2021 Auto Insurance Database Average Premium Supplement

2021

Auto Insurance

Database Average

Premium Supplement

September 2023

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2021 AUTO INSURANCE DATABASE SUPPLEMENT

TABLE OF

CONTENTS

INTRODUCTION 1

Introduction ................................................................................................................................................................. 1

Terms and Calculations ................................................................................................................................................ 2

AVERAGE PREMIUMS AND EXPENDITURES 3

Table 1. Liability, 2017–2021 ........................................................................................................................ 9

Table 2. Collision, 2017–2021 ..................................................................................................................... 12

Table 3. Comprehensive, 2017–2021 ......................................................................................................... 15

Table 4. Average Expenditure, 2017–2021 ................................................................................................. 18

Table 5. Combined Average Premium, 2017–2021 .................................................................................... 19

INTRODUCTION

The data used for this supplement includes written premiums and exposures for calendar years

2017-2021 for the combined voluntary and residual market. Earned and incurred loss data for

calendar/accident years 2018-2020 cannot be collected until spring of 2023 and will not be included in

this supplement. The earned and incurred loss data will be included in the full 2020/2021 Auto

Database report that will be released later this year.

The purpose of the supplement is to release written premium data and exposures on a faster timeline

than the full Auto Database report allows. The tables in this supplement, Tables 1 through Tables 5, will

be included in the full report.

Data contained in this supplement may differ from data contained in reports from previous years, as the

statistical agents periodically obtain updated information from insurers.

The insurance data was obtained from the following statistical agents: American Association of

Insurance Services (AAIS); Insurance Services Office (ISO); National Independent Statistical Service

(NISS); Independent Statistical Service, Inc. (ISS), Massachusetts Commonwealth Automobile Reinsurers

(M-CAR); and Maryland Auto Insurance Fund (MAIF). Data was also obtained from the California

Department of Insurance and the Texas Department of Insurance. The assistance of these organizations

in developing this report is greatly appreciated. There may be some data from other small statistical

agencies that are not included.

The tables in this report were prepared under the direction of the Casualty Actuarial and Statistical (C)

Task Force. Suggestions about how this database might be further improved are welcome. Questions may

be referred to Justin Cox, Data Analyst II, [email protected].

Links to this report and other NAIC reports can be found on the NAIC website at: NAIC Publications.

Terms and Calculations

Below are definitions of terms and calculations used in this report. Formulas will vary depending on the

application, so readers should note the exact methods used in this report. For example, Average Premium may

be defined as Written Premiums / Written Exposures instead of Earned Premiums / Earned Exposures.

Terms

Premium: The dollar amount paid for an insurance

policy.

Exposure: A finite unit of risk related to a specific

insurance coverage. In this report, exposures are

expressed as car-years. One car-year is the risk

associated with insuring one car for one year.

Written Premiums: The total premium amount of

all policies issued during a given time period.

Written Exposures: The total number of exposures,

in car-years, of all policies issued during a given

time period.

Example 1: An auto policy insuring two cars for six

months is issued on 9/28/2008, effective

10/1/2008. The cost of the policy is $600. The

policyholders decide to change insurers in early

2009 and cancel the policy effective 1/31/2009.

The written exposure for this policy is 2 cars × 1/2

year = 1 car-year and is included in calendar year

2008 exposures because the policy was issued in

2008. The written premium is $600 (cost of the

policy), and is included in calendar year 2008

premiums.

Formulas

Tables 1–5

Average Expenditure:

(Liability Written Premium +

Collision Written Premium +

Comprehensive Written Premium)

Liability Written Exposures

Combined Average Premium:

Liability Average Premium +

Collision Average Premium +

Comprehensive Average Premium

Liability Average Premium:

Liability Written Premiums

Liability Written Exposures

Collision Average Premium:

Collision Written Premiums

Collision Written Exposures

Comprehensive Average Premium:

Comprehensive Written Premiums

Comprehensive Written Exposures

Average Premiums and Expenditures

2017–2021 State Average Expenditures and

Average Premiums for Personal Automobile Insurance

Voluntary and Residual Market Business Combined

This section provides state average expenditures

and state average annual premium per insured

vehicle, for private passenger automobile insurance

for the years 2017–2021. These statistics measure

the relative cost of automobile insurance to

consumers in each state.

Results are included for bodily injury and property

damage liability (including no-fault), collision, and

comprehensive coverages—the basic components

of a personal auto insurance policy.

Average expenditure per insured vehicle is the total

written premium for liability, collision, and

comprehensive coverages divided by the liability

written car-years

(exposures). This assumes that all

insured vehicles carry liability coverage but do not

necessarily carry the physical damage coverages

(i.e., collision and/or comprehensive). The average

expenditure is an estimate of what consumers in

the state spent, on average, for auto insurance. In

2021, the countrywide average expenditure was

$1,062 an increase of 1.46% over the previous year.

The median state average expenditure was $926.

The state combined average premium per insured

vehicle, on the other hand, is calculated by

summing

A written car-year is equal to 365 days of insurance

coverage for a single vehicle and is the standard measure

of exposure for automobile insurance.

the average premiums for the three coverages. The

result is the average cost of an auto insurance

policy in the state that contains all three coverages

(i.e., liability, comprehensive, and collision). The

countrywide combined average premium increased

1.18% in 2021, to $1,189 over the prior year. The

median state combined average premium was

$1,068.

Aggregate written premiums and aggregate written

exposures are used in calculations with no

distinction as to policyholder classifications, vehicle

characteristics, or the selection of specific limits or

deductibles, all of which significantly impact the

cost of coverage. Nor do the results consider

differences in state auto and tort laws, rate filing

laws, traffic conditions, or other demographics.

CAUTION: Because of these differences, direct

comparisons between state results should be

treated with a high degree of caution.

Tables 1A–1C show the states’ 2017–2021 written

premiums, written exposures, and average

premiums for liability insurance. Tables 2A–2C and

Tables 3A–3C show the same for collision and

comprehensive insurance, respectively. State

average expenditures are provided in Table 4, and

state combined average premiums are displayed in

Table 5.

Factors that Affect State Average Expenditures and

Average Premiums

Many factors affect the state-to-state differences in

average expenditures and premiums for automobile

insurance. Some important factors include:

 Underwriting and loss adjustment expense

 Types of coverages purchased

 Relative amounts of coverages purchased

 Use of telematics

 Weather

 Driving locations

 Accident rates

 Traffic density

 Vehicle theft rates

 Auto repair costs

 Population density

 Medical and legal costs

 Per capita disposable income

 Rate and form filing laws

 Liability insurance requirements

 Auto laws (seat belt, speed limits, etc.)

Insurance rates are developed based primarily on

the insurer’s cost of paying claims. Certain broad

characteristics of a state contribute to the

frequency and severity of auto claims and insurer

loss costs in

that state. Many of these cost factors can influence

insurance prices, not only between states, but also

between communities and neighborhoods—making

price comparison between states and within a state

extremely complex.

It is reasonable to consider that the “general

economic conditions” in a state may affect the price

of auto insurance, but no direct measure of this

characteristic exists. There are measurable variables

that can be used as imperfect substitutes for these

general conditions to approximate their influence

on auto insurance price.

Three variables—urban population, miles driven per

number of highway miles, and disposable income

per capita—are correlated with the state auto

insurance premiums. Graphs on the following pages

show these variables for each state. The graphs

indicate that high-premium states tend to also be

highly urban, with higher wage and price levels, and

greater traffic density.

2017-2021 State Average Expenditures and

Average Premiums for Personal Automobile Insurance Technical

Notes

Average Premium =

(Coverage written premiums)/(coverage written

exposures)

Average Expenditure =

(Total all coverages written premiums)/(liability

written exposures)

Combined Average Premium =

(Liability average premium + collision average

premium + comprehensive average premium)

Coverages Included in Liability Written

Premiums

The liability written premiums data in these

tables are for the combined voluntary and

residual market business and include (but are

not limited to) the following coverages:

 Bodily Injury

 Uninsured or Underinsured Motorist

Bodily Injury

 Uninsured/Underinsured Motorist

Bodily Injury (Combined – Single

Premium)

 Medical Payments

 Property Damage

 Uninsured Motorist or Underinsured

Motorist Property Damage

 Uninsured/Underinsured Motorist

Property Damage (Combined – Single

Premium)

 Statutory Uninsured Motorist (New

York only)

 Bodily Injury/Property Damage Liability

– Combined Single Limit Single Premium

 Uninsured or Underinsured Motorist

Bodily Injury and Property Damage –

Combined Single Limit Single Premium

 Uninsured/Underinsured Motorist

Bodily Injury and Property Damage –

Combined Single Limit/Single Premium

Policies

 Medical Expenses (Virginia only)

 Package Automobile Policy – Indivisible

Liability Premium

 Voluntary Uninsured/Underinsured

Motorist (New York only)

 All Other Liability Coverages – Voluntary

Risks Only

 Property Protection Insurance

(Michigan only)

 Limited Property Damage Coverage

(Michigan only)

 No Fault or Personal Injury Protection

Data Source

Written premium and written exposure data

were obtained from AAIS, ISO, ISS, NISS, the

California Department of Insurance, the Texas

Department of Insurance, MAIF and the M-CAR.

Dividends to Policyholders

The written premiums for this report do not

include adjustments for dividends to

policyholders. The actual amount paid by

policyholders with participating policies for auto

insurance will be affected by dividends paid.

Historical Data Adjustment

Written premium and exposure data are for

2021—the most up-to-date information

reported as of year-end 2022. Data for prior

years were also adjusted to reflect the most

current information for each year. Therefore,

historical averages in this report might not

match those published in prior reports.

Miscellaneous Vehicles Not Included in

This Report

Written premium data in these tables may

differ from a state’s written premium shown in

the insurers’ filed financial annual statements.

The premium reported in the financial

statements Exhibit of Premiums and Losses

(Statutory Page 14) include data for the

following types of vehicles that are not included

in this report:

 Motor Homes

 Recreational Vehicles

 Campers

 Travel Trailers

 Buggies

 All-Terrain Vehicles

 Antique Autos

 Amphibious Autos

 Snowmobiles

 Golf Carts

 Motorcycles

 Scooters

 Mopeds

2017-2021 State Average Expenditures and Combined

Average Premiums for Personal Automobile Insurance

Additional State Information

California

The 2020 and 2021 California auto insurance data in

these tables is preliminary. The California

Department of Insurance performs a rigorous set of

tests on the data each year to ensure accuracy. The

tests are not completed until after the publication

of this report. Any adjustments to California data,

based on these tests, will appear in the next edition

of this report.

District of Columbia

The District of Columbia is entirely urban. As such,

results are not directly comparable to states with

rural areas.

Illinois

To obtain more geographically specific data, contact

the Illinois Department of Insurance.

Massachusetts

Data for Massachusetts reflects Safe Driver Plan

credits and surcharges for 2017-2021.

Maryland

Maryland Automobile Insurance Fund (MAIF) data

are included. The statutory purpose of MAIF’s

insured program is to provide auto insurance

policies to those eligible Maryland residents unable

to obtain insurance in the private market. Net

premium income and investment income from

these policies is available for the payment of claims

and MAIF’s administrative expenses. MAIF receives

no state general fund appropriations, and the debts

or obligations of MAIF are not deemed in any

manner to be a department of the state or a pledge

of its credit. MAIF is not structured as a residual

market mechanism. Instead, it is the insurer of last

resort for Maryland residents. See Section 20 of the

Insurance Article of the Maryland Ann. Code for

more details.

New Jersey

New Jersey is predominately urban. Results are not

directly comparable to states with large rural areas.

Historically, New Jersey has paid two to four times

the national average in dividends to policyholders,

and, at times, this has been as high as six times the

national average, which would reduce the average

expenditure and combined average premium for

New Jersey consumers if dividends were included in

premium.

Ohio

Minimum limits apply to mandatory financial

responsibility, which can be satisfied through means

other than insurance. Note policies issued or

renewed prior to December 22, 2013 had the limits

of 12.5/25/7.5. Financial Limits as of December 22,

2013 are 25/50/25.

Rhode Island

Rhode Island is predominately urban. Results are

not directly comparable to states with large rural

areas

Texas

The Texas Department of Insurance collects vehicle

and policies-in-force information at the end of each

calendar quarter for voluntary bodily injury liability,

involuntary (residual) bodily injury liability and

collision coverages. The average number of vehicles

reported for policies in force is used as

an approximation for written exposures.

Comprehensive exposures are estimated based

on the ratio of comprehensive to collision car years

for the years of 2018 to 2020. The data to estimate

this ratio only includes 70 percent of the

private passenger automobile market. That

ratio is approximately 0.99. The

estimate of comprehensive car-years

affects combined average premium, but the

estimate does not affect the calculation of the

average expenditure because only liability car-

years are used for that calculation.

2021 Auto Insurance Database Report Supplement

STATE 2021 2020 2019 2018 2017

Alabama 2,114,504,069 2,013,154,368 1,999,354,066 1,940,946,609 1,792,392,433

Alaska 279,769,174 274,943,211 281,024,721 273,643,422 265,497,418

Arizona 3,432,244,432 3,277,805,285 3,254,131,365 3,073,218,620 2,729,730,668

Arkansas 1,098,108,559 1,059,399,388 1,055,331,776 1,041,730,855 978,327,515

California 17,219,666,689 17,402,826,342 17,607,088,343 16,914,871,327 15,196,443,886

Colorado 3,091,334,209 3,029,021,998 3,024,356,320 2,895,845,316 2,624,892,474

Connecticut 1,902,018,209 1,836,628,884 1,796,015,030 1,868,213,649 1,727,565,731

Delaware 636,447,646 621,893,199 634,127,089 622,026,640 565,686,257

District of Columbia 209,490,802 209,120,153 211,974,142 206,529,703 189,403,247

Florida 15,513,087,488 14,186,993,723 14,154,548,923 14,069,416,038 13,240,713,993

Georgia 6,718,450,119 6,465,440,659 6,321,985,028 5,982,733,562 5,417,047,013

Hawaii 421,936,642 412,100,250 434,124,029 430,318,002 417,742,177

Idaho 589,214,915 544,722,236 528,673,569 499,087,622 456,546,558

Illinois 3,949,083,771 3,912,172,067 3,983,969,642 4,019,714,040 3,900,034,158

Indiana 2,206,830,374 2,177,385,703 2,197,849,700 2,166,475,610 2,080,326,407

Iowa 881,427,070 865,301,275 879,831,460 866,466,688 835,431,299

Kansas 997,726,452 962,932,833 989,412,296 968,572,930 910,380,572

Kentucky 2,014,414,187 2,009,733,646 2,048,151,059 2,027,132,895 1,918,514,140

Louisiana 2,936,945,403 2,915,148,622 3,017,001,548 2,974,160,945 2,755,859,776

Maine 389,693,873 374,306,853 379,075,379 372,962,507 364,067,011

Maryland 3,146,213,762 3,154,821,320 3,229,319,254 3,150,127,337 2,946,187,632

Massachusetts 2,961,044,216 2,927,198,776 3,001,945,822 2,934,073,395 2,836,967,911

Michigan 4,721,273,440

5,178,397,010 5,646,057,443 5,362,856,619 4,978,944,737

Minnesota 2,054,376,581 2,043,537,731 2,105,128,709 2,077,712,306 1,977,129,997

Mississippi 1,147,168,464 1,072,757,764 1,064,395,103 1,051,335,808 991,538,048

Missouri 2,265,165,010 2,201,618,250 2,254,559,841 2,194,037,088 2,067,820,880

Montana 393,601,770 368,695,031 363,203,204 354,923,718 335,700,082

Nebraska 686,092,005 670,599,740 686,144,401 674,052,138 647,711,741

Nevada 1,990,366,537 1,901,619,500 1,898,458,129 1,795,870,376 1,451,442,019

New Hampshire 426,653,812 414,106,949 426,309,593 415,474,060 399,850,791

New Jersey 5,255,314,407 4,967,121,845 5,351,987,950 5,280,238,431 5,021,001,142

New Mexico 884,190,737 870,672,963 883,549,418 857,277,031 799,701,537

New York 9,336,981,472 8,747,875,917 8,906,419,690 8,764,768,953 8,250,903,858

North Carolina 3,118,485,684 2,989,059,174 2,887,979,347 2,791,408,823 2,546,296,754

North Dakota 211,032,960 197,837,104 201,237,068 196,887,973 191,642,118

Ohio 3,608,511,055 3,648,610,164 3,784,565,337 3,759,333,400 3,615,514,437

Oklahoma 1,426,031,404 1,398,972,906 1,408,050,370 1,392,274,459 1,299,232,387

Oregon 1,967,168,784 1,943,553,809 1,999,564,965 1,976,470,918 1,886,653,230

Pennsylvania 4,637,027,925 4,619,088,231 4,821,545,667 4,892,624,441 4,703,450,461

Rhode Island 648,576,117 641,760,276 651,754,733 627,296,529 602,293,486

South Carolina 3,016,511,991 2,874,790,307 2,819,602,979 2,697,887,677 2,427,660,676

South Dakota 242,216,509 230,287,551 235,381,795 230,315,099 219,727,901

Tennessee 2,495,782,517 2,397,008,680 2,391,548,643 2,327,486,751 2,190,669,836

Texas 12,765,238,601 12,310,500,833 12,815,633,539 12,591,951,315 11,800,307,523

Utah 1,364,937,161 1,279,001,080 1,251,464,222 1,172,133,724 1,057,114,179

Vermont 161,200,873 160,144,434 167,214,207 167,259,043 164,620,959

Virginia 3,265,490,249 3,189,250,804 3,264,605,366 3,206,964,843 3,006,109,862

Washington 3,336,662,161 3,277,469,278 3,362,426,901 3,234,437,415 3,064,965,200

West Virginia 646,799,996 648,169,382 673,652,813 677,694,461 665,277,022

Wisconsin 1,696,827,986 1,680,892,922 1,743,047,648 1,723,610,904 1,663,978,835

Wyoming 167,633,666 160,852,062 161,697,814 159,027,865 155,030,757

Countrywide 146,646,971,935 142,717,302,488 145 , 256 , 477, 4 56 141,951,879,880 132,332,048,731

Table 1A

Average Premiums and Expenditures 2017-2021

Liability Written Premiums

2021 Auto Insurance Database Report Supplement

STATE 2021 2020 2019 2018 2017

Alabama 4,058,056 3,891,729 3,816,921 3,785,049 3,740,606

Alaska 496,811 487,938 480,491 475,002 472,589

Arizona 5,208,748 5,067,625 4,901,386 4,740,018 4,477,890

Arkansas 2,350,507 2,265,045 2,175,091 2,138,546 2,131,745

California 28,517,541 28,171,710 28,049,675 27,679,136 26,812,052

Colorado 4,454,671 4,356,847 4,279,046 4,211,730 4,091,930

Connecticut 2,409,576 2,323,341 2,238,170 2,379,505 2,322,319

Delaware 743,378 721,549 706,727 690,849 668,329

District of Columbia 264,928 264,058 258,092 255,151 254,006

Florida 15,235,102 14,594,626 14,192,325 13,924,140 13,766,733

Georgia 8,074,548 7,808,504 7,575,069 7,460,113 7,322,531

Hawaii 938,227 914,551 906,902 898,166 890,054

Idaho 1,389,970 1,293,767 1,216,120 1,171,931 1,130,672

Illinois 7,987,784 7,803,981 7,631,068 7,770,918 7,664,748

Indiana 5,141,776 5,001,949 4,907,441 4,873,707 4,792,140

Iowa 2,568,339 2,529,700 2,508,377 2,483,819 2,461,342

Kansas 2,392,516 2,353,071 2,318,722 2,291,574 2,270,133

Kentucky 3,468,375 3,390,036 3,315,731 3,262,679 3,221,192

Louisiana 3,011,908 2,981,428 2,941,326 2,921,756 2,929,661

Maine 1,041,350 1,005,994 1,008,998 994,192 982,538

Maryland 4,384,996 4,349,979 4,307,431 4,269,267 4,200,558

Massachusetts 4,599,768 4,510,862 4,514,717 4,455,904 4,412,652

Michigan 5,989,739

5,736,779 5,754,451 5,723,448 5,686,293

Minnesota 4,262,674 4,198,707 4,190,622 4,155,989 4,080,983

Mississippi 2,076,721 1,988,143 1,950,527 1,946,859 1,933,304

Missouri 4,413,487 4,324,871 4,256,899 4,201,361 4,182,932

Montana 921,530 854,893 828,238 814,364 792,909

Nebraska 1,640,477 1,605,381 1,589,072 1,568,840 1,549,408

Nevada 2,195,426 2,116,401 2,050,474 1,991,669 1,813,669

New Hampshire 992,711 960,957 961,722 951,015 938,057

New Jersey 5,766,775 5,504,663 5,612,307 5,555,366 5,381,914

New Mexico 1,609,713 1,554,253 1,512,166 1,486,033 1,457,107

New York 9,636,814 9,459,238 9,529,484 9,524,145 9,489,887

North Carolina 7,782,517 7,554,999 7,302,920 7,079,175 6,882,944

North Dakota 704,124 651,484 644,418 637,729 629,445

Ohio 8,552,663 8,434,041 8,356,776 8,305,922 8,172,022

Oklahoma 2,945,366 2,867,079 2,776,776 2,723,443 2,575,399

Oregon 3,056,118 2,967,098 2,915,827 2,865,534 2,783,030

Pennsylvania 8,950,288 8,752,645 8,756,119 8,784,507 8,677,063

Rhode Island 701,064 704,511 709,419 698,881 692,132

South Carolina 4,140,430 4,028,672 3,923,653 3,828,054 3,743,752

South Dakota 731,895 708,067 698,354 689,115 668,723

Tennessee 5,284,808 5,087,129 4,965,034 4,864,961 4,788,119

Texas 20,351,059 20,130,323 19,711,190 19,092,535 18,694,297

Utah 2,239,377 2,114,112 2,033,545

1,947,902 1,857,962

Vermont 447,090 436,780 445,991 443,692 438,791

Virginia 6,721,100 6,643,017 6,614,567 6,497,953 6,399,855

Washington 5,002,836 4,812,496 4,755,914 4,692,003 4,593,212

West Virginia 1,323,051 1,310,283 1,301,969 1,298,868 1,295,464

Wisconsin 4,234,395 4,161,165 4,136,889 4,081,284 4,028,755

Wyoming 483,009 469,024 453,656 446,406 436,116

Countrywide 231,896,132 226,225,501 222,988,805 220,030,205 215,679,964

Table 1B

Average Premiums and Expenditures 2017-2021

Liability Written Exposures

STATE 2021 2020 2019 2018 2017

Alabama 521.06 517.29 523.81 512.79 479.17

Alaska 563.13 563.48 584.87 576.09 561.79

Arizona 658.94 646.81 663.92 648.36 609.60

Arkansas 467.18 467.72 485.19 487.12 458.93

California 603.83 617.74 627.71 611.11 566.78

Colorado 693.95 695.23 706.78 687.57 641.48

Connecticut 789.36 790.51 802.45 785.13 743.90

Delaware 856.16 861.89 897.27 900.38 846.42

District of Columbia 790.75 791.95 821.31 809.44 745.66

Florida 1,018.25 972.07 997.34 1,010.43 961.79

Georgia 832.05 828.00 834.58 801.96 739.78

Hawaii 449.72 450.60 478.69 479.11 469.34

Idaho 423.90 421.04 434.72 425.87 403.78

Illinois 494.39 501.30 522.07 517.28 508.83

Indiana 429.20 435.31 447.86 444.52 434.11

Iowa 343.19 342.06 350.76 348.84 339.42

Kansas 417.02 409.22 426.71 422.67 401.03

Kentucky 580.79 592.84 617.71 621.31 595.59

Louisiana 975.11 977.77 1,025.73 1,017.94 940.68

Maine 374.22 372.08 375.69 375.14 370.54

Maryland 717.50 725.25 749.71 737.86 701.38

Massachusetts 643.74 648.92 664.92 658.47 642.92

Michigan 788.23

902.67 981.16 937.00 875.60

Minnesota 481.95 486.71 502.34 499.93 484.47

Mississippi 552.39 539.58 545.70 540.02 512.87

Missouri 513.24 509.06 529.62 522.22 494.35

Montana 427.12 431.28 438.53 435.83 423.38

Nebraska 418.23 417.72 431.79 429.65 418.04

Nevada 906.60 898.52 925.86 901.69 800.28

New Hampshire 429.79 430.93 443.28 436.87 426.25

New Jersey 911.31 902.35 953.62 950.48 932.94

New Mexico 549.28 560.19 584.29 576.89 548.83

New York 968.89 924.80 934.62 920.27 869.44

North Carolina 400.70 395.64 395.46 394.31 369.94

North Dakota 299.71 303.67 312.28 308.73 304.46

Ohio 421.92 432.61 452.87 452.61 442.43

Oklahoma 484.16 487.94 507.08 511.22 504.48

Oregon 643.68 655.04 685.76 689.74 677.91

Pennsylvania 518.09 527.74 550.65 556.96 542.06

Rhode Island 925.13 910.93 918.72 897.57 870.20

South Carolina 728.55 713.58 718.62 704.77 648.46

South Dakota 330.94 325.23 337.05 334.22 328.58

Tennessee 472.26 471.19 481.68 478.42 457.52

Texas 627.25 611.54 650.17 659.52 631.22

Utah 609.52 604.98 615.41

601.74 568.96

Vermont 360.56 366.65 374.93 376.97 375.17

Virginia 485.86 480.09 493.55 493.53 469.72

Washington 666.95 681.03 707.00 689.35 667.28

West Virginia 488.87 494.68 517.41 521.76 513.54

Wisconsin 400.73 403.95 421.34 422.32 413.03

Wyoming 347.06 342.95 356.43 356.24 355.48

Countrywide 632.38 630.86 651.41 645.15 613.56

Table 1C

Average Premiums and Expenditures 2017-2021

Liability Average Premium

2021 Auto Insurance Database Report Supplement

STATE 2021 2020 2019 2018 2017

Alabama 1,085,089,849 1,031,937,996 1,040,247,151 1,009,243,428 956,076,232

Alaska 142,720,624 134,820,264 134,554,222 127,961,940 121,338,394

Arizona 1,261,450,806 1,174,512,299 1,177,489,291 1,137,139,213 1,031,399,923

Arkansas 584,480,750 550,673,093 541,436,760 537,508,138 516,791,158

California 10,503,632,114 10,075,696,083 9,883,938,818 9,513,812,084 8,748,376,283

Colorado 1,087,722,433 1,033,378,598 1,033,635,520 1,008,194,593 972,202,887

Connecticut 789,775,561 735,104,216 763,826,505 751,446,387 717,012,340

Delaware 209,471,989 197,037,527 196,154,998 189,808,304 180,024,272

District of Columbia 119,274,519 113,459,455 111,434,352 109,413,183 102,230,664

Florida 4,256,526,614 3,877,273,509 4,085,020,926 4,063,828,992 3,805,926,890

Georgia 2,382,493,596 2,272,114,617 2,243,286,800 2,136,907,163 1,971,372,025

Hawaii 263,411,091 248,147,119 250,512,291 237,711,658 223,442,390

Idaho 279,883,005 248,900,956 237,168,498 221,581,848 198,748,520

Illinois 2,331,762,287 2,224,717,037 2,246,766,083 2,196,279,556 2,113,667,216

Indiana 1,133,667,405 1,086,637,553 1,082,941,430 1,060,157,549 1,004,941,343

Iowa 496,350,079 469,959,720 465,858,234 462,230,600 434,311,653

Kansas 460,220,400 440,125,684 447,879,261 444,294,630 423,711,770

Kentucky 681,654,921 655,856,567 685,941,253 683,746,224 648,092,686

Louisiana 1,003,960,244 974,709,812 1,022,569,458 1,019,067,341 988,684,261

Maine 240,526,016 230,323,638 227,898,860 218,164,104 206,281,306

Maryland 1,486,598,913 1,443,218,153 1,470,188,145 1,426,693,739 1,317,487,535

Massachusetts 1,763,405,025 1,740,596,123 1,729,981,783 1,677,150,517 1,601,678,947

Michigan 2,178,425,085

2,092,358,996 2,142,785,290 2,111,250,825 1,994,068,268

Minnesota 932,159,868 884,935,522 884,769,528 843,362,062 796,034,570

Mississippi 551,993,536 515,540,715 503,205,362 509,158,753 494,094,953

Missouri 1,049,796,940 992,555,283 997,986,843 972,423,567 939,358,704

Montana 182,279,800 162,505,578 155,002,247 150,513,838 141,516,883

Nebraska 323,013,650 299,916,584 295,799,235 290,401,875 273,342,438

Nevada 585,477,190 545,876,675 565,166,218 537,367,555 462,836,285

New Hampshire 300,266,955 289,437,827 295,603,991 284,213,551 272,006,992

New Jersey 1,945,459,528 1,765,644,853 1,853,734,587 1,793,442,724 1,683,337,826

New Mexico 321,186,292 307,213,707 303,828,872 294,144,207 280,491,339

New York 3,654,706,787 3,414,745,574 3,473,130,264 3,362,461,171 3,174,063,168

North Carolina 1,972,412,688 1,796,669,997 1,790,932,124 1,678,414,988 1,572,000,075

North Dakota 141,845,609 128,130,671 127,588,386 123,482,445 117,032,804

Ohio 2,032,258,253 1,979,966,032 2,017,104,232 1,978,959,744 1,911,290,242

Oklahoma 660,484,167 625,812,835 622,783,078 624,504,377 579,228,713

Oregon 637,911,668 605,732,180 619,576,172 605,146,466 555,719,291

Pennsylvania 2,679,380,992 2,587,201,867 2,650,031,202 2,607,414,510 2,496,020,859

Rhode Island 260,891,927 255,255,977 252,757,408 241,688,747 227,395,626

South Carolina 978,462,740 921,261,794 910,499,519 886,479,216 830,826,114

South Dakota 128,058,447 117,943,800 116,272,936 112,640,303 104,748,510

Tennessee 1,367,542,747 1,269,429,994 1,262,598,721 1,239,079,490 1,175,767,654

Texas 6,012,424,200 5,728,258,870 5,919,326,489 5,847,439,476 5,589,650,868

Utah 529,759,603 484,926,655 480,542,581 460,464,481 415,986,676

Vermont 125,301,954 123,090,060 124,316,113 120,771,463 115,841,273

Virginia 1,692,662,412 1,615,849,454 1,616,542,812 1,569,835,884 1,495,948,533

Washington 1,278,456,462 1,200,188,811 1,222,701,425 1,152,066,513 1,062,838,100

West Virginia 331,443,067 321,018,503 324,388,260 319,253,561 310,418,604

Wisconsin 861,920,326 820,832,274 831,569,291 804,745,844 776,349,436

Wyoming 92,335,707 88,007,948 87,067,830 86,817,263 83,208,127

Countrywide 66,372,396,841 62,899,509,055 63,526,341,655 61,840,286,090 58,215,221,626

Table 2A

Average Premiums and Expenditures 2017-2021

Collision Written Premiums

2021 Auto Insurance Database Report Supplement

STATE 2021 2020 2019 2018 2017

Alabama 2,869,379 2,735,840 2,664,753 2,636,560 2,608,785

Alaska 353,009 342,317 334,835 330,543 327,070

Arizona 3,910,497 3,759,701 3,583,931 3,478,107 3,286,140

Arkansas 1,564,097 1,504,055 1,451,565 1,432,298 1,417,718

California 20,601,638 20,092,270 19,960,100 19,664,340 19,274,539

Colorado 3,317,253 3,203,744 3,102,754 3,051,102 2,972,499

Connecticut 1,930,174 1,840,824 1,848,634 1,843,620 1,798,790

Delaware 595,175 571,303 554,202 540,122 521,684

District of Columbia 219,223 215,436 206,517 204,182 205,053

Florida 12,526,194 11,825,708 11,483,642 11,230,533 11,123,963

Georgia 5,723,254 5,504,066 5,323,497 5,223,445 5,147,817

Hawaii 709,128 684,712 676,147 664,467 652,711

Idaho 1,016,636 933,733 873,898 843,625 806,466

Illinois 6,573,516 6,392,006 6,389,821 6,470,382 6,278,964

Indiana 3,982,771 3,829,066 3,723,281 3,681,893 3,600,189

Iowa 1,929,396 1,885,989 1,855,998 1,829,730 1,775,712

Kansas 1,645,086 1,604,899 1,564,675 1,545,382 1,507,854

Kentucky 2,358,740 2,265,701 2,214,735 2,174,484 2,141,091

Louisiana 2,217,284 2,156,712 2,105,967 2,087,284 2,101,776

Maine 817,585 783,056 765,202 738,564 719,969

Maryland 3,548,993 3,480,350 3,416,173 3,381,942 3,344,298

Massachusetts 4,008,286 3,870,516 3,869,802 3,806,946 3,749,550

Michigan 4,774,463

4,508,650 4,470,786 4,405,066 4,299,393

Minnesota 3,352,861 3,284,071 3,225,064 3,171,597 3,088,202

Mississippi 1,497,019 1,420,529 1,376,364 1,362,858 1,350,078

Missouri 3,305,521 3,206,464 3,124,119 3,075,054 3,061,048

Montana 619,159 560,184 540,051 530,660 504,879

Nebraska 1,141,518 1,108,896 1,083,281 1,065,283 1,034,794

Nevada 1,641,864 1,555,963 1,508,857 1,465,589 1,339,757

New Hampshire 921,854 888,564 882,405 866,863 849,204

New Jersey 4,603,442 4,347,956 4,395,862 4,336,664 4,173,429

New Mexico 1,040,423 995,772 961,531 945,004 920,494

New York 7,674,784 7,507,601 7,390,326 7,339,041 7,256,514

North Carolina 5,686,313 5,446,059 5,204,184 4,965,973 4,783,795

North Dakota 516,102 458,533 449,131 441,065 433,339

Ohio 6,920,390 6,728,879 6,600,898 6,499,586 6,377,026

Oklahoma 1,970,009 1,897,506 1,832,879 1,797,664 1,681,131

Oregon 2,365,753 2,272,952 2,195,364 2,156,669 2,094,149

Pennsylvania 7,210,120 6,925,657 6,897,337 6,914,711 6,840,080

Rhode Island 518,724 517,682 514,781 505,272 493,855

South Carolina 3,067,291 2,952,936 2,858,896 2,783,146 2,739,252

South Dakota 500,039 479,482 468,720 459,940 441,745

Tennessee 3,896,981 3,707,591 3,565,148 3,484,492 3,417,144

Texas 14,156,200 13,915,233 13,622,867 13,199,262 12,980,190

Utah 1,724,411 1,628,710 1,557,213

1,489,598 1,414,751

Vermont 379,132 372,356 371,243 364,978 355,389

Virginia 5,235,282 5,126,511 4,990,038 4,963,502 4,888,258

Washington 4,019,507 3,822,684 3,745,045 3,684,708 3,573,997

West Virginia 957,552 936,661 918,653 911,622 897,463

Wisconsin 3,473,510 3,373,883 3,315,041 3,244,951 3,184,118

Wyoming 321,483 311,485 297,194 291,714 286,138

Countrywide 175,909,021 169,741,454 166,333,407 163,582,083 160,122,250

Table 2B

Average Premiums and Expenditures 2017-2021

Collision Written Exposures

2021 Auto Insurance Database Report Supplement

STATE 2021 2020 2019 2018 2017

Alabama 378.16 377.19 390.37 382.79 366.48

Alaska 404.30 393.85 401.85 387.13 370.99

Arizona 322.58 312.40 328.55 326.94 313.86

Arkansas 373.69 366.13 373.00 375.28 364.52

California 509.84 501.47 495.18 483.81 453.88

Colorado 327.90 322.55 333.13 330.44 327.07

Connecticut 409.17 399.33 413.18 407.59 398.61

Delaware 351.95 344.89 353.94 351.42 345.08

District of Columbia 544.08 526.65 539.59 535.86 498.56

Florida 339.81 327.87 355.73 361.86 342.14

Georgia 416.28 412.81 421.39 409.10 382.95

Hawaii 371.46 362.41 370.50 357.75 342.33

Idaho 275.30 266.57 271.39 262.65 246.44

Illinois 354.72 348.05 351.62 339.44 336.63

Indiana 284.64 283.79 290.86 287.94 279.14

Iowa 257.26 249.18 251.00 252.62 244.58

Kansas 279.75 274.24 286.24 287.50 281.00

Kentucky 288.99 289.47 309.72 314.44 302.69

Louisiana 452.79 451.94 485.56 488.23 470.40

Maine 294.19 294.13 297.83 295.39 286.51

Maryland 418.88 414.68 430.36 421.86 393.95

Massachusetts 439.94 449.71 447.05 440.55 427.17

Michigan 456.27

464.08 479.29 479.28 463.80

Minnesota 278.02 269.46 274.34 265.91 257.77

Mississippi 368.73 362.92 365.60 373.60 365.98

Missouri 317.59 309.55 319.45 316.23 306.87

Montana 294.40 290.09 287.01 283.64 280.30

Nebraska 282.97 270.46 273.06 272.61 264.15

Nevada 356.59 350.83 374.57 366.66 345.46

New Hampshire 325.72 325.74 335.00 327.86 320.31

New Jersey 422.61 406.09 421.70 413.55 403.35

New Mexico 308.71 308.52 315.98 311.26 304.72

New York 476.20 454.84 469.96 458.16 437.41

North Carolina 346.87 329.90 344.13 337.98 328.61

North Dakota 274.84 279.44 284.08 279.96 270.07

Ohio 293.66 294.25 305.58 304.47 299.71

Oklahoma 335.27 329.81 339.78 347.40 344.55

Oregon 269.64 266.50 282.22 280.59 265.37

Pennsylvania 371.61 373.57 384.21 377.08 364.91

Rhode Island 502.95 493.07 491.00 478.33 460.45

South Carolina 319.00 311.98 318.48 318.52 303.30

South Dakota 256.10 245.98 248.06 244.90 237.12

Tennessee 350.92 342.39 354.15 355.60 344.08

Texas 424.72 411.65 434.51 443.01 430.63

Utah 307.21 297.74 308.59

309.12 294.04

Vermont 330.50 330.57 334.86 330.90 325.96

Virginia 323.32 315.19 323.95 316.28 306.03

Washington 318.06 313.96 326.49 312.66 297.38

West Virginia 346.14 342.73 353.11 350.20 345.88

Wisconsin 248.14 243.29 250.85 248.00 243.82

Wyoming 287.22 282.54 292.97 297.61 290.80

Countrywide 377.31 370.56 381.92 378.04 363.57

Table 2C

Average Premiums and Expenditures 2017-2021

Collision Average Premium

2021 Auto Insurance Database Report Supplement

STATE 2021 2020 2019 2018 2017

Alabama 558,969,841 525,997,170 500,642,401 481,952,938 459,325,868

Alaska 63,845,456 62,199,305 60,588,026 56,986,761 53,348,359

Arizona 895,060,368 824,789,692 788,410,124 761,826,861 706,015,957

Arkansas 400,256,854 379,483,723 361,596,542 347,830,399 315,519,123

California 2,133,644,905 2,044,920,079 2,012,139,473 1,944,387,404 1,930,026,168

Colorado 1,122,313,253 1,042,112,393 971,952,427 868,242,394 710,101,015

Connecticut 302,714,491 281,556,998 275,458,925 276,343,956 269,728,810

Delaware 88,744,902 83,399,089 79,267,600 79,094,424 72,891,197

District of Columbia 51,278,504 50,084,440 48,241,740 48,767,810 47,902,416

Florida 2,112,752,874 1,917,639,279 1,832,206,358 1,738,902,574 1,584,514,885

Georgia 1,126,788,135 1,054,770,592 1,015,746,310 969,961,617 917,752,858

Hawaii 82,104,209 78,493,880 76,886,042 76,557,325 74,463,259

Idaho 161,161,740 143,881,061 133,945,611 125,488,207 112,750,076

Illinois 1,055,729,192 998,364,670 949,494,267 926,584,882 881,639,515

Indiana 605,188,058 566,520,875 550,393,181 531,172,216 499,178,909

Iowa 484,817,494 454,980,458 431,633,964 411,651,628 391,490,947

Kansas 492,454,915 462,750,838 459,146,448 436,341,953 410,499,827

Kentucky 431,518,817 413,843,705 407,518,427 394,704,879 367,851,301

Louisiana 584,431,072 561,934,348 548,908,911 534,974,017 501,949,730

Maine 112,189,914 103,580,043 95,809,921 92,146,122 86,045,904

Maryland 627,626,577 620,338,170 605,261,227 596,806,685 570,078,574

Massachusetts 634,924,339 609,188,163 607,602,531 589,510,024 576,773,815

Michigan 947,729,849

879,265,664 834,707,411 804,462,592 769,745,128

Minnesota 814,652,211 769,780,485 748,345,941 709,101,070 659,376,879

Mississippi 385,567,949 357,771,829 339,603,570 335,247,426 318,160,039

Missouri 789,013,287 735,295,304 721,459,541 687,847,773 641,009,370

Montana 203,856,639 182,049,752 174,581,338 167,146,965 145,025,245

Nebraska 330,009,058 306,316,718 301,138,931 286,587,990 269,232,004

Nevada 200,342,804 188,341,341 186,778,203 180,731,829 159,723,352

New Hampshire 118,906,788 111,637,635 109,745,138 106,572,464 101,819,022

New Jersey 673,452,303 601,051,014 597,881,393 590,924,745 567,063,267

New Mexico 231,318,587 226,957,787 222,950,123 209,400,333 188,987,319

New York 1,561,179,866 1,444,532,421 1,401,375,772 1,446,769,845 1,391,165,360

North Carolina 981,143,009 900,521,729 827,040,076 765,167,234 652,451,931

North Dakota 133,568,570 124,451,506 124,626,936 118,330,491 108,215,673

Ohio 995,719,819 956,560,589 934,488,198 923,242,657 884,233,991

Oklahoma 551,836,419 519,893,256 506,102,785 489,662,717 435,490,598

Oregon 289,669,752 273,780,802 268,232,054 255,952,034 236,032,593

Pennsylvania 1,348,694,276 1,274,468,304 1,254,442,745 1,244,246,917 1,184,492,722

Rhode Island 86,964,032 80,788,395 76,028,601 74,501,875 70,522,547

South Carolina 715,418,634 681,534,946 647,846,009 618,057,574 579,668,331

South Dakota 191,265,579 174,525,500 168,767,019 155,515,895 141,011,883

Tennessee 734,030,893 679,178,884 640,290,902 609,355,946 575,533,325

Texas 4,079,016,427 3,810,698,004 3,812,787,201 3,563,939,165 3,116,241,955

Utah 236,023,216 216,427,686 209,071,708

200,610,085 182,485,315

Vermont 62,422,428 59,339,691 57,986,434 57,101,840 54,135,123

Virginia 846,687,749 809,883,291 799,143,128 782,493,429 754,894,413

Washington 535,207,404 504,458,639 495,438,419 472,477,728 441,907,058

West Virginia 237,109,917 229,102,843 224,563,783 222,389,375 208,566,018

Wisconsin 647,126,335 609,458,398 601,055,387 557,287,763 509,535,162

Wyoming 121,702,655 111,929,859 103,702,354 96,014,191 86,449,945

Countrywide 33,178,152,365 31,100,831,243 30,203,031,556 29,021,375,024 26,973,024,081

Table 3A

Average Premiums and Expenditures 2017-2021

Comprehensive Written Premiums

2021 Auto Insurance Database Report Supplement

STATE 2021 2020 2019 2018 2017

Alabama 2,971,523 2,837,443 2,779,027 2,741,556 2,700,750

Alaska 411,777 400,206 390,677 385,391 379,332

Arizona 4,082,748 3,947,715 3,779,239 3,655,796 3,439,648

Arkansas 1,611,639 1,549,228 1,501,936 1,477,342 1,454,090

California 21,535,338 21,033,462 20,843,945 20,518,095 20,073,955

Colorado 3,440,427 3,338,650 3,251,529 3,184,693 3,100,847

Connecticut 2,109,628 2,028,123 2,054,236 2,063,624 2,013,635

Delaware 620,213 595,328 583,066 564,800 546,162

District of Columbia 228,100 224,188 217,356 213,249 213,277

Florida 12,992,391 12,308,941 11,971,723 11,645,632 11,519,799

Georgia 6,043,361 5,776,990 5,624,804 5,493,550 5,394,442

Hawaii 765,207 733,645 723,249 710,915 695,480

Idaho 1,081,261 989,949 932,793 897,922 860,806

Illinois 6,951,514 6,799,335 6,556,572 6,585,110 6,601,980

Indiana 4,188,652 4,034,217 3,946,963 3,906,168 3,804,342

Iowa 2,010,834 1,970,242 1,946,317 1,917,879 1,848,672

Kansas 1,676,793 1,635,253 1,600,900 1,577,635 1,533,168

Kentucky 2,532,329 2,446,319 2,413,126 2,387,786 2,322,828

Louisiana 2,276,398 2,215,715 2,173,210 2,149,162 2,159,010

Maine 886,761 840,408 830,133 810,890 791,420

Maryland 3,708,498 3,636,700 3,601,869 3,562,389 3,508,113

Massachusetts 4,186,079 4,066,284 4,054,339 4,008,522 3,975,034

Michigan 5,458,198

5,205,414 5,142,963 5,052,676 4,871,168

Minnesota 3,599,636 3,551,551 3,486,494 3,432,897 3,331,359

Mississippi 1,531,586 1,454,341 1,417,767 1,398,498 1,384,959

Missouri 3,392,160 3,294,334 3,212,492 3,164,668 3,132,588

Montana 650,479 587,200 555,233 546,205 534,169

Nebraska 1,171,764 1,140,080 1,118,322 1,097,813 1,060,501

Nevada 1,694,332 1,627,752 1,566,644 1,515,821 1,382,049

New Hampshire 948,597 910,515 908,134 896,904 878,826

New Jersey 4,807,788 4,557,093 4,611,468 4,547,945 4,389,848

New Mexico 1,076,083 1,033,430 1,002,231 977,893 953,886

New York 8,315,188 8,175,892 8,104,585 8,000,344 7,751,795

North Carolina 6,047,508 5,816,551 5,540,663 5,297,308 5,121,500

North Dakota 537,898 478,554 470,353 460,225 451,573

Ohio 7,296,598 7,116,370 7,082,088 7,043,790 6,853,413

Oklahoma 2,005,891 1,939,835 1,868,361 1,824,204 1,705,928

Oregon 2,600,111 2,522,461 2,439,580 2,394,932 2,315,851

Pennsylvania 7,548,129 7,319,552 7,317,399 7,346,307 7,266,689

Rhode Island 545,933 543,362 539,279 527,959 516,395

South Carolina 3,259,966 3,144,080 3,059,866 2,979,508 2,928,783

South Dakota 515,027 494,517 485,570 474,821 452,946

Tennessee 4,125,429 3,928,520 3,803,956 3,715,247 3,632,985

Texas 14,014,638 13,636,929 13,350,410 13,200,582 13,304,694

Utah 1,807,067 1,722,313 1,643,322

1,573,115 1,488,137

Vermont 402,706 381,991 387,720 384,818 377,432

Virginia 5,594,314 5,448,688 5,345,811 5,274,222 5,163,379

Washington 4,276,634 4,175,910 4,078,264 3,996,844 3,881,215

West Virginia 1,032,568 1,010,465 995,522 988,971 976,992

Wisconsin 3,698,351 3,606,508 3,564,296 3,485,912 3,419,496

Wyoming 334,027 317,988 308,679 302,677 295,823

Countrywide 184,600,077 178,550,537 175,184,481 172,361,212 168,761,169

Table 3B

Average Premiums and Expenditures 2017-2021

Comprehensive Written Exposures

2021 Auto Insurance Database Report Supplement

STATE 2021 2020 2019 2018 2017

Alabama 188.11 185.38 180.15 175.80 170.07

Alaska 155.05 155.42 155.08 147.87 140.64

Arizona 219.23 208.93 208.62 208.39 205.26

Arkansas 248.35 244.95 240.75 235.44 216.99

California 99.08 97.22 96.53 94.76 96.15

Colorado 326.21 312.14 298.92 272.63 229.00

Connecticut 143.49 138.83 134.09 133.91 133.95

Delaware 143.09 140.09 135.95 140.04 133.46

District of Columbia 224.81 223.40 221.95 228.69 224.60

Florida 162.61 155.79 153.04 149.32 137.55

Georgia 186.45 182.58 180.58 176.56 170.13

Hawaii 107.30 106.99 106.31 107.69 107.07

Idaho 149.05 145.34 143.60 139.75 130.98

Illinois 151.87 146.83 144.82 140.71 133.54

Indiana 144.48 140.43 139.45 135.98 131.21

Iowa 241.10 230.93 221.77 214.64 211.77

Kansas 293.69 282.98 286.81 276.58 267.75

Kentucky 170.40 169.17 168.88 165.30 158.36

Louisiana 256.74 253.61 252.58 248.92 232.49

Maine 126.52 123.25 115.42 113.64 108.72

Maryland 169.24 170.58 168.04 167.53 162.50

Massachusetts 151.68 149.81 149.86 147.06 145.10

Michigan 173.63

168.91 162.30 159.22 158.02

Minnesota 226.32 216.74 214.64 206.56 197.93

Mississippi 251.74 246.00 239.53 239.72 229.73

Missouri 232.60 223.20 224.58 217.35 204.63

Montana 313.39 310.03 314.43 306.02 271.50

Nebraska 281.63 268.68 269.28 261.05 253.87

Nevada 118.24 115.71 119.22 119.23 115.57

New Hampshire 125.35 122.61 120.85 118.82 115.86

New Jersey 140.08 131.89 129.65 129.93 129.18

New Mexico 214.96 219.62 222.45 214.13 198.12

New York 187.75 176.68 172.91 180.84 179.46

North Carolina 162.24 154.82 149.27 144.44 127.39

North Dakota 248.32 260.06 264.96 257.11 239.64

Ohio 136.46 134.42 131.95 131.07 129.02

Oklahoma 275.11 268.01 270.88 268.43 255.28

Oregon 111.41 108.54 109.95 106.87 101.92

Pennsylvania 178.68 174.12 171.43 169.37 163.00

Rhode Island 159.29 148.68 140.98 141.11 136.57

South Carolina 219.46 216.77 211.72 207.44 197.92

South Dakota 371.37 352.92 347.56 327.53 311.32

Tennessee 177.93 172.88 168.32 164.01 158.42

Texas 291.05 279.44 285.59 269.98 234.22

Utah 130.61 125.66 127.23

127.52 122.63

Vermont 155.01 155.34 149.56 148.39 143.43

Virginia 151.35 148.64 149.49 148.36 146.20

Washington 125.15 120.80 121.48 118.21 113.86

West Virginia 229.63 226.73 225.57 224.87 213.48

Wisconsin 174.98 168.99 168.63 159.87 149.01

Wyoming 364.35 351.99 335.96 317.22 292.24

Countrywide 179.73 174.19 172.41 168.38 159.83

Table 3C

Average Premiums and Expenditures 2017-2021

Comprehensive Average Premium

2021 Auto Insurance Database Report Supplement

STATE 2021 2020 2019 2018 2017

Alabama 926.20 917.61 927.51 906.76 857.56

Alaska 978.91 967.26 991.00 965.45 931.43

Arizona 1,072.96 1,041.34 1,065.01 1,048.98 997.60

Arkansas 886.13 878.37 900.36 901.11 849.37

California 1,046.97 1,047.98 1,051.82 1,025.07 965.05

Colorado 1,190.07 1,171.61 1,175.48 1,133.09 1,052.61

Connecticut 1,242.75 1,228.10 1,266.79 1,217.06 1,168.79

Delaware 1,257.32 1,250.55 1,286.99 1,289.62 1,224.85

District of Columbia 1,434.52 1,411.30 1,439.99 1,429.39 1,336.73

Florida 1,436.31 1,369.13 1,414.27 1,427.17 1,353.35

Georgia 1,266.66 1,254.06 1,264.81 1,218.43 1,134.33

Hawaii 817.98 807.76 839.70 829.01 804.05

Idaho 741.21 724.63 739.88 722.02 679.28

Illinois 918.47 914.31 940.92 919.14 899.62

Indiana 767.38 765.81 780.69 771.04 747.98

Iowa 725.21 707.69 708.56 700.67 674.93

Kansas 815.21 792.93 817.88 806.96 768.50

Kentucky 901.74 908.38 947.49 951.85 910.99

Louisiana 1,502.48 1,493.17 1,560.00 1,549.82 1,449.48

Maine 712.93 703.99 696.52 687.26 668.06

Maryland 1,199.65 1,199.63 1,231.54 1,211.83 1,150.74

Massachusetts 1,165.14 1,169.84 1,182.69 1,167.16 1,136.60

Michigan 1,310.15

1,420.66 1,498.59 1,446.43 1,361.65

Minnesota 891.74 880.81 892.05 873.48 841.11

Mississippi 1,003.86 978.84 977.79 973.74 933.01

Missouri 929.87 908.57 933.54 917.40 872.16

Montana 846.13 834.32 836.46 825.90 784.76

Nebraska 816.30 795.35 807.44 797.43 768.22

Nevada 1,264.53 1,245.43 1,292.58 1,262.24 1,143.54

New Hampshire 852.04 848.30 864.76 847.79 824.77

New Jersey 1,365.45 1,332.29 1,390.44 1,379.68 1,351.08

New Mexico 892.52 903.87 932.65 915.74 871.03

New York 1,510.13 1,438.50 1,446.14 1,425.22 1,350.50

North Carolina 780.22 752.65 753.94 739.49 693.13

North Dakota 690.85 691.37 703.66 687.91 662.31

Ohio 775.96 780.78 806.07 802.02 784.51

Oklahoma 895.76 887.55 913.63 920.32 898.48

Oregon 947.20 951.46 990.24 990.24 962.41

Pennsylvania 968.14 968.94 996.56 995.42 966.22

Rhode Island 1,421.31 1,387.92 1,382.17 1,350.00 1,300.64

South Carolina 1,137.66 1,111.43 1,115.78 1,097.80 1,025.22

South Dakota 767.24 738.29 745.21 723.35 696.09

Tennessee 869.92 854.24 864.94 858.37 823.28

Texas 1,123.12 1,085.40 1,143.91 1,152.46 1,096.92

Utah 951.48 936.73 954.53 941.12 891.08

Vermont 780.44 784.32 783.69 777.86 762.54

Virginia 863.67 845.25 858.75 855.55 821.42

Washington 1,029.48 1,035.25 1,068.26 1,035.59 994.88

West Virginia 918.60 914.53 939.04 938.77 914.16

Wisconsin 757.10 747.67 767.65 756.05 732.20

Wyoming 790.20 769.24 776.95 765.80 744.50

Countrywide 1,061.67 1,046.38 1,071.74 1,058.10 1,008.53

Table 4

Average Premiums and Expenditures 2017-2021

Average Expenditure

2021 Auto Insurance Database Report Supplement

STATE 2021 2020 2019 2018 2017

Alabama 1,087.33 1,079.86 1,094.34 1,071.38 1,015.73

Alaska 1,122.48 1,112.74 1,141.81 1,111.08 1,073.42

Arizona 1,200.75 1,168.14 1,201.08 1,183.69 1,128.72

Arkansas 1,089.22 1,078.79 1,098.95 1,097.84 1,040.44

California 1,212.75 1,216.43 1,219.43 1,189.68 1,116.80

Colorado 1,348.07 1,329.92 1,338.84 1,290.63 1,197.55

Connecticut 1,342.02 1,328.67 1,349.73 1,326.63 1,276.46

Delaware 1,351.19 1,346.87 1,387.16 1,391.84 1,324.96

District of Columbia 1,559.63 1,542.00 1,582.85 1,573.99 1,468.82

Florida 1,520.67 1,455.73 1,506.11 1,521.61 1,441.48

Georgia 1,434.79 1,423.39 1,436.55 1,387.63 1,292.86

Hawaii 928.47 920.01 955.50 944.54 918.74

Idaho 848.26 832.94 849.71 828.28 781.21

Illinois 1,000.98 996.18 1,018.50 997.42 979.00

Indiana 858.32 859.52 878.16 868.44 844.46

Iowa 841.55 822.17 823.53 816.11 795.77

Kansas 990.46 966.45 999.76 986.75 949.77

Kentucky 1,040.19 1,051.48 1,096.30 1,101.05 1,056.65

Louisiana 1,684.63 1,683.32 1,763.87 1,755.08 1,643.57

Maine 794.93 789.46 788.94 784.17 765.77

Maryland 1,305.61 1,310.50 1,348.11 1,327.25 1,257.83

Massachusetts 1,235.35 1,248.44 1,261.84 1,246.08 1,215.18

Michigan 1,418.13

1,535.66 1,622.75 1,575.49 1,497.43

Minnesota 986.28 972.91 991.33 972.40 940.17

Mississippi 1,172.87 1,148.50 1,150.84 1,153.33 1,108.57

Missouri 1,063.43 1,041.81 1,073.65 1,055.80 1,005.85

Montana 1,034.91 1,031.40 1,039.97 1,025.48 975.17

Nebraska 982.83 956.86 974.13 963.31 936.06

Nevada 1,381.43 1,365.05 1,419.65 1,387.58 1,261.31

New Hampshire 880.86 879.28 899.12 883.56 862.42

New Jersey 1,473.99 1,440.33 1,504.97 1,493.96 1,465.46

New Mexico 1,072.96 1,088.32 1,122.73 1,102.29 1,051.67

New York 1,632.83 1,556.32 1,577.48 1,559.27 1,486.31

North Carolina 909.81 880.36 888.86 876.74 825.95

North Dakota 822.87 843.16 861.32 845.81 814.18

Ohio 852.04 861.27 890.41 888.16 871.16

Oklahoma 1,094.54 1,085.76 1,117.75 1,127.04 1,104.31

Oregon 1,024.73 1,030.07 1,077.93 1,077.20 1,045.20

Pennsylvania 1,068.38 1,075.42 1,106.29 1,103.41 1,069.97

Rhode Island 1,587.37 1,552.69 1,550.70 1,517.02 1,467.22

South Carolina 1,267.01 1,242.33 1,248.82 1,230.72 1,149.68

South Dakota 958.41 924.14 932.68 906.65 877.02

Tennessee 1,001.11 986.46 1,004.15 998.03 960.02

Texas 1,343.03 1,302.63 1,370.28 1,372.52 1,296.08

Utah 1,047.34 1,028.38 1,051.23

1,038.39 985.63

Vermont 846.06 852.56 859.35 856.26 844.56

Virginia 960.52 943.92 966.99 958.17 921.95

Washington 1,110.16 1,115.80 1,154.97 1,120.23 1,078.52

West Virginia 1,064.64 1,064.14 1,096.10 1,096.83 1,072.91

Wisconsin 823.84 816.23 840.82 830.19 805.85

Wyoming 998.63 977.49 985.35 971.07 938.51

Countrywide 1,189.42 1,175.61 1,205.74 1,191.56 1,136.95

Table 5

Average Premiums and Expenditures 2017-2021

Combined Average Premium

2021 Auto Insurance Database Report Supplement

The National Association of Insurance

Commissioners (NAIC) is the U.S.

standard-setting and regulatory support

organization created and governed by

the chief insurance regulators from the 50

states, the District of Columbia and ﬁve

U.S. territories. Through the NAIC, state

insurance regulators establish standards

and best practices, conduct peer review,

and coordinate their regulatory oversight.

NAIC staff supports these efforts and

represents the collective views of state

regulators domestically and internationally.

NAIC members, together with the central

resources of the NAIC, form the national

system of state-based insurance regulation

in the U.S.

For more information, visit www.naic.org.