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.