Average Expenditures For Auto Insurance By State, 2012-2016

 

  2016 2015   Average expenditure
State Liability Collision Compre- hensive Average expenditure Rank (1) Average expenditure Rank (1) Average expenditure percent change, 2015-2016 2014 2013 2012
Alabama  $423.98 $337.50 $163.16 $769.20 36 $722.89 37 6.4% $695.06 $673.51 $659.06
Alaska  525.35 356.45 138.67 859.15 23 872.39 17 -1.5 883.60 889.29 873.15
Arizona  539.68 290.88 191.86 890.74 20 843.89 21 5.6 837.24 811.45 781.71
Arkansas  413.17 340.33 196.58 771.55 35 736.43 36 4.8 728.65 703.04 679.46
California  520.81 423.75 99.73 892.55 19 841.45 22 6.1 807.58 782.57 752.78
Colorado  570.10 307.27 194.65 935.39 15 857.52 18 9.1 821.19 777.95 737.95
Connecticut  678.41 383.38 131.25 1,086.17 10 1,048.56 10 3.6 1,031.70 1,011.28 986.73
Delaware  800.20 330.90 128.01 1,159.86 8 1,145.66 8 1.2 1,125.74 1,101.12 1,065.37
D.C. 674.79 477.17 228.59 1,246.80 6 1,202.16 5 3.7 1,191.47 1,187.54 1,154.91
Florida  903.30 312.33 123.10 1,259.55 5 1,185.31 6 6.3 1,140.85 1,143.98 1,128.54
Georgia  612.41 351.95 164.71 966.00 14 896.50 14 7.8 839.94 800.58 768.34
Hawaii 459.78 327.79 103.02 781.90 33 762.75 31 2.5 751.61 739.26 735.17
Idaho  358.45 229.83 122.90 599.77 51 573.83 51 4.5 571.74 553.38 534.56
Illinois  467.99 322.33 131.89 836.67 27 803.64 26 4.1 775.24 744.75 731.31
Indiana  399.15 264.22 126.48 692.29 43 666.74 43 3.8 642.27 621.77 637.46
Iowa  311.99 231.81 193.99 628.10 50 599.03 50 4.9 585.71 572.14 561.26
Kansas  366.67 269.98 246.23 713.50 39 698.45 39 2.2 688.82 660.29 632.07
Kentucky  548.90 280.74 147.32 838.89 26 801.97 27 4.6 783.06 772.80 759.70
Louisiana  835.28 438.37 222.45 1,302.11 2 1,231.77 3 5.7 1,192.92 1,146.29 1,112.53
Maine  354.95 273.79 105.29 650.38 47 617.73 48 5.3 606.90 592.82 582.71
Maryland 646.54 375.51 158.50 1,076.56 11 1,016.73 11 5.9 1,001.16 979.15 966.29
Massachusetts  623.01 408.17 139.30 1,096.53 9 1,058.50 9 3.6 1,035.52 1,007.98 976.65
Michigan 812.16 436.72 158.69 1,270.70 4 1,231.39 4 3.2 1,227.36 1,131.46 1,048.87
Minnesota  466.75 244.98 188.95 808.00 29 787.74 28 2.6 772.51 744.53 718.61
Mississippi 471.70 344.01 220.01 858.64 24 827.31 24 3.8 796.99 768.20 748.44
Missouri  444.65 291.35 189.68 791.03 31 745.04 34 6.2 724.15 704.22 683.82
Montana  388.16 270.43 232.81 706.88 41 692.48 40 2.1 694.67 677.83 658.42
Nebraska  381.80 248.74 234.45 708.36 40 681.54 41 3.9 658.79 638.67 616.78
Nevada  713.15 318.36 116.39 1,026.22 12 990.17 12 3.6 969.66 935.90 905.82
New Hampshire  410.61 319.85 114.86 801.52 30 775.03 30 3.4 751.28 733.02 717.15
New Jersey  902.97  390.94 131.04 1,309.29 1 1,265.58 1 3.5 1,263.69 1,254.39 1,220.00
New Mexico  495.33 290.17 178.38 780.79 34 762.37 32 2.4 749.43 722.66 695.09
New York  840.00 414.27 178.10 1,301.64 3 1,234.87 2 5.4 1,208.89 1,181.91 1,151.78
North Carolina  370.54 321.05 145.12 699.91 42 655.37 46 6.8 643.84 624.76 611.18
North Dakota  296.56 248.18 228.79 639.10 49 637.54 47 0.2 630.24 606.56 576.08
Ohio  407.68 284.94 124.30 726.95 38 702.63 38 3.5 682.71 659.37 634.91
Oklahoma  476.10 331.07 233.14 850.62 25 825.92 25 3.0 807.81 768.25 740.11
Oregon  622.14 238.91 96.94 877.09 21 828.03 23 5.9 818.84 783.46 741.51
Pennsylvania  515.38 346.32 155.47 918.11 18 878.20 16 4.5 858.10 841.42 827.75
Rhode Island  790.13 438.86 135.57 1,193.58 7 1,146.97 7 4.1 1,106.09 1,066.27 1,034.52
South Carolina  571.62 284.41 190.67 922.66 17 853.53 20 8.1 824.59 794.40 772.14
South Dakota  310.82 219.21 277.34 648.01 48 615.78 49 5.2 601.33 579.37 556.51
Tennessee  423.47 322.28 153.22 759.99 37 737.28 35 3.1 724.80 704.20 673.90
Texas  575.17 403.29 215.84 1,008.91 13 934.22 13 8.0 905.64 864.24 823.80
Utah  523.73 276.41 113.49 824.46 28 784.10 29 5.1 766.27 733.51 713.20
Vermont  344.81 310.77 134.78 691.56 44 680.18 42 1.7 665.17 655.66 643.47
Virginia  446.10 295.50 142.30 785.82 32 750.81 33 4.7 743.15 718.73 691.80
Washington  621.27 281.24 108.87 924.47 16 884.23 15 4.6 871.82 838.30 809.56
West Virginia  493.72 339.00 208.95 870.23 22 855.25 19 1.8 870.84 858.85 846.74
Wisconsin  385.51 238.26 143.62 688.32 45 664.81 44 3.5 646.47 621.07 598.84
Wyoming  329.06 284.65 263.98 677.53 46 656.64 45 3.2 668.81 639.51 623.70
United States $566.51 $342.40 $153.32 $935.80   $889.09   5.3% $865.46 $838.61 $812.40
(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: © 2018 National Association of Insurance Commissioners (NAIC).