Average Expenditures For Auto Insurance By State, 2009-2013
  2013 2012   Average expenditure
State Liability Collision Compre- hensive Average expendi- ture Rank (1) Average expenditure Rank (1) Average expenditure percent change 2012-2013 2011 2010 2009
Alabama $372.44 $292.40 $146.91 $673.51 38 $659.06 37 2.2% $653.37 $651.22 $652.07
Alaska 555.04 361.42 141.68 889.28 14 873.15 13 1.8 873.11 890.35 896.74
Arizona 490.78 254.85 180.88 811.45 18 781.71 18 3.8 776.56 804.97 842.21
Arkansas 380.78 301.90 185.45 703.04 36 679.46 35 3.5 665.49 662.44 657.13
California 464.53 361.24 97.67 782.63 22 747.82 23 4.7 740.50 746.15 756.16
Colorado 473.55 255.36 158.40 777.74 23 737.95 26 5.4 723.61 730.42 741.28
Connecticut 635.62 347.07 126.34 1,011.27 9 986.73 9 2.5 969.41 965.22 952.36
Delaware 783.30 291.67 112.21 1,101.12 7 1,065.37 6 3.4 1,048.03 1,030.98 1,021.42
D.C. 634.70 451.59 230.19 1,187.49 2 1,154.91 2 2.8 1,139.43 1,133.87 1,127.72
Florida 860.43 242.48 106.83 1,143.83 5 1,128.31 4 1.4 1,090.58 1,037.36 1,006.20
Georgia 485.40 313.28 150.65 800.58 19 768.34 20 4.2 754.06 748.89 754.61
Hawaii 457.09 291.89 95.18 739.26 29 735.18 27 0.6 748.45 765.83 786.33
Idaho 339.50 203.02 108.06 553.38 51 534.56 51 3.5 535.11 548.03 554.80
Illinois 424.92 278.01 116.34 744.75 27 731.57 28 1.8 727.33 733.45 727.82
Indiana 362.97 229.17 112.35 621.71 45 637.37 40 -2.5 621.38 624.27 620.31
Iowa 291.24 205.15 171.71 572.14 50 561.26 49 1.9 551.72 546.59 530.96
Kansas 342.20 247.31 238.75 668.93 39 632.07 42 5.8 625.92 625.17 622.16
Kentucky 522.34 254.45 128.20 772.80 24 759.70 21 1.7 744.53 722.70 698.85
Louisiana 723.93 380.26 203.52 1,146.29 4 1,112.53 5 3.0 1,110.63 1,121.44 1,100.09
Maine 333.69 245.85 95.40 592.82 48 582.71 47 1.7 577.38 582.29 597.87
Maryland 596.17 327.89 147.29 979.28 11 966.29 11 1.3 956.14 947.74 928.92
Massachusetts 589.38 361.12 129.97 1,007.98 10 976.65 10 3.2 942.12 890.83 860.49
Michigan 742.31 377.45 144.45 1,131.40 6 1,048.87 7 7.9 983.62 954.75 913.28
Minnesota 441.79 210.01 171.80 744.51 28 718.61 29 3.6 696.00 693.08 692.08
Mississippi 434.88 299.27 190.98 768.20 26 748.44 22 2.6 740.14 745.17 737.77
Missouri 399.08 257.09 163.62 704.22 34 683.82 34 3.0 674.60 678.03 668.29
Montana 389.29 256.63 198.81 678.58 37 658.42 38 3.1 654.56 657.42 655.61
Nebraska 347.57 220.73 205.38 638.74 43 616.78 44 3.6 602.39 592.56 575.26
Nevada 648.19 284.79 114.77 935.90 12 905.82 12 3.3 904.91 930.43 944.16
New Hampshire 391.92 279.36 102.02 733.02 31 717.15 30 2.2 705.88 706.24 717.56
New Jersey 882.10 363.80 122.37 1,254.10 1 1,219.97 1 2.8 1,186.24 1,157.30 1,100.66
New Mexico 464.51 261.94 162.39 722.66 32 695.09 32 4.0 691.74 703.64 717.96
New York 791.14 354.69 155.65 1,181.86 3 1,153.46 3 2.5 1,111.27 1,078.88 1,057.82
North Carolina 355.19 263.06 120.72 624.76 44 611.18 45 2.2 600.04 599.90 609.80
North Dakota 284.03 228.38 226.05 604.58 47 576.08 48 4.9 549.73 528.81 509.72
Ohio 374.53 251.13 113.02 659.37 40 634.91 41 3.9 619.73 619.45 616.33
Oklahoma 443.88 290.08 197.45 768.25 25 740.11 25 3.8 716.21 703.03 677.71
Oregon 562.95 206.78 86.53 783.46 21 741.51 24 5.7 723.72 724.47 722.85
Pennsylvania 497.28 301.49 131.71 841.42 16 827.75 16 1.7 812.79 812.15 811.15
Rhode Island 719.53 372.15 118.86 1,066.25 8 1,034.51 8 3.1 1,004.12 984.95 969.02
South Carolina 495.96 242.85 165.41 794.40 20 772.14 19 2.9 748.26 737.77 737.74
South Dakota 290.24 200.83 227.50 580.99 49 556.51 50 4.4 538.49 525.16 512.47
Tennessee 400.64 292.01 136.73 704.20 35 673.90 36 4.5 649.98 641.17 634.24
Texas 502.67 357.37 198.56 895.44 13 858.54 14 4.3 842.58 848.11 860.42
Utah 465.64 248.39 106.91 733.55 30 713.20 31 2.9 712.74 716.97 717.28
Vermont 343.85 272.27 118.70 655.66 41 643.47 39 1.9 633.51 630.11 645.79
Virginia 415.86 263.54 130.00 718.72 33 691.80 33 3.9 679.60 673.72 667.51
Washington 569.42 243.50 101.12 838.30 17 809.56 17 3.6 806.02 815.29 826.59
West Virginia 506.60 319.49 195.28 858.85 15 846.74 15 1.4 834.04 830.10 815.00
Wisconsin 354.56 207.71 127.49 621.05 46 598.84 46 3.7 600.23 613.41 590.54
Wyoming 323.34 260.15 220.96 639.71 42 623.70 43 2.6 619.88 621.15 624.10
United States $518.49 $296.99 $138.82 $841.23   $814.63   3.3% $797.73 $791.85 $786.65
(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: © 2016 National Association of Insurance Commissioners (NAIC).