| Average Expenditures For Auto Insurance By State, 2018-2022 |
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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 |
| Alabama |
$529.39 |
$397.21 |
$201.70 |
$965.91 |
27 |
$928.14 |
26 |
4.1% |
$919.04 |
$927.51 |
$906.76 |
| Alaska |
578.11 |
415.28 |
161.18 |
1,013.98 |
23 |
975.76 |
21 |
3.9 |
967.26 |
991.00 |
965.45 |
| Arizona |
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 |
| Arkansas |
482.66 |
390.78 |
259.16 |
924.44 |
34 |
885.41 |
33 |
4.4 |
876.72 |
900.36 |
901.11 |
| California |
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 |
| Colorado |
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 |
| Connecticut |
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 |
| Delaware |
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 |
| Florida |
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 |
| Georgia |
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 |
| Idaho |
439.55 |
283.24 |
157.34 |
772.31 |
49 |
741.29 |
48 |
4.2 |
724.63 |
739.88 |
722.02 |
| Illinois |
524.25 |
383.95 |
171.52 |
993.77 |
26 |
918.48 |
28 |
8.2 |
915.53 |
940.92 |
919.14 |
| Indiana |
443.37 |
306.47 |
155.35 |
814.21 |
45 |
767.42 |
46 |
6.1 |
769.45 |
780.69 |
771.04 |
| Iowa |
355.75 |
277.94 |
264.11 |
776.25 |
48 |
725.22 |
49 |
7.0 |
707.69 |
708.56 |
700.67 |
| Kansas |
437.55 |
301.79 |
312.69 |
867.32 |
39 |
815.09 |
40 |
6.4 |
792.71 |
817.88 |
806.96 |
| Kentucky |
591.08 |
304.28 |
182.71 |
937.93 |
33 |
901.75 |
29 |
4.0 |
918.14 |
947.49 |
951.85 |
| Louisiana |
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 |
| Maine |
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 |
| Massachusetts |
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 |
| Minnesota |
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 |
| Missouri |
546.26 |
344.41 |
253.24 |
1,001.73 |
25 |
929.60 |
25 |
7.8 |
909.39 |
933.54 |
917.40 |
| Montana |
435.70 |
310.12 |
333.70 |
885.42 |
37 |
846.71 |
37 |
4.6 |
834.31 |
836.46 |
825.90 |
| Nebraska |
433.70 |
308.99 |
306.93 |
871.55 |
38 |
816.30 |
39 |
6.8 |
795.34 |
807.44 |
797.43 |
| Nevada |
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 Hampshire |
444.35 |
336.31 |
134.48 |
889.31 |
36 |
851.63 |
36 |
4.4 |
848.30 |
864.76 |
847.79 |
| New Jersey |
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 Mexico |
572.02 |
350.40 |
226.57 |
957.51 |
30 |
892.50 |
31 |
7.3 |
903.87 |
932.65 |
915.74 |
| New York |
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 Carolina |
418.40 |
385.88 |
186.15 |
840.24 |
42 |
790.33 |
41 |
6.3 |
765.96 |
753.96 |
739.49 |
| North Dakota |
308.02 |
283.23 |
279.38 |
728.89 |
51 |
691.23 |
51 |
5.4 |
691.38 |
703.66 |
687.91 |
| Ohio |
443.46 |
315.44 |
150.57 |
832.34 |
43 |
775.95 |
44 |
7.3 |
786.63 |
806.07 |
802.02 |
| Oklahoma |
506.75 |
367.49 |
297.84 |
959.10 |
29 |
894.83 |
30 |
7.2 |
888.47 |
913.63 |
920.32 |
| Oregon |
670.20 |
291.87 |
125.63 |
1,005.81 |
24 |
947.38 |
24 |
6.2 |
951.77 |
990.24 |
990.24 |
| Pennsylvania |
525.81 |
394.08 |
198.74 |
1,018.34 |
22 |
967.89 |
22 |
5.2 |
975.58 |
995.08 |
995.42 |
| Rhode Island |
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 Carolina |
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 Dakota |
342.45 |
272.05 |
406.45 |
822.14 |
44 |
768.54 |
45 |
7.0 |
738.38 |
745.21 |
723.35 |
| Tennessee |
488.76 |
379.45 |
193.01 |
924.39 |
35 |
869.96 |
34 |
6.3 |
856.02 |
864.94 |
858.37 |
| Texas |
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 |
| Utah |
661.63 |
328.40 |
138.96 |
1,026.13 |
21 |
951.49 |
23 |
7.8 |
936.73 |
954.53 |
941.12 |
| Vermont |
353.92 |
339.61 |
160.52 |
793.38 |
47 |
780.00 |
43 |
1.7 |
784.32 |
783.69 |
777.86 |
| Virginia |
532.48 |
350.71 |
172.16 |
949.57 |
32 |
863.76 |
35 |
9.9 |
846.19 |
858.75 |
855.55 |
| Washington |
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 Virginia |
492.78 |
354.05 |
251.77 |
952.67 |
31 |
918.56 |
27 |
3.7 |
914.53 |
939.04 |
938.77 |
| Wisconsin |
411.20 |
272.15 |
192.72 |
809.42 |
46 |
757.19 |
47 |
6.9 |
747.67 |
767.65 |
756.05 |
| Wyoming |
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 |
|
$1,062.31 |
|
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. |
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