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Current Table

Average Auto Insurance Expenditures As A Percent of Median Household Income, 2021 (1)
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State Index Rank State Index Rank
Louisiana 2.62% 1 Montana 1.30% 27
Florida 2.46 2 California 1.28 28
Mississippi 2.15 3 North Carolina 1.26 29
Georgia 2.06 4 Ohio 1.24 30
New York 2.05 5 Maryland 1.23 31
Michigan 2.03 6 Alaska 1.20 32
Nevada 1.97 7 Washington 1.17 33
West Virginia 1.96 8 Oregon 1.16 34
Rhode Island 1.90 9 Illinois 1.16 35
Delaware 1.83 10 Wyoming 1.11 36
South Carolina 1.82 11 Minnesota 1.11 37
Arkansas 1.74 12 Utah 1.09 38
Texas 1.67 13 Indiana 1.09 39
New Mexico 1.67 14 Wisconsin 1.08 40
Alabama 1.63 15 Virginia 1.08 41
Kentucky 1.62 16 Kansas 1.07 42
District of Columbia 1.58 17 Nebraska 1.05 43
New Jersey 1.54 18 South Dakota 1.04 44
Connecticut 1.54 19 Vermont 1.03 45
Arizona 1.51 20 North Dakota 1.00 46
Oklahoma 1.49 21 Maine 1.00 47
Missouri 1.46 22 Iowa 1.00 48
Tennessee 1.40 23 Hawaii 1.00 49
Colorado 1.40 24 New Hampshire 0.96 50
Massachusetts 1.35 25 Idaho 0.96 51
Pennsylvania 1.33% 26 U.S. Average 1.50%  

(1) Data are for IRC's affordability index based on average auto insurance expenditures published by the National Association of Insurance Commissioners (NAIC) and median household income from the U.S. Census Bureau.

Source: Auto Insurance Affordability: Countrywide Trends and State Comparisons, Insurance Research Council.

 

Archived Tables

Average Auto Insurance Expenditures As A Percent of Median Household Income, 2018 (1)
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Rank State Percent Rank State Percent
1 Louisiana 3.09% 27 Oregon 1.43%
2 Florida 2.61 28 Montana 1.43
3 Michigan 2.43 29 Maryland 1.41
4 Mississippi 2.27 30 Alaska 1.40
5 Georgia 2.17 31 North Carolina 1.38
6 Rhode Island 2.14 32 Massachusetts 1.35
7 New York 2.12 33 Illinois 1.31
8 Nevada 2.04 34 Washington 1.30
9 Delaware 1.99 35 Ohio 1.29
10 Texas 1.93 36 Indiana 1.28
11 New Mexico 1.90 37 Kansas 1.26
12 South Carolina 1.90 38 Idaho 1.23
13 New Jersey 1.87 39 Minnesota 1.22
14 West Virginia 1.86 40 Utah 1.22
15 Arkansas 1.81 41 Wyoming 1.22
16 Alabama 1.81 42 Wisconsin 1.21
17 Kentucky 1.72 43 South Dakota 1.21
18 Arizona 1.68 44 Nebraska 1.18
19 Oklahoma 1.68 45 Maine 1.17
20 DC 1.67 46 Virginia 1.11
21 Connecticut 1.67 47 Vermont 1.11
22 Colorado 1.55 48 Hawaii 1.04
23 Pennsylvania 1.54 49 New Hampshire 1.04
24 Tennessee 1.53 50 North Dakota 1.03
25 Missouri 1.48 51 Iowa 1.02
26 California 1.47   Total U.S. 1.67%

(1) Data are for IRC's affordability index based on average auto insurance expenditures published by the National Association of Insurance Commissioners (NAIC) (see charts here) and median household income from the U.S. Census Bureau.

Source: Auto Insurance Affordability: Countrywide Trends and State Comparisons, Insurance Research Council.