.50 2 5.0 1,446.14 1,425.22 1,351.00
North Carolina  400.69 346.86 162.24 780.19 43 752.65 45 3.7 753.94 739.49 693.13
North Dakota  299.99 275.01 248.56 691.50 51 691.37 51 0.0 703.66 687.91 662.12
Ohio  422.07 293.65 136.49 776.24 44 780.78 42 -0.6 806.07 802.02 784.51
Oklahoma  484.29 335.20 275.17 896.01 30 887.55 31 1.0 913.63 920.32 898.50
Oregon  643.87 269.52 111.44 947.47 24 951.46 23 -0.4 990.24 990.24 962.41
Pennsylvania  518.22 374.29 178.76 968.38 22 968.94 21 -0.1 996.56 995.42 966.22
Rhode Island  925.85 503.16 159.47 1,422.42 5 1,387.92 5 2.5 1,382.17 1,350.00 1,300.75
South Carolina  731.22 319.51 220.03 1,141.03 15 1,111.43 15 2.7 1,115.78 1,097.80 1,025.21
South Dakota  331.05 256.15 371.52 767.49 46 738.29 47 4.0 745.21 723.35 696.34
Tennessee  472.13 350.83 177.73 869.86 34 854.24 34 1.8 864.94 858.37 823.28
Texas  627.25 424.72 291.05 1,123.12 16 1,085.40 16 3.5 1,143.91 1,152.46 1,096.92
Utah  609.64 307.15 130.64 951.67 23 936.73 24 1.6 954.53 941.12 891.07
Vermont  360.57 330.23 155.00 780.45 42 784.32 41 -0.5 783.69 777.86 762.55
Virginia  485.95 323.24 151.39 863.84 35 845.25 36 2.2 858.75 855.55 821.42
Washington  667.24 317.99 125.18 1,029.92 19 1,035.25 19 -0.5 1,068.26 1,035.59 994.89
West Virginia  489.04 345.76 229.73 918.91 27 914.53 26 0.5 939.04 938.77 914.16
Wisconsin  400.94 248.24 175.05 757.50 47 747.67 46 1.3 767.65 756.05 732.46
Wyoming  347.07 286.94 364.35 790.21 41 769.24 43 2.7 776.95 765.80 744.49
United States $632.33 $377.33 $179.84 $1,061.54   $1,046.37   1.4% $1,071.74 $1,058.10 $1,008.35
(1) Ranked highest to lowest by average expenditure. Note: Average expenditure=Total written premium/liability car years. A car year is equal to 365 days of insured coverage for a single vehicle. The NAIC does not rank state average expenditures and does not endorse any conclusion drawn from these data. Source: National Association of Insurance Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC.

Auto Insurance Affordability

Average Auto Insurance Expenditures As A Percent of Median Household Income, 2018 (1)
View Full Table
 
Rank State Percent Rank State Percent
1 Louisiana 3.09% 27 Oregon 1.43%
2 Florida 2.61 28 Montana 1.43
3 Michigan 2.43 29 Maryland 1.41
4 Mississippi 2.27 30 Alaska 1.40
5 Georgia 2.17 31 North Carolina 1.38
6 Rhode Island 2.14 32 Massachusetts 1.35
7 New York 2.12 33 Illinois 1.31
8 Nevada 2.04 34 Washington 1.30
9 Delaware 1.99 35 Ohio 1.29
10 Texas 1.93 36 Indiana 1.28
11 New Mexico 1.90 37 Kansas 1.26
12 South Carolina 1.90 38 Idaho 1.23
13 New Jersey 1.87 39 Minnesota 1.22
14 West Virginia 1.86 40 Utah 1.22
15 Arkansas 1.81 41 Wyoming 1.22
16 Alabama 1.81 42 Wisconsin 1.21
17 Kentucky 1.72 43 South Dakota 1.21
18 Arizona 1.68 44 Nebraska 1.18
19 Oklahoma 1.68 45 Maine 1.17
20 DC 1.67 46 Virginia 1.11
21 Connecticut 1.67 47 Vermont 1.11
22 Colorado 1.55 48 Hawaii 1.04
23 Pennsylvania 1.54 49 New Hampshire 1.04
24 Tennessee 1.53 50 North Dakota 1.03
25 Missouri 1.48 51 Iowa 1.02
26 California 1.47   Total U.S. 1.67%
(1) Data are for IRC's affordability index based on average auto insurance expenditures published by the National Association of Insurance Commissioners (NAIC) (see charts here) and median household income from the U.S. Census Bureau. Source: Auto Insurance Affordability: Countrywide Trends and State Comparisons, Insurance Research Council.

High-Risk Markets

Estimated Percentage of Uninsured Motorists by State, 2017-2022 (1)
View Full Table
 
State 2017 2018 2019 2020 2021 2022 Rank (2)
Alabama 15.3% 15.3% 14.9% 15.2% 15.3% 14.2% 20
Alaska 9.0 9.8 10.0 9.7 9.3 11.3 29
Arizona 9.4 9.3 9.3 11.3 12.3 11.9 27
Arkansas 15.0 14.2 12.6 13.9 14.5 15.1 18
California 14.0 14.7 13.4 17.8 18.0 17.0 11
Colorado 14.4 15.6 14.8 19.0 18.7 17.5 9
Connecticut 8.5 7.9 8.2 11.0 11.9 10.4 33
Delaware 15.0 14.5 12.8 13.8 19.2 18.1 8
D.C. 17.4 15.9 16.8 26.8 27.3 25.2 1
Florida (3) 17.6 17.9 18.8 19.5 17.3 15.9 15
Georgia 13.9 13.4 13.4 16.8 17.9 18.1 7
Hawaii 7.4 8.3 8.2 10.0 11.9 10.9 31
Idaho 8.8 7.7 6.9 5.6 5.5 6.2 49
Illinois 13.7 13.6 13.8 18.6 16.5 16.3 13
Indiana 11.1 10.5 10.5 12.8 13.8 13.9 21
Iowa 9.1 7.2 7.4 9.7 9.8 9.9 35
Kansas 7.8 6.8 6.7 9.7 8.9 8.0 44
Kentucky 15.6 15.4 15.1 19.7 20.4 18.7 6
Louisiana 10.8 11.3 11.1 12.1 12.4 13.7 23
Maine 5.5 5.0 5.7 6.1 5.1 6.2 50
Maryland 12.7 11.5 11.8 15.5 15.7 15.1 17
Massachusetts 4.9 4.8 4.9 6.6 7.9 8.8 40
Michigan 20.3 18.5 21.7 25.7 20.1 19.6 5
Minnesota 7.6 7.4 7.4 10.4 10.0 8.7 42
Mississippi 19.6 20.1 19.5 21.7 21.6 22.2 3
Missouri 13.4 14.0 13.4 17.8 16.9 16.0 14
Montana 13.8 10.2 9.7 9.4 10.6 8.8 39
Nebraska 6.1 6.1 6.1 6.9 8.3 7.8 46
Nevada 9.0 10.1 9.0 9.8 9.8 8.8 41
New Hampshire 6.8 7.6 6.2 8.9 8.1 7.8 47
New Jersey 7.8 7.7 7.8 9.8 11.1 10.9 30
New Mexico 19.3 18.6 18.5 22.3 22.4 24.9 2
New York 5.8 5.2 4.4 6.8 9.4 10.8 32
North Carolina 7.2 7.4 7.3 9.3 9.9 10.3 34
North Dakota 6.0 6.5 4.0 4.7 6.3 7.9 45
Ohio 13.0 11.7 12.0 16.7 17.3 17.1 10
Oklahoma 14.1 15.0 13.7 12.8 12.2 11.8 28
Oregon 9.4 9.5 8.9 10.7 13.1 12.3 24
Pennsylvania 7.3 6.7 6.5 9.9 10.7 9.6 37
Rhode Island 13.1 11.2 11.6 13.8 15.0 15.6 16
South Carolina 9.9 10.1 9.3 10.7 11.1 12.3 25
South Dakota 8.2 8.1 6.6 6.7 9.6 8.0 43
Tennessee 16.3 15.6 14.7 19.5 19.7 20.9 4
Texas 11.1 11.0 11.0 13.6 13.4 13.8 22
Utah 5.7 6.3 6.0 6.8 7.2 7.3 48
Vermont 7.0 6.2 4.4 5.7 9.1 9.7 36
Virginia 9.4 9.1 9.0 12.5 12.9 12.1 26
Washington 13.2 12.3 11.2 13.1 15.6 16.5 12
West Virginia 10.0 9.4 9.5 9.7 8.5 8.9 38
Wisconsin 13.2 12.7 12.3 16.1 15.3 15.1 19
Wyoming 15.3 4.2 6.3 7.1 5.8 5.9 51
(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claims frequencies. (2) Rank is on 2022 percentage of uninsured motorists, calculated from unrounded data. (3) In Florida, compulsory auto laws apply to personal injury protection (PIP) and physical damage, but not to third party bodily injury coverage. Source: Insurance Research Council.

Laws

Automobile Financial Responsibility Limits By State
View Full Table
(As of December 2023)
State Insurance required Minimum liability limits (1)
Alabama BI & PD Liability 25/50/25
Alaska BI & PD Liability 50/100/25
Arizona BI & PD Liability 25/50/15
Arkansas BI & PD Liability, PIP 25/50/25
California BI & PD Liability 15/30/5 (2)
Colorado BI & PD Liability 25/50/15
Connecticut BI & PD Liability, UM, UIM 25/50/25
Delaware BI & PD Liability, PIP 25/50/10
DC BI & PD Liability, UM 25/50/10
Florida PD Liability, PIP 10/20/10
Georgia BI & PD Liability 25/50/25
Hawaii BI & PD Liability, PIP 20/40/10
Idaho BI & PD Liability 25/50/15
Illinois BI & PD Liability, UM, UIM 25/50/20
Indiana BI & PD Liability 25/50/25
Iowa BI & PD Liability 20/40/15
Kansas BI & PD Liability, PIP, UM, UIM 25/50/15
Kentucky BI & PD Liability, PIP 25/50/25 (3)
Louisiana BI & PD Liability 15/30/25
Maine BI & PD Liability, MED, UM, UIM 50/100/25 (3)
Maryland BI & PD Liability, PIP, UM, UIM 30/60/15 (3)
Massachusetts BI & PD Liability, PIP, UM 20/40/5
Michigan BI & PD Liability, PIP 250/500/10 (4)
Minnesota BI & PD Liability, PIP, UM, UIM 30/60/10
Mississippi BI & PD Liability 25/50/25
Missouri BI & PD Liability, UM 25/50/25
Montana BI & PD Liability 25/50/20
Nebraska BI & PD Liability, UM, UIM 25/50/25
Nevada BI & PD Liability 25/50/20
New Hampshire FR Only 25/50/25
New Jersey BI & PD Liability, PIP, UM, UIM 25/50/25 (5)
New Mexico BI & PD Liability 25/50/10
New York BI & PD Liability, PIP, UM, UIM 25/50/10 (6)
North Carolina BI & PD Liability, UM, UIM 30/60/25
North Dakota BI & PD Liability, PIP, UM, UIM 25/50/25
Ohio BI & PD Liability 25/50/25
Oklahoma BI & PD Liability 25/50/25
Oregon BI & PD Liability, PIP, UM, UIM 25/50/20
Pennsylvania BI & PD Liability, PIP 15/30/5
Rhode Island BI & PD Liability 25/50/25 (3)
South Carolina BI & PD Liability, UM 25/50/25
South Dakota BI & PD Liability, UM, UIM 25/50/25
Tennessee BI & PD Liability 25/50/25
Texas BI & PD Liability 30/60/25
Utah BI & PD Liability, PIP 25/65/15 (3)
Vermont BI & PD Liability, UM, UIM 25/50/10
Virginia BI & PD Liability, UM, UIM 30/60/20 (7)
Washington BI & PD Liability 25/50/10
West Virginia BI & PD Liability, UM 25/50/25
Wisconsin BI & PD Liability, UM 25/50/10
Wyoming BI & PD Liability 25/50/20
(1) The first two numbers refer to bodily injury (BI) liability limits and the third number to property damage (PD) liability. For example, 20/40/10 means coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 for one individual, and $10,000 coverage for property damage. (2) Low-cost policy limits for low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3. (3) Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy. Amounts vary by state. (4) Lower limits available only with state director approval. (5) Basic policy (optional) limits are 10/10/5. Uninsured and underinsured motorist coverage not available under the basic policy but uninsured and underinsured motorist coverage is required under the standard policy. Special Automobile Insurance Policy available for certain drivers which only covers emergency treatment and a $10,000 death benefit. (6) In addition, policyholders must have 50/100 for wrongful death coverage. (7) Compulsory to buy insurance or pay an uninsured motorists vehicle (UMV) fee to the state department of motor vehicles. Note: State laws regarding mandatory requirements for uninsured and underinsured motorists vary. State departments of insurance should be consulted to determine whether these coverages are compulsory. Source: State departments of insurance, Excerpted from Automobile Financial Responsibility Laws and Uninsured/Underinsured Motorist and Umbrella Coverage Requirements, property of American Property Casualty Insurers Association.

Homeowners

High-Risk Markets

Homes At Risk For Extreme Wildfires, By State, 2023
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Rank State Number of housing units
1 California 1,279,214
2 Colorado 332,716
3 Texas 233,434
4 Oregon 124,401
5 Arizona 121,761
6 New Mexico 115,790
7 Idaho 100,233
8 Montana 84,370
9 Utah 68,135
10 Washington 54,162
11 South Dakota 24,638
12 Nevada 22,802
13 Wyoming 15,308
14 Oklahoma 1,499
Source: CoreLogic®, a property data and analytics company.

Costs/Expenditures

Average Premiums for Homeowners and Renters Insurance by State, 2021 (1)
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  Homeowners Renters   Homeowners Renters
State Average premium (2) Rank (3) Average premium (4) Rank (3) State Average premium (2) Rank (3) Average premium (4) Rank (3)
Alabama 1,610 12 222 3 Montana 1,471 15 154 31
Alaska 1,067 35 184 8 Nebraska 1,684 9 141 46
Arizona 917 46 160 25 Nevada 863 48 175 14
Arkansas 1,611 11 206 5 New Hampshire 1,090 34 145 42
California (5) 1,403 20 177 13 New Jersey 1,309 23 151 34
Colorado 1,802 6 159 27 New Mexico 1,229 30 175 14
Connecticut 1,651 10 171 18 New York 1,455 17 164 22
Delaware 988 44 144 44 North Carolina 1,192 33 164 22
D.C. 1,272 25 150 36 North Dakota 1,256 27 114 51
Florida 2,437 1 175 14 Ohio 920 45 160 25
Georgia 1,466 16 205 6 Oklahoma 2,155 3 221 4
Hawaii 1,299 24 172 17 Oregon 793 50 150 36
Idaho 884 47 146 40 Pennsylvania 1,014 40 147 39
Illinois 1,223 31 154 31 Rhode Island 1,900 5 178 12
Indiana 1,058 36 162 24 South Carolina 1,432 18 184 8
Iowa 1,043 37 135 47 South Dakota 1,270 26 117 50
Kansas 1,491 14 159 27 Tennessee 1,368 21 183 10
Kentucky 1,232 29 156 30 Texas (6) 2,146 4 204 7
Louisiana 2,259 2 243 2 Utah 831 49 145 42
Maine 996 42 146 40 Vermont 1,025 38 150 36
Maryland 1,238 28 152 33 Virginia 1,199 32 151 34
Massachusetts 1,712 8 168 21 Washington 1,001 41 159 27
Michigan 993 43 179 11 West Virginia 1,016 39 170 20
Minnesota 1,607 13 132 48 Wisconsin 780 51 127 49
Mississippi 1,766 7 258 1 Wyoming 1,432 18 142 45
Missouri 1,340 22 171 18 United States $1,411   $170  
(1) Includes state funds, residual markets and some wind pools. (2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written. (3) Ranked from highest to lowest. States with the same premium receive the same rank. (4) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants. (5) Data provided by the California Department of Insurance. (6) Texas data were obtained from the Texas Department of Insurance. Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average premiums and does not endorse any conclusions drawn from this data. Source: National Association of Insurance Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC.

Natural Catastrophes By Peril

Wildfires

Top 10 States For Wildfires Ranked By Number Of Fires And By Number Of Acres Burned, 2022
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Rank State Number of fires Rank State Number of acres burned
1 Texas 12,571 1 Alaska 3,110,976
2 California 7,884 2 New Mexico 859,906
3 North Carolina 6,222 3 Texas 671,800
4 Georgia 3,621 4 Oregon 456,082
5 Oklahoma 2,811 5 Idaho 436,733
6 Florida 2,784 6 Oklahoma 385,133
7 Alabama 2,710 7 California 309,287
8 Oregon 2,117 8 Washington 173,659
9 Montana 2,087 9 Florida 164,774
10 Mississippi 1,980 10 Montana 137,509
Source: National Interagency Fire Center.
Homes At Risk For Extreme Wildfires, By State, 2023
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Rank State Number of housing units
1 California 1,279,214
2 Colorado 332,716
3 Texas 233,434
4 Oregon 124,401
5 Arizona 121,761
6 New Mexico 115,790
7 Idaho 100,233
8 Montana 84,370
9 Utah 68,135
10 Washington 54,162
11 South Dakota 24,638
12 Nevada 22,802
13 Wyoming 15,308
14 Oklahoma 1,499
Source: CoreLogic®, a property data and analytics company.

Convective storms: Tornadoes, Hail and Lightning

Tornadoes And Related Deaths By State, 2023 (1)
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State Tornadoes Fatalities Rank (2) State Tornadoes Fatalities Rank (2)
Alabama 101 9 101 Montana 4 0 4
Alaska 0 0 (3) Nebraska 81 0 81
Arizona 4 0 4 Nevada 3 0 3
Arkansas 36 4 36 New Hampshire 2 0 2
California 12 0 12 New Jersey 13 0 13
Colorado 89 0 89 New Mexico 14 0 14
Connecticut 2 0 2 New York 13 0 13
Delaware 5 1 5 North Carolina 14 0 14
D.C. 0 0 (3) North Dakota 5 0 5
Florida 47 0 47 Ohio 56 0 56
Georgia 58 1 58 Oklahoma 48 2 48
Hawaii 0 0 (3) Oregon 2 0 2
Idaho 5 0 5 Pennsylvania 26 0 26
Illinois 136 4 136 Rhode Island 2 0 2
Indiana 51 6 51 South Carolina 18 0 18
Iowa 73 0 73 South Dakota 17 0 17
Kansas 39 0 39 Tennessee 53 17 53
Kentucky 41 0 41 Texas 89 8 89
Louisiana 38 0 38 Utah 3 0 3
Maine 1 0 1 Vermont 2 0 2
Maryland 2 0 2 Virginia 8 0 8
Massachusetts 8 0 8 Washington 3 0 3
Michigan 19 2 19 West Virginia 0 0 0
Minnesota 25 0 25 Wisconsin 20 0 20
Mississippi 81 24 81 Wyoming 27 0 27
Missouri 27 5 27 United States (4) 1,423 83  
(1) Numbers include preliminary estimates as of January 2024. Ranked by total number of tornadoes. (2) States with the same number of tornadoes receive the same ranking. (3) State had no tornadoes in 2023. (4) The U.S. total will not match data used in other charts because it counts tornadoes that cross state lines. Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.

Crime

Cybercrime and Identity Theft

Identity Theft By State, 2023
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State Reports per 100,000 population (1) Number of reports Rank (2), (3) State Reports per 100,000 population (1) Number of reports Rank (2), (3)
Alabama 245 12,228 18 Nebraska 137 2,673 38
Alaska 114 839 46 Nevada 404 12,362 3
Arizona 262 18,539 16 New Hampshire 138 1,892 37
Arkansas 169 5,071 28 New Jersey 283 26,136 14
California 304 119,929 10 New Mexico 134 2,825 39
Colorado 222 12,729 23 New York 256 51,484 17
Connecticut 384 13,848 4 North Carolina 243 25,142 19
Delaware 359 3,523 5 North Dakota 118 913 45
Florida 438 93,547 2 Ohio 294 34,616 12
Georgia 457 48,606 1 Oklahoma 153 6,032 32
Hawaii 122 1,773 43 Oregon 177 7,444 26
Idaho 123 2,223 42 Pennsylvania 314 40,778 8
Illinois 307 39,314 9 Rhode Island 216 2,357 24
Indiana 176 11,870 27 South Carolina 294 14,931 12
Iowa 141 4,468 35 South Dakota 94 833 50
Kansas 150 4,405 33 Tennessee 185 12,709 25
Kentucky 119 5,340 44 Texas 350 101,002 7
Louisiana 275 12,816 15 Utah 165 5,345 29
Maine 126 1,714 40 Vermont 97 620 49
Maryland 298 18,327 11 Virginia 224 19,211 22
Massachusetts 351 24,540 6 Washington 165 12,582 29
Michigan 235 23,621 20 West Virginia 110 1,977 47
Minnesota 142 8,063 34 Wisconsin 141 8,301 35
Mississippi 225 6,663 21 Wyoming 106 609 48
Missouri 161 9,873 31 D.C. 478 3,268  
Montana 126 1,354 40 Puerto Rico 51 1,690  
(1) Population figures are based on the 2019 U.S. Census population estimates. (2) States ranked per complaints per 100,000 population. States with the same number of complaints per 100,000 population receive the same rank. (3) Excludes the District of Columbia and Puerto Rico. Source: Federal Trade Commission, Consumer Sentinel Network.

Motor Vehicles

Crashes

Motor Vehicle Traffic Deaths By State, 2020-2021
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  Number of deaths     Number of deaths  
State 2020 2021 Percent change State 2020 2021 Percent change
Alabama 934 983 5% Montana 213 239 12%
Alaska 64 67 5 Nebraska 233 221 -5
Arizona 1,053 1,180 12 Nevada 333 385 16
Arkansas 651 693 6 New Hampshire 104 118 13
California 3,980 4,285 8 New Jersey 586 699 19
Colorado 622 691 11 New Mexico 398 481 21
Connecticut 299 298 0 New York 1,045 1,157 11
Delaware 116 136 17 North Carolina 1,538 1,663 8
D.C. 36 41 14 North Dakota 100 101 1
Florida 3,329 3,738 12 Ohio 1,230 1,354 10
Georgia 1,658 1,797 8 Oklahoma 653 762 17
Hawaii 85 94 11 Oregon 507 599 18
Idaho 214 271 27 Pennsylvania 1,129 1,230 9
Illinois 1,193 1,334 12 Rhode Island 67 63 -6
Indiana 897 932 4 South Carolina 1,066 1,198 12
Iowa 343 356 4 South Dakota 141 148 5
Kansas 426 424 0 Tennessee 1,217 1,327 9
Kentucky 780 806 3 Texas 3,876 4,498 16
Louisiana 828 972 17 Utah 276 328 19
Maine 164 153 -7 Vermont 62 74 19
Maryland 573 561 -2 Virginia 850 973 14
Massachusetts 343 417 22 Washington 574 670 17
Michigan 1,086 1,136 5 West Virginia 267 280 5
Minnesota 394 488 24 Wisconsin 612 620 1
Mississippi 748 772 3 Wyoming 127 110 -13
Missouri 987 1,016 3 United States 39,007 42,939 10.0%
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

Theft

Motor Vehicle Thefts By State, 2021 (1)
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State Motor vehicle theft incidents (2) Percent of population covered by reporting law enforcement agencies (3) State Motor vehicle theft incidents (2) Percent of population covered by reporting law enforcement agencies (3)
Alabama 7,308 82% Montana 2,967 97%
Alaska 611 56 Nebraska 1,750 73
Arizona 5,823 52 Nevada 13,709 99
Arkansas 8,110 97 New Hampshire 892 98
California 11,272 29 New Jersey 5,207 48
Colorado 40,853 99 New Mexico 7,316 85
Connecticut 7,407 98 New York 4,088 20
Delaware 1,609 98 North Carolina 18,779 97
D.C. 1,716 100 North Dakota 2,085 96
Florida 50 17 Ohio 19,402 91
Georgia 17,985 89 Oklahoma 15,387 99
Hawaii 4,286 85 Oregon 19,242 100
Idaho 1,618 96 Pennsylvania 7,648 36
Illinois 11,735 64 Rhode Island 1,635 99
Indiana 12,585 82 South Carolina 13,937 99
Iowa 5,799 93 South Dakota 1,959 89
Kansas 5,681 90 Tennessee 20,142 100
Kentucky 11,100 99 Texas 87,053 98
Louisiana 7,505 73 Utah 7,960 93
Maine 891 96 Vermont 450 97
Maryland 4,026 65 Virginia 11,248 100
Massachusetts 6,819 99 Washington 35,326 99
Michigan 21,283 93 West Virginia 1,797 89
Minnesota 14,562 94 Wisconsin 15,950 94
Mississippi 3,059 59 Wyoming 856 76
(1) Includes the District of Columbia. Does not include a total for the United States because data in this chart is compiled on a different basis than the national totals released by the FBI. (2) Beginning in 2021, state totals comprise of incidents submitted by law enforcement agencies to the National Incident-Based Reporting System (NIBRS). (3) States have varying degrees of reporting data to the NIBRS.  Percent of population covered shown. Source: U.S. Department of Justice, Federal Bureau of Investigation, Crime Data Explorer.