AVERAGE EXPENDITURES FOR AUTO INSURANCE BY STATE, 2008-2012
  2012 2011   Average expenditure
State Liability Collision Compre- hensive Average expend- iture Rank (1) Average expend iture Rank (1) Average expenditure percent change 2011-2012 2010 2009 2008
Alabama $359.88 $287.59 $140.60 $659.06 37 $653.37 37 0.9% $651.22 $652.07 $662.76
Alaska 544.66 365.92 142.96 873.15 13 873.11 13 (2) 890.35 896.74 904.12
Arizona 473.30 245.64 180.97 781.71 18 776.56 18 0.7 804.97 842.21 863.81
Arkansas 371.02 295.68 175.90 679.46 35 665.49 35 2.1 662.44 657.13 651.26
California (3) 442.17 348.63 98.13 749.79 22 740.11 24 1.3 746.77 756.63 780.20
Colorado 449.65 252.40 147.69 737.95 25 723.61 27 2.0 730.42 741 .28 728.67
Connecticut 626.47 334.23 121.35 986.73 9 969.41 9 1.8 965.22 952.36 950.16
Delaware 759.04 286.06 108.49 1,065.37 6 1,048.03 6 1.7 1,030.98 1,021 .42 1,007.32
D.C. 624.34 437.18 227.97 1,154.91 2 1,139.43 2 1.4 1,133.87 1,127.72 1,126.56
Florida 855.87 234.51 105.65 1,127.93 4 1,090.58 5 3.4 1,037.36 1,006.20 1,054.89
Georgia 454.76 316.13 151.16 768.34 20 754.06 19 1.9 748.89 754.61 760.58
Hawaii 453.47 289.26 101.41 735.19 27 748.46 20 -1.8 765.83 786.33 816.21
Idaho 326.00 205.64 107.55 534.56 51 535.11 51 -0.1 548.03 554.80 562.76
Illinois 422.27 273.16 110.56 731.22 28 727.33 25 0.5 733.45 727.82 713.97
Indiana 376.18 233.60 113.30 637.37 40 621.38 41 2.6 624.27 620.31 611.21 
Iowa 290.46 201.45 164.52 561.26 49 551.72 48 1.7 546.59 530.96 518.48
Kansas 329.67 244.10 211.94 632.07 42 625.91 40 1.0 625.17 622.16 622.14
Kentucky 516.40 247.95 124.11 759.70 21 744.53 22 2.0 722.70 698.85 698.93
Louisiana 698.21 372.20 204.69 1,112.53 5 1,110.63 3 0.2 1,121.44 1,100.09 1,104.62
Maine 331.91 241.06 90.66 582.43 47 577.38 47 0.9 582.29 597.87 600.46
Maryland 594.28 319.30 143.13 966.29 11 956.14 10 1.1 947.74 928.92 922.01
Massachusetts 578.75 343.43 125.88 976.65 10 942.12 11 3.7 890.83 860.49 903.27
Michigan 660.93 368.51 142.50 1,048.87 7 983.82 8 6.6 954.75 913.28 905.82
Minnesota 428.63 205.12 166.49 718.61 29 696.00 31 3.2 693.08 692.08 697.09
Mississippi 424.58 291.79 186.58 748.44 23 740.14 23 1.1 745.17 737.77 749.38
Missouri 390.04 253.12 155.98 683.82 34 674.60 34 1.4 678.03 668.29 656.33
Montana 383.76 247.30 190.62 658.42 38 654.56 36 0.6 657.42 655.61 666.69
Nebraska 340.33 218.30 192.56 616.78 44 602.39 44 2.4 592.56 575.26 561.46
Nevada 619.84 289.97 114.48 906.00 12 904.91 12 0.1 930.43 944.16 970.31
New Hampshire 390.55 265.72 96.21 716.84 30 705.88 30 1.6 706.24 717.56 727.15
New Jersey 860.54 356.36 117.64 1,219.93 1 1,184.99 1 2.9 1,157.30 1,100.66 1,081.28
New Mexico 441.11 262.06 163.02 695.09 32 691.74 32 0.5 703.64 717.96 730.27
New York 779.96 345.99 147.33 1,152.45 3 1,109.94 4 3.8 1,078.88 1,057.82 1,044.04
North Carolina 356.81 248.84 115.08 611.48 45 600.04 46 1.9 599.90 609.80 595.48
North Dakota 272.71 216.62 225.42 576.08 48 549.73 49 4.8 528.81 509.72 503.18
Ohio 326.96 243.00 107.30 634.89 41 619.73 43 2.4 619.45 616.33 616.51
Oklahoma 426.30 289.80 185.01 737.02 26 716.21 28 2.9 703.03 677.71 662.64
Oregon 527.64 203.52 86.92 741.51 24 723.72 26 2.5 724.47 722.85 726.64
Pennsylvania 495.05 296.19 124.06 827.61 16 812.77 16 1.8 812.15 811.15 816.65
Rhode Island 702.48 357.12 116.41 1,034.50 8 1,004.13 7 3.0 984.95 969.02 985.89
South Carolina 485.27 239.32 156.18 772.09 19 748.26 21 3.2 737.77 737.74 749.30
South Dakota 281.04 195.84 214.07 556.51 50 538.49 50 3.3 525.16 512.47 512.12
Tennessee 387.40 280.82 126.31 673.90 36 649.98 38 3.7 641.17 634.24 639.00
Texas 485.05 345.29 189.72 858.54 14 842.58 14 1.9 848.11 860.42 853.55
Utah 454.35 247.80 103.18 713.20 31 712.74 29 0.1 716.97 717.28 708.70
Vermont 339.97 269.36 111.99 642.39 39 633.51 39 1.4 630.11 645.79 653.47
Virginia 401.50 254.02 125.87 691.80 33 679.60 33 1.8 673.72 667.51 662.72
Washington 547.11 241.32 102.61 809.56 17 806.02 17 0.4 815.29 826.59 839.23
West Virginia 503.05 313.43 189.20 846.74 15 834.04 15 1.5 830.10 815.00 807.49
Wisconsin 346.74 200.37 119.69 598.84 46 600.23 45 -0.2 613.41 590.54 581.42
Wyoming 298.94 285.60 234.27 618.81 43 619.88 42 -0.2 621.15 624.10 632.92
United States $503.88 $289.66 $134.04 $814.99   $797.61   2.2% $791.93 $786.71 $790.66
(1) Ranked highest to lowest by average expenditure. (2) Less than 0.1 percent. (3) Preliminary. 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: © 2014 National Association of Insurance Commissioners (NAIC).