Average Expenditures For Auto Insurance By State, 2014-2018

 

  2018 2017   Average expenditure
State Liability Collision Compre- hensive Average expenditure Rank (1) Average expenditure Rank (1) Average expenditure percent change, 2017-2018 2016 2015 2014
Alabama  $511.13 $380.51 $175.28 $904.56 31 $857.56 31 5.5% $791.39 $739.93 $710.66
Alaska  576.09 387.12 147.87 965.44 23 931.43 22 3.7 911.37 915.59 924.71
Arizona  646.75 326.28 208.25 1,046.40 17 995.62 17 5.1 926.76 877.11 858.12
Arkansas  486.72 375.25 235.36 898.89 32 849.37 32 5.8 781.00 742.44 736.74
California  616.51 483.60 94.72 1,034.05 19 965.05 19 7.1 898.84 840.65 807.58
Colorado  687.40 330.50 272.44 1,132.81 15 1,052.50 15 7.6 945.59 869.84 823.88
Connecticut  784.70 407.54 133.86 1,216.55 10 1,168.80 9 4.1 1,108.67 1074.96 1,054.23
Delaware  900.32 352.86 140.52 1,291.39 8 1,224.84 8 5.4 1,173.97 1,146.45 1,125.78
D.C. 809.41 535.96 228.71 1,429.43 3 1,336.71 6 6.9 1,258.46 1,206.03 1,187.96
Florida  1,009.94 361.79 149.26 1,426.46 4 1,353.03 3 5.4 1,262.25 1,190.50 1,145.36
Georgia  797.80 408.41 176.31 1,212.04 11 1,128.78 13 7.4 1,006.28 929.72 869.82
Hawaii 479.27 357.78 107.66 829.15 37 804.04 37 3.1 780.42 761.06 751.10
Idaho  425.89 262.67 139.75 722.06 47 679.28 48 6.3 633.40 599.02 581.01
Illinois  515.94 339.04 140.57 916.49 27 897.49 25 2.1 852.81 811.40 781.31
Indiana  442.69 286.49 135.63 767.72 43 745.27 43 3.0 705.52 671.16 645.30
Iowa  348.87 252.65 214.65 700.71 49 674.93 49 3.8 635.99 608.94 587.80
Kansas  421.78 287.24 276.33 805.15 39 767.34 41 4.9 719.73 708.98 692.06
Kentucky  611.54 312.51 164.68 936.91 26 897.43 26 4.4 840.04 801.75 780.79
Louisiana  1,015.36 487.44 248.57 1,545.82 1 1,447.05 1 6.8 1,328.80 1,254.37 1,209.77
Maine  374.59 294.80 113.33 686.25 50 668.06 50 2.7 646.64 619.16 598.32
Maryland 737.73 422.06 167.61 1,211.83 12 1,150.92 10 5.3 1,081.93 1020.82 998.70
Massachusetts  658.47 440.55 147.06 1,167.16 13 1,136.60 12 2.7 1,096.53 1058.50 1,035.52
Michigan 952.15 479.11 159.08 1,469.73 2 1,361.64 2 7.9 1,304.11 1,268.10 1,232.29
Minnesota  499.48 265.74 206.45 872.65 33 841.12 33 3.7 809.56 791.72 771.73
Mississippi 538.35 372.17 239.34 971.19 22 931.30 23 4.3 879.13 840.48 806.79
Missouri  520.45 315.49 216.92 913.81 30 870.28 30 5.0 807.52 758.33 730.43
Montana  435.81 283.65 306.00 825.87 38 784.77 38 5.2 730.99 704.70 700.33
Nebraska  429.35 272.48 260.97 796.87 40 768.22 40 3.7 722.68 693.87 664.80
Nevada  900.40 366.54 119.28 1,260.43 9 1,142.92 11 10.3 1,062.42 1012.70 983.98
New Hampshire  436.76 327.30 118.58 847.58 36 824.76 34 2.8 801.96 775.17 749.70
New Jersey  955.93 414.39 130.26 1,385.61 6 1,350.97 4 2.6 1,306.73 1,274.30 1,267.08
New Mexico  576.81 311.24 214.10 915.62 28 871.03 29 5.1 819.68 794.54 778.93
New York  920.25 457.77 180.64 1,425.00 5 1,350.51 5 5.5 1,303.15 1,245.32 1,210.36
North Carolina  391.29 342.13 137.45 734.06 46 703.88 46 4.3 666.37 639.01 643.84
North Dakota  307.97 279.45 256.76 686.08 51 662.32 51 3.6 639.13 637.24 628.60
Ohio  448.59 302.57 130.74 794.91 41 778.51 39 2.1 743.12 714.47 691.60
Oklahoma  508.89 346.73 267.99 915.49 29 896.49 27 2.1 854.78 826.43 806.68
Oregon  689.74 280.61 106.87 990.21 21 962.41 20 2.9 889.03 831.80 816.92
Pennsylvania  555.42 376.21 169.21 991.23 20 962.27 21 3.0 915.96 881.13 858.84
Rhode Island  885.33 474.58 140.40 1,333.12 7 1,300.61 7 2.5 1,230.90 1,170.98 1,126.10
South Carolina  702.37 318.08 207.09 1,093.97 16 1,021.90 16 7.1 930.76 870.57 827.30
South Dakota  333.44 244.47 327.11 721.67 48 696.09 47 3.7 652.30 624.52 599.12
Tennessee  477.07 355.01 163.83 855.78 34 821.49 35 4.2 778.80 753.73 739.21
Texas  659.47 442.88 269.90 1,152.25 14 1,096.82 14 5.1 1,008.91 934.22 905.64
Utah  601.77 309.20 127.53 941.14 24 891.08 28 5.6 829.39 792.20 764.44
Vermont  376.99 329.47 147.81 778.29 42 762.54 42 2.1 732.96 700.46 674.08
Virginia  492.68 316.05 148.25 853.78 35 820.58 36 4.0 785.59 756.46 743.72
Washington  689.18 312.65 118.19 1,035.34 18 994.89 18 4.1 935.35 890.18 872.91
West Virginia  521.74 350.20 224.86 938.71 25 914.16 24 2.7 897.94 883.34 876.13
Wisconsin  422.28 247.95 159.82 755.97 45 731.84 45 3.3 701.47 670.98 649.36
Wyoming  356.25 297.61 317.22 765.81 44 744.50 44 2.9 714.17 692.05 676.84
United States $644.11 $377.62 $167.91 $1,056.55   $1,006.33   5.0% $945.02 $896.66 $869.47
(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: © 2021 National Association of Insurance Commissioners (NAIC).