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Average Expenditures For Auto Insurance By State, 2018-2022
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Ìý 2022 2021 Average expenditure
State Liability Collision Comprehensive Average
expenditure		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent change
2021-2022		 2020 2019 2018
AlabamaÌý $529.39 $397.21 $201.70 $965.91 27 $928.14 26 4.1% $919.04 $927.51 $906.76
AlaskaÌý 578.11 415.28 161.18 1,013.98 23 975.76 21 3.9 967.26 991.00 965.45
ArizonaÌý 691.52 355.65 239.54 1,155.85 17 1,072.09 17 7.8 1,043.21 1,065.01 1,048.98
ArkansasÌý 482.66 390.78 259.16 924.44 34 885.41 33 4.4 876.72 900.36 901.11
CaliforniaÌý 613.67 534.22 104.29 1,086.64 18 1,047.44 18 3.7 1,047.08 1,051.82 1,025.07
ColoradoÌý 713.66 361.09 371.73 1,275.70 13 1,190.07 13 7.2 1,171.65 1,175.48 1,133.09
ConnecticutÌý 796.41 424.27 153.34 1,282.45 11 1,244.21 11 3.1 1,230.17 1,266.79 1,217.06
DelawareÌý 867.77 365.21 155.69 1,296.13 10 1,257.28 10 3.1 1,250.51 1,286.99 1,289.62
D.C. 805.93 586.01 236.87 1,501.94 4 1,434.42 4 4.7 1,411.28 1,439.99 1,429.39
FloridaÌý 1,152.02 371.15 179.92 1,624.77 1 1,468.22 3 10.7 1,389.08 1,488.73 1,427.17
GeorgiaÌý 893.87 417.22 198.69 1,344.62 7 1,266.44 8 6.2 1,258.65 1,264.81 1,218.43
Hawaii 451.13 390.93 109.69 843.82 41 819.11 38 3.0 810.54 839.70 829.01
IdahoÌý 439.55 283.24 157.34 772.31 49 741.29 48 4.2 724.63 739.88 722.02
IllinoisÌý 524.25 383.95 171.52 993.77 26 918.48 28 8.2 915.53 940.92 919.14
IndianaÌý 443.37 306.47 155.35 814.21 45 767.42 46 6.1 769.45 780.69 771.04
IowaÌý 355.75 277.94 264.11 776.25 48 725.22 49 7.0 707.69 708.56 700.67
KansasÌý 437.55 301.79 312.69 867.32 39 815.09 40 6.4 792.71 817.88 806.96
KentuckyÌý 591.08 304.28 182.71 937.93 33 901.75 29 4.0 918.14 947.49 951.85
LouisianaÌý 990.73 471.27 281.08 1,557.85 2 1,500.10 1 3.8 1,494.85 1,560.00 1,549.82
MaineÌý 394.44 301.41 138.94 757.65 50 713.23 50 6.2 703.99 696.52 687.26
Maryland 754.65 450.22 184.26 1,281.31 12 1,199.56 12 6.8 1,200.40 1,231.51 1,211.69
MassachusettsÌý 647.51 445.31 158.34 1,181.06 16 1,165.14 14 1.4 1,169.84 1,182.69 1,167.16
Michigan 758.44 479.62 190.59 1,319.15 8 1,311.62 7 0.6 1,420.58 1,498.59 1,446.43
MinnesotaÌý 501.73 305.78 255.27 961.88 28 891.73 32 7.9 880.80 892.05 873.48
Mississippi 574.24 384.30 273.81 1,060.85 19 1,003.90 20 5.7 979.31 977.79 973.74
MissouriÌý 546.26 344.41 253.24 1,001.73 25 929.60 25 7.8 909.39 933.54 917.40
MontanaÌý 435.70 310.12 333.70 885.42 37 846.71 37 4.6 834.31 836.46 825.90
NebraskaÌý 433.70 308.99 306.93 871.55 38 816.30 39 6.8 795.34 807.44 797.43
NevadaÌý 926.56 372.25 121.70 1,299.66 9 1,264.55 9 2.8 1,245.43 1,292.58 1,262.24
New HampshireÌý 444.35 336.31 134.48 889.31 36 851.63 36 4.4 848.30 864.76 847.79
New JerseyÌý 932.65 441.78 148.46 1,413.04 6 1,366.84 6 3.4 1,334.03 1,390.44 1,379.68
New MexicoÌý 572.02 350.40 226.57 957.51 30 892.50 31 7.3 903.87 932.65 915.74
New YorkÌý 989.32 486.05 200.95 1,548.58 3 1,495.21 2 3.6 1,426.50 1,446.14 1,425.22
North CarolinaÌý 418.40 385.88 186.15 840.24 42 790.33 41 6.3 765.96 753.96 739.49
North DakotaÌý 308.02 283.23 279.38 728.89 51 691.23 51 5.4 691.38 703.66 687.91
OhioÌý 443.46 315.44 150.57 832.34 43 775.95 44 7.3 786.63 806.07 802.02
OklahomaÌý 506.75 367.49 297.84 959.10 29 894.83 30 7.2 888.47 913.63 920.32
OregonÌý 670.20 291.87 125.63 1,005.81 24 947.38 24 6.2 951.77 990.24 990.24
PennsylvaniaÌý 525.81 394.08 198.74 1,018.34 22 967.89 22 5.2 975.58 995.08 995.42
Rhode IslandÌý 921.04 488.28 167.33 1,428.12 5 1,423.81 5 0.3 1,390.23 1,382.15 1,350.00
South CarolinaÌý 772.49 334.21 225.47 1,204.90 15 1,138.10 15 5.9 1,116.44 1,115.78 1,097.80
South DakotaÌý 342.45 272.05 406.45 822.14 44 768.54 45 7.0 738.38 745.21 723.35
TennesseeÌý 488.76 379.45 193.01 924.39 35 869.96 34 6.3 856.02 864.94 858.37
TexasÌý 690.88 456.10 323.14 1,233.39 14 1,123.12 16 9.8 1,085.40 1,143.91 1,152.46
UtahÌý 661.63 328.40 138.96 1,026.13 21 951.49 23 7.8 936.73 954.53 941.12
VermontÌý 353.92 339.61 160.52 793.38 47 780.00 43 1.7 784.32 783.69 777.86
VirginiaÌý 532.48 350.71 172.16 949.57 32 863.76 35 9.9 846.19 858.75 855.55
WashingtonÌý 668.06 327.26 129.85 1,048.46 20 1,029.51 19 1.8 1,035.25 1,068.26 1,035.59
West VirginiaÌý 492.78 354.05 251.77 952.67 31 918.56 27 3.7 914.53 939.04 938.77
WisconsinÌý 411.20 272.15 192.72 809.42 46 757.19 47 6.9 747.67 767.65 756.05
WyomingÌý 358.56 303.06 395.54 848.42 40 790.23 42 7.4 769.22 776.95 765.80
United States $661.64 $400.15 $196.22 $1,126.79 Ìý $1,062.31 Ìý 6.1% $1,047.76 $1,075.08 $1,058.10

(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.

 

Archived Tables

AVERAGE EXPENDITURES FOR AUTO INSURANCE BY STATE, 2003-2007
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Ìý 2007 2006 Ìý Average expenditure
State Liability Collision Compre-
hensive		 Average expenditure Rank (1) Average expenditure Rank Average
expenditure
percent change
2006-2007		 2005 2004 2003
AlabamaÌý $364 $317 $136 $684 30 $684 35 0.0% $679 $677 $657
AlaskaÌý 569 381 155 923 12 955 11 -3.3 968 974 938
ArizonaÌý 490 303 213 873 14 913 14 -4.4 929 931 921
ArkansasÌý 372 279 154 660 36 684 34 -3.5 694 708 698
California (2) 465 372 112 800 20 836 17 -4.3 844 845 838
ColoradoÌý 429 264 167 738 24 785 23 -5.9 829 850 923
ConnecticutÌý 603 334 124 964 10 981 10 -1.8 993 991 988
DelawareÌý 693 296 110 1,012 7 1,024 8 -1.2 1,028 1,022 977
D.C. 583 440 266 1,140 1 1,164 1 -2 1,187 1,185 1,135
FloridaÌý 719 289 116 1,043 5 1,069 5 -2.5 1,064 1,062 1,018
GeorgiaÌý 421 367 168 782 21 788 22 -0.8 785 779 759
HawaiiÌý 524 314 117 837 16 853 15 -1.9 846 817 776
IdahoÌý 332 228 118 564 47 577 48 -2.2 585 590 586
IllinoisÌý 402 290 113 723 26 740 27 -2.3 743 760 762
IndianaÌý 352 246 110 618 42 631 43 -2.1 658 671 671
IowaÌý 272 193 155 518 50 536 50 -3.3 555 580 581
KansasÌý 295 226 192 568 46 579 47 -1.9 589 603 611
KentuckyÌý 469 260 128 720 29 739 28 -2.6 751 758 739
LouisianaÌý 646 401 215 1,096 3 1,094 3 0.2 1,078 1,062 1,015
MaineÌý 346 261 101 611 43 634 42 -3.6 644 650 633
MarylandÌý 547 319 143 922 13 949 12 -2.8 948 947 893
MassachusettsÌý 622 313 121 981 9 1,042 6 -5.8 1,113 1,113 1,052
MichiganÌý 507 395 154 928 11 925 13 0.3 931 980 950
MinnesotaÌý 427 212 165 721 28 753 25 -4.3 792 829 837
MississippiÌý 383 276 156 680 32 746 26 -8.9 746 749 710
MissouriÌý 370 252 144 658 37 673 36 -2.3 685 702 702
MontanaÌý 409 238 184 666 33 661 37 0.8 686 683 675
NebraskaÌý 313 202 175 554 48 584 46 -5.1 619 637 624
NevadaÌý 645 345 138 1,000 8 1,006 9 -0.6 985 939 914
New HampshireÌý 410 288 103 750 23 793 21 -5.5 792 798 779
New JerseyÌý 730 354 143 1,104 2 1,152 2 -4.2 1,185 1,221 1,193
New MexicoÌý 449 292 164 730 25 737 29 -1 731 728 732
New YorkÌý 692 330 157 1,047 4 1,083 4 -3.3 1,125 1,172 1,168
North CarolinaÌý 355 235 110 591 44 596 44 -0.9 602 597 605
North DakotaÌý 251 185 222 512 51 530 51 -3.5 555 562 537
OhioÌý 365 241 99 628 41 654 39 -4 670 680 672
OklahomaÌý 373 267 164 646 39 659 38 -1.9 678 690 689
OregonÌý 485 224 97 723 27 726 30 -0.4 738 753 736
PennsylvaniaÌý 490 305 121 820 17 832 18 -1.5 850 843 813
Rhode IslandÌý 671 379 124 1,017 6 1,038 7 -2 1,062 1,034 997
South CarolinaÌý 475 254 150 762 22 756 24 0.8 754 763 745
South DakotaÌý 285 191 193 534 49 554 49 -3.6 566 587 564
TennesseeÌý 359 288 124 649 38 654 40 -0.7 659 666 650
TexasÌý 450 337 168 808 19 820 20 -1.5 857 880 918
UtahÌý 419 265 115 697 31 702 31 -0.7 707 722 733
VermontÌý 347 293 122 662 34 687 32 -3.6 700 693 683
VirginiaÌý 382 253 113 661 35 685 33 -3.5 700 702 658
WashingtonÌý 551 257 120 841 15 839 16 0.2 842 839 825
West VirginiaÌý 502 296 177 819 18 827 19 -1 859 875 844
WisconsinÌý 325 202 116 582 45 590 45 -1.4 615 636 621
WyomingÌý 327 265 206 631 40 639 41 -1.2 640 629 618
United States $475 $301 $136 $795 Ìý $816 Ìý -2.6% $831 $842 $830

(1) Ranked by average expenditure.
(2) 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: © 2009 National Association of Insurance Commissioners.Ìý

 
AVERAGE EXPENDITURES FOR AUTO INSURANCE BY STATE, 2004-2008
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Ìý 2008 2007 Ìý Average expenditure
State Liability Collision Compre-
hensive		 Average expenditure Rank (1) Average expenditure Rank (1) Average
expenditure
percent change
2007-2008		 2006 2005 2004
Alabama $354 $310 $134 $667 32 $684 31 -2.4% $684 $679 $677
Alaska 558 375 149 904 12 923 13 -2.1 955 968 974
Arizona 486 296 207 858 14 873 14 -1.6 913 929 931
Arkansas 365 283 152 653 38 660 36 -1.1 684 694 708
California (2) 450 363 103 776 20 809 19 -4.0 839 841 846
Colorado 427 263 155 729 23 738 24 -1.3 785 829 850
Connecticut 592 332 121 950 9 964 10 -1.4 981 993 991
Delaware 698 287 106 1,007 6 1,012 7 -0.4 1,024 1,028 1,022
D.C. 583 430 250 1,126 1 1,140 1 -1.2 1,164 1,187 1,185
Florida 736 281 114 1,055 4 1,043 5 1.2 1,069 1,064 1,062
Georgia 413 357 164 765 21 782 21 -2.2 788 785 779
Hawaii 506 312 113 816 18 837 16 -2.5 853 846 817
Idaho 330 228 116 562 47 564 47 -0.3 577 585 590
Illinois 401 287 111 720 27 723 26 -0.5 740 743 760
Indiana 348 243 109 612 42 618 42 -0.9 631 658 671
Iowa 272 192 153 519 50 518 50 0.2 536 555 580
Kansas 299 230 190 576 46 568 46 1.5 579 589 603
Kentucky 453 256 122 699 29 720 29 -2.9 739 751 758
Louisiana 651 410 214 1,105 2 1,096 3 0.8 1,094 1,078 1,062
Maine 336 255 97 600 43 611 43 -1.7 634 644 650
Maryland 555 316 140 922 10 933 11 -1.2 964 969 973
Massachusetts 564 293 114 903 13 981 9 -8.0 1,042 1,113 1,113
Michigan 494 387 152 907 11 928 12 -2.2 925 931 980
Minnesota 411 207 162 698 30 721 28 -3.1 753 792 829
Mississippi 366 269 154 654 36 680 32 -3.8 746 746 749
Missouri 368 251 148 657 35 658 37 -0.2 673 685 702
Montana 404 241 184 667 31 666 33 0.2 661 686 683
Nebraska 308 201 168 547 48 554 48 -1.3 584 619 637
Nevada 631 335 134 970 8 1,000 8 -2.9 1,006 985 939
New Hampshire 398 277 100 727 25 750 23 -3.0 793 792 798
New Jersey 721 342 134 1,081 3 1,104 2 -2.0 1,152 1,185 1,221
New Mexico 442 294 171 728 24 730 25 -0.2 737 731 728
New York 687 331 154 1,044 5 1,047 4 -0.3 1,083 1,125 1,172
North Carolina 352 240 114 595 44 591 44 0.7 596 602 597
North Dakota 242 186 216 503 51 512 51 -1.7 530 555 562
Ohio 355 239 100 617 41 628 41 -1.7 654 670 680
Oklahoma 381 275 160 663 33 646 39 2.6 659 678 690
Oregon 485 230 95 727 26 723 27 0.5 726 738 753
Pennsylvania 490 299 120 817 17 820 17 -0.3 832 850 843
Rhode Island 646 372 121 986 7 1,017 6 -3.0 1,038 1,062 1,034
South Carolina 466 252 147 751 22 762 22 -1.4 756 754 763
South Dakota 275 186 191 520 49 534 49 -2.5 554 566 587
Tennessee 356 283 121 641 39 649 38 -1.3 654 659 666
Texas 471 359 178 854 15 808 20 5.7 820 857 880
Utah 430 268 111 709 28 697 30 1.8 702 707 722
Vermont 340 280 115 653 37 662 34 -1.2 687 700 693
Virginia 384 252 114 663 34 661 35 0.3 685 700 702
Washington 551 258 116 840 16 841 15 -0.1 839 842 839
West Virginia 501 289 167 808 19 819 18 -1.4 827 859 875
Wisconsin 322 202 117 581 45 582 45 0.0 590 615 636
Wyoming 322 271 202 632 40 631 40 0.1 639 640 629
United States $471 $298 $134 $789 Ìý $796 Ìý -0.9 $817 $831 $843

(1) Ranked by average expenditure.
(2) 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: © 2010 National Association of Insurance Commissioners.Ìý

 
AVERAGE EXPENDITURES FOR AUTO INSURANCE BY STATE, 2005-2009
Export To Excel
Ìý 2009 2008 Ìý Average expenditure
State Liability Collision Compre-
hensive		 Average expenditure Rank (1) Average expenditure Rank (1) Average
expenditure
percent change
2008-2009		 2007 2006 2005
Alabama $352 $302 $129 $652 34 $663 31 -1.6% $684 $684 $679
Alaska 554 371 148 897 12 904 12 -0.8 923 955 968
Arizona 483 282 204 837 14 858 14 -2.4 875 913 929
Arkansas 365 287 158 656 32 651 34 0.7 660 684 694
California (2) 442 350 102 754 19 779 20 -3.2 810 840 843
Colorado 451 261 143 741 20 729 23 1.7 738 785 829
Connecticut 596 333 121 952 8 950 9 0.2 964 981 993
Delaware 718 283 104 1,021 5 1,007 6 1.4 1,012 1,024 1,028
D.C. 591 430 245 1,128 1 1,126 1 0.1 1,140 1,164 1,187
Florida 707 268 114 1,006 6 1,053 4 -4.5 1,045 1,069 1,064
Georgia 427 339 154 754 19 761 21 -0.8 782 788 785
Hawaii 488 305 108 786 18 816 18 -3.7 837 853 846
Idaho 332 222 112 555 45 563 43 -1.4 564 577 585
Illinois 414 283 110 728 22 714 26 1.9 724 740 743
Indiana 358 241 112 620 38 611 38 1.5 618 631 658
Iowa 280 196 156 532 46 519 46 2.6 518 536 555
Kansas 300 237 192 578 43 576 42 0.2 568 579 589
Kentucky 458 252 120 699 27 699 28 0.0 720 739 751
Louisiana 651 408 212 1,099 3 1,105 2 -0.5 1,096 1,094 1,078
Maine 334 255 94 598 41 600 39 -0.4 611 634 644
Maryland 563 318 140 929 10 922 10 0.7 933 964 969
Massachusetts 528 285 110 860 13 903 13 -4.7 981 1,042 1,113
Michigan 508 384 150 913 11 906 11 0.8 928 925 931
Minnesota 410 204 163 694 28 698 29 -0.7 720 753 792
Mississippi 418 299 173 738 21 749 22 -1.6 765 746 746
Missouri 374 255 154 668 30 656 32 1.8 658 673 685
Montana 394 241 184 655 33 667 30 -1.7 666 661 686
Nebraska 316 206 171 559 44 547 44 2.3 554 584 619
Nevada 622 323 129 944 9 970 8 -2.7 999 1,006 985
New Hampshire 394 271 96 718 24 727 24 -1.3 750 793 792
New Jersey 745 342 130 1,101 2 1,081 3 1.8 1,104 1,152 1,185
New Mexico 435 288 175 713 26 725 25 -1.7 730 737 731
New York 704 335 147 1,057 4 1,044 5 1.3 1,047 1,083 1,125
North Carolina 371 239 109 610 40 595 40 2.4 591 596 602
North Dakota 240 192 219 510 48 503 47 1.3 512 530 555
Ohio 353 239 103 616 39 617 37 0.0 628 654 670
Oklahoma 394 282 159 680 29 663 31 2.7 646 659 678
Oregon 487 228 92 723 23 727 24 -0.5 723 726 738
Pennsylvania 488 297 119 811 17 817 17 -0.7 820 832 850
Rhode Island 646 356 115 969 7 986 7 -1.7 1,017 1,038 1,062
South Carolina 461 243 145 738 21 749 22 -1.5 762 756 754
South Dakota 275 185 192 521 47 520 45 0.2 534 554 566
Tennessee 362 270 120 634 36 639 35 -0.7 649 654 659
Texas 481 361 180 860 13 854 15 0.8 808 820 857
Utah 444 268 105 716 25 709 27 0.9 697 702 707
Vermont 338 276 109 646 35 653 33 -1.2 662 687 700
Virginia 389 252 116 667 31 663 31 0.7 662 685 700
Washington 548 251 110 826 15 839 16 -1.6 841 839 842
West Virginia 502 292 171 815 16 807 19 0.9 819 827 859
Wisconsin 330 205 118 591 42 581 41 1.6 582 590 615
Wyoming 317 272 199 623 37 632 36 -1.4 631 639 640
United States $474 $294 $132 $785 Ìý $789 Ìý -0.5% $797 $817 $832

(1) Ranked highest to lowest by average expenditure. States with the same premium receive the same rank.
(2) 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: © 2012 National Association of Insurance Commissioners (NAIC).

 
AVERAGE EXPENDITURES FOR AUTO INSURANCE BY STATE, 2006-2010
Export To Excel
Ìý 2010 2009 Ìý Average expenditure
State Liability Collision Compre-
hensive		 Average expenditure Rank (1) Average expenditure Rank (1) Average
expenditure
percent change
2009-2010		 2008 2007 2006
Alabama $353.91 $297.16 $132.14 $651.24 37 $652.07 37 -0.1% $662.76 $683.74 $683.95
Alaska 553.59 370.39 145.99 890.35 13 896.74 12 -0.7 904.12 923.33 954.69
Arizona 471.17 263.49 198.05 804.05 18 842.21 15 -4.5 863.81 883.40 918.51
Arkansas 367.58 288.97 165.41 662.42 35 657.13 35 0.8 651.26 659.97 684.18
California (2) 444.90 338.21 100.27 745.74 21 755.15 20 -1.2 779.54 809.78 840.89
Colorado 446.62 254.24 143.17 730.42 25 741.28 22 -1.5 728.67 738.36 784.97
Connecticut 608.62 335.85 121.46 965.22 8 952.36 8 1.4 950.16 963.61 981.28
Delaware 727.22 285.33 106.06 1,030.98 6 1,021.42 5 0.9 1,007.32 1,011.60 1,024.29
D.C. 613.96 433.44 229.84 1,133.87 2 1,127.72 1 0.5 1,126.56 1,139.82 1,163.60
Florida 745.26 254.85 114.26 1,036.76 5 1,006.20 6 3.0 1,054.89 1,044.76 1,069.38
Georgia 431.35 328.49 154.30 749.09 20 754.61 21 -0.7 760.58 781.93 788.08
Hawaii 476.32 298.66 106.19 765.83 19 786.33 19 -2.6 816.21 837.20 853.21
Idaho 330.41 218.25 110.05 547.78 48 554.80 48 -1.3 562.76 564.00 576.64
Illinois 418.74 282.92 110.80 732.56 24 727.82 25 0.7 713.97 723.96 740.03
Indiana 365.41 242.13 109.12 624.86 41 620.31 42 0.7 611.21 618.20 631.35
Iowa 287.92 198.18 158.53 546.59 49 530.96 49 2.9 518.48 520.19 535.49
Kansas 326.65 247.38 203.73 625.17 40 622.16 41 0.5 622.14 610.13 616.18
Kentucky 478.68 250.52 123.52 722.66 27 698.85 30 3.4 698.93 719.64 739.10
Louisiana 684.90 398.57 211.46 1,121.46 3 1,100.09 3 1.9 1,104.62 1,095.98 1,094.16
Maine 327.30 251.00 92.32 582.29 47 597.87 45 -2.6 600.46 611.13 633.64
Maryland 578.82 321.07 141.87 947.70 9 928.92 10 2.0 922.01 933.07 963.68
Massachusetts 540.71 302.11 115.07 890.83 12 860.49 13 3.5 903.27 981.39 1,041.84
Michigan 544.20 381.71 147.60 934.60 10 913.28 11 2.3 905.82 927.82 925.09
Minnesota 413.56 201.93 161.47 693.08 32 692.08 31 0.1 697.09 719.66 752.29
Mississippi 419.59 301.40 180.85 745.17 22 737.77 23 1.0 749.38 764.75 746.15
Missouri 386.99 249.95 157.59 678.04 33 668.29 33 1.5 656.33 658.11 673.26
Montana 391.72 239.88 185.47 656.47 36 655.61 36 0.1 666.69 666.08 660.85
Nebraska 337.55 208.98 174.55 592.69 46 575.26 47 3.0 561.46 571.33 600.07
Nevada 624.28 306.87 128.75 930.72 11 944.16 9 -1.4 970.31 998.66 1,005.69
New Hampshire 386.07 267.53 96.24 706.24 29 717.56 28 -1.6 727.15 749.98 793.21
New Jersey 804.96 347.52 123.96 1,157.30 1 1,100.66 2 5.1 1,081.28 1,103.53 1,151.61
New Mexico 431.94 280.82 175.74 703.90 30 717.96 27 -2.0 730.27 732.93 740.18
New York 723.78 340.43 143.49 1,078.88 4 1,057.82 4 2.0 1,044.04 1,047.19 1,082.75
North Carolina 363.67 232.31 111.09 599.90 45 609.80 44 -1.6 595.48 591.11 596.39
North Dakota 250.41 198.18 220.90 528.81 50 509.72 51 3.7 503.18 511.79 530.13
Ohio 357.83 236.85 104.46 619.46 43 616.33 43 0.5 616.51 628.37 654.33
Oklahoma 407.63 283.90 170.92 700.35 31 677.71 32 3.3 662.64 646.00 658.80
Oregon 499.07 216.63 91.46 724.42 26 722.85 26 0.2 726.64 722.86 725.62
Pennsylvania 486.72 299.37 120.49 812.15 17 811.15 18 0.1 816.65 820.00 832.08
Rhode Island 664.77 351.47 116.93 984.95 7 969.02 7 1.6 985.89 1,017.12 1,038.00
South Carolina 461.39 240.29 147.96 737.74 23 737.74 24 (3) 749.30 761.87 756.11
South Dakota 274.51 183.82 195.55 525.16 51 512.47 50 2.5 512.12 526.42 545.57
Tennessee 370.64 265.71 121.89 641.17 38 634.24 39 1.1 639.00 649.22 653.87
Texas 479.43 350.18 183.97 848.11 14 860.42 14 -1.4 853.55 807.70 820.19
Utah 451.92 261.06 105.08 717.25 28 717.28 29 (3) 708.70 696.81 700.68
Vermont 333.39 270.21 109.54 630.19 39 645.79 38 -2.4 653.47 661.70 686.63
Virginia 391.92 253.35 119.09 673.62 34 667.51 34 0.9 662.72 661.82 684.51
Washington 544.55 245.84 108.43 815.27 16 826.59 16 -1.4 839.23 840.97 839.41
West Virginia 504.54 299.11 182.54 830.10 15 815.00 17 1.9 807.49 818.75 827.42
Wisconsin 362.92 203.67 116.34 613.37 44 590.54 46 3.9 581.42 581.50 590.01
Wyoming 319.15 267.94 199.63 621.08 42 624.10 40 -0.5 632.92 631.15 639.07
United States $484.03 $290.29 $133.06 $791.22 Ìý $786.52 Ìý 0.6% $790.58 $798.49 $817.99

(1) Ranked highest to lowest by average expenditure.
(2) Preliminary.
(3) Less than 0.1 percent.

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: ©2012 National Association of Insurance Commissioners (NAIC).

 
AVERAGE EXPENDITURES FOR AUTO INSURANCE BY STATE, 2007-2011
Export To Excel
Ìý 2011 2010 Ìý Average
expenditure
State Liability Collision Compre- hensive Average expend-
iture		 Rank (1) Average expend-
iture		 Rank (1) Average expenditure percent change, 2010-2011 2009 2008 2007
Alabama $354.47 $293.88 $136.20 $653.64 37 $651.22 37 0.4% $652.07 $662.76 $683.74
Alaska 546.71 363.42 143.36 873.10 13 890.35 13 -1.9 896.74 904.12 923.33
Arizona 462.95 249.10 187.41 776.83 18 804.97 18 -3.5 842.21 863.81 883.40
Arkansas 367.28 290.96 169.10 665.86 35 662.44 35 0.5 657.13 651.26 659.97
California (2) 437.88 340.76 99.78 736.80 24 745.55 21 -1.2 758.81 779.49 810.22
Colorado 441.41 251.14 142.95 723.67 27 730.42 25 -0.9 741.28 728.67 738.36
Connecticut 614.26 334.69 119.78 970.22 9 965.22 8 0.5 952.36 950.16 963.61
Delaware 748.55 282.83 106.49 1,052.28 6 1,030.98 6 2.1 1,021.42 1,007.32 1,011.60
D.C. 622.58 426.32 225.00 1,138.03 2 1,133.87 2 0.4 1,127.72 1,126.56 1,139.82
Florida 813.60 236.69 109.83 1,090.65 5 1,037.36 5 5.1 1,006.20 1,054.89 1,044.76
Georgia 439.30 320.73 153.12 755.25 19 748.89 20 0.8 754.61 760.58 781.93
Hawaii 463.80 293.11 104.27 748.10 21 765.83 19 -2.3 786.33 816.21 837.20
Idaho 327.96 206.32 107.69 535.15 51 548.03 48 -2.4 554.80 562.76 564.00
Illinois 424.19 268.93 110.00 727.46 25 733.45 24 -0.8 727.82 713.97 723.96
Indiana 368.72 231.61 110.13 621.76 41 624.27 41 -0.4 620.31 611.21 618.20
Iowa 290.86 198.45 159.75 552.54 48 546.59 49 1.1 530.96 518.48 520.19
Kansas 327.21 244.67 208.57 625.93 40 625.12 40 0.1 622.16 622.14 610.13
Kentucky 503.53 245.49 123.50 744.58 22 722.70 27 3.0 698.85 698.93 719.64
Louisiana 687.56 386.31 207.68 1,110.68 3 1,121.44 3 -1.0 1,100.09 1,104.62 1,095.98
Maine 328.25 242.80 90.83 577.38 47 582.29 47 -0.8 597.87 600.46 611.13
Maryland 590.02 317.97 140.78 956.17 10 947.74 9 0.9 928.92 922.01 933.07
Massachusetts 565.87 324.13 121.13 942.12 11 890.83 12 5.8 860.49 903.27 981.39
Michigan 600.12 366.62 143.88 983.60 8 944.57 10 4.1 913.28 905.82 927.82
Minnesota 417.37 197.75 162.06 696.00 31 693.08 32 0.4 692.08 697.09 719.66
Mississippi 418.64 292.63 184.80 740.69 23 745.17 22 -0.6 737.77 749.38 764.75
Missouri 385.46 249.75 155.11 675.02 34 678.03 33 -0.4 668.29 656.33 658.11
Montana 387.71 240.85 187.65 654.56 36 657.42 36 -0.4 655.61 666.69 666.08
Nebraska 339.58 211.63 181.07 602.57 44 592.56 46 1.7 575.26 561.46 571.33
Nevada 612.84 297.14 119.89 904.91 12 930.51 11 -2.8 944.16 970.31 998.66
New Hampshire 387.51 262.52 96.51 705.84 30 706.24 29 -0.1 717.56 727.15 749.98
New Jersey 831.45 352.03 118.04 1,183.95 1 1,157.30 1 2.3 1,100.66 1,081.28 1,103.53
New Mexico 432.78 268.32 168.75 691.74 32 703.64 30 -1.7 717.96 730.27 732.93
New York 750.63 340.11 143.57 1,108.64 4 1,078.88 4 2.8 1,057.82 1,044.04 1,047.19
North Carolina 358.16 238.22 111.87 600.33 46 599.90 45 0.1 609.80 595.48 591.11
North Dakota 260.86 208.25 219.64 549.81 49 528.81 50 4.0 509.72 503.18 511.79
Ohio 357.34 236.15 104.24 619.96 42 619.45 43 0.1 616.33 616.51 628.37
Oklahoma 416.18 285.70 179.63 716.23 28 701.66 31 2.1 677.71 662.64 646.00
Oregon 507.32 207.18 90.21 723.90 26 724.47 26 -0.1 722.85 726.64 722.86
Pennsylvania 488.19 296.35 121.45 815.45 16 812.15 17 0.4 811.15 816.65 820.00
Rhode Island 678.59 352.19 118.22 1,004.14 7 984.95 7 1.9 969.02 985.89 1,017.12
South Carolina 469.76 239.74 149.46 749.94 20 737.77 23 1.6 737.74 749.30 761.87
South Dakota 277.16 190.78 201.37 540.04 50 525.16 51 2.8 512.47 512.12 526.42
Tennessee 376.96 268.93 122.03 650.13 38 641.17 38 1.4 634.24 639.00 649.22
Texas 480.47 338.67 185.61 842.58 14 848.11 14 -0.7 860.42 853.55 807.70
Utah 451.94 253.50 103.69 712.79 29 716.97 28 -0.6 717.28 708.70 696.81
Vermont 335.79 269.66 110.75 633.54 39 630.11 39 0.5 645.79 653.47 661.70
Virginia 394.68 251.50 122.52 679.57 33 673.72 34 0.9 667.51 662.72 661.82
Washington 541.62 242.86 105.55 806.37 17 815.29 16 -1.1 826.59 839.23 840.97
West Virginia 500.31 305.96 186.33 834.09 15 830.10 15 0.5 815.00 807.49 818.75
Wisconsin 356.54 198.60 115.18 601.40 45 613.41 44 -2.0 590.54 581.42 581.50
Wyoming 320.47 272.66 198.01 619.88 43 621.15 42 -0.2 624.10 632.92 631.15
United States $492.43 $286.37 $132.76 $797.44 Ìý $791.52 Ìý 0.7% $786.99 $790.57 $798.54

(1) Ranked highest to lowest by average expenditure.
(2) 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: © 2013 National Association of Insurance Commissioners (NAIC).

 
AVERAGE EXPENDITURES FOR AUTO INSURANCE BY STATE, 2008-2012
Export To Excel
Ìý 2012 2011 Ìý 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 2.6 624.27 620.31 611.21Ìý
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 Ìý $797.61 Ìý 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).

 
Average Expenditures For Auto Insurance By State, 2009-2013
Export To Excel
Ìý 2013 2012 Ìý 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 Ìý $814.63 Ìý 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).

 
Average Expenditures For Auto Insurance By State, 2010-2014
Export To Excel

Ìý

Ìý 2014 2013 Ìý Average expenditure
State Liability Collision Compre-
hensive		 Average
expendi-
ture		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent
change
2013-2014		 2012 2011 2010
AlabamaÌý $381.98 $303.71 $151.40 $695.06 37 $673.51 38 3.2% $659.06 $653.37 $651.22
AlaskaÌý 550.59 359.34 140.15 883.60 14 889.28 13 -0.6 873.15 873.11 890.35
ArizonaÌý 507.18 269.07 185.63 837.24 19 811.45 18 3.2 781.71 776.56 804.97
ArkansasÌý 392.46 314.38 193.34 728.65 34 703.04 36 3.6 679.46 665.49 662.44
CaliforniaÌý 482.18 374.31 98.73 814.82 23 782.08 22 4.2 750.86 740.30 745.83
ColoradoÌý 500.72 270.86 167.94 821.19 21 777.95 23 5.6 737.95 723.61 730.42
ConnecticutÌý 642.95 359.03 130.80 1,031.70 10 1,011.27 9 2.0 986.73 969.41 965.22
DelawareÌý 795.35 303.86 116.49 1,125.74 7 1,101.12 7 2.2 1,065.37 1,048.03 1,030.98
D.C. 629.25 461.49 233.65 1,192.45 5 1,187.49 2 0.4 1,154.91 1,139.43 1,133.87
FloridaÌý 837.24 259.86 111.71 1,140.84 6 1,143.73 5 -0.3 1,128.53 1,090.58 1,037.36
GeorgiaÌý 516.63 320.57 154.05 839.94 18 800.58 19 4.9 768.34 754.06 748.89
Hawaii 458.92 301.23 97.99 751.76 30 739.26 29 1.7 735.17 748.45 765.83
IdahoÌý 348.24 210.99 114.07 571.94 51 553.38 51 3.4 534.56 535.11 548.03
IllinoisÌý 434.80 294.41 124.89 775.24 27 744.75 27 4.1 731.31 727.33 733.45
IndianaÌý 371.69 240.00 117.25 642.19 46 621.77 45 3.3 637.46 621.38 624.27
IowaÌý 294.97 210.25 178.45 585.71 50 572.14 50 2.4 561.26 551.72 546.59
KansasÌý 354.24 257.88 238.67 688.82 39 660.28 39 4.3 632.07 625.92 625.17
KentuckyÌý 523.10 260.85 133.55 782.89 26 772.80 24 1.3 759.70 744.53 722.70
LouisianaÌý 750.23 402.04 211.90 1,192.92 4 1,146.29 4 4.1 1,112.53 1,110.63 1,121.44
MaineÌý 336.70 255.07 97.35 606.90 48 592.82 48 2.4 582.71 577.38 582.29
Maryland 607.19 339.48 149.70 1,001.17 11 979.28 11 2.2 966.29 956.14 947.74
MassachusettsÌý 598.71 376.42 132.64 1,035.52 9 1,007.98 10 2.7 976.65 942.12 890.83
Michigan 811.43 390.03 149.11 1,227.36 2 1,131.43 6 8.5 1,048.87 983.62 954.75
MinnesotaÌý 453.38 222.85 180.47 772.67 28 744.53 28 3.8 718.61 696.00 693.08
Mississippi 448.60 307.98 201.01 796.99 25 768.20 26 3.7 748.44 740.14 745.17
MissouriÌý 406.67 263.02 175.70 724.15 36 704.22 34 2.8 683.82 674.60 678.03
MontanaÌý 392.60 265.55 210.49 694.79 38 677.83 37 2.5 658.42 654.56 657.42
NebraskaÌý 353.26 229.70 223.03 662.83 43 638.67 43 3.8 616.78 602.39 592.56
NevadaÌý 673.09 293.18 117.20 969.73 12 935.90 12 3.6 905.82 904.91 930.43
New HampshireÌý 395.51 293.37 106.62 751.28 31 733.02 31 2.5 717.15 705.88 706.24
New JerseyÌý 881.58 371.36 126.26 1,263.67 1 1,255.12 1 0.7 1,220.00 1,186.24 1,157.30
New MexicoÌý 484.63 268.09 167.69 749.43 32 722.66 32 3.7 695.09 691.74 703.64
New YorkÌý 796.39 366.36 165.07 1,205.03 3 1,181.86 3 2.0 1,153.11 1,111.27 1,078.88
North CarolinaÌý 358.56 279.35 130.37 643.84 45 624.76 44 3.1 611.18 600.04 599.90
North DakotaÌý 295.87 239.16 233.06 630.24 47 606.56 47 3.9 576.08 549.73 528.81
OhioÌý 388.88 260.20 117.58 682.70 40 659.37 40 3.5 634.91 619.73 619.45
OklahomaÌý 458.73 307.01 219.85 807.84 24 768.25 25 5.2 740.11 716.21 703.03
OregonÌý 585.33 218.06 90.79 818.92 22 783.46 21 4.5 741.51 723.72 724.47
PennsylvaniaÌý 496.87 315.28 138.27 857.71 17 841.42 16 1.9 827.75 812.79 812.15
Rhode IslandÌý 739.85 392.36 125.17 1,106.08 8 1,066.25 8 3.7 1,034.52 1,004.12 984.95
South CarolinaÌý 510.04 251.46 175.19 824.59 20 794.40 20 3.8 772.14 748.26 737.77
South DakotaÌý 297.38 204.63 242.27 601.33 49 579.37 49 3.8 556.51 538.49 525.16
TennesseeÌý 409.79 301.17 144.60 724.81 35 704.20 35 2.9 673.90 649.98 641.17
TexasÌý 516.26 357.61 192.33 905.64 13 864.24 14 4.8 823.80 808.97 816.45
UtahÌý 486.87 256.23 109.56 766.27 29 733.51 30 4.5 713.20 712.74 716.97
VermontÌý 341.60 285.01 120.18 665.17 42 655.66 41 1.5 643.47 633.51 630.11
VirginiaÌý 427.94 273.70 134.50 743.14 33 718.72 33 3.4 691.80 679.60 673.72
WashingtonÌý 590.00 257.24 104.87 871.87 15 838.30 17 4.0 809.56 806.02 815.29
West VirginiaÌý 505.40 326.95 200.10 870.84 16 858.85 15 1.4 846.74 834.04 830.10
WisconsinÌý 367.00 217.19 132.64 646.48 44 621.07 46 4.1 598.84 600.23 613.41
WyomingÌý 335.59 273.49 235.25 668.81 41 639.51 42 4.6 623.70 619.88 621.15
United States $530.51 $308.32 $143.45 $866.31 Ìý $838.49 Ìý 3.3% $812.19 $795.00 $789.29

(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: © 2017 National Association of Insurance Commissioners (NAIC).

 
Average Expenditures For Auto Insurance By State, 2011-2015
Export To Excel
Ìý 2015 2014 Ìý Average expenditure
State Liability Collision Compre-
hensive		 Average
expenditure		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent change,
2015-2014		 2013 2012 2011
AlabamaÌý $394.21 $317.96 $156.31 $722.89 37 $695.06 37 4.0% $673.51 $659.06 $653.37
AlaskaÌý 539.68 350.81 137.26 872.39 17 883.60 14 -1.3 889.28 873.15 873.11
ArizonaÌý 508.76 277.96 186.12 843.92 21 837.24 19 0.8 811.45 781.71 776.56
ArkansasÌý 394.13 321.80 190.41 736.43 36 728.65 34 1.1 703.04 679.46 665.49
CaliforniaÌý 489.66 396.55 100.54 841.45 22 807.58 24 4.2 782.57 752.78 740.30
ColoradoÌý 520.04 287.00 174.61 857.44 18 821.19 21 4.4 777.95 737.95 723.61
ConnecticutÌý 650.94 368.51 131.62 1,048.56 10 1,031.70 10 1.6 1,011.28 986.73 969.41
DelawareÌý 799.30 318.77 122.49 1,145.66 8 1,125.74 7 1.8 1,101.12 1,065.37 1,048.03
D.C. 628.82 468.67 233.24 1,190.39 5 1,192.45 5 -0.2 1,187.49 1,154.91 1,139.43
FloridaÌý 857.64 282.96 116.53 1,185.25 6 1,140.81 6 3.9 1,143.77 1,128.54 1,090.60
GeorgiaÌý 557.38 331.83 159.18 896.50 14 839.94 18 6.7 800.58 768.34 754.06
Hawaii 458.54 313.17 101.56 764.72 31 751.61 30 1.7 739.26 735.17 748.45
IdahoÌý 344.29 219.05 116.55 573.83 51 571.74 51 0.4 553.38 534.56 535.11
IllinoisÌý 446.72 309.71 128.13 803.64 26 775.24 27 3.7 744.75 731.31 727.33
IndianaÌý 382.68 250.29 122.06 666.24 43 642.19 46 3.7 621.77 637.46 621.38
IowaÌý 299.18 219.75 183.53 599.03 50 585.71 50 2.3 572.14 561.26 551.72
KansasÌý 358.24 263.33 241.36 698.45 39 688.82 39 1.4 660.28 632.07 625.92
KentuckyÌý 529.21 267.91 141.39 801.97 27 782.89 26 2.4 772.80 759.70 744.53
LouisianaÌý 775.83 414.36 215.17 1,231.77 3 1,192.92 4 3.3 1,146.29 1,112.53 1,110.63
MaineÌý 338.87 259.98 104.98 617.73 48 606.90 48 1.8 592.82 582.71 577.38
Maryland 609.74 353.99 152.72 1,016.81 11 1,001.17 11 1.6 979.28 966.29 956.14
MassachusettsÌý 606.04 388.28 134.96 1,058.50 9 1,035.52 9 2.2 1,007.98 976.65 942.12
Michigan 795.32 413.83 154.85 1,231.39 4 1,227.36 2 0.3 1,131.43 1,048.87 983.62
MinnesotaÌý 456.82 234.40 184.27 787.74 28 772.51 28 2.0 744.53 718.61 696.00
Mississippi 460.50 323.22 210.33 827.31 24 796.99 25 3.8 768.20 748.44 740.14
MissouriÌý 415.88 275.28 181.27 745.04 34 724.15 36 2.9 704.22 683.82 674.60
MontanaÌý 386.29 265.32 211.91 692.50 40 694.67 38 -0.3 677.83 658.42 654.56
NebraskaÌý 364.64 237.13 229.25 681.54 41 662.83 43 2.8 638.67 616.78 602.39
NevadaÌý 681.56 303.86 117.63 985.39 12 969.66 12 1.6 935.90 905.82 904.91
New HampshireÌý 400.56 307.42 110.77 775.03 30 751.28 31 3.2 733.02 717.15 705.88
New JerseyÌý 869.57 381.86 131.35 1,265.69 1 1,263.67 1 0.2 1,255.12 1,220.00 1,186.24
New MexicoÌý 488.03 276.98 172.57 762.56 32 749.43 32 1.8 722.66 695.09 691.74
New YorkÌý 804.51 385.02 171.12 1,234.84 2 1,205.03 3 2.5 1,181.87 1,153.11 1,111.27
North CarolinaÌý 359.42 293.59 136.08 655.37 46 643.84 45 1.8 624.76 611.18 600.04
North DakotaÌý 298.18 244.09 231.04 637.54 47 630.24 47 1.2 606.56 576.08 549.73
OhioÌý 397.11 269.84 121.61 702.59 38 682.70 40 2.9 659.37 634.91 619.73
OklahomaÌý 461.01 318.47 225.84 823.51 25 807.81 23 1.9 768.25 740.11 716.21
OregonÌý 584.13 226.83 93.87 828.03 23 818.84 22 1.1 783.46 741.51 723.72
PennsylvaniaÌý 499.06 327.24 144.21 878.18 16 857.71 17 2.4 841.42 827.75 812.79
Rhode IslandÌý 759.80 411.51 132.19 1,147.95 7 1,106.09 8 3.8 1,066.25 1,034.52 1,004.12
South CarolinaÌý 527.09 265.07 180.94 853.53 20 824.59 20 3.5 794.40 772.14 748.26
South DakotaÌý 300.22 208.58 258.11 615.78 49 601.33 49 2.4 579.37 556.51 538.49
TennesseeÌý 413.91 309.07 148.45 737.59 35 724.80 35 1.8 704.20 673.90 649.98
TexasÌý 528.75 374.49 206.42 934.22 13 905.64 13 3.2 864.24 823.80 808.97
UtahÌý 497.53 265.90 109.50 784.10 29 766.27 29 2.3 733.51 713.20 712.74
VermontÌý 343.12 295.42 125.48 680.18 42 665.17 42 2.3 655.66 643.47 633.51
VirginiaÌý 425.61 280.52 136.54 750.85 33 743.14 33 1.0 718.72 691.80 679.60
WashingtonÌý 596.67 265.74 106.38 884.24 15 871.82 15 1.4 838.30 809.56 806.02
West VirginiaÌý 491.83 329.67 204.28 855.25 19 870.84 16 -1.8 858.85 846.74 834.04
WisconsinÌý 374.37 226.00 136.81 664.81 44 646.47 44 2.8 621.07 598.84 600.23
WyomingÌý 321.04 278.83 247.57 656.64 45 668.81 41 -1.8 639.51 623.70 619.88
United States $538.73 $322.61 $148.04 $889.01 Ìý $865.34 Ìý 2.7% $838.56 $812.44 $795.01

(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: © 2017 National Association of Insurance Commissioners (NAIC).

 
Average Expenditures For Auto Insurance By State, 2012-2016
Export To Excel

Ìý

Ìý 2016 2015 Ìý Average expenditure
State Liability Collision Compre-
hensive		 Average
expenditure		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent change,
2015-2016		 2014 2013 2012
AlabamaÌý $423.98 $337.50 $163.16 $769.20 36 $722.89 37 6.4% $695.06 $673.51 $659.06
AlaskaÌý 525.35 356.45 138.67 859.15 23 872.39 17 -1.5 883.60 889.29 873.15
ArizonaÌý 539.68 290.88 191.86 890.74 20 843.89 21 5.6 837.24 811.45 781.71
ArkansasÌý 413.17 340.33 196.58 771.55 35 736.43 36 4.8 728.65 703.04 679.46
CaliforniaÌý 520.81 423.75 99.73 892.55 19 841.45 22 6.1 807.58 782.57 752.78
ColoradoÌý 570.10 307.27 194.65 935.39 15 857.52 18 9.1 821.19 777.95 737.95
ConnecticutÌý 678.41 383.38 131.25 1,086.17 10 1,048.56 10 3.6 1,031.70 1,011.28 986.73
DelawareÌý 800.20 330.90 128.01 1,159.86 8 1,145.66 8 1.2 1,125.74 1,101.12 1,065.37
D.C. 674.79 477.17 228.59 1,246.80 6 1,202.16 5 3.7 1,191.47 1,187.54 1,154.91
FloridaÌý 903.30 312.33 123.10 1,259.55 5 1,185.31 6 6.3 1,140.85 1,143.98 1,128.54
GeorgiaÌý 612.41 351.95 164.71 966.00 14 896.50 14 7.8 839.94 800.58 768.34
Hawaii 459.78 327.79 103.02 781.90 33 762.75 31 2.5 751.61 739.26 735.17
IdahoÌý 358.45 229.83 122.90 599.77 51 573.83 51 4.5 571.74 553.38 534.56
IllinoisÌý 467.99 322.33 131.89 836.67 27 803.64 26 4.1 775.24 744.75 731.31
IndianaÌý 399.15 264.22 126.48 692.29 43 666.74 43 3.8 642.27 621.77 637.46
IowaÌý 311.99 231.81 193.99 628.10 50 599.03 50 4.9 585.71 572.14 561.26
KansasÌý 366.67 269.98 246.23 713.50 39 698.45 39 2.2 688.82 660.29 632.07
KentuckyÌý 548.90 280.74 147.32 838.89 26 801.97 27 4.6 783.06 772.80 759.70
LouisianaÌý 835.28 438.37 222.45 1,302.11 2 1,231.77 3 5.7 1,192.92 1,146.29 1,112.53
MaineÌý 354.95 273.79 105.29 650.38 47 617.73 48 5.3 606.90 592.82 582.71
Maryland 646.54 375.51 158.50 1,076.56 11 1,016.73 11 5.9 1,001.16 979.15 966.29
MassachusettsÌý 623.01 408.17 139.30 1,096.53 9 1,058.50 9 3.6 1,035.52 1,007.98 976.65
Michigan 812.16 436.72 158.69 1,270.70 4 1,231.39 4 3.2 1,227.36 1,131.46 1,048.87
MinnesotaÌý 466.75 244.98 188.95 808.00 29 787.74 28 2.6 772.51 744.53 718.61
Mississippi 471.70 344.01 220.01 858.64 24 827.31 24 3.8 796.99 768.20 748.44
MissouriÌý 444.65 291.35 189.68 791.03 31 745.04 34 6.2 724.15 704.22 683.82
MontanaÌý 388.16 270.43 232.81 706.88 41 692.48 40 2.1 694.67 677.83 658.42
NebraskaÌý 381.80 248.74 234.45 708.36 40 681.54 41 3.9 658.79 638.67 616.78
NevadaÌý 713.15 318.36 116.39 1,026.22 12 990.17 12 3.6 969.66 935.90 905.82
New HampshireÌý 410.61 319.85 114.86 801.52 30 775.03 30 3.4 751.28 733.02 717.15
New JerseyÌý 902.97Ìý 390.94 131.04 1,309.29 1 1,265.58 1 3.5 1,263.69 1,254.39 1,220.00
New MexicoÌý 495.33 290.17 178.38 780.79 34 762.37 32 2.4 749.43 722.66 695.09
New YorkÌý 840.00 414.27 178.10 1,301.64 3 1,234.87 2 5.4 1,208.89 1,181.91 1,151.78
North CarolinaÌý 370.54 321.05 145.12 699.91 42 655.37 46 6.8 643.84 624.76 611.18
North DakotaÌý 296.56 248.18 228.79 639.10 49 637.54 47 0.2 630.24 606.56 576.08
OhioÌý 407.68 284.94 124.30 726.95 38 702.63 38 3.5 682.71 659.37 634.91
OklahomaÌý 476.10 331.07 233.14 850.62 25 825.92 25 3.0 807.81 768.25 740.11
OregonÌý 622.14 238.91 96.94 877.09 21 828.03 23 5.9 818.84 783.46 741.51
PennsylvaniaÌý 515.38 346.32 155.47 918.11 18 878.20 16 4.5 858.10 841.42 827.75
Rhode IslandÌý 790.13 438.86 135.57 1,193.58 7 1,146.97 7 4.1 1,106.09 1,066.27 1,034.52
South CarolinaÌý 571.62 284.41 190.67 922.66 17 853.53 20 8.1 824.59 794.40 772.14
South DakotaÌý 310.82 219.21 277.34 648.01 48 615.78 49 5.2 601.33 579.37 556.51
TennesseeÌý 423.47 322.28 153.22 759.99 37 737.28 35 3.1 724.80 704.20 673.90
TexasÌý 575.17 403.29 215.84 1,008.91 13 934.22 13 8.0 905.64 864.24 823.80
UtahÌý 523.73 276.41 113.49 824.46 28 784.10 29 5.1 766.27 733.51 713.20
VermontÌý 344.81 310.77 134.78 691.56 44 680.18 42 1.7 665.17 655.66 643.47
VirginiaÌý 446.10 295.50 142.30 785.82 32 750.81 33 4.7 743.15 718.73 691.80
WashingtonÌý 621.27 281.24 108.87 924.47 16 884.23 15 4.6 871.82 838.30 809.56
West VirginiaÌý 493.72 339.00 208.95 870.23 22 855.25 19 1.8 870.84 858.85 846.74
WisconsinÌý 385.51 238.26 143.62 688.32 45 664.81 44 3.5 646.47 621.07 598.84
WyomingÌý 329.06 284.65 263.98 677.53 46 656.64 45 3.2 668.81 639.51 623.70
United States $566.51 $342.40 $153.32 $935.80 Ìý $889.09 Ìý 5.3% $865.46 $838.61 $812.40

(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: © 2018 National Association of Insurance Commissioners (NAIC).

 
Average Expenditures For Auto Insurance By State, 2013-2017
Export To Excel

Ìý

Ìý 2017 2016 Ìý Average expenditure
State Liability Collision Compre-
hensive		 Average
expenditure		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent change,
2016-2017		 2015 2014 2013
AlabamaÌý $478.68 $366.12 $169.90 $856.67 31 $791.40 37 8.2% $739.93 $709.48 $685.91
AlaskaÌý 561.06 370.63 140.50 930.20 23 911.37 17 2.1 915.59 924.80 923.07
ArizonaÌý 607.66 312.95 204.93 994.42 17 926.76 21 7.3 877.11 857.76 828.76
ArkansasÌý 458.33 364.07 216.70 848.24 32 781.00 36 8.6 742.44 736.57 715.32
CaliforniaÌý 565.70 453.88 96.15 957.08 21 892.64 22 7.2 840.65 807.58 782.57
ColoradoÌý 639.99 326.39 228.32 1,050.19 15 945.59 18 11.1 869.84 824.06 779.12
ConnecticutÌý 743.61 398.50 133.91 1,168.33 9 1,108.65 10 5.4 1,074.95 1,054.22 1,031.10
DelawareÌý 843.98 344.34 133.19 1,221.29 8 1,173.92 8 4.0 1,146.44 1,125.65 1,104.46
D.C. 744.18 497.81 224.28 1,334.11 6 1,258.45 5 6.0 1,206.00 1,187.97 1,175.03
FloridaÌý 964.28 343.41 137.88 1,356.90 3 1,268.19 6 7.0 1,190.50 1,139.30 1,142.47
GeorgiaÌý 735.15 381.66 169.68 1,127.22 13 1006.30 14 12.0 929.72 869.19 821.71
Hawaii 468.99 342.17 106.97 803.45 37 780.44 31 2.9 761.05 751.11 741.37
IdahoÌý 403.37 246.22 130.86 678.57 48 633.41 51 7.1 599.02 582.08 560.86
IllinoisÌý 507.40 336.00 133.32 897.07 25 852.80 26 5.2 811.40 781.48 749.10
IndianaÌý 432.08 277.65 130.71 744.39 43 705.53 43 5.5 671.16 645.17 624.04
IowaÌý 339.12 244.39 211.60 674.33 49 635.99 50 6.0 608.94 587.75 574.32
KansasÌý 399.96 280.48 267.10 766.50 41 719.74 39 6.5 708.98 692.03 662.80
KentuckyÌý 585.99 300.45 157.38 896.33 26 840.07 27 6.7 801.75 780.83 770.87
LouisianaÌý 936.94 468.87 231.76 1,443.72 1 1,328.81 3 8.6 1,254.37 1,209.60 1,161.25
MaineÌý 370.18 286.22 108.54 667.38 50 646.63 48 3.2 619.02 596.58 584.38
Maryland 700.58 393.57 162.34 1,149.42 10 1,081.72 11 6.3 1,020.65 998.56 976.31
MassachusettsÌý 642.92 427.17 145.10 1,136.60 12 1,096.53 9 3.7 1,058.50 1,035.52 1,007.98
Michigan 873.73 462.80 157.50 1,358.62 2 1,304.10 4 4.2 1,268.10 1,230.25 1,132.66
MinnesotaÌý 483.93 257.41 197.67 840.12 33 809.57 28 3.8 791.72 771.62 743.00
Mississippi 511.45 365.06 229.41 930.45 22 879.13 24 5.8 840.48 806.99 777.48
MissouriÌý 492.63 305.96 204.08 869.14 30 807.52 34 7.6 758.32 729.47 707.19
MontanaÌý 423.03 278.31 267.84 784.72 38 731.14 40 7.3 704.70 702.20 683.81
NebraskaÌý 417.32 263.68 253.30 766.89 40 722.68 41 6.1 693.87 664.89 644.10
NevadaÌý 798.52 344.81 115.46 1,141.02 11 1062.44 12 7.4 1,012.69 984.21 949.27
New HampshireÌý 425.84 319.72 115.63 824.03 34 801.96 30 2.8 775.17 749.81 732.35
New JerseyÌý 932.43 403.19 129.12 1,350.28 4 1,306.73 1 3.3 1,274.30 1,267.08 1,256.69
New MexicoÌý 548.33 304.46 197.95 870.23 29 819.68 32 6.2 794.54 779.23 747.23
New YorkÌý 869.13 437.13 179.31 1,349.72 5 1,303.25 2 3.6 1,247.76 1,207.86 1,179.63
North CarolinaÌý 371.51 333.60 133.49 705.56 46 667.65 46 5.7 639.01 643.84 624.76
North DakotaÌý 303.66 263.72 241.51 659.94 51 639.13 47 3.3 637.24 628.58 604.97
OhioÌý 438.68 297.50 128.46 777.80 39 743.13 38 4.7 714.47 691.35 662.20
OklahomaÌý 502.71 343.57 254.61 895.36 27 854.78 25 4.7 826.43 806.68 767.73
OregonÌý 677.07 265.06 101.80 961.21 20 889.04 23 8.1 831.80 818.02 783.84
PennsylvaniaÌý 539.44 363.42 162.59 961.40 19 915.94 16 5.0 880.90 857.45 840.44
Rhode IslandÌý 869.96 460.49 136.58 1,300.60 7 1,230.85 7 5.7 1,170.98 1,122.38 1,077.85
South CarolinaÌý 645.39 302.52 197.24 1,020.35 16 930.77 20 9.6 870.56 827.30 795.05
South DakotaÌý 327.34 236.35 308.71 693.42 47 652.30 49 6.3 624.52 598.92 578.19
TennesseeÌý 456.05 343.10 158.13 820.63 35 778.80 35 5.4 753.73 737.33 714.89
TexasÌý 631.22 430.54 234.17 1,096.82 14 1,008.91 13 8.7 934.22 905.64 864.24
UtahÌý 568.07 293.62 122.44 889.67 28 829.41 29 7.3 792.19 765.91 733.43
VermontÌý 375.02 324.51 142.83 762.59 42 732.97 42 4.0 700.46 673.89 663.09
VirginiaÌý 468.79 305.61 146.00 819.77 36 785.60 33 4.3 756.47 740.78 717.73
WashingtonÌý 666.72 297.16 113.77 994.03 18 935.36 15 6.3 890.17 871.31 840.45
West VirginiaÌý 513.12 345.68 213.34 913.39 24 897.92 19 1.7 883.34 874.83 863.02
WisconsinÌý 412.46 243.52 148.83 731.20 45 701.47 44 4.2 670.98 648.54 623.17
WyomingÌý 354.35 290.18 291.22 742.20 44 714.17 45 3.9 692.05 676.91 647.66
United States $611.12 $363.08 $159.72 $1,004.58 Ìý $944.36 Ìý 6.4% $896.75 $868.81 $841.06

(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: © 2020 National Association of Insurance Commissioners (NAIC).

 
Average Expenditures For Auto Insurance By State, 2014-2018
Export To Excel

Ìý

Ìý 2018 2017 Ìý Average expenditure
State Liability Collision Compre-
hensive		 Average
expenditure		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent change,
2017-2018		 2016 2015 2014
AlabamaÌý $511.13 $380.51 $175.28 $904.56 31 $857.56 31 5.5% $791.39 $739.93 $710.66
AlaskaÌý 576.09 387.12 147.87 965.44 23 931.43 22 3.7 911.37 915.59 924.71
ArizonaÌý 646.75 326.28 208.25 1,046.40 17 995.62 17 5.1 926.76 877.11 858.12
ArkansasÌý 486.72 375.25 235.36 898.89 32 849.37 32 5.8 781.00 742.44 736.74
CaliforniaÌý 616.51 483.60 94.72 1,034.05 19 965.05 19 7.1 898.84 840.65 807.58
ColoradoÌý 687.40 330.50 272.44 1,132.81 15 1,052.50 15 7.6 945.59 869.84 823.88
ConnecticutÌý 784.70 407.54 133.86 1,216.55 10 1,168.80 9 4.1 1,108.67 1074.96 1,054.23
DelawareÌý 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
FloridaÌý 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
GeorgiaÌý 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
IdahoÌý 425.89 262.67 139.75 722.06 47 679.28 48 6.3 633.40 599.02 581.01
IllinoisÌý 515.94 339.04 140.57 916.49 27 897.49 25 2.1 852.81 811.40 781.31
IndianaÌý 442.69 286.49 135.63 767.72 43 745.27 43 3.0 705.52 671.16 645.30
IowaÌý 348.87 252.65 214.65 700.71 49 674.93 49 3.8 635.99 608.94 587.80
KansasÌý 421.78 287.24 276.33 805.15 39 767.34 41 4.9 719.73 708.98 692.06
KentuckyÌý 611.54 312.51 164.68 936.91 26 897.43 26 4.4 840.04 801.75 780.79
LouisianaÌý 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
MaineÌý 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
MassachusettsÌý 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
MinnesotaÌý 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
MissouriÌý 520.45 315.49 216.92 913.81 30 870.28 30 5.0 807.52 758.33 730.43
MontanaÌý 435.81 283.65 306.00 825.87 38 784.77 38 5.2 730.99 704.70 700.33
NebraskaÌý 429.35 272.48 260.97 796.87 40 768.22 40 3.7 722.68 693.87 664.80
NevadaÌý 900.40 366.54 119.28 1,260.43 9 1,142.92 11 10.3 1,062.42 1012.70 983.98
New HampshireÌý 436.76 327.30 118.58 847.58 36 824.76 34 2.8 801.96 775.17 749.70
New JerseyÌý 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 MexicoÌý 576.81 311.24 214.10 915.62 28 871.03 29 5.1 819.68 794.54 778.93
New YorkÌý 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 CarolinaÌý 391.29 342.13 137.45 734.06 46 703.88 46 4.3 666.37 639.01 643.84
North DakotaÌý 307.97 279.45 256.76 686.08 51 662.32 51 3.6 639.13 637.24 628.60
OhioÌý 448.59 302.57 130.74 794.91 41 778.51 39 2.1 743.12 714.47 691.60
OklahomaÌý 508.89 346.73 267.99 915.49 29 896.49 27 2.1 854.78 826.43 806.68
OregonÌý 689.74 280.61 106.87 990.21 21 962.41 20 2.9 889.03 831.80 816.92
PennsylvaniaÌý 555.42 376.21 169.21 991.23 20 962.27 21 3.0 915.96 881.13 858.84
Rhode IslandÌý 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 CarolinaÌý 702.37 318.08 207.09 1,093.97 16 1,021.90 16 7.1 930.76 870.57 827.30
South DakotaÌý 333.44 244.47 327.11 721.67 48 696.09 47 3.7 652.30 624.52 599.12
TennesseeÌý 477.07 355.01 163.83 855.78 34 821.49 35 4.2 778.80 753.73 739.21
TexasÌý 659.47 442.88 269.90 1,152.25 14 1,096.82 14 5.1 1,008.91 934.22 905.64
UtahÌý 601.77 309.20 127.53 941.14 24 891.08 28 5.6 829.39 792.20 764.44
VermontÌý 376.99 329.47 147.81 778.29 42 762.54 42 2.1 732.96 700.46 674.08
VirginiaÌý 492.68 316.05 148.25 853.78 35 820.58 36 4.0 785.59 756.46 743.72
WashingtonÌý 689.18 312.65 118.19 1,035.34 18 994.89 18 4.1 935.35 890.18 872.91
West VirginiaÌý 521.74 350.20 224.86 938.71 25 914.16 24 2.7 897.94 883.34 876.13
WisconsinÌý 422.28 247.95 159.82 755.97 45 731.84 45 3.3 701.47 670.98 649.36
WyomingÌý 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 Ìý $1,006.33 Ìý 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).

 
Average Expenditures For Auto Insurance By State, 2015-2019
Export To Excel

Ìý

Ìý 2019 2018 Ìý Average expenditure
State Liability Collision Compre-
hensive		 Average
expenditure		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent change
2018-2019		 2017 2016 2015
AlabamaÌý $527.20 $390.19 $180.11 $932.14 29 $906.36 31 2.8% $857.56 $791.39 $739.93
AlaskaÌý 584.90 401.87 155.11 991.09 21 965.45 23 2.7 931.43 911.37 915.59
ArizonaÌý 662.55 327.86 208.38 1,063.93 18 1,049.00 17 1.4 997.60 926.76 877.11
ArkansasÌý 484.37 372.65 240.54 897.92 32 899.11 32 -0.1 849.37 781.00 742.44
CaliforniaÌý 627.77 495.18 96.53 1,051.79 19 1,033.97 19 1.7 965.05 898.84 840.66
ColoradoÌý 704.82 332.26 298.01 1,174.87 14 1,133.14 15 3.7 1,052.61 945.59 869.84
ConnecticutÌý 799.45 412.78 134.01 1,237.55 11 1,217.25 11 1.7 1,168.79 1,108.67 1,074.96
DelawareÌý 897.87 354.76 136.31 1,289.93 9 1,291.51 8 -0.1 1,224.85 1,173.97 1,146.45
D.C. 819.36 539.48 221.94 1,440.58 4 1,429.36 3 0.8 1,336.73 1,258.46 1,206.03
FloridaÌý 997.20 355.69 153.00 1,414.17 5 1,427.23 4 -0.9 1,353.35 1,262.25 1,190.50
GeorgiaÌý 829.86 420.60 180.37 1,259.49 10 1,218.18 10 3.4 1,134.33 1,006.28 929.72
Hawaii 478.83 370.53 106.29 839.87 37 829.16 37 1.3 804.05 780.42 761.06
IdahoÌý 433.66 270.36 142.89 738.10 48 722.14 47 2.2 679.28 633.40 599.02
IllinoisÌý 521.11 351.27 144.65 939.64 26 918.82 27 2.3 899.62 852.81 811.40
IndianaÌý 444.98 288.97 138.86 777.05 43 771.23 43 0.8 747.98 705.52 671.16
IowaÌý 350.31 250.96 221.72 714.86 49 700.70 49 2.0 674.93 635.99 608.94
KansasÌý 426.14 285.92 286.48 818.99 39 806.67 39 1.5 768.50 719.73 708.98
KentuckyÌý 609.98 307.91 168.11 935.61 27 951.86 24 -1.7 910.99 840.04 801.75
LouisianaÌý 1,023.91 485.01 252.34 1,557.22 1 1,549.98 1 0.5 1,449.48 1,328.80 1,254.37
MaineÌý 375.40 297.60 115.26 696.37 51 687.47 50 1.3 668.07 646.64 619.16
Maryland 749.18 430.21 168.01 1,236.61 12 1,211.87 12 2.0 1,150.74 1,081.81 1,020.68
MassachusettsÌý 664.92 447.05 149.86 1,182.69 13 1,167.16 13 1.3 1,136.60 1,096.53 1,058.50
Michigan 979.47 478.54 162.01 1,495.94 2 1,471.65 2 1.7 1,361.65 1,304.11 1,268.10
MinnesotaÌý 502.32 274.20 214.55 892.17 33 872.82 33 2.2 841.11 809.56 791.72
Mississippi 544.43 364.63 238.95 975.58 23 973.86 22 0.2 933.01 879.13 840.48
MissouriÌý 527.59 318.44 223.94 929.91 30 916.77 29 1.4 872.16 807.52 758.33
MontanaÌý 437.69 286.02 313.27 834.86 38 825.90 38 1.1 784.76 730.99 704.70
NebraskaÌý 431.71 272.97 269.19 807.30 40 796.89 41 1.3 768.22 722.68 693.87
NevadaÌý 925.71 374.59 119.19 1,292.52 8 1,262.25 9 2.4 1,143.54 1,062.42 1,012.70
New HampshireÌý 442.52 334.15 120.48 864.35 34 848.17 36 1.9 824.77 801.96 775.17
New JerseyÌý 958.31 422.29 129.97 1,395.53 6 1,385.53 6 0.7 1,351.08 1,306.73 1,274.30
New MexicoÌý 584.25 315.88 222.43 932.67 28 915.74 30 1.8 871.03 819.68 794.54
New YorkÌý 932.46 469.82 172.85 1,445.30 3 1,425.39 5 1.4 1,350.50 1,303.15 1,245.32
North CarolinaÌý 392.06 344.07 138.40 741.70 47 727.09 46 2.0 693.13 666.37 639.01
North DakotaÌý 312.30 284.09 264.98 703.73 50 686.09 51 2.6 662.31 639.13 637.24
OhioÌý 447.86 303.55 131.37 802.72 41 802.21 40 0.1 784.51 743.12 714.47
OklahomaÌý 504.79 338.87 270.19 908.95 31 918.03 28 -1.0 898.48 854.78 826.43
OregonÌý 684.81 281.69 109.76 990.00 22 990.30 21 0.0 962.41 889.03 831.80
PennsylvaniaÌý 548.58 383.01 171.18 992.33 20 996.64 20 -0.4 966.22 915.96 881.13
Rhode IslandÌý 918.30 491.19 141.03 1,382.64 7 1,348.83 7 2.5 1,300.64 1,230.90 1,170.98
South CarolinaÌý 715.26 317.95 211.29 1,114.90 16 1,098.57 16 1.5 1,025.22 930.76 870.57
South DakotaÌý 337.11 248.09 347.61 745.33 46 721.76 48 3.3 696.09 652.30 624.52
TennesseeÌý 479.43 353.43 168.07 863.39 35 858.20 34 0.6 823.28 778.80 753.73
TexasÌý 650.17 434.46 285.56 1,143.85 15 1,152.25 14 -0.7 1,096.82 1,008.91 934.22
UtahÌý 615.15 308.40 127.15 954.14 24 941.19 25 1.4 891.08 829.39 792.20
VermontÌý 374.06 333.38 148.88 785.37 42 777.93 42 1.0 762.54 732.96 700.46
VirginiaÌý 491.51 323.76 149.42 861.18 36 855.75 35 0.6 821.42 785.59 756.46
WashingtonÌý 705.11 325.38 121.13 1,066.84 17 1,035.59 18 3.0 994.88 935.35 890.18
West VirginiaÌý 515.20 352.97 225.50 946.03 25 938.78 26 0.8 914.16 897.94 883.34
WisconsinÌý 421.21 250.73 168.52 767.42 45 756.20 45 1.5 732.20 701.47 670.98
WyomingÌý 356.08 292.37 335.04 776.22 44 765.83 44 1.4 744.50 714.17 692.05
United States $650.35 $381.43 $171.87 $1,070.47 Ìý $1,059.41 Ìý 1.0% $1,008.52 $945.02 $896.66

(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: © 2022 National Association of Insurance Commissioners (NAIC).

 
Average Expenditures For Auto Insurance By State, 2016-2020
Export To Excel

Ìý

Ìý 2020 2019 Ìý Average expenditure
State Liability Collision Compre-
hensive		 Average
expenditure		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent change
2019-2020		 2018 2017 2016
AlabamaÌý $517.20 $377.40 $185.53 $917.53 25 $926.78 30 -1.0% $906.76 $857.56 $791.39
AlaskaÌý 564.76 394.55 155.74 969.54 21 991.07 21 -2.2 965.45 931.43 911.37
ArizonaÌý 647.18 312.69 209.15 1042.21 18 1065.1 18 -2.1 1048.98 997.6 926.76
ArkansasÌý 467.89 366.23 245.01 878.76 33 900.36 32 -2.4 901.11 849.37 781
CaliforniaÌý 618.24 501.64 97.26 1049.66 17 1051.79 19 -0.2 1033.97 965.05 898.84
ColoradoÌý 695.39 322.6 311.88 1171.95 13 1175.37 14 -0.3 1133.09 1052.61 945.61
ConnecticutÌý 790.92 399.56 138.94 1228.87 11 1236.49 11 -0.6 1217.06 1168.79 1108.66
DelawareÌý 863.13 345.3 140.29 1252.35 9 1287.07 9 -2.7 1289.62 1224.85 1173.97
D.C. 794.22 528.49 224.27 1415.18 4 1439.92 4 -1.7 1429.39 1336.73 1258.46
FloridaÌý 974.1 328.39 156.01 1371.99 6 1414.11 5 -3.0 1427.17 1353.35 1262.25
GeorgiaÌý 828.52 413.21 182.76 1254.83 8 1264.59 10 -0.8 1218.43 1134.33 1006.28
Hawaii 451.78 363.05 107.22 809.72 38 839.75 37 -3.6 829.01 804.05 780.42
IdahoÌý 420.87 266.28 145.11 724.41 48 739.91 48 -2.1 722.02 679.28 633.37
IllinoisÌý 501.47 348.13 146.84 914.65 27 941.01 26 -2.8 919.14 899.62 853.14
IndianaÌý 435.25 283.7 140.36 765.73 44 780.69 43 -1.9 771.04 747.98 705.52
IowaÌý 342.15 249.24 230.98 707.9 49 708.56 49 -0.1 700.67 674.93 641.41
KansasÌý 409.45 274.41 283.13 793.45 40 817.89 39 -3.0 806.96 768.5 719.78
KentuckyÌý 592.94 289.46 169.18 908.57 29 947.47 25 -4.1 951.85 910.99 840.04
LouisianaÌý 978.77 452.29 253.8 1494.7 1 1560.01 1 -4.2 1549.82 1449.48 1328.78
MaineÌý 372.04 293.79 123 703.81 50 696.54 51 1.0 687.26 668.06 646.64
Maryland 726.18 415.17 170.8 1201.21 12 1231.6 12 -2.5 1211.83 1150.74 1081.81
MassachusettsÌý 648.92 449.71 149.81 1169.84 14 1182.69 13 -1.1 1167.16 1136.6 1096.53
Michigan 901.28 463.4 168.42 1418.5 3 1498.41 2 -5.3 1446.43 1361.65 1304.11
MinnesotaÌý 486.76 269.48 216.76 880.95 32 892.05 33 -1.2 873.48 841.11 810.21
Mississippi 539.79 362.89 246.11 979.23 20 977.79 23 0.1 973.74 933.01 879.13
MissouriÌý 509.37 309.63 223.25 909.16 28 933.55 28 -2.6 917.4 872.16 807.52
MontanaÌý 431.04 289.74 309.68 833.9 37 836.54 38 -0.3 825.9 784.76 730.97
NebraskaÌý 417.97 270.64 268.82 795.86 39 807.47 40 -1.4 797.43 768.22 723.55
NevadaÌý 899.24 351.18 115.8 1246.54 10 1292.63 8 -3.6 1262.24 1143.54 1062.42
New HampshireÌý 430.46 325.17 122.37 847.58 35 864.78 35 -2.0 847.79 824.77 801.96
New JerseyÌý 903.11 406.58 132.04 1333.61 7 1389.7 6 -4.0 1379.68 1351.08 1306.73
New MexicoÌý 560.94 308.95 219.93 905.1 30 932.7 29 -3.0 915.74 871.03 819.68
New YorkÌý 922.89 454.74 176.64 1436.45 2 1443.53 3 -0.5 1425.22 1350.5 1303.14
North CarolinaÌý 395.81 329.98 154.91 753.37 45 754.42 46 -0.1 739.49 693.13 666.37
North DakotaÌý 303.85 279.58 260.2 691.77 51 703.69 50 -1.7 687.91 662.31 640.19
OhioÌý 432.77 294.28 134.41 781.1 42 806.07 41 -3.1 802.02 784.51 743.12
OklahomaÌý 488.21 329.89 268.04 888.05 31 913.64 31 -2.8 920.32 898.48 854.81
OregonÌý 655.17 266.4 108.52 951.71 23 990.29 22 -3.9 990.24 962.41 889.03
PennsylvaniaÌý 527.9 373.67 174.17 969.32 22 996.52 20 -2.7 995.42 966.22 915.96
Rhode IslandÌý 912.94 493.81 148.9 1390.93 5 1383.89 7 0.5 1350 1300.64 1230.88
South CarolinaÌý 714.58 312.48 217.12 1113.06 15 1116.11 16 -0.3 1097.8 1025.22 930.76
South DakotaÌý 325.36 246.11 353.1 738.59 47 745.23 47 -0.9 723.35 696.09 656.1
TennesseeÌý 471.31 342.34 172.97 854.36 34 864.89 34 -1.2 858.37 823.28 778.8
TexasÌý 611.54 411.65 279.44 1085.4 16 1143.91 15 -5.1 1152.46 1096.92 1009.02
UtahÌý 605.38 297.89 125.75 937.38 24 954.56 24 -1.8 941.12 891.08 829.39
VermontÌý 367.12 329.94 155.06 785.81 41 783.69 42 0.3 777.86 762.54 732.96
VirginiaÌý 480.72 315.62 148.84 846.37 36 858.77 36 -1.4 855.55 821.42 785.59
WashingtonÌý 680.84 313.67 120.72 1035.01 19 1068.37 17 -3.1 1035.59 994.88 935.35
West VirginiaÌý 495.2 342.93 226.86 915.49 26 939.14 27 -2.5 938.77 914.16 897.94
WisconsinÌý 406.82 244.82 170.05 752.98 46 767.65 45 -1.9 756.05 732.2 702.67
WyomingÌý 343.13 282.47 351.65 769.63 43 777.12 44 -1.0 765.8 744.5 714.17
United States $631.19 $370.73 $174.26 $1,047.11 Ìý $1,071.41 Ìý -2.3% $1,059.24 $1,008.53 $945.22

(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: © 2023 National Association of Insurance Commissioners (NAIC).

 
Average Expenditures For Auto Insurance By State, 2017-2021
Export To Excel

Ìý

Ìý 2021 2020 Ìý Average expenditure
State Liability Collision Compre-
hensive		 Average
expenditure		 Rank (1) Average
expenditure		 Rank (1) Average
expenditure
percent change
2020-2021		 2019 2018 2017
AlabamaÌý $521.19 $378.23 $188.19 $926.43 26 $917.61 25 1.0% $927.51 $906.76 $857.56
AlaskaÌý 563.16 404.04 155.04 978.96 21 967.26 22 1.2 991.00 965.45 931.43
ArizonaÌý 659.15 322.82 219.29 1,073.30 17 1,041.34 18 3.1 1,065.01 1,048.98 997.63
ArkansasÌý 467.27 373.62 248.44 886.29 33 878.37 33 0.9 900.36 901.11 849.38
CaliforniaÌý 603.68 510.02 99.11 1,046.74 18 1,047.94 17 -0.1 1,051.82 1,025.07 965.05
ColoradoÌý 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
ConnecticutÌý 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
DelawareÌý 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
FloridaÌý 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
GeorgiaÌý 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
IdahoÌý 424.10 275.23 149.12 741.54 48 724.63 48 2.3 739.88 722.02 679.02
IllinoisÌý 494.52 355.02 152.01 918.72 28 914.31 27 0.5 940.92 919.14 899.68
IndianaÌý 429.30 284.64 144.51 767.57 45 765.81 44 0.2 780.69 771.04 747.97
IowaÌý 343.23 257.24 241.15 725.30 49 707.69 49 2.5 708.56 700.67 675.85
KansasÌý 417.15 279.76 293.78 815.46 40 792.93 40 2.8 817.88 806.96 768.41
KentuckyÌý 580.97 288.96 170.45 902.01 29 908.38 29 -0.7 947.49 951.85 910.98
LouisianaÌý 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
MaineÌý 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
MassachusettsÌý 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
MinnesotaÌý 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
MissouriÌý 513.00 317.58 232.67 929.44 25 908.57 28 2.3 933.54 917.40 872.16
MontanaÌý 427.13 294.17 313.40 846.15 37 834.32 37 1.4 836.46 825.90 784.87
NebraskaÌý 418.30 283.00 281.71 816.44 39 795.35 39 2.7 807.44 797.43 768.08
NevadaÌý 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 HampshireÌý 429.82 325.59 125.38 852.14 36 848.30 35 0.5 864.76 847.79 824.77
New JerseyÌý 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 MexicoÌý 549.29 308.39 214.98 892.51 31 903.87 30 -1.3 932.65 915.74 871.02
New YorkÌý 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 CarolinaÌý 400.69 346.86 162.24 780.19 43 752.65 45 3.7 753.94 739.49 693.13
North DakotaÌý 299.99 275.01 248.56 691.50 51 691.37 51 0.0 703.66 687.91 662.12
OhioÌý 422.07 293.65 136.49 776.24 44 780.78 42 -0.6 806.07 802.02 784.51
OklahomaÌý 484.29 335.20 275.17 896.01 30 887.55 31 1.0 913.63 920.32 898.50
OregonÌý 643.87 269.52 111.44 947.47 24 951.46 23 -0.4 990.24 990.24 962.41
PennsylvaniaÌý 518.22 374.29 178.76 968.38 22 968.94 21 -0.1 996.56 995.42 966.22
Rhode IslandÌý 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 CarolinaÌý 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 DakotaÌý 331.05 256.15 371.52 767.49 46 738.29 47 4.0 745.21 723.35 696.34
TennesseeÌý 472.13 350.83 177.73 869.86 34 854.24 34 1.8 864.94 858.37 823.28
TexasÌý 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
UtahÌý 609.64 307.15 130.64 951.67 23 936.73 24 1.6 954.53 941.12 891.07
VermontÌý 360.57 330.23 155.00 780.45 42 784.32 41 -0.5 783.69 777.86 762.55
VirginiaÌý 485.95 323.24 151.39 863.84 35 845.25 36 2.2 858.75 855.55 821.42
WashingtonÌý 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 VirginiaÌý 489.04 345.76 229.73 918.91 27 914.53 26 0.5 939.04 938.77 914.16
WisconsinÌý 400.94 248.24 175.05 757.50 47 747.67 46 1.3 767.65 756.05 732.46
WyomingÌý 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 Ìý $1,046.37 Ìý 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.