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)
 
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
 
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, 2022 (1)
($000)
State Amount State Amount
Alabama  $513,226 Montana $153,056
Alaska 68,590 Nebraska 78,815
Arizona 732,224 Nevada 518,019
Arkansas 345,234 New Hampshire 136,733
California 3,319,048 New Jersey  747,723
Colorado 338,355 New Mexico 235,866
Connecticut 191,176 New York  2,409,677
Delaware 146,051 North Carolina 1,003,553
D.C. 148,438 North Dakota 75,216
Florida 1,571,412 Ohio 675,158
Georgia 482,092 Oklahoma 349,723
Hawaii 201,859 Oregon 85,403
Idaho 137,183 Pennsylvania 913,085
Ilinois 491,053 Rhode Island 159,612
Indiana 257,529 South Carolina 289,114
Iowa 152,546 South Dakota 97,571
Kansas 466,396 Tennessee 1,223,183
Kentucky 179,015 Texas 3,121,923
Louisiana 1,080,293 Utah 189,609
Maine 136,120 Vermont 68,799
Maryland 791,320 Virginia 683,923
Massachusetts 587,997 Washington 823,878
Michigan 398,371 West Virginia 135,847
Minnesota 718,431 Wisconsin 247,174
Mississippi 383,652 Wyoming 33,611
Missouri 465,920 United States $28,759,802
(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, 2022 (1)
($ millions)
State Life insurance Annuities Accident and health insurance (2) Deposit-type contract funds Other considerations Total
Alabama $2,556 $4,392 $2,215 $353 $494 $10,010
Alaska 670 465 307 29 403 1,873
Arizona 3,039 9,289 4,382 473 2,256 19,438
Arkansas 1,266 2,111 1,209 102 262 4,950
California 20,923 35,456 15,957 3,571 10,480 86,387
Colorado 3,194 6,712 4,507 5,337 1,454 21,204
Connecticut 2,750 6,307 3,622 9,781 2,651 25,111
Delaware 2,101 3,156 1,031 75,648 267 82,203
D.C. 515 694 1,042 1,147 1,316 4,714
Florida 12,250 31,082 15,865 1,274 2,552 63,023
Georgia 5,785 9,070 7,453 1,955 2,659 26,921
Hawaii 981 1,966 1,045 82 326 4,401
Idaho 751 2,003 669 76 295 3,794
Illinois 8,103 13,452 7,314 3,912 3,092 35,873
Indiana 3,398 7,152 4,495 2,657 870 18,572
Iowa 2,644 4,229 1,551 9,135 5,652 23,210
Kansas 1,521 2,749 3,975 2,052 292 10,589
Kentucky 1,844 4,237 1,926 434 546 8,988
Louisiana 2,646 4,901 2,537 242 654 10,979
Maine 521 1,570 1,072 72 220 3,455
Maryland 3,348 6,991 4,385 1,070 1,057 16,850
Massachusetts 4,234 10,975 5,025 2,885 4,662 27,780
Michigan 5,207 13,740 4,105 1,353 1,615 26,021
Minnesota 5,462 6,762 2,268 915 2,729 18,137
Mississippi 1,453 2,124 1,807 79 233 5,696
Missouri 3,195 8,235 4,705 1,546 1,114 18,796
Montana 434 610 474 37 169 1,724
Nebraska 1,418 2,320 1,566 363 424 6,092
Nevada 1,607 3,264 1,710 167 489 7,237
New Hampshire 711 2,688 915 536 397 5,248
New Jersey 7,976 16,226 9,641 1,334 1,902 37,079
New Mexico 746 1,341 719 116 260 3,182
New York 13,440 25,899 14,476 95,932 5,396 155,143
North Carolina 6,104 13,535 7,094 731 1,252 28,716
North Dakota 537 1,366 358 245 173 2,678
Ohio 6,192 14,763 8,245 40,859 1,576 71,634
Oklahoma 1,626 2,411 1,748 194 449 6,428
Oregon 1,436 3,180 2,107 225 1,378 8,326
Pennsylvania 7,241 18,937 8,727 2,507 4,007 41,418
Rhode Island 535 1,655 511 105 148 2,954
South Carolina 2,654 6,450 3,084 201 391 12,781
South Dakota 1,260 804 467 376 657 3,564
Tennessee 3,713 7,305 4,887 883 1,225 18,014
Texas 14,831 25,497 19,450 3,134 3,036 65,947
Utah 1,861 3,682 1,751 2,240 531 10,065
Vermont 281 1,320 353 110 160 2,225
Virginia 4,740 8,962 5,771 821 1,199 21,493
Washington ,3433 6,362 3,415 666 1,785 15,660
West Virginia 693 1,660 902 96 188 3,539
Wisconsin 2,961 7,030 5,074 729 1,150 16,945
Wyoming 367 601 413 23 63 1,467
United States $187,153 $377,685 $208,329 $278,808 $76,559 $1,128,534
(1) Direct premiums written before reinsurance transactions, excludes state funds. (2) Excludes accident and health premiums reported on property/casualty and health annual statements. (3) Excludes territories, dividends and other nonstate specific data. 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, 2022 (1)
($000)
State Total, all lines State Total, all lines
Alabama $11,716,215 Montana $3,463,887
Alaska 1,852,814 Nebraska 6,904,731
Arizona 15,629,400 Nevada 7,673,000
Arkansas 7,014,809 New Hampshire 3,045,198
California 104,899,591 New Jersey 26,686,284
Colorado 18,256,356 New Mexico 4,409,436
Connecticut 10,652,031 New York 58,997,898
D.C. 2,606,309 North Carolina 21,718,434
Delaware 3,515,643 North Dakota 3,628,847
Florida 75,754,056 Ohio 21,195,930
Georgia 29,010,823 Oklahoma 10,305,716
Hawaii 3,182,810 Oregon 9,365,253
Idaho 4,396,734 Pennsylvania 30,140,258
Illinois 33,307,419 Rhode Island 3,056,359
Indiana 14,924,567 South Carolina 13,282,307
Iowa 9,149,372 South Dakota 3,671,373
Kansas 8,890,216 Tennessee 15,563,305
Kentucky 9,271,062 Texas 80,475,416
Louisiana 14,812,427 Utah 7,181,285
Maine 3,002,428 Vermont 1,492,710
Maryland 14,860,314 Virginia 18,087,161
Massachusetts 19,648,888 Washington 16,580,372
Michigan 22,571,240 West Virginia 3,341,671
Minnesota 15,532,897 Wisconsin 13,366,412
Mississippi 6,847,421 Wyoming 1,593,760
Missouri 15,553,278 United States (2) $862,086,123
(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, 2022 (1)
($000)
State Incurred losses State Incurred losses
Alabama $6,763,983 Montana $2,500,243
Alaska 879,607 Nebraska 6,512,129
Arizona 10,111,295 Nevada 5,157,930
Arkansas 5,950,598 New Hampshire 1,554,827
California 63,163,766 New Jersey 15,927,262
Colorado 10,284,422 New Mexico 2,910,372
Connecticut 6,363,838 New York 36,600,351
D.C. 1,268,342 North Carolina 12,564,571
Delaware 2,286,930 North Dakota 2,608,834
Florida 66,957,499 Ohio 13,431,956
Georgia 20,501,918 Oklahoma 6,408,628
Hawaii 1,404,129 Oregon 5,551,997
Idaho 2,514,527 Pennsylvania 18,332,710
Illinois 19,630,854 Rhode Island 1,604,713
Indiana 8,589,569 South Carolina 8,335,029
Iowa 5,210,475 South Dakota 3,574,405
Kansas 6,155,852 Tennessee 9,559,403
Kentucky 5,934,585 Texas 51,918,862
Louisiana 8,376,674 Utah 4,055,619
Maine 1,506,216 Vermont 795,979
Maryland 9,485,501 Virginia 10,383,638
Massachusetts 10,414,993 Washington 10,959,865
Michigan 15,481,190 West Virginia 1,868,737
Minnesota 13,154,942 Wisconsin 8,681,442
Mississippi 4,012,016 Wyoming 681,473
Missouri 9,531,422 United States $558,416,119
(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, 2022 (1)
($000)
  Private passenger auto Commercial auto      
State Liability Coll./Comp. Liability Coll./Comp. Homeowners multiple peril Farmowners multi peril Commercial multi peril
Alabama $2,182,999 $1,882,444 $610,897 $220,573 $2,337,365 $94,675 $821,398
Alaska 299,630 242,690 73,998 23,894 205,077 824 112,225
Arizona 3,800,911 2,684,468 883,672 216,563 2,335,487 19,954 834,032
Arkansas 1,205,673 1,135,557 370,958 162,330 1,227,304 89,332 453,981
California 17,829,570 14,851,319 5,772,260 1,400,012 12,375,311 228,279 6,536,784
Colorado 3,336,746 2,725,368 734,149 264,463 3,798,806 113,135 1,177,366
Connecticut 2,010,996 1,252,932 469,082 123,366 1,848,454 8,151 802,642
Delaware 661,325 334,717 166,338 35,905 382,057 9,026 338,672
D.C. 210,620 183,829 62,396 11,082 199,973 0 206,650
Florida 17,956,707 7,395,109 4,333,806 660,131 14,365,690 26,255 2,947,726
Georgia 7,371,055 3,889,786 2,071,833 438,153 4,591,153 168,597 1,482,926
Hawaii 444,796 392,196 104,073 31,941 461,010 0 238,795
Idaho 726,801 615,818 208,301 105,354 595,444 84,801 318,099
Illinois 4,459,710 4,028,198 1,944,724 690,546 4,880,305 233,479 2,220,963
Indiana 2,377,827 2,037,183 805,663 352,237 2,522,171 225,402 1,070,231
Iowa 947,440 1,156,164 375,749 240,129 1,089,486 271,310 591,024
Kansas 1,088,956 1,108,514 309,067 174,348 1,509,052 290,816 513,195
Kentucky 2,088,147 1,260,113 460,150 160,613 1,477,691 180,048 649,918
Louisiana 3,109,226 1,852,866 887,749 163,029 2,458,364 16,075 695,381
Maine 443,785 439,641 135,504 68,619 539,789 6,893 318,713
Maryland 3,328,950 2,383,728 742,727 219,293 2,462,179 33,994 809,658
Massachusetts 3,092,551 2,608,985 853,930 318,180 3,055,387 4,990 1,658,969
Michigan 5,247,376 3,980,606 955,007 451,222 3,458,624 161,823 1,402,357
Minnesota 2,195,444 2,113,611 559,546 300,743 2,974,121 191,955 942,030
Mississippi 1,192,230 1,056,561 425,811 142,981 1,323,063 33,167 444,598
Missouri 2,511,086 2,226,119 702,483 318,222 2,747,131 227,842 1,050,224
Montana 438,820 501,833 149,824 94,484 526,604 104,613 265,933
Nebraska 742,582 765,398 241,646 163,929 1,071,005 308,695 394,545
Nevada 2,188,685 923,193 629,483 87,131 842,708 8,368 464,248
New Hampshire 479,137 500,276 135,645 56,985 522,142 3,595 314,636
New Jersey 5,539,185 2,900,087 1,882,944 324,627 3,418,762 4,276 1,935,612
New Mexico 986,327 697,435 247,902 72,811 726,198 30,983 298,334
New York 9,655,254 5,620,328 2,863,186 471,185 6,814,557 54,883 5,037,255
North Carolina 3,761,045 3,851,968 1,111,809 390,993 3,729,599 71,092 1,290,199
North Dakota 227,798 320,580 108,622 88,941 282,639 148,444 181,405
Ohio 3,854,310 3,478,116 1,195,219 460,298 3,680,758 199,043 1,616,230
Oklahoma 1,610,834 1,534,331 498,539 197,821 2,141,649 197,395 709,687
Oregon 2,165,992 1,205,642 470,637 150,991 1,209,347 91,969 673,263
Pennsylvania 4,933,081 4,673,627 1,579,341 620,222 4,232,845 118,720 2,251,953
Rhode Island 658,603 375,251 121,554 38,803 540,047 552 215,011
South Carolina 3,297,761 1,921,135 625,645 178,553 2,384,267 21,268 716,383
South Dakota 278,355 416,361 103,974 88,753 373,652 162,058 202,173
Tennessee 2,677,706 2,462,371 745,862 328,855 2,764,344 182,237 1,029,763
Texas 14,514,450 11,988,893 5,304,970 1,346,466 13,448,367 435,276 4,106,101
Utah 1,680,595 1,018,713 386,656 132,699 827,919 20,811 424,853
Vermont 178,484 226,418 59,183 34,376 246,415 17,083 166,782
Virginia 3,647,090 2,941,252 832,300 297,539 3,135,437 88,889 1,075,860
Washington 3,719,244 2,250,999 847,563 267,408 2,484,205 91,900 1,161,734
West Virginia 677,015 648,801 157,151 61,623 526,075 18,898 251,393
Wisconsin 1,819,037 1,808,011 574,354 305,798 1,873,384 218,798 923,200
Wyoming 195,126 293,855 77,464 49,527 294,939 39,841 142,096
United States $160,047,070 $117,163,395 $45,971,344 $13,604,748 $133,318,353 $5,360,511 $54,487,203
(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, 2022 (1) (Cont’d)
($000)
State Workers compensation Excess workers compensation Medical professional liability Product liability Other liability Fire Allied lines
Alabama $418,003 $22,126 $170,446 $52,833 $1,057,561  $330,316 $348,894
Alaska 182,521 3,913 25,118 6,938 203,924 69,143 42,640
Arizona 865,450 17,292 239,672 80,409 1,694,933 237,095 238,405
Arkansas 254,552 8,450 79,762 24,944 643,086 220,287 191,221
California 11,631,091 233,980 968,362 699,507 16,001,244 2,516,500 1,471,882
Colorado 1,027,206 17,283 187,932 100,438 2,231,996 316,167 359,894
Connecticut 742,221 23,222 253,052 59,606 1,667,154 188,540 196,443
Delaware 189,781 2,015 37,766 15,771 748,056 44,656 36,600
D.C. 158,900 4,977 32,316 10,664 779,639 69,634 59,585
Florida 3,248,415 76,572 915,063 327,171 9,293,948 1,958,801 4,858,552
Georgia 1,827,359 44,727 401,916 139,218 3,018,153 548,080 476,672
Hawaii 321,921 8,547 40,129 11,885 429,003 144,044 184,454
Idaho 620,311 1,993 42,352 24,805 387,988 71,084 59,409
Illinois 2,417,169 55,555 546,501 219,952 5,657,033 772,979 526,553
Indiana 839,865 15,338 165,161 131,304 1,471,076 402,286 272,495
Iowa 696,353 10,500 75,120 50,515 897,513 227,016 207,964
Kansas 412,216 9,376 100,552 41,127 705,424 164,648 239,319
Kentucky 552,990 15,161 133,802 36,588 774,473 199,819 172,803
Louisiana 874,834 52,608 116,076 53,101 1,315,676 578,887 923,737
Maine 280,333 3,515 52,816 13,153 269,094 68,036 62,196
Maryland 920,566 14,624 372,609 59,322 1,657,517 228,771 204,554
Massachusetts 1,350,910 25,031 363,551 151,017 3,471,020 428,483 410,591
Michigan 1,036,807 26,188 251,152 123,385 2,110,806 442,253 278,359
Minnesota 994,192 1,480 103,419 115,990 1,798,030 321,761 449,568
Mississippi 347,296 10,743 58,032 21,534 486,245 210,247 214,627
Missouri 1,038,287 36,216 202,794 76,246 1,678,213 352,647 327,107
Montana 287,703 5,341 40,887 15,734 294,655 59,094 59,725
Nebraska 391,080 5,266 49,813 26,301 530,609 119,152 140,827
Nevada 461,468 21,246 99,791 41,580 866,711 158,722 124,944
New Hampshire 228,355 6,617 58,752 17,120 317,626 54,142 43,582
New Jersey 2,586,376 38,514 522,667 219,356 3,884,570 520,179 443,638
New Mexico 297,774 6,002 66,601 13,554 357,156 68,171 67,118
New York 5,109,705 58,140 1,764,356 328,002 13,017,859 1,249,357 1,006,476
North Carolina 1,446,028 25,973 199,331 130,637 2,204,757 456,949 530,815
North Dakota 5,322 5 13,869 16,040 233,681 67,155 59,328
Ohio 18,884 77,706 265,015 147,940 2,581,085 551,747 420,180
Oklahoma 639,592 10,912 116,424 44,849 849,510 270,589 311,971
Oregon 752,076 9,142 116,605 65,475 986,386 190,943 131,329
Pennsylvania 2,507,256 39,320 912,565 167,095 4,286,908 631,751 488,602
Rhode Island 225,045 2,371 37,431 13,692 382,433 58,984 68,876
South Carolina 865,821 11,657 90,527 68,404 1,012,219 450,124 304,680
South Dakota 181,201 1,792 18,312 17,508 196,905 58,345 60,871
Tennessee 826,133 18,925 263,279 96,570 1,667,967 411,460 367,916
Texas 2,560,211 28,668 506,576 421,162 9,465,243 2,984,814 2,682,745
Utah 549,394 5,056 79,530 55,941 904,213 131,557 87,869
Vermont 176,159 1,944 21,141 8,824 148,227 31,407 23,202
Virginia 1,007,109 22,513 234,256 74,366 2,216,993 314,567 301,427
Washington 26,160 33,352 232,144 103,613 2,172,440 374,306 259,327
West Virginia 244,923 5,868 72,142 9,699 268,570 77,927 52,774
Wisconsin 1,975,250 11,671 86,694 110,384 1,514,626 311,566 253,270
Wyoming 5,596 131 19,837 6,967 168,497 35,772 33,052
United States $56,624,168 $1,189,563 $11,824,013 $4,868,235 $110,978,652 $20,750,960 $21,139,068
(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, 2022 (1) (Cont’d)
($000)
State Inland marine Ocean marine Surety Fidelity Burglary and theft Boiler and machinery Financial guaranty
Alabama $470,874 $58,994 $109,808 $14,250 $5,841 $36,438 $2,739
Alaska 93,244 44,606 39,970 2,877 940 13,711 193
Arizona 595,512 37,252 164,241 17,232 8,537 32,200 1,272
Arkansas 303,073 24,133 51,927 9,834 3,122 24,494 446
California 4,210,437 487,834 1,050,332 171,936 66,915 198,359 63,924
Colorado 675,817 28,277 198,248 29,014 9,532 34,722 4,586
Connecticut 451,967 95,825 73,319 28,584 7,363 26,869 2,053
Delaware 175,866 16,467 31,507 6,586 2,014 8,011 18,309
D.C. 162,854 7,412 226,402 17,595 4,793 7,832 6,749
Florida 2,211,430 620,943 560,481 76,040 32,922 97,838 7,234
Georgia 1,021,246 90,225 223,857 37,355 19,612 73,517 771
Hawaii 0 26,001 0 4,739 1,239 7,232 3,702
Idaho 177,391 15,468 34,683 3,890 1,801 13,712 38
Illinois 1,144,059 203,510 289,596 76,457 34,904 103,695 8,919
Indiana 529,223 37,951 130,340 20,639 9,650 57,346 1,989
Iowa 307,608 13,466 64,194 13,836 4,359 33,625 1,191
Kansas 268,481 13,170 58,879 12,551 5,092 29,091 1,431
Kentucky 351,861 36,878 88,089 10,956 4,513 40,832 4,757
Louisiana 582,702 171,832 152,499 14,640 5,879 53,014 1,578
Maine 129,521 41,914 26,358 5,327 1,053 12,071 505
Maryland 531,288 139,223 228,580 28,279 10,077 35,603 1,613
Massachusetts 817,787 145,445 182,289 58,543 14,269 52,373 4,496
Michigan 777,947 133,013 141,367 36,409 15,454 87,203 5,179
Minnesota 535,501 43,637 94,229 30,264 10,795 53,609 644
Mississippi 301,055 29,413 60,002 8,027 2,522 19,351 263
Missouri 552,637 49,980 103,970 26,836 9,465 41,798 6,494
Montana 125,929 5,572 43,439 3,714 1,877 8,187 219
Nebraska 241,349 6,671 52,818 8,678 2,763 19,659 935
Nevada 285,477 10,474 104,875 8,491 4,036 19,429 540
New Hampshire 144,307 17,723 23,792 6,164 1,600 9,667 0
New Jersey 1,038,522 210,374 209,883 47,618 17,068 67,500 5,466
New Mexico 152,825 3,401 64,478 4,625 1,232 10,854 228
New York 2,392,776 527,766 601,256 184,467 47,082 155,560 134,855
North Carolina 999,223 118,640 224,631 44,082 14,278 60,795 2,801
North Dakota 110,895 2,788 31,817 3,373 951 17,528 473
Ohio 905,364 80,318 183,090 43,799 25,497 97,774 2,305
Oklahoma 350,657 19,923 91,415 13,353 3,794 28,056 88
Oregon 406,166 45,364 116,146 11,938 5,590 28,491 262
Pennsylvania 1,138,753 101,141 296,698 57,361 21,940 101,040 19,677
Rhode Island 115,486 40,133 30,075 5,465 1,960 9,611 0
South Carolina 533,861 52,050 107,829 12,474 5,121 34,918 5,105
South Dakota 99,047 1,971 32,700 3,658 933 10,854 254
Tennessee 673,936 93,460 139,191 22,414 10,211 46,394 218
Texas 3,292,897 418,910 907,329 96,476 57,699 200,539 35,410
Utah 284,216 22,613 78,802 10,462 4,021 16,743 213
Vermont 69,559 4,139 9,735 2,542 768 6,566 40
Virginia 733,845 134,942 237,173 38,906 14,175 46,773 483
Washington 879,790 191,007 177,463 24,127 9,598 45,588 792
West Virginia 101,588 4,883 48,755 4,216 889 12,109 229
Wisconsin 470,785 57,557 79,568 26,117 10,405 62,385 1,012
Wyoming 71,788 1,313 58,151 1,769 539 11,672 0
United States $32,998,422 $4,786,003 $8,336,276 $1,448,985 $556,688 $2,323,239 $362,677
(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, 2022 (1) (Cont'd)
($000)
State Aircraft Earthquake Federal flood Credit Warranty Accident and health
Alabama $29,225 $10,516 $27,066 $43,696 $16,442 $110,832
Alaska 70,292 55,277 745 3,107 567 12,003
Arizona 76,087 19,644 13,528 22,239 35,960 133,079
Arkansas 36,559 50,713 8,559 21,562 10,507 61,325
California 261,210 2,959,348 121,951 195,426 275,137 791,834
Colorado 84,036 17,161 11,024 33,478 41,224 107,368
Connecticut 35,749 13,895 34,370 34,632 11,930 67,986
Delaware 24,141 1,912 13,705 14,458 31,323 122,758
D.C. 5,718 5,514 1,020 22,183 64 96,394
Florida 230,097 46,594 897,334 166,469 844,476 334,115
Georgia 87,748 22,143 40,589 62,331 56,013 211,360
Hawaii 13,224 25,630 33,046 8,889 2,887 10,951
Idaho 23,884 10,239 3,321 5,761 3,664 30,574
Illinois 105,862 114,174 20,580 94,591 337,908 389,756
Indiana 40,460 54,399 11,724 40,561 46,913 421,279
Iowa 20,390 7,435 8,740 21,374 4,377 83,569
Kansas 34,114 10,405 5,123 24,451 212,842 71,280
Kentucky 13,595 56,610 11,773 41,057 10,177 81,372
Louisiana 50,863 7,723 259,323 33,050 6,897 87,627
Maine 7,733 2,782 6,198 8,022 6,131 15,420
Maryland 35,370 16,951 23,486 20,628 20,434 83,874
Massachusetts 47,821 42,252 51,149 55,045 43,734 131,025
Michigan 47,616 11,282 11,931 53,533 578,421 183,822
Minnesota 49,769 6,128 5,214 26,419 21,885 83,935
Mississippi 20,504 28,094 37,393 25,268 4,981 63,347
Missouri 30,850 137,690 15,052 40,048 33,504 165,350
Montana 23,162 9,447 2,383 1,682 807 23,965
Nebraska 23,809 2,996 5,196 7,690 4,241 94,320
Nevada 45,377 61,116 5,770 5,703 2,751 33,524
New Hampshire 13,624 2,759 6,157 14,436 5,089 23,966
New Jersey 32,671 46,115 153,603 96,205 46,285 200,655
New Mexico 13,851 4,857 6,555 8,336 5,753 33,761
New York 80,691 94,656 148,751 258,396 73,602 676,182
North Carolina 70,421 23,483 76,501 48,136 52,512 180,253
North Dakota 13,982 925 4,299 1,964 1,114 10,855
Ohio 100,574 40,693 19,504 76,770 83,451 245,954
Oklahoma 30,067 18,979 6,552 25,304 11,241 65,908
Oregon 48,997 162,088 14,516 10,749 7,775 74,220
Pennsylvania 60,111 27,387 44,643 67,977 63,214 341,054
Rhode Island 10,812 3,521 9,810 7,332 3,587 50,258
South Carolina 25,192 61,840 93,409 26,486 13,016 82,618
South Dakota 14,383 928 2,065 7,278 2,856 15,219
Tennessee 56,192 128,858 19,078 50,062 17,850 168,752
Texas 290,932 58,502 387,537 622,495 253,578 568,114
Utah 41,279 117,289 1,823 21,896 73,641 47,648
Vermont 3,149 1,926 3,609 3,077 8,022 19,402
Virginia 62,580 27,889 48,801 54,878 27,407 139,674
Washington 55,876 365,264 20,893 33,491 130,458 88,900
West Virginia 4,771 1,691 10,501 8,481 4,701 35,564
Wisconsin 34,136 9,754 7,545 27,054 52,293 136,913
Wyoming 11,564 6,402 1,061 2,642 922 18,402
United States $2,651,122 $5,013,872 $2,774,506 $2,606,801 $3,604,564 $7,328,317
(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, 2022 (1) (Cont'd)
($000)
State Multiple peril crop Private crop Mortgage guaranty Miscellaneous Private flood
Alabama $111,401 $1,085 $35,355 $66,127 $14,593
Alaska 142 0 2,076 17,569 2,960
Arizona 128,753 4,211 12,995 148,499 18,821
Arkansas 253,651 34,283 10,606 37,475 5,075
California 632,398 13,723 126,467 504,379 113,701
Colorado 362,345 19,207 44,026 138,799 17,652
Connecticut 9,542 1 7,058 74,484 19,859
Delaware 16,110 173 2,243 22,047 4,380
D.C. 0 0 25,563 21,512 4,085
Florida 205,035 613 264,038 447,263 247,186
Georgia 311,265 3,800 41,881 202,974 22,980
Hawaii 1,980 0 2,577 18,961 12,884
Idaho 151,327 15,446 3,148 36,159 3,430
Illinois 1,247,206 155,739 42,115 246,120 34,609
Indiana 643,109 41,972 17,317 113,265 17,978
Iowa 1,516,334 145,836 8,145 51,780 6,325
Kansas 1,341,995 73,488 8,713 45,630 5,344
Kentucky 260,357 9,031 5,377 48,416 10,505
Louisiana 154,388 5,503 24,693 63,413 28,920
Maine 12,289 0 1,411 18,812 2,778
Maryland 48,514 153 24,234 158,205 13,322
Massachusetts 4,949 0 42,989 114,437 32,668
Michigan 318,282 8,776 42,525 177,187 14,813
Minnesota 1,152,008 160,166 39,777 148,591 8,430
Mississippi 210,038 5,018 27,728 27,393 9,500
Missouri 640,782 44,612 48,034 94,220 12,187
Montana 345,575 636 1,966 15,980 3,208
Nebraska 1,043,545 392,139 8,922 33,681 4,398
Nevada 68,423 4,899 4,347 76,881 8,001
New Hampshire 747 0 3,714 28,570 3,421
New Jersey 7,721 0 32,298 165,972 74,996
New Mexico 117,058 2,542 7,563 30,096 4,881
New York 96,110 428 166,050 201,785 94,008
North Carolina 356,007 5,069 29,795 178,762 28,059
North Dakota 1,535,938 119,809 840 16,103 1,362
Ohio 470,604 19,141 50,518 177,057 25,336
Oklahoma 422,180 7,218 15,227 52,163 7,159
Oregon 105,186 4,418 7,833 83,863 11,502
Pennsylvania 81,648 897 32,659 195,043 39,182
Rhode Island 131 0 2,519 17,164 6,364
South Carolina 127,124 329 10,425 91,463 28,939
South Dakota 1,213,755 88,074 2,143 13,636 1,268
Tennessee 145,913 3,874 16,807 105,447 18,337
Texas 2,122,501 35,544 116,253 517,355 131,336
Utah 31,766 435 11,100 73,757 4,533
Vermont 6,290 0 269 11,609 1,917
Virginia 105,090 1,455 35,060 165,351 20,648
Washington 301,570 18,790 22,892 167,055 19,016
West Virginia 4,174 9 2,876 16,849 6,522
Wisconsin 456,518 21,256 12,144 104,495 10,099
Wyoming 30,944 1,874 280 9,455 1,642
United States $18,930,718 $1,471,672 $1,505,592 $5,593,310 $1,241,121
(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
 
  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)
 
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

Top 10 Highest And Lowest States By Estimated Percentage Of Uninsured Motorists, 2022 (1)
 
  Highest   Lowest
Rank (2) State Percent uninsured Rank (2) State Percent uninsured
1 D.C. 25.2% 1 Wyoming 5.9%
2 New Mexico 24.9 2 Maine 6.2
3 Mississippi 22.2 3 Idaho 6.2
4 Tennessee 20.9 4 Utah 7.3
5 Michigan 19.6 5 New Hampshire 7.8
6 Kentucky 18.7 6 Nebraska 7.8
7 Georgia 18.1 7 North Dakota 7.9
8 Delaware 18.1 8 Kansas 8.0
9 Colorado 17.5 9 South Dakota 8.0
10 Ohio 17.1 10 Minnesota 8.7
(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claim frequencies. (2) Rank calculated from unrounded data. Source: Insurance Research Council.
Estimated Percentage of Uninsured Motorists by State, 2017-2022 (1)
 
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
(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

INSURANCE PROVIDED BY FAIR PLANS BY STATE, FISCAL YEAR 2022 (1)
 
  Number of policies    
State Habitational Commercial Total Exposure (2) ($000) Direct premiums written ($000)
California 254,478 6,943 261,421 $209,808,071 $649,649
Connecticut  1,159 40 1,199 243,164 $1,731
Delaware 1,078 55 1,133 203,941 462
D.C. 107 10 117 43,954 132
Florida (3) 1,214,351 6,546 1,220,897 422,953,352 3,190,080
Georgia 9,217 326 9,543 1,424,777 12,433
Illinois 2,441 68 2,509 260,925 3,166
Indiana 660 39 699 1,918 1,718
Iowa 794 13 807 54,481 691
Kansas 12,138 166 12,304 794,447 7,132
Kentucky 4,989 221 5,210 229,641 2,681
Louisiana (3) 146,056 8,451 154,507 40,935,450 424,637
Maryland 689 41 730 280,471 583
Massachusetts 197,010 167 197,177 90,572,584 313,923
Michigan 15,270 234 15,504 2,246,608 10,351
Minnesota 3,764 55 3,819 311,237 3,007
Mississippi (4) 2,891 N/A 2,891 170,503 2,085
Missouri 1,954 87 2,041 166,419 1,757
New Jersey 7,593 199 7,792 1,133,706 5,239
New Mexico 7,409 253 7,662 790,570 4,497
New York 20,814 2,383 23,197 6,892,000 26,755
North Carolina 211,662 6,844 218,506 33,404,590 153,287
Ohio 10,930 248 11,178 3,502,565 11,096
Oregon 1,722 69 1,791 355,032 1,359
Pennsylvania 9,462 849 10,311 1,080,321 4,316
Rhode Island 12,859 90 12,949 4,090,489 23,330
Texas (4) 66,488 N/A 66,488 11,301,744 76,881
Virginia 22,118 422 22,540 3,509,847 15,818
Washington 116 82 198 70,150 442
West Virginia 276 44 320 25,984 224
Wisconsin 3,822 114 3,936 471,781 2,353
Total 2,244,317 35,059 2,279,376 $837,330,722 $4,951,815
(1) Excludes the FAIR Plans of Arkansas and Hawaii. (2) Exposure is the estimate of the aggregate value of all insurance in force in all FAIR Plans in all lines (except liability, where applicable, and crime) for 12 months ending September through December. (3) Citizens Property Insurance Corporation, which combined the FAIR and Beach Plans. (4) The Mississippi and Texas FAIR Plans do not offer a commercial policy. Source: Property Insurance Plans Service Office (PIPSO).

Costs/Expenditures

Average Premiums for Homeowners and Renters Insurance by State, 2021 (1)
 
  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

Convective storms: Tornadoes, Hail and Lightning

Top 10 States, By Number Of Tornadoes, 2023 (1)
Rank State Number of tornadoes (2) Fatalities
1 Illinois 136 4
2 Alabama 101 9
3 Colorado 89 0
3 Texas 89 8
5 Mississippi 81 24
5 Nebraska 81 0
7 Iowa 73 0
8 Georgia 58 1
9 Ohio 56 0
10 Tennessee 53 17
(1) Numbers include preliminary estimates as of January 2024. (2) Excludes Puerto Rico. Tornadoes that cross state lines are counted in every state in which they touch down. Source: U.S. Department of Commerce, Storm Prediction Center, National Weather Service.
Tornadoes And Related Deaths By State, 2023 (1)
 
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.

Man-made Catastrophes By Peril

Fires

Top Catastrophic Multiple-Death Fires and Explosions, 2022 (1)
 
Rank (2) Month State Type of facility Deaths
1 January New York 120-unit apartment building 17
2 January Pennsylvania 2-unit rowhouse 12
3 August Pennsylvania Single-family home 10
4 July Arkansas Single-family home 6
4 December New York Single-family home 6
4 December Ohio Single-family home 6
4 December Tennessee Single-family home 6
5 February Pennsylvania Single-family home 5
5 February Texas Single-family home 5
5 March Illinois Single-family farmhouse 5
5 April Pennsylvania Single-family home 5
5 May Pennsylvania Single-family home 5
5 June Michigan Single-family home 5
5 September Pennsylvania Single-family farmhouse 5
6 July California Wildland 4
6 July New Mexico Wildland 4
6 December Florida Warehouse 4
(1) Fires or explosions that kill five or more people in residential property, or three or more people in nonhome or nonstructural property. (2) Fires with the same number of deaths receive the same rank. Source: National Fire Protection Association. www.nfpa.org.

Crime

Cybercrime and Identity Theft

Top 10 States by Number of Cybercrime Victims and by Losses, 2023 (1)
 
Rank State Number Rank State Losses ($ millions)
1 California 77,271 1 California $2,159.5
2 Texas 47,305 2 Texas 1,021.6
3 Florida 41,061 3 Florida 874.7
4 New York 26,948 4 New York 750.0
5 Ohio 17,864 5 New Jersey 441.2
6 Arizona 16,584 6 Pennsylvania 360.3
7 Pennsylvania 16,407 7 Illinois 335.8
8 Illinois 15,783 8 Arizona 324.4
9 Michigan 14,784 9 Georgia 301.0
10 Washington 14,600 10 Washington 288.7
(1) Based on the total number of complaints submitted to the Internet Crime Complaint Center via its website from each state where the complainant provided state information. Source: Internet Crime Complaint Center.
Identity Theft By State, 2023
 
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
  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

Top 10 States With The Most Number Of Motor Vehicle Thefts, 2021-2022
 
Rank State 2022 (1) 2021 Percent change 2021-2022
1 California 202,685 201,034 1%
2 Texas 105,015 95,082 10
3 Washington 46,939 35,921 31
4 Florida 45,973 43,250 6
5 Colorado 42,237 38,570 10
6 Illinois 38,649 28,677 35
7 Ohio 29,913 28,107 6
8 Missouri 29,345 26,630 10
9 New York 28,292 23,088 23
10 Georgia 26,529 26,238 1
(1) Law Enforcement Agencies may still be reporting thefts for 2022, and these numbers may change. Source:  National Insurance Crime Bureau.
Motor Vehicle Thefts By State, 2021 (1)
 
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.

Recreation

Top 10 States By Recreational Watercraft Accidents, 2022 (1)
 
Rank State Accidents Deaths People injured Property damage ($000)
1 Florida 712 66 448 $10,299,491 
2 California 387 43 198 5,977,908 
3 Texas 201 34 132 2,726,097 
4 New York 154 24 67 2,270,499 
5 South Carolina 152 22 91 1,585,350 
6 North Carolina 143 20 64 3,094,512 
7 Maryland 126 11 74 2,900,315 
8 Arizona 124 13 60 1,188,132 
9 Ohio 119 17 48 2,690,970 
10 Tennessee 116 27 52 2,229,873 
(1) Includes accidents involving $2,000 or more in property damage. Includes watercraft such as motorboats and sailboats and other vessels such as Jet Skis. Source: U.S. Department of Homeland Security, U.S. Coast Guard.

Causes of Death

Top 10 States By Drug Poisoning Deaths And Death Rates, 2021 (1)
 
  By number of deaths   By deaths per 100,000 people
Rank State Number of  of deaths Deaths per 100,000 people (2) Rank State Number of  of deaths Deaths per 100,000 people
1 California 10,901 26.6 1 West Virginia 1,501 90.9
2 Florida 7,827 37.5 2 District of Columbia 3,813 56.6
3 New York 5,842 28.7 3 Kentucky 2,463 55.9
4 Pennsylvania 5,449 43.2 4 Delaware 2,381 55.6
5 Ohio 5,397 48.1 5 Ohio 513 54.0
6 Texas 4,984 16.8 6 Tennessee 1,052 51.6
7 North Carolina 3,981 39.2 7 Maryland 5,397 48.1
8 Tennessee 3,813 56.6 8 Louisana 611 47.1
9 Illinois 3,762 29.0 9 Pennsylvania 5,449 43.2
10 Michigan 3,089 31.5 10 Maine 2,811 43.0
(1) Drug overdose caused by prescription and illegal drugs. Source: Centers for Disease Control and Prevention, National Center for Health Services.