Average Expenditures For Auto Insurance By State, 2015-2019

 

  2019 2018   Average expenditure
State Liability Collision Compre- hensive Average expenditure Rank (1) Average expenditure Rank (1) Average expenditure percent change 2018-2019 2017 2016 2015
Alabama  $527.20 $390.19 $180.11 $932.14 29 $906.36 31 2.8% $857.56 $791.39 $739.93
Alaska  584.90 401.87 155.11 991.09 21 965.45 23 2.7 931.43 911.37 915.59
Arizona  662.55 327.86 208.38 1,063.93 18 1,049.00 17 1.4 997.60 926.76 877.11
Arkansas  484.37 372.65 240.54 897.92 32 899.11 32 -0.1 849.37 781.00 742.44
California  627.77 495.18 96.53 1,051.79 19 1,033.97 19 1.7 965.05 898.84 840.66
Colorado  704.82 332.26 298.01 1,174.87 14 1,133.14 15 3.7 1,052.61 945.59 869.84
Connecticut  799.45 412.78 134.01 1,237.55 11 1,217.25 11 1.7 1,168.79 1,108.67 1,074.96
Delaware  897.87 354.76 136.31 1,289.93 9 1,291.51 8 -0.1 1,224.85 1,173.97 1,146.45
D.C. 819.36 539.48 221.94 1,440.58 4 1,429.36 3 0.8 1,336.73 1,258.46 1,206.03
Florida  997.20 355.69 153.00 1,414.17 5 1,427.23 4 -0.9 1,353.35 1,262.25 1,190.50
Georgia  829.86 420.60 180.37 1,259.49 10 1,218.18 10 3.4 1,134.33 1,006.28 929.72
Hawaii 478.83 370.53 106.29 839.87 37 829.16 37 1.3 804.05 780.42 761.06
Idaho  433.66 270.36 142.89 738.10 48 722.14 47 2.2 679.28 633.40 599.02
Illinois  521.11 351.27 144.65 939.64 26 918.82 27 2.3 899.62 852.81 811.40
Indiana  444.98 288.97 138.86 777.05 43 771.23 43 0.8 747.98 705.52 671.16
Iowa  350.31 250.96 221.72 714.86 49 700.70 49 2.0 674.93 635.99 608.94
Kansas  426.14 285.92 286.48 818.99 39 806.67 39 1.5 768.50 719.73 708.98
Kentucky  609.98 307.91 168.11 935.61 27 951.86 24 -1.7 910.99 840.04 801.75
Louisiana  1,023.91 485.01 252.34 1,557.22 1 1,549.98 1 0.5 1,449.48 1,328.80 1,254.37
Maine  375.40 297.60 115.26 696.37 51 687.47 50 1.3 668.07 646.64 619.16
Maryland 749.18 430.21 168.01 1,236.61 12 1,211.87 12 2.0 1,150.74 1,081.81 1,020.68
Massachusetts  664.92 447.05 149.86 1,182.69 13 1,167.16 13 1.3 1,136.60 1,096.53 1,058.50
Michigan 979.47 478.54 162.01 1,495.94 2 1,471.65 2 1.7 1,361.65 1,304.11 1,268.10
Minnesota  502.32 274.20 214.55 892.17 33 872.82 33 2.2 841.11 809.56 791.72
Mississippi 544.43 364.63 238.95 975.58 23 973.86 22 0.2 933.01 879.13 840.48
Missouri  527.59 318.44 223.94 929.91 30 916.77 29 1.4 872.16 807.52 758.33
Montana  437.69 286.02 313.27 834.86 38 825.90 38 1.1 784.76 730.99 704.70
Nebraska  431.71 272.97 269.19 807.30 40 796.89 41 1.3 768.22 722.68 693.87
Nevada  925.71 374.59 119.19 1,292.52 8 1,262.25 9 2.4 1,143.54 1,062.42 1,012.70
New Hampshire  442.52 334.15 120.48 864.35 34 848.17 36 1.9 824.77 801.96 775.17
New Jersey  958.31 422.29 129.97 1,395.53 6 1,385.53 6 0.7 1,351.08 1,306.73 1,274.30
New Mexico  584.25 315.88 222.43 932.67 28 915.74 30 1.8 871.03 819.68 794.54
New York  932.46 469.82 172.85 1,445.30 3 1,425.39 5 1.4 1,350.50 1,303.15 1,245.32
North Carolina  392.06 344.07 138.40 741.70 47 727.09 46 2.0 693.13 666.37 639.01
North Dakota  312.30 284.09 264.98 703.73 50 686.09 51 2.6 662.31 639.13 637.24
Ohio  447.86 303.55 131.37 802.72 41 802.21 40 0.1 784.51 743.12 714.47
Oklahoma  504.79 338.87 270.19 908.95 31 918.03 28 -1.0 898.48 854.78 826.43
Oregon  684.81 281.69 109.76 990.00 22 990.30 21 0.0 962.41 889.03 831.80
Pennsylvania  548.58 383.01 171.18 992.33 20 996.64 20 -0.4 966.22 915.96 881.13
Rhode Island  918.30 491.19 141.03 1,382.64 7 1,348.83 7 2.5 1,300.64 1,230.90 1,170.98
South Carolina  715.26 317.95 211.29 1,114.90 16 1,098.57 16 1.5 1,025.22 930.76 870.57
South Dakota  337.11 248.09 347.61 745.33 46 721.76 48 3.3 696.09 652.30 624.52
Tennessee  479.43 353.43 168.07 863.39 35 858.20 34 0.6 823.28 778.80 753.73
Texas  650.17 434.46 285.56 1,143.85 15 1,152.25 14 -0.7 1,096.82 1,008.91 934.22
Utah  615.15 308.40 127.15 954.14 24 941.19 25 1.4 891.08 829.39 792.20
Vermont  374.06 333.38 148.88 785.37 42 777.93 42 1.0 762.54 732.96 700.46
Virginia  491.51 323.76 149.42 861.18 36 855.75 35 0.6 821.42 785.59 756.46
Washington  705.11 325.38 121.13 1,066.84 17 1,035.59 18 3.0 994.88 935.35 890.18
West Virginia  515.20 352.97 225.50 946.03 25 938.78 26 0.8 914.16 897.94 883.34
Wisconsin  421.21 250.73 168.52 767.42 45 756.20 45 1.5 732.20 701.47 670.98
Wyoming  356.08 292.37 335.04 776.22 44 765.83 44 1.4 744.50 714.17 692.05
United States $650.35 $381.43 $171.87 $1,070.47   $1,059.41   1.0% $1,008.52 $945.02 $896.66
(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: © 2022 National Association of Insurance Commissioners (NAIC).