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AVERAGE EXPENDITURES FOR AUTO INSURANCE BY STATE, 2004-2008

	2008	2007		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		$796		-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.