Get Covered USA: Insurance Quote and Information Average Insurance Costs
AVERAGE EXPENDITURES FOR AUTO INSURANCE BY STATE, 2000-2004
2004 Average expenditure
2003
State
Liability
Collision
Compre-hensive
Average expenditure
Rank (1)
Average expenditure
Rank (1)
Alabama
$369.71
$312.79
$134.18
$677.36
39
$656.94
40
Alaska
600.28
393.56
167.96
973.61
11
937.83
11
Arizona
510.42
315.41
246.42
930.58
14
921.35
13
Arkansas
389.86
309.10
175.93
707.74
32
698.48
33
California (2)
483.44
358.39
115.89
832.69
20
827.78
19
Colorado
475.86
323.81
211.96
849.84
16
923.16
12
Connecticut
625.61
343.44
133.37
990.75
9
987.66
8
Delaware
705.74
293.66
114.56
1,022.19
8
977.34
9
D.C. (3)
636.94
445.38
264.50
1,184.63
2
1,134.67
3
Florida
756.04
280.92
113.68
1,062.31
6
1,017.96
5
Georgia
413.58
373.93
165.90
778.63
24
759.49
25
Hawaii
537.36
285.14
108.19
817.45
22
776.18
23
Idaho
340.32
238.77
139.78
589.82
48
585.90
48
Illinois
411.04
308.98
128.55
760.00
26
762.27
24
Indiana
376.64
271.57
125.17
670.88
40
670.97
38
Iowa
302.61
209.86
173.55
579.95
50
580.54
49
Kansas
302.07
253.99
213.99
603.47
46
610.81
46
Kentucky
487.49
284.98
138.47
758.00
27
738.58
27
Louisiana
652.19
368.20
207.71
1,062.33
5
1,014.88
6
Maine
366.08
276.36
121.27
649.63
42
632.60
42
Maryland
557.79
328.98
148.04
947.15
12
892.60
15
Massachusetts (4)
701.76
352.91
150.09
1,112.87
4
1,051.60
4
Michigan
488.18
465.34
174.64
980.32
10
949.76
10
Minnesota
472.41
252.17
205.48
829.33
21
836.69
18
Mississippi
417.82
311.93
174.15
749.03
29
710.42
31
Missouri
385.06
286.23
155.05
702.39
33
702.33
32
Montana
397.56
247.23
227.71
683.18
37
674.65
36
Nebraska
336.05
231.51
218.64
637.44
43
623.97
43
Nevada
607.48
326.78
145.06
938.69
13
913.82
14
New Hampshire
432.54
307.84
116.08
798.34
23
779.14
22
New Jersey (3), (5)
759.56
423.60
203.30
1,221.08
1
1,193.17
1
New Mexico
444.82
295.97
175.40
727.60
30
732.47
30
New York
803.90
347.90
172.42
1,171.62
3
1,167.91
2
North Carolina
339.33
261.75
116.01
597.02
47
604.61
47
North Dakota
257.59
213.72
259.82
562.45
51
536.70
51
Ohio
396.15
256.26
110.50
680.14
38
672.07
37
Oklahoma
391.81
297.20
178.78
689.89
36
689.37
34
Oregon
492.22
241.66
112.78
753.38
28
735.80
28
Pennsylvania
507.66
312.63
130.85
842.66
18
812.67
21
Rhode Island
690.78
376.42
131.61
1,033.84
7
996.51
7
South Carolina
471.77
255.78
159.95
763.35
25
745.42
26
South Dakota
306.00
219.98
222.05
586.96
49
563.65
50
Tennessee
361.08
309.11
128.49
666.22
41
650.44
41
Texas (6)
476.39
321.19
146.50
846.93
17
837.40
17
Utah
435.96
276.50
127.47
722.27
31
733.45
29
Vermont
365.00
306.43
134.57
692.72
35
683.11
35
Virginia
404.40
268.62
125.49
702.23
34
658.22
39
Washington
532.96
273.98
136.50
838.61
19
825.05
20
West Virginia
543.68
306.04
197.09
874.96
15
844.41
16
Wisconsin
342.66
224.86
139.20
635.59
44
620.90
44
Wyoming
329.50
260.38
226.29
628.77
45
617.90
45
United States
499.00
313.95
146.80
837.86
823.38
(1) Ranked by average expenditure.
(2) Preliminary.
(3) The District of Columbia is entirely urban and New Jersey is predominately urban. Their results cannot be directly compared with states with large rural areas.
(4) Data incorporates Safe Driver Plan credits and surcharges.
(5) Historically, New Jersey insurers have paid 2 to 4 times the national average in dividends to policyholders, and at times as high as 6 times the national average, which reduces the average expenditure paid by New Jersey policyholders.
(6) Due to the exclusion of county mutuals, which had 45 percent of the market in 2004, Texas results are not comparable with results from other states.
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.
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