Auto Insurance Database Report 2016/20172016/2017 AUTO INSURANCE DATABASE TABLE OF CONTENTS PERSONAL INJURY PROTECTION 95 Table 15. Personal Injury Protection - Voluntary Business,

Auto Insurance Database Report

2016/2017

January 2020

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2016/2017 AUTO INSURANCE DATABASE

TABLE OF CONTENTS

INTRODUCTION 1

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

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

AVERAGE PREMIUMS AND EXPENDITURES 5

Table 1. Liability, 2013–2017 ..................................................................................................................... 17

Table 2. Collision, 2013–2017 .................................................................................................................... 20

Table 3. Comprehensive, 2013–2017 .......................................................................................................... 23

Table 4. Average Expenditure, 2013–2017 ................................................................................................. 26

Table 5. Combined Average Premium, 2013–2017 .................................................................................... 27

AUTO INSURANCE EARNED AND INCURRED DATA GENERAL INFORMATION 29

Technical Notes ......................................................................................................................................................... 31

State-Specific Information ......................................................................................................................................... 33

BODILY INJURY LIABILITY 35

Table 6. Bodily Injury Liability - Voluntary Business, 2014–2016 ............................................................ 39

Table 7. Bodily Injury Liability - Residual Business, 2014–2016 .............................................................. 43

Table 8. Bodily Injury Liability - Total Business, 2014–2016 .................................................................... 47

PROPERTY DAMAGE LIABILITY 51

Table 9. Property Damage Liability - Voluntary Business, 2014–2016 ..................................................... 55

Table 10. Property Damage Liability - Residual Business, 2014–2016 ........................................................ 59

Table 11. Property Damage Liability - Total Business, 2014–2016 ............................................................. 63

COMBINED SINGLE LIMITS LIABILITY 67

Table 12. Combined Single Limits Liability - Voluntary Business, 2014–2016 .......................................... 71

Table 13. Combined Single Limits Liability - Residual Business, 2014–2016 ............................................. 79

Table 14. Combined Single Limits Liability - Total Business, 2014–2016 .................................................. 87

© 2020 National Association of Insurance Commissioners


TABLE OF CONTENTS

PERSONAL INJURY PROTECTION 95

Table 15. Personal Injury Protection - Voluntary Business, 2014–2016 ...................................................... 99

Table 16. Personal Injury Protection - Residual Business, 2014–2016 ....................................................... 103

Table 17. Personal Injury Protection - Total Business, 2014–2016 ............................................................ 107

MEDICAL PAYMENTS 111

Table 18. Medical Payments - Voluntary Business, 2014–2016 ................................................................. 115

Table 19. Medical Payments - Residual Business, 2014–2016 ................................................................... 119

Table 20. Medical Payments - Total Business, 2014–2016 ........................................................................ 123

UNINSURED/UNDERINSURED MOTORIST 127

Table 21. Uninsured/Underinsured Motorist - Voluntary Business, 2014–2016 ........................................ 131

Table 22. Uninsured/Underinsured Motorist - Residual Business, 2014–2016 .......................................... 139

Table 23. Uninsured/Underinsured Motorist - Total Business, 2014–2016 ................................................ 147

TOTAL LIABILITY 155

Table 24. Total Liability - Voluntary Business, 2014–2016 ....................................................................... 158

Table 25. Total Liability - Residual Business, 2014–2016 ......................................................................... 161

Table 26. Total Liability - Total Business, 2014–2016 ............................................................................... 164

COLLISION 167

Table 27. Collision - Voluntary Business, 2014–2016 ............................................................................... 170

Table 28. Collision - Residual Business, 2014–2016 .................................................................................. 174

Table 29. Collision - Total Business, 2014–2016 ....................................................................................... 178

COMPREHENSIVE 183

Table 30. Comprehensive - Voluntary Business, 2014–2016 ..................................................................... 186

Table 31. Comprehensive - Residual Business, 2014–2016 ....................................................................... 190

Table 32. Comprehensive - Total Business, 2014–2016 ............................................................................. 194



TABLE OF CONTENTS

TRAFFIC CONDITIONS 199

Table 33. Fatal Accident Rates, 2014–2016 ............................................................................................... 202

Table 34. Traffic Density, 2014–2016 ........................................................................................................ 203

CRIME 205

Table 35. Vehicle Thefts, 2014–2016 ......................................................................................................... 208

ECONOMIC / DEMOGRAPHIC DATA 209

Table 36. Population Densities, 2014–2016 ................................................................................................ 212

Table 37. Disposable Income, 2014–2016 .................................................................................................. 213

STATE LAWS 215

Table 38. Rate Filing Laws, 2014–2016 and Current ................................................................................. 232

Table 39. Form Filing Laws, 2014–2016 and Current ................................................................................ 234

Table 40. Tort Laws and Thresholds, 2014–2016 ....................................................................................... 236

Table 41. Liability Insurance Laws, 2014–2016 ......................................................................................... 237

Table 42. Personal Injury Protection and Uninsured Motorist Laws, 2014–2016 ...................................... 238

Table 43. Automobile Seat Belt Laws, 2016 .............................................................................................. 239

Table 44. Drunk Driving Laws and Speed Limits, 2016 ............................................................................. 240

Table 45. Distracted Driving Laws, Current ............................................................................................... 241

APPENDIX 243

Appendix 1A. Land Area and Population ........................................................................................................... 247

Appendix 1B. Vehicles and Vehicle Thefts ....................................................................................................... 248

Appendix 1C. Vehicle and Roadway Miles ....................................................................................................... 249



INTRODUCTION

The cost of personal automobile insurance has attracted considerable attention from regulators and policymakers. To help the states assess their particular insurance markets, the NAIC Property and Casualty Insurance (C) Committee has directed the Casualty Actuarial and Statistical (C) Task Force in the development of this report. A database has been compiled to make information about cost factors in each state readily available to insurance regulators monitoring the market, and to the public. The database includes information related to insurance markets, traffic conditions, medical costs, crime rates, automobile repair costs, economic conditions, and state laws related to automobile insurance.

The data used for this report include written premiums and exposures for calendar years 2013-2017 for the combined voluntary and residual market. Earned and incurred data for calendar/accident years 2014-2016 are also reported, separately, for voluntary and residual market business. Trends are derived from earned premiums, earned exposures, incurred losses, and incurred claims. Definitions of these terms can be found on Page 2.

For each state, average premium and average expenditure, pure premium, loss ratio, claim frequency, and claim severity are calculated by coverage. Auto insurance coverages included are bodily injury and property damage liability (including no-fault), uninsured and underinsured motorist coverages, medical payments, collision, and comprehensive.

Narratives at the beginning of each section provide information about the type of coverage analyzed, and define the calculations used for the tables in that section. Any state-specific issues regarding the coverage or data are also noted in the narratives.

The insurance data were 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 were 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 data from other small statistical agencies that are not included.

Data contained in this report may differ from data contained in reports from previous years, as the statistical agents periodically obtain updated information from insurers.

The other sections of this report provide statistics for each state on non-insurance characteristics that would be expected to have some influence on the cost of personal automobile insurance. In reviewing these data and making interstate comparisons, it is important to keep in mind that auto insurance premiums ultimately reflect a complex set of state- specific factors related to the insurers’ claims costs, and that the data in this report by no means represent all such factors.

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 Amy Fitzpatrick, Data Analyst II, (816) 783-8837.

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

© 2020 National Association of Insurance Commissioners 1


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.

Loss: The dollar amount associated with a claim.

Claim: A formal request for payment related to an event or situation that is covered under an in-force insurance policy.

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.

Calendar Year: Earned premiums and loss transactions occurring with the calendar year beginning Jan. 1, irrespective of the contractual dates of the policies to which the transactions relate and regardless of the dates of the accidents.

Calendar/Accident Year: The accumulation of loss data on all accidents with the date of occurrence falling within a given calendar year. The earned premium is the same as in calendar year.

Earned Premiums: The portion of the total premium amount corresponding to the coverage provided during a given time period.

Earned Exposures: The portion of the total amount of exposure (risk) corresponding to the coverage provided during a given time period.

Incurred Claims: The total number of claims associated with insured events/situations occurring during a given time period.

Incurred Losses: The total dollar amount of losses associated with insured events/situations occurring during a given time period. A portion of incurred claims and losses represents insurers’ estimates of the final costs of pending claims that are still open during the reporting period, as well as estimates of losses associated with claims that have yet to be reported (termed Incurred But Not Reported, or IBNR).

Voluntary Market: Consists of insurance consumers that insurers select to be provided coverage, using underwriting guidelines that are not unfairly discriminatory. The voluntary market is also called the normal or regular market.

Residual Market: Consists of insurance consumers unable to obtain coverage in the voluntary market.

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.



The policy is in force for three months in 2008 and for one month in 2009. For calendar year 2008, the earned exposure is 2 cars × 1/4 year = 1/2 car-year, and the earned premium is:

$600 × 1/2 policy length = $300. The calendar year 2009 earned exposure is:

2 cars × 1/12 year = 1/6 car-year, and the earned premium is:

$600 × 1/6 policy length = $100. The remaining $200 of the original premium amount is refunded to the policyholder and counted as -$200 of written premium in calendar year 2009.

Example 2: A two-vehicle auto accident occurs 11/23/2008. No one is hurt, but there is minor damage to one car. The incident is reported as a property damage liability claim to the appropriate insurance company 11/27/2008. The cost of car

repairs is $537 and is paid by the insurer on 12/14/2008, minus a $250 deductible. Additional damage from the accident is discovered five months later, costing an additional $1,281, which the insurer pays 6/3/2009.

There is one claim resulting from this accident, which is included in accident year 2008 incurred claims. Losses are $537 – $250 + $1,281 = $1,568 and are included in accident year 2008 incurred losses. The discovery of additional damage is not a separate claim because it results from the original accident, so there is only one claim. The accident occurs in 2008, so all associated losses are included in accident year 2008 incurred losses, regardless of when the losses are actually discovered, reported, or paid.

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

Tables 6–35

Pure Premium:

Incurred Losses Earned Exposures

Loss Ratio:

Incurred Losses × 100 Earned Premiums

Frequency:

Incurred Claims × 100 Earned Exposures

Severity:

Incurred Losses Incurred Claims





Average Premiums and Expenditures





2013–2017 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 2013–2017. 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-years1 (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 2017, the countrywide average expenditure was $1,005 an increase of 6.38% over the previous year. The median state average expenditure was $896.

The state combined average premium per insured vehicle, on the other hand, is calculated by summing

1 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 6.36% in 2017, to $1,134 over the prior year. The median state combined average premium was $1,044.

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’ 2013–2017 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.



29.7%

55.7%

72.8%

87.7%

33.8%

86.1%

88.6%

87.8%

73.4%

45.3%

76.5%

100.0%

84.1%

77.7%

64.2%

80.6%

91.9%

90.1%

66.6%

100.0%

62.2%

58.7%

48.4%

70.3%

35.2%

44.9%

74.5%

74.9%

81.3%

58.4%

94.6%

99.6%

74.6%

58.2%

68.3%

78.3%

87.0%

65.6%

56.5%

70.1%

81.0%

94.1%

78.0%

100.0%

91.4%

86.3%

97.7%

92.5%

60.3%

71.5%

67.4%

WY

WV

WI

WA

VT

VA

UT

TX

TN

SD

SC

RI

PA

OR

OK

OH

NY

NV

NM

NJ

NH

NE

ND

NC

MT

MS

MO

MN

MI

ME

MD

MA

LA

KY

KS

IN

IL

ID

IA

HI

GA

FL

DE

DC

CT

CO

CA

AZ

AR

AL

AK

Source: U.S. Bureau of the Census

Percentage of State Population Living in Metropolitan Areas — 2010 U.S. Census



0.340.68

0.351.00

1.880.59

1.472.40

1.581.76

0.962.38

0.290.33

0.740.86

0.230.62

0.801.69

1.840.65

0.810.43

0.560.53

0.171.10

0.110.22

0.841.97

0.400.63

1.080.96

0.430.50

0.841.31

0.720.12

0.800.86

0.671.12

0.520.76

0.550.50

0.33

AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJ

NMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY

Source: Federal Highway Administration, 2016 Highway Statistics

Millions of Miles Driven per Mile of Roadway 2016



51,10135,42535,75736,284

49,49845,508

59,08965,612

42,81741,512

37,92645,343

41,38836,307

45,96139,015

42,57435,160

38,68255,158

51,01139,94039,455

45,43938,708

32,77839,225

37,79647,512

44,53050,662

53,97835,326

39,78851,645

40,13138,073

40,19645,32644,940

36,14844,028

40,09241,758

37,39646,494

45,31749,202

41,79533,422

50,207

AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJ

NMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY

2016 Disposable Income Per Capita

Source: Bureau of Economic Analysis



Annual Rates of Change in Consumer Price Indices, Average Expenditures and Premiums

2013 - 2017

2013 2014 2015 2016 2017 Cumulative 4-Year Change

Consumer Price Index - All Items* 1.51% 0.68% 0.63% 2.10% 2.10% 5.62%

CPI - Auto Insurance* 3.35% 4.74% 5.76% 7.07% 8.22% 28.35%

CPI - Total Medical Care* 2.00% 2.96% 2.61% 4.02% 1.82% 11.89%

CPI - Auto Maintenance and Repair* 1.64% 2.09% 1.68% 1.79% 1.84% 7.60%

CPI - Legal Service Fees* 2.70% 1.43% 2.85% 4.12% 1.31% 10.04%

CPI - New Vehicles* 0.40% 0.59% 0.20% 0.39% -0.56% 0.62%

CPI - Used Vehicles* 2.08% -4.15% 0.96% -4.02% -1.08% -8.12%

Average Expenditure** 3.52% 3.30% 3.22% 5.31% 6.38% 19.44%

Combined Average Premium** 3.10% 3.11% 6.38% 18.97%

Average Liability Premium** 3.15% 2.09% 6.90% 17.72%

Average Collision Premium** 2.71% 4.88% 6.19% 22.80%

Average Comprehensive Premium** 3.76%

3.17%

2.44%

4.23%

3.63% 3.06%

5.15%

5.30%

5.79%

3.22% 4.74% 15.47%

* U.S. Bureau of Labor Statistics** NAIC

The Consumer Price Index (CPI) for all items measures the cost of a fixed set of consumer goods and services purchased by a set population. Similarly, the CPI for automobile insurance is an index measuring the cost of automobile insurance to consumers over time. The annual rate of change in the average premium and average expenditure will vary from the annual rate of change in the automobile insurance price index. The average premium and average expenditure are affected by changes in insurance prices, as well as the choices individual consumers make as to the types and amounts of insurance purchased, whereas the insurance price index holds the amount of insurance constant to measure price changes in a uniform product.

Between 2013 and 2017, the national average expenditure for automobile insurance increased by 19.44%, while the CPI for all goods increased by 5.62%. Over the same period, the automobile insurance component of the CPI increased by 28.35%. The basic economic law of demand explains the difference between the change in the CPI – Auto Insurance component and that of the measured average expenditure. As the price of insurance (as measured by the CPI) increases, the amount of insurance demanded decreases (i.e., dropping coverage or increasing deductibles), leading to a smaller increase or even a decrease in the average expenditure.

The national combined average premium increased by 18.97%, and average liability premiums increased



by 17.72% over the 2013–2017 period. Premiums charged for a particular coverage and annual changes in those premiums vary based on the changes in the cost of factors that impact the coverage. Bodily injury liability premiums are affected by medical costs, wage loss costs, litigation costs, etc. Property damage liability and physical damage premiums are affected by the cost of vehicles, auto repairs, auto parts, labor, motor vehicle theft rate, windstorms, hailstorms, etc.

Limitations on Comparability of Data

Comparisons of average expenditures and average premiums between the states can be misleading. The average expenditure and average premium are imperfect measures of the relative “price” of insurance across the states because the auto insurance product is not homogeneous across states. While these data reflect the average expenditures within a state, it cannot be assumed that the data represent equal exposure and coverage across the states. Policyholder preferences: A state’s average expenditure and average premium will be relatively higher if policyholders in that state tend to purchase higher coverage limits or insure more expensive cars. The type and amount of coverage purchased by an individual is influenced by various factors, both economic and non-economic. Policyholders make choices about coverages, limits, and deductibles that depend on their economic situation, as well as their level of risk aversion, rural or urban driving areas, local weather and traffic conditions, and other factors.

Differences in auto insurance requirements, benefit levels, and exposure: Some of the states have tort automobile insurance laws, while others have “no-fault” or “add-on” laws.2 Some of the states do not have a compulsory auto insurance law. Minimum required limits for liability vary from state to state, as well as required policy benefits. Some of the states have a much higher uninsured motorist exposure than others. The average vehicle value differs from state to state. It is worth emphasizing that this report reflects how much consumers, on average, are spending for insurance, but it does not

2 See State Laws, Page 217.

provide information on how much insurance the consumers are purchasing for their dollars.

Demographics: Automobile premiums tend to be higher in urban areas. Therefore, those states with a higher percentage of population in urban areas will tend to have higher average premiums. In addition, the states that gain population rapidly tend to do so in urban areas. Because the population increase is usually not spread evenly over a state, the increase in average premium from year to year can fluctuate significantly.



2013-2017 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 – SinglePremium)

Medical Payments Property Damage Uninsured Motorist or Underinsured

Motorist Property Damage Uninsured/Underinsured Motorist

Property Damage (Combined – SinglePremium)

Statutory Uninsured Motorist (NewYork only)

Bodily Injury/Property DamageLiability – Combined Single LimitSingle Premium

Uninsured or Underinsured MotoristBodily Injury and Property Damage –Combined Single Limit Single Premium

Uninsured/Underinsured MotoristBodily Injury and Property Damage –Combined Single Limit/Single PremiumPolicies

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 2017—the most up-to-date information reported as of year-end 2018. 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 ofvehicles 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



2013-2017 State Average Expenditures and Combined Average Premiums for Personal Automobile Insurance

Additional State Information

California The 2016 and 2017 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 2013-2017.

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 2014 to 2016. The data to estimate this ratio only includes 70 percent of the private passenger automobile market. That ratio is approximately 1.025. 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.



2016/2017 Auto Insurance Database Report

STATE 2017 2016 2015 2014 2013Alabama 1,792,673,493 1,598,009,342 1,442,317,392 1,358,180,089 1,307,338,341Alaska 265,533,216 264,037,502 266,021,364 265,413,860 262,181,371Arizona 2,730,290,346 2,482,985,260 2,265,760,963 2,127,840,580 2,008,121,859Arkansas 978,540,773 882,787,742 831,259,865 800,553,519 780,407,244California 15,434,327,986 13,989,604,920 12,775,238,710 12,215,734,271 11,448,831,300Colorado 2,625,293,102 2,331,904,152 2,077,392,859 1,902,303,524 1,759,426,531Connecticut 1,728,218,116 1,656,013,726 1,574,365,057 1,520,744,552 1,486,945,653Delaware 565,896,586 540,607,032 521,050,766 504,839,286 488,603,054District of Columbia 189,453,714 173,206,506 158,053,791 151,992,807 149,285,476Florida 13,124,972,484 12,029,707,046 11,003,597,736 10,384,233,724 10,273,381,267Georgia 5,418,402,179 4,599,822,512 4,058,423,192 3,691,616,605 3,374,394,541Hawaii 418,214,673 404,464,277 392,963,378 384,698,818 374,487,836Idaho 456,641,490 417,126,993 381,312,884 360,507,839 345,616,412Illinois 3,900,622,208 3,657,235,764 3,426,735,867 3,288,291,925 3,196,257,504Indiana 2,081,187,009 1,934,317,610 1,803,093,158 1,717,793,426 1,660,512,327Iowa 835,519,259 779,689,083 738,232,258 711,354,295 689,502,874Kansas 910,504,601 835,198,459 798,087,393 773,287,657 742,603,667Kentucky 1,919,072,461 1,783,563,817 1,694,622,086 1,638,589,244 1,620,654,945Louisiana 2,756,273,145 2,490,841,354 2,231,947,122 2,107,632,611 1,996,794,288Maine 364,195,541 351,322,802 328,764,524 317,652,711 308,055,172Maryland 2,947,016,018 2,721,460,652 2,521,165,268 2,455,821,047 2,377,149,621Massachusetts 2,836,967,911 2,718,120,346 2,597,533,469 2,529,833,825 2,461,684,828Michigan 4,981,589,933 4,700,936,316 4,541,473,113 4,409,610,050 4,117,396,009Minnesota 1,977,432,674 1,891,615,764 1,801,889,539 1,741,581,503 1,680,783,808Mississippi 991,660,412 923,739,271 880,336,277 847,322,508 811,702,423Missouri 2,068,181,384 1,893,866,160 1,741,963,616 1,662,575,879 1,616,989,115Montana 335,281,041 318,328,937 304,495,982 295,132,126 287,346,445Nebraska 647,784,559 596,621,692 557,271,999 529,371,436 513,559,461Nevada 1,451,379,831 1,363,494,877 1,243,785,907 1,181,111,006 1,116,224,983New Hampshire 400,064,867 380,616,504 365,707,837 353,408,589 342,248,174New Jersey 5,023,659,593 4,924,982,255 4,726,438,215 4,732,635,764 4,685,503,511New Mexico 799,825,778 735,002,126 705,067,752 665,565,545 641,967,169New York 8,258,243,808 7,924,684,002 7,540,579,770 7,359,459,441 7,201,372,249North Carolina 2,856,638,998 2,698,951,759 2,635,950,405 2,650,066,551 2,592,790,302North Dakota 191,844,875 188,516,764 188,631,259 183,539,969 171,836,502Ohio 3,617,689,980 3,403,298,985 3,250,089,029 3,147,645,871 2,981,507,778Oklahoma 1,299,441,939 1,279,112,761 1,230,217,636 1,192,955,308 1,156,061,680Oregon 1,886,922,121 1,740,399,904 1,577,131,550 1,518,167,392 1,453,671,738Pennsylvania 4,705,816,928 4,465,728,468 4,282,219,607 4,172,916,676 4,143,881,364Rhode Island 602,093,419 562,284,595 522,757,330 491,671,415 471,884,470South Carolina 2,428,155,617 2,133,535,545 1,937,405,520 1,795,400,291 1,715,000,050South Dakota 219,803,931 214,179,317 206,287,230 196,099,751 185,963,250Tennessee 2,191,236,139 2,025,787,464 1,925,377,352 1,841,856,183 1,768,302,610Texas 11,800,307,523 10,564,664,058 9,557,250,401 8,966,186,327 8,420,801,084Utah 1,057,354,691 958,966,487 885,084,392 826,549,226 783,677,389Vermont 164,673,336 159,883,872 155,403,982 153,227,327 151,237,535Virginia 3,007,241,484 2,823,920,375 2,643,778,115 2,586,895,066 2,494,824,791Washington 3,065,535,820 2,827,032,445 2,608,450,240 2,426,004,727 2,321,024,931West Virginia 665,389,258 658,083,526 648,732,527 646,954,644 652,297,795Wisconsin 1,664,106,509 1,566,431,424 1,483,930,047 1,418,430,719 1,363,222,614Wyoming 155,055,616 150,813,364 147,999,746 147,161,869 141,426,244Countrywide 132,794,228,375 122,717,505,914 114,183,645,477 109,348,419,374 105,096,741,585

Table 1A

Average Premiums and Expenditures 2013-2017Liability Written Premiums



STATE 2017 2016 2015 2014 2013Alabama 3,745,051 3,661,258 3,573,925 3,489,179 3,453,446Alaska 473,271 473,875 469,687 460,517 454,936Arizona 4,493,131 4,424,858 4,292,226 4,105,726 4,015,996Arkansas 2,135,013 2,104,981 2,087,217 2,013,076 2,007,926California 27,283,741 26,859,509 26,110,082 25,517,782 24,697,876Colorado 4,102,053 4,058,264 3,952,828 3,804,302 3,725,977Connecticut 2,324,100 2,374,882 2,343,678 2,302,712 2,285,049Delaware 670,508 666,553 650,543 633,890 621,028District of Columbia 254,581 254,154 249,431 242,278 237,577Florida 13,611,194 13,231,129 12,793,187 12,429,540 11,967,571Georgia 7,370,479 7,205,056 7,019,752 6,904,157 6,772,265Hawaii 891,743 876,678 856,861 835,417 814,531Idaho 1,132,060 1,102,154 1,063,297 1,018,190 1,006,191Illinois 7,687,405 7,670,272 7,606,117 7,505,827 7,481,576Indiana 4,816,672 4,753,588 4,675,459 4,597,867 4,553,225Iowa 2,463,761 2,464,057 2,429,454 2,400,276 2,355,393Kansas 2,276,486 2,267,933 2,205,659 2,179,259 2,170,373Kentucky 3,274,909 3,243,806 3,203,115 3,142,772 3,111,726Louisiana 2,941,781 2,930,107 2,829,262 2,770,328 2,722,311Maine 983,834 967,928 940,074 929,737 910,470Maryland 4,206,537 4,183,643 4,114,565 4,051,316 3,995,041Massachusetts 4,412,652 4,362,828 4,286,059 4,225,508 4,176,713Michigan 5,701,502 5,658,758 5,545,241 5,429,166 5,536,743Minnesota 4,086,226 4,039,323 3,922,844 3,844,115 3,811,287Mississippi 1,938,902 1,912,674 1,882,227 1,865,910 1,844,670Missouri 4,198,243 4,168,790 4,119,179 4,053,521 4,029,279Montana 792,569 793,173 774,899 747,900 736,802Nebraska 1,552,264 1,535,932 1,506,767 1,482,209 1,462,488Nevada 1,817,582 1,844,447 1,776,271 1,727,160 1,698,240New Hampshire 939,465 921,696 908,869 892,251 870,283New Jersey 5,387,730 5,464,704 5,396,921 5,352,460 5,299,174New Mexico 1,458,666 1,417,460 1,391,473 1,330,465 1,346,031New York 9,501,714 9,427,790 9,293,419 9,194,889 9,094,729North Carolina 7,689,162 7,535,423 7,476,307 7,390,919 7,299,776North Dakota 631,777 634,933 632,278 621,278 603,478Ohio 8,246,844 8,166,760 8,072,970 7,990,062 7,922,803Oklahoma 2,584,880 2,668,607 2,654,148 2,599,960 2,602,630Oregon 2,786,879 2,756,914 2,690,287 2,595,909 2,580,997Pennsylvania 8,723,598 8,669,533 8,542,550 8,428,602 8,371,489Rhode Island 692,095 688,068 670,998 652,345 646,219South Carolina 3,762,331 3,690,822 3,613,566 3,504,480 3,453,305South Dakota 671,484 684,084 677,154 660,825 641,954Tennessee 4,804,815 4,671,144 4,555,205 4,415,176 4,345,251Texas 18,694,297 18,367,794 18,075,180 17,367,514 16,954,242Utah 1,861,316 1,817,818 1,761,042 1,699,648 1,685,030Vermont 439,107 437,605 440,509 443,152 435,337Virginia 6,414,901 6,327,660 6,157,906 6,081,489 6,022,770Washington 4,597,967 4,505,596 4,359,886 4,126,451 4,074,620West Virginia 1,296,760 1,293,022 1,289,205 1,275,541 1,283,262Wisconsin 4,034,566 3,988,920 3,931,254 3,853,434 3,824,034Wyoming 437,573 435,675 438,769 433,808 432,496Countrywide 217,296,177 214,662,638 210,309,802 205,620,295 202,446,616

Table 1B

Average Premiums and Expenditures 2013-2017Liability Written Exposures



STATE 2017 2016 2015 2014 2013Alabama 478.68 436.46 403.57 389.25 378.56Alaska 561.06 557.19 566.38 576.34 576.30Arizona 607.66 561.14 527.88 518.26 500.03Arkansas 458.33 419.38 398.26 397.68 388.66California 565.70 520.84 489.28 478.71 463.56Colorado 639.99 574.61 525.55 500.04 472.21Connecticut 743.61 697.30 671.75 660.41 650.73Delaware 843.98 811.05 800.95 796.41 786.76District of Columbia 744.18 681.50 633.66 627.35 628.37Florida 964.28 909.20 860.11 835.45 858.43Georgia 735.15 638.42 578.14 534.69 498.27Hawaii 468.99 461.36 458.61 460.49 459.76Idaho 403.37 378.47 358.61 354.07 343.49Illinois 507.40 476.81 450.52 438.10 427.22Indiana 432.08 406.92 385.65 373.61 364.69Iowa 339.12 316.42 303.87 296.36 292.73Kansas 399.96 368.26 361.84 354.84 342.15Kentucky 585.99 549.84 529.05 521.38 520.82Louisiana 936.94 850.09 788.88 760.79 733.49Maine 370.18 362.96 349.72 341.66 338.35Maryland 700.58 650.50 612.74 606.18 595.03Massachusetts 642.92 623.02 606.04 598.71 589.38Michigan 873.73 830.74 818.99 812.21 743.65Minnesota 483.93 468.30 459.33 453.05 441.00Mississippi 511.45 482.96 467.71 454.11 440.03Missouri 492.63 454.30 422.89 410.16 401.31Montana 423.03 401.34 392.95 394.61 389.99Nebraska 417.32 388.44 369.85 357.15 351.15Nevada 798.52 739.24 700.22 683.85 657.28New Hampshire 425.84 412.95 402.38 396.09 393.26New Jersey 932.43 901.23 875.77 884.20 884.20New Mexico 548.33 518.53 506.71 500.25 476.93New York 869.13 840.57 811.39 800.39 791.82North Carolina 371.51 358.17 352.57 358.56 355.19North Dakota 303.66 296.91 298.34 295.42 284.74Ohio 438.68 416.73 402.59 393.95 376.32Oklahoma 502.71 479.32 463.51 458.84 444.19Oregon 677.07 631.29 586.23 584.83 563.22Pennsylvania 539.44 515.11 501.28 495.09 495.00Rhode Island 869.96 817.19 779.07 753.70 730.22South Carolina 645.39 578.07 536.15 512.32 496.63South Dakota 327.34 313.09 304.64 296.75 289.68Tennessee 456.05 433.68 422.68 417.16 406.95Texas 631.22 575.17 528.75 516.26 496.68Utah 568.07 527.54 502.59 486.31 465.08Vermont 375.02 365.36 352.78 345.77 347.40Virginia 468.79 446.28 429.33 425.37 414.23Washington 666.72 627.45 598.28 587.92 569.63West Virginia 513.12 508.95 503.20 507.20 508.31Wisconsin 412.46 392.70 377.47 368.10 356.49Wyoming 354.35 346.16 337.31 339.23 327.00Countrywide 611.12 571.68 542.93 531.80 519.13

Table 1C

Average Premiums and Expenditures 2013-2017Liability Average Premium



STATE 2017 2016 2015 2014 2013Alabama 956,211,628 866,485,783 794,906,643 734,892,811 695,392,659Alaska 121,350,098 115,865,179 113,325,440 110,651,738 108,579,708Arizona 1,031,104,745 960,718,045 881,907,194 810,810,445 753,718,005Arkansas 516,894,439 478,526,912 446,901,728 417,872,760 400,969,023California 8,748,376,283 8,024,332,693 7,262,241,098 6,587,507,273 6,146,877,510Colorado 972,983,513 906,771,628 829,753,400 748,472,664 689,452,597Connecticut 717,280,426 705,780,889 675,149,535 644,310,275 615,939,831Delaware 180,076,376 172,551,657 160,886,346 149,352,748 140,951,959District of Columbia 102,264,252 97,885,296 94,074,346 88,871,137 84,799,906Florida 3,774,109,900 3,369,685,355 2,961,701,300 2,611,552,164 2,327,035,191Georgia 1,971,303,796 1,782,331,216 1,646,817,907 1,537,179,336 1,455,576,294Hawaii 223,735,810 208,728,786 192,748,936 180,128,714 169,387,845Idaho 198,779,858 179,681,215 163,092,508 147,144,908 138,730,180Illinois 2,113,539,667 2,018,604,996 1,912,594,752 1,783,905,001 1,669,430,670Indiana 1,004,523,919 942,956,740 881,861,130 822,218,258 774,754,077Iowa 434,348,105 420,861,835 396,445,384 370,652,752 352,338,717Kansas 423,930,923 412,373,683 395,507,126 377,132,825 359,147,431Kentucky 647,951,104 600,043,569 556,154,184 523,313,982 502,084,429Louisiana 988,772,490 923,243,140 859,324,931 807,462,123 752,050,244Maine 206,320,623 193,652,807 178,921,413 168,261,893 158,572,797Maryland 1,317,833,303 1,252,319,633 1,152,717,452 1,085,230,573 1,033,976,509Massachusetts 1,601,691,545 1,514,798,991 1,412,592,920 1,339,163,592 1,260,526,051Michigan 1,994,433,276 1,911,092,306 1,766,043,915 1,598,950,289 1,514,302,580Minnesota 796,032,155 751,695,496 701,535,118 649,232,858 602,874,142Mississippi 494,055,589 457,834,915 420,410,964 393,991,839 375,785,617Missouri 939,406,915 884,131,581 824,481,346 767,680,693 741,881,110Montana 141,970,688 136,813,841 130,346,988 124,693,118 117,244,416Nebraska 273,428,538 260,415,137 244,424,914 230,789,132 217,828,052Nevada 462,843,591 435,884,093 398,928,268 369,226,899 351,079,551New Hampshire 272,173,540 261,244,682 246,524,642 228,620,602 212,337,242New Jersey 1,684,008,075 1,639,136,012 1,584,976,274 1,513,418,737 1,462,585,579New Mexico 280,539,115 261,650,879 244,153,604 225,998,432 220,828,702New York 3,175,016,307 2,976,232,533 2,743,431,933 2,521,501,623 2,391,291,353North Carolina 1,795,271,536 1,615,571,943 1,472,818,622 1,397,268,652 1,296,721,426North Dakota 115,106,190 110,612,502 107,484,228 102,242,464 93,786,453Ohio 1,909,952,435 1,813,846,136 1,698,704,848 1,596,925,395 1,518,703,148Oklahoma 579,287,841 584,685,546 559,205,996 524,092,598 495,019,217Oregon 555,793,457 491,637,375 453,925,933 414,944,651 388,586,342Pennsylvania 2,495,005,667 2,351,888,883 2,206,827,162 2,078,226,585 1,967,636,297Rhode Island 227,492,798 214,201,455 196,258,022 179,402,431 167,403,634South Carolina 831,136,854 760,766,039 700,113,432 634,850,381 596,507,697South Dakota 105,060,756 100,656,305 95,031,771 89,370,241 84,263,735Tennessee 1,175,604,382 1,071,256,766 998,652,965 935,798,344 892,211,901Texas 5,588,458,068 5,144,627,931 4,683,067,805 4,288,062,926 3,904,347,777Utah 416,091,861 384,424,859 356,369,020 328,064,893 311,023,520Vermont 115,981,611 110,094,039 105,200,296 99,640,022 93,580,051Virginia 1,496,361,071 1,421,355,890 1,328,254,206 1,259,496,486 1,194,543,176Washington 1,063,020,953 975,040,331 882,988,737 805,948,900 756,628,774West Virginia 310,467,968 300,323,300 292,455,948 280,004,719 271,740,014Wisconsin 776,336,148 749,871,321 700,532,074 652,792,105 612,336,449Wyoming 83,296,161 81,877,780 80,970,313 77,285,989 72,744,118Countrywide 58,407,016,349 54,407,069,924 50,193,745,017 46,414,609,976 43,516,113,706

Table 2A

Average Premiums and Expenditures 2013-2017Collision Written Premiums



STATE 2017 2016 2015 2014 2013Alabama 2,611,736 2,567,509 2,506,313 2,438,333 2,390,053Alaska 327,415 324,275 317,902 307,690 300,270Arizona 3,294,775 3,300,081 3,175,001 3,031,594 2,964,626Arkansas 1,419,778 1,407,703 1,390,979 1,333,595 1,325,253California 19,274,539 18,926,818 18,313,425 17,599,185 17,011,512Colorado 2,981,035 2,966,672 2,883,889 2,770,299 2,701,276Connecticut 1,799,956 1,835,591 1,809,157 1,776,041 1,755,285Delaware 522,964 520,628 506,337 490,175 478,425District of Columbia 205,427 205,490 200,528 193,461 188,350Florida 10,990,134 10,768,961 10,417,280 10,090,331 9,627,566Georgia 5,165,072 5,072,499 4,930,927 4,784,686 4,629,516Hawaii 653,866 637,557 619,193 599,845 580,922Idaho 807,329 777,962 740,048 699,457 684,809Illinois 6,290,351 6,273,589 6,163,808 6,059,002 5,994,228Indiana 3,617,980 3,570,410 3,510,366 3,437,534 3,383,445Iowa 1,777,310 1,818,587 1,789,876 1,756,536 1,709,662Kansas 1,511,437 1,534,734 1,501,781 1,465,774 1,453,530Kentucky 2,156,615 2,136,161 2,071,755 2,011,150 1,972,530Louisiana 2,108,851 2,109,898 2,067,964 2,019,019 1,974,923Maine 720,844 701,328 673,071 655,300 634,974Maryland 3,348,395 3,334,257 3,275,490 3,212,977 3,155,196Massachusetts 3,749,550 3,711,225 3,638,072 3,557,669 3,490,586Michigan 4,309,499 4,319,341 4,200,114 4,050,165 3,979,116Minnesota 3,092,420 3,065,962 2,988,953 2,910,342 2,861,587Mississippi 1,353,369 1,330,970 1,301,971 1,280,444 1,254,983Missouri 3,070,376 3,045,121 2,994,660 2,920,239 2,888,286Montana 510,115 508,418 492,340 472,082 460,849Nebraska 1,036,981 1,048,067 1,026,477 1,002,191 982,239Nevada 1,342,308 1,374,899 1,316,639 1,264,111 1,231,709New Hampshire 851,291 832,590 816,072 794,170 764,802New Jersey 4,176,703 4,216,493 4,136,039 4,069,171 3,999,444New Mexico 921,442 905,814 880,323 849,045 848,883New York 7,263,343 7,197,216 7,088,141 6,844,620 6,697,630North Carolina 5,381,534 5,227,507 5,119,773 5,001,851 4,929,403North Dakota 436,467 437,344 432,098 420,020 400,373Ohio 6,419,919 6,351,602 6,264,291 6,143,514 6,040,761Oklahoma 1,686,070 1,768,470 1,753,875 1,712,790 1,705,592Oregon 2,096,874 2,069,092 2,000,996 1,916,208 1,891,255Pennsylvania 6,865,436 6,829,348 6,720,592 6,608,815 6,517,189Rhode Island 494,028 488,583 476,238 457,719 446,960South Carolina 2,747,366 2,693,955 2,622,646 2,524,841 2,450,821South Dakota 444,519 458,629 450,822 436,143 418,202Tennessee 3,426,410 3,331,772 3,224,285 3,108,026 3,044,217Texas 12,980,190 12,756,496 12,505,316 11,990,883 11,654,249Utah 1,417,134 1,389,071 1,331,385 1,277,015 1,249,253Vermont 357,401 348,556 347,165 342,735 333,394Virginia 4,896,356 4,829,642 4,708,368 4,614,781 4,544,446Washington 3,577,228 3,485,391 3,343,045 3,168,995 3,115,769West Virginia 898,136 890,070 881,413 859,328 849,460Wisconsin 3,188,012 3,138,537 3,081,753 2,993,940 2,932,682Wyoming 287,050 287,738 289,559 283,646 280,783Countrywide 160,863,336 159,128,629 155,298,511 150,607,483 147,181,274

Table 2B

Average Premiums and Expenditures 2013-2017Collision Written Exposures




Table 2C

Average Premiums and Expenditures 2013-2017Collision Average Premium



STATE 2017 2016 2015 2014 2013Alabama 459,379,614 433,010,110 407,224,753 382,413,529 366,007,386Alaska 53,353,389 51,973,215 50,693,855 49,820,818 49,178,924Arizona 706,659,632 657,059,954 617,071,748 583,057,203 566,476,051Arkansas 315,574,513 282,679,695 271,476,393 264,342,148 254,928,740California 1,930,026,168 1,961,922,649 1,912,089,237 1,804,309,447 1,732,056,099Colorado 709,643,653 598,772,769 531,178,366 484,183,661 454,088,461Connecticut 269,827,051 271,110,527 269,814,876 262,503,077 253,231,479Delaware 72,909,197 69,320,103 63,871,209 59,346,750 56,344,837District of Columbia 47,921,187 48,749,465 48,684,897 46,954,777 45,075,340Florida 1,569,884,239 1,380,142,084 1,265,007,395 1,165,215,104 1,072,130,628Georgia 918,451,425 868,290,666 821,183,386 772,222,706 734,855,937Hawaii 74,519,709 71,000,970 66,397,675 62,658,898 59,989,379Idaho 112,763,472 101,311,183 92,526,585 85,016,168 79,990,063Illinois 881,999,527 865,338,365 832,255,129 793,460,978 738,782,017Indiana 499,794,376 476,508,581 453,020,633 426,393,752 406,134,150Iowa 391,522,016 366,572,359 344,722,714 328,748,644 310,915,435Kansas 410,483,929 384,742,314 370,167,930 357,681,909 336,781,961Kentucky 368,365,750 341,428,789 317,311,796 292,055,806 276,000,564Louisiana 502,064,618 479,477,230 457,671,683 435,882,801 412,432,545Maine 86,073,641 80,920,015 74,243,227 68,744,495 65,436,895Maryland 570,219,130 551,754,212 525,666,374 504,444,031 489,252,549Massachusetts 576,773,815 551,049,176 526,679,932 506,605,276 487,824,954Michigan 770,132,268 767,580,866 724,422,146 670,677,080 639,563,630Minnesota 659,473,620 626,797,247 602,360,761 575,370,203 548,145,048Mississippi 318,325,722 299,924,139 281,217,680 264,451,251 246,711,638Missouri 641,275,790 588,399,383 557,231,202 526,646,603 490,599,417Montana 144,690,531 124,779,855 111,225,203 105,348,203 99,242,165Nebraska 269,208,463 252,956,230 243,799,328 225,346,508 210,598,056Nevada 159,679,454 160,228,318 156,102,162 149,546,653 144,779,803New Hampshire 101,904,278 97,300,889 92,299,264 86,986,894 82,766,480New Jersey 567,282,815 576,784,747 565,894,876 535,944,348 511,331,231New Mexico 189,012,458 165,212,135 156,361,955 145,172,469 142,998,362New York 1,391,389,104 1,385,832,737 1,311,923,264 1,225,208,257 1,135,736,657North Carolina 773,245,617 716,533,936 668,630,649 711,201,232 671,071,086North Dakota 109,982,745 106,677,866 106,798,180 104,737,545 99,460,856Ohio 886,772,544 851,838,690 819,083,166 779,390,139 746,305,886Oklahoma 435,660,097 417,278,853 404,043,517 380,284,236 347,047,889Oregon 236,057,369 218,966,613 206,726,185 190,400,125 180,835,913Pennsylvania 1,186,039,211 1,123,174,821 1,036,124,286 975,986,653 924,223,304Rhode Island 70,550,467 70,420,025 66,709,228 61,103,836 57,241,101South Carolina 579,620,771 541,020,750 508,312,564 469,006,630 434,038,602South Dakota 140,754,941 131,394,671 121,576,298 110,310,678 100,945,831Tennessee 576,133,093 540,857,309 509,355,145 477,784,955 445,851,458Texas 3,115,576,966 2,822,150,482 2,645,910,555 2,474,509,889 2,327,360,455Utah 182,508,135 164,329,069 153,632,561 147,155,520 141,156,228Vermont 54,202,147 50,771,871 47,954,548 45,767,472 43,851,684Virginia 755,129,886 725,702,838 686,210,786 658,660,510 633,346,570Washington 441,970,888 412,262,929 389,613,332 363,472,681 346,861,882West Virginia 208,591,954 202,628,874 197,615,961 188,917,226 183,443,440Wisconsin 509,622,345 481,812,710 453,344,803 427,893,039 407,445,213Wyoming 86,414,763 78,453,277 74,681,070 69,200,534 65,942,078Countrywide 27,089,418,493 25,595,206,561 24,218,120,468 22,882,543,347 21,656,816,357

Table 3A

Average Premiums and Expenditures 2013-2017Comprehensive Written Premiums



STATE 2017 2016 2015 2014 2013Alabama 2,703,777 2,656,144 2,596,272 2,524,571 2,487,566Alaska 379,727 373,948 366,281 354,986 346,419Arizona 3,448,354 3,440,213 3,319,147 3,158,025 3,133,178Arkansas 1,456,257 1,442,999 1,425,349 1,365,768 1,365,751California 20,073,955 19,667,011 19,017,367 18,275,217 17,710,299Colorado 3,108,158 3,090,645 3,002,837 2,884,220 2,856,653Connecticut 2,014,955 2,058,253 2,028,545 1,987,756 1,961,126Delaware 547,426 543,935 529,896 516,135 504,152District of Columbia 213,664 212,851 207,937 200,477 194,974Florida 11,385,554 11,153,952 10,815,427 10,439,326 10,002,375Georgia 5,412,935 5,307,402 5,157,959 5,010,684 4,856,719Hawaii 696,637 677,689 656,389 632,999 609,429Idaho 861,683 830,195 790,185 747,751 741,056Illinois 6,615,443 6,577,940 6,494,763 6,382,702 6,344,709Indiana 3,823,789 3,771,065 3,710,920 3,643,334 3,601,552Iowa 1,850,334 1,894,724 1,867,469 1,836,109 1,795,862Kansas 1,536,835 1,564,230 1,527,077 1,497,856 1,483,548Kentucky 2,340,583 2,323,038 2,251,004 2,189,582 2,148,836Louisiana 2,166,305 2,161,286 2,118,549 2,069,207 2,025,301Maine 793,045 769,908 737,408 715,176 685,583Maryland 3,512,486 3,489,464 3,434,629 3,370,261 3,310,068Massachusetts 3,975,034 3,955,712 3,902,376 3,819,430 3,753,242Michigan 4,889,768 4,879,882 4,720,405 4,540,517 4,443,765Minnesota 3,336,163 3,318,378 3,249,868 3,173,723 3,170,546Mississippi 1,387,565 1,364,839 1,335,623 1,314,559 1,289,094Missouri 3,142,227 3,111,490 3,069,546 2,997,750 2,989,049Montana 540,203 538,105 521,241 500,264 498,741Nebraska 1,062,795 1,078,190 1,057,296 1,034,723 1,021,072Nevada 1,383,008 1,411,916 1,354,064 1,294,078 1,269,244New Hampshire 881,291 860,492 846,000 828,616 800,556New Jersey 4,393,398 4,457,252 4,368,914 4,277,567 4,200,623New Mexico 954,861 934,523 908,922 876,375 884,743New York 7,759,475 7,858,654 7,726,063 7,447,336 7,289,303North Carolina 5,792,400 5,629,489 5,525,963 5,451,286 5,408,290North Dakota 455,389 456,452 451,180 439,260 422,014Ohio 6,902,927 6,839,549 6,745,861 6,630,250 6,547,385Oklahoma 1,711,055 1,791,211 1,773,732 1,730,212 1,751,064Oregon 2,318,845 2,281,343 2,210,674 2,115,821 2,103,875Pennsylvania 7,294,514 7,249,443 7,151,626 7,073,075 6,998,344Rhode Island 516,568 511,523 499,897 482,097 472,053South Carolina 2,938,584 2,877,941 2,799,815 2,677,183 2,600,581South Dakota 455,942 472,793 465,905 451,917 438,677Tennessee 3,643,499 3,541,394 3,428,204 3,306,884 3,247,983Texas 13,304,694 13,075,408 12,817,949 12,866,218 12,505,009Utah 1,490,629 1,461,871 1,401,813 1,346,194 1,321,606Vermont 379,482 371,585 373,113 371,876 360,776Virginia 5,172,008 5,095,552 4,969,747 4,875,964 4,807,419Washington 3,884,810 3,778,385 3,627,787 3,441,679 3,404,739West Virginia 977,737 972,325 965,204 945,123 937,656Wisconsin 3,424,238 3,367,642 3,313,017 3,226,539 3,172,631Wyoming 296,730 296,685 298,829 293,507 297,479Countrywide 169,607,741 167,846,916 163,936,044 159,632,165 156,572,715

Table 3B

Average Premiums and Expenditures 2013-2017Comprehensive Written Exposures




Table 3C

Average Premiums and Expenditures 2013-2017Comprehensive Average Premium



STATE 2017 2016 2015 2014 2013Alabama 856.67 791.40 739.93 709.48 685.91Alaska 930.20 911.37 915.59 924.80 923.07Arizona 994.42 926.76 877.11 857.76 828.76Arkansas 848.24 781.00 742.44 736.57 715.32California 957.08 892.64 840.65 807.58 782.57Colorado 1,050.19 945.59 869.84 824.06 779.12Connecticut 1,168.33 1,108.65 1,074.95 1,054.22 1,031.10Delaware 1,221.29 1,173.92 1,146.44 1,125.65 1,104.46District of Columbia 1,334.11 1,258.45 1,206.00 1,187.97 1,175.03Florida 1,356.90 1,268.19 1,190.50 1,139.30 1,142.47Georgia 1,127.22 1,006.30 929.72 869.19 821.71Hawaii 803.45 780.44 761.05 751.11 741.37Idaho 678.57 633.41 599.02 582.08 560.86Illinois 897.07 852.80 811.40 781.48 749.10Indiana 744.39 705.53 671.16 645.17 624.04Iowa 674.33 635.99 608.94 587.75 574.32Kansas 766.50 719.74 708.98 692.03 662.80Kentucky 896.33 840.07 801.75 780.83 770.87Louisiana 1,443.72 1,328.81 1,254.37 1,209.60 1,161.25Maine 667.38 646.63 619.02 596.58 584.38Maryland 1,149.42 1,081.72 1,020.65 998.56 976.31Massachusetts 1,136.60 1,096.53 1,058.50 1,035.52 1,007.98Michigan 1,358.62 1,304.10 1,268.10 1,230.25 1,132.66Minnesota 840.12 809.57 791.72 771.62 743.00Mississippi 930.45 879.13 840.48 806.99 777.48Missouri 869.14 807.52 758.32 729.47 707.19Montana 784.72 731.14 704.70 702.20 683.81Nebraska 766.89 722.68 693.87 664.89 644.10Nevada 1,141.02 1,062.44 1,012.69 984.21 949.27New Hampshire 824.03 801.96 775.17 749.81 732.35New Jersey 1,350.28 1,306.73 1,274.30 1,267.08 1,256.69New Mexico 870.23 819.68 794.54 779.23 747.23New York 1,349.72 1,303.25 1,247.76 1,207.86 1,179.63North Carolina 705.56 667.65 639.01 643.84 624.76North Dakota 659.94 639.13 637.24 628.58 604.97Ohio 777.80 743.13 714.47 691.35 662.20Oklahoma 895.36 854.78 826.43 806.68 767.73Oregon 961.21 889.04 831.80 818.02 783.84Pennsylvania 961.40 915.94 880.90 857.45 840.44Rhode Island 1,300.60 1,230.85 1,170.98 1,122.38 1,077.85South Carolina 1,020.35 930.77 870.56 827.30 795.05South Dakota 693.42 652.30 624.52 598.92 578.19Tennessee 820.63 778.80 753.73 737.33 714.89Texas 1,096.82 1,008.91 934.22 905.64 864.24Utah 889.67 829.41 792.19 765.91 733.43Vermont 762.59 732.97 700.46 673.89 663.09Virginia 819.77 785.60 756.47 740.78 717.73Washington 994.03 935.36 890.17 871.31 840.45West Virginia 913.39 897.92 883.34 874.83 863.02Wisconsin 731.20 701.47 670.98 648.54 623.17Wyoming 742.20 714.17 692.05 676.91 647.66Countrywide 1,004.58 944.36 896.75 868.81 841.06

Table 4

Average Premiums and Expenditures 2013-2017Average Expenditure



STATE 2017 2016 2015 2014 2013Alabama 1,014.70 936.97 877.58 842.12 816.65Alaska 1,072.19 1,053.48 1,061.26 1,076.31 1,079.87Arizona 1,125.54 1,043.26 991.55 970.34 935.07Arkansas 1,039.10 955.21 910.01 904.57 877.88California 1,115.73 1,044.57 986.38 951.75 922.69Colorado 1,194.70 1,074.00 990.16 938.09 886.40Connecticut 1,276.02 1,213.52 1,177.94 1,155.25 1,130.76Delaware 1,321.51 1,269.92 1,239.23 1,216.09 1,193.14District of Columbia 1,466.27 1,386.88 1,336.92 1,320.94 1,309.78Florida 1,445.57 1,345.84 1,261.38 1,205.88 1,207.33Georgia 1,286.49 1,153.39 1,071.33 1,010.08 963.99Hawaii 918.13 893.52 871.05 859.77 849.78Idaho 780.46 731.46 696.09 678.13 654.01Illinois 976.73 930.12 888.96 856.84 822.16Indiana 840.43 797.38 758.94 729.83 706.44Iowa 795.10 741.32 709.95 686.42 671.95Kansas 947.54 882.92 867.60 850.93 816.25Kentucky 1,043.82 977.71 938.46 914.97 903.80Louisiana 1,637.57 1,509.51 1,420.45 1,371.37 1,317.93Maine 764.94 744.19 716.23 694.55 683.53Maryland 1,256.49 1,184.21 1,117.71 1,093.62 1,070.54Massachusetts 1,215.18 1,170.49 1,129.29 1,107.76 1,080.48Michigan 1,494.03 1,430.48 1,392.93 1,354.70 1,268.14Minnesota 939.01 902.36 879.39 857.42 824.57Mississippi 1,105.92 1,046.69 1,001.17 962.98 930.84Missouri 1,002.67 933.75 879.74 848.72 822.30Montana 969.19 902.32 871.08 869.33 843.39Nebraska 934.30 871.53 838.55 805.22 779.17Nevada 1,258.79 1,169.76 1,118.50 1,091.49 1,056.39New Hampshire 861.19 839.80 813.56 788.94 774.28New Jersey 1,464.74 1,419.38 1,388.50 1,381.41 1,371.62New Mexico 1,050.73 984.18 956.08 932.08 898.70New York 1,485.58 1,430.44 1,368.24 1,333.29 1,304.66North Carolina 838.61 794.50 761.24 768.37 742.33North Dakota 808.90 783.54 783.79 777.29 754.67Ohio 864.64 826.84 795.18 771.43 741.71Oklahoma 1,100.90 1,042.89 1,010.14 984.61 932.62Oregon 1,043.93 964.88 906.59 891.36 854.64Pennsylvania 1,065.44 1,014.42 974.53 947.54 928.98Rhode Island 1,467.02 1,393.27 1,324.62 1,272.39 1,226.02South Carolina 1,145.15 1,048.45 984.65 938.94 906.92South Dakota 872.40 810.47 776.38 745.76 721.29Tennessee 957.28 907.93 880.98 862.74 837.31Texas 1,295.93 1,194.30 1,109.66 1,066.20 1,017.81Utah 984.12 916.70 879.85 852.52 820.86Vermont 842.36 817.85 784.34 759.56 749.64Virginia 920.40 883.00 849.51 833.38 808.83Washington 1,077.65 1,016.31 969.81 947.85 914.34West Virginia 1,072.14 1,054.76 1,039.75 1,032.93 1,023.85Wisconsin 804.81 774.69 741.62 718.75 693.71Wyoming 935.76 895.15 866.85 847.48 807.75Countrywide 1,133.92 1,066.07 1,013.87 983.33 953.11

Table 5

Average Premiums and Expenditures 2013-2017Combined Average Premium




Auto Insurance Earned and Incurred Data

General Information





2014-2016 Auto Insurance Earned and Incurred Data Technical Notes (General)

Voluntary Market Business and Residual Market Business

Data Sources For voluntary and residual market tables, earned premiums, earned exposures, incurred losses, and incurred claims, data were obtained from AAIS, ISO, NISS, ISS, the California Department of Insurance, the Texas Department of Insurance, MAIF, and M-CAR.

Data Tables Data and results are shown for voluntary market, residual market and for the combined (total) business. Except:

North Carolina—Voluntary market and residual market data are combined in the voluntary market tables.

Texas—Earned exposures and incurred claims are not available.

Calculations—Loss Results Pure Premium=(Incurred Losses/Earned

Exposures) Loss Ratio=[(Incurred Losses/Earned

Premiums) 100] Frequency=[(Incurred Claims/Earned

Exposures) 100] Severity=(Incurred Losses/Incurred Claims)

Claim Counting (This comment only applies to results derived from claim counts; i.e., frequency and severity.)

When reporting loss data to statistical agents or the states, some insurers count claims on a “per-accident” basis, while others count claims on a “per-claimant” basis. The percentage of claims filed each way has not been determined for this report. Unless there are changes with the way an insurer reports claims over the reporting period, or the relative market shares of individual companies shift significantly, the difference

in claim reporting should not bias the data within a state, but direct comparisons between state results could be misleading.

Countrywide Totals Texas earned exposures and incurred claims are not available. Therefore, Texas pure premium, frequency and severity could not be calculated. For each table, two “Countrywide Total” lines are shown: The total of all states including Texas,

where available; and The total of all states except Texas; or Massachussetts earmed premiums are not

available for Medical Payments andUninsured and Underinsured Motorist(UM/UIM). Therefore, there is a total forall states except Texas andMassachusetts..

Data Reporting Basis Liability data are reported on a calendar/ accident year basis, where earned premiums reported are for the calendar year, and incurred losses are reported for accidents that occurred within that calendar year regardless of when losses are paid or when the policy was effective/issued.

Physical damage data are reported on a calendar year basis, where all earned premium and incurred losses reported are for the calendar year. Except:

California—Physical damage losses are reported on an accident year basis.

Limits Losses are reported at total limits.

Loss Adjustment Expenses Incurred losses include loss, and allocated and unallocated loss adjustment expenses (ALAE and ULAE). Except:



AAIS—Collision and comprehensive loss data exclude ALAE. California, Massachusetts, and Texas—Incurred losses exclude ULAE.

Loss Development Incurred loss data are developed to 63 months for:

Bodily injury liability Personal injury protection (PIP) Combined single limit—bodily

injury component (CSLBI) Uninsured/underinsured motorist—

bodily injury componentExcept:

ISO—Bodily injury liability and uninsured/underinsured motorist bodily injury liability (UMBI/UIMBI) incurred losses are developed to 87 months.

California— Incurred losses for all liability coverages are developed to 42 months.

Texas— Bodily injury liability, PIP, CLSBI, and uninsured/underinsured motorist bodily injury liability (UMBI/UIMBI) incurred losses were developed to 51 months.

Incurred loss data have been developed to 39 months for:

Property damage liability Medical payments Combined single limit—property

damage liability component Uninsured/underinsured motorist—

property damage component Other liability (not shown

separately)

Physical damage (collision and comprehensive) coverage incurred losses are not developed.

Except: California—collision and

comprehensive incurred losses are developed to 27 months.

Data Not Available – n/a Texas - The lack of availability of data for Texas is denoted by “n/a” (i.e. Texas exposures and incurred claim counts). When data for Texas is not available, any calculations involving this data will also be denoted by “n/a” (i.e. Texas frequency, severity, and pure premium).

Massachusetts—Massachusetts Commonwealth Automobile Reinsurers (M-CAR) collects bodily injury liability, uninsured motorist and medical payments data as a total premium. However, due to the competitive nature of the rates in Massachusetts, it is not possible to project UM/UIM and Medical Payments. Therefore, the bodily injury liability portion of this report includes uninsured motorist and medical payment premiums for Massachussets. For this reason, tables 6A through 8D and 18A through 23D-2 contain Countrywide totals which exclude Texas and Massachussets. The earned premiums are indicated by “n/a”.

When data for Massachusetts is not available, any calculations involving this data will also be denoted by “n/a” (i.e., Loss Ratio). This will be relevant to Tables 18A through 23D-2.

Dash (-) Calculations in which the denominator is zero are denoted by a dash (-).



2014-2016 Auto Insurance Earned and Incurred Data

State-Specific Information (General) Voluntary Market Business and Residual Market Business California The 2016 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. Loss results are not directly comparable to states with rural areas. Hawaii In Hawaii, coverage for Certified Public Assistance Insureds (CPAI) is provided via an indivisible premium policy. CPAI data is reported under involuntary (residual) "Other Liability". This data is reported in the involuntary (residual) Total Liability tables. CPAI coverage is an indivisible premium coverage which provides coverage for BI, PD and PIP. Thus the CPAI losses and claims are an aggregation of BI, PD and PIP data. Illinois To obtain more geographically specific data, contact the Illinois Department of Insurance. 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. Massachusetts Data for Massachusetts reflect Safe Driver Plan credits and surcharges for 2014-2016. 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. North Carolina North Carolina voluntary market data contain the residual market data, including all business written by designated agents. 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.





Bodily Injury Liability





Bodily Injury Liability

All of the states require drivers operating a motor vehicle to be financially responsible for accidents up to a fixed dollar amount. Most of the states require this to be in the form of liability insurance purchased from an insurer. Insurance is the most popular means of meeting the requirements, even in those states allowing other options. Bodily Injury Liability (BI) coverage pays damages for injury to another person(s), for which the insured driver is legally liable, through the ownership, maintenance, or use of a covered vehicle, up to the specified limits of the auto policy. The insurer also agrees to defend the insured and pay all legal defense costs. Defense costs are in addition to the policy limits. The minimum required limits of coverage vary by state and are represented in the form ## / ## / ##, where the first number refers to the dollar limit (in thousands) of bodily injury liability coverage for each injured person, the second number refers to the total limit of BI coverage for all persons injured, and the third number refers to the property damage liability (PD) limit per accident. For example, 10/20/5 means $10,000 of bodily injury liability coverage for each injured person, subject to a limit of $20,000 bodily injury coverage for all persons injured in an accident, $5,000 in liability coverage for property damage. In most states, a policy can be purchased that contains a single limit of coverage for both bodily injury and property damage liability.1 Auto tort insurance laws determine how liability is assigned in an accident. There are three types of auto insurance systems: 1) traditional tort; 2) no-fault; and 3) add-on. In a traditional tort auto insurance system, an accident victim can sue the at-fault driver to recover economic or monetary damages (medical, wage loss, rehabilitation, funeral expenses, etc.) and general or “non-economic” damages (pain and suffering). Under tort systems, an insured can purchase medical

1 See Combined Single Limit Liability, Page 67.

payments coverage2 that provides compensation for their own medical and funeral benefits without regard to fault. In a no-fault auto insurance system, losses must surpass a specified threshold before an injured person may sue for damages resulting from an accident. The threshold can be monetary—where tort restriction does not apply until damages are above a certain dollar amount—or it can be verbal—where tort restriction applies, except for injuries of the type and severity verbally stated in the law. A few no-fault states have a choice system where the policyholder can retain unrestricted tort rights, or choose to limit his or her right to compensation for noneconomic damages in exchange for a lower liability premium. In those states where limitations on recovery for non-economic or other damages are required, or offered as a choice, insurers will likely pay fewer BI claims at lower settlement amounts. The cost of liability coverage might be lower in these states. Whether no-fault coverage is required or optional, a policyholder can purchase personal injury protection (PIP)3 coverage that provides the policyholder with a broader range of benefits for economic damages that cannot be recovered through a lawsuit. Depending on state law, PIP may be required or optional.4 Some of the states have laws that require auto insurers to offer PIP benefits but do not restrict the right of the policyholder to pursue a liability claim or lawsuit, as well. In these states, PIP is “added on” to the existing tort liability system, sometimes in the form of separate packages of PIP coverages similar to those sold in no-fault states, and sometimes by simply offering to add some wage replacement benefits to the medical and funeral benefits in medical payments coverage.

2 See Medical Payments, Page 111. 3 See Personal Injury Protection, Page 95. 4 See State Laws, Page 217.



Bodily Injury Liability State-Specific Information and Technical Notes


Bodily Injury Liability Data

Texas—Bodily injury liability data include data for the bodily injury component of a combined single limits policy.

Bodily Injury Liability—Required Limits

California—The minimum basic limit for bodily injury is 15/30. Eligible residents from all California counties that meet certain criteria may purchase a low-cost auto policy with a bodily injury limit of 10/20.

New Jersey—The minimum bodily injury limits for New Jersey are 15/30 with a standard $250,000 PIP benefit. This is the coverage most insureds purchase. However, a “basic” policy also exists, whereby an insured can purchase $15,000 of PIP benefits and no bodily injury liability or bodily injury limits of 10/10.

Bodily Injury—Earned Premiums

Massachusetts—Massachusetts Commonwealth Automobile Reinsurers (M-CAR) collects bodily injury liability, uninsured motorists, and medical payments data as a total premium. Some of the previous reports have included a calculated value for both uninsured motorists and medical payments premiums; however, due to the competitive nature of the rates in Massachusetts, it is not possible to project these values. Therefore, the bodily injury liability portion of this report includes both uninsured motorist and medical payments premiums.

Bodily Injury Liability Calculations—Loss Experience Results

Texas—Earned exposure and incurred claims data are not available, as indicated by “n/a.” Because the results for pure premium, frequency, and severity are calculated using earned exposures and incurred claims, there is no data in these columns for Texas.

Bodily Injury Liability—Loss Development BI incurred losses have been developed to 63 months.

Except: California—BI incurred losses are developed to 42 months.

Massachusetts—All BI losses include paid and outstanding losses with no adjustment for losses incurred but not reported.

ISO develops BI losses to 87 months.

Texas— BI incurred losses are developed to 51 months.




STATE 2016 2015 2014 2016 2015 2014

Alabama 592,838,236 537,204,591 513,608,881 3,544,360 3,479,605 3,416,468

Alaska 107,490,165 109,267,776 107,667,452 472,767 466,927 457,712

Arizona 1,061,328,483 982,521,623 939,546,287 4,214,685 4,063,641 3,936,236

Arkansas 294,198,147 284,787,616 281,512,415 1,853,001 1,821,923 1,781,138

California 6,022,711,311 5,557,870,184 5,334,951,368 26,368,366 25,525,924 25,050,060

Colorado 856,215,107 777,667,609 715,792,826 3,780,838 3,688,032 3,586,162

Connecticut 769,206,034 718,528,328 686,999,899 2,012,348 1,948,911 1,898,459

Delaware 189,026,825 183,130,964 179,592,118 601,596 583,152 567,450

District of Columbia 63,988,143 60,085,736 58,858,181 239,423 234,302 227,154

Florida 4,006,247,010 3,719,267,820 3,475,734,377 11,848,076 11,478,964 11,042,906

Georgia 1,909,981,341 1,638,286,241 1,448,210,083 6,383,777 6,258,375 6,182,471

Hawaii 109,668,119 107,009,757 105,180,914 829,619 812,271 788,696

Idaho 170,020,829 160,160,253 154,710,741 1,044,897 1,012,364 988,764

Illinois 1,444,343,627 1,363,604,531 1,316,951,068 6,678,191 6,603,408 6,573,430

Indiana 743,508,644 697,082,238 673,494,880 4,413,771 4,352,158 4,301,270

Iowa 278,315,617 268,702,046 261,478,345 2,319,598 2,293,502 2,262,689

Kansas 267,920,447 257,093,559 245,229,389 2,029,539 1,993,875 1,972,443

Kentucky 658,123,624 636,882,180 621,942,479 2,942,811 2,912,892 2,864,454

Louisiana 1,217,858,953 1,077,404,907 1,012,221,413 2,749,155 2,687,892 2,629,762

Maine 121,488,706 116,339,658 112,913,227 761,877 747,211 730,891

Maryland 994,055,561 936,314,143 919,758,322 3,927,451 3,848,897 3,788,248

Massachusetts 1,293,503,992 1,256,473,024 1,222,461,807 4,282,395 4,191,881 4,125,514

Michigan 675,352,299 636,642,434 610,332,879 5,382,355 5,298,219 5,265,960

Minnesota 457,921,750 438,507,128 427,382,887 3,765,707 3,663,071 3,603,748

Mississippi 350,047,389 339,623,388 324,566,467 1,782,263 1,774,209 1,762,537

Missouri 747,791,318 693,907,145 666,500,765 3,730,459 3,686,091 3,630,363

Montana 127,277,913 123,641,500 120,181,852 724,964 709,691 693,836

Nebraska 232,598,685 217,910,324 209,229,578 1,463,038 1,429,662 1,410,061

Nevada 687,789,834 625,393,622 592,627,656 1,730,685 1,675,154 1,631,707

New Hampshire 145,416,096 140,575,855 135,821,782 839,666 826,387 808,097

New Jersey 1,183,789,467 1,114,996,298 1,097,668,527 4,137,750 4,037,970 3,941,198

New Mexico 282,459,440 275,482,829 263,967,854 1,368,970 1,343,199 1,329,485

New York 2,383,812,706 2,264,916,456 2,214,213,854 8,269,437 8,136,654 8,002,478

North Carolina 1,151,924,055 1,122,303,407 1,120,829,415 6,810,590 6,709,369 6,684,356

North Dakota 47,380,874 47,830,611 45,323,849 517,210 515,364 505,081

Ohio 1,324,786,529 1,290,840,553 1,248,086,119 7,503,107 7,418,190 7,342,559

Oklahoma 487,598,352 474,123,978 459,393,821 2,451,572 2,421,873 2,380,292

Oregon 676,971,631 641,419,319 618,323,249 2,616,940 2,572,444 2,517,708

Pennsylvania 1,279,601,070 1,237,660,400 1,241,026,594 7,964,968 7,837,229 7,746,200

Rhode Island 210,963,654 196,742,112 186,540,198 571,677 553,492 538,612

South Carolina 904,315,518 832,487,192 774,669,574 3,505,876 3,434,617 3,340,176

South Dakota 91,337,336 87,959,330 82,133,321 654,603 644,261 629,300

Tennessee 758,058,873 729,827,815 702,266,601 4,331,274 4,201,255 4,073,862

Texas 3,974,909,163 3,596,372,779 3,392,467,801 n/a n/a n/a

Utah 373,176,705 346,640,918 326,381,175 1,746,523 1,690,748 1,651,900

Vermont 56,245,132 54,894,624 53,720,173 370,371 370,056 367,875

Virginia 1,148,246,356 1,123,186,635 1,092,604,571 5,957,183 5,940,823 5,865,697

Washington 1,141,214,629 1,069,059,026 1,014,427,459 4,295,911 4,150,021 4,031,477

West Virginia 279,115,174 280,693,460 294,460,016 1,250,865 1,246,581 1,241,817

Wisconsin 671,395,812 642,972,380 617,203,498 3,682,336 3,641,119 3,595,883

Wyoming 56,813,271 57,148,983 56,802,495 422,613 424,414 422,168

Countrywide 45,080,349,952 42,149,445,285 40,377,970,502 181,147,454 177,358,270 174,186,810

CW w/o TX and MA 39,811,936,797 37,296,599,482 35,763,040,894 176,865,059 173,166,389 170,061,296

Table 6A

Bodily Injury Liability 2014-2016

Earned Premiums Earned Exposures

Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 532,479,575 503,843,985 436,431,789 32,147 31,491 29,020

Alaska 77,240,954 68,600,527 66,577,970 3,497 3,440 3,302

Arizona 885,466,307 832,676,033 741,755,037 57,874 56,342 53,799

Arkansas 246,934,260 225,098,236 200,992,997 21,692 19,961 19,282

California 4,355,430,196 4,150,067,613 3,853,584,657 248,660 246,879 239,972

Colorado 722,782,007 685,197,891 647,258,724 30,547 31,868 30,673

Connecticut 584,497,727 572,007,735 536,546,155 27,825 28,198 26,358

Delaware 148,237,261 148,113,699 135,483,690 9,033 9,054 8,410


Florida 3,385,784,535 3,202,057,137 2,903,618,512 168,903 163,844 147,705

Georgia 1,856,897,196 1,723,051,902 1,428,269,892 116,328 114,915 99,602

Hawaii 54,622,335 57,569,141 61,666,730 1,618 1,810 1,828

Idaho 135,425,286 124,055,816 110,594,228 8,623 8,689 8,405

Illinois 1,193,125,073 1,124,196,209 1,030,421,884 58,582 59,896 56,806

Indiana 568,007,384 557,262,872 506,255,905 31,848 32,861 30,759

Iowa 216,248,526 199,979,117 186,756,308 12,972 12,857 11,953

Kansas 208,795,603 213,293,101 199,758,518 8,797 8,587 7,860

Kentucky 546,144,934 523,164,501 480,039,055 31,070 30,571 29,238

Louisiana 1,162,597,712 1,072,458,470 908,917,475 70,555 66,836 59,379

Maine 78,860,232 77,422,407 80,166,310 4,577 4,755 4,671

Maryland 910,870,928 853,709,624 777,984,659 76,235 75,056 67,912

Massachusetts 728,687,360 697,193,001 671,924,987 56,190 56,177 52,891

Michigan 537,450,769 519,858,258 434,325,824 9,211 9,358 8,439

Minnesota 324,662,161 314,291,627 292,505,188 12,028 11,744 12,042

Mississippi 292,305,612 279,152,479 251,112,004 18,165 18,550 18,282

Missouri 600,966,024 589,417,188 502,898,734 34,374 35,401 33,219

Montana 84,791,488 91,062,761 81,596,558 4,079 4,379 4,274

Nebraska 165,713,505 172,230,962 162,584,688 9,831 9,645 9,191

Nevada 586,458,833 581,520,776 533,360,338 29,173 28,452 27,195

New Hampshire 105,680,983 94,430,398 100,802,336 5,019 5,075 5,177

New Jersey 956,922,779 965,034,417 908,828,992 27,261 27,731 26,916

New Mexico 211,754,819 196,626,597 203,864,645 13,651 13,879 14,053

New York 2,060,897,002 1,958,611,894 1,805,618,348 59,914 58,768 54,116

North Carolina 919,493,546 853,691,354 812,854,339 89,982 88,750 84,482

North Dakota 28,121,204 27,313,719 24,552,167 904 982 974

Ohio 1,004,885,653 984,265,757 894,771,055 80,180 82,298 79,385

Oklahoma 350,356,049 342,753,642 303,890,019 23,601 24,993 23,805

Oregon 490,612,200 500,695,342 471,559,134 33,603 33,652 32,527

Pennsylvania 979,637,787 984,065,325 901,711,422 45,844 46,498 43,630

Rhode Island 170,840,539 161,017,278 156,195,638 11,147 11,095 10,495

South Carolina 801,072,962 784,009,154 679,917,139 65,291 66,145 58,896

South Dakota 62,436,773 64,136,061 54,293,169 2,743 2,740 2,681

Tennessee 547,725,152 512,289,236 471,076,014 36,571 34,933 31,784

Texas 3,071,423,669 2,846,905,878 2,498,101,313 n/a n/a n/a

Utah 289,707,201 286,071,518 258,393,526 17,380 17,272 15,651

Vermont 36,274,594 39,844,714 35,498,757 1,909 2,034 1,999

Virginia 958,265,584 896,511,633 828,057,585 64,666 64,827 59,909

Washington 887,130,445 882,724,161 826,852,187 54,315 54,313 52,356

West Virginia 184,818,263 174,830,466 168,237,254 11,169 11,655 11,628

Wisconsin 500,224,033 497,050,522 490,263,264 23,138 23,364 23,308

Wyoming 36,912,815 40,086,525 35,857,016 1,798 1,801 2,004

Countrywide 35,911,143,654 34,313,281,133 31,208,070,242 1,870,306 1,860,065 1,743,055

CW w/o TX and MA 32,111,032,625 30,769,182,254 28,038,043,942 1,814,116 1,803,888 1,690,164

Table 6B



Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 150.23 144.80 127.74 89.82 93.79 84.97

Alaska 163.38 146.92 145.46 71.86 62.78 61.84

Arizona 210.09 204.91 188.44 83.43 84.75 78.95

Arkansas 133.26 123.55 112.85 83.93 79.04 71.40

California 165.18 162.58 153.84 72.32 74.67 72.23

Colorado 191.17 185.79 180.49 84.42 88.11 90.43

Connecticut 290.46 293.50 282.62 75.99 79.61 78.10

Delaware 246.41 253.99 238.76 78.42 80.88 75.44

District of Columbia 269.25 263.60 235.46 100.75 102.79 90.87

Florida 285.77 278.95 262.94 84.51 86.09 83.54

Georgia 290.88 275.32 231.02 97.22 105.17 98.62

Hawaii 65.84 70.87 78.19 49.81 53.80 58.63

Idaho 129.61 122.54 111.85 79.65 77.46 71.48

Illinois 178.66 170.24 156.76 82.61 82.44 78.24

Indiana 128.69 128.04 117.70 76.40 79.94 75.17

Iowa 93.23 87.19 82.54 77.70 74.42 71.42

Kansas 102.88 106.97 101.27 77.93 82.96 81.46

Kentucky 185.59 179.60 167.58 82.99 82.14 77.18

Louisiana 422.89 399.00 345.63 95.46 99.54 89.79

Maine 103.51 103.62 109.68 64.91 66.55 71.00

Maryland 231.92 221.81 205.37 91.63 91.18 84.59

Massachusetts 170.16 166.32 162.87 56.33 55.49 54.96

Michigan 99.85 98.12 82.48 79.58 81.66 71.16

Minnesota 86.22 85.80 81.17 70.90 71.67 68.44

Mississippi 164.01 157.34 142.47 83.50 82.19 77.37

Missouri 161.10 159.90 138.53 80.37 84.94 75.45

Montana 116.96 128.31 117.60 66.62 73.65 67.89

Nebraska 113.27 120.47 115.30 71.24 79.04 77.71

Nevada 338.86 347.14 326.87 85.27 92.98 90.00

New Hampshire 125.86 114.27 124.74 72.67 67.17 74.22

New Jersey 231.27 238.99 230.60 80.84 86.55 82.80

New Mexico 154.68 146.39 153.34 74.97 71.38 77.23

New York 249.22 240.71 225.63 86.45 86.48 81.55

North Carolina 135.01 127.24 121.61 79.82 76.07 72.52

North Dakota 54.37 53.00 48.61 59.35 57.11 54.17

Ohio 133.93 132.68 121.86 75.85 76.25 71.69

Oklahoma 142.91 141.52 127.67 71.85 72.29 66.15

Oregon 187.48 194.64 187.30 72.47 78.06 76.26

Pennsylvania 122.99 125.56 116.41 76.56 79.51 72.66

Rhode Island 298.84 290.91 290.00 80.98 81.84 83.73

South Carolina 228.49 228.27 203.56 88.58 94.18 87.77

South Dakota 95.38 99.55 86.28 68.36 72.92 66.10

Tennessee 126.46 121.94 115.63 72.25 70.19 67.08

Texas n/a n/a n/a 77.27 79.16 73.64

Utah 165.88 169.20 156.42 77.63 82.53 79.17

Vermont 97.94 107.67 96.50 64.49 72.58 66.08

Virginia 160.86 150.91 141.17 83.45 79.82 75.79

Washington 206.51 212.70 205.10 77.74 82.57 81.51

West Virginia 147.75 140.25 135.48 66.22 62.29 57.13

Wisconsin 135.84 136.51 136.34 74.51 77.31 79.43

Wyoming 87.34 94.45 84.94 64.97 70.14 63.13

Countrywide 198.24 193.47 179.16 79.66 81.41 77.29

CW w/o TX and MA 181.56 177.69 164.87 80.66 82.50 78.40

Table 6C


Pure Premium Loss Ratio

Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0.91 0.91 0.85 16,563.90 15,999.62 15,039.00

Alaska 0.74 0.74 0.72 22,087.78 19,942.01 20,162.92

Arizona 1.37 1.39 1.37 15,299.90 14,778.96 13,787.52

Arkansas 1.17 1.10 1.08 11,383.66 11,276.90 10,423.87

California 0.94 0.97 0.96 17,515.60 16,810.13 16,058.48

Colorado 0.81 0.86 0.86 23,661.31 21,501.13 21,101.90

Connecticut 1.38 1.45 1.39 21,006.21 20,285.40 20,356.10

Delaware 1.50 1.55 1.48 16,410.63 16,358.92 16,109.83

District of Columbia 2.42 2.41 2.12 11,141.69 10,943.03 11,115.15

Florida 1.43 1.43 1.34 20,045.73 19,543.33 19,658.23

Georgia 1.82 1.84 1.61 15,962.60 14,994.14 14,339.77

Hawaii 0.20 0.22 0.23 33,759.17 31,806.16 33,734.54

Idaho 0.83 0.86 0.85 15,705.12 14,277.34 13,158.15

Illinois 0.88 0.91 0.86 20,366.75 18,769.14 18,139.31

Indiana 0.72 0.76 0.72 17,834.95 16,958.18 16,458.79

Iowa 0.56 0.56 0.53 16,670.41 15,554.10 15,624.22

Kansas 0.43 0.43 0.40 23,734.86 24,839.07 25,414.57

Kentucky 1.06 1.05 1.02 17,577.89 17,113.10 16,418.33

Louisiana 2.57 2.49 2.26 16,477.89 16,046.12 15,307.05

Maine 0.60 0.64 0.64 17,229.68 16,282.31 17,162.56

Maryland 1.94 1.95 1.79 11,948.20 11,374.30 11,455.78

Massachusetts 1.31 1.34 1.28 12,968.27 12,410.65 12,703.96

Michigan 0.17 0.18 0.16 58,348.80 55,552.28 51,466.50

Minnesota 0.32 0.32 0.33 26,992.20 26,761.89 24,290.42

Mississippi 1.02 1.05 1.04 16,091.69 15,048.65 13,735.48

Missouri 0.92 0.96 0.92 17,483.16 16,649.73 15,138.89

Montana 0.56 0.62 0.62 20,787.32 20,795.33 19,091.38

Nebraska 0.67 0.67 0.65 16,856.22 17,857.02 17,689.55

Nevada 1.69 1.70 1.67 20,102.79 20,438.66 19,612.44

New Hampshire 0.60 0.61 0.64 21,056.18 18,606.97 19,471.19

New Jersey 0.66 0.69 0.68 35,102.26 34,799.84 33,765.38

New Mexico 1.00 1.03 1.06 15,512.04 14,167.20 14,506.84

New York 0.72 0.72 0.68 34,397.59 33,327.86 33,365.70

North Carolina 1.32 1.32 1.26 10,218.64 9,619.06 9,621.63

North Dakota 0.17 0.19 0.19 31,107.53 27,814.38 25,207.56

Ohio 1.07 1.11 1.08 12,532.87 11,959.78 11,271.29

Oklahoma 0.96 1.03 1.00 14,844.97 13,713.99 12,765.81

Oregon 1.28 1.31 1.29 14,600.25 14,878.62 14,497.47

Pennsylvania 0.58 0.59 0.56 21,368.94 21,163.61 20,667.23

Rhode Island 1.95 2.00 1.95 15,326.15 14,512.60 14,882.86

South Carolina 1.86 1.93 1.76 12,269.27 11,852.89 11,544.37

South Dakota 0.42 0.43 0.43 22,762.22 23,407.32 20,251.09

Tennessee 0.84 0.83 0.78 14,977.04 14,664.91 14,821.17

Texas n/a n/a n/a n/a n/a n/a

Utah 1.00 1.02 0.95 16,669.00 16,562.73 16,509.71

Vermont 0.52 0.55 0.54 19,001.88 19,589.34 17,758.26

Virginia 1.09 1.09 1.02 14,818.69 13,829.29 13,821.92

Washington 1.26 1.31 1.30 16,333.07 16,252.54 15,792.88

West Virginia 0.89 0.93 0.94 16,547.43 15,000.47 14,468.29

Wisconsin 0.63 0.64 0.65 21,619.16 21,274.20 21,034.12

Wyoming 0.43 0.42 0.47 20,529.93 22,257.93 17,892.72

Countrywide 1.03 1.05 1.00 19,200.68 18,447.36 17,904.24

CW w/o TX and MA 1.03 1.04 0.99 17,700.65 17,057.15 16,588.95

Table 6D


Frequency Severity

Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 688 964 2,303 2 1 2

Alaska 2,290 5,056 6,678 4 6 7

Arizona 0 0 0 0 0 0

Arkansas 265 3,448 1,865 1 4 2

California 2,835,525 2,459,178 2,217,461 16,222 14,978 13,091

Colorado 1,739 554 -85 1 0 0

Connecticut 114,990 79,965 121,234 120 82 137

Delaware 3,058 2,495 221 3 2 0

District of Columbia 107,303 75,576 99,569 95 73 115

Florida 106,232 85,856 230,273 71 78 273

Georgia 0 0 0 0 0 0

Hawaii 997,715 1,223,268 1,315,376 1,039 1,286 1,393

Idaho 206 757 992 1 1 2

Illinois 104,194 112,193 134,394 249 292 361

Indiana 3,453 3,861 2,716 3 4 5

Iowa 3,445 3,950 4,891 6 8 9

Kansas 387,058 397,381 412,726 1,513 1,653 1,784

Kentucky 270,406 201,685 179,013 351 288 302

Louisiana 9,712 6,054 3,446 2 3 2

Maine 2,930 1,882 3,673 2 4 8

Maryland 23,030,746 22,198,930 21,113,706 43,140 43,904 40,869

Massachusetts 32,179,437 32,616,260 40,196,596 53,791 54,246 69,457

Michigan 1,067,641 1,326,254 1,617,663 3,851 3,915 5,457

Minnesota 2,251 642 505 3 1 4

Mississippi 5,688 7,880 7,038 4 8 10

Missouri 8,439 1,267 688 8 2 1

Montana 1,896 2,416 4,507 5 6 11

Nebraska 4,005 829 129 5 1 0

Nevada 4,356 745 29 4 1 0

New Hampshire 16,542 24,806 30,789 23 35 42

New Jersey 2,624,022 3,819,796 6,081,815 2,060 3,246 5,487

New Mexico 3,511 1,076 413 2 1 1

New York 18,794,245 18,488,122 21,290,296 38,719 39,938 44,974

North Carolina 0 0 0 0 0 0

North Dakota 452 1,472 1,139 0 3 5

Ohio 0 0 0 0 0 0

Oklahoma 8,171 4,624 5,922 10 8 10

Oregon 4,061 3,567 464 2 3 1

Pennsylvania 1,376,628 1,582,453 1,718,989 5,765 6,502 6,942

Rhode Island 13,128,430 10,425,388 8,944,566 16,775 14,318 12,406

South Carolina 5,130 13 2,370 4 0 1

South Dakota 0 4,877 697 0 1 0

Tennessee 2,627 3,682 3,319 4 7 6

Texas 744,409 753,852 924,437 n/a n/a n/a

Utah 669 2,379 3,214 2 4 4

Vermont 13,594 21,673 19,891 25 39 38

Virginia 204,906 218,474 257,941 378 383 448

Washington 7,488 2,954 717 6 1 0

West Virginia 10,831 5,999 5,993 20 10 6

Wisconsin 5,064 8,479 2,666 1 2 0

Wyoming 0 0 0 0 0 0

Countrywide 98,206,448 96,193,032 106,973,245 184,292 185,348 203,673

CW w/o TX and MA 65,282,602 62,822,920 65,852,212 130,501 131,102 134,216

Table 7A



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0 0 0 0 0 0

Alaska 0 0 0 0 0 0

Arizona 0 0 0 0 0 0

Arkansas 0 0 0 0 0 0

California 2,986,422 1,943,818 1,861,040 283 244 239

Colorado 0 0 0 0 0 0

Connecticut 40,945 21,680 150,572 4 2 7

Delaware 0 0 0 0 0 0


Florida 91,675 149,791 383,164 8 7 25

Georgia 0 0 0 0 0 0

Hawaii 372,078 405,355 399,741 49 60 93

Idaho 0 0 0 0 0 0

Illinois 92,368 98,043 94,022 11 8 7

Indiana 0 0 0 0 0 0

Iowa 0 0 1,350 0 0 1

Kansas 269,297 231,572 394,233 13 7 16

Kentucky 492,225 344,752 745,757 26 17 47

Louisiana 0 0 0 0 0 0

Maine 2,558 29,450 89,097 1 1 4

Maryland 28,371,937 27,438,423 22,617,513 3,213 3,275 2,738

Massachusetts 29,144,972 25,676,076 31,859,965 2,667 2,546 3,048

Michigan 499,264 470,204 382,622 21 22 14

Minnesota 16,055 0 0 1 0 0

Mississippi 0 0 0 0 0 0

Missouri 36,642 0 0 2 0 0

Montana 0 0 0 0 0 0

Nebraska 3,709 0 0 1 0 0

Nevada 0 0 0 0 0 0

New Hampshire 1,169 2,566 17,243 1 1 1

New Jersey 1,552,419 2,317,388 3,030,185 66 98 160

New Mexico 0 0 0 0 0 0

New York 31,380,275 22,159,316 25,178,412 1,415 1,125 1,203


North Dakota 5,608 0 0 1 0 0

Ohio 0 0 0 0 0 0

Oklahoma 3,285 3,489 65,065 1 1 1

Oregon 0 0 0 0 0 0

Pennsylvania 1,160,678 1,327,073 1,448,200 95 95 107

Rhode Island 17,535,242 13,003,192 9,880,634 1,448 1,162 873

South Carolina 6,989 0 0 1 0 0

South Dakota 0 35,810 0 0 1 0

Tennessee 0 7,803 0 0 1 0

Texas 525,681 778,694 829,770 n/a n/a n/a

Utah 0 0 0 0 0 0

Vermont 0 631 58,854 0 1 2

Virginia 206,559 87,668 51,787 16 12 4

Washington 0 0 0 0 0 0

West Virginia 0 0 0 0 0 0

Wisconsin 0 0 0 0 0 0

Wyoming 0 0 0 0 0 0

Countrywide 114,901,372 96,597,152 99,691,797 9,354 8,693 8,603

CW w/o TX and MA 85,230,719 70,142,382 67,002,062 6,687 6,147 5,555

Table 7B



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0.00 0.00 0.00 0.00 0.00 0.00

Alaska 0.00 0.00 0.00 0.00 0.00 0.00

Arizona - - - - - -

Arkansas 0.00 0.00 0.00 0.00 0.00 0.00

California 184.10 129.78 142.16 105.32 79.04 83.93

Colorado 0.00 - - 0.00 0.00 0.00

Connecticut 341.21 264.39 1,099.07 35.61 27.11 124.20

Delaware 0.00 0.00 - 0.00 0.00 0.00

District of Columbia 1,087.58 881.62 1,326.70 96.29 85.16 153.23

Florida 1,291.20 1,920.40 1,403.53 86.30 174.47 166.40

Georgia - - - - - -

Hawaii 358.11 315.21 286.96 37.29 33.14 30.39

Idaho 0.00 0.00 0.00 0.00 0.00 0.00

Illinois 370.96 335.76 260.45 88.65 87.39 69.96

Indiana 0.00 0.00 0.00 0.00 0.00 0.00

Iowa 0.00 0.00 150.00 0.00 0.00 27.60

Kansas 177.99 140.09 220.98 69.58 58.27 95.52

Kentucky 1,402.35 1,197.06 2,469.39 182.03 170.94 416.59

Louisiana 0.00 0.00 0.00 0.00 0.00 0.00

Maine 1,279.00 7,362.50 11,137.13 87.30 1,564.82 2,425.73

Maryland 657.67 624.96 553.41 123.19 123.60 107.12

Massachusetts 541.82 473.33 458.70 90.57 78.72 79.26

Michigan 129.65 120.10 70.12 46.76 35.45 23.65

Minnesota 5,351.67 0.00 0.00 713.24 0.00 0.00

Mississippi 0.00 0.00 0.00 0.00 0.00 0.00

Missouri 4,580.25 0.00 0.00 434.20 0.00 0.00

Montana 0.00 0.00 0.00 0.00 0.00 0.00

Nebraska 741.80 0.00 - 92.61 0.00 0.00

Nevada 0.00 0.00 - 0.00 0.00 0.00

New Hampshire 50.83 73.31 410.55 7.07 10.34 56.00

New Jersey 753.60 713.92 552.25 59.16 60.67 49.82

New Mexico 0.00 0.00 0.00 0.00 0.00 0.00

New York 810.46 554.84 559.84 166.97 119.86 118.26

North Carolina - - - - - -

North Dakota - 0.00 0.00 1,240.71 0.00 0.00

Ohio - - - - - -

Oklahoma 328.50 436.13 6,506.50 40.20 75.45 1,098.70

Oregon 0.00 0.00 0.00 0.00 0.00 0.00

Pennsylvania 201.33 204.10 208.61 84.31 83.86 84.25

Rhode Island 1,045.32 908.17 796.44 133.57 124.73 110.47

South Carolina 1,747.25 - 0.00 136.24 0.00 0.00

South Dakota - 35,810.00 - - 734.26 0.00

Tennessee 0.00 1,114.71 0.00 0.00 211.92 0.00

Texas n/a n/a n/a 70.62 103.30 89.76

Utah 0.00 0.00 0.00 0.00 0.00 0.00

Vermont 0.00 16.18 1,548.79 0.00 2.91 295.88

Virginia 546.45 228.90 115.60 100.81 40.13 20.08

Washington 0.00 0.00 - 0.00 0.00 0.00

West Virginia 0.00 0.00 0.00 0.00 0.00 0.00

Wisconsin 0.00 0.00 - 0.00 0.00 0.00

Wyoming - - - - - -

Countrywide 623.47 521.17 489.47 117.00 100.42 93.19

CW w/o TX and MA 653.10 535.02 499.21 130.56 111.65 101.75

Table 7C



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0.00 0.00 0.00 - - -

Alaska 0.00 0.00 0.00 - - -

Arizona - - - - - -

Arkansas 0.00 0.00 0.00 - - -

California 1.74 1.63 1.83 10,552.73 7,966.47 7,786.78

Colorado 0.00 - - - - -

Connecticut 3.33 2.44 5.11 10,236.25 10,840.00 21,510.29

Delaware 0.00 0.00 - - - -


Florida 11.27 8.97 9.16 11,459.38 21,398.71 15,326.56

Georgia - - - - - -

Hawaii 4.72 4.67 6.68 7,593.43 6,755.92 4,298.29

Idaho 0.00 0.00 0.00 - - -

Illinois 4.42 2.74 1.94 8,397.09 12,255.38 13,431.71

Indiana 0.00 0.00 0.00 - - -

Iowa 0.00 0.00 11.11 - - 1,350.00

Kansas 0.86 0.42 0.90 20,715.15 33,081.71 24,639.56

Kentucky 7.41 5.90 15.56 18,931.73 20,279.53 15,867.17

Louisiana 0.00 0.00 0.00 - - -

Maine 50.00 25.00 50.00 2,558.00 29,450.00 22,274.25

Maryland 7.45 7.46 6.70 8,830.36 8,378.14 8,260.60

Massachusetts 4.96 4.69 4.39 10,928.00 10,084.87 10,452.74

Michigan 0.55 0.56 0.26 23,774.48 21,372.91 27,330.14

Minnesota 33.33 0.00 0.00 16,055.00 - -

Mississippi 0.00 0.00 0.00 - - -

Missouri 25.00 0.00 0.00 18,321.00 - -

Montana 0.00 0.00 0.00 - - -

Nebraska 20.00 0.00 - 3,709.00 - -

Nevada 0.00 0.00 - - - -

New Hampshire 4.35 2.86 2.38 1,169.00 2,566.00 17,243.00

New Jersey 3.20 3.02 2.92 23,521.50 23,646.82 18,938.66

New Mexico 0.00 0.00 0.00 - - -

New York 3.65 2.82 2.67 22,176.87 19,697.17 20,929.69


North Dakota - 0.00 0.00 5,608.00 - -

Ohio - - - - - -

Oklahoma 10.00 12.50 10.00 3,285.00 3,489.00 65,065.00

Oregon 0.00 0.00 0.00 - - -

Pennsylvania 1.65 1.46 1.54 12,217.66 13,969.19 13,534.58

Rhode Island 8.63 8.12 7.04 12,109.97 11,190.35 11,318.02

South Carolina 25.00 - 0.00 6,989.00 - -

South Dakota - 100.00 - - 35,810.00 -

Tennessee 0.00 14.29 0.00 - 7,803.00 -


Utah 0.00 0.00 0.00 - - -

Vermont 0.00 2.56 5.26 - 631.00 29,427.00

Virginia 4.23 3.13 0.89 12,909.94 7,305.67 12,946.75

Washington 0.00 0.00 - - - -

West Virginia 0.00 0.00 0.00 - - -

Wisconsin 0.00 0.00 - - - -

Wyoming - - - - - -

Countrywide 5.08 4.69 4.22 12,283.66 11,112.06 11,588.03

CW w/o TX and MA 5.12 4.69 4.14 12,745.73 11,410.83 12,061.58

Table 7D


Frequency Severity

Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 592,838,924 537,205,555 513,611,184 3,544,362 3,479,606 3,416,470

Alaska 107,492,455 109,272,832 107,674,130 472,771 466,933 457,719

Arizona 1,061,328,483 982,521,623 939,546,287 4,214,685 4,063,641 3,936,236

Arkansas 294,198,412 284,791,064 281,514,280 1,853,002 1,821,927 1,781,140

California 6,025,546,836 5,560,329,362 5,337,168,829 26,384,588 25,540,902 25,063,151

Colorado 856,216,846 777,668,163 715,792,741 3,780,839 3,688,032 3,586,162

Connecticut 769,321,024 718,608,293 687,121,133 2,012,468 1,948,993 1,898,596

Delaware 189,029,883 183,133,459 179,592,339 601,599 583,154 567,450


Florida 4,006,353,242 3,719,353,676 3,475,964,650 11,848,147 11,479,042 11,043,179

Georgia 1,909,981,341 1,638,286,241 1,448,210,083 6,383,777 6,258,375 6,182,471

Hawaii 110,665,834 108,233,025 106,496,290 830,658 813,557 790,089

Idaho 170,021,035 160,161,010 154,711,733 1,044,898 1,012,365 988,766

Illinois 1,444,447,821 1,363,716,724 1,317,085,462 6,678,440 6,603,700 6,573,791

Indiana 743,512,097 697,086,099 673,497,596 4,413,774 4,352,162 4,301,275

Iowa 278,319,062 268,705,996 261,483,236 2,319,604 2,293,510 2,262,698

Kansas 268,307,505 257,490,940 245,642,115 2,031,052 1,995,528 1,974,227

Kentucky 658,394,030 637,083,865 622,121,492 2,943,162 2,913,180 2,864,756

Louisiana 1,217,868,665 1,077,410,961 1,012,224,859 2,749,157 2,687,895 2,629,764

Maine 121,491,636 116,341,540 112,916,900 761,879 747,215 730,899

Maryland 1,017,086,307 958,513,073 940,872,028 3,970,591 3,892,801 3,829,117

Massachusetts 1,325,683,429 1,289,089,284 1,262,658,403 4,336,186 4,246,127 4,194,971

Michigan 676,419,940 637,968,688 611,950,542 5,386,206 5,302,134 5,271,417

Minnesota 457,924,001 438,507,770 427,383,392 3,765,710 3,663,072 3,603,752

Mississippi 350,053,077 339,631,268 324,573,505 1,782,267 1,774,217 1,762,547

Missouri 747,799,757 693,908,412 666,501,453 3,730,467 3,686,093 3,630,364

Montana 127,279,809 123,643,916 120,186,359 724,969 709,697 693,847

Nebraska 232,602,690 217,911,153 209,229,707 1,463,043 1,429,663 1,410,061

Nevada 687,794,190 625,394,367 592,627,685 1,730,689 1,675,155 1,631,707

New Hampshire 145,432,638 140,600,661 135,852,571 839,689 826,422 808,139

New Jersey 1,186,413,489 1,118,816,094 1,103,750,342 4,139,810 4,041,216 3,946,685

New Mexico 282,462,951 275,483,905 263,968,267 1,368,972 1,343,200 1,329,486

New York 2,402,606,951 2,283,404,578 2,235,504,150 8,308,156 8,176,592 8,047,452

North Carolina 1,151,924,055 1,122,303,407 1,120,829,415 6,810,590 6,709,369 6,684,356

North Dakota 47,381,326 47,832,083 45,324,988 517,210 515,367 505,086

Ohio 1,324,786,529 1,290,840,553 1,248,086,119 7,503,107 7,418,190 7,342,559

Oklahoma 487,606,523 474,128,602 459,399,743 2,451,582 2,421,881 2,380,302

Oregon 676,975,692 641,422,886 618,323,713 2,616,942 2,572,447 2,517,709

Pennsylvania 1,280,977,698 1,239,242,853 1,242,745,583 7,970,733 7,843,731 7,753,142

Rhode Island 224,092,084 207,167,500 195,484,764 588,452 567,810 551,018

South Carolina 904,320,648 832,487,205 774,671,944 3,505,880 3,434,617 3,340,177

South Dakota 91,337,336 87,964,207 82,134,018 654,603 644,262 629,300

Tennessee 758,061,500 729,831,497 702,269,920 4,331,278 4,201,262 4,073,868

Texas 3,975,653,572 3,597,126,631 3,393,392,238 n/a n/a n/a

Utah 373,177,374 346,643,297 326,384,389 1,746,525 1,690,752 1,651,904

Vermont 56,258,726 54,916,297 53,740,064 370,396 370,095 367,913

Virginia 1,148,451,262 1,123,405,109 1,092,862,512 5,957,561 5,941,206 5,866,145

Washington 1,141,222,117 1,069,061,980 1,014,428,176 4,295,917 4,150,022 4,031,477

West Virginia 279,126,005 280,699,459 294,466,009 1,250,885 1,246,591 1,241,823

Wisconsin 671,400,876 642,980,859 617,206,164 3,682,337 3,641,121 3,595,883

Wyoming 56,813,271 57,148,983 56,802,495 422,613 424,414 422,168

Countrywide 45,178,556,400 42,245,638,317 40,484,943,747 181,331,746 177,543,618 174,390,483

CW w/o TX and MA 39,877,219,399 37,359,422,402 35,828,893,106 176,995,560 173,297,491 170,195,512

Table 8A



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 532,479,575 503,843,985 436,431,789 32,147 31,491 29,020

Alaska 77,240,954 68,600,527 66,577,970 3,497 3,440 3,302

Arizona 885,466,307 832,676,033 741,755,037 57,874 56,342 53,799

Arkansas 246,934,260 225,098,236 200,992,997 21,692 19,961 19,282

California 4,358,416,618 4,152,011,431 3,855,445,697 248,943 247,123 240,211

Colorado 722,782,007 685,197,891 647,258,724 30,547 31,868 30,673

Connecticut 584,538,672 572,029,415 536,696,727 27,829 28,200 26,365

Delaware 148,237,261 148,113,699 135,483,690 9,033 9,054 8,410


Florida 3,385,876,210 3,202,206,928 2,904,001,676 168,911 163,851 147,730

Georgia 1,856,897,196 1,723,051,902 1,428,269,892 116,328 114,915 99,602

Hawaii 54,994,413 57,974,496 62,066,471 1,667 1,870 1,921

Idaho 135,425,286 124,055,816 110,594,228 8,623 8,689 8,405

Illinois 1,193,217,441 1,124,294,252 1,030,515,906 58,593 59,904 56,813

Indiana 568,007,384 557,262,872 506,255,905 31,848 32,861 30,759

Iowa 216,248,526 199,979,117 186,757,658 12,972 12,857 11,954

Kansas 209,064,900 213,524,673 200,152,751 8,810 8,594 7,876

Kentucky 546,637,159 523,509,253 480,784,812 31,096 30,588 29,285

Louisiana 1,162,597,712 1,072,458,470 908,917,475 70,555 66,836 59,379

Maine 78,862,790 77,451,857 80,255,407 4,578 4,756 4,675

Maryland 939,242,865 881,148,047 800,602,172 79,448 78,331 70,650

Massachusetts 757,832,332 722,869,077 703,784,952 58,857 58,723 55,939

Michigan 537,950,033 520,328,462 434,708,446 9,232 9,380 8,453

Minnesota 324,678,216 314,291,627 292,505,188 12,029 11,744 12,042

Mississippi 292,305,612 279,152,479 251,112,004 18,165 18,550 18,282

Missouri 601,002,666 589,417,188 502,898,734 34,376 35,401 33,219

Montana 84,791,488 91,062,761 81,596,558 4,079 4,379 4,274

Nebraska 165,717,214 172,230,962 162,584,688 9,832 9,645 9,191

Nevada 586,458,833 581,520,776 533,360,338 29,173 28,452 27,195

New Hampshire 105,682,152 94,432,964 100,819,579 5,020 5,076 5,178

New Jersey 958,475,198 967,351,805 911,859,177 27,327 27,829 27,076

New Mexico 211,754,819 196,626,597 203,864,645 13,651 13,879 14,053

New York 2,092,277,277 1,980,771,210 1,830,796,760 61,329 59,893 55,319

North Carolina 919,493,546 853,691,354 812,854,339 89,982 88,750 84,482

North Dakota 28,126,812 27,313,719 24,552,167 905 982 974

Ohio 1,004,885,653 984,265,757 894,771,055 80,180 82,298 79,385

Oklahoma 350,359,334 342,757,131 303,955,084 23,602 24,994 23,806

Oregon 490,612,200 500,695,342 471,559,134 33,603 33,652 32,527

Pennsylvania 980,798,465 985,392,398 903,159,622 45,939 46,593 43,737

Rhode Island 188,375,781 174,020,470 166,076,272 12,595 12,257 11,368

South Carolina 801,079,951 784,009,154 679,917,139 65,292 66,145 58,896

South Dakota 62,436,773 64,171,871 54,293,169 2,743 2,741 2,681

Tennessee 547,725,152 512,297,039 471,076,014 36,571 34,934 31,784

Texas 3,071,949,350 2,847,684,572 2,498,931,083 n/a n/a n/a

Utah 289,707,201 286,071,518 258,393,526 17,380 17,272 15,651

Vermont 36,274,594 39,845,345 35,557,611 1,909 2,035 2,001

Virginia 958,472,143 896,599,301 828,109,372 64,682 64,839 59,913

Washington 887,130,445 882,724,161 826,852,187 54,315 54,313 52,356

West Virginia 184,818,263 174,830,466 168,237,254 11,169 11,655 11,628

Wisconsin 500,224,033 497,050,522 490,263,264 23,138 23,364 23,308

Wyoming 36,912,815 40,086,525 35,857,016 1,798 1,801 2,004

Countrywide 36,026,045,026 34,409,878,285 31,307,762,039 1,879,660 1,868,758 1,751,658

CW w/o TX and MA 32,196,263,344 30,839,324,636 28,105,046,004 1,820,803 1,810,035 1,695,719

Table 8B



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 150.23 144.80 127.74 89.82 93.79 84.97

Alaska 163.38 146.92 145.46 71.86 62.78 61.83

Arizona 210.09 204.91 188.44 83.43 84.75 78.95

Arkansas 133.26 123.55 112.85 83.93 79.04 71.40

California 165.19 162.56 153.83 72.33 74.67 72.24

Colorado 191.17 185.79 180.49 84.42 88.11 90.43

Connecticut 290.46 293.50 282.68 75.98 79.60 78.11

Delaware 246.41 253.99 238.76 78.42 80.88 75.44


Florida 285.77 278.96 262.97 84.51 86.10 83.55

Georgia 290.88 275.32 231.02 97.22 105.17 98.62

Hawaii 66.21 71.26 78.56 49.69 53.56 58.28

Idaho 129.61 122.54 111.85 79.65 77.46 71.48

Illinois 178.67 170.25 156.76 82.61 82.44 78.24

Indiana 128.69 128.04 117.70 76.40 79.94 75.17

Iowa 93.23 87.19 82.54 77.70 74.42 71.42

Kansas 102.93 107.00 101.38 77.92 82.93 81.48

Kentucky 185.73 179.70 167.83 83.03 82.17 77.28

Louisiana 422.89 399.00 345.63 95.46 99.54 89.79

Maine 103.51 103.65 109.80 64.91 66.57 71.07

Maryland 236.55 226.35 209.08 92.35 91.93 85.09

Massachusetts 174.77 170.24 167.77 57.17 56.08 55.74

Michigan 99.88 98.14 82.47 79.53 81.56 71.04

Minnesota 86.22 85.80 81.17 70.90 71.67 68.44

Mississippi 164.01 157.34 142.47 83.50 82.19 77.37

Missouri 161.11 159.90 138.53 80.37 84.94 75.45

Montana 116.96 128.31 117.60 66.62 73.65 67.89

Nebraska 113.27 120.47 115.30 71.24 79.04 77.71

Nevada 338.86 347.14 326.87 85.27 92.98 90.00

New Hampshire 125.86 114.27 124.76 72.67 67.16 74.21

New Jersey 231.53 239.37 231.04 80.79 86.46 82.61

New Mexico 154.68 146.39 153.34 74.97 71.37 77.23

New York 251.83 242.25 227.50 87.08 86.75 81.90

North Carolina 135.01 127.24 121.61 79.82 76.07 72.52

North Dakota 54.38 53.00 48.61 59.36 57.10 54.17

Ohio 133.93 132.68 121.86 75.85 76.25 71.69

Oklahoma 142.91 141.53 127.70 71.85 72.29 66.16

Oregon 187.48 194.64 187.30 72.47 78.06 76.26

Pennsylvania 123.05 125.63 116.49 76.57 79.52 72.67

Rhode Island 320.12 306.48 301.40 84.06 84.00 84.96

South Carolina 228.50 228.27 203.56 88.58 94.18 87.77

South Dakota 95.38 99.61 86.28 68.36 72.95 66.10

Tennessee 126.46 121.94 115.63 72.25 70.19 67.08

Texas n/a n/a n/a 77.27 79.17 73.64

Utah 165.88 169.20 156.42 77.63 82.53 79.17

Vermont 97.93 107.66 96.65 64.48 72.56 66.17

Virginia 160.88 150.91 141.17 83.46 79.81 75.77

Washington 206.51 212.70 205.10 77.74 82.57 81.51

West Virginia 147.75 140.25 135.48 66.21 62.28 57.13

Wisconsin 135.84 136.51 136.34 74.50 77.30 79.43

Wyoming 87.34 94.45 84.94 64.97 70.14 63.13

Countrywide 198.67 193.81 179.53 79.74 81.45 77.33

CW w/o TX and MA 181.90 177.96 165.13 80.74 82.55 78.44

Table 8C


Pure Premiums Loss Ratio

Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0.91 0.91 0.85 16,563.90 15,999.62 15,039.00

Alaska 0.74 0.74 0.72 22,087.78 19,942.01 20,162.92

Arizona 1.37 1.39 1.37 15,299.90 14,778.96 13,787.52

Arkansas 1.17 1.10 1.08 11,383.66 11,276.90 10,423.87

California 0.94 0.97 0.96 17,507.69 16,801.40 16,050.25

Colorado 0.81 0.86 0.86 23,661.31 21,501.13 21,101.90

Connecticut 1.38 1.45 1.39 21,004.66 20,284.73 20,356.41

Delaware 1.50 1.55 1.48 16,410.63 16,358.92 16,109.83


Florida 1.43 1.43 1.34 20,045.33 19,543.41 19,657.49

Georgia 1.82 1.84 1.61 15,962.60 14,994.14 14,339.77

Hawaii 0.20 0.23 0.24 32,990.05 31,002.40 32,309.46

Idaho 0.83 0.86 0.85 15,705.12 14,277.34 13,158.15

Illinois 0.88 0.91 0.86 20,364.50 18,768.27 18,138.73

Indiana 0.72 0.76 0.72 17,834.95 16,958.18 16,458.79

Iowa 0.56 0.56 0.53 16,670.41 15,554.10 15,623.03

Kansas 0.43 0.43 0.40 23,730.41 24,845.78 25,413.00

Kentucky 1.06 1.05 1.02 17,579.02 17,114.86 16,417.44

Louisiana 2.57 2.49 2.26 16,477.89 16,046.12 15,307.05

Maine 0.60 0.64 0.64 17,226.47 16,285.08 17,166.93

Maryland 2.00 2.01 1.85 11,822.11 11,249.03 11,331.95

Massachusetts 1.36 1.38 1.33 12,875.82 12,309.81 12,581.29

Michigan 0.17 0.18 0.16 58,270.15 55,472.12 51,426.53

Minnesota 0.32 0.32 0.33 26,991.29 26,761.89 24,290.42

Mississippi 1.02 1.05 1.04 16,091.69 15,048.65 13,735.48

Missouri 0.92 0.96 0.92 17,483.21 16,649.73 15,138.89

Montana 0.56 0.62 0.62 20,787.32 20,795.33 19,091.38

Nebraska 0.67 0.67 0.65 16,854.88 17,857.02 17,689.55

Nevada 1.69 1.70 1.67 20,102.79 20,438.66 19,612.44

New Hampshire 0.60 0.61 0.64 21,052.22 18,603.81 19,470.76

New Jersey 0.66 0.69 0.69 35,074.29 34,760.57 33,677.77

New Mexico 1.00 1.03 1.06 15,512.04 14,167.20 14,506.84

New York 0.74 0.73 0.69 34,115.63 33,071.83 33,095.26

North Carolina 1.32 1.32 1.26 10,218.64 9,619.06 9,621.63

North Dakota 0.17 0.19 0.19 31,079.35 27,814.38 25,207.56

Ohio 1.07 1.11 1.08 12,532.87 11,959.78 11,271.29

Oklahoma 0.96 1.03 1.00 14,844.48 13,713.58 12,768.00

Oregon 1.28 1.31 1.29 14,600.25 14,878.62 14,497.47

Pennsylvania 0.58 0.59 0.56 21,350.02 21,148.94 20,649.78

Rhode Island 2.14 2.16 2.06 14,956.39 14,197.64 14,609.10

South Carolina 1.86 1.93 1.76 12,269.19 11,852.89 11,544.37

South Dakota 0.42 0.43 0.43 22,762.22 23,411.85 20,251.09

Tennessee 0.84 0.83 0.78 14,977.04 14,664.71 14,821.17


Utah 1.00 1.02 0.95 16,669.00 16,562.73 16,509.71

Vermont 0.52 0.55 0.54 19,001.88 19,580.02 17,769.92

Virginia 1.09 1.09 1.02 14,818.22 13,828.09 13,821.86

Washington 1.26 1.31 1.30 16,333.07 16,252.54 15,792.88

West Virginia 0.89 0.93 0.94 16,547.43 15,000.47 14,468.29

Wisconsin 0.63 0.64 0.65 21,619.16 21,274.20 21,034.12

Wyoming 0.43 0.42 0.47 20,529.93 22,257.93 17,892.72

Countrywide 1.04 1.05 1.00 19,166.26 18,413.23 17,873.22

CW w/o TX and MA 1.03 1.04 1.00 17,682.45 17,037.97 16,574.12

Table 8D


Frequency Severity

Total Business



Property Damage Liability





Property Damage Liability

All of the states require drivers operating a motor vehicle to be financially responsible for accidents up to a fixed dollar amount. Most of the states require this to be in the form of liability insurance purchased from an insurer. Insurance is the most popular means of meeting the requirements, even in those states allowing other options. Property damage is damage to, destruction of, or loss of use of tangible property. Property damage liability (PD) insurance pays for damages to another person’s property for which the insured is legally liable, through the ownership, maintenance, or use of a covered vehicle up to the specified limit of the auto policy. The insurer also agrees to defend the insured and pay all legal defense costs. Defense costs are in addition to the policy limits.

The minimum required limits of liability coverage vary by state, and are represented in the form of ## / ## / ##, where the first two numbers refer to the dollar limits (in thousands) of bodily injury liability, and the third number refers to the PD limit. For example, 10/20/5 means bodily injury liability coverage up to $20,000 for all persons injured in an accident, subject to a limit of $10,000 for any one individual; and $5,000 coverage for property damage liability. In most of the states a policy can be purchased that contains a single limit of coverage for bodily injury and property damage liability.

Property Damage Liability State-Specific Information and Technical Notes

Voluntary Market Business and Residual Market Business Property Damage Liability Data

Texas—Property damage liability data include data for combined single limits—property damage. Michigan—Property damage liability is a residual coverage that pays for property damage that Michigan drivers are legally responsible for in other states. Michigan policyholders are required to carry property protection insurance (PPI) to cover damages to property in Michigan. In this report, Michigan PPI data are included in other liability, which is not reported separately in this publication.

Property Damage Liability—Required Limits

California—The minimum basic limit for property damage liability is $5,000. Eligible residents from all California counties that meet certain criteria may purchase a low-cost auto policy with a property damage liability of $3,000.

Property Damage Liability—Calculations-Loss Experience Results

Texas—Earned exposure and incurred claims data are not available, as indicated by “n/a.” Because the results for pure premium, frequency and severity are calculated using earned exposures and incurred claims, there is no data in these columns for Texas.

Property Damage—Loss Development

Property damage liability incurred losses have been developed to 39 months.






STATE 2016 2015 2014 2016 2015 2014

Alabama 575,590,948 521,095,776 488,241,257 3,545,819 3,480,392 3,416,758

Alaska 81,449,142 80,574,455 78,401,756 472,766 466,928 457,709

Arizona 787,394,598 717,060,879 672,605,216 4,215,284 4,064,644 3,937,276

Arkansas 303,363,553 279,066,796 269,750,367 1,851,905 1,820,971 1,780,442

California 5,350,445,008 4,911,115,597 4,682,090,877 26,368,645 25,526,513 25,050,749

Colorado 714,578,939 634,309,970 580,861,512 3,780,877 3,687,968 3,586,126

Connecticut 422,100,485 396,018,254 379,193,359 2,012,855 1,949,261 1,898,623

Delaware 117,983,118 109,137,643 102,770,844 601,814 583,279 567,615


Florida 2,574,385,091 2,264,321,124 2,014,936,357 12,783,606 12,292,919 11,745,264

Georgia 1,342,788,317 1,229,708,455 1,134,683,109 6,385,155 6,259,434 6,183,315

Hawaii 121,648,741 117,826,709 114,416,434 829,987 812,523 788,990

Idaho 137,749,105 122,710,348 113,981,816 1,044,972 1,012,414 988,796

Illinois 1,131,301,217 1,045,293,095 999,068,140 6,676,307 6,601,539 6,571,496

Indiana 631,911,029 585,174,021 548,525,210 4,415,048 4,353,677 4,302,707

Iowa 299,904,185 278,909,217 262,619,051 2,307,958 2,283,228 2,253,797

Kansas 303,528,156 289,521,953 280,480,152 2,029,232 1,993,877 1,972,381

Kentucky 429,625,619 408,936,410 400,512,975 2,942,114 2,912,155 2,863,977

Louisiana 646,744,407 630,146,171 587,955,860 2,749,334 2,687,879 2,629,826

Maine 104,460,211 96,342,291 91,509,634 761,274 746,648 730,338

Maryland 842,950,690 763,430,651 726,393,500 3,926,483 3,848,053 3,787,433

Massachusetts 1,062,993,373 1,005,917,653 971,729,281 4,281,620 4,200,089 4,136,579

Michigan 123,158,976 118,002,430 113,326,854 5,382,350 5,298,214 5,265,958

Minnesota 530,678,439 494,138,678 459,914,424 3,764,791 3,662,657 3,603,445

Mississippi 258,915,122 245,288,513 235,779,480 1,782,337 1,774,378 1,762,862

Missouri 636,898,727 590,640,796 567,755,926 3,730,456 3,686,619 3,630,695

Montana 92,159,398 86,493,079 82,053,761 724,970 709,726 693,839

Nebraska 218,093,334 201,709,540 190,699,783 1,452,641 1,429,339 1,409,868

Nevada 318,396,261 297,123,548 285,313,620 1,730,820 1,675,245 1,631,787

New Hampshire 123,866,554 115,025,019 109,439,128 839,793 827,119 808,551

New Jersey 903,829,015 831,074,786 789,691,806 4,142,304 4,040,545 3,945,005

New Mexico 218,345,418 199,969,695 191,116,017 1,369,189 1,343,394 1,329,673

New York 1,956,192,377 1,829,591,430 1,747,565,254 8,268,542 8,136,511 8,002,258

North Carolina 882,187,385 834,901,821 835,489,119 6,810,590 6,709,367 6,684,354

North Dakota 63,266,264 61,457,934 58,506,571 517,164 515,409 505,124

Ohio 1,200,474,280 1,106,963,337 1,053,978,771 7,501,634 7,416,208 7,341,592

Oklahoma 461,284,927 433,712,390 413,879,583 2,451,556 2,421,849 2,380,221

Oregon 428,262,397 397,161,187 378,597,159 2,616,945 2,572,466 2,517,815

Pennsylvania 1,447,958,451 1,361,776,791 1,283,968,107 8,021,205 7,858,915 7,737,937

Rhode Island 148,312,963 136,135,856 126,899,195 572,152 553,908 538,975

South Carolina 638,061,862 579,761,024 534,361,322 3,506,495 3,435,615 3,341,328

South Dakota 73,261,834 68,509,087 64,989,115 652,751 642,602 627,809

Tennessee 673,680,316 623,891,236 594,514,503 4,330,502 4,200,269 4,072,721

Texas 4,320,131,124 3,884,045,490 3,639,871,403 n/a n/a n/a

Utah 324,432,021 297,046,147 275,047,698 1,746,395 1,690,971 1,652,139

Vermont 50,300,620 47,941,767 46,547,578 369,814 369,624 367,520

Virginia 981,990,321 932,144,487 908,896,661 5,960,756 5,944,262 5,865,558

Washington 719,812,600 647,673,182 606,767,525 4,297,866 4,151,527 4,032,498

West Virginia 187,370,522 184,343,047 172,875,514 1,251,428 1,247,167 1,241,851

Wisconsin 435,327,413 408,174,137 387,414,956 3,678,639 3,637,847 3,592,857

Wyoming 56,926,957 54,149,576 52,209,812 422,633 424,425 422,219

Countrywide 36,517,045,744 33,608,257,638 31,758,269,522 182,119,233 178,194,912 174,883,827

CW w/o Texas 32,196,914,620 29,724,212,148 28,118,398,119 182,119,233 178,194,912 174,883,827

Table 9A

Property Damage Liability 2014-2016


Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 480,029,446 453,283,666 400,826,862 113,297 111,327 107,136

Alaska 63,680,131 63,372,944 59,383,456 15,096 15,317 15,081

Arizona 658,539,271 607,792,335 529,908,403 172,120 163,478 155,331

Arkansas 266,736,974 252,646,613 223,134,885 62,762 61,836 61,703

California 4,311,620,854 3,926,007,009 3,489,875,512 1,138,021 1,093,032 1,048,030

Colorado 568,927,378 548,438,084 489,647,781 143,325 145,248 143,265

Connecticut 369,451,042 352,464,275 310,355,504 93,922 93,342 88,636

Delaware 97,341,428 92,621,496 83,490,499 26,731 25,685 24,488


Florida 2,150,347,592 1,992,419,320 1,692,854,931 607,709 587,302 532,016

Georgia 1,187,354,159 1,109,485,255 937,633,865 296,445 294,051 270,815

Hawaii 112,890,067 106,562,563 97,136,264 33,206 32,549 31,193

Idaho 115,206,150 107,067,402 92,727,287 32,096 31,157 30,987

Illinois 1,016,263,151 962,508,893 859,630,272 272,442 272,179 267,749

Indiana 535,390,672 515,234,698 459,368,481 146,682 146,934 143,233

Iowa 239,972,501 232,078,762 213,434,297 66,385 63,928 63,414

Kansas 244,605,571 234,022,832 210,014,309 63,971 60,890 61,642

Kentucky 376,513,491 359,346,344 319,844,906 98,221 105,282 101,478

Louisiana 573,560,932 540,365,466 470,584,106 135,344 129,239 120,800

Maine 83,605,450 84,033,319 76,667,662 25,667 26,155 25,259

Maryland 744,231,314 692,918,760 627,015,913 220,190 212,585 201,341

Massachusetts 776,029,550 746,435,267 672,836,664 239,068 238,119 226,202

Michigan 55,491,782 52,111,684 48,771,977 21,733 21,397 22,065

Minnesota 437,513,042 401,573,615 389,120,329 118,953 114,111 124,750

Mississippi 223,146,762 215,728,794 196,495,388 52,968 53,341 52,598

Missouri 523,724,853 498,976,858 428,717,256 143,536 142,525 136,463

Montana 73,037,980 70,437,429 65,915,645 18,277 18,443 19,571

Nebraska 175,811,692 170,150,103 152,685,974 46,164 44,432 43,523

Nevada 275,904,335 254,169,969 220,408,763 72,833 69,518 68,254

New Hampshire 108,120,194 105,661,986 96,945,837 32,223 33,155 31,476

New Jersey 761,845,812 719,207,863 651,084,683 194,514 189,064 179,293

New Mexico 164,555,055 162,692,892 146,474,860 43,542 43,439 44,368

New York 1,627,496,536 1,571,630,875 1,412,271,835 404,951 408,360 392,174

North Carolina 908,235,104 830,047,738 750,427,806 254,754 244,006 234,444

North Dakota 53,400,349 51,836,125 48,653,956 14,247 14,410 14,788

Ohio 968,637,601 935,986,802 853,003,996 274,709 279,864 274,819

Oklahoma 358,703,265 354,267,873 313,463,012 85,800 89,622 91,237

Oregon 365,012,508 340,287,394 297,302,392 101,133 98,715 98,704

Pennsylvania 1,200,031,017 1,168,140,813 1,059,609,376 332,755 333,992 324,020

Rhode Island 139,193,633 130,402,697 115,487,885 33,684 32,959 30,811

South Carolina 550,475,630 513,549,377 445,731,163 146,083 143,472 133,036

South Dakota 59,084,888 56,148,580 51,368,453 15,465 15,469 15,402

Tennessee 535,095,462 497,358,344 427,944,252 140,039 136,290 125,669

Texas 3,063,278,943 2,894,175,796 2,555,477,161 n/a n/a n/a

Utah 272,616,126 248,714,617 210,980,225 71,954 67,646 65,633

Vermont 38,665,835 38,245,487 36,834,702 11,713 12,282 12,284

Virginia 819,496,863 775,520,377 709,303,984 250,318 241,980 237,072

Washington 634,797,601 592,164,690 520,089,223 170,497 167,252 163,905

West Virginia 145,495,756 140,724,689 132,893,279 40,371 41,163 40,140

Wisconsin 360,038,605 341,436,367 330,773,740 101,433 99,970 102,739

Wyoming 41,614,959 43,072,091 42,867,231 10,111 10,783 11,540

Countrywide 29,965,534,502 28,202,385,713 25,069,630,372 7,225,743 7,094,396 6,826,201

CW w/o Texas 26,902,255,559 25,308,209,917 22,514,153,211 7,225,743 7,094,396 6,826,201

Table 9B



Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 135.38 130.24 117.31 83.40 86.99 82.10

Alaska 134.70 135.72 129.74 78.18 78.65 75.74

Arizona 156.23 149.53 134.59 83.64 84.76 78.78

Arkansas 144.03 138.74 125.33 87.93 90.53 82.72

California 163.51 153.80 139.31 80.58 79.94 74.54

Colorado 150.47 148.71 136.54 79.62 86.46 84.30

Connecticut 183.55 180.82 163.46 87.53 89.00 81.85

Delaware 161.75 158.79 147.09 82.50 84.87 81.24


Florida 168.21 162.08 144.13 83.53 87.99 84.02

Georgia 185.96 177.25 151.64 88.42 90.22 82.63

Hawaii 136.01 131.15 123.11 92.80 90.44 84.90

Idaho 110.25 105.75 93.78 83.63 87.25 81.35

Illinois 152.22 145.80 130.81 89.83 92.08 86.04

Indiana 121.26 118.34 106.76 84.73 88.05 83.75

Iowa 103.98 101.65 94.70 80.02 83.21 81.27

Kansas 120.54 117.37 106.48 80.59 80.83 74.88

Kentucky 127.97 123.40 111.68 87.64 87.87 79.86

Louisiana 208.62 201.04 178.94 88.68 85.75 80.04

Maine 109.82 112.55 104.98 80.04 87.22 83.78

Maryland 189.54 180.07 165.55 88.29 90.76 86.32

Massachusetts 181.25 177.72 162.66 73.00 74.20 69.24

Michigan 10.31 9.84 9.26 45.06 44.16 43.04

Minnesota 116.21 109.64 107.99 82.44 81.27 84.61

Mississippi 125.20 121.58 111.46 86.19 87.95 83.34

Missouri 140.39 135.35 118.08 82.23 84.48 75.51

Montana 100.75 99.25 95.00 79.25 81.44 80.33

Nebraska 121.03 119.04 108.30 80.61 84.35 80.07

Nevada 159.41 151.72 135.07 86.65 85.54 77.25

New Hampshire 128.75 127.75 119.90 87.29 91.86 88.58

New Jersey 183.92 178.00 165.04 84.29 86.54 82.45

New Mexico 120.18 121.11 110.16 75.36 81.36 76.64

New York 196.83 193.16 176.48 83.20 85.90 80.81

North Carolina 133.36 123.71 112.27 102.95 99.42 89.82

North Dakota 103.26 100.57 96.32 84.41 84.34 83.16

Ohio 129.12 126.21 116.19 80.69 84.55 80.93

Oklahoma 146.32 146.28 131.69 77.76 81.68 75.74

Oregon 139.48 132.28 118.08 85.23 85.68 78.53

Pennsylvania 149.61 148.64 136.94 82.88 85.78 82.53

Rhode Island 243.28 235.42 214.27 93.85 95.79 91.01

South Carolina 156.99 149.48 133.40 86.27 88.58 83.41

South Dakota 90.52 87.38 81.82 80.65 81.96 79.04

Tennessee 123.56 118.41 105.08 79.43 79.72 71.98

Texas n/a n/a n/a 70.91 74.51 70.21

Utah 156.10 147.08 127.70 84.03 83.73 76.71

Vermont 104.55 103.47 100.23 76.87 79.77 79.13

Virginia 137.48 130.47 120.93 83.45 83.20 78.04

Washington 147.70 142.64 128.97 88.19 91.43 85.71

West Virginia 116.26 112.84 107.01 77.65 76.34 76.87

Wisconsin 97.87 93.86 92.06 82.71 83.65 85.38

Wyoming 98.47 101.48 101.53 73.10 79.54 82.11

Countrywide 164.54 158.27 143.35 82.06 83.92 78.94

CW w/o Texas 147.72 142.03 128.74 83.56 85.14 80.07

Table 9C



Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 3.20 3.20 3.14 4,236.91 4,071.64 3,741.29

Alaska 3.19 3.28 3.29 4,218.34 4,137.43 3,937.63

Arizona 4.08 4.02 3.95 3,826.05 3,717.88 3,411.48

Arkansas 3.39 3.40 3.47 4,249.98 4,085.75 3,616.27

California 4.32 4.28 4.18 3,788.70 3,591.85 3,329.94

Colorado 3.79 3.94 3.99 3,969.49 3,775.87 3,417.78

Connecticut 4.67 4.79 4.67 3,933.59 3,776.05 3,501.46

Delaware 4.44 4.40 4.31 3,641.52 3,606.05 3,409.45


Florida 4.75 4.78 4.53 3,538.45 3,392.50 3,181.96

Georgia 4.64 4.70 4.38 4,005.31 3,773.10 3,462.27

Hawaii 4.00 4.01 3.95 3,399.69 3,273.91 3,114.04

Idaho 3.07 3.08 3.13 3,589.42 3,436.38 2,992.46

Illinois 4.08 4.12 4.07 3,730.20 3,536.31 3,210.58

Indiana 3.32 3.37 3.33 3,650.01 3,506.57 3,207.14

Iowa 2.88 2.80 2.81 3,614.86 3,630.31 3,365.73

Kansas 3.15 3.05 3.13 3,823.69 3,843.37 3,407.00

Kentucky 3.34 3.62 3.54 3,833.33 3,413.18 3,151.86

Louisiana 4.92 4.81 4.59 4,237.80 4,181.13 3,895.56

Maine 3.37 3.50 3.46 3,257.31 3,212.90 3,035.26

Maryland 5.61 5.52 5.32 3,379.95 3,259.49 3,114.20

Massachusetts 5.58 5.67 5.47 3,246.06 3,134.72 2,974.49

Michigan 0.40 0.40 0.42 2,553.34 2,435.47 2,210.38

Minnesota 3.16 3.12 3.46 3,678.03 3,519.15 3,119.20

Mississippi 2.97 3.01 2.98 4,212.86 4,044.33 3,735.80

Missouri 3.85 3.87 3.76 3,648.74 3,500.98 3,141.64

Montana 2.52 2.60 2.82 3,996.17 3,819.20 3,368.03

Nebraska 3.18 3.11 3.09 3,808.42 3,829.45 3,508.17

Nevada 4.21 4.15 4.18 3,788.18 3,656.17 3,229.24

New Hampshire 3.84 4.01 3.89 3,355.37 3,186.91 3,079.99

New Jersey 4.70 4.68 4.54 3,916.66 3,804.04 3,631.40

New Mexico 3.18 3.23 3.34 3,779.23 3,745.32 3,301.36

New York 4.90 5.02 4.90 4,019.00 3,848.64 3,601.14

North Carolina 3.74 3.64 3.51 3,565.15 3,401.75 3,200.88

North Dakota 2.75 2.80 2.93 3,748.18 3,597.23 3,290.10

Ohio 3.66 3.77 3.74 3,526.05 3,344.43 3,103.88

Oklahoma 3.50 3.70 3.83 4,180.69 3,952.91 3,435.70

Oregon 3.86 3.84 3.92 3,609.23 3,447.17 3,012.06

Pennsylvania 4.15 4.25 4.19 3,606.35 3,497.51 3,270.20

Rhode Island 5.89 5.95 5.72 4,132.34 3,956.51 3,748.27

South Carolina 4.17 4.18 3.98 3,768.24 3,579.44 3,350.46

South Dakota 2.37 2.41 2.45 3,820.56 3,629.75 3,335.18

Tennessee 3.23 3.24 3.09 3,821.05 3,649.27 3,405.33


Utah 4.12 4.00 3.97 3,788.76 3,676.71 3,214.54

Vermont 3.17 3.32 3.34 3,301.10 3,113.95 2,998.59

Virginia 4.20 4.07 4.04 3,273.82 3,204.89 2,991.93

Washington 3.97 4.03 4.06 3,723.22 3,540.55 3,173.11

West Virginia 3.23 3.30 3.23 3,603.97 3,418.72 3,310.74

Wisconsin 2.76 2.75 2.86 3,549.52 3,415.39 3,219.55

Wyoming 2.39 2.54 2.73 4,115.81 3,994.44 3,714.66

Countrywide 3.97 3.98 3.90 4,147.05 3,975.30 3,672.56

CW w/o Texas 3.97 3.98 3.90 3,723.11 3,567.35 3,298.20

Table 9D


Frequency Severity

Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 782 1,192 2,873 2 1 2

Alaska 2,432 3,817 4,702 4 6 7

Arizona 0 0 0 0 0 0

Arkansas 268 2,774 1,619 1 4 2

California 2,751,655 2,375,959 2,103,338 16,224 14,973 13,089

Colorado 895 312 -49 1 0 0

Connecticut 76,207 50,238 71,838 119 81 137

Delaware 2,007 1,513 159 3 2 0


Florida 86,511 77,977 346,277 107 133 747

Georgia 0 0 0 0 0 0

Hawaii 21,891 26,616 32,199 92 116 136

Idaho 193 678 976 1 1 2

Illinois 120,015 125,385 158,305 248 292 361

Indiana 3,893 4,974 3,384 3 4 5

Iowa 5,051 5,118 5,968 6 8 9

Kansas 447,211 430,397 448,189 1,513 1,653 1,783

Kentucky 189,301 129,496 115,407 351 288 302

Louisiana 4,860 3,875 2,884 2 3 2

Maine 2,899 1,925 3,947 2 4 8

Maryland 22,681,850 21,772,305 20,788,869 43,140 43,904 40,869

Massachusetts 30,016,783 29,894,143 36,929,601 53,794 54,252 69,479

Michigan 237,771 264,833 326,494 3,852 3,917 5,459

Minnesota 3,169 941 563 3 1 4

Mississippi 5,025 6,898 6,921 4 8 10

Missouri 7,304 1,321 322 8 2 1

Montana 1,990 2,262 4,381 5 6 11

Nebraska 5,421 1,309 148 5 1 0

Nevada 1,613 238 23 4 1 0

New Hampshire 7,895 7,516 8,901 23 35 42

New Jersey 6,474,657 5,509,181 7,098,162 9,570 9,638 13,160

New Mexico 2,934 1,061 411 2 1 1

New York 18,407,183 17,884,011 20,043,023 38,691 39,918 44,961


North Dakota 773 2,791 2,456 0 3 5

Ohio 0 0 0 0 0 0

Oklahoma 7,770 4,602 5,722 10 8 10

Oregon 3,941 2,484 166 2 3 1

Pennsylvania 942,012 1,054,678 1,145,161 5,760 6,501 6,941

Rhode Island 5,893,052 4,765,341 4,142,764 16,745 14,300 12,398

South Carolina 4,063 -13 1,031 4 0 1

South Dakota 0 2,999 429 0 1 0

Tennessee 3,209 4,567 3,733 4 7 6

Texas 700,375 715,742 878,752 n/a n/a n/a

Utah 693 2,074 1,563 2 4 4

Vermont 16,732 27,492 23,953 25 39 38

Virginia 215,359 224,007 263,954 378 383 448

Washington 3,851 1,291 300 6 1 0

West Virginia 9,414 4,440 4,483 20 10 6

Wisconsin 3,320 5,027 1,543 1 2 0

Wyoming 0 0 0 0 0 0

Countrywide 89,457,294 85,466,198 95,068,620 190,833 190,588 210,562

CW w/o Texas 88,756,919 84,750,456 94,189,868 190,833 190,588 210,562

Table 10A



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0 0 0 0 0 0

Alaska 0 1,016 0 0 1 0

Arizona 0 0 0 0 0 0


California 2,501,693 1,786,700 1,577,963 1,026 900 834


Connecticut 50,433 26,244 80,967 14 4 14



Florida 99,912 92,654 609,491 30 18 167

Georgia 0 0 0 0 0 0

Hawaii 52,261 67,729 35,669 5 17 11

Idaho 0 0 0 0 0 0

Illinois 136,952 81,522 96,255 23 21 22

Indiana 0 0 0 0 0 0

Iowa 6,936 1,696 2,329 1 1 2

Kansas 489,525 384,731 469,099 108 107 107

Kentucky 182,785 135,982 156,351 52 40 42


Maine 28,220 10,228 26,244 1 3 10

Maryland 25,798,766 25,193,546 20,949,789 6,199 6,279 5,441

Massachusetts 31,243,228 28,306,445 31,180,346 8,726 8,428 9,754

Michigan 72,747 18,610 13,768 13 12 14

Minnesota 0 0 0 0 0 0


Missouri 5,406 0 0 2 0 0

Montana 0 0 2,986 0 0 2

Nebraska 10,068 0 0 2 0 0

Nevada 0 0 0 0 0 0

New Hampshire 11,074 3,886 1,883 4 2 1

New Jersey 4,359,113 4,318,454 5,614,790 1,310 1,348 1,656


New York 22,969,819 20,449,021 20,104,670 5,420 5,046 4,911


North Dakota 42,269 1,454 2,889 2 1 3

Ohio 0 0 0 0 0 0

Oklahoma 5,008 4,021 5,304 3 1 1

Oregon 11,649 5,490 0 2 2 0

Pennsylvania 1,254,303 1,363,240 1,330,893 439 470 494

Rhode Island 9,239,912 7,843,258 6,621,327 1,833 1,596 1,329

South Carolina 0 0 0 0 0 0

South Dakota 0 2,585 0 0 1 0

Tennessee 0 0 0 0 0 0

Texas 736,242 636,337 876,151 n/a n/a n/a

Utah 1,236 1,058 0 1 1 0

Vermont 23,834 12,772 18,499 3 4 4

Virginia 174,393 130,451 134,307 44 35 39

Washington 975 2,320 0 1 1 0

West Virginia 0 0 11,146 0 0 1


Wyoming 0 0 0 0 0 0

Countrywide 99,628,974 90,934,820 90,008,099 25,299 24,360 24,887

CW w/o Texas 98,892,732 90,298,483 89,131,948 25,299 24,360 24,887

Table 10B



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0.00 0.00 0.00 0.00 0.00 0.00

Alaska 0.00 169.33 0.00 0.00 26.62 0.00

Arizona - - - - - -

Arkansas 0.00 0.00 0.00 0.00 0.00 0.00

California 154.20 119.33 120.56 90.92 75.20 75.02

Colorado 0.00 - - 0.00 0.00 0.00

Connecticut 423.81 324.00 591.00 66.18 52.24 112.71

Delaware 0.00 0.00 - 0.00 0.00 0.00

District of Columbia 1,252.24 731.10 733.30 144.73 88.34 101.88

Florida 933.76 696.65 815.92 115.49 118.82 176.01

Georgia - - - - - -

Hawaii 568.05 583.87 262.27 238.73 254.47 110.78

Idaho 0.00 0.00 0.00 0.00 0.00 0.00

Illinois 552.23 279.18 266.63 114.11 65.02 60.80

Indiana 0.00 0.00 0.00 0.00 0.00 0.00

Iowa 1,156.00 212.00 258.78 137.32 33.14 39.02

Kansas 323.55 232.75 263.10 109.46 89.39 104.67

Kentucky 520.75 472.16 517.72 96.56 105.01 135.48

Louisiana 0.00 0.00 0.00 0.00 0.00 0.00

Maine 14,110.00 2,557.00 3,280.50 973.44 531.32 664.91

Maryland 598.02 573.83 512.61 113.74 115.71 100.77

Massachusetts 580.79 521.76 448.77 104.09 94.69 84.43

Michigan 18.89 4.75 2.52 30.60 7.03 4.22

Minnesota 0.00 0.00 0.00 0.00 0.00 0.00

Mississippi 0.00 0.00 65.40 0.00 0.00 9.45

Missouri 675.75 0.00 0.00 74.01 0.00 0.00

Montana 0.00 0.00 271.45 0.00 0.00 68.16

Nebraska 2,013.60 0.00 - 185.72 0.00 0.00

Nevada 0.00 0.00 - 0.00 0.00 0.00

New Hampshire 481.48 111.03 44.83 140.27 51.70 21.15

New Jersey 455.50 448.07 426.66 67.33 78.39 79.10

New Mexico 0.00 0.00 0.00 0.00 0.00 0.00

New York 593.67 512.28 447.16 124.79 114.34 100.31


North Dakota - 484.67 577.80 5,468.18 52.10 117.63

Ohio - - - - - -

Oklahoma 500.80 502.63 530.40 64.45 87.38 92.69

Oregon 5,824.50 1,830.00 0.00 295.58 221.01 0.00

Pennsylvania 217.76 209.70 191.74 133.15 129.26 116.22

Rhode Island 551.80 548.48 534.06 156.79 164.59 159.83

South Carolina 0.00 - 0.00 0.00 0.00 0.00

South Dakota - 2,585.00 - - 86.20 0.00

Tennessee 0.00 0.00 0.00 0.00 0.00 0.00

Texas n/a n/a n/a 105.12 88.91 99.70

Utah 618.00 264.50 0.00 178.35 51.01 0.00

Vermont 953.36 327.49 486.82 142.45 46.46 77.23

Virginia 461.36 340.60 299.79 80.98 58.24 50.88

Washington 162.50 2,320.00 - 25.32 179.71 0.00

West Virginia 0.00 0.00 1,857.67 0.00 0.00 248.63

Wisconsin 0.00 0.00 - 0.00 0.00 0.00

Wyoming - - - - - -

Countrywide 522.07 477.13 427.47 111.37 106.40 94.68

CW w/o Texas 518.22 473.79 423.31 111.42 106.55 94.63

Table 10C



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0.00 0.00 0.00 - - -

Alaska 0.00 16.67 0.00 - 1,016.00 -

Arizona - - - - - -

Arkansas 0.00 0.00 0.00 - - -

California 6.32 6.01 6.37 2,438.30 1,985.22 1,892.04

Colorado 0.00 - - - - -

Connecticut 11.76 4.94 10.22 3,602.36 6,561.00 5,783.36

Delaware 0.00 0.00 - - - -


Florida 28.04 13.53 22.36 3,330.40 5,147.44 3,649.65

Georgia - - - - - -

Hawaii 5.43 14.66 8.09 10,452.20 3,984.06 3,242.64

Idaho 0.00 0.00 0.00 - - -

Illinois 9.27 7.19 6.09 5,954.43 3,882.00 4,375.23

Indiana 0.00 0.00 0.00 - - -

Iowa 16.67 12.50 22.22 6,936.00 1,696.00 1,164.50

Kansas 7.14 6.47 6.00 4,532.64 3,595.62 4,384.10

Kentucky 14.81 13.89 13.91 3,515.10 3,399.55 3,722.64

Louisiana 0.00 0.00 0.00 - - -

Maine 50.00 75.00 125.00 28,220.00 3,409.33 2,624.40

Maryland 14.37 14.30 13.31 4,161.76 4,012.35 3,850.36

Massachusetts 16.22 15.53 14.04 3,580.48 3,358.62 3,196.67

Michigan 0.34 0.31 0.26 5,595.92 1,550.83 983.43

Minnesota 0.00 0.00 0.00 - - -

Mississippi 0.00 0.00 10.00 - - 654.00

Missouri 25.00 0.00 0.00 2,703.00 - -

Montana 0.00 0.00 18.18 - - 1,493.00

Nebraska 40.00 0.00 - 5,034.00 - -

Nevada 0.00 0.00 - - - -

New Hampshire 17.39 5.71 2.38 2,768.50 1,943.00 1,883.00

New Jersey 13.69 13.99 12.58 3,327.57 3,203.60 3,390.57

New Mexico 0.00 0.00 0.00 - - -

New York 14.01 12.64 10.92 4,237.97 4,052.52 4,093.80


North Dakota - 33.33 60.00 21,134.50 1,454.00 963.00

Ohio - - - - - -

Oklahoma 30.00 12.50 10.00 1,669.33 4,021.00 5,304.00

Oregon 100.00 66.67 0.00 5,824.50 2,745.00 -

Pennsylvania 7.62 7.23 7.12 2,857.18 2,900.51 2,694.12

Rhode Island 10.95 11.16 10.72 5,040.87 4,914.32 4,982.19

South Carolina 0.00 - 0.00 - - -

South Dakota - 100.00 - - 2,585.00 -

Tennessee 0.00 0.00 0.00 - - -


Utah 50.00 25.00 0.00 1,236.00 1,058.00 -

Vermont 12.00 10.26 10.53 7,944.67 3,193.00 4,624.75

Virginia 11.64 9.14 8.71 3,963.48 3,727.17 3,443.77

Washington 16.67 100.00 - 975.00 2,320.00 -

West Virginia 0.00 0.00 16.67 - - 11,146.00

Wisconsin 0.00 0.00 - - - -

Wyoming - - - - - -

Countrywide 13.26 12.78 11.82 3,938.06 3,732.96 3,616.67

CW w/o Texas 13.26 12.78 11.82 3,908.96 3,706.83 3,581.47

Table 10D


Frequency Severity

Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 575,591,730 521,096,968 488,244,130 3,545,821 3,480,393 3,416,760

Alaska 81,451,574 80,578,272 78,406,458 472,770 466,934 457,716

Arizona 787,394,598 717,060,879 672,605,216 4,215,284 4,064,644 3,937,276

Arkansas 303,363,821 279,069,570 269,751,986 1,851,906 1,820,975 1,780,444

California 5,353,196,663 4,913,491,556 4,684,194,215 26,384,869 25,541,486 25,063,838

Colorado 714,579,834 634,310,282 580,861,463 3,780,878 3,687,968 3,586,126

Connecticut 422,176,692 396,068,492 379,265,197 2,012,974 1,949,342 1,898,760

Delaware 117,985,125 109,139,156 102,771,003 601,817 583,281 567,615


Florida 2,574,471,602 2,264,399,101 2,015,282,634 12,783,713 12,293,052 11,746,011

Georgia 1,342,788,317 1,229,708,455 1,134,683,109 6,385,155 6,259,434 6,183,315

Hawaii 121,670,632 117,853,325 114,448,633 830,079 812,639 789,126

Idaho 137,749,298 122,711,026 113,982,792 1,044,973 1,012,415 988,798

Illinois 1,131,421,232 1,045,418,480 999,226,445 6,676,555 6,601,831 6,571,857

Indiana 631,914,922 585,178,995 548,528,594 4,415,051 4,353,681 4,302,712

Iowa 299,909,236 278,914,335 262,625,019 2,307,964 2,283,236 2,253,806

Kansas 303,975,367 289,952,350 280,928,341 2,030,745 1,995,530 1,974,164

Kentucky 429,814,920 409,065,906 400,628,382 2,942,465 2,912,443 2,864,279

Louisiana 646,749,267 630,150,046 587,958,744 2,749,336 2,687,882 2,629,828

Maine 104,463,110 96,344,216 91,513,581 761,276 746,652 730,346

Maryland 865,632,540 785,202,956 747,182,369 3,969,623 3,891,957 3,828,302

Massachusetts 1,093,010,156 1,035,811,796 1,008,658,882 4,335,414 4,254,341 4,206,058

Michigan 123,396,747 118,267,263 113,653,348 5,386,202 5,302,131 5,271,417

Minnesota 530,681,608 494,139,619 459,914,987 3,764,794 3,662,658 3,603,449

Mississippi 258,920,147 245,295,411 235,786,401 1,782,341 1,774,386 1,762,872

Missouri 636,906,031 590,642,117 567,756,248 3,730,464 3,686,621 3,630,696

Montana 92,161,388 86,495,341 82,058,142 724,975 709,732 693,850

Nebraska 218,098,755 201,710,849 190,699,931 1,452,646 1,429,340 1,409,868

Nevada 318,397,874 297,123,786 285,313,643 1,730,824 1,675,246 1,631,787

New Hampshire 123,874,449 115,032,535 109,448,029 839,816 827,154 808,593

New Jersey 910,303,672 836,583,967 796,789,968 4,151,874 4,050,183 3,958,165

New Mexico 218,348,352 199,970,756 191,116,428 1,369,191 1,343,395 1,329,674

New York 1,974,599,560 1,847,475,441 1,767,608,277 8,307,233 8,176,429 8,047,219

North Carolina 882,187,385 834,901,821 835,489,119 6,810,590 6,709,367 6,684,354

North Dakota 63,267,037 61,460,725 58,509,027 517,164 515,412 505,129

Ohio 1,200,474,280 1,106,963,337 1,053,978,771 7,501,634 7,416,208 7,341,592

Oklahoma 461,292,697 433,716,992 413,885,305 2,451,566 2,421,857 2,380,231

Oregon 428,266,338 397,163,671 378,597,325 2,616,947 2,572,469 2,517,816

Pennsylvania 1,448,900,463 1,362,831,469 1,285,113,268 8,026,965 7,865,416 7,744,878

Rhode Island 154,206,015 140,901,197 131,041,959 588,897 568,208 551,373

South Carolina 638,065,925 579,761,011 534,362,353 3,506,499 3,435,615 3,341,329

South Dakota 73,261,834 68,512,086 64,989,544 652,751 642,603 627,809

Tennessee 673,683,525 623,895,803 594,518,236 4,330,506 4,200,276 4,072,727

Texas 4,320,831,499 3,884,761,232 3,640,750,155 n/a n/a n/a

Utah 324,432,714 297,048,221 275,049,261 1,746,397 1,690,975 1,652,143

Vermont 50,317,352 47,969,259 46,571,531 369,839 369,663 367,558

Virginia 982,205,680 932,368,494 909,160,615 5,961,134 5,944,645 5,866,006

Washington 719,816,451 647,674,473 606,767,825 4,297,872 4,151,528 4,032,498

West Virginia 187,379,936 184,347,487 172,879,997 1,251,448 1,247,177 1,241,857

Wisconsin 435,330,733 408,179,164 387,416,499 3,678,640 3,637,849 3,592,857

Wyoming 56,926,957 54,149,576 52,209,812 422,633 424,425 422,219

Countrywide 36,606,503,038 33,693,723,836 31,853,338,142 182,310,066 178,385,500 175,094,389

CW w/o Texas 32,285,671,539 29,808,962,604 28,212,587,987 182,310,066 178,385,500 175,094,389

Table 11A



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 480,029,446 453,283,666 400,826,862 113,297 111,327 107,136

Alaska 63,680,131 63,373,960 59,383,456 15,096 15,318 15,081

Arizona 658,539,271 607,792,335 529,908,403 172,120 163,478 155,331

Arkansas 266,736,974 252,646,613 223,134,885 62,762 61,836 61,703

California 4,314,122,547 3,927,793,709 3,491,453,475 1,139,047 1,093,932 1,048,864

Colorado 568,927,378 548,438,084 489,647,781 143,325 145,248 143,265

Connecticut 369,501,475 352,490,519 310,436,471 93,936 93,346 88,650

Delaware 97,341,428 92,621,496 83,490,499 26,731 25,685 24,488


Florida 2,150,447,504 1,992,511,974 1,693,464,422 607,739 587,320 532,183

Georgia 1,187,354,159 1,109,485,255 937,633,865 296,445 294,051 270,815

Hawaii 112,942,328 106,630,292 97,171,933 33,211 32,566 31,204

Idaho 115,206,150 107,067,402 92,727,287 32,096 31,157 30,987

Illinois 1,016,400,103 962,590,415 859,726,527 272,465 272,200 267,771

Indiana 535,390,672 515,234,698 459,368,481 146,682 146,934 143,233

Iowa 239,979,437 232,080,458 213,436,626 66,386 63,929 63,416

Kansas 245,095,096 234,407,563 210,483,408 64,079 60,997 61,749

Kentucky 376,696,276 359,482,326 320,001,257 98,273 105,322 101,520

Louisiana 573,560,932 540,365,466 470,584,106 135,344 129,239 120,800

Maine 83,633,670 84,043,547 76,693,906 25,668 26,158 25,269

Maryland 770,030,080 718,112,306 647,965,702 226,389 218,864 206,782

Massachusetts 807,272,778 774,741,712 704,017,010 247,794 246,547 235,956

Michigan 55,564,529 52,130,294 48,785,745 21,746 21,409 22,079

Minnesota 437,513,042 401,573,615 389,120,329 118,953 114,111 124,750

Mississippi 223,146,762 215,728,794 196,496,042 52,968 53,341 52,599

Missouri 523,730,259 498,976,858 428,717,256 143,538 142,525 136,463

Montana 73,037,980 70,437,429 65,918,631 18,277 18,443 19,573

Nebraska 175,821,760 170,150,103 152,685,974 46,166 44,432 43,523

Nevada 275,904,335 254,169,969 220,408,763 72,833 69,518 68,254

New Hampshire 108,131,268 105,665,872 96,947,720 32,227 33,157 31,477

New Jersey 766,204,925 723,526,317 656,699,473 195,824 190,412 180,949

New Mexico 164,555,055 162,692,892 146,474,860 43,542 43,439 44,368

New York 1,650,466,355 1,592,079,896 1,432,376,505 410,371 413,406 397,085

North Carolina 908,235,104 830,047,738 750,427,806 254,754 244,006 234,444

North Dakota 53,442,618 51,837,579 48,656,845 14,249 14,411 14,791

Ohio 968,637,601 935,986,802 853,003,996 274,709 279,864 274,819

Oklahoma 358,708,273 354,271,894 313,468,316 85,803 89,623 91,238

Oregon 365,024,157 340,292,884 297,302,392 101,135 98,717 98,704

Pennsylvania 1,201,285,320 1,169,504,053 1,060,940,269 333,194 334,462 324,514

Rhode Island 148,433,545 138,245,955 122,109,212 35,517 34,555 32,140

South Carolina 550,475,630 513,549,377 445,731,163 146,083 143,472 133,036

South Dakota 59,084,888 56,151,165 51,368,453 15,465 15,470 15,402

Tennessee 535,095,462 497,358,344 427,944,252 140,039 136,290 125,669

Texas 3,064,015,185 2,894,812,133 2,556,353,312 n/a n/a n/a

Utah 272,617,362 248,715,675 210,980,225 71,955 67,647 65,633

Vermont 38,689,669 38,258,259 36,853,201 11,716 12,286 12,288

Virginia 819,671,256 775,650,828 709,438,291 250,362 242,015 237,111

Washington 634,798,576 592,167,010 520,089,223 170,498 167,253 163,905

West Virginia 145,495,756 140,724,689 132,904,425 40,371 41,163 40,141

Wisconsin 360,038,605 341,436,367 330,773,740 101,433 99,970 102,739

Wyoming 41,614,959 43,072,091 42,867,231 10,111 10,783 11,540

Countrywide 30,065,163,476 28,293,320,533 25,159,638,471 7,251,042 7,118,756 6,851,088

CW w/o Texas 27,001,148,291 25,398,508,400 22,603,285,159 7,251,042 7,118,756 6,851,088

Table 11B



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 135.38 130.24 117.31 83.40 86.99 82.10

Alaska 134.70 135.72 129.74 78.18 78.65 75.74

Arizona 156.23 149.53 134.59 83.64 84.76 78.78

Arkansas 144.03 138.74 125.33 87.93 90.53 82.72

California 163.51 153.78 139.30 80.59 79.94 74.54

Colorado 150.47 148.71 136.54 79.62 86.46 84.30

Connecticut 183.56 180.83 163.49 87.52 89.00 81.85

Delaware 161.75 158.79 147.09 82.50 84.87 81.24


Florida 168.22 162.08 144.17 83.53 87.99 84.03

Georgia 185.96 177.25 151.64 88.42 90.22 82.63

Hawaii 136.06 131.21 123.14 92.83 90.48 84.90

Idaho 110.25 105.75 93.78 83.63 87.25 81.35

Illinois 152.23 145.81 130.82 89.83 92.08 86.04

Indiana 121.26 118.34 106.76 84.73 88.05 83.75

Iowa 103.98 101.65 94.70 80.02 83.21 81.27

Kansas 120.69 117.47 106.62 80.63 80.84 74.92

Kentucky 128.02 123.43 111.72 87.64 87.88 79.87

Louisiana 208.62 201.04 178.94 88.68 85.75 80.04

Maine 109.86 112.56 105.01 80.06 87.23 83.81

Maryland 193.98 184.51 169.26 88.96 91.46 86.72

Massachusetts 186.20 182.11 167.38 73.86 74.80 69.80

Michigan 10.32 9.83 9.25 45.03 44.08 42.93

Minnesota 116.21 109.64 107.99 82.44 81.27 84.61

Mississippi 125.20 121.58 111.46 86.18 87.95 83.34

Missouri 140.39 135.35 118.08 82.23 84.48 75.51

Montana 100.75 99.25 95.00 79.25 81.43 80.33

Nebraska 121.04 119.04 108.30 80.62 84.35 80.07

Nevada 159.41 151.72 135.07 86.65 85.54 77.25

New Hampshire 128.76 127.75 119.90 87.29 91.86 88.58

New Jersey 184.54 178.64 165.91 84.17 86.49 82.42

New Mexico 120.18 121.11 110.16 75.36 81.36 76.64

New York 198.68 194.72 178.00 83.58 86.18 81.03

North Carolina 133.36 123.71 112.27 102.95 99.42 89.82

North Dakota 103.34 100.58 96.33 84.47 84.34 83.16

Ohio 129.12 126.21 116.19 80.69 84.55 80.93

Oklahoma 146.32 146.28 131.70 77.76 81.68 75.74

Oregon 139.48 132.28 118.08 85.23 85.68 78.53

Pennsylvania 149.66 148.69 136.99 82.91 85.81 82.56

Rhode Island 252.05 243.30 221.46 96.26 98.12 93.18

South Carolina 156.99 149.48 133.40 86.27 88.58 83.41

South Dakota 90.52 87.38 81.82 80.65 81.96 79.04

Tennessee 123.56 118.41 105.08 79.43 79.72 71.98

Texas n/a n/a n/a 70.91 74.52 70.22

Utah 156.10 147.08 127.70 84.03 83.73 76.71

Vermont 104.61 103.49 100.26 76.89 79.76 79.13

Virginia 137.50 130.48 120.94 83.45 83.19 78.03

Washington 147.70 142.64 128.97 88.19 91.43 85.71

West Virginia 116.26 112.83 107.02 77.65 76.34 76.88

Wisconsin 97.87 93.86 92.06 82.70 83.65 85.38

Wyoming 98.47 101.48 101.53 73.10 79.54 82.11

Countrywide 164.91 158.61 143.69 82.13 83.97 78.99

CW w/o Texas 148.11 142.38 129.09 83.63 85.20 80.12

Table 11C



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 3.20 3.20 3.14 4,236.91 4,071.64 3,741.29

Alaska 3.19 3.28 3.29 4,218.34 4,137.22 3,937.63

Arizona 4.08 4.02 3.95 3,826.05 3,717.88 3,411.48

Arkansas 3.39 3.40 3.47 4,249.98 4,085.75 3,616.27

California 4.32 4.28 4.18 3,787.48 3,590.53 3,328.80

Colorado 3.79 3.94 3.99 3,969.49 3,775.87 3,417.78

Connecticut 4.67 4.79 4.67 3,933.54 3,776.17 3,501.82

Delaware 4.44 4.40 4.31 3,641.52 3,606.05 3,409.45


Florida 4.75 4.78 4.53 3,538.44 3,392.55 3,182.11

Georgia 4.64 4.70 4.38 4,005.31 3,773.10 3,462.27

Hawaii 4.00 4.01 3.95 3,400.75 3,274.28 3,114.09

Idaho 3.07 3.08 3.13 3,589.42 3,436.38 2,992.46

Illinois 4.08 4.12 4.07 3,730.39 3,536.34 3,210.68

Indiana 3.32 3.37 3.33 3,650.01 3,506.57 3,207.14

Iowa 2.88 2.80 2.81 3,614.91 3,630.28 3,365.66

Kansas 3.16 3.06 3.13 3,824.89 3,842.94 3,408.69

Kentucky 3.34 3.62 3.54 3,833.16 3,413.17 3,152.10

Louisiana 4.92 4.81 4.59 4,237.80 4,181.13 3,895.56

Maine 3.37 3.50 3.46 3,258.29 3,212.92 3,035.10

Maryland 5.70 5.62 5.40 3,401.36 3,281.09 3,133.57

Massachusetts 5.72 5.80 5.61 3,257.84 3,142.37 2,983.68

Michigan 0.40 0.40 0.42 2,555.16 2,434.97 2,209.60

Minnesota 3.16 3.12 3.46 3,678.03 3,519.15 3,119.20

Mississippi 2.97 3.01 2.98 4,212.86 4,044.33 3,735.74

Missouri 3.85 3.87 3.76 3,648.72 3,500.98 3,141.64

Montana 2.52 2.60 2.82 3,996.17 3,819.20 3,367.83

Nebraska 3.18 3.11 3.09 3,808.47 3,829.45 3,508.17

Nevada 4.21 4.15 4.18 3,788.18 3,656.17 3,229.24

New Hampshire 3.84 4.01 3.89 3,355.30 3,186.83 3,079.95

New Jersey 4.72 4.70 4.57 3,912.72 3,799.79 3,629.20

New Mexico 3.18 3.23 3.34 3,779.23 3,745.32 3,301.36

New York 4.94 5.06 4.93 4,021.89 3,851.13 3,607.23

North Carolina 3.74 3.64 3.51 3,565.15 3,401.75 3,200.88

North Dakota 2.76 2.80 2.93 3,750.62 3,597.08 3,289.63

Ohio 3.66 3.77 3.74 3,526.05 3,344.43 3,103.88

Oklahoma 3.50 3.70 3.83 4,180.60 3,952.91 3,435.72

Oregon 3.86 3.84 3.92 3,609.28 3,447.16 3,012.06

Pennsylvania 4.15 4.25 4.19 3,605.36 3,496.67 3,269.32

Rhode Island 6.03 6.08 5.83 4,179.23 4,000.75 3,799.29

South Carolina 4.17 4.18 3.98 3,768.24 3,579.44 3,350.46

South Dakota 2.37 2.41 2.45 3,820.56 3,629.68 3,335.18

Tennessee 3.23 3.24 3.09 3,821.05 3,649.27 3,405.33


Utah 4.12 4.00 3.97 3,788.72 3,676.67 3,214.54

Vermont 3.17 3.32 3.34 3,302.29 3,113.97 2,999.12

Virginia 4.20 4.07 4.04 3,273.94 3,204.97 2,992.01

Washington 3.97 4.03 4.06 3,723.20 3,540.55 3,173.11

West Virginia 3.23 3.30 3.23 3,603.97 3,418.72 3,310.94

Wisconsin 2.76 2.75 2.86 3,549.52 3,415.39 3,219.55

Wyoming 2.39 2.54 2.73 4,115.81 3,994.44 3,714.66

Countrywide 3.98 3.99 3.91 4,146.32 3,974.48 3,672.36

CW w/o Texas 3.98 3.99 3.91 3,723.76 3,567.83 3,299.23

Table 11D


Frequency Severity

Total Business



Combined Single Limits Liability





BI/PD Combined Single Limits Liability

The limits of coverage for bodily injury (BI) liability and property damage (PD) liability can be offered on a single limit basis. In a combined single limit

liability policy, the selected coverage limit applies to damages resulting from a single accident for bodily injury, property damage, or both.

BI/PD Combined Single Limits Liability State-Specific Information and Technical Notes


BI/PD Combined Single Limit Data Texas—Data for each component of BI/PD combined single limit coverage is separated and included in data for bodily injury liability1 or for property damage liability.2

BI/PD Combined Single Limit Liability Required Limits

Tennessee—The minimum limit for BI/PD combined single limit liability coverage is $60,000.

BI/PD Combined Single Limit Earned Premiums and Exposures

In Tables 12A–12D-2, the earned premium amount and the earned exposure number reported for BI/PD combined single limit liability represent both the bodily injury (CSL-BI) and property damage (CSL-PD) components. Except:

Texas—Earned exposure data are not available, as indicated by “n/a.” Because the results for pure premium and claim frequency are calculated using earned exposures, there is no data in these columns for Texas.

1 See Bodily Injury Liability, Page 35. 2 See Property Damage Liability, Page 51.

BI/PD Combined Single Limit Incurred Losses and Incurred Claims

The BI/PD combined single limit incurred claims and incurred losses are reported for the CSL-BI component and the CSL-PD component separately.

Except: Texas—Incurred claims data are not available, as indicated by “n/a.” Because the results for frequency and severity are calculated using incurred claims, there is no data in these columns for Texas.

BI/PD Combined Single Limit Loss Development Incurred losses for the bodily injury component are developed to 63 months.

Except: California—BI/PD incurred losses are developed to 42 months.

ISO develops BI losses to 87 months.

Texas develops BI losses to 51 months.

Incurred losses for the property damage component are developed to 39 months.

Calculations—Loss Experience Incurred losses for each component were added together to calculate the BI/PD combined single limit pure premium and loss ratio. CSL-BI and CSL-PD claims could not be combined, so the BI/PD combined single limit frequency and severity are not shown.



However, pure premium, loss ratio, frequency, and severity were calculated for the CSL-BI and CSL-PD components individually.

BI/PD combined single limit pure premium= (CSL-BI incurred losses + CSL-PD incurred losses)/(BI/PD CSL earned exposures)

BI/PD combined single limit loss ratio= (CSL-BI incurred losses + CSL-PD incurred losses)/(BI/PD CSL earned premium)

CSL-BI pure premium=(CSL-BI incurred losses)/ (BI/PD combined single limit earned exposures)

CSL-BI loss ratio=(CSL-BI incurred losses)/ (BI/PD combined single limit earned premium)

CSL-BI frequency=(CSL-BI-incurred claims)/ (BI/PD combined single limit earned exposures)

CSL-BI severity=(CSL-BI incurred losses)/ (CSL-BI incurred claims)

CSL-PD pure premium=(CSL-PD incurred losses) /(BI/PD combined single limit earned exposures)

CSL-PD loss ratio=(CSL-PD incurred losses)/ (BI/PD combined single limit earned premium)

CSL-PD frequency=(CSL-PD incurred claims)/ (BI/PD combined single limit earned exposures)

CSL-PD severity=(CSL-PD incurred losses)/ (CSL-PD incurred claims)




STATE 2016 2015 2014 2016 2015 2014

Alabama 28,263,882 27,123,278 26,069,994 70,643 70,496 73,482

Alaska 670,287 693,907 703,270 1,180 1,330 1,474

Arizona 74,001,021 67,560,320 64,111,413 159,161 149,837 148,209

Arkansas 72,959,151 67,228,059 63,692,700 239,492 233,385 230,204

California 143,860,533 141,615,650 142,340,892 272,875 281,039 288,712

Colorado 71,731,492 63,104,571 58,289,307 180,048 166,747 161,858

Connecticut 190,346,102 195,546,770 199,217,166 340,710 366,012 389,849

Delaware 33,094,748 32,311,474 31,352,689 59,003 60,572 61,968


Florida 184,164,632 178,072,552 182,146,314 263,624 252,880 262,490

Georgia 163,310,865 152,305,163 140,540,038 298,394 301,833 302,535

Hawaii 12,071,657 11,814,448 11,776,896 36,613 36,236 36,469

Idaho 16,848,841 15,425,280 14,714,984 60,886 57,066 55,454

Illinois 106,600,975 101,306,919 99,002,544 258,209 257,129 260,467

Indiana 62,876,989 58,445,152 55,858,171 224,663 215,159 209,860

Iowa 26,473,979 25,550,110 25,609,958 121,928 121,167 122,266

Kansas 45,267,835 42,453,966 40,582,253 187,158 181,088 179,981

Kentucky 80,721,576 76,794,366 74,995,780 201,814 200,600 202,610

Louisiana 103,101,791 94,004,461 87,474,761 133,267 127,918 125,289

Maine 49,379,895 47,197,895 46,140,843 197,628 197,034 195,946

Maryland 89,183,113 89,279,834 89,410,600 166,596 177,861 191,073

Massachusetts 0 0 0 0 0 0

Michigan 50,092,516 48,698,139 47,063,415 337,776 335,003 323,552

Minnesota 53,367,246 50,872,342 48,741,913 180,648 180,563 180,146

Mississippi 39,625,825 33,902,366 31,596,670 103,220 95,440 91,968

Missouri 118,936,441 110,062,466 106,345,555 384,538 376,006 376,464

Montana 8,709,570 9,000,027 9,655,831 28,205 27,163 29,470

Nebraska 17,917,490 16,480,777 15,836,975 63,853 61,920 61,179

Nevada 53,491,592 50,743,224 47,114,807 79,556 77,359 77,608

New Hampshire 29,508,686 27,915,574 26,506,416 83,006 80,308 77,802

New Jersey 653,847,468 671,837,320 682,420,514 1,334,023 1,326,706 1,352,017

New Mexico 15,080,407 14,434,472 13,852,227 38,136 37,125 37,201

New York 513,291,257 510,747,012 514,532,770 1,097,344 1,111,815 1,142,527

North Carolina 64,095 59,805 59,820 233 233 232

North Dakota 5,262,594 4,952,944 4,922,933 41,219 39,235 38,159

Ohio 155,821,001 151,737,760 147,855,321 506,062 508,442 518,872

Oklahoma 84,658,372 79,515,693 74,849,612 226,040 224,579 222,330

Oregon 48,202,261 45,879,296 43,849,273 118,458 114,897 113,578

Pennsylvania 197,542,405 201,034,034 207,390,910 535,654 548,212 574,212

Rhode Island 56,171,236 56,146,315 56,766,299 94,216 97,437 101,700

South Carolina 52,951,601 49,507,873 47,263,183 124,039 119,514 119,514

South Dakota 2,428,006 2,669,748 2,619,733 11,870 12,256 12,090

Tennessee 94,860,835 90,293,832 88,212,795 263,600 262,115 266,842

Texas 0 0 0 n/a n/a n/a

Utah 26,635,984 24,349,714 22,854,498 69,281 65,723 64,624

Vermont 16,655,306 16,877,831 17,060,936 64,205 68,619 70,704

Virginia 75,714,022 75,088,577 76,030,181 212,956 218,028 225,227

Washington 82,877,461 78,480,116 73,550,382 183,930 185,887 189,962

West Virginia 15,775,276 15,729,553 16,164,785 38,593 39,031 40,707

Wisconsin 76,141,347 72,954,164 69,893,146 239,149 238,294 236,450

Wyoming 1,214,777 1,108,847 1,029,814 4,768 4,392 4,148

Countrywide 4,108,915,709 4,005,776,246 3,954,876,371 9,950,713 9,923,942 10,062,157

CW w/o Texas 4,108,915,709 4,005,776,246 3,954,876,371 9,950,713 9,923,942 10,062,157

Table 12A

BI/PD Combined Single Limits Liability 2014-2016


Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 11,596,616 10,990,211 12,286,724 617 624 629

Alaska 274,049 188,670 113,487 13 6 8

Arizona 37,482,560 37,610,957 29,802,391 1,763 1,728 1,647

Arkansas 33,790,979 25,870,326 24,837,883 1,704 1,688 1,573

California 59,582,929 70,535,798 64,738,235 1,745 1,786 1,716

Colorado 27,811,114 29,858,604 31,537,133 1,162 1,094 993

Connecticut 82,563,902 86,217,377 97,889,912 3,335 3,371 3,367

Delaware 12,067,411 12,933,193 13,272,869 937 934 938

District of Columbia 2,191,682 3,187,204 2,013,804 218 223 204

Florida 83,587,526 85,779,989 93,308,461 3,433 3,296 3,271

Georgia 77,577,527 80,907,475 70,438,749 5,475 5,530 4,952

Hawaii 3,661,099 2,782,656 2,816,477 109 128 154

Idaho 7,454,084 7,800,382 8,096,750 666 554 665

Illinois 51,070,061 44,275,130 39,786,199 2,270 2,046 2,088

Indiana 36,083,887 28,973,171 31,340,541 2,221 2,051 2,078

Iowa 12,647,748 12,779,566 13,761,943 650 599 635

Kansas 26,059,588 17,099,517 23,289,605 520 547 512

Kentucky 43,387,111 36,045,873 34,199,799 2,279 2,370 2,270

Louisiana 58,574,270 58,342,123 50,138,390 2,891 2,578 2,401

Maine 18,808,041 21,316,009 20,369,309 836 856 851

Maryland 28,490,025 34,215,575 39,320,745 2,897 3,027 3,217


Michigan 34,696,968 39,788,464 34,710,544 466 537 543

Minnesota 18,294,115 19,584,479 17,262,536 524 510 518

Mississippi 20,464,565 20,859,252 16,582,802 1,044 1,019 856

Missouri 64,706,297 53,528,500 44,953,603 2,356 2,343 2,179

Montana 3,003,589 6,888,967 4,862,651 117 169 132

Nebraska 8,792,397 9,398,153 9,637,118 432 425 394

Nevada 26,491,812 28,749,387 31,657,194 1,277 1,249 1,224

New Hampshire 6,883,446 7,486,794 9,605,726 389 387 412

New Jersey 219,933,406 250,546,212 291,311,396 6,234 5,721 5,908

New Mexico 6,675,992 4,139,304 5,137,576 364 300 307

New York 188,974,548 208,780,537 196,864,535 5,561 5,807 5,630

North Carolina 49,133 0 5,779 3 0 2

North Dakota 2,775,364 2,794,075 1,572,480 45 43 41

Ohio 57,852,671 59,946,815 55,192,447 4,179 4,382 4,113

Oklahoma 37,838,173 28,391,279 26,879,445 1,948 1,880 1,764

Oregon 27,117,598 25,335,022 24,730,123 1,994 2,031 2,028

Pennsylvania 62,249,873 68,897,670 75,926,608 2,395 2,447 2,517

Rhode Island 25,315,162 22,549,492 25,461,977 1,427 1,315 1,303

South Carolina 23,341,625 23,121,640 22,828,939 2,007 1,755 1,612

South Dakota 317,836 1,429,388 1,396,718 22 43 33

Tennessee 39,187,612 36,603,712 33,130,396 2,236 2,201 1,969


Utah 10,642,051 12,008,899 11,056,491 878 746 684

Vermont 5,878,103 8,863,532 6,931,413 342 380 424

Virginia 23,114,540 26,742,822 28,072,290 1,739 1,717 1,869

Washington 40,390,103 50,219,293 44,573,605 2,977 3,214 3,312

West Virginia 5,939,577 3,521,343 5,134,084 238 220 334

Wisconsin 39,462,642 31,833,292 40,361,120 1,305 1,232 1,306

Wyoming 146,219 479,146 934,135 13 21 29

Countrywide 1,715,297,626 1,760,197,275 1,770,133,137 78,253 77,130 75,612

CW w/o Texas 1,715,297,626 1,760,197,275 1,770,133,137 78,253 77,130 75,612

Table 12B-1


Incurred Losses - Bodily Injury Incurred Claims - Bodily Injury

Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 9,283,228 9,158,705 8,519,677 2,148 2,162 2,236

Alaska 137,300 225,491 164,530 27 47 40

Arizona 23,297,029 20,489,280 18,654,462 5,364 5,126 4,993

Arkansas 29,083,208 29,261,150 26,007,127 6,794 6,906 6,567

California 40,982,837 39,499,370 36,163,465 9,379 9,822 10,103

Colorado 25,002,149 22,285,201 19,099,236 5,877 5,665 5,322

Connecticut 50,049,527 53,723,691 53,217,252 12,625 13,778 14,618

Delaware 8,450,516 8,037,892 8,295,886 2,302 2,267 2,360


Florida 37,733,808 35,498,628 33,011,542 9,731 9,706 9,810

Georgia 53,506,618 53,536,170 45,201,636 13,330 13,979 12,979

Hawaii 4,272,347 4,577,593 4,208,565 1,272 1,416 1,403

Idaho 5,179,063 4,401,377 3,910,644 1,382 1,273 1,244

Illinois 36,695,065 34,797,704 32,957,993 9,804 9,848 9,906

Indiana 19,290,010 17,798,295 17,625,340 5,021 5,112 4,999

Iowa 13,908,145 13,518,436 12,988,668 3,748 3,741 3,803

Kansas 18,646,868 18,356,409 15,965,435 4,607 4,286 3,926

Kentucky 26,584,705 24,243,267 22,486,466 7,025 6,762 6,457

Louisiana 24,736,345 23,185,550 20,524,412 5,406 5,348 5,098

Maine 17,054,198 16,127,691 15,252,045 5,133 5,188 5,156

Maryland 29,780,244 29,504,795 29,238,895 8,429 8,746 9,143


Michigan 6,217,530 6,136,438 6,432,699 2,251 2,179 2,505

Minnesota 20,359,824 19,383,641 19,628,326 5,633 5,626 5,953

Mississippi 12,967,846 11,686,601 9,871,907 2,983 2,798 2,615

Missouri 42,544,010 40,490,249 36,364,987 11,580 11,459 11,167

Montana 2,235,199 2,618,612 2,229,503 553 675 701

Nebraska 8,272,504 7,740,939 7,473,348 2,152 2,153 2,216

Nevada 12,379,865 11,263,372 9,893,438 3,047 2,898 2,764

New Hampshire 9,488,544 9,989,398 8,846,830 2,764 3,006 2,843

New Jersey 195,261,400 200,294,330 187,426,040 46,553 48,814 47,094

New Mexico 4,072,008 3,802,745 4,008,081 1,090 1,013 1,019

New York 151,199,681 154,647,944 147,776,488 37,411 39,741 39,568

North Carolina 93,603 0 39,579 13 0 15

North Dakota 2,468,867 2,695,406 2,412,225 693 761 683

Ohio 50,597,980 50,560,026 46,790,120 14,409 15,158 14,850

Oklahoma 31,962,265 32,348,353 29,204,715 7,413 7,863 7,551

Oregon 13,095,177 11,598,510 10,667,446 3,667 3,512 3,582

Pennsylvania 72,121,992 72,237,622 73,637,115 18,961 19,711 20,502

Rhode Island 19,732,477 18,817,293 16,952,154 4,122 4,493 4,330

South Carolina 16,443,699 14,627,743 13,375,152 4,459 4,338 3,961

South Dakota 487,152 838,213 782,680 148 184 231

Tennessee 33,988,984 31,257,481 29,403,708 8,732 8,695 8,478


Utah 9,525,998 8,846,587 7,400,978 2,484 2,341 2,089

Vermont 4,722,320 5,082,430 4,727,589 1,463 1,564 1,614

Virginia 24,681,944 24,000,230 23,404,486 7,439 7,536 7,606

Washington 21,530,134 20,244,444 19,159,145 5,553 5,742 5,815

West Virginia 3,807,510 3,634,260 4,131,727 990 1,048 1,203

Wisconsin 19,520,539 19,376,738 19,855,370 5,445 5,659 5,875

Wyoming 491,597 575,952 605,676 125 141 156

Countrywide 1,266,357,133 1,245,119,254 1,167,898,608 322,337 330,988 327,851

CW w/o Texas 1,266,357,133 1,245,119,254 1,167,898,608 322,337 330,988 327,851

Table 12B-2


Incurred Losses - Property Damage Incurred Claims - Property Damage

Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 295.57 285.82 283.15 73.87 74.29 79.81

Alaska 348.60 311.40 188.61 61.37 59.69 39.53

Arizona 381.87 387.76 326.95 82.13 86.00 75.58

Arkansas 262.53 236.23 220.87 86.18 82.01 79.83

California 368.54 391.53 349.49 69.91 77.70 70.89

Colorado 293.33 312.71 312.84 73.63 82.63 86.87

Connecticut 389.23 382.34 387.60 69.67 71.56 75.85

Delaware 347.74 346.22 348.06 62.00 64.90 68.79


Florida 460.21 479.59 481.24 65.88 68.11 69.35

Georgia 439.30 445.42 382.24 80.27 88.27 82.28

Hawaii 216.68 203.12 192.63 65.72 62.30 59.65

Idaho 207.49 213.82 216.53 74.98 79.10 81.60

Illinois 339.90 307.52 279.28 82.33 78.05 73.48

Indiana 246.48 217.38 233.33 88.07 80.03 87.66

Iowa 217.80 217.04 218.79 100.31 102.93 104.45

Kansas 238.87 195.79 218.11 98.76 83.52 96.73

Kentucky 346.71 300.54 279.78 86.68 78.51 75.59

Louisiana 625.14 637.34 564.00 80.80 86.73 80.78

Maine 181.46 190.04 181.79 72.63 79.33 77.20

Maryland 349.77 358.26 358.81 65.34 71.37 76.68

Massachusetts - - - - - -

Michigan 121.13 137.09 127.16 81.68 94.31 87.42

Minnesota 213.97 215.81 204.78 72.43 76.60 75.69

Mississippi 323.89 341.01 287.65 84.37 96.00 83.73

Missouri 278.91 250.05 216.01 90.17 85.42 76.47

Montana 185.74 350.02 240.66 60.15 105.64 73.45

Nebraska 267.25 276.79 279.68 95.24 103.99 108.04

Nevada 488.61 517.23 535.39 72.67 78.85 88.19

New Hampshire 197.24 217.61 237.17 55.48 62.60 69.62

New Jersey 311.24 339.82 354.09 63.50 67.11 70.15

New Mexico 281.83 213.93 245.84 71.27 55.02 66.02

New York 310.00 326.88 301.65 66.27 71.16 66.98

North Carolina 612.60 0.00 195.51 222.69 0.00 75.82

North Dakota 127.23 139.91 104.42 99.65 110.83 80.94

Ohio 214.30 217.34 196.55 69.60 72.83 68.97

Oklahoma 308.80 270.46 252.26 82.45 76.39 74.93

Oregon 339.47 321.45 311.66 83.43 80.50 80.73

Pennsylvania 250.86 257.45 260.47 68.02 70.20 72.12

Rhode Island 478.13 424.55 417.05 80.20 73.68 74.72

South Carolina 320.75 315.86 302.93 75.14 76.25 76.60

South Dakota 67.82 185.02 180.26 33.15 84.94 83.19

Tennessee 277.60 258.90 234.35 77.14 75.16 70.89

Texas n/a n/a n/a - - -

Utah 291.11 317.32 285.61 75.72 85.65 80.76

Vermont 165.10 203.24 164.90 63.65 82.63 68.34

Virginia 224.44 232.74 228.56 63.13 67.58 67.71

Washington 336.65 379.07 335.50 74.71 89.79 86.65

West Virginia 252.56 183.33 227.62 61.79 45.49 57.32

Wisconsin 246.64 214.90 254.67 77.47 70.19 86.16

Wyoming 133.77 240.23 371.22 52.50 95.15 149.52

Countrywide 299.64 302.83 291.99 72.57 75.02 74.29

CW w/o Texas 299.64 302.83 291.99 72.57 75.02 74.29

Table 12C



Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 164.16 155.90 167.21 41.03 40.52 47.13

Alaska 232.24 141.86 76.99 40.89 27.19 16.14

Arizona 235.50 251.01 201.08 50.65 55.67 46.49

Arkansas 141.09 110.85 107.90 46.31 38.48 39.00

California 218.35 250.98 224.23 41.42 49.81 45.48

Colorado 154.46 179.07 194.84 38.77 47.32 54.10

Connecticut 242.33 235.56 251.10 43.38 44.09 49.14

Delaware 204.52 213.52 214.19 36.46 40.03 42.33


Florida 317.07 339.21 355.47 45.39 48.17 51.23

Georgia 259.98 268.05 232.83 47.50 53.12 50.12

Hawaii 99.99 76.79 77.23 30.33 23.55 23.92

Idaho 122.43 136.69 146.01 44.24 50.57 55.02

Illinois 197.79 172.19 152.75 47.91 43.70 40.19

Indiana 160.61 134.66 149.34 57.39 49.57 56.11

Iowa 103.73 105.47 112.56 47.77 50.02 53.74

Kansas 139.24 94.43 129.40 57.57 40.28 57.39

Kentucky 214.99 179.69 168.80 53.75 46.94 45.60

Louisiana 439.53 456.09 400.18 56.81 62.06 57.32

Maine 95.17 108.18 103.95 38.09 45.16 44.15

Maryland 171.01 192.37 205.79 31.95 38.32 43.98


Michigan 102.72 118.77 107.28 69.27 81.70 73.75

Minnesota 101.27 108.46 95.83 34.28 38.50 35.42

Mississippi 198.26 218.56 180.31 51.64 61.53 52.48

Missouri 168.27 142.36 119.41 54.40 48.63 42.27

Montana 106.49 253.62 165.00 34.49 76.54 50.36

Nebraska 137.70 151.78 157.52 49.07 57.02 60.85

Nevada 333.00 371.64 407.91 49.53 56.66 67.19

New Hampshire 82.93 93.23 123.46 23.33 26.82 36.24

New Jersey 164.86 188.85 215.46 33.64 37.29 42.69

New Mexico 175.06 111.50 138.10 44.27 28.68 37.09

New York 172.21 187.78 172.31 36.82 40.88 38.26

North Carolina 210.87 0.00 24.91 76.66 0.00 9.66

North Dakota 67.33 71.21 41.21 52.74 56.41 31.94

Ohio 114.32 117.90 106.37 37.13 39.51 37.33

Oklahoma 167.40 126.42 120.90 44.70 35.71 35.91

Oregon 228.92 220.50 217.74 56.26 55.22 56.40

Pennsylvania 116.21 125.68 132.23 31.51 34.27 36.61

Rhode Island 268.69 231.43 250.36 45.07 40.16 44.85

South Carolina 188.18 193.46 191.01 44.08 46.70 48.30

South Dakota 26.78 116.63 115.53 13.09 53.54 53.32

Tennessee 148.66 139.65 124.16 41.31 40.54 37.56


Utah 153.61 182.72 171.09 39.95 49.32 48.38

Vermont 91.55 129.17 98.03 35.29 52.52 40.63

Virginia 108.54 122.66 124.64 30.53 35.62 36.92

Washington 219.59 270.16 234.64 48.73 63.99 60.60

West Virginia 153.90 90.22 126.12 37.65 22.39 31.76

Wisconsin 165.01 133.59 170.70 51.83 43.63 57.75

Wyoming 30.67 109.10 225.20 12.04 43.21 90.71

Countrywide 172.38 177.37 175.92 41.75 43.94 44.76

CW w/o Texas 172.38 177.37 175.92 41.75 43.94 44.76

Table 12C-1


Pure Premium - Bodily Injury Component Loss Ratio - Bodily Injury Component

Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 131.41 129.92 115.94 32.84 33.77 32.68

Alaska 116.36 169.54 111.62 20.48 32.50 23.39

Arizona 146.37 136.74 125.87 31.48 30.33 29.10

Arkansas 121.44 125.38 112.97 39.86 43.53 40.83

California 150.19 140.55 125.26 28.49 27.89 25.41

Colorado 138.86 133.65 118.00 34.86 35.31 32.77

Connecticut 146.90 146.78 136.51 26.29 27.47 26.71

Delaware 143.22 132.70 133.87 25.53 24.88 26.46


Florida 143.13 140.38 125.76 20.49 19.93 18.12

Georgia 179.32 177.37 149.41 32.76 35.15 32.16

Hawaii 116.69 126.33 115.40 35.39 38.75 35.74

Idaho 85.06 77.13 70.52 30.74 28.53 26.58

Illinois 142.11 135.33 126.53 34.42 34.35 33.29

Indiana 85.86 82.72 83.99 30.68 30.45 31.55

Iowa 114.07 111.57 106.23 52.54 52.91 50.72

Kansas 99.63 101.37 88.71 41.19 43.24 39.34

Kentucky 131.73 120.85 110.98 32.93 31.57 29.98

Louisiana 185.61 181.25 163.82 23.99 24.66 23.46

Maine 86.29 81.85 77.84 34.54 34.17 33.06

Maryland 178.76 165.89 153.02 33.39 33.05 32.70


Michigan 18.41 18.32 19.88 12.41 12.60 13.67

Minnesota 112.70 107.35 108.96 38.15 38.10 40.27

Mississippi 125.63 122.45 107.34 32.73 34.47 31.24

Missouri 110.64 107.69 96.60 35.77 36.79 34.20

Montana 79.25 96.40 75.65 25.66 29.10 23.09

Nebraska 129.56 125.02 122.16 46.17 46.97 47.19

Nevada 155.61 145.60 127.48 23.14 22.20 21.00

New Hampshire 114.31 124.39 113.71 32.16 35.78 33.38

New Jersey 146.37 150.97 138.63 29.86 29.81 27.46

New Mexico 106.78 102.43 107.74 27.00 26.34 28.93

New York 137.79 139.10 129.34 29.46 30.28 28.72

North Carolina 401.73 0.00 170.60 146.04 0.00 66.16

North Dakota 59.90 68.70 63.22 46.91 54.42 49.00

Ohio 99.98 99.44 90.18 32.47 33.32 31.65

Oklahoma 141.40 144.04 131.36 37.75 40.68 39.02

Oregon 110.55 100.95 93.92 27.17 25.28 24.33

Pennsylvania 134.64 131.77 128.24 36.51 35.93 35.51

Rhode Island 209.44 193.12 166.69 35.13 33.51 29.86

South Carolina 132.57 122.39 111.91 31.05 29.55 28.30

South Dakota 41.04 68.39 64.74 20.06 31.40 29.88

Tennessee 128.94 119.25 110.19 35.83 34.62 33.33


Utah 137.50 134.60 114.52 35.76 36.33 32.38

Vermont 73.55 74.07 66.86 28.35 30.11 27.71

Virginia 115.90 110.08 103.92 32.60 31.96 30.78

Washington 117.06 108.91 100.86 25.98 25.80 26.05

West Virginia 98.66 93.11 101.50 24.14 23.10 25.56

Wisconsin 81.63 81.31 83.97 25.64 26.56 28.41

Wyoming 103.10 131.14 146.02 40.47 51.94 58.81

Countrywide 127.26 125.47 116.07 30.82 31.08 29.53

CW w/o Texas 127.26 125.47 116.07 30.82 31.08 29.53

Table 12C-2


Pure Premium - Property Damage Component Loss Ratio - Property Damage Component

Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0.87 0.89 0.86 18,795.16 17,612.52 19,533.74

Alaska 1.10 0.45 0.54 21,080.69 31,445.00 14,185.88

Arizona 1.11 1.15 1.11 21,260.67 21,765.60 18,094.96

Arkansas 0.71 0.72 0.68 19,830.39 15,326.02 15,790.14

California 0.64 0.64 0.59 34,144.94 39,493.73 37,726.24

Colorado 0.65 0.66 0.61 23,933.83 27,293.06 31,759.45

Connecticut 0.98 0.92 0.86 24,756.79 25,576.20 29,073.33

Delaware 1.59 1.54 1.51 12,878.77 13,847.10 14,150.18


Florida 1.30 1.30 1.25 24,348.25 26,025.48 28,525.97

Georgia 1.83 1.83 1.64 14,169.41 14,630.65 14,224.30

Hawaii 0.30 0.35 0.42 33,588.06 21,739.50 18,288.81

Idaho 1.09 0.97 1.20 11,192.32 14,080.11 12,175.56

Illinois 0.88 0.80 0.80 22,497.82 21,639.85 19,054.69

Indiana 0.99 0.95 0.99 16,246.68 14,126.36 15,082.07

Iowa 0.53 0.49 0.52 19,458.07 21,334.83 21,672.35

Kansas 0.28 0.30 0.28 50,114.59 31,260.54 45,487.51

Kentucky 1.13 1.18 1.12 19,037.78 15,209.23 15,065.99

Louisiana 2.17 2.02 1.92 20,260.90 22,630.77 20,882.29

Maine 0.42 0.43 0.43 22,497.66 24,901.88 23,935.73

Maryland 1.74 1.70 1.68 9,834.32 11,303.46 12,222.80


Michigan 0.14 0.16 0.17 74,457.01 74,093.97 63,923.65

Minnesota 0.29 0.28 0.29 34,912.43 38,400.94 33,325.36

Mississippi 1.01 1.07 0.93 19,602.07 20,470.32 19,372.43

Missouri 0.61 0.62 0.58 27,464.47 22,846.14 20,630.38

Montana 0.41 0.62 0.45 25,671.70 40,763.12 36,838.27

Nebraska 0.68 0.69 0.64 20,352.77 22,113.30 24,459.69

Nevada 1.61 1.61 1.58 20,745.35 23,017.92 25,863.72

New Hampshire 0.47 0.48 0.53 17,695.23 19,345.72 23,314.87

New Jersey 0.47 0.43 0.44 35,279.66 43,794.13 49,307.95

New Mexico 0.95 0.81 0.83 18,340.64 13,797.68 16,734.78

New York 0.51 0.52 0.49 33,982.12 35,953.25 34,967.06

North Carolina 1.29 0.00 0.86 16,377.67 - 2,889.50

North Dakota 0.11 0.11 0.11 61,674.76 64,978.49 38,353.17

Ohio 0.83 0.86 0.79 13,843.66 13,680.24 13,419.02

Oklahoma 0.86 0.84 0.79 19,424.11 15,101.74 15,237.78

Oregon 1.68 1.77 1.79 13,599.60 12,474.16 12,194.34

Pennsylvania 0.45 0.45 0.44 25,991.60 28,155.97 30,165.52

Rhode Island 1.51 1.35 1.28 17,740.13 17,147.90 19,541.04

South Carolina 1.62 1.47 1.35 11,630.11 13,174.72 14,161.87

South Dakota 0.19 0.35 0.27 14,447.09 33,241.58 42,324.79

Tennessee 0.85 0.84 0.74 17,525.77 16,630.49 16,826.00


Utah 1.27 1.14 1.06 12,120.79 16,097.72 16,164.46

Vermont 0.53 0.55 0.60 17,187.44 23,325.08 16,347.67

Virginia 0.82 0.79 0.83 13,291.86 15,575.32 15,019.95

Washington 1.62 1.73 1.74 13,567.38 15,625.17 13,458.21

West Virginia 0.62 0.56 0.82 24,956.21 16,006.10 15,371.51

Wisconsin 0.55 0.52 0.55 30,239.57 25,838.71 30,904.38

Wyoming 0.27 0.48 0.70 11,247.62 22,816.48 32,211.55

Countrywide 0.79 0.78 0.75 21,919.90 22,821.18 23,410.74

CW w/o Texas 0.79 0.78 0.75 21,919.90 22,821.18 23,410.74

Table 12D-1


Frequency - Bodily Injury Component Severity - Bodily Injury Component

Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 3.04 3.07 3.04 4,321.80 4,236.22 3,810.23

Alaska 2.29 3.53 2.71 5,085.19 4,797.68 4,113.25

Arizona 3.37 3.42 3.37 4,343.22 3,997.13 3,736.12

Arkansas 2.84 2.96 2.85 4,280.72 4,237.06 3,960.28

California 3.44 3.49 3.50 4,369.64 4,021.52 3,579.48

Colorado 3.26 3.40 3.29 4,254.24 3,933.84 3,588.73

Connecticut 3.71 3.76 3.75 3,964.32 3,899.24 3,640.53

Delaware 3.90 3.74 3.81 3,670.95 3,545.61 3,515.21


Florida 3.69 3.84 3.74 3,877.69 3,657.39 3,365.09

Georgia 4.47 4.63 4.29 4,014.00 3,829.76 3,482.67

Hawaii 3.47 3.91 3.85 3,358.76 3,232.76 2,999.69

Idaho 2.27 2.23 2.24 3,747.51 3,457.48 3,143.60

Illinois 3.80 3.83 3.80 3,742.87 3,533.48 3,327.07

Indiana 2.23 2.38 2.38 3,841.87 3,481.67 3,525.77

Iowa 3.07 3.09 3.11 3,710.82 3,613.59 3,415.37

Kansas 2.46 2.37 2.18 4,047.51 4,282.88 4,066.59

Kentucky 3.48 3.37 3.19 3,784.30 3,585.22 3,482.49

Louisiana 4.06 4.18 4.07 4,575.72 4,335.37 4,025.97

Maine 2.60 2.63 2.63 3,322.46 3,108.65 2,958.12

Maryland 5.06 4.92 4.79 3,533.07 3,373.52 3,197.95


Michigan 0.67 0.65 0.77 2,762.12 2,816.17 2,567.94

Minnesota 3.12 3.12 3.30 3,614.38 3,445.37 3,297.22

Mississippi 2.89 2.93 2.84 4,347.25 4,176.77 3,775.11

Missouri 3.01 3.05 2.97 3,673.92 3,533.49 3,256.47

Montana 1.96 2.48 2.38 4,041.95 3,879.43 3,180.46

Nebraska 3.37 3.48 3.62 3,844.10 3,595.42 3,372.45

Nevada 3.83 3.75 3.56 4,062.97 3,886.60 3,579.39

New Hampshire 3.33 3.74 3.65 3,432.90 3,323.15 3,111.79

New Jersey 3.49 3.68 3.48 4,194.39 4,103.21 3,979.83

New Mexico 2.86 2.73 2.74 3,735.79 3,753.94 3,933.35

New York 3.41 3.57 3.46 4,041.58 3,891.40 3,734.75

North Carolina 5.58 0.00 6.47 7,200.23 - 2,638.60

North Dakota 1.68 1.94 1.79 3,562.58 3,541.93 3,531.81

Ohio 2.85 2.98 2.86 3,511.55 3,335.53 3,150.85

Oklahoma 3.28 3.50 3.40 4,311.65 4,114.00 3,867.66

Oregon 3.10 3.06 3.15 3,571.09 3,302.54 2,978.07

Pennsylvania 3.54 3.60 3.57 3,803.70 3,664.84 3,591.70

Rhode Island 4.38 4.61 4.26 4,787.11 4,188.14 3,915.05

South Carolina 3.59 3.63 3.31 3,687.75 3,372.00 3,376.71

South Dakota 1.25 1.50 1.91 3,291.57 4,555.51 3,388.23

Tennessee 3.31 3.32 3.18 3,892.46 3,594.88 3,468.24


Utah 3.59 3.56 3.23 3,834.94 3,778.98 3,542.83

Vermont 2.28 2.28 2.28 3,227.83 3,249.64 2,929.11

Virginia 3.49 3.46 3.38 3,317.91 3,184.74 3,077.11

Washington 3.02 3.09 3.06 3,877.21 3,525.68 3,294.78

West Virginia 2.57 2.69 2.96 3,845.97 3,467.81 3,434.52

Wisconsin 2.28 2.37 2.48 3,585.04 3,424.06 3,379.64

Wyoming 2.62 3.21 3.76 3,932.78 4,084.77 3,882.54

Countrywide 3.24 3.34 3.26 3,928.67 3,761.83 3,562.28

CW w/o Texas 3.24 3.34 3.26 3,928.67 3,761.83 3,562.28

Table 12D-2


Frequency - Property Damage Component Severity - Property Damage Component

Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0 0 0 0 0 0

Alaska 0 0 0 0 0 0

Arizona 0 0 0 0 0 0


California 0 0 - 0 0 -


Connecticut 0 0 0 0 0 0


District of Columbia 0 0 0 0 0 0

Florida 0 0 0 0 0 0

Georgia 0 0 0 0 0 0

Hawaii 0 -732 216,026 0 -1 221

Idaho 0 0 0 0 0 0

Illinois 0 0 0 0 0 0

Indiana 0 0 0 0 0 0

Iowa 0 0 0 0 0 0

Kansas 0 0 0 0 0 0

Kentucky 0 0 0 0 0 0


Maine 0 0 0 0 0 0

Maryland 0 0 0 0 0 0


Michigan 0 0 0 0 0 0



Missouri 0 0 0 0 0 0

Montana 0 0 0 0 0 0

Nebraska 0 0 0 0 0 0

Nevada 0 0 0 0 0 0

New Hampshire 48,636 54,482 68,352 44 51 64

New Jersey 170,034 222,660 343,535 72 112 180


New York 30,323 61,582 52,521 14 34 32


North Dakota 0 0 0 0 0 0

Ohio 0 0 0 0 0 0

Oklahoma 0 0 0 0 0 0

Oregon 0 0 0 0 0 0

Pennsylvania 60 494 494 0 2 2

Rhode Island 0 0 0 0 0 0


South Dakota 0 0 0 0 0 0



Utah 0 0 0 0 0 0

Vermont 0 0 0 0 0 0

Virginia 0 0 0 0 0 0




Wyoming 0 0 0 0 0 0

Countrywide 249,053 338,486 680,928 130 198 499

CW w/o Texas 249,053 338,486 680,928 130 198 499

Table 13A



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0 0 0 0 0 0

Alaska 0 0 0 0 0 0

Arizona 0 0 0 0 0 0


California 0 - - 0 0 -





Florida 0 0 0 0 0 0

Georgia 0 0 0 0 0 0

Hawaii 0 0 35,961 0 0 4

Idaho 0 0 0 0 0 0


Indiana 0 0 0 0 0 0

Iowa 0 0 0 0 0 0

Kansas 0 0 0 0 0 0



Maine 0 0 0 0 0 0







Montana 0 0 0 0 0 0


Nevada 0 0 0 0 0 0

New Hampshire 0 0 0 0 0 0

New Jersey 36,403 304,167 96,943 4 9 11


New York 22,995 98,333 0 1 1 0



Ohio 0 0 0 0 0 0


Oregon 0 0 0 0 0 0

Pennsylvania 0 26,337 0 0 4 0






Utah 0 0 0 0 0 0

Vermont 0 0 0 0 0 0





Wyoming 0 0 0 0 0 0

Countrywide 59,398 428,837 132,904 5 14 15

CW w/o Texas 59,398 428,837 132,904 5 14 15

Table 13B-1



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0 0 0 0 0 0

Alaska 0 0 0 0 0 0

Arizona 0 0 0 0 0 0







Florida 0 0 0 0 0 0

Georgia 0 0 0 0 0 0

Hawaii 0 0 24,979 0 0 8

Idaho 0 0 0 0 0 0


Indiana 0 0 0 0 0 0

Iowa 0 0 0 0 0 0

Kansas 0 0 0 0 0 0



Maine 0 0 0 0 0 0







Montana 0 0 0 0 0 0


Nevada 0 0 0 0 0 0

New Hampshire 0 7,826 10,886 0 5 3

New Jersey 32,677 44,388 87,998 4 6 11


New York 10,424 11,995 0 2 2 0



Ohio 0 0 0 0 0 0


Oregon 0 0 0 0 0 0







Utah 0 0 0 0 0 0

Vermont 0 0 0 0 0 0





Wyoming 0 0 0 0 0 0

Countrywide 43,101 64,209 123,863 6 13 22

CW w/o Texas 43,101 64,209 123,863 6 13 22

Table 13B-2



Residual Business




STATE 2016 2015 2014 2016 2015 2014Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut - - - - - -Delaware - - - - - -District of Columbia - - - - - -Florida - - - - - -Georgia - - - - - -Hawaii - 0.00 275.75 - 0.00 28.21Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas - - - - - -Kentucky - - - - - -Louisiana - - - - - -Maine - - - - - -Maryland - - - - - -Massachusetts - - - - - -Michigan - - - - - -Minnesota - - - - - -Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire 0.00 153.45 170.09 0.00 14.36 15.93New Jersey 959.44 3,112.10 1,027.45 40.63 156.54 53.83New Mexico - - - - - -New York 2,387.07 3,244.94 0.00 110.21 179.16 0.00North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma - - - - - -Oregon - - - - - -Pennsylvania - 13,168.50 0.00 0.00 5,331.38 0.00Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a - - -Utah - - - - - -Vermont - - - - - -Virginia - - - - - -Washington - - - - - -West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 788.45 2,490.13 514.56 41.16 145.66 37.71CW w/o Texas 788.45 2,490.13 514.56 41.16 145.66 37.71

Table 13C



Residual Business




STATE 2016 2015 2014 2016 2015 2014Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut - - - - - -Delaware - - - - - -District of Columbia - - - - - -Florida - - - - - -Georgia - - - - - -Hawaii - 0.00 162.72 - 0.00 16.65Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas - - - - - -Kentucky - - - - - -Louisiana - - - - - -Maine - - - - - -Maryland - - - - - -Massachusetts - - - - - -Michigan - - - - - -Minnesota - - - - - -Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire 0.00 0.00 0.00 0.00 0.00 0.00New Jersey 505.60 2,715.78 538.57 21.41 136.61 28.22New Mexico - - - - - -New York 1,642.50 2,892.15 0.00 75.83 159.68 0.00North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma - - - - - -Oregon - - - - - -Pennsylvania - 13,168.50 0.00 0.00 5,331.38 0.00Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a - - -Utah - - - - - -Vermont - - - - - -Virginia - - - - - -Washington - - - - - -West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 456.91 2,165.84 266.34 23.85 126.69 19.52CW w/o Texas 456.91 2,165.84 266.34 23.85 126.69 19.52

Table 13C-1



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama - - - - - -

Alaska - - - - - -

Arizona - - - - - -

Arkansas - - - - - -

California - - - - - -

Colorado - - - - - -

Connecticut - - - - - -

Delaware - - - - - -

District of Columbia - - - - - -

Florida - - - - - -

Georgia - - - - - -

Hawaii - 0.00 113.03 - 0.00 11.56

Idaho - - - - - -

Illinois - - - - - -

Indiana - - - - - -

Iowa - - - - - -

Kansas - - - - - -

Kentucky - - - - - -

Louisiana - - - - - -

Maine - - - - - -

Maryland - - - - - -


Michigan - - - - - -

Minnesota - - - - - -

Mississippi - - - - - -

Missouri - - - - - -

Montana - - - - - -

Nebraska - - - - - -

Nevada - - - - - -

New Hampshire 0.00 153.45 170.09 0.00 14.36 15.93

New Jersey 453.85 396.32 488.88 19.22 19.94 25.62

New Mexico - - - - - -

New York 744.57 352.79 0.00 34.38 19.48 0.00


North Dakota - - - - - -

Ohio - - - - - -

Oklahoma - - - - - -

Oregon - - - - - -

Pennsylvania - 0.00 0.00 0.00 0.00 0.00

Rhode Island - - - - - -

South Carolina - - - - - -

South Dakota - - - - - -

Tennessee - - - - - -


Utah - - - - - -

Vermont - - - - - -

Virginia - - - - - -

Washington - - - - - -

West Virginia - - - - - -

Wisconsin - - - - - -

Wyoming - - - - - -

Countrywide 331.55 324.29 248.22 17.31 18.97 18.19

CW w/o Texas 331.55 324.29 248.22 17.31 18.97 18.19

Table 13C-2



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama - - - - - -

Alaska - - - - - -

Arizona - - - - - -







Florida - - - - - -

Georgia - - - - - -

Hawaii - 0.00 1.81 - - 8,990.25

Idaho - - - - - -


Indiana - - - - - -

Iowa - - - - - -

Kansas - - - - - -



Maine - - - - - -







Montana - - - - - -


Nevada - - - - - -

New Hampshire 0.00 0.00 0.00 - - -

New Jersey 5.56 8.04 6.11 9,100.75 33,796.33 8,813.00


New York 7.14 2.94 0.00 22,995.00 98,333.00 -



Ohio - - - - - -


Oregon - - - - - -

Pennsylvania - 200.00 0.00 - 6,584.25 -






Utah - - - - - -

Vermont - - - - - -





Wyoming - - - - - -

Countrywide 3.85 7.07 3.01 11,879.60 30,631.21 8,860.27

CW w/o Texas 3.85 7.07 3.01 11,879.60 30,631.21 8,860.27

Table 13D-1



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama - - - - - -

Alaska - - - - - -

Arizona - - - - - -







Florida - - - - - -

Georgia - - - - - -

Hawaii - 0.00 3.62 - - 3,122.38

Idaho - - - - - -


Indiana - - - - - -

Iowa - - - - - -

Kansas - - - - - -



Maine - - - - - -







Montana - - - - - -


Nevada - - - - - -

New Hampshire 0.00 9.80 4.69 - 1,565.20 3,628.67

New Jersey 5.56 5.36 6.11 8,169.25 7,398.00 7,999.82


New York 14.29 5.88 0.00 5,212.00 5,997.50 -



Ohio - - - - - -


Oregon - - - - - -

Pennsylvania - 0.00 0.00 - - -






Utah - - - - - -

Vermont - - - - - -





Wyoming - - - - - -

Countrywide 4.62 6.57 4.41 7,183.50 4,939.15 5,630.14

CW w/o Texas 4.62 6.57 4.41 7,183.50 4,939.15 5,630.14

Table 13D-2



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 28,263,882 27,123,278 26,069,994 70,643 70,496 73,482

Alaska 670,287 693,907 703,270 1,180 1,330 1,474

Arizona 74,001,021 67,560,320 64,111,413 159,161 149,837 148,209

Arkansas 72,959,151 67,228,059 63,692,700 239,492 233,385 230,204

California 143,860,533 141,615,650 142,340,892 272,875 281,039 288,712

Colorado 71,731,492 63,104,571 58,289,307 180,048 166,747 161,858

Connecticut 190,346,102 195,546,770 199,217,166 340,710 366,012 389,849

Delaware 33,094,748 32,311,474 31,352,689 59,003 60,572 61,968


Florida 184,164,632 178,072,552 182,146,314 263,624 252,880 262,490

Georgia 163,310,865 152,305,163 140,540,038 298,394 301,833 302,535

Hawaii 12,071,657 11,813,716 11,992,922 36,613 36,235 36,690

Idaho 16,848,841 15,425,280 14,714,984 60,886 57,066 55,454

Illinois 106,600,975 101,306,919 99,002,544 258,209 257,129 260,467

Indiana 62,876,989 58,445,152 55,858,171 224,663 215,159 209,860

Iowa 26,473,979 25,550,110 25,609,958 121,928 121,167 122,266

Kansas 45,267,835 42,453,966 40,582,253 187,158 181,088 179,981

Kentucky 80,721,576 76,794,366 74,995,780 201,814 200,600 202,610

Louisiana 103,101,791 94,004,461 87,474,761 133,267 127,918 125,289

Maine 49,379,895 47,197,895 46,140,843 197,628 197,034 195,946

Maryland 89,183,113 89,279,834 89,410,600 166,596 177,861 191,073


Michigan 50,092,516 48,698,139 47,063,415 337,776 335,003 323,552

Minnesota 53,367,246 50,872,342 48,741,913 180,648 180,563 180,146

Mississippi 39,625,825 33,902,366 31,596,670 103,220 95,440 91,968

Missouri 118,936,441 110,062,466 106,345,555 384,538 376,006 376,464

Montana 8,709,570 9,000,027 9,655,831 28,205 27,163 29,470

Nebraska 17,917,490 16,480,777 15,836,975 63,853 61,920 61,179

Nevada 53,491,592 50,743,224 47,114,807 79,556 77,359 77,608

New Hampshire 29,557,322 27,970,056 26,574,768 83,050 80,359 77,866

New Jersey 654,017,502 672,059,980 682,764,049 1,334,095 1,326,818 1,352,197

New Mexico 15,080,407 14,434,472 13,852,227 38,136 37,125 37,201

New York 513,321,580 510,808,594 514,585,291 1,097,358 1,111,849 1,142,559

North Carolina 64,095 59,805 59,820 233 233 232

North Dakota 5,262,594 4,952,944 4,922,933 41,219 39,235 38,159

Ohio 155,821,001 151,737,760 147,855,321 506,062 508,442 518,872

Oklahoma 84,658,372 79,515,693 74,849,612 226,040 224,579 222,330

Oregon 48,202,261 45,879,296 43,849,273 118,458 114,897 113,578

Pennsylvania 197,542,465 201,034,528 207,391,404 535,654 548,214 574,214

Rhode Island 56,171,236 56,146,315 56,766,299 94,216 97,437 101,700

South Carolina 52,951,601 49,507,873 47,263,183 124,039 119,514 119,514

South Dakota 2,428,006 2,669,748 2,619,733 11,870 12,256 12,090

Tennessee 94,860,835 90,293,832 88,212,795 263,600 262,115 266,842


Utah 26,635,984 24,349,714 22,854,498 69,281 65,723 64,624

Vermont 16,655,306 16,877,831 17,060,936 64,205 68,619 70,704

Virginia 75,714,022 75,088,577 76,030,181 212,956 218,028 225,227

Washington 82,877,461 78,480,116 73,550,382 183,930 185,887 189,962

West Virginia 15,775,276 15,729,553 16,164,785 38,593 39,031 40,707

Wisconsin 76,141,347 72,954,164 69,893,146 239,149 238,294 236,450

Wyoming 1,214,777 1,108,847 1,029,814 4,768 4,392 4,148

Countrywide 4,109,164,762 4,006,114,732 3,955,557,299 9,950,843 9,924,140 10,062,656

CW w/o Texas 4,109,164,762 4,006,114,732 3,955,557,299 9,950,843 9,924,140 10,062,656

Table 14A



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 11,596,616 10,990,211 12,286,724 617 624 629

Alaska 274,049 188,670 113,487 13 6 8

Arizona 37,482,560 37,610,957 29,802,391 1,763 1,728 1,647

Arkansas 33,790,979 25,870,326 24,837,883 1,704 1,688 1,573

California 59,582,929 70,535,798 64,738,235 1,745 1,786 1,716

Colorado 27,811,114 29,858,604 31,537,133 1,162 1,094 993

Connecticut 82,563,902 86,217,377 97,889,912 3,335 3,371 3,367

Delaware 12,067,411 12,933,193 13,272,869 937 934 938


Florida 83,587,526 85,779,989 93,308,461 3,433 3,296 3,271

Georgia 77,577,527 80,907,475 70,438,749 5,475 5,530 4,952

Hawaii 3,661,099 2,782,656 2,852,438 109 128 158

Idaho 7,454,084 7,800,382 8,096,750 666 554 665

Illinois 51,070,061 44,275,130 39,786,199 2,270 2,046 2,088

Indiana 36,083,887 28,973,171 31,340,541 2,221 2,051 2,078

Iowa 12,647,748 12,779,566 13,761,943 650 599 635

Kansas 26,059,588 17,099,517 23,289,605 520 547 512

Kentucky 43,387,111 36,045,873 34,199,799 2,279 2,370 2,270

Louisiana 58,574,270 58,342,123 50,138,390 2,891 2,578 2,401

Maine 18,808,041 21,316,009 20,369,309 836 856 851

Maryland 28,490,025 34,215,575 39,320,745 2,897 3,027 3,217


Michigan 34,696,968 39,788,464 34,710,544 466 537 543

Minnesota 18,294,115 19,584,479 17,262,536 524 510 518

Mississippi 20,464,565 20,859,252 16,582,802 1,044 1,019 856

Missouri 64,706,297 53,528,500 44,953,603 2,356 2,343 2,179

Montana 3,003,589 6,888,967 4,862,651 117 169 132

Nebraska 8,792,397 9,398,153 9,637,118 432 425 394

Nevada 26,491,812 28,749,387 31,657,194 1,277 1,249 1,224

New Hampshire 6,883,446 7,486,794 9,605,726 389 387 412

New Jersey 219,969,809 250,850,379 291,408,339 6,238 5,730 5,919

New Mexico 6,675,992 4,139,304 5,137,576 364 300 307

New York 188,997,543 208,878,870 196,864,535 5,562 5,808 5,630

North Carolina 49,133 0 5,779 3 0 2

North Dakota 2,775,364 2,794,075 1,572,480 45 43 41

Ohio 57,852,671 59,946,815 55,192,447 4,179 4,382 4,113

Oklahoma 37,838,173 28,391,279 26,879,445 1,948 1,880 1,764

Oregon 27,117,598 25,335,022 24,730,123 1,994 2,031 2,028

Pennsylvania 62,249,873 68,924,007 75,926,608 2,395 2,451 2,517

Rhode Island 25,315,162 22,549,492 25,461,977 1,427 1,315 1,303

South Carolina 23,341,625 23,121,640 22,828,939 2,007 1,755 1,612

South Dakota 317,836 1,429,388 1,396,718 22 43 33

Tennessee 39,187,612 36,603,712 33,130,396 2,236 2,201 1,969


Utah 10,642,051 12,008,899 11,056,491 878 746 684

Vermont 5,878,103 8,863,532 6,931,413 342 380 424

Virginia 23,114,540 26,742,822 28,072,290 1,739 1,717 1,869

Washington 40,390,103 50,219,293 44,573,605 2,977 3,214 3,312

West Virginia 5,939,577 3,521,343 5,134,084 238 220 334

Wisconsin 39,462,642 31,833,292 40,361,120 1,305 1,232 1,306

Wyoming 146,219 479,146 934,135 13 21 29

Countrywide 1,715,357,024 1,760,626,112 1,770,266,041 78,258 77,144 75,627

CW w/o Texas 1,715,357,024 1,760,626,112 1,770,266,041 78,258 77,144 75,627

Table 14B-1



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 9,283,228 9,158,705 8,519,677 2,148 2,162 2,236

Alaska 137,300 225,491 164,530 27 47 40

Arizona 23,297,029 20,489,280 18,654,462 5,364 5,126 4,993

Arkansas 29,083,208 29,261,150 26,007,127 6,794 6,906 6,567

California 40,982,837 39,499,370 36,163,465 9,379 9,822 10,103

Colorado 25,002,149 22,285,201 19,099,236 5,877 5,665 5,322

Connecticut 50,049,527 53,723,691 53,217,252 12,625 13,778 14,618

Delaware 8,450,516 8,037,892 8,295,886 2,302 2,267 2,360


Florida 37,733,808 35,498,628 33,011,542 9,731 9,706 9,810

Georgia 53,506,618 53,536,170 45,201,636 13,330 13,979 12,979

Hawaii 4,272,347 4,577,593 4,233,544 1,272 1,416 1,411

Idaho 5,179,063 4,401,377 3,910,644 1,382 1,273 1,244

Illinois 36,695,065 34,797,704 32,957,993 9,804 9,848 9,906

Indiana 19,290,010 17,798,295 17,625,340 5,021 5,112 4,999

Iowa 13,908,145 13,518,436 12,988,668 3,748 3,741 3,803

Kansas 18,646,868 18,356,409 15,965,435 4,607 4,286 3,926

Kentucky 26,584,705 24,243,267 22,486,466 7,025 6,762 6,457

Louisiana 24,736,345 23,185,550 20,524,412 5,406 5,348 5,098

Maine 17,054,198 16,127,691 15,252,045 5,133 5,188 5,156

Maryland 29,780,244 29,504,795 29,238,895 8,429 8,746 9,143


Michigan 6,217,530 6,136,438 6,432,699 2,251 2,179 2,505

Minnesota 20,359,824 19,383,641 19,628,326 5,633 5,626 5,953

Mississippi 12,967,846 11,686,601 9,871,907 2,983 2,798 2,615

Missouri 42,544,010 40,490,249 36,364,987 11,580 11,459 11,167

Montana 2,235,199 2,618,612 2,229,503 553 675 701

Nebraska 8,272,504 7,740,939 7,473,348 2,152 2,153 2,216

Nevada 12,379,865 11,263,372 9,893,438 3,047 2,898 2,764

New Hampshire 9,488,544 9,997,224 8,857,716 2,764 3,011 2,846

New Jersey 195,294,077 200,338,718 187,514,038 46,557 48,820 47,105

New Mexico 4,072,008 3,802,745 4,008,081 1,090 1,013 1,019

New York 151,210,105 154,659,939 147,776,488 37,413 39,743 39,568

North Carolina 93,603 0 39,579 13 0 15

North Dakota 2,468,867 2,695,406 2,412,225 693 761 683

Ohio 50,597,980 50,560,026 46,790,120 14,409 15,158 14,850

Oklahoma 31,962,265 32,348,353 29,204,715 7,413 7,863 7,551

Oregon 13,095,177 11,598,510 10,667,446 3,667 3,512 3,582

Pennsylvania 72,121,992 72,237,622 73,637,115 18,961 19,711 20,502

Rhode Island 19,732,477 18,817,293 16,952,154 4,122 4,493 4,330

South Carolina 16,443,699 14,627,743 13,375,152 4,459 4,338 3,961

South Dakota 487,152 838,213 782,680 148 184 231

Tennessee 33,988,984 31,257,481 29,403,708 8,732 8,695 8,478


Utah 9,525,998 8,846,587 7,400,978 2,484 2,341 2,089

Vermont 4,722,320 5,082,430 4,727,589 1,463 1,564 1,614

Virginia 24,681,944 24,000,230 23,404,486 7,439 7,536 7,606

Washington 21,530,134 20,244,444 19,159,145 5,553 5,742 5,815

West Virginia 3,807,510 3,634,260 4,131,727 990 1,048 1,203

Wisconsin 19,520,539 19,376,738 19,855,370 5,445 5,659 5,875

Wyoming 491,597 575,952 605,676 125 141 156

Countrywide 1,266,400,234 1,245,183,463 1,168,022,471 322,343 331,001 327,873

CW w/o Texas 1,266,400,234 1,245,183,463 1,168,022,471 322,343 331,001 327,873

Table 14B-2



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 295.57 285.82 283.15 73.87 74.29 79.81

Alaska 348.60 311.40 188.61 61.37 59.69 39.53

Arizona 381.87 387.76 326.95 82.13 86.00 75.58

Arkansas 262.53 236.23 220.87 86.18 82.01 79.83

California 368.54 391.53 349.49 69.91 77.70 70.89

Colorado 293.33 312.71 312.84 73.63 82.63 86.87

Connecticut 389.23 382.34 387.60 69.67 71.56 75.85

Delaware 347.74 346.22 348.06 62.00 64.90 68.79


Florida 460.21 479.59 481.24 65.88 68.11 69.35

Georgia 439.30 445.42 382.24 80.27 88.27 82.28

Hawaii 216.68 203.13 193.13 65.72 62.30 59.08

Idaho 207.49 213.82 216.53 74.98 79.10 81.60

Illinois 339.90 307.52 279.28 82.33 78.05 73.48

Indiana 246.48 217.38 233.33 88.07 80.03 87.66

Iowa 217.80 217.04 218.79 100.31 102.93 104.45

Kansas 238.87 195.79 218.11 98.76 83.52 96.73

Kentucky 346.71 300.54 279.78 86.68 78.51 75.59

Louisiana 625.14 637.34 564.00 80.80 86.73 80.78

Maine 181.46 190.04 181.79 72.63 79.33 77.20

Maryland 349.77 358.26 358.81 65.34 71.37 76.68


Michigan 121.13 137.09 127.16 81.68 94.31 87.42

Minnesota 213.97 215.81 204.78 72.43 76.60 75.69

Mississippi 323.89 341.01 287.65 84.37 96.00 83.73

Missouri 278.91 250.05 216.01 90.17 85.42 76.47

Montana 185.74 350.02 240.66 60.15 105.64 73.45

Nebraska 267.25 276.79 279.68 95.24 103.99 108.04

Nevada 488.61 517.23 535.39 72.67 78.85 88.19

New Hampshire 197.13 217.57 237.12 55.39 62.51 69.48

New Jersey 311.27 340.05 354.18 63.49 67.14 70.14

New Mexico 281.83 213.93 245.84 71.27 55.02 66.02

New York 310.02 326.97 301.64 66.28 71.17 66.97

North Carolina 612.60 0.00 195.51 222.69 0.00 75.82

North Dakota 127.23 139.91 104.42 99.65 110.83 80.94

Ohio 214.30 217.34 196.55 69.60 72.83 68.97

Oklahoma 308.80 270.46 252.26 82.45 76.39 74.93

Oregon 339.47 321.45 311.66 83.43 80.50 80.73

Pennsylvania 250.86 257.49 260.47 68.02 70.22 72.12

Rhode Island 478.13 424.55 417.05 80.20 73.68 74.72

South Carolina 320.75 315.86 302.93 75.14 76.25 76.60

South Dakota 67.82 185.02 180.26 33.15 84.94 83.19

Tennessee 277.60 258.90 234.35 77.14 75.16 70.89


Utah 291.11 317.32 285.61 75.72 85.65 80.76

Vermont 165.10 203.24 164.90 63.65 82.63 68.34

Virginia 224.44 232.74 228.56 63.13 67.58 67.71

Washington 336.65 379.07 335.50 74.71 89.79 86.65

West Virginia 252.56 183.33 227.62 61.79 45.49 57.32

Wisconsin 246.64 214.90 254.67 77.47 70.19 86.16

Wyoming 133.77 240.23 371.22 52.50 95.15 149.52

Countrywide 299.65 302.88 292.00 72.56 75.03 74.28

CW w/o Texas 299.65 302.88 292.00 72.56 75.03 74.28

Table 14C



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 164.16 155.90 167.21 41.03 40.52 47.13

Alaska 232.24 141.86 76.99 40.89 27.19 16.14

Arizona 235.50 251.01 201.08 50.65 55.67 46.49

Arkansas 141.09 110.85 107.90 46.31 38.48 39.00

California 218.35 250.98 224.23 41.42 49.81 45.48

Colorado 154.46 179.07 194.84 38.77 47.32 54.10

Connecticut 242.33 235.56 251.10 43.38 44.09 49.14

Delaware 204.52 213.52 214.19 36.46 40.03 42.33


Florida 317.07 339.21 355.47 45.39 48.17 51.23

Georgia 259.98 268.05 232.83 47.50 53.12 50.12

Hawaii 99.99 76.79 77.74 30.33 23.55 23.78

Idaho 122.43 136.69 146.01 44.24 50.57 55.02

Illinois 197.79 172.19 152.75 47.91 43.70 40.19

Indiana 160.61 134.66 149.34 57.39 49.57 56.11

Iowa 103.73 105.47 112.56 47.77 50.02 53.74

Kansas 139.24 94.43 129.40 57.57 40.28 57.39

Kentucky 214.99 179.69 168.80 53.75 46.94 45.60

Louisiana 439.53 456.09 400.18 56.81 62.06 57.32

Maine 95.17 108.18 103.95 38.09 45.16 44.15

Maryland 171.01 192.37 205.79 31.95 38.32 43.98


Michigan 102.72 118.77 107.28 69.27 81.70 73.75

Minnesota 101.27 108.46 95.83 34.28 38.50 35.42

Mississippi 198.26 218.56 180.31 51.64 61.53 52.48

Missouri 168.27 142.36 119.41 54.40 48.63 42.27

Montana 106.49 253.62 165.00 34.49 76.54 50.36

Nebraska 137.70 151.78 157.52 49.07 57.02 60.85

Nevada 333.00 371.64 407.91 49.53 56.66 67.19

New Hampshire 82.88 93.17 123.36 23.29 26.77 36.15

New Jersey 164.88 189.06 215.51 33.63 37.33 42.68

New Mexico 175.06 111.50 138.10 44.27 28.68 37.09

New York 172.23 187.87 172.30 36.82 40.89 38.26

North Carolina 210.87 0.00 24.91 76.66 0.00 9.66

North Dakota 67.33 71.21 41.21 52.74 56.41 31.94

Ohio 114.32 117.90 106.37 37.13 39.51 37.33

Oklahoma 167.40 126.42 120.90 44.70 35.71 35.91

Oregon 228.92 220.50 217.74 56.26 55.22 56.40

Pennsylvania 116.21 125.72 132.23 31.51 34.28 36.61

Rhode Island 268.69 231.43 250.36 45.07 40.16 44.85

South Carolina 188.18 193.46 191.01 44.08 46.70 48.30

South Dakota 26.78 116.63 115.53 13.09 53.54 53.32

Tennessee 148.66 139.65 124.16 41.31 40.54 37.56


Utah 153.61 182.72 171.09 39.95 49.32 48.38

Vermont 91.55 129.17 98.03 35.29 52.52 40.63

Virginia 108.54 122.66 124.64 30.53 35.62 36.92

Washington 219.59 270.16 234.64 48.73 63.99 60.60

West Virginia 153.90 90.22 126.12 37.65 22.39 31.76

Wisconsin 165.01 133.59 170.70 51.83 43.63 57.75

Wyoming 30.67 109.10 225.20 12.04 43.21 90.71

Countrywide 172.38 177.41 175.92 41.74 43.95 44.75

CW w/o Texas 172.38 177.41 175.92 41.74 43.95 44.75

Table 14C-1



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 131.41 129.92 115.94 32.84 33.77 32.68

Alaska 116.36 169.54 111.62 20.48 32.50 23.39

Arizona 146.37 136.74 125.87 31.48 30.33 29.10

Arkansas 121.44 125.38 112.97 39.86 43.53 40.83

California 150.19 140.55 125.26 28.49 27.89 25.41

Colorado 138.86 133.65 118.00 34.86 35.31 32.77

Connecticut 146.90 146.78 136.51 26.29 27.47 26.71

Delaware 143.22 132.70 133.87 25.53 24.88 26.46


Florida 143.13 140.38 125.76 20.49 19.93 18.12

Georgia 179.32 177.37 149.41 32.76 35.15 32.16

Hawaii 116.69 126.33 115.39 35.39 38.75 35.30

Idaho 85.06 77.13 70.52 30.74 28.53 26.58

Illinois 142.11 135.33 126.53 34.42 34.35 33.29

Indiana 85.86 82.72 83.99 30.68 30.45 31.55

Iowa 114.07 111.57 106.23 52.54 52.91 50.72

Kansas 99.63 101.37 88.71 41.19 43.24 39.34

Kentucky 131.73 120.85 110.98 32.93 31.57 29.98

Louisiana 185.61 181.25 163.82 23.99 24.66 23.46

Maine 86.29 81.85 77.84 34.54 34.17 33.06

Maryland 178.76 165.89 153.02 33.39 33.05 32.70


Michigan 18.41 18.32 19.88 12.41 12.60 13.67

Minnesota 112.70 107.35 108.96 38.15 38.10 40.27

Mississippi 125.63 122.45 107.34 32.73 34.47 31.24

Missouri 110.64 107.69 96.60 35.77 36.79 34.20

Montana 79.25 96.40 75.65 25.66 29.10 23.09

Nebraska 129.56 125.02 122.16 46.17 46.97 47.19

Nevada 155.61 145.60 127.48 23.14 22.20 21.00

New Hampshire 114.25 124.41 113.76 32.10 35.74 33.33

New Jersey 146.39 150.99 138.67 29.86 29.81 27.46

New Mexico 106.78 102.43 107.74 27.00 26.34 28.93

New York 137.79 139.10 129.34 29.46 30.28 28.72

North Carolina 401.73 0.00 170.60 146.04 0.00 66.16

North Dakota 59.90 68.70 63.22 46.91 54.42 49.00

Ohio 99.98 99.44 90.18 32.47 33.32 31.65

Oklahoma 141.40 144.04 131.36 37.75 40.68 39.02

Oregon 110.55 100.95 93.92 27.17 25.28 24.33

Pennsylvania 134.64 131.77 128.24 36.51 35.93 35.51

Rhode Island 209.44 193.12 166.69 35.13 33.51 29.86

South Carolina 132.57 122.39 111.91 31.05 29.55 28.30

South Dakota 41.04 68.39 64.74 20.06 31.40 29.88

Tennessee 128.94 119.25 110.19 35.83 34.62 33.33


Utah 137.50 134.60 114.52 35.76 36.33 32.38

Vermont 73.55 74.07 66.86 28.35 30.11 27.71

Virginia 115.90 110.08 103.92 32.60 31.96 30.78

Washington 117.06 108.91 100.86 25.98 25.80 26.05

West Virginia 98.66 93.11 101.50 24.14 23.10 25.56

Wisconsin 81.63 81.31 83.97 25.64 26.56 28.41

Wyoming 103.10 131.14 146.02 40.47 51.94 58.81

Countrywide 127.27 125.47 116.07 30.82 31.08 29.53

CW w/o Texas 127.27 125.47 116.07 30.82 31.08 29.53

Table 14C-2



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0.87 0.89 0.86 18,795.16 17,612.52 19,533.74

Alaska 1.10 0.45 0.54 21,080.69 31,445.00 14,185.88

Arizona 1.11 1.15 1.11 21,260.67 21,765.60 18,094.96

Arkansas 0.71 0.72 0.68 19,830.39 15,326.02 15,790.14

California 0.64 0.64 0.59 34,144.94 39,493.73 37,726.24

Colorado 0.65 0.66 0.61 23,933.83 27,293.06 31,759.45

Connecticut 0.98 0.92 0.86 24,756.79 25,576.20 29,073.33

Delaware 1.59 1.54 1.51 12,878.77 13,847.10 14,150.18


Florida 1.30 1.30 1.25 24,348.25 26,025.48 28,525.97

Georgia 1.83 1.83 1.64 14,169.41 14,630.65 14,224.30

Hawaii 0.30 0.35 0.43 33,588.06 21,739.50 18,053.41

Idaho 1.09 0.97 1.20 11,192.32 14,080.11 12,175.56

Illinois 0.88 0.80 0.80 22,497.82 21,639.85 19,054.69

Indiana 0.99 0.95 0.99 16,246.68 14,126.36 15,082.07

Iowa 0.53 0.49 0.52 19,458.07 21,334.83 21,672.35

Kansas 0.28 0.30 0.28 50,114.59 31,260.54 45,487.51

Kentucky 1.13 1.18 1.12 19,037.78 15,209.23 15,065.99

Louisiana 2.17 2.02 1.92 20,260.90 22,630.77 20,882.29

Maine 0.42 0.43 0.43 22,497.66 24,901.88 23,935.73

Maryland 1.74 1.70 1.68 9,834.32 11,303.46 12,222.80


Michigan 0.14 0.16 0.17 74,457.01 74,093.97 63,923.65

Minnesota 0.29 0.28 0.29 34,912.43 38,400.94 33,325.36

Mississippi 1.01 1.07 0.93 19,602.07 20,470.32 19,372.43

Missouri 0.61 0.62 0.58 27,464.47 22,846.14 20,630.38

Montana 0.41 0.62 0.45 25,671.70 40,763.12 36,838.27

Nebraska 0.68 0.69 0.64 20,352.77 22,113.30 24,459.69

Nevada 1.61 1.61 1.58 20,745.35 23,017.92 25,863.72

New Hampshire 0.47 0.48 0.53 17,695.23 19,345.72 23,314.87

New Jersey 0.47 0.43 0.44 35,262.87 43,778.43 49,232.70

New Mexico 0.95 0.81 0.83 18,340.64 13,797.68 16,734.78

New York 0.51 0.52 0.49 33,980.14 35,963.99 34,967.06

North Carolina 1.29 0.00 0.86 16,377.67 - 2,889.50

North Dakota 0.11 0.11 0.11 61,674.76 64,978.49 38,353.17

Ohio 0.83 0.86 0.79 13,843.66 13,680.24 13,419.02

Oklahoma 0.86 0.84 0.79 19,424.11 15,101.74 15,237.78

Oregon 1.68 1.77 1.79 13,599.60 12,474.16 12,194.34

Pennsylvania 0.45 0.45 0.44 25,991.60 28,120.77 30,165.52

Rhode Island 1.51 1.35 1.28 17,740.13 17,147.90 19,541.04

South Carolina 1.62 1.47 1.35 11,630.11 13,174.72 14,161.87

South Dakota 0.19 0.35 0.27 14,447.09 33,241.58 42,324.79

Tennessee 0.85 0.84 0.74 17,525.77 16,630.49 16,826.00


Utah 1.27 1.14 1.06 12,120.79 16,097.72 16,164.46

Vermont 0.53 0.55 0.60 17,187.44 23,325.08 16,347.67

Virginia 0.82 0.79 0.83 13,291.86 15,575.32 15,019.95

Washington 1.62 1.73 1.74 13,567.38 15,625.17 13,458.21

West Virginia 0.62 0.56 0.82 24,956.21 16,006.10 15,371.51

Wisconsin 0.55 0.52 0.55 30,239.57 25,838.71 30,904.38

Wyoming 0.27 0.48 0.70 11,247.62 22,816.48 32,211.55

Countrywide 0.79 0.78 0.75 21,919.25 22,822.59 23,407.86

CW w/o Texas 0.79 0.78 0.75 21,919.25 22,822.59 23,407.86

Table 14D-1



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 3.04 3.07 3.04 4,321.80 4,236.22 3,810.23

Alaska 2.29 3.53 2.71 5,085.19 4,797.68 4,113.25

Arizona 3.37 3.42 3.37 4,343.22 3,997.13 3,736.12

Arkansas 2.84 2.96 2.85 4,280.72 4,237.06 3,960.28

California 3.44 3.49 3.50 4,369.64 4,021.52 3,579.48

Colorado 3.26 3.40 3.29 4,254.24 3,933.84 3,588.73

Connecticut 3.71 3.76 3.75 3,964.32 3,899.24 3,640.53

Delaware 3.90 3.74 3.81 3,670.95 3,545.61 3,515.21


Florida 3.69 3.84 3.74 3,877.69 3,657.39 3,365.09

Georgia 4.47 4.63 4.29 4,014.00 3,829.76 3,482.67

Hawaii 3.47 3.91 3.85 3,358.76 3,232.76 3,000.39

Idaho 2.27 2.23 2.24 3,747.51 3,457.48 3,143.60

Illinois 3.80 3.83 3.80 3,742.87 3,533.48 3,327.07

Indiana 2.23 2.38 2.38 3,841.87 3,481.67 3,525.77

Iowa 3.07 3.09 3.11 3,710.82 3,613.59 3,415.37

Kansas 2.46 2.37 2.18 4,047.51 4,282.88 4,066.59

Kentucky 3.48 3.37 3.19 3,784.30 3,585.22 3,482.49

Louisiana 4.06 4.18 4.07 4,575.72 4,335.37 4,025.97

Maine 2.60 2.63 2.63 3,322.46 3,108.65 2,958.12

Maryland 5.06 4.92 4.79 3,533.07 3,373.52 3,197.95


Michigan 0.67 0.65 0.77 2,762.12 2,816.17 2,567.94

Minnesota 3.12 3.12 3.30 3,614.38 3,445.37 3,297.22

Mississippi 2.89 2.93 2.84 4,347.25 4,176.77 3,775.11

Missouri 3.01 3.05 2.97 3,673.92 3,533.49 3,256.47

Montana 1.96 2.48 2.38 4,041.95 3,879.43 3,180.46

Nebraska 3.37 3.48 3.62 3,844.10 3,595.42 3,372.45

Nevada 3.83 3.75 3.56 4,062.97 3,886.60 3,579.39

New Hampshire 3.33 3.75 3.65 3,432.90 3,320.23 3,112.34

New Jersey 3.49 3.68 3.48 4,194.73 4,103.62 3,980.77

New Mexico 2.86 2.73 2.74 3,735.79 3,753.94 3,933.35

New York 3.41 3.57 3.46 4,041.65 3,891.50 3,734.75

North Carolina 5.58 0.00 6.47 7,200.23 - 2,638.60

North Dakota 1.68 1.94 1.79 3,562.58 3,541.93 3,531.81

Ohio 2.85 2.98 2.86 3,511.55 3,335.53 3,150.85

Oklahoma 3.28 3.50 3.40 4,311.65 4,114.00 3,867.66

Oregon 3.10 3.06 3.15 3,571.09 3,302.54 2,978.07

Pennsylvania 3.54 3.60 3.57 3,803.70 3,664.84 3,591.70

Rhode Island 4.38 4.61 4.26 4,787.11 4,188.14 3,915.05

South Carolina 3.59 3.63 3.31 3,687.75 3,372.00 3,376.71

South Dakota 1.25 1.50 1.91 3,291.57 4,555.51 3,388.23

Tennessee 3.31 3.32 3.18 3,892.46 3,594.88 3,468.24


Utah 3.59 3.56 3.23 3,834.94 3,778.98 3,542.83

Vermont 2.28 2.28 2.28 3,227.83 3,249.64 2,929.11

Virginia 3.49 3.46 3.38 3,317.91 3,184.74 3,077.11

Washington 3.02 3.09 3.06 3,877.21 3,525.68 3,294.78

West Virginia 2.57 2.69 2.96 3,845.97 3,467.81 3,434.52

Wisconsin 2.28 2.37 2.48 3,585.04 3,424.06 3,379.64

Wyoming 2.62 3.21 3.76 3,932.78 4,084.77 3,882.54

Countrywide 3.24 3.34 3.26 3,928.74 3,761.87 3,562.42

CW w/o Texas 3.24 3.34 3.26 3,928.74 3,761.87 3,562.42

Table 14D-2



Total Business



Personal Injury Protection





Personal Injury Protection

States with no-fault auto laws restrict the right to sue for damages for auto injuries below a specified injury threshold. Instead, a person injured in an accident receives benefits for economic damages from the insurer of the vehicle in which he or she was traveling, without regard to fault. In these states, personal injury protection (PIP) replaces the more limited medical payments coverage. The PIP coverage provides reimbursement for medical expenses, work loss or income continuation benefits, funeral expenses, survivors’ benefits, and the cost of rehabilitation and replacement services necessitated by the injury. A few of the states have “choice” no-fault laws. In these states, policyholders can choose to operate

under a no-fault plan, in which case they collect benefits from their own insurer without regard to fault. When policyholders choose to limit their right to file a liability claim or lawsuit, their liability premiums are reduced. Still other states have laws that require auto insurers to offer PIP benefits, but do not restrict the right to pursue a liability claim or lawsuit, as well. In these states, PIP is “added on” to the existing tort liability system, sometimes in the form of separate packages of PIP coverages similar to those sold in no-fault states, and sometimes by simply offering to add some wage replacement benefits to the medical and funeral benefit in medical payments coverage.

Personal Injury Protection State-Specific Information and Technical Notes

Personal Injury Protection Data

Illinois—PIP data are included in other liability, which is not reported separately in this publication. South Carolina—PIP data are included in other liability, which is not reported separately in this publication. PIP is an optional coverage some companies make available to insureds.

Personal Injury Protection—Requirements Arkansas – PIP may be rejected by the insured. Florida—Florida requires PIP coverage, but does not require bodily injury liability. Maryland – PIP may be rejected for self and family members 16 years of age and older. Massachusetts—Insured can choose to have a deductible of up to $8,000 for him/herself and family members. This would in effect eliminate the $8,000 PIP coverage.

Michigan—PIP provides unlimited medical benefits. Minnesota—Requires PIP with $20,000 medical benefit; $20,000 non-medical benefit. New Jersey—The minimum bodily injury limits for New Jersey are 15/30 with a standard $250,000 PIP benefit. This is the coverage most insureds purchase; however, a new “basic” policy was introduced in March 1999, whereby an insured can purchase $15,000 of PIP benefits and no bodily injury liability or BI limits of 10/10. On Oct. 1, 2003, the Special Automobile Insurance Policy (SAIP) was introduced, wherein only insureds who are enrolled in the federal Medicaid program may purchase a policy. The policy provides $250,000 per person, per accident, maximum medical coverage for emergency care only, plus a $10,000 death benefit, and out-of-state liability coverage.



Oregon—There is a $15,000 minimum for PIP. Pennsylvania—Mandatory first-party medical benefits law. It is similar to PIP, but is titled Medical Benefits. Utah – There is a $3,000 minimum for PIP. Washington—PIP may be rejected by the insured.

PIP Calculations—Loss Experience Results Texas—Earned exposure and incurred claims data are not available, as indicated by “n/a.” Because the results for pure premium, frequency and severity are calculated using earned exposures and incurred claims, there are no data in these columns for Texas.

PIP Loss Development Incurred losses are developed to 63 months. Except: Texas—PIP incurred losses are developed to 51 months. No-fault states are:

District of Columbia** Florida Hawaii Kansas Kentucky* Massachusetts Michigan Minnesota New Jersey* New York North Dakota Pennsylvania* Utah

*Denotes Choice – Under a choice system, drivers choose whether they want to be insured under a pure no-fault plan or retain some traditional tort rights similar to modified no-fault.

**The District of Columbia is neither a true no-fault nor add-on state. Drivers are offered the option of no-fault or fault-based coverage, but in the event of an accident a driver who originally chose no-fault

benefits has 60 days to decide whether to receive those benefits or file a claim against the other party. Add-on states are:

Arkansas Delaware Maryland New Hampshire Oregon South Dakota Texas Washington Wisconsin

Drivers receive compensation from their own insurance company as they do in no-fault states. In an “add-on” state there are no restrictions on lawsuits.

First party benefits have been added on to the traditional tort liability system in an “add-on” state. First-party coverage may not be mandatory in an “add-on” state and the benefits may be lower than benefits in true no-fault states.




STATE 2016 2015 2014 2016 2015 2014

Alabama 0 0 0 0 0 0

Alaska 0 0 0 0 0 0

Arizona 0 0 0 0 0 0

Arkansas 6,422 7,274 7,935 664 686 719

California 0 - - 0 - -


Connecticut 5,048,803 5,132,166 5,288,398 156,632 140,160 170,632

Delaware 131,744,192 128,739,876 127,158,534 665,932 649,580 634,817


Florida 3,269,401,825 2,973,241,742 3,014,553,926 13,070,937 12,570,854 12,034,957

Georgia 0 0 0 0 0 0

Hawaii 78,339,430 76,970,156 75,628,454 870,666 853,021 829,569

Idaho 0 0 0 0 0 0


Indiana 0 0 0 0 0 0

Iowa 0 0 0 0 0 0

Kansas 115,211,215 114,557,113 114,699,629 2,215,167 2,172,917 2,153,386

Kentucky 318,843,057 308,588,229 299,616,811 3,148,974 3,119,185 3,072,733


Maine 0 0 0 0 0 0

Maryland 295,041,041 288,290,268 283,195,045 4,104,635 4,037,905 3,991,380

Massachusetts 239,353,524 229,698,093 222,504,905 4,282,490 4,207,614 4,134,337

Michigan 3,363,893,271 3,339,349,708 3,246,145,529 5,772,653 5,686,211 5,633,395

Minnesota 597,385,223 587,044,719 578,516,183 3,978,221 3,876,774 3,816,272



Montana 0 0 0 0 0 0


Nevada 0 0 0 0 0 0


New Jersey 1,626,254,564 1,614,751,660 1,639,473,604 5,520,130 5,415,481 5,343,307


New York 2,332,973,356 2,271,087,435 2,263,644,580 9,510,555 9,396,058 9,297,075


North Dakota 36,169,774 37,063,343 36,415,218 565,110 561,582 549,941

Ohio 0 0 0 0 0 0


Oregon 319,728,439 299,001,824 297,837,097 2,763,637 2,716,263 2,659,768

Pennsylvania 655,688,744 654,451,568 664,503,207 8,509,452 8,397,598 8,336,938





Texas 474,272,039 458,032,922 446,918,184 n/a n/a n/a

Utah 79,593,035 75,975,231 73,934,959 1,823,148 1,764,204 1,723,793

Vermont 0 0 0 0 0 0


Washington 316,704,227 306,076,096 304,366,816 3,315,821 3,245,943 3,208,519



Wyoming 0 0 0 0 0 0

Countrywide 14,261,637,093 13,773,942,530 13,700,279,246 70,440,466 68,975,498 67,752,640

CW w/o Texas 13,787,365,054 13,315,909,608 13,253,361,062 70,440,466 68,975,498 67,752,640

Table 15A

Personal Injury Protection 2014-2016


Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0 0 0 0 0 0

Alaska 0 0 0 0 0 0

Arizona 0 0 0 0 0 0

Arkansas 10,864 6,850 0 2 1 0

California 0 - - 0 - -


Connecticut 4,096,142 3,863,774 4,183,898 843 802 782

Delaware 105,384,337 107,654,888 97,000,754 14,926 13,714 11,979


Florida 2,773,653,900 2,588,592,683 2,228,818,495 383,762 382,465 335,361

Georgia 0 0 0 0 0 0

Hawaii 48,685,529 49,169,227 47,195,875 9,177 9,217 9,097

Idaho 0 0 0 0 0 0


Indiana 0 0 0 0 0 0

Iowa 0 0 0 0 0 0

Kansas 74,867,956 73,357,594 69,806,674 19,159 17,604 16,819

Kentucky 239,308,500 234,318,657 224,282,135 46,564 55,816 57,884


Maine 0 0 0 0 0 0

Maryland 233,744,477 226,303,424 214,595,197 90,897 87,921 82,703

Massachusetts 159,417,953 142,580,682 134,321,205 42,007 37,084 35,833

Michigan 3,837,608,895 3,113,223,851 2,341,282,983 43,427 45,498 45,837

Minnesota 416,215,007 398,971,118 389,467,200 44,170 42,291 43,981



Montana 0 0 0 0 0 0


Nevada 0 0 0 0 0 0


New Jersey 1,257,916,125 1,205,392,926 1,158,215,812 90,571 94,652 90,174


New York 1,818,054,205 1,742,407,528 1,650,676,661 188,642 190,844 186,020


North Dakota 23,242,022 24,669,721 23,341,867 3,318 3,355 3,379

Ohio 0 0 0 0 0 0


Oregon 220,093,210 215,007,482 193,320,752 44,462 40,566 39,011

Pennsylvania 469,886,179 472,994,550 474,577,174 126,655 127,173 124,158





Texas 320,712,874 304,277,579 283,876,389 n/a n/a n/a

Utah 60,617,072 55,603,012 51,107,926 23,233 20,272 19,509

Vermont 0 0 0 0 0 0


Washington 249,944,096 237,570,595 229,002,080 48,600 43,974 44,629



Wyoming 0 0 0 0 0 0

Countrywide 12,317,601,385 11,199,787,724 9,818,523,970 1,221,141 1,213,897 1,147,751

CW w/o Texas 11,996,888,511 10,895,510,145 9,534,647,581 1,221,141 1,213,897 1,147,751

Table 15B



Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama - - - - - -

Alaska - - - - - -

Arizona - - - - - -

Arkansas 16.36 9.99 0.00 169.17 94.17 0.00



Connecticut 26.15 27.57 24.52 81.13 75.29 79.11

Delaware 158.25 165.73 152.80 79.99 83.62 76.28


Florida 212.20 205.92 185.20 84.84 87.06 73.94

Georgia - - - - - -

Hawaii 55.92 57.64 56.89 62.15 63.88 62.40

Idaho - - - - - -


Indiana - - - - - -

Iowa - - - - - -

Kansas 33.80 33.76 32.42 64.98 64.04 60.86

Kentucky 76.00 75.12 72.99 75.06 75.93 74.86


Maine - - - - - -

Maryland 56.95 56.04 53.76 79.22 78.50 75.78

Massachusetts 37.23 33.89 32.49 66.60 62.07 60.37

Michigan 664.79 547.50 415.61 114.08 93.23 72.13

Minnesota 104.62 102.91 102.05 69.67 67.96 67.32



Montana - - - - - -


Nevada - - - - - -

New Hampshire - - - - - -

New Jersey 227.88 222.58 216.76 77.35 74.65 70.65


New York 191.16 185.44 177.55 77.93 76.72 72.92


North Dakota 41.13 43.93 42.44 64.26 66.56 64.10

Ohio - - - - - -


Oregon 79.64 79.16 72.68 68.84 71.91 64.91

Pennsylvania 55.22 56.32 56.92 71.66 72.27 71.42





Texas n/a n/a n/a 67.62 66.43 63.52

Utah 33.25 31.52 29.65 76.16 73.19 69.13

Vermont - - - - - -


Washington 75.38 73.19 71.37 78.92 77.62 75.24



Wyoming - - - - - -

Countrywide 174.87 162.37 144.92 86.37 81.31 71.67

CW w/o Texas 170.31 157.96 140.73 87.01 81.82 71.94

Table 15C



Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama - - - - - -

Alaska - - - - - -

Arizona - - - - - -

Arkansas 0.30 0.15 0.00 5,432.00 6,850.00 -



Connecticut 0.54 0.57 0.46 4,859.01 4,817.67 5,350.25

Delaware 2.24 2.11 1.89 7,060.45 7,850.00 8,097.57


Florida 2.94 3.04 2.79 7,227.54 6,768.18 6,646.03

Georgia - - - - - -

Hawaii 1.05 1.08 1.10 5,305.17 5,334.62 5,188.07

Idaho - - - - - -


Indiana - - - - - -

Iowa - - - - - -

Kansas 0.86 0.81 0.78 3,907.72 4,167.10 4,150.47

Kentucky 1.48 1.79 1.88 5,139.35 4,198.06 3,874.68


Maine - - - - - -

Maryland 2.21 2.18 2.07 2,571.53 2,573.94 2,594.77

Massachusetts 0.98 0.88 0.87 3,795.03 3,844.80 3,748.53

Michigan 0.75 0.80 0.81 88,369.19 68,425.51 51,078.45

Minnesota 1.11 1.09 1.15 9,423.02 9,433.95 8,855.35



Montana - - - - - -


Nevada - - - - - -


New Jersey 1.64 1.75 1.69 13,888.73 12,735.00 12,844.23


New York 1.98 2.03 2.00 9,637.59 9,130.01 8,873.65


North Dakota 0.59 0.60 0.61 7,004.83 7,353.12 6,907.92

Ohio - - - - - -


Oregon 1.61 1.49 1.47 4,950.14 5,300.19 4,955.54

Pennsylvania 1.49 1.51 1.49 3,709.97 3,719.30 3,822.36






Utah 1.27 1.15 1.13 2,609.09 2,742.85 2,619.71

Vermont - - - - - -


Washington 1.47 1.35 1.39 5,142.88 5,402.52 5,131.24



Wyoming - - - - - -

Countrywide 1.73 1.76 1.69 10,086.96 9,226.31 8,554.58

CW w/o Texas 1.73 1.76 1.69 9,824.33 8,975.65 8,307.24

Table 15D


Frequency Severity

Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0 0 0 0 0 0

Alaska 0 0 0 0 0 0

Arizona 0 0 0 0 0 0




Connecticut 504 590 901 0 0 1

Delaware 3,075 2,954 184 3 3 0


Florida 389,276 347,492 1,209,739 99 119 744

Georgia 0 0 0 0 0 0

Hawaii 31,867 38,025 42,299 90 115 137

Idaho 0 0 0 0 0 0


Indiana 0 0 0 0 0 0

Iowa 0 0 0 0 0 0

Kansas 111,451 134,516 151,343 1,512 1,653 1,783

Kentucky 167,326 135,867 129,821 351 289 301


Maine 0 0 0 0 0 0

Maryland 7,100,809 6,930,959 6,213,251 43,007 43,856 40,820

Massachusetts 9,748,229 9,506,392 11,842,713 53,820 54,281 69,509

Michigan 8,168,442 7,693,179 10,744,287 3,834 3,904 5,439

Minnesota 5,200 1,612 1,606 3 1 4



Montana 0 0 0 0 0 0


Nevada 0 0 0 0 0 0


New Jersey 9,404,720 8,705,904 11,897,553 9,638 9,733 13,313


New York 34,096,899 33,896,742 39,440,188 38,684 39,949 44,970


North Dakota 378 1,600 1,319 0 3 5

Ohio 0 0 0 0 0 0


Oregon 2,370 1,432 63 2 3 0

Pennsylvania 761,222 876,142 949,247 5,917 6,504 6,943





Texas 35,074 36,901 48,167 n/a n/a n/a

Utah 214 402 358 2 4 4

Vermont 0 0 0 0 0 0


Washington 422 664 0 1 1 0



Wyoming 0 0 0 0 0 0

Countrywide 70,031,066 68,314,281 82,677,380 156,986 160,434 183,995

CW w/o Texas 69,995,992 68,277,380 82,629,213 156,986 160,434 183,995

Table 16A



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0 0 0 0 0 0

Alaska 0 0 0 0 0 0

Arizona 0 0 0 0 0 0






District of Columbia 8,130 4,734 0 2 1 0

Florida 51,606 251,273 3,421,004 1 20 397

Georgia 0 0 0 0 0 0

Hawaii 0 14,880 0 0 2 0

Idaho 0 0 0 0 0 0


Indiana 0 0 0 0 0 0

Iowa 0 0 0 0 0 0

Kansas 88,230 98,101 114,173 32 21 36

Kentucky 454,067 207,420 218,386 69 49 40


Maine 0 0 0 0 0 0

Maryland 7,338,301 7,522,778 6,072,915 2,936 3,130 2,490

Massachusetts 7,496,834 7,095,572 8,475,556 1,871 1,823 2,163

Michigan 9,879,020 10,438,192 6,669,788 131 140 109




Montana 0 0 0 0 0 0


Nevada 0 0 0 0 0 0


New Jersey 6,138,846 5,856,623 10,716,223 653 745 703


New York 40,331,210 33,177,676 35,714,675 2,761 1,968 2,203



Ohio 0 0 0 0 0 0


Oregon 0 0 0 0 0 0

Pennsylvania 949,137 1,064,862 1,320,214 205 226 267





Texas 13,780 18,008 12,715 n/a n/a n/a

Utah 0 0 0 0 0 0

Vermont 0 0 0 0 0 0





Wyoming 0 0 0 0 0 0

Countrywide 72,749,395 65,750,119 72,735,649 8,662 8,125 8,408

CW w/o Texas 72,735,615 65,732,111 72,722,934 8,662 8,125 8,408

Table 16B



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama - - - - - -

Alaska - - - - - -

Arizona - - - - - -




Connecticut - - 0.00 0.00 0.00 0.00

Delaware 0.00 0.00 - 0.00 0.00 0.00


Florida 521.27 2,111.54 4,598.12 13.26 72.31 282.79

Georgia - - - - - -

Hawaii 0.00 129.39 0.00 0.00 39.13 0.00

Idaho - - - - - -


Indiana - - - - - -

Iowa - - - - - -

Kansas 58.35 59.35 64.03 79.16 72.93 75.44

Kentucky 1,293.64 717.72 725.53 271.37 152.66 168.22


Maine - - - - - -

Maryland 170.63 171.53 148.77 103.34 108.54 97.74

Massachusetts 139.29 130.72 121.93 76.90 74.64 71.57

Michigan 2,576.69 2,673.72 1,226.29 120.94 135.68 62.08

Minnesota 0.00 0.00 0.00 0.00 0.00 0.00



Montana - - - - - -


Nevada - - - - - -


New Jersey 636.94 601.73 804.94 65.27 67.27 90.07


New York 1,042.58 830.50 794.19 118.28 97.88 90.55


North Dakota - 0.00 0.00 61.90 0.00 0.00

Ohio - - - - - -


Oregon 0.00 0.00 - 0.00 0.00 0.00

Pennsylvania 160.41 163.72 190.15 124.69 121.54 139.08





Texas n/a n/a n/a 39.29 48.80 26.40

Utah 0.00 0.00 0.00 0.00 0.00 0.00

Vermont - - - - - -


Washington 0.00 0.00 - 0.00 0.00 -



Wyoming - - - - - -

Countrywide 463.41 409.83 395.31 103.88 96.25 87.98

CW w/o Texas 463.33 409.71 395.24 103.91 96.27 88.01

Table 16C



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama - - - - - -

Alaska - - - - - -

Arizona - - - - - -




Connecticut - - 0.00 - - -

Delaware 0.00 0.00 - - - -

District of Columbia 8.70 6.25 0.00 4,065.00 4,734.00 -

Florida 1.01 16.81 53.36 51,606.00 12,563.65 8,617.14

Georgia - - - - - -

Hawaii 0.00 1.74 0.00 - 7,440.00 -

Idaho - - - - - -


Indiana - - - - - -

Iowa - - - - - -

Kansas 2.12 1.27 2.02 2,757.19 4,671.48 3,171.47

Kentucky 19.66 16.96 13.29 6,580.68 4,233.06 5,459.65


Maine - - - - - -

Maryland 6.83 7.14 6.10 2,499.42 2,403.44 2,438.92

Massachusetts 3.48 3.36 3.11 4,006.86 3,892.25 3,918.43

Michigan 3.42 3.59 2.00 75,412.37 74,558.51 61,190.72

Minnesota 0.00 0.00 0.00 - - -



Montana - - - - - -


Nevada - - - - - -


New Jersey 6.78 7.65 5.28 9,400.99 7,861.24 15,243.56


New York 7.14 4.93 4.90 14,607.46 16,858.58 16,211.84


North Dakota - 0.00 0.00 234.00 - -

Ohio - - - - - -


Oregon 0.00 0.00 - - - -

Pennsylvania 3.46 3.47 3.85 4,629.94 4,711.78 4,944.62






Utah 0.00 0.00 0.00 - - -

Vermont - - - - - -


Washington 0.00 0.00 - - - -



Wyoming - - - - - -

Countrywide 5.52 5.06 4.57 8,398.68 8,092.32 8,650.77

CW w/o Texas 5.52 5.06 4.57 8,397.09 8,090.11 8,649.25

Table 16D


Frequency Severity

Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0 0 0 0 0 0

Alaska 0 0 0 0 0 0

Arizona 0 0 0 0 0 0

Arkansas 6,422 7,274 7,935 664 686 719



Connecticut 5,049,307 5,132,756 5,289,299 156,632 140,160 170,633

Delaware 131,747,267 128,742,830 127,158,718 665,935 649,583 634,817


Florida 3,269,791,101 2,973,589,234 3,015,763,665 13,071,036 12,570,973 12,035,701

Georgia 0 0 0 0 0 0

Hawaii 78,371,297 77,008,181 75,670,753 870,756 853,136 829,706

Idaho 0 0 0 0 0 0


Indiana 0 0 0 0 0 0

Iowa 0 0 0 0 0 0

Kansas 115,322,666 114,691,629 114,850,972 2,216,679 2,174,570 2,155,169

Kentucky 319,010,383 308,724,096 299,746,632 3,149,325 3,119,474 3,073,034


Maine 0 0 0 0 0 0

Maryland 302,141,850 295,221,227 289,408,296 4,147,642 4,081,761 4,032,200

Massachusetts 249,101,753 239,204,485 234,347,618 4,336,310 4,261,895 4,203,846

Michigan 3,372,061,713 3,347,042,887 3,256,889,816 5,776,487 5,690,115 5,638,834

Minnesota 597,390,423 587,046,331 578,517,789 3,978,224 3,876,775 3,816,276



Montana 0 0 0 0 0 0


Nevada 0 0 0 0 0 0


New Jersey 1,635,659,284 1,623,457,564 1,651,371,157 5,529,768 5,425,214 5,356,620


New York 2,367,070,255 2,304,984,177 2,303,084,768 9,549,239 9,436,007 9,342,045


North Dakota 36,170,152 37,064,943 36,416,537 565,110 561,585 549,946

Ohio 0 0 0 0 0 0


Oregon 319,730,809 299,003,256 297,837,160 2,763,639 2,716,266 2,659,768

Pennsylvania 656,449,966 655,327,710 665,452,454 8,515,369 8,404,102 8,343,881





Texas 474,307,113 458,069,823 446,966,351 n/a n/a n/a

Utah 79,593,249 75,975,633 73,935,317 1,823,150 1,764,208 1,723,797

Vermont 0 0 0 0 0 0


Washington 316,704,649 306,076,760 304,366,816 3,315,822 3,245,944 3,208,519



Wyoming 0 0 0 0 0 0

Countrywide 14,331,668,159 13,842,256,811 13,782,956,626 70,597,452 69,135,932 67,936,635

CW w/o Texas 13,857,361,046 13,384,186,988 13,335,990,275 70,597,452 69,135,932 67,936,635

Table 17A



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0 0 0 0 0 0

Alaska 0 0 0 0 0 0

Arizona 0 0 0 0 0 0

Arkansas 10,864 6,850 0 2 1 0



Connecticut 4,096,142 3,863,774 4,183,898 843 802 782

Delaware 105,384,337 107,654,888 97,000,754 14,926 13,714 11,979


Florida 2,773,705,506 2,588,843,956 2,232,239,499 383,763 382,485 335,758

Georgia 0 0 0 0 0 0

Hawaii 48,685,529 49,184,107 47,195,875 9,177 9,219 9,097

Idaho 0 0 0 0 0 0


Indiana 0 0 0 0 0 0

Iowa 0 0 0 0 0 0

Kansas 74,956,186 73,455,695 69,920,847 19,191 17,625 16,855

Kentucky 239,762,567 234,526,077 224,500,521 46,633 55,865 57,924


Maine 0 0 0 0 0 0

Maryland 241,082,778 233,826,202 220,668,112 93,833 91,051 85,193

Massachusetts 166,914,787 149,676,254 142,796,761 43,878 38,907 37,996

Michigan 3,847,487,915 3,123,662,043 2,347,952,771 43,558 45,638 45,946

Minnesota 416,215,007 398,971,118 389,467,200 44,170 42,291 43,981



Montana 0 0 0 0 0 0


Nevada 0 0 0 0 0 0


New Jersey 1,264,054,971 1,211,249,549 1,168,932,035 91,224 95,397 90,877


New York 1,858,385,415 1,775,585,204 1,686,391,336 191,403 192,812 188,223


North Dakota 23,242,256 24,669,721 23,341,867 3,319 3,355 3,379

Ohio 0 0 0 0 0 0


Oregon 220,093,210 215,007,482 193,320,752 44,462 40,566 39,011

Pennsylvania 470,835,316 474,059,412 475,897,388 126,860 127,399 124,425





Texas 320,726,654 304,295,587 283,889,104 n/a n/a n/a

Utah 60,617,072 55,603,012 51,107,926 23,233 20,272 19,509

Vermont 0 0 0 0 0 0


Washington 249,944,096 237,570,595 229,002,080 48,600 43,974 44,629



Wyoming 0 0 0 0 0 0

Countrywide 12,390,350,780 11,265,537,843 9,891,259,619 1,229,803 1,222,022 1,156,159

CW w/o Texas 12,069,624,126 10,961,242,256 9,607,370,515 1,229,803 1,222,022 1,156,159

Table 17B



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama - - - - - -

Alaska - - - - - -

Arizona - - - - - -

Arkansas 16.36 9.99 0.00 169.17 94.17 0.00



Connecticut 26.15 27.57 24.52 81.12 75.28 79.10

Delaware 158.25 165.73 152.80 79.99 83.62 76.28


Florida 212.20 205.94 185.47 84.83 87.06 74.02

Georgia - - - - - -

Hawaii 55.91 57.65 56.88 62.12 63.87 62.37

Idaho - - - - - -


Indiana - - - - - -

Iowa - - - - - -

Kansas 33.81 33.78 32.44 65.00 64.05 60.88

Kentucky 76.13 75.18 73.06 75.16 75.97 74.90


Maine - - - - - -

Maryland 58.13 57.29 54.73 79.79 79.20 76.25

Massachusetts 38.49 35.12 33.97 67.01 62.57 60.93

Michigan 666.06 548.96 416.39 114.10 93.33 72.09

Minnesota 104.62 102.91 102.05 69.67 67.96 67.32



Montana - - - - - -


Nevada - - - - - -


New Jersey 228.59 223.26 218.22 77.28 74.61 70.79


New York 194.61 188.17 180.52 78.51 77.03 73.22


North Dakota 41.13 43.93 42.44 64.26 66.56 64.10

Ohio - - - - - -


Oregon 79.64 79.16 72.68 68.84 71.91 64.91

Pennsylvania 55.29 56.41 57.04 71.72 72.34 71.51





Texas n/a n/a n/a 67.62 66.43 63.51

Utah 33.25 31.52 29.65 76.16 73.19 69.13

Vermont - - - - - -


Washington 75.38 73.19 71.37 78.92 77.62 75.24



Wyoming - - - - - -

Countrywide 175.51 162.95 145.60 86.45 81.39 71.76

CW w/o Texas 170.96 158.55 141.42 87.10 81.90 72.04

Table 17C



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama - - - - - -

Alaska - - - - - -

Arizona - - - - - -

Arkansas 0.30 0.15 0.00 5,432.00 6,850.00 -



Connecticut 0.54 0.57 0.46 4,859.01 4,817.67 5,350.25

Delaware 2.24 2.11 1.89 7,060.45 7,850.00 8,097.57


Florida 2.94 3.04 2.79 7,227.65 6,768.48 6,648.36

Georgia - - - - - -

Hawaii 1.05 1.08 1.10 5,305.17 5,335.08 5,188.07

Idaho - - - - - -


Indiana - - - - - -

Iowa - - - - - -

Kansas 0.87 0.81 0.78 3,905.80 4,167.70 4,148.37

Kentucky 1.48 1.79 1.88 5,141.48 4,198.09 3,875.78


Maine - - - - - -

Maryland 2.26 2.23 2.11 2,569.27 2,568.08 2,590.21

Massachusetts 1.01 0.91 0.90 3,804.07 3,847.03 3,758.21

Michigan 0.75 0.80 0.81 88,330.22 68,444.32 51,102.44

Minnesota 1.11 1.09 1.15 9,423.02 9,433.95 8,855.35



Montana - - - - - -


Nevada - - - - - -


New Jersey 1.65 1.76 1.70 13,856.61 12,696.94 12,862.79


New York 2.00 2.04 2.01 9,709.28 9,208.89 8,959.54


North Dakota 0.59 0.60 0.61 7,002.79 7,353.12 6,907.92

Ohio - - - - - -


Oregon 1.61 1.49 1.47 4,950.14 5,300.19 4,955.54

Pennsylvania 1.49 1.52 1.49 3,711.46 3,721.06 3,824.77






Utah 1.27 1.15 1.13 2,609.09 2,742.85 2,619.71

Vermont - - - - - -


Washington 1.47 1.35 1.39 5,142.88 5,402.52 5,131.24



Wyoming - - - - - -

Countrywide 1.74 1.77 1.70 10,075.07 9,218.77 8,555.28

CW w/o Texas 1.74 1.77 1.70 9,814.27 8,969.76 8,309.73

Table 17D


Frequency Severity

Total Business



Medical Payments





Medical Payments

Medical payments (MedPay) coverage pays medical and funeral expenses that the vehicle owner and any passengers or pedestrians incur as a result of an auto accident. Benefits are paid without regard to fault.

MedPay is the principal auto injury coverage in those states with traditional tort liability laws. MedPay may be required or optional, depending on state law.

Medical Payments State-Specific Information and Technical Notes


Medical Payments—Earned Premiums

Massachusetts—Massachusetts Commonwealth Automobile Reinsurers (M-CAR) collects bodily injury liability, uninsured motorists, and medical payments data as a total premium. Due to the competitive nature of the rates in Massachusetts, it is not possible to project these values. Therefore, the bodily injury liability portion of this report includes both uninsured motorist and medical payment premiums. For this reason, there is a Countrywide without Texas and Massachusetts total line in the tables that does not include earned exposures and the earned premiums are indicated by “n/a.”

Medical Payments Calculations—Loss Experience Results

Texas—Earned exposure and incurred claims data are not available, as indicated by “n/a.”

Because the results for pure premium, frequency and severity are calculated using earned exposures and incurred claims, there are no data in these columns for Texas.

Medical Payments Required Limits Maine—Compulsory medical payments coverage with $2,000 per person minimum limits.

Medical Payments Loss Development Incurred losses are developed to 39 months.






STATE 2016 2015 2014 2016 2015 2014Alabama 74,146,599 72,585,312 68,699,579 2,674,654 2,669,491 2,663,109Alaska 18,314,032 18,536,621 18,509,983 323,229 321,518 319,437Arizona 81,600,579 77,830,329 74,816,165 1,571,898 1,521,324 1,498,174Arkansas 45,267,216 41,804,357 39,264,457 916,972 909,397 899,860California 439,774,085 459,000,206 458,180,406 11,045,974 10,976,630 11,108,160Colorado 186,599,910 177,333,409 167,552,758 2,909,152 2,843,915 2,803,002Connecticut 33,407,068 32,675,179 32,765,032 686,536 676,968 675,509Delaware 1,814 22,212 25,986 651 10,650 12,346District of Columbia 142,572 140,221 144,545 10,665 10,835 10,830Florida 120,561,180 114,886,382 116,399,632 2,971,100 2,948,561 2,946,486Georgia 181,519,612 181,582,617 175,388,620 2,745,779 2,751,700 2,792,149Hawaii 70,857 69,166 66,923 18,312 18,051 17,626Idaho 30,760,737 28,899,322 28,222,094 875,781 853,359 843,549Illinois 206,664,270 204,861,988 202,053,793 5,973,505 5,927,498 5,951,883Indiana 149,891,257 141,941,771 135,542,414 4,066,493 4,031,025 4,013,375Iowa 49,697,344 49,520,494 49,342,732 2,252,903 2,233,064 2,213,715Kansas 2,459,975 2,528,460 2,569,769 252,100 250,218 252,095Kentucky 2,873,132 2,875,764 2,905,196 617,502 614,019 610,814Louisiana 61,443,870 61,293,839 60,220,332 1,448,272 1,455,233 1,451,917Maine 25,382,309 24,043,042 22,944,023 958,029 942,590 924,821Maryland 11,737,625 11,389,382 11,878,782 439,243 429,095 445,885Massachusetts n/a n/a n/a 1,540,905 1,513,262 1,494,794Michigan 307,818 180,030 89,514 16,707 14,857 14,496Minnesota 487,370 315,365 187,536 5,135 3,918 2,858Mississippi 45,699,276 44,341,774 43,507,968 1,404,162 1,398,212 1,392,392Missouri 83,512,841 81,111,211 80,184,034 2,591,916 2,564,927 2,548,915Montana 22,588,498 22,400,757 22,429,581 445,579 437,745 436,752Nebraska 40,512,053 39,160,048 37,345,549 1,380,774 1,364,116 1,351,130Nevada 53,772,086 51,846,275 50,920,486 751,731 740,446 735,862New Hampshire 27,080,742 26,809,191 26,674,393 921,273 905,745 884,837New Jersey 1,848,189 1,868,978 1,878,579 1,423,538 1,473,280 1,512,050New Mexico 27,411,194 27,057,708 26,664,510 773,478 763,027 762,276New York 19,075,808 19,765,035 20,698,579 4,288,805 4,262,369 4,287,303North Carolina 126,073,397 123,816,595 124,339,777 4,752,993 4,740,024 4,753,073North Dakota 2,575 2,705 2,688 320 333 301Ohio 197,791,122 193,211,637 187,924,781 6,785,906 6,773,038 6,797,831Oklahoma 57,350,576 56,476,676 56,714,397 1,196,546 1,196,146 1,195,286Oregon 1,215,762 1,161,759 1,137,844 126,150 120,636 116,416Pennsylvania 744,235 497,004 217,442 16,984 13,645 11,545Rhode Island 18,227,380 17,029,075 15,741,670 592,360 583,555 579,047South Carolina 27,443,419 25,385,306 23,955,397 831,794 811,173 791,899South Dakota 16,502,427 16,178,376 15,562,445 611,695 603,112 592,261Tennessee 97,379,437 95,117,553 93,440,851 3,701,737 3,628,377 3,575,033Texas 50,704,654 48,229,009 46,767,398 n/a n/a n/aUtah 318,533 327,993 332,399 23,140 21,404 21,396Vermont 7,792,628 7,794,867 7,890,529 359,949 367,036 372,045Virginia 161,751,706 164,604,138 164,338,686 3,599,857 3,639,047 3,670,868Washington 10,196,152 9,670,037 9,073,693 161,465 158,708 155,208West Virginia 42,031,248 42,792,531 42,737,802 936,439 940,575 950,410Wisconsin 113,015,716 111,587,920 107,002,557 3,609,589 3,568,925 3,533,716Wyoming 14,461,257 15,152,390 15,571,900 367,753 370,632 371,473Countrywide 2,987,614,142 2,947,712,016 2,890,826,206 85,977,430 85,373,411 85,366,215CW w/o TX and MA 2,936,909,488 2,899,483,007 2,844,058,808 84,436,525 83,860,149 83,871,421

Table 18A

Medical Payments 2014-2016


Voluntary Business




STATE 2016 2015 2014 2016 2015 2014Alabama 46,675,198 49,398,727 46,256,906 16,565 17,413 16,672Alaska 16,324,301 15,423,750 14,460,289 2,548 2,485 2,402Arizona 54,660,922 55,665,479 54,179,917 14,629 14,694 14,118Arkansas 34,629,249 33,329,253 32,428,296 8,313 8,217 8,125California 283,346,850 301,610,314 289,620,263 95,866 99,153 100,249Colorado 138,356,938 137,801,318 135,271,043 28,573 29,088 29,838Connecticut 25,527,078 27,073,879 25,952,555 7,799 7,476 7,477Delaware 5,493 21,136 35,909 1 6 7District of Columbia 128,804 49,642 79,763 32 18 28Florida 100,931,910 95,780,690 90,072,478 40,180 38,919 36,923Georgia 146,943,657 160,487,387 147,289,352 37,803 40,028 37,023Hawaii 66,970 146,353 158,132 12 29 24Idaho 23,222,242 22,159,796 19,650,264 7,072 6,919 6,984Illinois 162,212,784 159,176,254 149,160,736 41,214 40,486 38,919Indiana 120,262,927 118,447,334 109,215,683 29,006 28,696 27,904Iowa 37,413,127 37,489,694 33,342,574 11,242 11,004 10,566Kansas 2,114,806 2,311,128 1,954,282 669 749 642Kentucky 1,749,140 1,989,657 1,944,466 2,324 2,562 2,682Louisiana 50,314,207 53,591,523 51,707,926 14,100 14,413 13,822Maine 18,846,972 17,386,723 16,620,899 6,640 6,048 6,030Maryland 9,278,872 10,188,094 9,936,891 3,050 3,247 3,203Massachusetts 22,408,341 21,711,174 21,816,834 4,874 4,866 4,895Michigan 155,522 34,259 89,271 7 3 8Minnesota 186,501 73,785 75,247 26 9 9Mississippi 35,023,394 35,122,557 33,328,296 11,107 11,428 11,505Missouri 58,739,648 61,263,749 54,660,834 18,094 18,556 17,142Montana 13,713,024 15,594,463 15,209,472 3,038 3,490 3,559Nebraska 29,336,785 30,742,067 28,968,320 8,444 7,800 7,639Nevada 39,126,611 43,210,785 40,345,037 8,990 9,447 9,238New Hampshire 18,998,220 17,620,707 18,239,694 6,365 6,003 6,015New Jersey 1,339,927 1,385,691 1,016,074 370 446 341New Mexico 18,215,757 17,770,034 19,062,650 5,769 5,610 5,888New York 13,586,314 14,280,946 12,937,803 1,508 1,428 1,348North Carolina 108,215,978 101,871,161 99,521,181 53,515 50,417 50,548North Dakota 0 0 0 0 0 0Ohio 155,080,667 147,026,131 140,290,339 45,166 43,670 44,290Oklahoma 33,595,278 37,502,402 37,044,207 8,628 9,524 9,821Oregon 1,975,749 1,505,776 1,307,731 209 200 196Pennsylvania 325,959 102,021 80,321 73 8 10Rhode Island 18,021,833 15,941,985 14,250,319 7,318 6,633 6,147South Carolina 22,289,964 23,568,914 21,425,118 9,697 9,829 9,111South Dakota 11,571,269 12,054,470 10,567,265 3,147 3,153 3,030Tennessee 63,879,708 62,383,181 58,358,154 22,353 21,576 20,571Texas 31,116,614 31,763,280 34,413,351 n/a n/a n/aUtah 432,484 278,901 310,540 132 90 90Vermont 6,048,041 6,137,312 5,981,840 1,846 1,850 1,986Virginia 108,187,311 113,733,850 114,334,942 27,277 28,087 28,203Washington 10,395,575 10,485,647 10,484,901 1,903 2,028 1,899West Virginia 28,048,756 27,197,769 27,995,745 7,667 7,663 7,796Wisconsin 84,508,321 81,724,806 78,964,117 21,249 20,436 20,252Wyoming 10,156,757 11,706,249 11,096,650 1,696 1,839 2,014Countrywide 2,217,692,755 2,243,322,203 2,141,514,877 648,106 647,739 637,189CW w/o TX and MA 2,164,167,800 2,189,847,749 2,085,284,692 643,232 642,873 632,294

Table 18B



Voluntary Business




STATE 2016 2015 2014 2016 2015 2014Alabama 17.45 18.50 17.37 62.95 68.06 67.33Alaska 50.50 47.97 45.27 89.14 83.21 78.12Arizona 34.77 36.59 36.16 66.99 71.52 72.42Arkansas 37.76 36.65 36.04 76.50 79.73 82.59California 25.65 27.48 26.07 64.43 65.71 63.21Colorado 47.56 48.45 48.26 74.15 77.71 80.73Connecticut 37.18 39.99 38.42 76.41 82.86 79.21Delaware 8.44 1.98 2.91 302.81 95.16 138.19District of Columbia 12.08 4.58 7.37 90.34 35.40 55.18Florida 33.97 32.48 30.57 83.72 83.37 77.38Georgia 53.52 58.32 52.75 80.95 88.38 83.98Hawaii 3.66 8.11 8.97 94.51 211.60 236.29Idaho 26.52 25.97 23.29 75.49 76.68 69.63Illinois 27.16 26.85 25.06 78.49 77.70 73.82Indiana 29.57 29.38 27.21 80.23 83.45 80.58Iowa 16.61 16.79 15.06 75.28 75.71 67.57Kansas 8.39 9.24 7.75 85.97 91.40 76.05Kentucky 2.83 3.24 3.18 60.88 69.19 66.93Louisiana 34.74 36.83 35.61 81.89 87.43 85.86Maine 19.67 18.45 17.97 74.25 72.31 72.44Maryland 21.12 23.74 22.29 79.05 89.45 83.65Massachusetts 14.54 14.35 14.60 n/a n/a n/aMichigan 9.31 2.31 6.16 50.52 19.03 99.73Minnesota 36.32 18.83 26.33 38.27 23.40 40.12Mississippi 24.94 25.12 23.94 76.64 79.21 76.60Missouri 22.66 23.89 21.44 70.34 75.53 68.17Montana 30.78 35.62 34.82 60.71 69.62 67.81Nebraska 21.25 22.54 21.44 72.41 78.50 77.57Nevada 52.05 58.36 54.83 72.76 83.34 79.23New Hampshire 20.62 19.45 20.61 70.15 65.73 68.38New Jersey 0.94 0.94 0.67 72.50 74.14 54.09New Mexico 23.55 23.29 25.01 66.45 65.67 71.49New York 3.17 3.35 3.02 71.22 72.25 62.51North Carolina 22.77 21.49 20.94 85.84 82.28 80.04North Dakota 0.00 0.00 0.00 0.00 0.00 0.00Ohio 22.85 21.71 20.64 78.41 76.10 74.65Oklahoma 28.08 31.35 30.99 58.58 66.40 65.32Oregon 15.66 12.48 11.23 162.51 129.61 114.93Pennsylvania 19.19 7.48 6.96 43.80 20.53 36.94Rhode Island 30.42 27.32 24.61 98.87 93.62 90.53South Carolina 26.80 29.06 27.06 81.22 92.84 89.44South Dakota 18.92 19.99 17.84 70.12 74.51 67.90Tennessee 17.26 17.19 16.32 65.60 65.59 62.45Texas n/a n/a n/a 61.37 65.86 73.58Utah 18.69 13.03 14.51 135.77 85.03 93.42Vermont 16.80 16.72 16.08 77.61 78.74 75.81Virginia 30.05 31.25 31.15 66.88 69.10 69.57Washington 64.38 66.07 67.55 101.96 108.43 115.55West Virginia 29.95 28.92 29.46 66.73 63.56 65.51Wisconsin 23.41 22.90 22.35 74.78 73.24 73.80Wyoming 27.62 31.58 29.87 70.23 77.26 71.26Countrywide 25.79 26.28 25.09 74.23 76.10 74.08CW w/o TX and MA 25.63 26.11 24.86 73.69 75.53 73.32

Table 18C



Voluntary Business




STATE 2016 2015 2014 2016 2015 2014Alabama 0.62 0.65 0.63 2,817.70 2,836.89 2,774.53Alaska 0.79 0.77 0.75 6,406.71 6,206.74 6,020.10Arizona 0.93 0.97 0.94 3,736.48 3,788.31 3,837.65Arkansas 0.91 0.90 0.90 4,165.67 4,056.13 3,991.17California 0.87 0.90 0.90 2,955.66 3,041.87 2,889.01Colorado 0.98 1.02 1.06 4,842.23 4,737.39 4,533.52Connecticut 1.14 1.10 1.11 3,273.12 3,621.44 3,470.99Delaware 0.15 0.06 0.06 5,493.00 3,522.67 5,129.86District of Columbia 0.30 0.17 0.26 4,025.13 2,757.89 2,848.68Florida 1.35 1.32 1.25 2,511.99 2,461.03 2,439.47Georgia 1.38 1.45 1.33 3,887.09 4,009.38 3,978.32Hawaii 0.07 0.16 0.14 5,580.83 5,046.66 6,588.83Idaho 0.81 0.81 0.83 3,283.69 3,202.75 2,813.61Illinois 0.69 0.68 0.65 3,935.87 3,931.64 3,832.59Indiana 0.71 0.71 0.70 4,146.14 4,127.66 3,913.98Iowa 0.50 0.49 0.48 3,327.98 3,406.92 3,155.65Kansas 0.27 0.30 0.25 3,161.14 3,085.62 3,044.05Kentucky 0.38 0.42 0.44 752.64 776.60 725.01Louisiana 0.97 0.99 0.95 3,568.38 3,718.28 3,740.99Maine 0.69 0.64 0.65 2,838.40 2,874.79 2,756.37Maryland 0.69 0.76 0.72 3,042.25 3,137.69 3,102.37Massachusetts 0.32 0.32 0.33 4,597.53 4,461.81 4,456.96Michigan 0.04 0.02 0.06 22,217.43 11,419.67 11,158.88Minnesota 0.51 0.23 0.31 7,173.12 8,198.33 8,360.78Mississippi 0.79 0.82 0.83 3,153.27 3,073.38 2,896.85Missouri 0.70 0.72 0.67 3,246.36 3,301.56 3,188.71Montana 0.68 0.80 0.81 4,513.83 4,468.33 4,273.52Nebraska 0.61 0.57 0.57 3,474.28 3,941.29 3,792.16Nevada 1.20 1.28 1.26 4,352.24 4,574.02 4,367.29New Hampshire 0.69 0.66 0.68 2,984.79 2,935.32 3,032.37New Jersey 0.03 0.03 0.02 3,621.42 3,106.93 2,979.69New Mexico 0.75 0.74 0.77 3,157.52 3,167.56 3,237.54New York 0.04 0.03 0.03 9,009.49 10,000.66 9,597.78North Carolina 1.13 1.06 1.06 2,022.16 2,020.57 1,968.85North Dakota 0.00 0.00 0.00 - - -Ohio 0.67 0.64 0.65 3,433.57 3,366.75 3,167.54Oklahoma 0.72 0.80 0.82 3,893.75 3,937.67 3,771.94Oregon 0.17 0.17 0.17 9,453.34 7,528.88 6,672.10Pennsylvania 0.43 0.06 0.09 4,465.19 12,752.63 8,032.10Rhode Island 1.24 1.14 1.06 2,462.67 2,403.44 2,318.26South Carolina 1.17 1.21 1.15 2,298.65 2,397.90 2,351.57South Dakota 0.51 0.52 0.51 3,676.92 3,823.17 3,487.55Tennessee 0.60 0.59 0.58 2,857.77 2,891.32 2,836.91Texas n/a n/a n/a n/a n/a n/aUtah 0.57 0.42 0.42 3,276.39 3,098.90 3,450.44Vermont 0.51 0.50 0.53 3,276.30 3,317.47 3,012.00Virginia 0.76 0.77 0.77 3,966.25 4,049.34 4,054.00Washington 1.18 1.28 1.22 5,462.73 5,170.44 5,521.27West Virginia 0.82 0.81 0.82 3,658.37 3,549.23 3,591.04Wisconsin 0.59 0.57 0.57 3,977.05 3,999.06 3,899.08Wyoming 0.46 0.50 0.54 5,988.65 6,365.55 5,509.76Countrywide 0.75 0.76 0.75 3,421.81 3,463.31 3,360.88CW w/o TX and MA 0.76 0.77 0.75 3,364.52 3,406.35 3,297.97

Table 18D


Frequency Severity

Voluntary Business




STATE 2016 2015 2014 2016 2015 2014Alabama 0 0 84 0 0 1Alaska 160 200 347 4 4 5Arizona 0 0 0 0 0 0Arkansas 32 239 79 1 3 1California 92,586 87,706 83,998 3,426 3,155 2,841Colorado 33 0 0 0 0 0Connecticut 0 0 0 0 0 0Delaware 0 0 0 0 0 0District of Columbia 173 208 208 2 2 2Florida 322 635 -442 2 5 -4Georgia 0 0 0 0 0 0Hawaii 0 0 0 0 0 0Idaho 0 13 38 0 0 1Illinois 11,179 12,888 15,624 165 197 235Indiana 313 265 209 3 3 4Iowa 331 439 562 5 7 8Kansas 1,823 1,904 1,470 236 272 231Kentucky 84 150 1 1 2 0Louisiana 233 200 0 2 3 0Maine 492 300 599 2 4 8Maryland 0 0 0 0 0 0Massachusetts n/a n/a n/a 12,327 13,015 15,771Michigan 0 0 0 0 0 0Minnesota 0 0 0 0 0 0Mississippi 198 84 293 2 2 3Missouri 303 115 -10 3 2 -1Montana 94 146 223 3 2 6Nebraska 448 123 9 5 1 0Nevada 93 19 0 2 1 0New Hampshire 4,736 6,824 8,171 67 84 103New Jersey 6,182 2,910 4,178 5,790 3,241 4,558New Mexico 95 1 33 1 0 1New York 42,523 34,805 36,811 31,331 33,860 39,732North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 138 96 0 1 1 0Oregon 0 0 0 0 0 0Pennsylvania 0 0 0 0 0 0Rhode Island 77,813 63,560 52,071 1,743 1,596 1,313South Carolina 5 0 0 0 0 0South Dakota 0 490 70 0 1 0Tennessee 0 59 117 0 1 1Texas 0 0 0 n/a n/a n/aUtah 0 0 0 0 0 0Vermont 1,079 1,705 1,606 17 28 29Virginia 11,466 11,311 12,644 68 69 74Washington 0 0 0 0 0 0West Virginia 547 309 310 9 4 3Wisconsin 147 178 63 1 2 0Wyoming 0 0 0 0 0 0Countrywide 253,628 227,882 219,366 55,219 55,567 64,926CW w/o TX and MA 253,628 227,882 219,366 42,892 42,552 49,155

Table 19A



Residual Business



2016/2017 Auto Insurance Database Report.

STATE 2016 2015 2014 2016 2015 2014Alabama 0 0 1,143 0 0 1Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California 49,100 31,714 41,930 52 36 48Colorado 0 0 0 0 0 0Connecticut 0 0 0 0 0 0Delaware 0 0 0 0 0 0District of Columbia 0 0 0 0 0 0Florida 0 0 0 0 0 0Georgia 0 0 0 0 0 0Hawaii 0 0 0 0 0 0Idaho 0 0 0 0 0 0Illinois 0 10,242 6,036 0 3 2Indiana 0 0 0 0 0 0Iowa 5,199 0 0 1 0 0Kansas 1,742 7,644 2,266 1 2 1Kentucky 0 0 0 0 0 0Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 0 0 0 0 0 0Massachusetts 555,325 547,507 559,632 132 130 130Michigan 0 0 0 0 0 0Minnesota 0 0 0 0 0 0Mississippi 0 0 0 0 0 0Missouri 0 0 0 0 0 0Montana 0 0 0 0 0 0Nebraska 0 0 0 0 0 0Nevada 0 0 0 0 0 0New Hampshire 969 3,525 1,127 1 3 1New Jersey 50,084 18,263 41,036 7 3 10New Mexico 0 0 0 0 0 0New York 99,415 99,997 100,891 22 23 27North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 0 1,174 0 0 1 0Oregon 0 0 0 0 0 0Pennsylvania 0 0 0 0 0 0Rhode Island 149,904 79,716 109,623 67 41 50South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 0 0 0 n/a n/a n/aUtah 0 0 0 0 0 0Vermont 0 0 0 0 0 0Virginia 15,560 19,758 0 2 2 0Washington 0 0 0 0 0 0West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 927,298 819,540 863,684 285 244 270CW w/o TX and MA 371,973 272,033 304,052 153 114 140

Table 19B



Residual Business




STATE 2016 2015 2014 2016 2015 2014Alabama - - 1,143.00 - - 1,360.71Alaska 0.00 0.00 0.00 0.00 0.00 0.00Arizona - - - - - -Arkansas 0.00 0.00 0.00 0.00 0.00 0.00California 14.33 10.05 14.76 53.03 36.16 49.92Colorado - - - 0.00 - -Connecticut - - - - - -Delaware - - - - - -District of Columbia 0.00 0.00 0.00 0.00 0.00 0.00Florida 0.00 0.00 0.00 0.00 0.00 0.00Georgia - - - - - -Hawaii - - - - - -Idaho - - 0.00 - 0.00 0.00Illinois 0.00 51.99 25.69 0.00 79.47 38.63Indiana 0.00 0.00 0.00 0.00 0.00 0.00Iowa 1,039.80 0.00 0.00 1,570.69 0.00 0.00Kansas 7.38 28.10 9.81 95.56 401.47 154.15Kentucky 0.00 0.00 - 0.00 0.00 0.00Louisiana 0.00 0.00 - 0.00 0.00 -Maine 0.00 0.00 0.00 0.00 0.00 0.00Maryland - - - - - -Massachusetts 45.05 42.07 35.48 n/a n/a n/aMichigan - - - - - -Minnesota - - - - - -Mississippi 0.00 0.00 0.00 0.00 0.00 0.00Missouri 0.00 0.00 0.00 0.00 0.00 0.00Montana 0.00 0.00 0.00 0.00 0.00 0.00Nebraska 0.00 0.00 - 0.00 0.00 0.00Nevada 0.00 0.00 - 0.00 0.00 -New Hampshire 14.46 41.96 10.94 20.46 51.66 13.79New Jersey 8.65 5.63 9.00 810.16 627.59 982.19New Mexico 0.00 - 0.00 0.00 0.00 0.00New York 3.17 2.95 2.54 233.79 287.31 274.08North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma 0.00 1,174.00 - 0.00 1,222.92 -Oregon - - - - - -Pennsylvania - - - - - -Rhode Island 86.00 49.95 83.49 192.65 125.42 210.53South Carolina - - - 0.00 - -South Dakota - 0.00 - - 0.00 0.00Tennessee - 0.00 0.00 - 0.00 0.00Texas n/a n/a n/a - - -Utah - - - - - -Vermont 0.00 0.00 0.00 0.00 0.00 0.00Virginia 228.82 286.35 0.00 135.71 174.68 0.00Washington - - - - - -West Virginia 0.00 0.00 0.00 0.00 0.00 0.00Wisconsin 0.00 0.00 - 0.00 0.00 0.00Wyoming - - - - - -Countrywide 16.79 14.75 13.30 365.61 359.63 393.72CW w/o TX and MA 8.67 6.39 6.19 146.66 119.37 138.60

Table 19C



Residual Business




STATE 2016 2015 2014 2016 2015 2014Alabama - - 100.00 - - 1,143.00Alaska 0.00 0.00 0.00 - - -Arizona - - - - - -Arkansas 0.00 0.00 0.00 - - -California 1.52 1.14 1.69 944.23 880.94 873.54Colorado - - - - - -Connecticut - - - - - -Delaware - - - - - -District of Columbia 0.00 0.00 0.00 - - -Florida 0.00 0.00 0.00 - - -Georgia - - - - - -Hawaii - - - - - -Idaho - - 0.00 - - -Illinois 0.00 1.52 0.85 - 3,414.00 3,018.00Indiana 0.00 0.00 0.00 - - -Iowa 20.00 0.00 0.00 5,199.00 - -Kansas 0.42 0.74 0.43 1,742.00 3,822.00 2,266.00Kentucky 0.00 0.00 - - - -Louisiana 0.00 0.00 - - - -Maine 0.00 0.00 0.00 - - -Maryland - - - - - -Massachusetts 1.07 1.00 0.82 4,207.01 4,211.59 4,304.86Michigan - - - - - -Minnesota - - - - - -Mississippi 0.00 0.00 0.00 - - -Missouri 0.00 0.00 0.00 - - -Montana 0.00 0.00 0.00 - - -Nebraska 0.00 0.00 - - - -Nevada 0.00 0.00 - - - -New Hampshire 1.49 3.57 0.97 969.00 1,175.00 1,127.00New Jersey 0.12 0.09 0.22 7,154.86 6,087.67 4,103.60New Mexico 0.00 - 0.00 - - -New York 0.07 0.07 0.07 4,518.86 4,347.70 3,736.70North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma 0.00 100.00 - - 1,174.00 -Oregon - - - - - -Pennsylvania - - - - - -Rhode Island 3.84 2.57 3.81 2,237.37 1,944.29 2,192.46South Carolina - - - - - -South Dakota - 0.00 - - - -Tennessee - 0.00 0.00 - - -Texas n/a n/a n/a n/a n/a n/aUtah - - - - - -Vermont 0.00 0.00 0.00 - - -Virginia 2.94 2.90 0.00 7,780.00 9,879.00 -Washington - - - - - -West Virginia 0.00 0.00 0.00 - - -Wisconsin 0.00 0.00 - - - -Wyoming - - - - - -Countrywide 0.52 0.44 0.42 3,253.68 3,358.77 3,198.83CW w/o TX and MA 0.36 0.27 0.28 2,431.20 2,386.25 2,171.80

Table 19D


Frequency Severity

Residual Business




STATE 2016 2015 2014 2016 2015 2014Alabama 74,146,599 72,585,312 68,699,663 2,674,654 2,669,491 2,663,110Alaska 18,314,192 18,536,821 18,510,330 323,233 321,522 319,442Arizona 81,600,579 77,830,329 74,816,165 1,571,898 1,521,324 1,498,174Arkansas 45,267,248 41,804,596 39,264,536 916,973 909,400 899,861California 439,866,671 459,087,912 458,264,404 11,049,400 10,979,785 11,111,001Colorado 186,599,943 177,333,409 167,552,758 2,909,152 2,843,915 2,803,002Connecticut 33,407,068 32,675,179 32,765,032 686,536 676,968 675,509Delaware 1,814 22,212 25,986 651 10,650 12,346District of Columbia 142,745 140,429 144,753 10,667 10,837 10,832Florida 120,561,502 114,887,017 116,399,190 2,971,102 2,948,566 2,946,482Georgia 181,519,612 181,582,617 175,388,620 2,745,779 2,751,700 2,792,149Hawaii 70,857 69,166 66,923 18,312 18,051 17,626Idaho 30,760,737 28,899,335 28,222,132 875,781 853,359 843,550Illinois 206,675,449 204,874,876 202,069,417 5,973,670 5,927,695 5,952,118Indiana 149,891,570 141,942,036 135,542,623 4,066,496 4,031,028 4,013,379Iowa 49,697,675 49,520,933 49,343,294 2,252,908 2,233,071 2,213,723Kansas 2,461,798 2,530,364 2,571,239 252,336 250,490 252,326Kentucky 2,873,216 2,875,914 2,905,197 617,503 614,021 610,814Louisiana 61,444,103 61,294,039 60,220,332 1,448,274 1,455,236 1,451,917Maine 25,382,801 24,043,342 22,944,622 958,031 942,594 924,829Maryland 11,737,625 11,389,382 11,878,782 439,243 429,095 445,885Massachusetts n/a n/a n/a 1,553,232 1,526,277 1,510,565Michigan 307,818 180,030 89,514 16,707 14,857 14,496Minnesota 487,370 315,365 187,536 5,135 3,918 2,858Mississippi 45,699,474 44,341,858 43,508,261 1,404,164 1,398,214 1,392,395Missouri 83,513,144 81,111,326 80,184,024 2,591,919 2,564,929 2,548,914Montana 22,588,592 22,400,903 22,429,804 445,582 437,747 436,758Nebraska 40,512,501 39,160,171 37,345,558 1,380,779 1,364,117 1,351,130Nevada 53,772,179 51,846,294 50,920,486 751,733 740,447 735,862New Hampshire 27,085,478 26,816,015 26,682,564 921,340 905,829 884,940New Jersey 1,854,371 1,871,888 1,882,757 1,429,328 1,476,521 1,516,608New Mexico 27,411,289 27,057,709 26,664,543 773,479 763,027 762,277New York 19,118,331 19,799,840 20,735,390 4,320,136 4,296,229 4,327,035North Carolina 126,073,397 123,816,595 124,339,777 4,752,993 4,740,024 4,753,073North Dakota 2,575 2,705 2,688 320 333 301Ohio 197,791,122 193,211,637 187,924,781 6,785,906 6,773,038 6,797,831Oklahoma 57,350,714 56,476,772 56,714,397 1,196,547 1,196,147 1,195,286Oregon 1,215,762 1,161,759 1,137,844 126,150 120,636 116,416Pennsylvania 744,235 497,004 217,442 16,984 13,645 11,545Rhode Island 18,305,193 17,092,635 15,793,741 594,103 585,151 580,360South Carolina 27,443,424 25,385,306 23,955,397 831,794 811,173 791,899South Dakota 16,502,427 16,178,866 15,562,515 611,695 603,113 592,261Tennessee 97,379,437 95,117,612 93,440,968 3,701,737 3,628,378 3,575,034Texas 50,704,654 48,229,009 46,767,398 n/a n/a n/aUtah 318,533 327,993 332,399 23,140 21,404 21,396Vermont 7,793,707 7,796,572 7,892,135 359,966 367,064 372,074Virginia 161,763,172 164,615,449 164,351,330 3,599,925 3,639,116 3,670,942Washington 10,196,152 9,670,037 9,073,693 161,465 158,708 155,208West Virginia 42,031,795 42,792,840 42,738,112 936,448 940,579 950,413Wisconsin 113,015,863 111,588,098 107,002,620 3,609,590 3,568,927 3,533,716Wyoming 14,461,257 15,152,390 15,571,900 367,753 370,632 371,473Countrywide 2,987,867,770 2,947,939,898 2,891,045,572 86,032,649 85,428,978 85,431,141CW w/o TX and MA 2,937,163,116 2,899,710,889 2,844,278,174 84,479,417 83,902,701 83,920,576

Table 20A



Total Business




STATE 2016 2015 2014 2016 2015 2014Alabama 46,675,198 49,398,727 46,258,049 16,565 17,413 16,673Alaska 16,324,301 15,423,750 14,460,289 2,548 2,485 2,402Arizona 54,660,922 55,665,479 54,179,917 14,629 14,694 14,118Arkansas 34,629,249 33,329,253 32,428,296 8,313 8,217 8,125California 283,395,950 301,642,028 289,662,193 95,918 99,189 100,297Colorado 138,356,938 137,801,318 135,271,043 28,573 29,088 29,838Connecticut 25,527,078 27,073,879 25,952,555 7,799 7,476 7,477Delaware 5,493 21,136 35,909 1 6 7District of Columbia 128,804 49,642 79,763 32 18 28Florida 100,931,910 95,780,690 90,072,478 40,180 38,919 36,923Georgia 146,943,657 160,487,387 147,289,352 37,803 40,028 37,023Hawaii 66,970 146,353 158,132 12 29 24Idaho 23,222,242 22,159,796 19,650,264 7,072 6,919 6,984Illinois 162,212,784 159,186,496 149,166,772 41,214 40,489 38,921Indiana 120,262,927 118,447,334 109,215,683 29,006 28,696 27,904Iowa 37,418,326 37,489,694 33,342,574 11,243 11,004 10,566Kansas 2,116,548 2,318,772 1,956,548 670 751 643Kentucky 1,749,140 1,989,657 1,944,466 2,324 2,562 2,682Louisiana 50,314,207 53,591,523 51,707,926 14,100 14,413 13,822Maine 18,846,972 17,386,723 16,620,899 6,640 6,048 6,030Maryland 9,278,872 10,188,094 9,936,891 3,050 3,247 3,203Massachusetts 22,963,666 22,258,681 22,376,466 5,006 4,996 5,025Michigan 155,522 34,259 89,271 7 3 8Minnesota 186,501 73,785 75,247 26 9 9Mississippi 35,023,394 35,122,557 33,328,296 11,107 11,428 11,505Missouri 58,739,648 61,263,749 54,660,834 18,094 18,556 17,142Montana 13,713,024 15,594,463 15,209,472 3,038 3,490 3,559Nebraska 29,336,785 30,742,067 28,968,320 8,444 7,800 7,639Nevada 39,126,611 43,210,785 40,345,037 8,990 9,447 9,238New Hampshire 18,999,189 17,624,232 18,240,821 6,366 6,006 6,016New Jersey 1,390,011 1,403,954 1,057,110 377 449 351New Mexico 18,215,757 17,770,034 19,062,650 5,769 5,610 5,888New York 13,685,729 14,380,943 13,038,694 1,530 1,451 1,375North Carolina 108,215,978 101,871,161 99,521,181 53,515 50,417 50,548North Dakota 0 0 0 0 0 0Ohio 155,080,667 147,026,131 140,290,339 45,166 43,670 44,290Oklahoma 33,595,278 37,503,576 37,044,207 8,628 9,525 9,821Oregon 1,975,749 1,505,776 1,307,731 209 200 196Pennsylvania 325,959 102,021 80,321 73 8 10Rhode Island 18,171,737 16,021,701 14,359,942 7,385 6,674 6,197South Carolina 22,289,964 23,568,914 21,425,118 9,697 9,829 9,111South Dakota 11,571,269 12,054,470 10,567,265 3,147 3,153 3,030Tennessee 63,879,708 62,383,181 58,358,154 22,353 21,576 20,571Texas 31,116,614 31,763,280 34,413,351 n/a n/a n/aUtah 432,484 278,901 310,540 132 90 90Vermont 6,048,041 6,137,312 5,981,840 1,846 1,850 1,986Virginia 108,202,871 113,753,608 114,334,942 27,279 28,089 28,203Washington 10,395,575 10,485,647 10,484,901 1,903 2,028 1,899West Virginia 28,048,756 27,197,769 27,995,745 7,667 7,663 7,796Wisconsin 84,508,321 81,724,806 78,964,117 21,249 20,436 20,252Wyoming 10,156,757 11,706,249 11,096,650 1,696 1,839 2,014Countrywide 2,218,620,053 2,244,141,743 2,142,378,561 648,391 647,983 637,459CW w/o TX and MA 2,164,539,773 2,190,119,782 2,085,588,744 643,385 642,987 632,434

Table 20B



Total Business




STATE 2016 2015 2014 2016 2015 2014Alabama 17.45 18.50 17.37 62.95 68.06 67.33Alaska 50.50 47.97 45.27 89.13 83.21 78.12Arizona 34.77 36.59 36.16 66.99 71.52 72.42Arkansas 37.76 36.65 36.04 76.50 79.73 82.59California 25.65 27.47 26.07 64.43 65.70 63.21Colorado 47.56 48.45 48.26 74.15 77.71 80.73Connecticut 37.18 39.99 38.42 76.41 82.86 79.21Delaware 8.44 1.98 2.91 302.81 95.16 138.19District of Columbia 12.07 4.58 7.36 90.23 35.35 55.10Florida 33.97 32.48 30.57 83.72 83.37 77.38Georgia 53.52 58.32 52.75 80.95 88.38 83.98Hawaii 3.66 8.11 8.97 94.51 211.60 236.29Idaho 26.52 25.97 23.29 75.49 76.68 69.63Illinois 27.15 26.85 25.06 78.49 77.70 73.82Indiana 29.57 29.38 27.21 80.23 83.45 80.58Iowa 16.61 16.79 15.06 75.29 75.70 67.57Kansas 8.39 9.26 7.75 85.98 91.64 76.09Kentucky 2.83 3.24 3.18 60.88 69.18 66.93Louisiana 34.74 36.83 35.61 81.89 87.43 85.86Maine 19.67 18.45 17.97 74.25 72.31 72.44Maryland 21.12 23.74 22.29 79.05 89.45 83.65Massachusetts 14.78 14.58 14.81 n/a n/a n/aMichigan 9.31 2.31 6.16 50.52 19.03 99.73Minnesota 36.32 18.83 26.33 38.27 23.40 40.12Mississippi 24.94 25.12 23.94 76.64 79.21 76.60Missouri 22.66 23.89 21.44 70.34 75.53 68.17Montana 30.78 35.62 34.82 60.71 69.62 67.81Nebraska 21.25 22.54 21.44 72.41 78.50 77.57Nevada 52.05 58.36 54.83 72.76 83.34 79.23New Hampshire 20.62 19.46 20.61 70.15 65.72 68.36New Jersey 0.97 0.95 0.70 74.96 75.00 56.15New Mexico 23.55 23.29 25.01 66.45 65.67 71.49New York 3.17 3.35 3.01 71.58 72.63 62.88North Carolina 22.77 21.49 20.94 85.84 82.28 80.04North Dakota 0.00 0.00 0.00 0.00 0.00 0.00Ohio 22.85 21.71 20.64 78.41 76.10 74.65Oklahoma 28.08 31.35 30.99 58.58 66.41 65.32Oregon 15.66 12.48 11.23 162.51 129.61 114.93Pennsylvania 19.19 7.48 6.96 43.80 20.53 36.94Rhode Island 30.59 27.38 24.74 99.27 93.73 90.92South Carolina 26.80 29.06 27.06 81.22 92.84 89.44South Dakota 18.92 19.99 17.84 70.12 74.51 67.90Tennessee 17.26 17.19 16.32 65.60 65.59 62.45Texas n/a n/a n/a 61.37 65.86 73.58Utah 18.69 13.03 14.51 135.77 85.03 93.42Vermont 16.80 16.72 16.08 77.60 78.72 75.79Virginia 30.06 31.26 31.15 66.89 69.10 69.57Washington 64.38 66.07 67.55 101.96 108.43 115.55West Virginia 29.95 28.92 29.46 66.73 63.56 65.51Wisconsin 23.41 22.90 22.35 74.78 73.24 73.80Wyoming 27.62 31.58 29.87 70.23 77.26 71.26Countrywide 25.79 26.27 25.08 74.25 76.13 74.10CW w/o TX and MA 25.62 26.10 24.85 73.69 75.53 73.33

Table 20C



Total Business




STATE 2016 2015 2014 2016 2015 2014Alabama 0.62 0.65 0.63 2,817.70 2,836.89 2,774.43Alaska 0.79 0.77 0.75 6,406.71 6,206.74 6,020.10Arizona 0.93 0.97 0.94 3,736.48 3,788.31 3,837.65Arkansas 0.91 0.90 0.90 4,165.67 4,056.13 3,991.17California 0.87 0.90 0.90 2,954.56 3,041.08 2,888.04Colorado 0.98 1.02 1.06 4,842.23 4,737.39 4,533.52Connecticut 1.14 1.10 1.11 3,273.12 3,621.44 3,470.99Delaware 0.15 0.06 0.06 5,493.00 3,522.67 5,129.86District of Columbia 0.30 0.17 0.26 4,025.13 2,757.89 2,848.68Florida 1.35 1.32 1.25 2,511.99 2,461.03 2,439.47Georgia 1.38 1.45 1.33 3,887.09 4,009.38 3,978.32Hawaii 0.07 0.16 0.14 5,580.83 5,046.66 6,588.83Idaho 0.81 0.81 0.83 3,283.69 3,202.75 2,813.61Illinois 0.69 0.68 0.65 3,935.87 3,931.60 3,832.55Indiana 0.71 0.71 0.70 4,146.14 4,127.66 3,913.98Iowa 0.50 0.49 0.48 3,328.14 3,406.92 3,155.65Kansas 0.27 0.30 0.25 3,159.03 3,087.58 3,042.84Kentucky 0.38 0.42 0.44 752.64 776.60 725.01Louisiana 0.97 0.99 0.95 3,568.38 3,718.28 3,740.99Maine 0.69 0.64 0.65 2,838.40 2,874.79 2,756.37Maryland 0.69 0.76 0.72 3,042.25 3,137.69 3,102.37Massachusetts 0.32 0.33 0.33 4,587.23 4,455.30 4,453.03Michigan 0.04 0.02 0.06 22,217.43 11,419.67 11,158.88Minnesota 0.51 0.23 0.31 7,173.12 8,198.33 8,360.78Mississippi 0.79 0.82 0.83 3,153.27 3,073.38 2,896.85Missouri 0.70 0.72 0.67 3,246.36 3,301.56 3,188.71Montana 0.68 0.80 0.81 4,513.83 4,468.33 4,273.52Nebraska 0.61 0.57 0.57 3,474.28 3,941.29 3,792.16Nevada 1.20 1.28 1.26 4,352.24 4,574.02 4,367.29New Hampshire 0.69 0.66 0.68 2,984.48 2,934.44 3,032.05New Jersey 0.03 0.03 0.02 3,687.03 3,126.85 3,011.71New Mexico 0.75 0.74 0.77 3,157.52 3,167.56 3,237.54New York 0.04 0.03 0.03 8,944.92 9,911.06 9,482.69North Carolina 1.13 1.06 1.06 2,022.16 2,020.57 1,968.85North Dakota 0.00 0.00 0.00 - - -Ohio 0.67 0.64 0.65 3,433.57 3,366.75 3,167.54Oklahoma 0.72 0.80 0.82 3,893.75 3,937.38 3,771.94Oregon 0.17 0.17 0.17 9,453.34 7,528.88 6,672.10Pennsylvania 0.43 0.06 0.09 4,465.19 12,752.63 8,032.10Rhode Island 1.24 1.14 1.07 2,460.63 2,400.61 2,317.24South Carolina 1.17 1.21 1.15 2,298.65 2,397.90 2,351.57South Dakota 0.51 0.52 0.51 3,676.92 3,823.17 3,487.55Tennessee 0.60 0.59 0.58 2,857.77 2,891.32 2,836.91Texas n/a n/a n/a n/a n/a n/aUtah 0.57 0.42 0.42 3,276.39 3,098.90 3,450.44Vermont 0.51 0.50 0.53 3,276.30 3,317.47 3,012.00Virginia 0.76 0.77 0.77 3,966.53 4,049.76 4,054.00Washington 1.18 1.28 1.22 5,462.73 5,170.44 5,521.27West Virginia 0.82 0.81 0.82 3,658.37 3,549.23 3,591.04Wisconsin 0.59 0.57 0.57 3,977.05 3,999.06 3,899.08Wyoming 0.46 0.50 0.54 5,988.65 6,365.55 5,509.76Countrywide 0.75 0.76 0.75 3,421.73 3,463.27 3,360.81CW w/o TX and MA 0.76 0.77 0.75 3,364.30 3,406.16 3,297.72

Table 20D


Frequency Severity

Total Business



Uninsured/Underinsured Motorist





Uninsured/Underinsured Motorist

Many motorists do not purchase liability insurance, even though required by law, or do not purchase enough insurance to cover their liability in a major automobile accident. Uninsured and underinsured motorist coverages are designed to indemnify accident victims for bodily injury and property damage losses caused by a negligent uninsured or underinsured motorist. Each coverage has both a bodily injury component and a property damage component.

Uninsured motorist (UM) coverage provides compensation to insureds who have suffered bodily injury in an accident with an at-fault motorist: 1) who has no bodily liability insurance; 2) who is the owner or operator of a hit-and-run vehicle; or 3) whose

insurance company denies coverage or becomes insolvent.

Underinsured motorist (UIM) coverage protects an insured in an accident caused by another motorist who is insured but whose limits are not adequate to pay all damages in a serious accident.

The majority of the states require auto insurers to offer uninsured motorist coverage to their policyholders. The offer may be declined by the insured in some states. Underinsured motorist coverage is usually not required but may be offered or provided with uninsured motorist for a single premium.

Uninsured/Underinsured Motorist State-Specific Information and Technical Notes


Uninsured/Underinsured Data Data for UM and UIM are aggregated in this report. However, in most of the states, UM coverage may be purchased alone.

South Dakota—UI/UIM is mandatory. UI/UIM must match the bodily injury limits up to $100,000/$300,000; if the bodily injury limits are higher, they do not have to match.

Texas—Data for the UM/UIM-PD component are included in the UM/UIM-BI component.

Uninsured Motorist Requirement Twenty-three states require UM coverage, and 19 additional states require coverage unless it is rejected in writing.

California—UM property damage coverage is limited to $3,500 when purchased without collision coverage. Those with collision coverage purchase collision deductible waiver (CDW) instead. CDW is reported under other liability.

Minnesota—Required limits for UM/UIM coverage are 25/50.

New Jersey—Basic and SAIP policies do not have a UM coverage requirement.

West Virginia—When underinsured motorist insurance is involved, first-party coverage is secondary.



afitzpatrick

Sticky Note

Unmarked set by afitzpatrick

Uninsured/Underinsured Motorist Earned Premium and Earned Exposures

In Tables 21A through 23D-2 the earned premium amounts and the earned exposure figures represent both the uninsured/underinsured motorist bodily injury component (UM/UIM-BI) and the uninsured/underinsured motorist property damage component (UM/UIM-PD).

Except: Texas—Earned exposure data are not available, as indicated by “n/a.” Because the results for pure premium and claim frequency are calculated using earned exposures, there are no data in these columns for Texas.

Massachusetts—Massachusetts Commonwealth Automobile Reinsurers (M-CAR) collects bodily injury liability, uninsured motorist and medical payments data as a total premium. Previous reports have included a calculated value for uninsured motorist and medical payments premiums; however, due to the competitive nature of the rates in Massachusetts, it is not possible to project these values. Therefore, the bodily injury liability portion of this report includes uninsured motorist and medical payment premiums. For this reason, there is a Countrywide without Texas and Massachusetts total line that does not include earned exposures and the earned premiums are indicated by “n/a.”

Uninsured/Underinsured Incurred Losses and Incurred Claims

The uninsured/underinsured incurred claims and incurred losses are reported for the UM/UIM-BI component and the UM/UIM-PD component separately.

Uninsured/Underinsured Motorist Calculations—Loss Experience Results

Incurred losses for each component were added together to calculate the UM/UIM pure premium and loss ratio. UM/UIM-BI and UM/UIM-PD claims were not combined, so the UM/UIM frequency and severity are not shown.

However, pure premium, loss ratio, frequency, and severity were calculated for the UM/UIM-BI and UM/UIM-PD components individually.

UM/UIM pure premium = (UM/UIM-BI incurred losses + UM/UIM-PD incurred losses)/(UM/UIM earned exposures)

UM/UIM loss ratio = (UM/UIM-BI incurred losses + UM/UIM-PD incurred losses)/(UM/UIM earnedpremium)

UM/UIM-BI pure premium = (UM/UIM-BI incurred losses)/(UM/UIM earned exposures)

UM/UIM-BI loss ratio = (UM/UIM-BI incurred losses)/(UM/UIM earned premium)

UM/UIM-BI frequency = (UM/UIM-BI-incurred claims)/(UM/UIM earned exposures)

UM/UIM-BI severity = (UM/UIM-BI incurred losses)/(UM/UIM-BI incurred claims)

UM/UIM-PD pure premium = (UM/UIM-PD incurred losses)/(UM/UIM earned exposures)

UM/UIM-PD loss ratio = (UM/UIM-PD incurred losses)/(UM/UIM earned premium)

UM/UIM-PD frequency = (UM/UIM-PD incurred claims)/(UM/UIM earned exposures)

UM/UIM-PD severity = (UM/UIM-PD incurred losses)/(UM/UIM-PD incurred claims)

Uninsured/Underinsured Motorist—Loss Development

Incurred losses for the UM/UIM-bodily injury component are developed to 63 months.

Except: ISO develops UM/UIM-BI losses to 87 months.

California—UM/UIM incurred losses are developed to 42 months.

Texas—UM/UIM BI incurred losses are developed to 51 months.

Incurred losses for the UM/UIM property damage component are developed to 39 months.




STATE 2016 2015 2014 2016 2015 2014

Alabama 232,229,895 221,890,273 219,960,047 3,160,460 3,129,716 3,092,165

Alaska 52,521,990 54,927,181 56,954,612 444,520 439,360 431,867

Arizona 353,826,457 324,570,457 303,121,063 3,664,375 3,522,011 3,395,633

Arkansas 127,687,623 121,660,217 118,943,589 1,787,202 1,749,328 1,703,750

California 1,397,048,401 1,320,821,881 1,297,036,325 22,784,381 22,041,644 21,645,068

Colorado 342,114,265 302,383,297 283,107,697 2,112,209 2,029,579 2,015,060

Connecticut 188,343,696 185,417,371 184,897,165 2,363,695 2,329,105 2,302,695

Delaware 53,687,271 52,920,050 52,385,134 613,073 597,184 581,398


Florida 1,280,076,867 1,177,607,294 1,117,836,986 7,310,424 7,212,637 7,106,174

Georgia 569,368,324 521,344,774 489,464,259 6,014,032 6,004,717 6,099,544

Hawaii 71,982,658 70,176,424 67,706,369 783,265 762,943 734,362

Idaho 41,908,823 40,612,372 39,685,831 1,045,555 999,054 970,541

Illinois 336,246,933 335,251,332 330,119,199 6,647,457 6,578,507 6,561,183

Indiana 208,909,694 205,958,580 203,949,384 4,446,849 4,388,249 4,357,594

Iowa 84,521,979 84,273,004 83,583,558 2,383,125 2,357,240 2,329,255

Kansas 57,577,578 55,880,225 53,608,116 2,154,501 2,101,423 2,062,971

Kentucky 184,140,136 175,921,073 171,628,160 2,158,525 2,085,267 2,047,821

Louisiana 322,797,956 295,808,818 288,247,756 1,972,033 1,972,100 1,949,014

Maine 30,992,300 30,321,800 29,889,177 957,839 939,020 920,950

Maryland 294,664,114 290,190,019 292,713,440 3,970,816 3,904,371 3,847,897

Massachusetts n/a n/a n/a 4,279,461 4,191,058 4,126,739

Michigan 167,991,147 158,912,288 149,990,639 5,576,471 5,459,267 5,375,865

Minnesota 171,145,847 164,985,053 162,946,558 3,954,578 3,858,504 3,795,347

Mississippi 183,856,486 180,003,249 175,600,975 1,688,416 1,674,275 1,638,124

Missouri 205,986,176 192,425,125 181,345,684 3,931,821 3,873,271 3,827,453

Montana 42,157,115 41,502,394 40,495,818 503,532 493,581 486,620

Nebraska 58,197,284 55,923,066 54,977,835 1,509,187 1,487,728 1,470,588

Nevada 173,040,846 156,993,508 147,606,158 1,229,713 1,194,159 1,162,125

New Hampshire 38,272,796 38,388,573 38,275,984 870,470 858,340 847,710

New Jersey 460,579,953 434,854,087 425,107,165 5,568,267 5,483,976 5,441,930

New Mexico 159,369,547 161,482,187 160,469,027 1,031,757 1,041,884 1,073,149

New York 380,008,825 375,539,309 386,867,518 9,390,980 9,276,934 9,172,852

North Carolina 256,009,207 254,684,835 253,501,925 6,120,812 6,096,038 6,046,322

North Dakota 12,837,808 12,826,292 12,434,108 548,956 544,301 533,108

Ohio 326,164,889 330,744,627 325,624,066 6,521,046 6,455,142 6,403,742

Oklahoma 145,035,130 147,337,375 147,175,544 905,922 901,213 891,990

Oregon 167,623,792 147,929,412 145,107,984 2,662,809 2,586,147 2,509,746

Pennsylvania 615,830,135 608,085,366 619,183,536 7,859,450 7,765,098 7,618,465

Rhode Island 78,776,651 76,132,692 75,387,338 417,554 413,081 403,249

South Carolina 385,235,657 353,316,263 341,079,376 3,636,058 3,562,015 3,468,157

South Dakota 20,197,579 19,948,579 19,336,946 662,740 653,541 639,605

Tennessee 304,634,030 296,840,390 287,699,443 4,319,548 4,205,947 4,104,632

Texas 1,325,686,975 1,243,173,083 1,191,295,544 n/a n/a n/a

Utah 109,376,504 102,704,549 99,435,070 1,777,129 1,709,171 1,668,121

Vermont 23,140,969 23,000,168 23,013,637 434,694 436,608 435,839

Virginia 303,739,484 306,708,963 309,668,069 6,168,819 6,160,885 6,078,619

Washington 448,653,083 423,465,760 407,591,090 3,544,057 3,389,034 3,257,499

West Virginia 117,020,542 114,205,851 115,698,029 1,198,381 1,193,460 1,185,494

Wisconsin 178,657,683 172,803,835 171,657,130 3,916,496 3,867,536 3,812,284

Wyoming 11,829,424 12,079,466 11,957,952 391,457 390,728 388,525

Countrywide 13,127,199,651 12,499,430,596 12,189,598,208 167,645,641 164,611,876 162,257,393

CW w/o TX and MA 11,801,512,676 11,256,257,513 10,998,302,664 163,366,180 160,420,818 158,130,654

Table 21A

Uninsured/Underinsured Motorist 2014-2016


Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 195,683,973 201,290,281 173,086,447 7,000 7,717 6,835

Alaska 23,815,139 24,997,946 24,123,805 682 709 702

Arizona 296,092,277 300,650,464 257,353,456 8,612 9,477 8,391

Arkansas 71,751,764 67,380,486 54,042,194 3,906 3,730 3,354

California 1,116,660,012 980,978,781 876,367,029 42,695 43,577 41,694

Colorado 338,773,277 336,496,834 314,301,961 6,383 6,406 6,020

Connecticut 119,926,278 126,153,620 128,264,169 3,428 3,626 3,592

Delaware 31,959,102 40,443,262 37,416,585 1,353 1,617 1,526


Florida 1,016,581,816 1,078,368,552 965,097,225 36,922 38,685 35,566

Georgia 426,892,092 423,274,015 355,986,630 16,908 17,329 14,358

Hawaii 28,623,052 35,941,562 32,319,493 569 651 613

Idaho 28,734,683 24,354,426 25,392,112 994 968 912

Illinois 231,784,198 236,533,176 220,102,241 8,335 8,701 8,235

Indiana 134,656,759 129,329,410 111,203,764 4,950 5,023 4,726

Iowa 69,732,835 60,176,037 57,983,014 1,577 1,584 1,514

Kansas 51,048,398 46,461,810 37,757,224 1,258 1,110 976

Kentucky 150,387,916 154,707,887 141,415,540 4,650 4,938 4,595

Louisiana 299,160,299 337,536,013 287,948,802 11,958 14,403 12,449

Maine 19,561,431 13,803,424 15,665,895 373 300 324

Maryland 155,688,070 153,943,544 148,570,849 10,709 10,599 10,092

Massachusetts 77,647,967 70,739,486 68,365,959 3,339 3,193 3,072

Michigan 126,112,967 133,105,134 113,910,987 2,307 2,463 2,141

Minnesota 116,636,943 103,794,487 97,138,045 2,141 2,222 2,097

Mississippi 103,844,855 99,558,672 92,723,829 4,785 5,023 4,542

Missouri 177,777,839 171,106,063 138,663,844 6,202 6,349 5,307

Montana 21,238,122 27,303,326 25,529,513 535 622 623

Nebraska 46,150,163 42,964,500 44,338,392 1,086 1,065 1,086

Nevada 155,692,937 184,769,748 165,969,624 5,191 6,000 5,448

New Hampshire 28,508,904 20,014,373 22,106,434 525 556 563

New Jersey 234,325,823 262,439,789 269,097,641 5,859 6,388 6,790

New Mexico 79,494,284 84,746,677 91,120,203 2,641 2,712 3,040

New York 247,226,395 244,550,588 233,941,102 5,042 5,572 5,135

North Carolina 155,122,409 139,574,078 123,360,305 7,398 6,882 6,513

North Dakota 6,456,629 6,393,491 6,718,568 130 139 109

Ohio 215,800,975 207,055,536 185,504,944 11,186 10,857 10,498

Oklahoma 89,543,200 98,152,202 95,101,590 3,098 3,301 3,115

Oregon 120,993,094 97,506,109 91,935,644 4,288 4,080 3,713

Pennsylvania 395,070,199 408,305,721 422,939,323 8,813 9,108 9,368

Rhode Island 51,025,946 45,103,337 47,532,990 1,693 1,819 1,807

South Carolina 286,111,586 301,478,037 269,986,963 10,037 10,840 10,123

South Dakota 15,828,601 15,284,132 10,915,113 281 285 276

Tennessee 138,993,954 141,529,481 122,186,522 7,986 8,028 7,034

Texas 1,049,212,530 968,222,140 826,925,593 n/a n/a n/a

Utah 87,523,684 86,690,750 78,600,978 2,000 2,283 2,096

Vermont 8,826,766 13,620,586 8,216,103 364 481 447

Virginia 183,180,373 199,067,863 185,227,058 7,050 7,408 6,833

Washington 249,041,405 256,761,704 253,490,717 10,357 10,754 10,303

West Virginia 51,705,694 43,370,555 48,046,328 1,668 1,722 1,820

Wisconsin 134,068,223 129,928,546 112,340,713 3,883 4,102 3,544

Wyoming 7,988,408 7,693,716 6,156,428 124 174 160

Countrywide 9,480,932,747 9,397,048,921 8,534,499,613 294,194 306,531 284,976

CW w/o TX and MA 8,354,072,250 8,358,087,295 7,639,208,061 290,855 303,338 281,904

Table 21B-1



Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 348,486 415,943 277,114 57 51 42

Alaska 6,520,307 6,169,415 6,237,752 3,110 3,143 3,253

Arizona 138,149 697,258 94,337 89 78 67

Arkansas 32,476,378 31,721,414 25,989,354 13,864 15,344 14,303

California 45,091,186 38,288,737 34,385,005 20,535 18,540 17,285

Colorado 4,660,708 4,472,341 3,666,002 1,697 1,686 1,616

Connecticut 18,672 4,482 0 3 4 0

Delaware 8,115,528 7,935,787 6,816,564 5,071 5,109 4,940


Florida 6,308 0 788 2 0 1

Georgia 104,746,093 90,254,366 74,149,910 44,391 43,101 40,654

Hawaii 0 0 0 0 0 0

Idaho 895,849 921,965 664,513 445 488 384

Illinois 5,874,023 5,652,919 4,819,425 2,267 2,200 2,069

Indiana 31,747,339 26,846,638 24,281,797 13,973 13,720 13,087

Iowa 29,291 24,607 19,024 9 7 9

Kansas 86,316 86,275 97,463 34 42 41

Kentucky 80,743 99,293 71,766 16 14 17

Louisiana 5,094,083 4,514,779 3,994,333 1,553 1,484 1,419

Maine 0 2,015 0 0 2 0

Maryland 77,452,630 69,035,921 61,261,582 49,227 47,931 44,648


Michigan 43,670 11,522 8,767 11 5 9

Minnesota 38,601 10,992 46,702 21 13 22

Mississippi 44,384,217 40,616,971 35,326,527 19,546 19,374 18,592

Missouri 252,470 194,254 235,315 95 70 65

Montana 402,635 429,489 367,099 120 160 118

Nebraska 54,124 55,847 25,435 27 23 13

Nevada 37,024 48,510 360,715 16 27 31

New Hampshire 117,362 196,467 139,214 52 102 71

New Jersey 19,915,410 15,956,927 12,156,324 5,937 5,316 4,494

New Mexico 28,347,238 29,339,524 27,313,883 12,141 12,364 12,614

New York 12,085 0 892,826 2 0 80

North Carolina 14,539,659 13,500,810 11,311,538 9,107 7,839 6,870

North Dakota 2,547 7,545 0 3 4 0

Ohio 8,622,015 8,638,398 7,476,772 3,383 3,343 3,042

Oklahoma 7,720 9,896 1,301 2 3 1

Oregon 23,155,683 21,066,323 18,251,389 13,516 13,653 12,629

Pennsylvania 292 1,138 35,593 1 1 10

Rhode Island 7,188,546 7,111,985 5,984,831 2,467 2,747 2,341

South Carolina 44,308,047 37,155,257 31,007,571 25,564 25,007 22,852

South Dakota 3,001 15,486 9,010 3 5 3

Tennessee 83,465,295 72,797,729 63,611,864 38,182 37,329 34,300


Utah 859,047 814,174 750,238 370 368 370

Vermont 3,803,323 3,611,216 3,631,021 3,518 3,905 4,077

Virginia 50,133,016 44,562,817 42,823,363 61,405 58,823 55,469

Washington 85,157,608 80,027,322 69,711,593 38,600 38,035 34,751

West Virginia 11,296,966 10,936,866 10,026,765 4,732 4,886 5,530

Wisconsin 1,455,935 1,959,604 1,394,473 333 311 265

Wyoming 25,223 31,289 31,235 6 14 10

Countrywide 760,959,824 684,881,659 597,544,806 402,728 393,505 368,641

CW w/o TX and MA 760,959,824 684,881,659 597,544,806 402,728 393,505 368,641

Table 21B-2



Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 62.03 64.45 56.07 84.41 90.90 78.82

Alaska 68.24 70.94 70.30 57.76 56.74 53.31

Arizona 80.84 85.56 75.82 83.72 92.85 84.93

Arkansas 58.32 56.65 46.97 81.63 81.46 67.29

California 50.99 46.24 42.08 83.16 77.17 70.22

Colorado 162.59 168.00 157.80 100.39 112.76 112.31

Connecticut 50.74 54.17 55.70 63.68 68.04 69.37

Delaware 65.37 81.01 76.08 74.64 91.42 84.44


Florida 139.06 149.51 135.81 79.42 91.57 86.34

Georgia 88.40 85.52 70.52 93.37 98.50 87.88

Hawaii 36.54 47.11 44.01 39.76 51.22 47.73

Idaho 28.34 25.30 26.85 70.70 62.24 65.66

Illinois 35.75 36.81 34.28 70.68 72.24 68.13

Indiana 37.42 35.59 31.09 79.65 75.83 66.43

Iowa 29.27 25.54 24.90 82.54 71.44 69.39

Kansas 23.73 22.15 18.35 88.81 83.30 70.61

Kentucky 69.71 74.24 69.09 81.71 88.00 82.44

Louisiana 154.28 173.44 149.79 94.26 115.63 101.28

Maine 20.42 14.70 17.01 63.12 45.53 52.41

Maryland 58.71 57.11 54.53 79.12 76.84 71.69

Massachusetts 18.14 16.88 16.57 n/a n/a n/a

Michigan 22.62 24.38 21.19 75.10 83.77 75.95

Minnesota 29.50 26.90 25.61 68.17 62.92 59.64

Mississippi 87.79 83.72 78.17 80.62 77.87 72.92

Missouri 45.28 44.23 36.29 86.43 89.02 76.59

Montana 42.98 56.19 53.22 51.33 66.82 63.95

Nebraska 30.62 28.92 30.17 79.39 76.93 80.69

Nevada 126.64 154.77 143.13 90.00 117.72 112.69

New Hampshire 32.89 23.55 26.24 74.80 52.65 58.12

New Jersey 45.66 50.77 51.68 55.20 64.02 66.16

New Mexico 104.52 109.50 110.36 67.67 70.65 73.80

New York 26.33 26.36 25.60 65.06 65.12 60.70

North Carolina 27.72 25.11 22.27 66.27 60.10 53.12

North Dakota 11.77 11.76 12.60 50.31 49.91 54.03

Ohio 34.42 33.41 30.14 68.81 65.21 59.27

Oklahoma 98.85 108.92 106.62 61.74 66.62 64.62

Oregon 54.13 45.85 43.90 86.00 80.15 75.93

Pennsylvania 50.27 52.58 55.52 64.15 67.15 68.31

Rhode Island 139.42 126.40 132.72 73.90 68.58 70.99

South Carolina 90.87 95.07 86.79 85.77 95.84 88.25

South Dakota 23.89 23.41 17.08 78.38 76.70 56.49

Tennessee 51.50 50.96 45.27 73.03 72.20 64.58

Texas n/a n/a n/a 79.14 77.88 69.41

Utah 49.73 51.20 47.57 80.81 85.20 79.80

Vermont 29.06 39.47 27.18 54.58 74.92 51.48

Virginia 37.82 39.54 37.52 76.81 79.43 73.64

Washington 94.30 99.38 99.22 74.49 79.53 79.30

West Virginia 52.57 45.50 48.99 53.84 47.55 50.19

Wisconsin 34.60 34.10 29.83 75.86 76.32 66.26

Wyoming 20.47 19.77 15.93 67.74 63.95 51.75

Countrywide 61.09 61.25 56.28 78.02 80.66 74.92

CW w/o TX and MA 55.80 56.37 52.09 77.24 80.34 74.89

Table 21C



Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 61.92 64.32 55.98 84.26 90.72 78.69

Alaska 53.57 56.90 55.86 45.34 45.51 42.36

Arizona 80.80 85.36 75.79 83.68 92.63 84.90

Arkansas 40.15 38.52 31.72 56.19 55.38 45.44

California 49.01 44.51 40.49 79.93 74.27 67.57

Colorado 160.39 165.80 155.98 99.02 111.28 111.02

Connecticut 50.74 54.16 55.70 63.67 68.04 69.37

Delaware 52.13 67.72 64.36 59.53 76.42 71.43


Florida 139.06 149.51 135.81 79.42 91.57 86.34

Georgia 70.98 70.49 58.36 74.98 81.19 72.73

Hawaii 36.54 47.11 44.01 39.76 51.22 47.73

Idaho 27.48 24.38 26.16 68.56 59.97 63.98

Illinois 34.87 35.96 33.55 68.93 70.55 66.67

Indiana 30.28 29.47 25.52 64.46 62.79 54.53

Iowa 29.26 25.53 24.89 82.50 71.41 69.37

Kansas 23.69 22.11 18.30 88.66 83.15 70.43

Kentucky 69.67 74.19 69.06 81.67 87.94 82.40

Louisiana 151.70 171.16 147.74 92.68 114.11 99.90

Maine 20.42 14.70 17.01 63.12 45.52 52.41

Maryland 39.21 39.43 38.61 52.84 53.05 50.76


Michigan 22.62 24.38 21.19 75.07 83.76 75.95

Minnesota 29.49 26.90 25.59 68.15 62.91 59.61

Mississippi 61.50 59.46 56.60 56.48 55.31 52.80

Missouri 45.22 44.18 36.23 86.31 88.92 76.46

Montana 42.18 55.32 52.46 50.38 65.79 63.04

Nebraska 30.58 28.88 30.15 79.30 76.83 80.65

Nevada 126.61 154.73 142.82 89.97 117.69 112.44

New Hampshire 32.75 23.32 26.08 74.49 52.14 57.76

New Jersey 42.08 47.86 49.45 50.88 60.35 63.30

New Mexico 77.05 81.34 84.91 49.88 52.48 56.78

New York 26.33 26.36 25.50 65.06 65.12 60.47

North Carolina 25.34 22.90 20.40 60.59 54.80 48.66

North Dakota 11.76 11.75 12.60 50.29 49.85 54.03

Ohio 33.09 32.08 28.97 66.16 62.60 56.97

Oklahoma 98.84 108.91 106.62 61.74 66.62 64.62

Oregon 45.44 37.70 36.63 72.18 65.91 63.36

Pennsylvania 50.27 52.58 55.52 64.15 67.15 68.31

Rhode Island 122.20 109.19 117.88 64.77 59.24 63.05

South Carolina 78.69 84.64 77.85 74.27 85.33 79.16

South Dakota 23.88 23.39 17.07 78.37 76.62 56.45

Tennessee 32.18 33.65 29.77 45.63 47.68 42.47

Texas n/a n/a n/a 79.14 77.88 69.41

Utah 49.25 50.72 47.12 80.02 84.41 79.05

Vermont 20.31 31.20 18.85 38.14 59.22 35.70

Virginia 29.69 32.31 30.47 60.31 64.90 59.81

Washington 70.27 75.76 77.82 55.51 60.63 62.19

West Virginia 43.15 36.34 40.53 44.19 37.98 41.53

Wisconsin 34.23 33.59 29.47 75.04 75.19 65.44

Wyoming 20.41 19.69 15.85 67.53 63.69 51.48

Countrywide 56.55 57.09 52.60 72.22 75.18 70.01

CW w/o TX and MA 51.14 52.10 48.31 70.79 74.25 69.46

Table 21C-1



Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0.11 0.13 0.09 0.15 0.19 0.13

Alaska 14.67 14.04 14.44 12.41 11.23 10.95

Arizona 0.04 0.20 0.03 0.04 0.21 0.03

Arkansas 18.17 18.13 15.25 25.43 26.07 21.85

California 1.98 1.74 1.59 3.23 2.90 2.65

Colorado 2.21 2.20 1.82 1.36 1.48 1.29

Connecticut 0.01 0.00 0.00 0.01 0.00 0.00

Delaware 13.24 13.29 11.72 15.12 15.00 13.01


Florida 0.00 0.00 0.00 0.00 0.00 0.00

Georgia 17.42 15.03 12.16 18.40 17.31 15.15

Hawaii 0.00 0.00 0.00 0.00 0.00 0.00

Idaho 0.86 0.92 0.68 2.14 2.27 1.67

Illinois 0.88 0.86 0.73 1.75 1.69 1.46

Indiana 7.14 6.12 5.57 15.20 13.03 11.91

Iowa 0.01 0.01 0.01 0.03 0.03 0.02

Kansas 0.04 0.04 0.05 0.15 0.15 0.18

Kentucky 0.04 0.05 0.04 0.04 0.06 0.04

Louisiana 2.58 2.29 2.05 1.58 1.53 1.39

Maine 0.00 0.00 0.00 0.00 0.01 0.00

Maryland 19.51 17.68 15.92 26.29 23.79 20.93


Michigan 0.01 0.00 0.00 0.03 0.01 0.01

Minnesota 0.01 0.00 0.01 0.02 0.01 0.03

Mississippi 26.29 24.26 21.57 24.14 22.56 20.12

Missouri 0.06 0.05 0.06 0.12 0.10 0.13

Montana 0.80 0.87 0.75 0.96 1.03 0.91

Nebraska 0.04 0.04 0.02 0.09 0.10 0.05

Nevada 0.03 0.04 0.31 0.02 0.03 0.24

New Hampshire 0.13 0.23 0.16 0.31 0.51 0.36

New Jersey 3.58 2.91 2.23 4.32 3.67 2.86

New Mexico 27.47 28.16 25.45 17.79 18.17 17.02

New York 0.00 0.00 0.10 0.00 0.00 0.23

North Carolina 2.38 2.21 1.87 5.68 5.30 4.46

North Dakota 0.00 0.01 0.00 0.02 0.06 0.00

Ohio 1.32 1.34 1.17 2.64 2.61 2.30

Oklahoma 0.01 0.01 0.00 0.01 0.01 0.00

Oregon 8.70 8.15 7.27 13.81 14.24 12.58

Pennsylvania 0.00 0.00 0.00 0.00 0.00 0.01

Rhode Island 17.22 17.22 14.84 9.13 9.34 7.94

South Carolina 12.19 10.43 8.94 11.50 10.52 9.09

South Dakota 0.00 0.02 0.01 0.01 0.08 0.05

Tennessee 19.32 17.31 15.50 27.40 24.52 22.11

Texas n/a n/a n/a 0.00 0.00 0.00

Utah 0.48 0.48 0.45 0.79 0.79 0.75

Vermont 8.75 8.27 8.33 16.44 15.70 15.78

Virginia 8.13 7.23 7.04 16.51 14.53 13.83

Washington 24.03 23.61 21.40 18.98 18.90 17.10

West Virginia 9.43 9.16 8.46 9.65 9.58 8.67

Wisconsin 0.37 0.51 0.37 0.81 1.13 0.81

Wyoming 0.06 0.08 0.08 0.21 0.26 0.26

Countrywide 4.54 4.16 3.68 5.80 5.48 4.90

CW w/o TX and MA 4.66 4.27 3.78 6.45 6.08 5.43

Table 21C-2



Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0.22 0.25 0.22 27,954.85 26,084.01 25,323.55

Alaska 0.15 0.16 0.16 34,919.56 35,258.03 34,364.39

Arizona 0.24 0.27 0.25 34,381.36 31,724.22 30,670.18

Arkansas 0.22 0.21 0.20 18,369.63 18,064.47 16,112.76

California 0.19 0.20 0.19 26,154.35 22,511.39 21,019.02

Colorado 0.30 0.32 0.30 53,074.30 52,528.38 52,209.63

Connecticut 0.15 0.16 0.16 34,984.33 34,791.40 35,708.29

Delaware 0.22 0.27 0.26 23,620.92 25,011.29 24,519.39


Florida 0.51 0.54 0.50 27,533.23 27,875.62 27,135.39

Georgia 0.28 0.29 0.24 25,247.94 24,425.76 24,793.61

Hawaii 0.07 0.09 0.08 50,304.13 55,209.77 52,723.48

Idaho 0.10 0.10 0.09 28,908.13 25,159.53 27,842.23

Illinois 0.13 0.13 0.13 27,808.54 27,184.60 26,727.66

Indiana 0.11 0.11 0.11 27,203.39 25,747.44 23,530.21

Iowa 0.07 0.07 0.06 44,218.67 37,989.92 38,297.90

Kansas 0.06 0.05 0.05 40,579.01 41,857.49 38,685.68

Kentucky 0.22 0.24 0.22 32,341.49 31,330.07 30,775.96

Louisiana 0.61 0.73 0.64 25,017.59 23,435.12 23,130.28

Maine 0.04 0.03 0.04 52,443.51 46,011.41 48,351.53

Maryland 0.27 0.27 0.26 14,538.06 14,524.35 14,721.65

Massachusetts 0.08 0.08 0.07 23,254.86 22,154.55 22,254.54

Michigan 0.04 0.05 0.04 54,665.35 54,041.87 53,204.57

Minnesota 0.05 0.06 0.06 54,477.79 46,712.19 46,322.39

Mississippi 0.28 0.30 0.28 21,702.16 19,820.56 20,414.76

Missouri 0.16 0.16 0.14 28,664.60 26,950.08 26,128.48

Montana 0.11 0.13 0.13 39,697.42 43,896.02 40,978.35

Nebraska 0.07 0.07 0.07 42,495.55 40,342.25 40,827.25

Nevada 0.42 0.50 0.47 29,992.86 30,794.96 30,464.32

New Hampshire 0.06 0.06 0.07 54,302.67 35,997.07 39,265.42

New Jersey 0.11 0.12 0.12 39,994.17 41,083.25 39,631.46

New Mexico 0.26 0.26 0.28 30,100.07 31,248.77 29,973.75

New York 0.05 0.06 0.06 49,033.40 43,889.19 45,558.15

North Carolina 0.12 0.11 0.11 20,968.15 20,281.03 18,940.63

North Dakota 0.02 0.03 0.02 49,666.38 45,996.34 61,638.24

Ohio 0.17 0.17 0.16 19,292.06 19,071.16 17,670.50

Oklahoma 0.34 0.37 0.35 28,903.55 29,734.08 30,530.21

Oregon 0.16 0.16 0.15 28,216.67 23,898.56 24,760.48

Pennsylvania 0.11 0.12 0.12 44,828.12 44,829.35 45,147.24

Rhode Island 0.41 0.44 0.45 30,139.37 24,795.68 26,304.92

South Carolina 0.28 0.30 0.29 28,505.69 27,811.63 26,670.65

South Dakota 0.04 0.04 0.04 56,329.54 53,628.53 39,547.51

Tennessee 0.18 0.19 0.17 17,404.70 17,629.48 17,370.84


Utah 0.11 0.13 0.13 43,761.84 37,972.30 37,500.47

Vermont 0.08 0.11 0.10 24,249.36 28,317.23 18,380.54

Virginia 0.11 0.12 0.11 25,983.03 26,872.01 27,107.72

Washington 0.29 0.32 0.32 24,045.71 23,875.93 24,603.58

West Virginia 0.14 0.14 0.15 30,998.62 25,186.15 26,399.08

Wisconsin 0.10 0.11 0.09 34,526.97 31,674.44 31,698.85

Wyoming 0.03 0.04 0.04 64,422.65 44,216.76 38,477.68

Countrywide 0.18 0.19 0.18 32,226.81 30,656.11 29,948.13

CW w/o TX and MA 0.18 0.19 0.18 28,722.46 27,553.71 27,098.62

Table 21D-1



Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0.00 0.00 0.00 6,113.79 8,155.75 6,597.95

Alaska 0.70 0.72 0.75 2,096.56 1,962.91 1,917.54

Arizona 0.00 0.00 0.00 1,552.24 8,939.21 1,408.01

Arkansas 0.78 0.88 0.84 2,342.50 2,067.35 1,817.06

California 0.09 0.08 0.08 2,195.82 2,065.20 1,989.30

Colorado 0.08 0.08 0.08 2,746.44 2,652.63 2,268.57

Connecticut 0.00 0.00 0.00 6,224.00 1,120.50 -

Delaware 0.83 0.86 0.85 1,600.38 1,553.30 1,379.87


Florida 0.00 0.00 0.00 3,154.00 - 788.00

Georgia 0.74 0.72 0.67 2,359.62 2,094.02 1,823.93

Hawaii 0.00 0.00 0.00 - - -

Idaho 0.04 0.05 0.04 2,013.14 1,889.27 1,730.50

Illinois 0.03 0.03 0.03 2,591.10 2,569.51 2,329.35

Indiana 0.31 0.31 0.30 2,272.05 1,956.75 1,855.41

Iowa 0.00 0.00 0.00 3,254.56 3,515.29 2,113.78

Kansas 0.00 0.00 0.00 2,538.71 2,054.17 2,377.15

Kentucky 0.00 0.00 0.00 5,046.44 7,092.36 4,221.53

Louisiana 0.08 0.08 0.07 3,280.16 3,042.30 2,814.89

Maine 0.00 0.00 0.00 - 1,007.50 -

Maryland 1.24 1.23 1.16 1,573.38 1,440.32 1,372.10

Massachusetts 0.00 0.00 0.00 - - -

Michigan 0.00 0.00 0.00 3,970.00 2,304.40 974.11

Minnesota 0.00 0.00 0.00 1,838.14 845.54 2,122.82

Mississippi 1.16 1.16 1.13 2,270.76 2,096.47 1,900.09

Missouri 0.00 0.00 0.00 2,657.58 2,775.06 3,620.23

Montana 0.02 0.03 0.02 3,355.29 2,684.31 3,111.01

Nebraska 0.00 0.00 0.00 2,004.59 2,428.13 1,956.54

Nevada 0.00 0.00 0.00 2,314.00 1,796.67 11,635.97

New Hampshire 0.01 0.01 0.01 2,256.96 1,926.15 1,960.76

New Jersey 0.11 0.10 0.08 3,354.46 3,001.68 2,705.01

New Mexico 1.18 1.19 1.18 2,334.84 2,372.98 2,165.36

New York 0.00 0.00 0.00 6,042.50 - 11,160.33

North Carolina 0.15 0.13 0.11 1,596.54 1,722.26 1,646.51

North Dakota 0.00 0.00 0.00 849.00 1,886.25 -

Ohio 0.05 0.05 0.05 2,548.63 2,584.03 2,457.85

Oklahoma 0.00 0.00 0.00 3,860.00 3,298.67 1,301.00

Oregon 0.51 0.53 0.50 1,713.21 1,542.98 1,445.20

Pennsylvania 0.00 0.00 0.00 292.00 1,138.00 3,559.30

Rhode Island 0.59 0.67 0.58 2,913.88 2,589.00 2,556.53

South Carolina 0.70 0.70 0.66 1,733.22 1,485.79 1,356.89

South Dakota 0.00 0.00 0.00 1,000.33 3,097.20 3,003.33

Tennessee 0.88 0.89 0.84 2,185.99 1,950.17 1,854.57


Utah 0.02 0.02 0.02 2,321.75 2,212.43 2,027.67

Vermont 0.81 0.89 0.94 1,081.10 924.77 890.61

Virginia 1.00 0.95 0.91 816.43 757.57 772.02

Washington 1.09 1.12 1.07 2,206.16 2,104.04 2,006.03

West Virginia 0.39 0.41 0.47 2,387.36 2,238.41 1,813.16

Wisconsin 0.01 0.01 0.01 4,372.18 6,300.98 5,262.16

Wyoming 0.00 0.00 0.00 4,203.83 2,234.93 3,123.50

Countrywide 0.24 0.24 0.23 1,889.51 1,740.46 1,620.94

CW w/o TX and MA 0.25 0.25 0.23 1,889.51 1,740.46 1,620.94

Table 21D-2



Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0 0 0 0 0 0

Alaska 1,004 1,481 1,590 4 5 5

Arizona 0 0 0 0 0 0

Arkansas 69 397 150 1 3 1

California 291,996 279,957 262,546 5,921 5,528 4,885


Connecticut 10,841 7,477 13,880 117 79 137

Delaware 131 71 15 1 1 0


Florida 9,330 5,269 6,489 13 8 15

Georgia 0 0 0 0 0 0

Hawaii 11,166 12,912 10,842 41 45 53

Idaho 13 29 28 1 0 2

Illinois 11,989 15,643 19,203 249 292 360

Indiana 268 242 179 3 4 5

Iowa 233 268 266 6 8 9

Kansas 43,791 48,148 50,322 1,488 1,653 1,767

Kentucky 6,513 6,044 4,195 33 33 21

Louisiana 954 785 176 3 3 1

Maine 120 135 224 2 4 8

Maryland 4,332,604 4,251,131 3,946,855 43,140 43,905 40,869

Massachusetts n/a n/a n/a 53,821 54,367 69,503

Michigan 58,973 48,431 73,037 3,227 3,114 3,555

Minnesota 43 72 148 3 1 4

Mississippi 809 773 1,020 3 3 6

Missouri 584 161 29 8 2 1

Montana 69 49 912 3 2 6

Nebraska 432 57 3 5 1 0

Nevada 630 133 0 2 1 0

New Hampshire 4,787 6,132 7,839 67 84 104

New Jersey 144,328 220,231 353,145 2,114 3,329 5,623

New Mexico 354 85 131 1 1 2

New York 1,413,675 1,426,856 1,643,811 32,532 33,128 38,791



Ohio 0 0 0 0 0 0

Oklahoma 872 989 792 2 1 2

Oregon 0 0 0 0 0 0

Pennsylvania 22,865 28,978 35,036 149 198 233

Rhode Island 853,383 760,740 627,721 1,468 1,278 1,070

South Carolina 493 -1 138 4 0 1


Tennessee 241 380 274 2 3 3

Texas 60,462 59,513 63,350 n/a n/a n/a

Utah 0 -1 90 0 0 2

Vermont 1,815 3,028 2,975 24 39 38

Virginia 26,097 27,339 32,088 377 382 445

Washington 953 428 92 3 1 0

West Virginia 2,518 1,396 1,035 20 10 5

Wisconsin 83 137 44 1 2 0

Wyoming 0 0 0 0 0 0

Countrywide 7,334,992 7,232,290 7,189,507 144,955 147,595 167,652

CW w/o TX and MA 7,274,530 7,172,777 7,126,157 91,134 93,228 98,149

Table 22A



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0 0 0 0 0 0

Alaska 0 0 0 0 0 0

Arizona 0 0 0 0 0 0


California 120,013 181,142 77,906 13 16 17


Connecticut 0 0 48,213 0 0 1


District of Columbia 0 0 1,719 0 0 1

Florida 0 0 10,531 0 0 1

Georgia 0 0 0 0 0 0

Hawaii 0 0 0 0 0 0

Idaho 0 0 0 0 0 0


Indiana 0 0 0 0 0 0

Iowa 0 0 0 0 0 0

Kansas 118,008 48,887 0 3 2 0

Kentucky 1,350 11,916 0 1 1 0


Maine 0 0 0 0 0 0

Maryland 4,439,300 4,212,711 3,186,048 973 1,144 962

Massachusetts 1,669,303 1,607,474 1,586,593 159 144 183

Michigan 406,702 143,954 213,869 13 12 15




Montana 0 0 0 0 0 0


Nevada 0 0 0 0 0 0


New Jersey 38,277 172,033 305,706 4 7 18


New York 1,672,649 1,134,179 1,326,583 85 69 77



Ohio 0 0 0 0 0 0

Oklahoma 0 111,513 0 0 1 0

Oregon 0 0 0 0 0 0

Pennsylvania 12,229 17,210 81,517 1 1 1

Rhode Island 817,861 562,988 528,501 52 53 32




Texas 35,527 30,013 54,533 n/a n/a n/a

Utah 0 0 0 0 0 0

Vermont 0 0 0 0 0 0

Virginia 0 23,678 0 0 1 0




Wyoming 0 0 0 0 0 0

Countrywide 9,331,219 8,257,698 7,421,719 1,304 1,451 1,308

CW w/o TX and MA 7,626,389 6,620,211 5,780,593 1,145 1,307 1,125

Table 22B-1



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0 0 0 0 0 0

Alaska 0 0 0 0 0 0

Arizona 0 0 0 0 0 0


California 0 2,161 0 0 1 0




District of Columbia 4,648 584 1,136 1 1 1

Florida 0 0 0 0 0 0

Georgia 0 0 0 0 0 0

Hawaii 0 0 0 0 0 0

Idaho 0 0 0 0 0 0

Illinois 5,136 0 0 2 0 0

Indiana 4,379 0 0 1 0 0

Iowa 0 0 0 0 0 0

Kansas 0 0 0 0 1 0



Maine 0 0 0 0 0 0







Montana 0 0 0 0 0 0


Nevada 0 0 0 0 0 0

New Hampshire 0 0 3,769 0 0 1

New Jersey 31,185 23,030 69,352 7 5 16


New York 0 0 0 0 0 0



Ohio 0 0 0 0 0 0


Oregon 0 0 0 0 0 0


Rhode Island 426,227 311,530 244,100 100 63 65





Utah 0 0 0 0 0 0

Vermont 0 0 0 0 0 0

Virginia 5,795 6,207 13,285 7 5 4




Wyoming 0 0 0 0 0 0

Countrywide 477,370 343,512 331,642 118 76 87

CW w/o TX and MA 477,370 343,512 331,642 118 76 87

Table 22B-2



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama - - - - - -

Alaska 0.00 0.00 0.00 0.00 0.00 0.00

Arizona - - - - - -

Arkansas 0.00 0.00 0.00 0.00 0.00 0.00

California 20.27 33.16 15.95 41.10 65.48 29.67


Connecticut 0.00 0.00 351.92 0.00 0.00 347.36

Delaware 0.00 0.00 - 0.00 0.00 0.00


Florida 0.00 0.00 702.07 0.00 0.00 162.29

Georgia - - - - - -

Hawaii 0.00 0.00 0.00 0.00 0.00 0.00

Idaho 0.00 - 0.00 0.00 0.00 0.00

Illinois 20.63 0.00 0.00 42.84 0.00 0.00

Indiana 1,459.67 0.00 0.00 1,633.96 0.00 0.00

Iowa 0.00 0.00 0.00 0.00 0.00 0.00

Kansas 79.31 29.57 0.00 269.48 101.53 0.00

Kentucky 40.91 361.09 0.00 20.73 197.15 0.00

Louisiana 0.00 0.00 0.00 0.00 0.00 0.00

Maine 0.00 0.00 0.00 0.00 0.00 0.00

Maryland 102.90 95.95 77.96 102.46 99.10 80.72


Michigan 126.03 46.23 60.16 689.64 297.24 292.82

Minnesota 0.00 0.00 0.00 0.00 0.00 0.00

Mississippi 0.00 0.00 0.00 0.00 0.00 0.00

Missouri 0.00 0.00 0.00 0.00 0.00 0.00

Montana 0.00 0.00 0.00 0.00 0.00 0.00

Nebraska 0.00 0.00 - 0.00 0.00 0.00

Nevada 0.00 0.00 - 0.00 0.00 -

New Hampshire 0.00 0.00 36.24 0.00 0.00 48.08

New Jersey 32.86 58.60 66.70 48.13 88.57 106.21

New Mexico 0.00 0.00 0.00 0.00 0.00 0.00

New York 51.42 34.24 34.20 118.32 79.49 80.70


North Dakota - 0.00 0.00 0.00 0.00 0.00

Ohio - - - - - -

Oklahoma 0.00 111,513.00 0.00 0.00 11,275.33 0.00

Oregon - - - - - -

Pennsylvania 82.07 86.92 349.86 53.48 59.39 232.67

Rhode Island 847.47 684.29 722.06 145.78 114.96 123.08

South Carolina 0.00 - 0.00 0.00 0.00 0.00

South Dakota - 0.00 - - 0.00 0.00

Tennessee 0.00 0.00 0.00 0.00 0.00 0.00

Texas n/a n/a n/a 58.76 50.43 86.08

Utah - - 0.00 - 0.00 0.00

Vermont 0.00 0.00 0.00 0.00 0.00 0.00

Virginia 15.37 78.23 29.85 22.21 109.31 41.40

Washington 0.00 0.00 - 0.00 0.00 0.00

West Virginia 0.00 0.00 0.00 0.00 0.00 0.00

Wisconsin 0.00 0.00 - 0.00 0.00 0.00

Wyoming - - - - - -

Countrywide 67.67 58.28 46.25 133.72 118.93 107.84

CW w/o TX and MA 88.92 74.70 62.28 111.40 97.09 85.77

Table 22C



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama - - - - - -

Alaska 0.00 0.00 0.00 0.00 0.00 0.00

Arizona - - - - - -

Arkansas 0.00 0.00 0.00 0.00 0.00 0.00

California 20.27 32.77 15.95 41.10 64.70 29.67


Connecticut 0.00 0.00 351.92 0.00 0.00 347.36

Delaware 0.00 0.00 - 0.00 0.00 0.00


Florida 0.00 0.00 702.07 0.00 0.00 162.29

Georgia - - - - - -

Hawaii 0.00 0.00 0.00 0.00 0.00 0.00

Idaho 0.00 - 0.00 0.00 0.00 0.00

Illinois 0.00 0.00 0.00 0.00 0.00 0.00

Indiana 0.00 0.00 0.00 0.00 0.00 0.00

Iowa 0.00 0.00 0.00 0.00 0.00 0.00

Kansas 79.31 29.57 0.00 269.48 101.53 0.00

Kentucky 40.91 361.09 0.00 20.73 197.15 0.00

Louisiana 0.00 0.00 0.00 0.00 0.00 0.00

Maine 0.00 0.00 0.00 0.00 0.00 0.00

Maryland 102.90 95.95 77.96 102.46 99.10 80.72


Michigan 126.03 46.23 60.16 689.64 297.24 292.82

Minnesota 0.00 0.00 0.00 0.00 0.00 0.00

Mississippi 0.00 0.00 0.00 0.00 0.00 0.00

Missouri 0.00 0.00 0.00 0.00 0.00 0.00

Montana 0.00 0.00 0.00 0.00 0.00 0.00

Nebraska 0.00 0.00 - 0.00 0.00 0.00

Nevada 0.00 0.00 - 0.00 0.00 -

New Hampshire 0.00 0.00 0.00 0.00 0.00 0.00

New Jersey 18.11 51.68 54.37 26.52 78.11 86.57

New Mexico 0.00 0.00 0.00 0.00 0.00 0.00

New York 51.42 34.24 34.20 118.32 79.49 80.70


North Dakota - 0.00 0.00 0.00 0.00 0.00

Ohio - - - - - -

Oklahoma 0.00 111,513.00 0.00 0.00 11,275.33 0.00

Oregon - - - - - -

Pennsylvania 82.07 86.92 349.86 53.48 59.39 232.67

Rhode Island 557.13 440.52 493.93 95.84 74.01 84.19

South Carolina 0.00 - 0.00 0.00 0.00 0.00

South Dakota - 0.00 - - 0.00 0.00

Tennessee 0.00 0.00 0.00 0.00 0.00 0.00

Texas n/a n/a n/a 58.76 50.43 86.08

Utah - - 0.00 - 0.00 0.00

Vermont 0.00 0.00 0.00 0.00 0.00 0.00

Virginia 0.00 61.98 0.00 0.00 86.61 0.00

Washington 0.00 0.00 - 0.00 0.00 0.00

West Virginia 0.00 0.00 0.00 0.00 0.00 0.00

Wisconsin 0.00 0.00 - 0.00 0.00 0.00

Wyoming - - - - - -

Countrywide 64.37 55.95 44.27 127.22 114.18 103.23

CW w/o TX and MA 83.68 71.01 58.90 104.84 92.30 81.12

Table 22C-1



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama - - - - - -

Alaska 0.00 0.00 0.00 0.00 0.00 0.00

Arizona - - - - - -

Arkansas 0.00 0.00 0.00 0.00 0.00 0.00

California 0.00 0.39 0.00 0.00 0.77 0.00


Connecticut 0.00 0.00 0.00 0.00 0.00 0.00

Delaware 0.00 0.00 - 0.00 0.00 0.00


Florida 0.00 0.00 0.00 0.00 0.00 0.00

Georgia - - - - - -

Hawaii 0.00 0.00 0.00 0.00 0.00 0.00

Idaho 0.00 - 0.00 0.00 0.00 0.00

Illinois 20.63 0.00 0.00 42.84 0.00 0.00

Indiana 1,459.67 0.00 0.00 1,633.96 0.00 0.00

Iowa 0.00 0.00 0.00 0.00 0.00 0.00

Kansas 0.00 0.00 0.00 0.00 0.00 0.00

Kentucky 0.00 0.00 0.00 0.00 0.00 0.00

Louisiana 0.00 0.00 0.00 0.00 0.00 0.00

Maine 0.00 0.00 0.00 0.00 0.00 0.00

Maryland 0.00 0.00 0.00 0.00 0.00 0.00


Michigan 0.00 0.00 0.00 0.00 0.00 0.00

Minnesota 0.00 0.00 0.00 0.00 0.00 0.00

Mississippi 0.00 0.00 0.00 0.00 0.00 0.00

Missouri 0.00 0.00 0.00 0.00 0.00 0.00

Montana 0.00 0.00 0.00 0.00 0.00 0.00

Nebraska 0.00 0.00 - 0.00 0.00 0.00

Nevada 0.00 0.00 - 0.00 0.00 -

New Hampshire 0.00 0.00 36.24 0.00 0.00 48.08

New Jersey 14.75 6.92 12.33 21.61 10.46 19.64

New Mexico 0.00 0.00 0.00 0.00 0.00 0.00

New York 0.00 0.00 0.00 0.00 0.00 0.00


North Dakota - 0.00 0.00 0.00 0.00 0.00

Ohio - - - - - -

Oklahoma 0.00 0.00 0.00 0.00 0.00 0.00

Oregon - - - - - -

Pennsylvania 0.00 0.00 0.00 0.00 0.00 0.00

Rhode Island 290.35 243.76 228.13 49.95 40.95 38.89

South Carolina 0.00 - 0.00 0.00 0.00 0.00

South Dakota - 0.00 - - 0.00 0.00

Tennessee 0.00 0.00 0.00 0.00 0.00 0.00

Texas n/a n/a n/a 0.00 0.00 0.00

Utah - - 0.00 - 0.00 0.00

Vermont 0.00 0.00 0.00 0.00 0.00 0.00

Virginia 15.37 16.25 29.85 22.21 22.70 41.40

Washington 0.00 0.00 - 0.00 0.00 0.00

West Virginia 0.00 0.00 0.00 0.00 0.00 0.00

Wisconsin 0.00 0.00 - 0.00 0.00 0.00

Wyoming - - - - - -

Countrywide 3.29 2.33 1.98 6.51 4.75 4.61

CW w/o TX and MA 5.24 3.68 3.38 6.56 4.79 4.65

Table 22C-2



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama - - - - - -

Alaska 0.00 0.00 0.00 - - -

Arizona - - - - - -

Arkansas 0.00 0.00 0.00 - - -

California 0.22 0.29 0.35 9,231.77 11,321.38 4,582.71


Connecticut 0.00 0.00 0.73 - - 48,213.00

Delaware 0.00 0.00 - - - -

District of Columbia 0.00 0.00 0.87 - - 1,719.00

Florida 0.00 0.00 6.67 - - 10,531.00

Georgia - - - - - -

Hawaii 0.00 0.00 0.00 - - -

Idaho 0.00 - 0.00 - - -

Illinois 0.00 0.00 0.00 - - -

Indiana 0.00 0.00 0.00 - - -

Iowa 0.00 0.00 0.00 - - -

Kansas 0.20 0.12 0.00 39,336.00 24,443.50 -

Kentucky 3.03 3.03 0.00 1,350.00 11,916.00 -

Louisiana 0.00 0.00 0.00 - - -

Maine 0.00 0.00 0.00 - - -

Maryland 2.26 2.61 2.35 4,562.49 3,682.44 3,311.90

Massachusetts 0.30 0.26 0.26 10,498.76 11,163.01 8,669.91

Michigan 0.40 0.39 0.42 31,284.77 11,996.17 14,257.93

Minnesota 0.00 0.00 0.00 - - -

Mississippi 0.00 0.00 0.00 - - -

Missouri 0.00 0.00 0.00 - - -

Montana 0.00 0.00 0.00 - - -

Nebraska 0.00 0.00 - - - -

Nevada 0.00 0.00 - - - -

New Hampshire 0.00 0.00 0.00 - - -

New Jersey 0.19 0.21 0.32 9,569.25 24,576.14 16,983.67

New Mexico 0.00 0.00 0.00 - - -

New York 0.26 0.21 0.20 19,678.22 16,437.38 17,228.35


North Dakota - 0.00 0.00 - - -

Ohio - - - - - -

Oklahoma 0.00 100.00 0.00 - 111,513.00 -

Oregon - - - - - -

Pennsylvania 0.67 0.51 0.43 12,229.00 17,210.00 81,517.00

Rhode Island 3.54 4.15 2.99 15,728.10 10,622.42 16,515.66


South Dakota - 0.00 - - - -

Tennessee 0.00 0.00 0.00 - - -


Utah - - 0.00 - - -

Vermont 0.00 0.00 0.00 - - -

Virginia 0.00 0.26 0.00 - 23,678.00 -

Washington 0.00 0.00 - - - -

West Virginia 0.00 0.00 0.00 - - -

Wisconsin 0.00 0.00 - - - -

Wyoming - - - - - -

Countrywide 0.90 0.98 0.78 7,155.84 5,691.04 5,674.10

CW w/o TX and MA 1.26 1.40 1.15 6,660.60 5,065.20 5,138.30

Table 22D-1



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama - - - - - -

Alaska 0.00 0.00 0.00 - - -

Arizona - - - - - -

Arkansas 0.00 0.00 0.00 - - -

California 0.00 0.02 0.00 - 2,161.00 -


Connecticut 0.00 0.00 0.00 - - -

Delaware 0.00 0.00 - - - -

District of Columbia 1.04 1.37 0.87 4,648.00 584.00 1,136.00

Florida 0.00 0.00 0.00 - - -

Georgia - - - - - -

Hawaii 0.00 0.00 0.00 - - -

Idaho 0.00 - 0.00 - - -

Illinois 0.80 0.00 0.00 2,568.00 - -

Indiana 33.33 0.00 0.00 4,379.00 - -

Iowa 0.00 0.00 0.00 - - -

Kansas 0.00 0.06 0.00 - 0.00 -

Kentucky 0.00 0.00 0.00 - - -

Louisiana 0.00 0.00 0.00 - - -

Maine 0.00 0.00 0.00 - - -

Maryland 0.00 0.00 0.00 - - -

Massachusetts 0.00 0.00 0.00 - - -

Michigan 0.00 0.00 0.00 - - -

Minnesota 0.00 0.00 0.00 - - -

Mississippi 0.00 0.00 0.00 - - -

Missouri 0.00 0.00 0.00 - - -

Montana 0.00 0.00 0.00 - - -

Nebraska 0.00 0.00 - - - -

Nevada 0.00 0.00 - - - -

New Hampshire 0.00 0.00 0.96 - - 3,769.00

New Jersey 0.33 0.15 0.28 4,455.00 4,606.00 4,334.50

New Mexico 0.00 0.00 0.00 - - -

New York 0.00 0.00 0.00 - - -


North Dakota - 0.00 0.00 - - -

Ohio - - - - - -

Oklahoma 0.00 0.00 0.00 - - -

Oregon - - - - - -

Pennsylvania 0.00 0.00 0.00 - - -

Rhode Island 6.81 4.93 6.07 4,262.27 4,944.92 3,755.38


South Dakota - 0.00 - - - -

Tennessee 0.00 0.00 0.00 - - -


Utah - - 0.00 - - -

Vermont 0.00 0.00 0.00 - - -

Virginia 1.86 1.31 0.90 827.86 1,241.40 3,321.25

Washington 0.00 0.00 - - - -

West Virginia 0.00 0.00 0.00 - - -

Wisconsin 0.00 0.00 - - - -

Wyoming - - - - - -

Countrywide 0.08 0.05 0.05 4,045.51 4,519.89 3,811.98

CW w/o TX and MA 0.13 0.08 0.09 4,045.51 4,519.89 3,811.98

Table 22D-2



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 232,229,895 221,890,273 219,960,047 3,160,460 3,129,716 3,092,165

Alaska 52,522,994 54,928,662 56,956,202 444,524 439,365 431,872

Arizona 353,826,457 324,570,457 303,121,063 3,664,375 3,522,011 3,395,633

Arkansas 127,687,692 121,660,614 118,943,739 1,787,203 1,749,331 1,703,751

California 1,397,340,397 1,321,101,838 1,297,298,871 22,790,302 22,047,172 21,649,953

Colorado 342,114,265 302,383,297 283,107,697 2,112,209 2,029,579 2,015,060

Connecticut 188,354,537 185,424,848 184,911,045 2,363,812 2,329,184 2,302,832

Delaware 53,687,402 52,920,121 52,385,149 613,074 597,185 581,398


Florida 1,280,086,197 1,177,612,563 1,117,843,475 7,310,437 7,212,645 7,106,189

Georgia 569,368,324 521,344,774 489,464,259 6,014,032 6,004,717 6,099,544

Hawaii 71,993,824 70,189,336 67,717,211 783,306 762,988 734,415

Idaho 41,908,836 40,612,401 39,685,859 1,045,556 999,054 970,543

Illinois 336,258,922 335,266,975 330,138,402 6,647,706 6,578,799 6,561,543

Indiana 208,909,962 205,958,822 203,949,563 4,446,852 4,388,253 4,357,599

Iowa 84,522,212 84,273,272 83,583,824 2,383,131 2,357,248 2,329,264

Kansas 57,621,369 55,928,373 53,658,438 2,155,989 2,103,076 2,064,738

Kentucky 184,146,649 175,927,117 171,632,355 2,158,558 2,085,300 2,047,842

Louisiana 322,798,910 295,809,603 288,247,932 1,972,036 1,972,103 1,949,015

Maine 30,992,420 30,321,935 29,889,401 957,841 939,024 920,958

Maryland 298,996,718 294,441,150 296,660,295 4,013,956 3,948,276 3,888,766

Massachusetts n/a n/a n/a 4,333,282 4,245,425 4,196,242

Michigan 168,050,120 158,960,719 150,063,676 5,579,698 5,462,381 5,379,420

Minnesota 171,145,890 164,985,125 162,946,706 3,954,581 3,858,505 3,795,351

Mississippi 183,857,295 180,004,022 175,601,995 1,688,419 1,674,278 1,638,130

Missouri 205,986,760 192,425,286 181,345,713 3,931,829 3,873,273 3,827,454

Montana 42,157,184 41,502,443 40,496,730 503,535 493,583 486,626

Nebraska 58,197,716 55,923,123 54,977,838 1,509,192 1,487,729 1,470,588

Nevada 173,041,476 156,993,641 147,606,158 1,229,715 1,194,160 1,162,125

New Hampshire 38,277,583 38,394,705 38,283,823 870,537 858,424 847,814

New Jersey 460,724,281 435,074,318 425,460,310 5,570,381 5,487,305 5,447,553

New Mexico 159,369,901 161,482,272 160,469,158 1,031,758 1,041,885 1,073,151

New York 381,422,500 376,966,165 388,511,329 9,423,512 9,310,062 9,211,643

North Carolina 256,009,207 254,684,835 253,501,925 6,120,812 6,096,038 6,046,322

North Dakota 12,837,815 12,826,347 12,434,158 548,956 544,304 533,113

Ohio 326,164,889 330,744,627 325,624,066 6,521,046 6,455,142 6,403,742

Oklahoma 145,036,002 147,338,364 147,176,336 905,924 901,214 891,992

Oregon 167,623,792 147,929,412 145,107,984 2,662,809 2,586,147 2,509,746

Pennsylvania 615,853,000 608,114,344 619,218,572 7,859,599 7,765,296 7,618,698

Rhode Island 79,630,034 76,893,432 76,015,059 419,022 414,359 404,319

South Carolina 385,236,150 353,316,262 341,079,514 3,636,062 3,562,015 3,468,158

South Dakota 20,197,579 19,948,605 19,336,950 662,740 653,542 639,605

Tennessee 304,634,271 296,840,770 287,699,717 4,319,550 4,205,950 4,104,635

Texas 1,325,747,437 1,243,232,596 1,191,358,894 n/a n/a n/a

Utah 109,376,504 102,704,548 99,435,160 1,777,129 1,709,171 1,668,123

Vermont 23,142,784 23,003,196 23,016,612 434,718 436,647 435,877

Virginia 303,765,581 306,736,302 309,700,157 6,169,196 6,161,267 6,079,064

Washington 448,654,036 423,466,188 407,591,182 3,544,060 3,389,035 3,257,499

West Virginia 117,023,060 114,207,247 115,699,064 1,198,401 1,193,470 1,185,499

Wisconsin 178,657,766 172,803,972 171,657,174 3,916,497 3,867,538 3,812,284

Wyoming 11,829,424 12,079,466 11,957,952 391,457 390,728 388,525

Countrywide 13,134,534,643 12,506,662,886 12,196,787,715 167,790,596 164,759,471 162,425,045

CW w/o TX and MA 11,808,787,206 11,263,430,290 11,005,428,821 163,457,314 160,514,046 158,228,803

Table 23A



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 195,683,973 201,290,281 173,086,447 7,000 7,717 6,835

Alaska 23,815,139 24,997,946 24,123,805 682 709 702

Arizona 296,092,277 300,650,464 257,353,456 8,612 9,477 8,391

Arkansas 71,751,764 67,380,486 54,042,194 3,906 3,730 3,354

California 1,116,780,025 981,159,923 876,444,935 42,708 43,593 41,711

Colorado 338,773,277 336,496,834 314,301,961 6,383 6,406 6,020

Connecticut 119,926,278 126,153,620 128,312,382 3,428 3,626 3,593

Delaware 31,959,102 40,443,262 37,416,585 1,353 1,617 1,526


Florida 1,016,581,816 1,078,368,552 965,107,756 36,922 38,685 35,567

Georgia 426,892,092 423,274,015 355,986,630 16,908 17,329 14,358

Hawaii 28,623,052 35,941,562 32,319,493 569 651 613

Idaho 28,734,683 24,354,426 25,392,112 994 968 912

Illinois 231,784,198 236,533,176 220,102,241 8,335 8,701 8,235

Indiana 134,656,759 129,329,410 111,203,764 4,950 5,023 4,726

Iowa 69,732,835 60,176,037 57,983,014 1,577 1,584 1,514

Kansas 51,166,406 46,510,697 37,757,224 1,261 1,112 976

Kentucky 150,389,266 154,719,803 141,415,540 4,651 4,939 4,595

Louisiana 299,160,299 337,536,013 287,948,802 11,958 14,403 12,449

Maine 19,561,431 13,803,424 15,665,895 373 300 324

Maryland 160,127,370 158,156,255 151,756,897 11,682 11,743 11,054

Massachusetts 79,317,270 72,346,960 69,952,552 3,498 3,337 3,255

Michigan 126,519,669 133,249,088 114,124,856 2,320 2,475 2,156

Minnesota 116,636,943 103,794,487 97,138,045 2,141 2,222 2,097

Mississippi 103,844,855 99,558,672 92,723,829 4,785 5,023 4,542

Missouri 177,777,839 171,106,063 138,663,844 6,202 6,349 5,307

Montana 21,238,122 27,303,326 25,529,513 535 622 623

Nebraska 46,150,163 42,964,500 44,338,392 1,086 1,065 1,086

Nevada 155,692,937 184,769,748 165,969,624 5,191 6,000 5,448

New Hampshire 28,508,904 20,014,373 22,106,434 525 556 563

New Jersey 234,364,100 262,611,822 269,403,347 5,863 6,395 6,808

New Mexico 79,494,284 84,746,677 91,120,203 2,641 2,712 3,040

New York 248,899,044 245,684,767 235,267,685 5,127 5,641 5,212

North Carolina 155,122,409 139,574,078 123,360,305 7,398 6,882 6,513

North Dakota 6,456,629 6,393,491 6,718,568 130 139 109

Ohio 215,800,975 207,055,536 185,504,944 11,186 10,857 10,498

Oklahoma 89,543,200 98,263,715 95,101,590 3,098 3,302 3,115

Oregon 120,993,094 97,506,109 91,935,644 4,288 4,080 3,713

Pennsylvania 395,082,428 408,322,931 423,020,840 8,814 9,109 9,369

Rhode Island 51,843,807 45,666,325 48,061,491 1,745 1,872 1,839

South Carolina 286,111,586 301,478,037 269,986,963 10,037 10,840 10,123

South Dakota 15,828,601 15,284,132 10,915,113 281 285 276

Tennessee 138,993,954 141,529,481 122,186,522 7,986 8,028 7,034

Texas 1,049,248,057 968,252,153 826,980,126 n/a n/a n/a

Utah 87,523,684 86,690,750 78,600,978 2,000 2,283 2,096

Vermont 8,826,766 13,620,586 8,216,103 364 481 447

Virginia 183,180,373 199,091,541 185,227,058 7,050 7,409 6,833

Washington 249,041,405 256,761,704 253,490,717 10,357 10,754 10,303

West Virginia 51,705,694 43,370,555 48,046,328 1,668 1,722 1,820

Wisconsin 134,068,223 129,928,546 112,340,713 3,883 4,102 3,544

Wyoming 7,988,408 7,693,716 6,156,428 124 174 160

Countrywide 9,490,263,966 9,405,306,619 8,541,921,332 295,498 307,982 286,284

CW w/o TX and MA 8,361,698,639 8,364,707,506 7,644,988,654 292,000 304,645 283,029

Table 23B-1



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 348,486 415,943 277,114 57 51 42

Alaska 6,520,307 6,169,415 6,237,752 3,110 3,143 3,253

Arizona 138,149 697,258 94,337 89 78 67

Arkansas 32,476,378 31,721,414 25,989,354 13,864 15,344 14,303

California 45,091,186 38,290,898 34,385,005 20,535 18,541 17,285

Colorado 4,660,708 4,472,341 3,666,002 1,697 1,686 1,616

Connecticut 18,672 4,482 0 3 4 0

Delaware 8,115,528 7,935,787 6,816,564 5,071 5,109 4,940


Florida 6,308 0 788 2 0 1

Georgia 104,746,093 90,254,366 74,149,910 44,391 43,101 40,654

Hawaii 0 0 0 0 0 0

Idaho 895,849 921,965 664,513 445 488 384

Illinois 5,879,159 5,652,919 4,819,425 2,269 2,200 2,069

Indiana 31,751,718 26,846,638 24,281,797 13,974 13,720 13,087

Iowa 29,291 24,607 19,024 9 7 9

Kansas 86,316 86,275 97,463 34 43 41

Kentucky 80,743 99,293 71,766 16 14 17

Louisiana 5,094,083 4,514,779 3,994,333 1,553 1,484 1,419

Maine 0 2,015 0 0 2 0

Maryland 77,452,630 69,035,921 61,261,582 49,227 47,931 44,648


Michigan 43,670 11,522 8,767 11 5 9

Minnesota 38,601 10,992 46,702 21 13 22

Mississippi 44,384,217 40,616,971 35,326,527 19,546 19,374 18,592

Missouri 252,470 194,254 235,315 95 70 65

Montana 402,635 429,489 367,099 120 160 118

Nebraska 54,124 55,847 25,435 27 23 13

Nevada 37,024 48,510 360,715 16 27 31

New Hampshire 117,362 196,467 142,983 52 102 72

New Jersey 19,946,595 15,979,957 12,225,676 5,944 5,321 4,510

New Mexico 28,347,238 29,339,524 27,313,883 12,141 12,364 12,614

New York 12,085 0 892,826 2 0 80

North Carolina 14,539,659 13,500,810 11,311,538 9,107 7,839 6,870

North Dakota 2,547 7,545 0 3 4 0

Ohio 8,622,015 8,638,398 7,476,772 3,383 3,343 3,042

Oklahoma 7,720 9,896 1,301 2 3 1

Oregon 23,155,683 21,066,323 18,251,389 13,516 13,653 12,629

Pennsylvania 292 1,138 35,593 1 1 10

Rhode Island 7,614,773 7,423,515 6,228,931 2,567 2,810 2,406

South Carolina 44,308,047 37,155,257 31,007,571 25,564 25,007 22,852

South Dakota 3,001 15,486 9,010 3 5 3

Tennessee 83,465,295 72,797,729 63,611,864 38,182 37,329 34,300


Utah 859,047 814,174 750,238 370 368 370

Vermont 3,803,323 3,611,216 3,631,021 3,518 3,905 4,077

Virginia 50,138,811 44,569,024 42,836,648 61,412 58,828 55,473

Washington 85,157,608 80,027,322 69,711,593 38,600 38,035 34,751

West Virginia 11,296,966 10,936,866 10,026,765 4,732 4,886 5,530

Wisconsin 1,455,935 1,959,604 1,394,473 333 311 265

Wyoming 25,223 31,289 31,235 6 14 10

Countrywide 761,437,194 685,225,171 597,876,448 402,846 393,581 368,728

CW w/o TX and MA 761,437,194 685,225,171 597,876,448 402,846 393,581 368,728

Table 23B-2



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 62.03 64.45 56.07 84.41 90.90 78.82

Alaska 68.24 70.94 70.30 57.76 56.74 53.31

Arizona 80.84 85.56 75.82 83.72 92.85 84.93

Arkansas 58.32 56.65 46.97 81.63 81.46 67.29

California 50.98 46.24 42.07 83.15 77.17 70.21

Colorado 162.59 168.00 157.80 100.39 112.76 112.31

Connecticut 50.74 54.16 55.72 63.68 68.04 69.39

Delaware 65.37 81.01 76.08 74.64 91.42 84.44


Florida 139.06 149.51 135.81 79.42 91.57 86.34

Georgia 88.40 85.52 70.52 93.37 98.50 87.88

Hawaii 36.54 47.11 44.01 39.76 51.21 47.73

Idaho 28.34 25.30 26.85 70.70 62.24 65.66

Illinois 35.75 36.81 34.28 70.68 72.24 68.13

Indiana 37.42 35.59 31.09 79.66 75.83 66.43

Iowa 29.27 25.54 24.90 82.54 71.44 69.39

Kansas 23.77 22.16 18.33 88.95 83.32 70.55

Kentucky 69.71 74.24 69.09 81.71 88.00 82.44

Louisiana 154.28 173.44 149.79 94.26 115.63 101.28

Maine 20.42 14.70 17.01 63.12 45.53 52.41

Maryland 59.19 57.54 54.78 79.46 77.16 71.81


Michigan 22.68 24.40 21.22 75.31 83.83 76.06

Minnesota 29.50 26.90 25.61 68.17 62.92 59.64

Mississippi 87.79 83.72 78.17 80.62 77.87 72.92

Missouri 45.28 44.23 36.29 86.43 89.02 76.59

Montana 42.98 56.19 53.22 51.33 66.82 63.95

Nebraska 30.62 28.92 30.17 79.39 76.93 80.69

Nevada 126.64 154.77 143.13 90.00 117.72 112.69

New Hampshire 32.88 23.54 26.24 74.79 52.64 58.12

New Jersey 45.65 50.77 51.70 55.20 64.03 66.19

New Mexico 104.52 109.50 110.36 67.67 70.65 73.80

New York 26.41 26.39 25.64 65.26 65.17 60.79

North Carolina 27.72 25.11 22.27 66.27 60.10 53.12

North Dakota 11.77 11.76 12.60 50.31 49.91 54.03

Ohio 34.42 33.41 30.14 68.81 65.21 59.27

Oklahoma 98.85 109.05 106.62 61.74 66.70 64.62

Oregon 54.13 45.85 43.90 86.00 80.15 75.93

Pennsylvania 50.27 52.58 55.53 64.15 67.15 68.32

Rhode Island 141.90 128.13 134.28 74.67 69.04 71.42

South Carolina 90.87 95.07 86.79 85.77 95.84 88.25

South Dakota 23.89 23.41 17.08 78.38 76.70 56.49

Tennessee 51.50 50.96 45.27 73.03 72.20 64.58

Texas n/a n/a n/a 79.14 77.88 69.41

Utah 49.73 51.20 47.57 80.81 85.20 79.80

Vermont 29.05 39.46 27.18 54.57 74.91 51.47

Virginia 37.82 39.55 37.52 76.81 79.44 73.64

Washington 94.30 99.38 99.22 74.49 79.53 79.30

West Virginia 52.57 45.50 48.99 53.84 47.55 50.19

Wisconsin 34.60 34.10 29.83 75.86 76.32 66.26

Wyoming 20.47 19.77 15.93 67.74 63.95 51.75

Countrywide 61.10 61.24 56.27 78.05 80.68 74.94

CW w/o TX and MA 55.81 56.38 52.09 77.26 80.35 74.90

Table 23C



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 61.92 64.32 55.98 84.26 90.72 78.69

Alaska 53.57 56.90 55.86 45.34 45.51 42.36

Arizona 80.80 85.36 75.79 83.68 92.63 84.90

Arkansas 40.15 38.52 31.72 56.19 55.38 45.44

California 49.00 44.50 40.48 79.92 74.27 67.56

Colorado 160.39 165.80 155.98 99.02 111.28 111.02

Connecticut 50.73 54.16 55.72 63.67 68.03 69.39

Delaware 52.13 67.72 64.36 59.53 76.42 71.43


Florida 139.06 149.51 135.81 79.42 91.57 86.34

Georgia 70.98 70.49 58.36 74.98 81.19 72.73

Hawaii 36.54 47.11 44.01 39.76 51.21 47.73

Idaho 27.48 24.38 26.16 68.56 59.97 63.98

Illinois 34.87 35.95 33.54 68.93 70.55 66.67

Indiana 30.28 29.47 25.52 64.46 62.79 54.53

Iowa 29.26 25.53 24.89 82.50 71.41 69.37

Kansas 23.73 22.12 18.29 88.80 83.16 70.37

Kentucky 69.67 74.20 69.06 81.67 87.95 82.39

Louisiana 151.70 171.16 147.74 92.68 114.11 99.90

Maine 20.42 14.70 17.01 63.12 45.52 52.41

Maryland 39.89 40.06 39.02 53.55 53.71 51.16


Michigan 22.68 24.39 21.22 75.29 83.83 76.05

Minnesota 29.49 26.90 25.59 68.15 62.91 59.61

Mississippi 61.50 59.46 56.60 56.48 55.31 52.80

Missouri 45.22 44.18 36.23 86.31 88.92 76.46

Montana 42.18 55.32 52.46 50.38 65.79 63.04

Nebraska 30.58 28.88 30.15 79.30 76.83 80.65

Nevada 126.61 154.73 142.82 89.97 117.69 112.44

New Hampshire 32.75 23.32 26.07 74.48 52.13 57.74

New Jersey 42.07 47.86 49.45 50.87 60.36 63.32

New Mexico 77.05 81.34 84.91 49.88 52.48 56.78

New York 26.41 26.39 25.54 65.26 65.17 60.56

North Carolina 25.34 22.90 20.40 60.59 54.80 48.66

North Dakota 11.76 11.75 12.60 50.29 49.85 54.03

Ohio 33.09 32.08 28.97 66.16 62.60 56.97

Oklahoma 98.84 109.03 106.62 61.74 66.69 64.62

Oregon 45.44 37.70 36.63 72.18 65.91 63.36

Pennsylvania 50.27 52.58 55.52 64.15 67.15 68.32

Rhode Island 123.73 110.21 118.87 65.11 59.39 63.23

South Carolina 78.69 84.64 77.85 74.27 85.33 79.16

South Dakota 23.88 23.39 17.07 78.37 76.62 56.45

Tennessee 32.18 33.65 29.77 45.63 47.68 42.47

Texas n/a n/a n/a 79.14 77.88 69.41

Utah 49.25 50.72 47.12 80.02 84.41 79.05

Vermont 20.30 31.19 18.85 38.14 59.21 35.70

Virginia 29.69 32.31 30.47 60.30 64.91 59.81

Washington 70.27 75.76 77.82 55.51 60.63 62.19

West Virginia 43.15 36.34 40.53 44.18 37.98 41.53

Wisconsin 34.23 33.59 29.47 75.04 75.19 65.44

Wyoming 20.41 19.69 15.85 67.53 63.69 51.48

Countrywide 56.56 57.09 52.59 72.25 75.20 70.03

CW w/o TX and MA 51.16 52.11 48.32 70.81 74.26 69.47

Table 23C-1



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0.11 0.13 0.09 0.15 0.19 0.13

Alaska 14.67 14.04 14.44 12.41 11.23 10.95

Arizona 0.04 0.20 0.03 0.04 0.21 0.03

Arkansas 18.17 18.13 15.25 25.43 26.07 21.85

California 1.98 1.74 1.59 3.23 2.90 2.65

Colorado 2.21 2.20 1.82 1.36 1.48 1.29

Connecticut 0.01 0.00 0.00 0.01 0.00 0.00

Delaware 13.24 13.29 11.72 15.12 15.00 13.01


Florida 0.00 0.00 0.00 0.00 0.00 0.00

Georgia 17.42 15.03 12.16 18.40 17.31 15.15

Hawaii 0.00 0.00 0.00 0.00 0.00 0.00

Idaho 0.86 0.92 0.68 2.14 2.27 1.67

Illinois 0.88 0.86 0.73 1.75 1.69 1.46

Indiana 7.14 6.12 5.57 15.20 13.03 11.91

Iowa 0.01 0.01 0.01 0.03 0.03 0.02

Kansas 0.04 0.04 0.05 0.15 0.15 0.18

Kentucky 0.04 0.05 0.04 0.04 0.06 0.04

Louisiana 2.58 2.29 2.05 1.58 1.53 1.39

Maine 0.00 0.00 0.00 0.00 0.01 0.00

Maryland 19.30 17.49 15.75 25.90 23.45 20.65


Michigan 0.01 0.00 0.00 0.03 0.01 0.01

Minnesota 0.01 0.00 0.01 0.02 0.01 0.03

Mississippi 26.29 24.26 21.57 24.14 22.56 20.12

Missouri 0.06 0.05 0.06 0.12 0.10 0.13

Montana 0.80 0.87 0.75 0.96 1.03 0.91

Nebraska 0.04 0.04 0.02 0.09 0.10 0.05

Nevada 0.03 0.04 0.31 0.02 0.03 0.24

New Hampshire 0.13 0.23 0.17 0.31 0.51 0.37

New Jersey 3.58 2.91 2.24 4.33 3.67 2.87

New Mexico 27.47 28.16 25.45 17.79 18.17 17.02

New York 0.00 0.00 0.10 0.00 0.00 0.23

North Carolina 2.38 2.21 1.87 5.68 5.30 4.46

North Dakota 0.00 0.01 0.00 0.02 0.06 0.00

Ohio 1.32 1.34 1.17 2.64 2.61 2.30

Oklahoma 0.01 0.01 0.00 0.01 0.01 0.00

Oregon 8.70 8.15 7.27 13.81 14.24 12.58

Pennsylvania 0.00 0.00 0.00 0.00 0.00 0.01

Rhode Island 18.17 17.92 15.41 9.56 9.65 8.19

South Carolina 12.19 10.43 8.94 11.50 10.52 9.09

South Dakota 0.00 0.02 0.01 0.01 0.08 0.05

Tennessee 19.32 17.31 15.50 27.40 24.52 22.11

Texas n/a n/a n/a 0.00 0.00 0.00

Utah 0.48 0.48 0.45 0.79 0.79 0.75

Vermont 8.75 8.27 8.33 16.43 15.70 15.78

Virginia 8.13 7.23 7.05 16.51 14.53 13.83

Washington 24.03 23.61 21.40 18.98 18.90 17.10

West Virginia 9.43 9.16 8.46 9.65 9.58 8.67

Wisconsin 0.37 0.51 0.37 0.81 1.13 0.81

Wyoming 0.06 0.08 0.08 0.21 0.26 0.26

Countrywide 4.54 4.16 3.68 5.80 5.48 4.90

CW w/o TX and MA 4.66 4.27 3.78 6.45 6.08 5.43

Table 23C-2



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0.22 0.25 0.22 27,954.85 26,084.01 25,323.55

Alaska 0.15 0.16 0.16 34,919.56 35,258.03 34,364.39

Arizona 0.24 0.27 0.25 34,381.36 31,724.22 30,670.18

Arkansas 0.22 0.21 0.20 18,369.63 18,064.47 16,112.76

California 0.19 0.20 0.19 26,149.20 22,507.28 21,012.32

Colorado 0.30 0.32 0.30 53,074.30 52,528.38 52,209.63

Connecticut 0.15 0.16 0.16 34,984.33 34,791.40 35,711.77

Delaware 0.22 0.27 0.26 23,620.92 25,011.29 24,519.39


Florida 0.51 0.54 0.50 27,533.23 27,875.62 27,134.92

Georgia 0.28 0.29 0.24 25,247.94 24,425.76 24,793.61

Hawaii 0.07 0.09 0.08 50,304.13 55,209.77 52,723.48

Idaho 0.10 0.10 0.09 28,908.13 25,159.53 27,842.23

Illinois 0.13 0.13 0.13 27,808.54 27,184.60 26,727.66

Indiana 0.11 0.11 0.11 27,203.39 25,747.44 23,530.21

Iowa 0.07 0.07 0.06 44,218.67 37,989.92 38,297.90

Kansas 0.06 0.05 0.05 40,576.06 41,826.17 38,685.68

Kentucky 0.22 0.24 0.22 32,334.82 31,326.14 30,775.96

Louisiana 0.61 0.73 0.64 25,017.59 23,435.12 23,130.28

Maine 0.04 0.03 0.04 52,443.51 46,011.41 48,351.53

Maryland 0.29 0.30 0.28 13,707.19 13,468.13 13,728.69

Massachusetts 0.08 0.08 0.08 22,675.03 21,680.24 21,490.80

Michigan 0.04 0.05 0.04 54,534.34 53,838.02 52,933.61

Minnesota 0.05 0.06 0.06 54,477.79 46,712.19 46,322.39

Mississippi 0.28 0.30 0.28 21,702.16 19,820.56 20,414.76

Missouri 0.16 0.16 0.14 28,664.60 26,950.08 26,128.48

Montana 0.11 0.13 0.13 39,697.42 43,896.02 40,978.35

Nebraska 0.07 0.07 0.07 42,495.55 40,342.25 40,827.25

Nevada 0.42 0.50 0.47 29,992.86 30,794.96 30,464.32

New Hampshire 0.06 0.06 0.07 54,302.67 35,997.07 39,265.42

New Jersey 0.11 0.12 0.12 39,973.41 41,065.18 39,571.58

New Mexico 0.26 0.26 0.28 30,100.07 31,248.77 29,973.75

New York 0.05 0.06 0.06 48,546.72 43,553.41 45,139.62

North Carolina 0.12 0.11 0.11 20,968.15 20,281.03 18,940.63

North Dakota 0.02 0.03 0.02 49,666.38 45,996.34 61,638.24

Ohio 0.17 0.17 0.16 19,292.06 19,071.16 17,670.50

Oklahoma 0.34 0.37 0.35 28,903.55 29,758.85 30,530.21

Oregon 0.16 0.16 0.15 28,216.67 23,898.56 24,760.48

Pennsylvania 0.11 0.12 0.12 44,824.42 44,826.32 45,151.12

Rhode Island 0.42 0.45 0.45 29,709.92 24,394.40 26,134.58

South Carolina 0.28 0.30 0.29 28,505.69 27,811.63 26,670.65

South Dakota 0.04 0.04 0.04 56,329.54 53,628.53 39,547.51

Tennessee 0.18 0.19 0.17 17,404.70 17,629.48 17,370.84


Utah 0.11 0.13 0.13 43,761.84 37,972.30 37,500.47

Vermont 0.08 0.11 0.10 24,249.36 28,317.23 18,380.54

Virginia 0.11 0.12 0.11 25,983.03 26,871.58 27,107.72

Washington 0.29 0.32 0.32 24,045.71 23,875.93 24,603.58

West Virginia 0.14 0.14 0.15 30,998.62 25,186.15 26,399.08

Wisconsin 0.10 0.11 0.09 34,526.97 31,674.44 31,698.85

Wyoming 0.03 0.04 0.04 64,422.65 44,216.76 38,477.68

Countrywide 0.18 0.19 0.18 32,116.17 30,538.49 29,837.23

CW w/o TX and MA 0.18 0.19 0.18 28,635.95 27,457.23 27,011.33

Table 23D-1



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0.00 0.00 0.00 6,113.79 8,155.75 6,597.95

Alaska 0.70 0.72 0.75 2,096.56 1,962.91 1,917.54

Arizona 0.00 0.00 0.00 1,552.24 8,939.21 1,408.01

Arkansas 0.78 0.88 0.84 2,342.50 2,067.35 1,817.06

California 0.09 0.08 0.08 2,195.82 2,065.20 1,989.30

Colorado 0.08 0.08 0.08 2,746.44 2,652.63 2,268.57

Connecticut 0.00 0.00 0.00 6,224.00 1,120.50 -

Delaware 0.83 0.86 0.85 1,600.38 1,553.30 1,379.87


Florida 0.00 0.00 0.00 3,154.00 - 788.00

Georgia 0.74 0.72 0.67 2,359.62 2,094.02 1,823.93

Hawaii 0.00 0.00 0.00 - - -

Idaho 0.04 0.05 0.04 2,013.14 1,889.27 1,730.50

Illinois 0.03 0.03 0.03 2,591.08 2,569.51 2,329.35

Indiana 0.31 0.31 0.30 2,272.20 1,956.75 1,855.41

Iowa 0.00 0.00 0.00 3,254.56 3,515.29 2,113.78

Kansas 0.00 0.00 0.00 2,538.71 2,006.40 2,377.15

Kentucky 0.00 0.00 0.00 5,046.44 7,092.36 4,221.53

Louisiana 0.08 0.08 0.07 3,280.16 3,042.30 2,814.89

Maine 0.00 0.00 0.00 - 1,007.50 -

Maryland 1.23 1.21 1.15 1,573.38 1,440.32 1,372.10

Massachusetts 0.00 0.00 0.00 - - -

Michigan 0.00 0.00 0.00 3,970.00 2,304.40 974.11

Minnesota 0.00 0.00 0.00 1,838.14 845.54 2,122.82

Mississippi 1.16 1.16 1.13 2,270.76 2,096.47 1,900.09

Missouri 0.00 0.00 0.00 2,657.58 2,775.06 3,620.23

Montana 0.02 0.03 0.02 3,355.29 2,684.31 3,111.01

Nebraska 0.00 0.00 0.00 2,004.59 2,428.13 1,956.54

Nevada 0.00 0.00 0.00 2,314.00 1,796.67 11,635.97

New Hampshire 0.01 0.01 0.01 2,256.96 1,926.15 1,985.88

New Jersey 0.11 0.10 0.08 3,355.75 3,003.19 2,710.79

New Mexico 1.18 1.19 1.18 2,334.84 2,372.98 2,165.36

New York 0.00 0.00 0.00 6,042.50 - 11,160.33

North Carolina 0.15 0.13 0.11 1,596.54 1,722.26 1,646.51

North Dakota 0.00 0.00 0.00 849.00 1,886.25 -

Ohio 0.05 0.05 0.05 2,548.63 2,584.03 2,457.85

Oklahoma 0.00 0.00 0.00 3,860.00 3,298.67 1,301.00

Oregon 0.51 0.53 0.50 1,713.21 1,542.98 1,445.20

Pennsylvania 0.00 0.00 0.00 292.00 1,138.00 3,559.30

Rhode Island 0.61 0.68 0.60 2,966.41 2,641.82 2,588.92

South Carolina 0.70 0.70 0.66 1,733.22 1,485.79 1,356.89

South Dakota 0.00 0.00 0.00 1,000.33 3,097.20 3,003.33

Tennessee 0.88 0.89 0.84 2,185.99 1,950.17 1,854.57


Utah 0.02 0.02 0.02 2,321.75 2,212.43 2,027.67

Vermont 0.81 0.89 0.94 1,081.10 924.77 890.61

Virginia 1.00 0.95 0.91 816.43 757.62 772.21

Washington 1.09 1.12 1.07 2,206.16 2,104.04 2,006.03

West Virginia 0.39 0.41 0.47 2,387.36 2,238.41 1,813.16

Wisconsin 0.01 0.01 0.01 4,372.18 6,300.98 5,262.16

Wyoming 0.00 0.00 0.00 4,203.83 2,234.93 3,123.50

Countrywide 0.24 0.24 0.23 1,890.14 1,741.00 1,621.46

CW w/o TX and MA 0.25 0.25 0.23 1,890.14 1,741.00 1,621.46

Table 23D-2



Total Business



Total Liability





Total Liability Voluntary Market Business and Residual Market Business Total Liability earned premium and incurred losses are the sums of the respective amounts reported for:

Bodily injury liability (BI) Property damage liability (PD) BI/PD combined single limits (CSL) Personal injury protection (PIP) Uninsured/underinsured motorist (UM/UIM) Medical payments Other liability (not shown separately)

Total liability earned exposures are the sum of bodily injury liability and combined single limit earned exposures. Florida Florida requires PIP coverage, but does not require bodily injury liability. In light of this, PIP exposures are reported in the following tables for Florida in lieu of the sum of bodily injury and combined single limit exposures.




STATE 2016 2015 2014 2016 2015 2014

Alabama 1,526,114,170 1,401,029,689 1,331,104,114 3,615,003 3,550,101 3,489,950

Alaska 260,445,942 263,999,854 262,237,416 473,947 468,257 459,186

Arizona 2,370,745,222 2,182,028,721 2,066,143,721 4,373,846 4,213,478 4,084,445

Arkansas 855,530,542 806,043,811 778,677,332 2,092,493 2,055,308 2,011,342

California 13,525,892,583 12,552,356,353 12,063,920,311 26,641,241 25,806,963 25,338,772

Colorado 2,203,365,200 1,983,576,261 1,825,930,274 3,960,886 3,854,779 3,748,020

Connecticut 1,614,057,404 1,539,143,541 1,493,766,295 2,353,058 2,314,923 2,288,308

Delaware 530,098,914 510,489,989 496,400,104 660,599 643,724 629,418


Florida 11,494,321,397 10,486,670,241 9,961,773,893 13,070,937 12,570,854 12,034,957

Georgia 4,348,045,455 3,887,757,233 3,496,845,387 6,682,171 6,560,208 6,485,006

Hawaii 394,821,252 384,923,953 375,677,742 866,232 848,507 825,165

Idaho 404,533,991 375,024,569 356,557,091 1,105,783 1,069,430 1,044,218

Illinois 3,232,857,275 3,058,286,970 2,955,025,824 6,936,400 6,860,537 6,833,897

Indiana 1,825,321,610 1,716,492,760 1,637,836,635 4,638,434 4,567,317 4,511,130

Iowa 745,805,245 713,216,163 687,086,253 2,441,526 2,414,669 2,384,955

Kansas 799,549,851 768,610,588 741,139,809 2,216,697 2,174,963 2,152,424

Kentucky 1,690,276,168 1,625,781,994 1,582,577,843 3,144,625 3,113,492 3,067,064

Louisiana 2,363,857,350 2,168,578,082 2,045,464,314 2,882,422 2,815,810 2,755,051

Maine 336,217,245 318,667,469 305,496,511 959,505 944,245 926,837

Maryland 2,566,868,382 2,413,152,209 2,348,196,319 4,094,047 4,026,758 3,979,321

Massachusetts 2,595,850,889 2,492,088,770 2,416,695,993 4,282,395 4,191,881 4,125,514

Michigan 4,516,430,797 4,430,556,263 4,289,441,534 5,720,131 5,633,222 5,589,512

Minnesota 1,819,863,509 1,744,785,408 1,686,220,773 3,946,355 3,843,634 3,783,894

Mississippi 891,017,035 856,176,268 819,664,783 1,885,483 1,869,649 1,854,505

Missouri 1,808,120,827 1,682,679,698 1,612,553,883 4,114,997 4,062,097 4,006,827

Montana 296,939,864 287,079,550 277,782,568 753,169 736,854 723,306

Nebraska 572,958,792 536,353,973 511,385,312 1,526,891 1,491,582 1,471,240

Nevada 1,311,830,480 1,206,424,733 1,141,719,399 1,810,241 1,752,513 1,709,315

New Hampshire 370,879,107 354,665,313 340,660,851 922,672 906,695 885,899

New Jersey 4,841,395,374 4,682,041,594 4,647,829,908 5,471,773 5,364,676 5,293,215

New Mexico 709,971,232 685,353,186 660,728,530 1,407,106 1,380,324 1,366,686

New York 7,661,893,654 7,334,660,934 7,195,814,059 9,366,781 9,248,469 9,145,005

North Carolina 2,416,269,710 2,335,774,916 2,334,227,775 6,810,823 6,709,602 6,684,588

North Dakota 167,547,614 166,691,616 159,653,167 558,429 554,599 543,240

Ohio 3,248,878,898 3,116,705,912 2,994,446,419 8,009,169 7,926,632 7,861,431

Oklahoma 1,251,432,999 1,205,759,887 1,161,636,453 2,677,612 2,646,452 2,602,622

Oregon 1,668,584,100 1,558,143,658 1,503,663,921 2,735,398 2,687,341 2,631,286

Pennsylvania 4,265,616,749 4,128,480,263 4,062,345,062 8,500,622 8,385,441 8,320,412

Rhode Island 517,703,719 487,067,830 464,845,053 665,893 650,929 640,312

South Carolina 2,035,680,581 1,865,190,999 1,744,668,738 3,629,915 3,554,131 3,459,690

South Dakota 204,527,843 196,055,713 185,132,896 666,473 656,517 641,390

Tennessee 1,947,016,481 1,853,439,772 1,778,427,311 4,594,874 4,463,370 4,340,704

Texas 10,203,522,964 9,282,375,601 8,771,204,653 n/a n/a n/a

Utah 930,110,149 862,545,648 809,002,643 1,815,804 1,756,471 1,716,524

Vermont 155,169,531 151,525,630 149,180,691 434,576 438,675 438,579

Virginia 2,677,752,832 2,608,226,652 2,558,252,915 6,170,139 6,158,851 6,090,924

Washington 2,775,453,831 2,588,911,652 2,460,731,998 4,479,841 4,335,908 4,221,439

West Virginia 646,676,787 642,889,684 645,515,974 1,289,458 1,285,612 1,282,524

Wisconsin 1,510,727,584 1,442,330,697 1,381,444,890 3,921,485 3,879,413 3,832,333

Wyoming 143,189,249 141,531,916 138,853,538 427,381 428,806 426,316

Countrywide 117,416,518,247 110,234,058,712 105,862,725,235 192,057,404 188,121,222 184,978,528

CW w/o Texas 107,212,995,283 100,951,683,111 97,091,520,582 192,057,404 188,121,222 184,978,528

*Total includes Other Liability that is not reported separately in this publication.

Table 24A

Total Liability 2014-2016*


Voluntary Business




STATE 2016 2015 2014

Alabama 1,276,974,814 1,229,514,004 1,078,631,100

Alaska 187,992,181 178,978,743 171,061,289

Arizona 1,965,609,423 1,868,059,724 1,643,238,019

Arkansas 716,285,475 666,166,238 587,909,125

California 10,259,398,673 9,549,235,561 8,681,079,043

Colorado 1,834,026,440 1,771,931,443 1,649,718,230

Connecticut 1,240,757,266 1,228,482,958 1,162,615,195

Delaware 412,510,329 418,888,199 383,471,262

District of Columbia 148,606,581 141,943,721 123,281,985

Florida 9,556,368,288 9,088,423,440 8,021,683,340

Georgia 3,945,268,209 3,749,638,802 3,156,285,619

Hawaii 253,790,539 257,575,208 246,430,908

Idaho 316,353,998 291,060,377 261,387,225

Illinois 2,701,547,071 2,572,234,413 2,342,856,649

Indiana 1,448,289,081 1,397,531,118 1,262,403,249

Iowa 590,639,141 557,424,709 519,800,875

Kansas 626,569,190 605,252,649 558,755,143

Kentucky 1,386,494,372 1,336,045,939 1,226,533,809

Louisiana 2,179,933,875 2,095,708,309 1,798,498,561

Maine 236,736,324 230,091,588 224,742,120

Maryland 2,193,341,155 2,074,632,447 1,913,236,697

Massachusetts 1,764,191,171 1,678,659,610 1,569,265,649

Michigan 4,702,156,496 3,968,494,319 3,076,850,408

Minnesota 1,338,968,952 1,264,812,837 1,211,142,777

Mississippi 732,294,293 702,805,249 635,632,190

Missouri 1,470,447,412 1,417,396,125 1,209,649,586

Montana 199,002,700 215,026,091 196,035,442

Nebraska 434,674,445 433,563,991 406,037,618

Nevada 1,100,452,882 1,111,287,912 1,009,639,084

New Hampshire 277,896,782 255,657,655 256,897,488

New Jersey 3,655,812,825 3,632,945,955 3,494,396,173

New Mexico 513,706,075 500,007,798 497,497,466

New York 6,118,914,893 5,910,288,029 5,477,238,854

North Carolina 2,105,751,385 1,938,685,141 1,797,521,203

North Dakota 117,121,659 116,247,984 108,112,448

Ohio 2,465,209,934 2,397,915,295 2,187,153,701

Oklahoma 902,606,592 894,081,597 805,975,165

Oregon 1,267,791,566 1,221,153,264 1,118,138,751

Pennsylvania 3,180,830,927 3,177,323,784 3,010,370,203

Rhode Island 431,318,136 400,944,067 381,865,794

South Carolina 1,763,958,257 1,719,809,576 1,504,855,443

South Dakota 149,835,155 149,982,028 129,373,019

Tennessee 1,443,003,291 1,355,037,653 1,206,361,997

Texas 7,578,003,644 7,090,653,786 6,237,887,594

Utah 733,651,834 701,509,082 620,009,723

Vermont 105,445,383 116,201,449 102,644,354

Virginia 2,171,235,440 2,086,258,890 1,937,442,107

Washington 2,196,397,613 2,154,513,013 1,996,701,715

West Virginia 431,114,128 404,215,948 396,465,182

Wisconsin 1,153,664,315 1,114,561,553 1,085,432,647

Wyoming 97,335,978 103,644,968 97,548,371

Countrywide 94,080,286,588 89,542,504,239 80,777,761,595

CW w/o Texas 86,502,282,944 82,451,850,453 74,539,874,001


Incurred Losses

Table 24B

Voluntary Business





STATE 2016 2015 2014 2016 2015 2014

Alabama 353.24 346.33 309.07 83.67 87.76 81.03

Alaska 396.65 382.22 372.53 72.18 67.80 65.23

Arizona 449.40 443.35 402.32 82.91 85.61 79.53

Arkansas 342.31 324.12 292.30 83.72 82.65 75.50

California 385.09 370.03 342.60 75.85 76.08 71.96

Colorado 463.03 459.67 440.16 83.24 89.33 90.35

Connecticut 527.30 530.68 508.07 76.87 79.82 77.83

Delaware 624.45 650.73 609.25 77.82 82.06 77.25


Florida 731.12 722.98 666.53 83.14 86.67 80.52

Georgia 590.42 571.57 486.71 90.74 96.45 90.26

Hawaii 292.98 303.56 298.64 64.28 66.92 65.60

Idaho 286.09 272.16 250.32 78.20 77.61 73.31

Illinois 389.47 374.93 342.83 83.57 84.11 79.28

Indiana 312.24 305.99 279.84 79.34 81.42 77.08

Iowa 241.91 230.85 217.95 79.19 78.16 75.65

Kansas 282.66 278.28 259.59 78.37 78.75 75.39

Kentucky 440.91 429.11 399.90 82.03 82.18 77.50

Louisiana 756.29 744.26 652.80 92.22 96.64 87.93

Maine 246.73 243.68 242.48 70.41 72.20 73.57

Maryland 535.74 515.21 480.79 85.45 85.97 81.48

Massachusetts 411.96 400.45 380.38 67.96 67.36 64.93

Michigan 822.04 704.48 550.47 104.11 89.57 71.73

Minnesota 339.29 329.07 320.08 73.58 72.49 71.83

Mississippi 388.39 375.90 342.75 82.19 82.09 77.55

Missouri 357.34 348.93 301.90 81.32 84.23 75.01

Montana 264.22 291.82 271.03 67.02 74.90 70.57

Nebraska 284.68 290.67 275.98 75.86 80.84 79.40

Nevada 607.90 634.11 590.67 83.89 92.11 88.43

New Hampshire 301.19 281.97 289.99 74.93 72.08 75.41

New Jersey 668.12 677.20 660.17 75.51 77.59 75.18

New Mexico 365.08 362.24 364.02 72.36 72.96 75.30

New York 653.26 639.06 598.93 79.86 80.58 76.12

North Carolina 309.18 288.94 268.91 87.15 83.00 77.01

North Dakota 209.73 209.61 199.01 69.90 69.74 67.72

Ohio 307.80 302.51 278.21 75.88 76.94 73.04

Oklahoma 337.09 337.84 309.68 72.13 74.15 69.38

Oregon 463.48 454.41 424.94 75.98 78.37 74.36

Pennsylvania 374.19 378.91 361.81 74.57 76.96 74.10

Rhode Island 647.73 615.96 596.37 83.31 82.32 82.15

South Carolina 485.95 483.89 434.97 86.65 92.21 86.25

South Dakota 224.82 228.45 201.71 73.26 76.50 69.88

Tennessee 314.05 303.59 277.92 74.11 73.11 67.83

Texas n/a n/a n/a 74.27 76.39 71.12

Utah 404.04 399.39 361.20 78.88 81.33 76.64

Vermont 242.64 264.89 234.04 67.95 76.69 68.81

Virginia 351.89 338.74 318.09 81.08 79.99 75.73

Washington 490.28 496.90 472.99 79.14 83.22 81.14

West Virginia 334.34 314.42 309.13 66.67 62.87 61.42

Wisconsin 294.19 287.30 283.23 76.36 77.28 78.57

Wyoming 227.75 241.71 228.82 67.98 73.23 70.25

Countrywide 489.86 475.98 436.69 80.13 81.23 76.30

CW w/o Texas 450.40 438.29 402.97 80.68 81.67 76.77


Table 24C



Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 1,470 2,156 5,260 2 1 2

Alaska 5,886 10,554 13,317 4 6 7

Arizona 0 0 0 0 0 0

Arkansas 634 6,858 3,713 1 4 2

California 5,971,762 5,202,800 4,667,343 16,222 14,978 13,091

Colorado 2,667 866 -134 1 0 0

Connecticut 202,542 138,270 207,853 120 82 137

Delaware 8,271 7,033 579 3 2 0


Florida 591,671 517,229 1,792,336 99 119 744

Georgia 0 0 0 0 0 0

Hawaii 2,617,186 2,939,536 3,233,470 1,039 1,285 1,614

Idaho 412 1,477 2,034 1 1 2

Illinois 247,377 266,109 327,526 249 292 361

Indiana 7,927 9,342 6,488 3 4 5

Iowa 9,060 9,775 11,687 6 8 9

Kansas 991,334 1,012,346 1,064,050 1,513 1,653 1,784

Kentucky 633,630 473,242 428,437 351 288 302

Louisiana 15,759 10,914 6,506 2 3 2

Maine 6,441 4,242 8,443 2 4 8

Maryland 57,146,009 55,153,325 52,062,681 43,140 43,904 40,869

Massachusetts 71,944,449 72,016,795 88,968,910 53,791 54,246 69,457

Michigan 9,795,158 9,624,955 13,158,401 3,851 3,915 5,457

Minnesota 10,663 3,267 2,822 3 1 4

Mississippi 11,720 15,635 15,272 4 8 10

Missouri 16,630 2,864 1,029 8 2 1

Montana 4,049 4,873 10,023 5 6 11

Nebraska 10,306 2,318 289 5 1 0

Nevada 6,692 1,135 52 4 1 0

New Hampshire 82,596 99,760 124,052 67 86 106

New Jersey 18,823,943 18,480,682 25,778,388 2,132 3,358 5,667

New Mexico 6,894 2,223 988 2 1 1

New York 72,784,848 71,792,118 82,506,650 38,733 39,972 45,006


North Dakota 1,610 5,918 4,964 0 3 5

Ohio 0 0 0 0 0 0

Oklahoma 16,951 10,311 12,436 10 8 10

Oregon 10,372 7,483 693 2 3 1

Pennsylvania 3,102,787 3,542,745 3,848,927 5,765 6,504 6,944

Rhode Island 19,952,678 16,015,029 13,767,122 16,775 14,318 12,406

South Carolina 9,691 -1 3,539 4 0 1

South Dakota 0 8,392 1,200 0 1 0

Tennessee 6,077 8,688 7,443 4 7 6

Texas 1,540,320 1,566,008 1,914,706 n/a n/a n/a

Utah 1,576 4,854 5,225 2 4 4

Vermont 33,220 53,898 48,425 25 39 38

Virginia 457,828 481,131 566,627 378 383 448

Washington 12,714 5,337 1,109 6 1 0

West Virginia 23,310 12,144 11,821 20 10 6

Wisconsin 8,614 13,821 4,316 1 2 0

Wyoming 0 0 0 0 0 0

Countrywide 267,349,359 259,703,874 294,822,694 184,450 185,587 204,643

CW w/o Texas 265,809,039 258,137,866 292,907,988 184,450 185,587 204,643


Table 25A



Residual Business




STATE 2016 2015 2014

Alabama 0 0 1,143

Alaska 0 1,016 0

Arizona 0 0 0

Arkansas 0 0 0

California 5,657,228 3,945,535 3,558,839

Colorado 0 0 0

Connecticut 91,378 47,924 279,752

Delaware 0 0 0

District of Columbia 236,313 123,046 239,755

Florida 243,193 493,718 4,424,190

Georgia 0 0 0

Hawaii 909,946 1,003,184 1,006,898

Idaho 0 0 0

Illinois 234,456 189,807 196,313

Indiana 4,379 0 0

Iowa 12,135 1,696 3,679

Kansas 966,802 770,935 979,771

Kentucky 1,130,427 700,070 1,120,494

Louisiana 0 0 0

Maine 30,778 39,678 115,341

Maryland 65,948,304 64,367,458 52,826,265

Massachusetts 70,109,662 63,233,074 73,662,092

Michigan 10,977,865 11,150,115 7,489,073

Minnesota 16,055 0 0

Mississippi 0 0 654

Missouri 42,048 0 0

Montana 0 0 2,986

Nebraska 13,777 0 0

Nevada 0 0 0

New Hampshire 13,212 17,803 34,908

New Jersey 12,239,004 13,054,346 19,962,233

New Mexico 0 0 0

New York 96,486,787 77,130,517 82,425,231

North Carolina 0 0 0

North Dakota 48,111 1,454 2,889

Ohio 0 0 0

Oklahoma 8,293 120,197 70,369

Oregon 11,649 5,490 0

Pennsylvania 3,376,347 3,798,722 4,180,824

Rhode Island 28,169,146 21,800,684 17,384,185

South Carolina 6,989 0 0

South Dakota 0 38,395 0

Tennessee 0 7,803 0

Texas 1,311,230 1,463,052 1,773,169

Utah 1,236 1,058 0

Vermont 23,834 13,403 77,353

Virginia 402,307 267,762 199,379

Washington 975 2,320 0

West Virginia 0 0 11,146

Wisconsin 0 0 0

Wyoming 0 0 0

Countrywide 298,723,866 263,790,262 272,028,931

CW w/o Texas 297,412,636 262,327,210 270,255,762


Incurred Losses

Table 25B


Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0.00 0.00 571.50 0.00 0.00 21.73

Alaska 0.00 169.33 0.00 0.00 9.63 0.00

Arizona - - - - - -

Arkansas 0.00 0.00 0.00 0.00 0.00 0.00

California 348.74 263.42 271.85 94.73 75.83 76.25

Colorado 0.00 - - 0.00 0.00 0.00

Connecticut 761.48 584.44 2,041.99 45.12 34.66 134.59

Delaware 0.00 0.00 - 0.00 0.00 0.00

District of Columbia 2,487.51 1,685.56 2,084.83 110.62 79.17 111.16

Florida 2,456.49 4,148.89 5,946.49 41.10 95.45 246.84

Georgia - - - - - -

Hawaii 875.79 780.69 623.85 34.77 34.13 31.14

Idaho 0.00 0.00 0.00 0.00 0.00 0.00

Illinois 941.59 650.02 543.80 94.78 71.33 59.94

Indiana 1,459.67 0.00 0.00 55.24 0.00 0.00

Iowa 2,022.50 212.00 408.78 133.94 17.35 31.48

Kansas 639.00 466.39 549.20 97.53 76.15 92.08

Kentucky 3,220.59 2,430.80 3,710.25 178.40 147.93 261.53

Louisiana 0.00 0.00 0.00 0.00 0.00 0.00

Maine 15,389.00 9,919.50 14,417.63 477.85 935.36 1,366.11

Maryland 1,528.70 1,466.10 1,292.58 115.40 116.71 101.47

Massachusetts 1,303.37 1,165.67 1,060.54 97.45 87.80 82.80

Michigan 2,850.65 2,848.05 1,372.38 112.07 115.85 56.91

Minnesota 5,351.67 0.00 0.00 150.57 0.00 0.00

Mississippi 0.00 0.00 65.40 0.00 0.00 4.28

Missouri 5,256.00 0.00 0.00 252.84 0.00 0.00

Montana 0.00 0.00 271.45 0.00 0.00 29.79

Nebraska 2,755.40 0.00 - 133.68 0.00 0.00

Nevada 0.00 0.00 - 0.00 0.00 0.00

New Hampshire 197.19 207.01 329.32 16.00 17.85 28.14

New Jersey 5,740.62 3,887.54 3,522.54 65.02 70.64 77.44

New Mexico 0.00 0.00 0.00 0.00 0.00 0.00

New York 2,491.07 1,929.61 1,831.43 132.56 107.44 99.90


North Dakota - 484.67 577.80 2,988.26 24.57 58.20

Ohio - - - - - -

Oklahoma 829.30 15,024.63 7,036.90 48.92 1,165.72 565.85

Oregon 5,824.50 1,830.00 0.00 112.31 73.37 0.00

Pennsylvania 585.66 584.06 602.08 108.82 107.23 108.62

Rhode Island 1,679.23 1,522.61 1,401.27 141.18 136.13 126.27

South Carolina 1,747.25 - 0.00 72.12 0.00 0.00

South Dakota - 38,395.00 - - 457.52 0.00

Tennessee 0.00 1,114.71 0.00 0.00 89.81 0.00

Texas n/a n/a n/a 85.13 93.43 92.61

Utah 618.00 264.50 0.00 78.43 21.80 0.00

Vermont 953.36 343.67 2,035.61 71.75 24.87 159.74

Virginia 1,064.30 699.12 445.04 87.87 55.65 35.19

Washington 162.50 2,320.00 - 7.67 43.47 0.00

West Virginia 0.00 0.00 1,857.67 0.00 0.00 94.29

Wisconsin 0.00 0.00 - 0.00 0.00 0.00

Wyoming - - - - - -

Countrywide 1,619.54 1,421.38 1,329.29 111.74 101.57 92.27

CW w/o Texas 1,612.43 1,413.50 1,320.62 111.89 101.62 92.27


Table 25C



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 1,526,115,640 1,401,031,845 1,331,109,374 3,615,005 3,550,102 3,489,952

Alaska 260,451,828 264,010,408 262,250,733 473,951 468,263 459,193

Arizona 2,370,745,222 2,182,028,721 2,066,143,721 4,373,846 4,213,478 4,084,445

Arkansas 855,531,176 806,050,669 778,681,045 2,092,494 2,055,312 2,011,344

California 13,531,864,345 12,557,559,153 12,068,587,654 26,657,463 25,821,941 25,351,863

Colorado 2,203,367,867 1,983,577,127 1,825,930,140 3,960,887 3,854,779 3,748,020

Connecticut 1,614,259,946 1,539,281,811 1,493,974,148 2,353,178 2,315,005 2,288,445

Delaware 530,107,185 510,497,022 496,400,683 660,602 643,726 629,418


Florida 11,494,913,068 10,487,187,470 9,963,566,229 13,071,036 12,570,973 12,035,701

Georgia 4,348,045,455 3,887,757,233 3,496,845,387 6,682,171 6,560,208 6,485,006

Hawaii 397,438,438 387,863,489 378,911,212 867,271 849,792 826,779

Idaho 404,534,403 375,026,046 356,559,125 1,105,784 1,069,431 1,044,220

Illinois 3,233,104,652 3,058,553,079 2,955,353,350 6,936,649 6,860,829 6,834,258

Indiana 1,825,329,537 1,716,502,102 1,637,843,123 4,638,437 4,567,321 4,511,135

Iowa 745,814,305 713,225,938 687,097,940 2,441,532 2,414,677 2,384,964

Kansas 800,541,185 769,622,934 742,203,859 2,218,210 2,176,616 2,154,208

Kentucky 1,690,909,798 1,626,255,236 1,583,006,280 3,144,976 3,113,780 3,067,366

Louisiana 2,363,873,109 2,168,588,996 2,045,470,820 2,882,424 2,815,813 2,755,053

Maine 336,223,686 318,671,711 305,504,954 959,507 944,249 926,845

Maryland 2,624,014,391 2,468,305,534 2,400,259,000 4,137,187 4,070,662 4,020,190

Massachusetts 2,667,795,338 2,564,105,565 2,505,664,903 4,336,186 4,246,127 4,194,971

Michigan 4,526,225,955 4,440,181,218 4,302,599,935 5,723,982 5,637,137 5,594,969

Minnesota 1,819,874,172 1,744,788,675 1,686,223,595 3,946,358 3,843,635 3,783,898

Mississippi 891,028,755 856,191,903 819,680,055 1,885,487 1,869,657 1,854,515

Missouri 1,808,137,457 1,682,682,562 1,612,554,912 4,115,005 4,062,099 4,006,828

Montana 296,943,913 287,084,423 277,792,591 753,174 736,860 723,317

Nebraska 572,969,098 536,356,291 511,385,601 1,526,896 1,491,583 1,471,240

Nevada 1,311,837,172 1,206,425,868 1,141,719,451 1,810,245 1,752,514 1,709,315

New Hampshire 370,961,703 354,765,073 340,784,903 922,739 906,781 886,005

New Jersey 4,860,219,317 4,700,522,276 4,673,608,296 5,473,905 5,368,034 5,298,882

New Mexico 709,978,126 685,355,409 660,729,518 1,407,108 1,380,325 1,366,687

New York 7,734,678,502 7,406,453,052 7,278,320,709 9,405,514 9,288,441 9,190,011

North Carolina 2,416,269,710 2,335,774,916 2,334,227,775 6,810,823 6,709,602 6,684,588

North Dakota 167,549,224 166,697,534 159,658,131 558,429 554,602 543,245

Ohio 3,248,878,898 3,116,705,912 2,994,446,419 8,009,169 7,926,632 7,861,431

Oklahoma 1,251,449,950 1,205,770,198 1,161,648,889 2,677,622 2,646,460 2,602,632

Oregon 1,668,594,472 1,558,151,141 1,503,664,614 2,735,400 2,687,344 2,631,287

Pennsylvania 4,268,719,536 4,132,023,008 4,066,193,989 8,506,387 8,391,945 8,327,356

Rhode Island 537,656,397 503,082,859 478,612,175 682,668 665,247 652,718

South Carolina 2,035,690,272 1,865,190,998 1,744,672,277 3,629,919 3,554,131 3,459,691

South Dakota 204,527,843 196,064,105 185,134,096 666,473 656,518 641,390

Tennessee 1,947,022,558 1,853,448,460 1,778,434,754 4,594,878 4,463,377 4,340,710

Texas 10,205,063,284 9,283,941,609 8,773,119,359 n/a n/a n/a

Utah 930,111,725 862,550,502 809,007,868 1,815,806 1,756,475 1,716,528

Vermont 155,202,751 151,579,528 149,229,116 434,601 438,714 438,617

Virginia 2,678,210,660 2,608,707,783 2,558,819,542 6,170,517 6,159,234 6,091,372

Washington 2,775,466,545 2,588,916,989 2,460,733,107 4,479,847 4,335,909 4,221,439

West Virginia 646,700,097 642,901,828 645,527,795 1,289,478 1,285,622 1,282,530

Wisconsin 1,510,736,198 1,442,344,518 1,381,449,206 3,921,486 3,879,415 3,832,333

Wyoming 143,189,249 141,531,916 138,853,538 427,381 428,806 426,316

Countrywide 117,683,867,606 110,493,762,586 106,157,547,929 192,241,854 188,306,809 185,183,171

CW w/o Texas 107,478,804,322 101,209,820,977 97,384,428,570 192,241,854 188,306,809 185,183,171


Table 26A



Total Business




STATE 2016 2015 2014

Alabama 1,276,974,814 1,229,514,004 1,078,632,243

Alaska 187,992,181 178,979,759 171,061,289

Arizona 1,965,609,423 1,868,059,724 1,643,238,019

Arkansas 716,285,475 666,166,238 587,909,125

California 10,265,055,901 9,553,181,096 8,684,637,882

Colorado 1,834,026,440 1,771,931,443 1,649,718,230

Connecticut 1,240,848,644 1,228,530,882 1,162,894,947

Delaware 412,510,329 418,888,199 383,471,262

District of Columbia 148,842,894 142,066,767 123,521,740

Florida 9,556,611,481 9,088,917,158 8,026,107,530

Georgia 3,945,268,209 3,749,638,802 3,156,285,619

Hawaii 254,700,485 258,578,392 247,437,806

Idaho 316,353,998 291,060,377 261,387,225

Illinois 2,701,781,527 2,572,424,220 2,343,052,962

Indiana 1,448,293,460 1,397,531,118 1,262,403,249

Iowa 590,651,276 557,426,405 519,804,554

Kansas 627,535,992 606,023,584 559,734,914

Kentucky 1,387,624,799 1,336,746,009 1,227,654,303

Louisiana 2,179,933,875 2,095,708,309 1,798,498,561

Maine 236,767,102 230,131,266 224,857,461

Maryland 2,259,289,459 2,138,999,905 1,966,062,962

Massachusetts 1,834,300,833 1,741,892,684 1,642,927,741

Michigan 4,713,134,361 3,979,644,434 3,084,339,481

Minnesota 1,338,985,007 1,264,812,837 1,211,142,777

Mississippi 732,294,293 702,805,249 635,632,844

Missouri 1,470,489,460 1,417,396,125 1,209,649,586

Montana 199,002,700 215,026,091 196,038,428

Nebraska 434,688,222 433,563,991 406,037,618

Nevada 1,100,452,882 1,111,287,912 1,009,639,084

New Hampshire 277,909,994 255,675,458 256,932,396

New Jersey 3,668,051,829 3,646,000,301 3,514,358,406

New Mexico 513,706,075 500,007,798 497,497,466

New York 6,215,401,680 5,987,418,546 5,559,664,085

North Carolina 2,105,751,385 1,938,685,141 1,797,521,203

North Dakota 117,169,770 116,249,438 108,115,337

Ohio 2,465,209,934 2,397,915,295 2,187,153,701

Oklahoma 902,614,885 894,201,794 806,045,534

Oregon 1,267,803,215 1,221,158,754 1,118,138,751

Pennsylvania 3,184,207,274 3,181,122,506 3,014,551,027

Rhode Island 459,487,282 422,744,751 399,249,979

South Carolina 1,763,965,246 1,719,809,576 1,504,855,443

South Dakota 149,835,155 150,020,423 129,373,019

Tennessee 1,443,003,291 1,355,045,456 1,206,361,997

Texas 7,579,314,874 7,092,116,838 6,239,660,763

Utah 733,653,070 701,510,140 620,009,723

Vermont 105,469,217 116,214,852 102,721,707

Virginia 2,171,637,747 2,086,526,652 1,937,641,486

Washington 2,196,398,588 2,154,515,333 1,996,701,715

West Virginia 431,114,128 404,215,948 396,476,328

Wisconsin 1,153,664,315 1,114,561,553 1,085,432,647

Wyoming 97,335,978 103,644,968 97,548,371

Countrywide 94,379,010,454 89,806,294,501 81,049,790,526

CW w/o Texas 86,799,695,580 82,714,177,663 74,810,129,763


Incurred Losses

Table 26B

Total Business





STATE 2016 2015 2014 2016 2015 2014

Alabama 353.24 346.33 309.07 83.67 87.76 81.03

Alaska 396.65 382.22 372.53 72.18 67.79 65.23

Arizona 449.40 443.35 402.32 82.91 85.61 79.53

Arkansas 342.31 324.12 292.30 83.72 82.65 75.50

California 385.07 369.96 342.56 75.86 76.08 71.96

Colorado 463.03 459.67 440.16 83.24 89.33 90.35

Connecticut 527.31 530.68 508.16 76.87 79.81 77.84

Delaware 624.45 650.72 609.25 77.82 82.05 77.25


Florida 731.13 723.01 666.86 83.14 86.67 80.55

Georgia 590.42 571.57 486.71 90.74 96.45 90.26

Hawaii 293.68 304.28 299.28 64.09 66.67 65.30

Idaho 286.09 272.16 250.32 78.20 77.61 73.31

Illinois 389.49 374.94 342.84 83.57 84.11 79.28

Indiana 312.24 305.98 279.84 79.34 81.42 77.08

Iowa 241.92 230.85 217.95 79.20 78.16 75.65

Kansas 282.90 278.42 259.83 78.39 78.74 75.42

Kentucky 441.22 429.30 400.23 82.06 82.20 77.55

Louisiana 756.28 744.26 652.80 92.22 96.64 87.93

Maine 246.76 243.72 242.61 70.42 72.22 73.60

Maryland 546.09 525.47 489.05 86.10 86.66 81.91

Massachusetts 423.02 410.23 391.64 68.76 67.93 65.57

Michigan 823.40 705.97 551.27 104.13 89.63 71.69

Minnesota 339.30 329.07 320.08 73.58 72.49 71.83

Mississippi 388.38 375.90 342.75 82.19 82.09 77.55

Missouri 357.35 348.93 301.90 81.33 84.23 75.01

Montana 264.22 291.81 271.03 67.02 74.90 70.57

Nebraska 284.69 290.67 275.98 75.87 80.84 79.40

Nevada 607.90 634.11 590.67 83.89 92.11 88.43

New Hampshire 301.18 281.96 289.99 74.92 72.07 75.39

New Jersey 670.10 679.21 663.23 75.47 77.57 75.20

New Mexico 365.08 362.24 364.02 72.36 72.96 75.30

New York 660.83 644.61 604.97 80.36 80.84 76.39

North Carolina 309.18 288.94 268.91 87.15 83.00 77.01

North Dakota 209.82 209.61 199.02 69.93 69.74 67.72

Ohio 307.80 302.51 278.21 75.88 76.94 73.04

Oklahoma 337.10 337.89 309.70 72.13 74.16 69.39

Oregon 463.48 454.41 424.94 75.98 78.37 74.36

Pennsylvania 374.33 379.07 362.01 74.59 76.99 74.14

Rhode Island 673.08 635.47 611.67 85.46 84.03 83.42

South Carolina 485.95 483.89 434.97 86.65 92.21 86.25

South Dakota 224.82 228.51 201.71 73.26 76.52 69.88

Tennessee 314.05 303.59 277.92 74.11 73.11 67.83

Texas n/a n/a n/a 74.27 76.39 71.12

Utah 404.04 399.39 361.20 78.88 81.33 76.64

Vermont 242.68 264.90 234.19 67.96 76.67 68.83

Virginia 351.94 338.76 318.10 81.09 79.98 75.72

Washington 490.28 496.90 472.99 79.14 83.22 81.14

West Virginia 334.33 314.41 309.14 66.66 62.87 61.42

Wisconsin 294.19 287.30 283.23 76.36 77.27 78.57

Wyoming 227.75 241.71 228.82 67.98 73.23 70.25

Countrywide 490.94 476.91 437.67 80.20 81.28 76.35

CW w/o Texas 451.51 439.25 403.98 80.76 81.73 76.82


Table 26C



Total Business



Collision





Collision Collision insurance pays for damage to the policyholder’s own car regardless of fault. A collision is defined as the upset (turning over) of a covered auto or its impact with another vehicle or stationary object. Coverage is limited in two ways. First, the amount the policyholder can collect is no more than the current market value of the vehicle immediately before the accident. Second, the policyholder selects a deductible, which is the amount he or she must pay

before the insurance company makes any payment. Generally, the higher the deductible, the lower the collision coverage premium. Physical damage coverages, (i.e., collision and comprehensive), are not required by law; however, when a car is purchased with a loan, the lender will usually require that the borrower purchase physical damage coverages until the loan is repaid.

Collision State-Specific Information and Technical Notes

Voluntary Market Business and Residual Market Business Collision Data Indivisible physical damage coverage (single premium and deductible for both collision and comprehensivei coverages) data are included with collision data in the case that the data is reported to the statistical agent in this manner. Michigan—Michigan law imposes a tort limitation on collision damage. In an accident, the at-fault driver is only liable for a maximum of $500 for damage to another person’s vehicle that is “not covered by collision insurance.” The property damage liability coverage in a Michigan auto policy does not apply to collision damage. A policyholder can purchase Limited Property Damage Liability Coverage that pays this amount to the owner of the damaged vehicle.

Loss Development

Collision incurred losses are not developed. Except:

California—Incurred losses are developed to 27 months.

i See Comprehensive, Page 185.




STATE 2016 2015 2014 2016 2015 2014

Alabama 843,454,918 779,027,408 726,864,513 2,538,829 2,485,746 2,427,905

Alaska 115,043,311 113,134,035 109,723,419 321,745 314,029 304,428

Arizona 935,503,933 859,620,772 799,696,579 3,259,837 3,131,786 3,025,883

Arkansas 469,163,662 435,581,966 413,213,126 1,402,459 1,371,948 1,335,531

California 7,786,332,873 7,018,443,799 6,405,255,615 18,771,488 18,053,584 17,393,273

Colorado 876,789,911 799,094,886 725,668,459 2,914,083 2,825,922 2,740,425

Connecticut 695,822,154 665,112,005 637,122,598 1,830,184 1,799,329 1,772,020

Delaware 169,639,506 157,458,791 147,361,664 517,350 502,003 488,274


Florida 3,018,299,600 2,603,352,373 2,277,992,427 10,010,586 9,569,626 9,094,231

Georgia 1,730,261,793 1,601,634,167 1,492,770,170 4,984,873 4,853,417 4,676,717

Hawaii 204,462,168 189,480,431 176,786,141 633,324 616,062 595,818

Idaho 177,772,824 160,847,283 147,798,203 782,193 745,480 717,235

Illinois 1,817,851,286 1,714,329,031 1,605,524,630 5,695,190 5,613,605 5,548,060

Indiana 913,398,372 856,774,728 798,979,826 3,509,811 3,455,612 3,395,979

Iowa 412,081,002 388,849,893 364,629,991 1,804,897 1,779,502 1,745,891

Kansas 403,841,059 384,968,065 366,434,552 1,507,275 1,475,977 1,452,758

Kentucky 581,003,856 541,454,093 514,226,812 2,091,187 2,033,002 1,984,546

Louisiana 902,189,991 846,165,499 792,321,869 2,090,206 2,056,874 2,008,209

Maine 188,531,454 176,454,131 166,969,314 690,464 673,779 655,523

Maryland 1,208,587,531 1,116,292,505 1,061,141,457 3,298,249 3,237,046 3,185,875

Massachusetts 1,441,609,414 1,356,601,135 1,278,341,384 3,655,648 3,573,458 3,493,821

Michigan 1,909,194,412 1,754,099,618 1,629,761,644 4,388,431 4,275,369 4,178,149

Minnesota 732,452,674 683,102,022 628,899,595 3,020,734 2,945,161 2,879,035

Mississippi 444,320,036 409,593,497 388,081,171 1,312,254 1,292,291 1,270,716

Missouri 862,991,813 801,834,773 756,266,781 3,009,462 2,954,356 2,900,262

Montana 129,990,501 124,268,404 116,247,791 483,909 468,346 454,567

Nebraska 254,525,526 239,695,482 226,215,571 1,035,603 1,016,348 996,616

Nevada 425,617,829 390,315,240 363,756,181 1,352,378 1,302,510 1,254,948

New Hampshire 257,481,271 239,669,390 222,187,502 829,616 810,469 782,951

New Jersey 1,636,663,132 1,565,265,732 1,488,474,540 4,222,406 4,117,815 4,042,007

New Mexico 256,365,330 238,698,934 226,153,304 899,384 875,488 857,427

New York 2,894,260,208 2,668,742,199 2,497,984,025 7,105,828 6,982,897 6,839,942

North Carolina 1,388,518,728 1,285,513,588 1,195,523,064 4,773,163 4,698,959 4,573,690

North Dakota 100,275,916 97,250,136 90,855,773 390,211 384,513 371,519

Ohio 1,762,748,686 1,652,070,428 1,561,329,797 6,259,717 6,168,680 6,067,852

Oklahoma 579,757,185 550,323,453 515,937,484 1,772,684 1,749,851 1,719,476

Oregon 482,477,176 447,569,769 412,941,615 2,059,428 2,003,827 1,945,945

Pennsylvania 2,293,448,416 2,154,713,529 2,040,891,666 6,748,641 6,640,635 6,553,080

Rhode Island 207,702,932 190,753,292 176,535,042 484,525 470,765 456,590

South Carolina 740,856,296 678,542,446 620,676,563 2,657,960 2,583,194 2,492,538

South Dakota 97,019,996 91,318,737 86,112,394 446,595 437,049 424,075

Tennessee 1,039,823,945 973,135,916 916,981,858 3,278,629 3,169,447 3,073,491

Texas 5,001,833,341 4,546,741,689 4,172,564,421 n/a n/a n/a

Utah 379,453,611 350,609,105 326,829,237 1,390,035 1,333,005 1,285,744

Vermont 108,893,587 103,643,548 97,823,037 348,599 346,601 340,901

Virginia 1,375,116,184 1,317,256,810 1,251,719,964 4,746,348 4,696,101 4,615,516

Washington 963,579,629 876,660,116 819,803,746 3,516,003 3,375,884 3,270,674

West Virginia 297,297,296 289,026,817 279,781,002 885,962 875,859 859,838

Wisconsin 737,119,357 690,823,086 649,486,695 3,131,926 3,081,217 3,017,266

Wyoming 80,203,182 78,444,086 74,566,237 283,240 283,436 279,057

Countrywide 52,428,314,335 48,347,028,073 44,930,762,158 143,347,564 139,706,428 136,038,025

CW w/o Texas 47,426,480,994 43,800,286,384 40,758,197,737 143,347,564 139,706,428 136,038,025

Table 27A

Collision 2014-2016


Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 655,989,637 617,536,011 558,277,930 149,537 145,426 141,888

Alaska 81,066,537 75,682,539 67,102,970 17,227 16,369 15,843

Arizona 762,652,212 688,732,602 590,886,954 184,078 168,726 158,113

Arkansas 361,027,776 352,062,796 312,463,525 77,143 76,674 75,109

California 5,389,007,703 4,821,019,579 4,044,919,816 1,384,732 1,281,430 1,149,922

Colorado 704,181,991 659,597,811 602,904,824 164,701 163,540 157,343

Connecticut 492,468,833 480,437,176 446,504,674 108,629 110,905 106,286

Delaware 127,078,344 122,463,854 108,882,606 32,753 32,006 30,750


Florida 2,508,599,051 2,288,694,326 1,935,814,919 600,759 560,072 498,181

Georgia 1,363,000,484 1,251,394,440 1,064,882,426 303,732 294,257 271,870

Hawaii 151,750,161 133,875,914 123,782,864 37,146 34,595 32,845

Idaho 136,846,211 120,241,384 108,899,273 34,812 31,777 30,866

Illinois 1,389,786,144 1,298,376,532 1,208,111,798 356,704 348,563 351,772

Indiana 710,344,178 683,356,712 628,120,482 183,054 177,308 176,861

Iowa 299,750,043 285,523,851 277,783,563 83,401 76,344 78,298

Kansas 303,760,015 292,097,389 270,466,983 74,442 68,011 70,317

Kentucky 447,276,972 420,366,998 381,405,546 99,853 105,175 111,686

Louisiana 759,985,335 705,696,819 623,743,173 162,321 154,541 144,860

Maine 123,132,721 119,734,934 113,293,382 34,332 35,690 35,012

Maryland 970,159,817 889,561,574 810,309,831 252,961 239,879 228,506

Massachusetts 882,558,115 863,022,531 771,720,714 270,869 276,530 246,592

Michigan 1,466,855,929 1,367,035,842 1,349,256,555 350,920 332,132 365,568

Minnesota 548,115,714 501,491,245 503,931,767 149,009 140,442 154,952

Mississippi 338,685,436 323,677,770 298,211,239 82,832 78,751 71,906

Missouri 689,541,677 651,457,594 589,081,891 169,553 160,495 155,119

Montana 89,623,164 87,967,925 83,024,753 20,103 20,110 20,909

Nebraska 193,036,153 183,051,029 171,249,669 48,637 45,153 44,770

Nevada 352,890,309 320,258,162 275,258,839 81,297 73,724 68,945

New Hampshire 170,858,355 165,770,168 151,687,262 48,560 49,497 47,398

New Jersey 1,162,841,216 1,137,415,106 1,038,190,238 304,529 262,644 253,100

New Mexico 196,275,882 183,726,078 166,584,845 48,275 44,877 44,303

New York 2,265,548,816 2,217,793,371 2,026,334,735 479,068 479,989 453,564

North Carolina 969,462,572 865,970,111 796,528,082 249,362 236,000 226,217

North Dakota 72,445,563 69,993,582 65,483,367 19,268 18,799 19,139

Ohio 1,245,010,939 1,222,044,047 1,148,970,798 336,119 339,584 336,824

Oklahoma 410,717,453 418,576,522 389,138,025 87,431 90,964 92,400

Oregon 409,312,804 354,465,546 318,256,783 106,191 95,943 95,197

Pennsylvania 1,740,014,612 1,702,288,182 1,560,540,036 450,551 449,779 435,188

Rhode Island 156,777,818 151,289,150 139,144,877 34,414 34,754 32,233

South Carolina 578,161,798 533,985,924 473,521,893 144,913 139,570 133,151

South Dakota 70,634,029 68,405,887 62,956,068 18,181 17,470 17,202

Tennessee 747,693,372 700,265,691 602,999,382 172,612 164,329 151,064

Texas 3,447,731,621 3,241,924,553 2,824,170,015 n/a n/a n/a

Utah 298,329,610 265,828,688 231,824,601 80,063 67,613 62,316

Vermont 69,978,929 67,315,163 68,129,228 17,124 18,147 18,474

Virginia 1,026,868,817 971,538,871 891,293,174 298,280 287,258 275,155

Washington 765,535,194 676,670,927 606,833,676 187,081 170,903 166,702

West Virginia 190,949,524 196,812,984 190,146,133 41,307 42,809 42,621

Wisconsin 537,591,269 506,487,649 493,204,388 151,914 144,347 149,376

Wyoming 56,099,184 55,695,193 57,299,232 12,862 13,000 14,106

Countrywide 38,965,554,029 36,447,724,670 32,681,139,055 8,827,198 8,438,255 8,079,714

CW w/o Texas 35,517,822,408 33,205,800,117 29,856,969,040 8,827,198 8,438,255 8,079,714

Table 27B

Collision 2014-2016


Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 258.38 248.43 229.94 77.77 79.27 76.81

Alaska 251.96 241.00 220.42 70.47 66.90 61.16

Arizona 233.95 219.92 195.28 81.52 80.12 73.89

Arkansas 257.42 256.62 233.96 76.95 80.83 75.62

California 287.08 267.04 232.56 69.21 68.69 63.15

Colorado 241.65 233.41 220.00 80.31 82.54 83.08

Connecticut 269.08 267.01 251.97 70.78 72.23 70.08

Delaware 245.63 243.95 222.99 74.91 77.78 73.89


Florida 250.59 239.16 212.86 83.11 87.91 84.98

Georgia 273.43 257.84 227.70 78.77 78.13 71.34

Hawaii 239.61 217.31 207.75 74.22 70.65 70.02

Idaho 174.95 161.29 151.83 76.98 74.75 73.68

Illinois 244.03 231.29 217.75 76.45 75.74 75.25

Indiana 202.39 197.75 184.96 77.77 79.76 78.62

Iowa 166.08 160.45 159.11 72.74 73.43 76.18

Kansas 201.53 197.90 186.17 75.22 75.88 73.81

Kentucky 213.89 206.77 192.19 76.98 77.64 74.17

Louisiana 363.59 343.09 310.60 84.24 83.40 78.72

Maine 178.33 177.71 172.83 65.31 67.86 67.85

Maryland 294.14 274.81 254.34 80.27 79.69 76.36

Massachusetts 241.42 241.51 220.88 61.22 63.62 60.37

Michigan 334.26 319.75 322.93 76.83 77.93 82.79

Minnesota 181.45 170.28 175.03 74.83 73.41 80.13

Mississippi 258.09 250.47 234.68 76.23 79.02 76.84

Missouri 229.12 220.51 203.11 79.90 81.25 77.89

Montana 185.21 187.83 182.65 68.95 70.79 71.42

Nebraska 186.40 180.11 171.83 75.84 76.37 75.70

Nevada 260.94 245.88 219.34 82.91 82.05 75.67

New Hampshire 205.95 204.54 193.74 66.36 69.17 68.27

New Jersey 275.40 276.22 256.85 71.05 72.67 69.75

New Mexico 218.23 209.86 194.28 76.56 76.97 73.66

New York 318.83 317.60 296.25 78.28 83.10 81.12

North Carolina 203.11 184.29 174.15 69.82 67.36 66.63

North Dakota 185.66 182.03 176.26 72.25 71.97 72.07

Ohio 198.89 198.10 189.35 70.63 73.97 73.59

Oklahoma 231.69 239.21 226.31 70.84 76.06 75.42

Oregon 198.75 176.89 163.55 84.84 79.20 77.07

Pennsylvania 257.83 256.34 238.14 75.87 79.00 76.46

Rhode Island 323.57 321.37 304.75 75.48 79.31 78.82

South Carolina 217.52 206.72 189.98 78.04 78.70 76.29

South Dakota 158.16 156.52 148.46 72.80 74.91 73.11

Tennessee 228.05 220.94 196.19 71.91 71.96 65.76

Texas n/a n/a n/a 68.93 71.30 67.68

Utah 214.62 199.42 180.30 78.62 75.82 70.93

Vermont 200.74 194.22 199.85 64.26 64.95 69.65

Virginia 216.35 206.88 193.11 74.68 73.75 71.21

Washington 217.73 200.44 185.54 79.45 77.19 74.02

West Virginia 215.53 224.71 221.14 64.23 68.10 67.96

Wisconsin 171.65 164.38 163.46 72.93 73.32 75.94

Wyoming 198.06 196.50 205.33 69.95 71.00 76.84

Countrywide 271.83 260.89 240.24 74.32 75.39 72.74

CW w/o Texas 247.77 237.68 219.48 74.89 75.81 73.25

Table 27C

Collision 2014-2016


Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 5.89 5.85 5.84 4,386.80 4,246.39 3,934.64

Alaska 5.35 5.21 5.20 4,705.78 4,623.53 4,235.50

Arizona 5.65 5.39 5.23 4,143.09 4,081.96 3,737.12

Arkansas 5.50 5.59 5.62 4,679.98 4,591.68 4,160.13

California 7.38 7.10 6.61 3,891.73 3,762.22 3,517.56

Colorado 5.65 5.79 5.74 4,275.52 4,033.25 3,831.79

Connecticut 5.94 6.16 6.00 4,533.49 4,331.97 4,200.97

Delaware 6.33 6.38 6.30 3,879.90 3,826.28 3,540.90


Florida 6.00 5.85 5.48 4,175.72 4,086.43 3,885.77

Georgia 6.09 6.06 5.81 4,487.51 4,252.73 3,916.88

Hawaii 5.87 5.62 5.51 4,085.24 3,869.81 3,768.70

Idaho 4.45 4.26 4.30 3,931.01 3,783.91 3,528.13

Illinois 6.26 6.21 6.34 3,896.19 3,724.94 3,434.36

Indiana 5.22 5.13 5.21 3,880.52 3,854.07 3,551.49

Iowa 4.62 4.29 4.48 3,594.08 3,739.96 3,547.77

Kansas 4.94 4.61 4.84 4,080.49 4,294.86 3,846.40

Kentucky 4.77 5.17 5.63 4,479.35 3,996.83 3,414.98

Louisiana 7.77 7.51 7.21 4,681.99 4,566.41 4,305.83

Maine 4.97 5.30 5.34 3,586.53 3,354.86 3,235.84

Maryland 7.67 7.41 7.17 3,835.21 3,708.38 3,546.12

Massachusetts 7.41 7.74 7.06 3,258.25 3,120.90 3,129.54

Michigan 8.00 7.77 8.75 4,180.03 4,115.94 3,690.85

Minnesota 4.93 4.77 5.38 3,678.41 3,570.81 3,252.18

Mississippi 6.31 6.09 5.66 4,088.82 4,110.14 4,147.24

Missouri 5.63 5.43 5.35 4,066.82 4,059.05 3,797.61

Montana 4.15 4.29 4.60 4,458.20 4,374.34 3,970.77

Nebraska 4.70 4.44 4.49 3,968.92 4,054.02 3,825.10

Nevada 6.01 5.66 5.49 4,340.75 4,344.02 3,992.44

New Hampshire 5.85 6.11 6.05 3,518.50 3,349.10 3,200.29

New Jersey 7.21 6.38 6.26 3,818.49 4,330.63 4,101.90

New Mexico 5.37 5.13 5.17 4,065.79 4,093.99 3,760.13

New York 6.74 6.87 6.63 4,729.08 4,620.51 4,467.58

North Carolina 5.22 5.02 4.95 3,887.77 3,669.36 3,521.08

North Dakota 4.94 4.89 5.15 3,759.89 3,723.26 3,421.46

Ohio 5.37 5.50 5.55 3,704.08 3,598.65 3,411.19

Oklahoma 4.93 5.20 5.37 4,697.62 4,601.56 4,211.45

Oregon 5.16 4.79 4.89 3,854.50 3,694.54 3,343.14

Pennsylvania 6.68 6.77 6.64 3,861.97 3,784.72 3,585.90

Rhode Island 7.10 7.38 7.06 4,555.64 4,353.14 4,316.85

South Carolina 5.45 5.40 5.34 3,989.72 3,825.94 3,556.28

South Dakota 4.07 4.00 4.06 3,885.05 3,915.62 3,659.81

Tennessee 5.26 5.18 4.92 4,331.64 4,261.36 3,991.68


Utah 5.76 5.07 4.85 3,726.19 3,931.62 3,720.15

Vermont 4.91 5.24 5.42 4,086.60 3,709.44 3,687.84

Virginia 6.28 6.12 5.96 3,442.63 3,382.11 3,239.24

Washington 5.32 5.06 5.10 4,092.00 3,959.39 3,640.23

West Virginia 4.66 4.89 4.96 4,622.69 4,597.47 4,461.33

Wisconsin 4.85 4.68 4.95 3,538.79 3,508.82 3,301.76

Wyoming 4.54 4.59 5.05 4,361.62 4,284.25 4,062.05

Countrywide 6.16 6.04 5.94 4,414.26 4,319.34 4,044.84

CW w/o Texas 6.16 6.04 5.94 4,023.68 3,935.15 3,695.30

Table 27D

Collision 2014-2016

Frequency Severity

Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0 0 0 0 0 0

Alaska 957 1,503 398 2 5 1

Arizona 0 0 0 0 0 0


California 0 0 0 0 0 0


Connecticut 24,293 11,916 24,162 20 14 19

Delaware 990 424 235 0 0 0


Florida 113,319 78,932 150,588 50 52 144

Georgia 0 0 0 0 0 0

Hawaii 31,338 36,584 29,956 28 36 35

Idaho 0 610 95 0 0 0

Illinois 67,628 63,416 65,379 47 61 67

Indiana 0 -37 542 0 0 1

Iowa 1,121 615 -118 1 1 0

Kansas 180,123 217,960 208,604 257 294 278



Maine 3,065 2,458 5,077 1 1 3

Maryland 10,897,703 11,254,176 10,003,731 8,747 9,762 9,910

Massachusetts 22,456,794 22,132,439 25,967,874 26,129 26,766 33,122

Michigan 1,577,521 1,270,925 1,512,474 1,317 1,217 1,488

Minnesota 1,127 0 -83 0 0 0

Mississippi 1,356 3,350 885 1 2 2

Missouri 5,048 638 1,357 2 0 2

Montana 0 0 3 0 0 0


Nevada 5,901 753 0 2 0 0

New Hampshire 42,491 51,271 58,758 42 53 64

New Jersey 2,389,520 2,476,928 3,389,595 1,853 2,127 3,162

New Mexico 3,463 64 1,513 1 0 1

New York 3,346,604 3,435,449 3,847,495 2,015 2,160 2,539



Ohio 0 0 0 0 0 0

Oklahoma 3,284 2,485 222 1 1 0

Oregon 325 543 0 0 1 0

Pennsylvania 38,093 33,075 44,584 25 34 42

Rhode Island 56,391 62,385 39,819 28 27 23



Tennessee 268 178 2,472 0 0 1


Utah -52 982 1,355 0 0 2

Vermont 2,415 6,345 9,392 3 6 8

Virginia 109,487 144,994 179,862 58 77 90


West Virginia 3,631 4,075 4,169 2 1 1

Wisconsin 0 304 0 0 0 0

Wyoming 0 0 0 0 0 0

Countrywide 41,401,184 41,315,643 45,590,871 40,657 42,711 51,026

CW w/o Texas 41,401,184 41,315,643 45,590,871 40,657 42,711 51,026

Table 28A

Collision 2014-2016


Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0 0 0 0 0 0

Alaska 0 0 0 0 0 0

Arizona 0 0 0 0 0 0




Connecticut 12,602 1,275 6,831 3 1 5

Delaware 0 353 0 0 0 0


Florida 44,577 69,571 183,362 10 8 22

Georgia 0 0 0 0 0 0

Hawaii 47,325 6,012 21,463 2 2 4

Idaho 0 0 0 0 0 0

Illinois 61,975 61,776 105,504 8 7 12

Indiana 0 0 0 0 0 0

Iowa 0 0 0 0 0 0

Kansas 156,646 101,714 102,144 27 19 24



Maine 30,808 41,751 19,305 2 3 3

Maryland 9,179,652 9,907,689 7,934,533 1,842 2,018 1,793

Massachusetts 20,201,341 19,102,139 20,785,754 5,113 5,149 5,674

Michigan 983,340 826,482 1,021,964 161 135 200



Missouri 0 0 429 0 0 1

Montana 0 0 0 0 0 0


Nevada 0 0 0 0 0 0

New Hampshire 30,159 30,573 27,391 8 10 7

New Jersey 1,695,679 2,019,813 2,424,812 384 337 481


New York 1,879,002 2,076,849 1,834,987 330 371 376



Ohio 0 0 0 0 0 0

Oklahoma -3,972 14,341 15,562 0 1 1

Oregon 0 0 0 0 0 0

Pennsylvania -7,877 11,813 919 0 4 5

Rhode Island 50,671 34,689 11,445 7 9 3





Utah 0 0 0 0 0 0

Vermont 143 0 6,558 0 0 2

Virginia 816,809 44,083 64,929 13 11 17




Wyoming 0 0 0 0 0 0

Countrywide 35,211,267 34,373,486 34,608,295 7,919 8,091 8,636

CW w/o Texas 35,211,267 34,373,486 34,608,295 7,919 8,091 8,636

Table 28B

Collision 2014-2016


Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama - - - - - -

Alaska 0.00 0.00 0.00 0.00 0.00 0.00

Arizona - - - - - -




Connecticut 630.10 91.07 359.53 51.88 10.70 28.27

Delaware - - - 0.00 83.25 0.00

District of Columbia 970.04 1,735.62 1,923.95 62.69 113.36 99.82

Florida 891.54 1,337.90 1,273.35 39.34 88.14 121.76

Georgia - - - - - -

Hawaii 1,690.18 167.00 613.23 151.01 16.43 71.65

Idaho - - - - 0.00 0.00

Illinois 1,318.62 1,012.72 1,574.69 91.64 97.41 161.37

Indiana - - 0.00 - 0.00 0.00

Iowa 0.00 0.00 - 0.00 0.00 0.00

Kansas 609.52 345.97 367.42 86.97 46.67 48.97



Maine 30,808.00 41,751.00 6,435.00 1,005.15 1,698.58 380.24

Maryland 1,049.46 1,014.92 800.66 84.23 88.04 79.32

Massachusetts 773.14 713.67 627.55 89.96 86.31 80.04

Michigan 746.65 679.11 686.80 62.33 65.03 67.57

Minnesota - - - 0.00 - 0.00

Mississippi 0.00 0.00 0.00 0.00 0.00 0.00

Missouri 0.00 - 214.50 0.00 0.00 31.61

Montana - - - - - 0.00


Nevada 0.00 - - 0.00 0.00 -

New Hampshire 718.07 576.85 427.98 70.98 59.63 46.62

New Jersey 915.10 949.61 766.86 70.96 81.55 71.54

New Mexico 0.00 - 0.00 0.00 0.00 0.00

New York 932.51 961.50 722.72 56.15 60.45 47.69



Ohio - - - - - -

Oklahoma -3,972.00 14,341.00 - -120.95 577.10 7,009.91

Oregon - 0.00 - 0.00 0.00 -

Pennsylvania -315.08 347.44 21.88 -20.68 35.72 2.06

Rhode Island 1,809.68 1,284.78 497.61 89.86 55.60 28.74

South Carolina 5,038.00 - - 724.89 - -


Tennessee - - 0.00 0.00 0.00 0.00


Utah - - 0.00 0.00 0.00 0.00

Vermont 47.67 0.00 819.75 5.92 0.00 69.83

Virginia 14,082.91 572.51 721.43 746.03 30.40 36.10


West Virginia 0.00 0.00 0.00 0.00 0.00 0.00

Wisconsin - - - - 0.00 -

Wyoming - - - - - -

Countrywide 866.06 804.79 678.25 85.05 83.20 75.91

CW w/o Texas 866.06 804.79 678.25 85.05 83.20 75.91

Table 28C

Collision 2014-2016


Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama - - - - - -

Alaska 0.00 0.00 0.00 - - -

Arizona - - - - - -




Connecticut 15.00 7.14 26.32 4,200.67 1,275.00 1,366.20



Florida 20.00 15.38 15.28 4,457.70 8,696.38 8,334.64

Georgia - - - - - -

Hawaii 7.14 5.56 11.43 23,662.50 3,006.00 5,365.75

Idaho - - - - - -

Illinois 17.02 11.48 17.91 7,746.88 8,825.14 8,792.00

Indiana - - 0.00 - - -

Iowa 0.00 0.00 - - - -

Kansas 10.51 6.46 8.63 5,801.70 5,353.37 4,256.00



Maine 200.00 300.00 100.00 15,404.00 13,917.00 6,435.00

Maryland 21.06 20.67 18.09 4,983.52 4,909.66 4,425.28

Massachusetts 19.57 19.24 17.13 3,950.98 3,709.87 3,663.33

Michigan 12.22 11.09 13.44 6,107.70 6,122.09 5,109.82


Mississippi 0.00 0.00 0.00 - - -

Missouri 0.00 - 50.00 - - 429.00

Montana - - - - - -


Nevada 0.00 - - - - -

New Hampshire 19.05 18.87 10.94 3,769.88 3,057.30 3,913.00

New Jersey 20.72 15.84 15.21 4,415.83 5,993.51 5,041.19

New Mexico 0.00 - 0.00 - - -

New York 16.38 17.18 14.81 5,693.95 5,597.98 4,880.28



Ohio - - - - - -

Oklahoma 0.00 100.00 - - 14,341.00 15,562.00

Oregon - 0.00 - - - -

Pennsylvania 0.00 11.76 11.90 - 2,953.25 183.80

Rhode Island 25.00 33.33 13.04 7,238.71 3,854.33 3,815.00

South Carolina 50.00 - - 10,076.00 - -


Tennessee - - 0.00 - - -


Utah - - 0.00 - - -

Vermont 0.00 0.00 25.00 - - 3,279.00

Virginia 22.41 14.29 18.89 62,831.46 4,007.55 3,819.35


West Virginia 0.00 0.00 0.00 - - -


Wyoming - - - - - -

Countrywide 19.48 18.94 16.92 4,446.43 4,248.36 4,007.44

CW w/o Texas 19.48 18.94 16.92 4,446.43 4,248.36 4,007.44

Table 28D

Collision 2014-2016

Frequency Severity

Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 843,454,918 779,027,408 726,864,513 2,538,829 2,485,746 2,427,905

Alaska 115,044,268 113,135,538 109,723,817 321,747 314,034 304,429

Arizona 935,503,933 859,620,772 799,696,579 3,259,837 3,131,786 3,025,883

Arkansas 469,163,662 435,581,966 413,213,126 1,402,459 1,371,948 1,335,531

California 7,786,332,873 7,018,443,799 6,405,255,615 18,771,488 18,053,584 17,393,273

Colorado 876,789,911 799,094,886 725,668,459 2,914,083 2,825,922 2,740,425

Connecticut 695,846,447 665,123,921 637,146,760 1,830,204 1,799,343 1,772,039

Delaware 169,640,496 157,459,215 147,361,899 517,350 502,003 488,274


Florida 3,018,412,919 2,603,431,305 2,278,143,015 10,010,636 9,569,678 9,094,375

Georgia 1,730,261,793 1,601,634,167 1,492,770,170 4,984,873 4,853,417 4,676,717

Hawaii 204,493,506 189,517,015 176,816,097 633,352 616,098 595,853

Idaho 177,772,824 160,847,893 147,798,298 782,193 745,480 717,235

Illinois 1,817,918,914 1,714,392,447 1,605,590,009 5,695,237 5,613,666 5,548,127

Indiana 913,398,372 856,774,691 798,980,368 3,509,811 3,455,612 3,395,980

Iowa 412,082,123 388,850,508 364,629,873 1,804,898 1,779,503 1,745,891

Kansas 404,021,182 385,186,025 366,643,156 1,507,532 1,476,271 1,453,036

Kentucky 581,003,856 541,454,093 514,226,812 2,091,187 2,033,002 1,984,546

Louisiana 902,189,991 846,165,499 792,321,869 2,090,206 2,056,874 2,008,209

Maine 188,534,519 176,456,589 166,974,391 690,465 673,780 655,526

Maryland 1,219,485,234 1,127,546,681 1,071,145,188 3,306,996 3,246,808 3,195,785

Massachusetts 1,464,066,208 1,378,733,574 1,304,309,258 3,681,777 3,600,224 3,526,943

Michigan 1,910,771,933 1,755,370,543 1,631,274,118 4,389,748 4,276,586 4,179,637

Minnesota 732,453,801 683,102,022 628,899,512 3,020,734 2,945,161 2,879,035

Mississippi 444,321,392 409,596,847 388,082,056 1,312,255 1,292,293 1,270,718

Missouri 862,996,861 801,835,411 756,268,138 3,009,464 2,954,356 2,900,264

Montana 129,990,501 124,268,404 116,247,794 483,909 468,346 454,567

Nebraska 254,525,526 239,695,482 226,215,571 1,035,603 1,016,348 996,616

Nevada 425,623,730 390,315,993 363,756,181 1,352,380 1,302,510 1,254,948

New Hampshire 257,523,762 239,720,661 222,246,260 829,658 810,522 783,015

New Jersey 1,639,052,652 1,567,742,660 1,491,864,135 4,224,259 4,119,942 4,045,169

New Mexico 256,368,793 238,698,998 226,154,817 899,385 875,488 857,428

New York 2,897,606,812 2,672,177,648 2,501,831,520 7,107,843 6,985,057 6,842,481

North Carolina 1,388,518,728 1,285,513,588 1,195,523,064 4,773,163 4,698,959 4,573,690

North Dakota 100,275,916 97,250,136 90,855,773 390,211 384,513 371,519

Ohio 1,762,748,686 1,652,070,428 1,561,329,797 6,259,717 6,168,680 6,067,852

Oklahoma 579,760,469 550,325,938 515,937,706 1,772,685 1,749,852 1,719,476

Oregon 482,477,501 447,570,312 412,941,615 2,059,428 2,003,828 1,945,945

Pennsylvania 2,293,486,509 2,154,746,604 2,040,936,250 6,748,666 6,640,669 6,553,122

Rhode Island 207,759,323 190,815,677 176,574,861 484,553 470,792 456,613

South Carolina 740,857,686 678,542,446 620,676,563 2,657,962 2,583,194 2,492,538

South Dakota 97,019,996 91,318,737 86,112,394 446,595 437,049 424,075

Tennessee 1,039,824,213 973,136,094 916,984,330 3,278,629 3,169,447 3,073,492

Texas 5,001,833,341 4,546,741,689 4,172,564,421 n/a n/a n/a

Utah 379,453,559 350,610,087 326,830,592 1,390,035 1,333,005 1,285,746

Vermont 108,896,002 103,649,893 97,832,429 348,602 346,607 340,909

Virginia 1,375,225,671 1,317,401,804 1,251,899,826 4,746,406 4,696,178 4,615,606

Washington 963,579,629 876,660,116 819,803,746 3,516,003 3,375,884 3,270,674

West Virginia 297,300,927 289,030,892 279,785,171 885,964 875,860 859,839

Wisconsin 737,119,357 690,823,390 649,486,695 3,131,926 3,081,217 3,017,266

Wyoming 80,203,182 78,444,086 74,566,237 283,240 283,436 279,057

Countrywide 52,469,715,519 48,388,343,716 44,976,353,029 143,388,221 139,749,139 136,089,051

CW w/o Texas 47,467,882,178 43,841,602,027 40,803,788,608 143,388,221 139,749,139 136,089,051

Table 29A

Collision 2014-2016


Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 655,989,637 617,536,011 558,277,930 149,537 145,426 141,888

Alaska 81,066,537 75,682,539 67,102,970 17,227 16,369 15,843

Arizona 762,652,212 688,732,602 590,886,954 184,078 168,726 158,113

Arkansas 361,027,776 352,062,796 312,463,525 77,143 76,674 75,109

California 5,389,007,703 4,821,019,579 4,044,919,816 1,384,732 1,281,430 1,149,922

Colorado 704,181,991 659,597,811 602,904,824 164,701 163,540 157,343

Connecticut 492,481,435 480,438,451 446,511,505 108,632 110,906 106,291

Delaware 127,078,344 122,464,207 108,882,606 32,753 32,006 30,750


Florida 2,508,643,628 2,288,763,897 1,935,998,281 600,769 560,080 498,203

Georgia 1,363,000,484 1,251,394,440 1,064,882,426 303,732 294,257 271,870

Hawaii 151,797,486 133,881,926 123,804,327 37,148 34,597 32,849

Idaho 136,846,211 120,241,384 108,899,273 34,812 31,777 30,866

Illinois 1,389,848,119 1,298,438,308 1,208,217,302 356,712 348,570 351,784

Indiana 710,344,178 683,356,712 628,120,482 183,054 177,308 176,861

Iowa 299,750,043 285,523,851 277,783,563 83,401 76,344 78,298

Kansas 303,916,661 292,199,103 270,569,127 74,469 68,030 70,341

Kentucky 447,276,972 420,366,998 381,405,546 99,853 105,175 111,686

Louisiana 759,985,335 705,696,819 623,743,173 162,321 154,541 144,860

Maine 123,163,529 119,776,685 113,312,687 34,334 35,693 35,015

Maryland 979,339,469 899,469,263 818,244,364 254,803 241,897 230,299

Massachusetts 902,759,456 882,124,670 792,506,468 275,982 281,679 252,266

Michigan 1,467,839,269 1,367,862,324 1,350,278,519 351,081 332,267 365,768

Minnesota 548,115,714 501,491,245 503,931,767 149,009 140,442 154,952

Mississippi 338,685,436 323,677,770 298,211,239 82,832 78,751 71,906

Missouri 689,541,677 651,457,594 589,082,320 169,553 160,495 155,120

Montana 89,623,164 87,967,925 83,024,753 20,103 20,110 20,909

Nebraska 193,036,153 183,051,029 171,249,669 48,637 45,153 44,770

Nevada 352,890,309 320,258,162 275,258,839 81,297 73,724 68,945

New Hampshire 170,888,514 165,800,741 151,714,653 48,568 49,507 47,405

New Jersey 1,164,536,895 1,139,434,919 1,040,615,050 304,913 262,981 253,581

New Mexico 196,275,882 183,726,078 166,584,845 48,275 44,877 44,303

New York 2,267,427,818 2,219,870,220 2,028,169,722 479,398 480,360 453,940

North Carolina 969,462,572 865,970,111 796,528,082 249,362 236,000 226,217

North Dakota 72,445,563 69,993,582 65,483,367 19,268 18,799 19,139

Ohio 1,245,010,939 1,222,044,047 1,148,970,798 336,119 339,584 336,824

Oklahoma 410,713,481 418,590,863 389,153,587 87,431 90,965 92,401

Oregon 409,312,804 354,465,546 318,256,783 106,191 95,943 95,197

Pennsylvania 1,740,006,735 1,702,299,995 1,560,540,955 450,551 449,783 435,193

Rhode Island 156,828,489 151,323,839 139,156,322 34,421 34,763 32,236

South Carolina 578,171,874 533,985,924 473,521,893 144,914 139,570 133,151

South Dakota 70,634,029 68,405,887 62,956,068 18,181 17,470 17,202

Tennessee 747,693,372 700,265,691 602,999,382 172,612 164,329 151,064

Texas 3,447,731,621 3,241,924,553 2,824,170,015 n/a n/a n/a

Utah 298,329,610 265,828,688 231,824,601 80,063 67,613 62,316

Vermont 69,979,072 67,315,163 68,135,786 17,124 18,147 18,476

Virginia 1,027,685,626 971,582,954 891,358,103 298,293 287,269 275,172

Washington 765,535,194 676,670,927 606,833,676 187,081 170,903 166,702

West Virginia 190,949,524 196,812,984 190,146,133 41,307 42,809 42,621

Wisconsin 537,591,269 506,487,649 493,204,388 151,914 144,347 149,376

Wyoming 56,099,184 55,695,193 57,299,232 12,862 13,000 14,106

Countrywide 39,000,765,296 36,482,098,156 32,715,747,350 8,835,117 8,446,346 8,088,350

CW w/o Texas 35,553,033,675 33,240,173,603 29,891,577,335 8,835,117 8,446,346 8,088,350

Table 29B

Collision 2014-2016


Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 258.38 248.43 229.94 77.77 79.27 76.81

Alaska 251.96 241.00 220.42 70.47 66.90 61.16

Arizona 233.95 219.92 195.28 81.52 80.12 73.89

Arkansas 257.42 256.62 233.96 76.95 80.83 75.62

California 287.08 267.04 232.56 69.21 68.69 63.15

Colorado 241.65 233.41 220.00 80.31 82.54 83.08

Connecticut 269.09 267.01 251.98 70.77 72.23 70.08

Delaware 245.63 243.95 222.99 74.91 77.78 73.89


Florida 250.60 239.17 212.88 83.11 87.91 84.98

Georgia 273.43 257.84 227.70 78.77 78.13 71.34

Hawaii 239.67 217.31 207.78 74.23 70.64 70.02

Idaho 174.95 161.29 151.83 76.98 74.75 73.68

Illinois 244.04 231.30 217.77 76.45 75.74 75.25

Indiana 202.39 197.75 184.96 77.77 79.76 78.62

Iowa 166.08 160.45 159.11 72.74 73.43 76.18

Kansas 201.60 197.93 186.21 75.22 75.86 73.80

Kentucky 213.89 206.77 192.19 76.98 77.64 74.17

Louisiana 363.59 343.09 310.60 84.24 83.40 78.72

Maine 178.38 177.77 172.86 65.33 67.88 67.86

Maryland 296.14 277.03 256.04 80.31 79.77 76.39

Massachusetts 245.20 245.02 224.70 61.66 63.98 60.76

Michigan 334.38 319.85 323.06 76.82 77.92 82.77

Minnesota 181.45 170.28 175.03 74.83 73.41 80.13

Mississippi 258.09 250.47 234.68 76.23 79.02 76.84

Missouri 229.12 220.51 203.11 79.90 81.25 77.89

Montana 185.21 187.83 182.65 68.95 70.79 71.42

Nebraska 186.40 180.11 171.83 75.84 76.37 75.70

Nevada 260.94 245.88 219.34 82.91 82.05 75.67

New Hampshire 205.97 204.56 193.76 66.36 69.16 68.26

New Jersey 275.68 276.57 257.25 71.05 72.68 69.75

New Mexico 218.23 209.86 194.28 76.56 76.97 73.66

New York 319.00 317.80 296.41 78.25 83.07 81.07

North Carolina 203.11 184.29 174.15 69.82 67.36 66.63

North Dakota 185.66 182.03 176.26 72.25 71.97 72.07

Ohio 198.89 198.10 189.35 70.63 73.97 73.59

Oklahoma 231.69 239.22 226.32 70.84 76.06 75.43

Oregon 198.75 176.89 163.55 84.84 79.20 77.07

Pennsylvania 257.83 256.34 238.14 75.87 79.00 76.46

Rhode Island 323.66 321.42 304.76 75.49 79.30 78.81

South Carolina 217.52 206.72 189.98 78.04 78.70 76.29

South Dakota 158.16 156.52 148.46 72.80 74.91 73.11

Tennessee 228.05 220.94 196.19 71.91 71.96 65.76

Texas n/a n/a n/a 68.93 71.30 67.68

Utah 214.62 199.42 180.30 78.62 75.82 70.93

Vermont 200.74 194.21 199.87 64.26 64.94 69.65

Virginia 216.52 206.89 193.12 74.73 73.75 71.20

Washington 217.73 200.44 185.54 79.45 77.19 74.02

West Virginia 215.53 224.71 221.14 64.23 68.09 67.96

Wisconsin 171.65 164.38 163.46 72.93 73.32 75.94

Wyoming 198.06 196.50 205.33 69.95 71.00 76.84

Countrywide 271.99 261.05 240.40 74.33 75.39 72.74

CW w/o Texas 247.95 237.86 219.65 74.90 75.82 73.26

Table 29C

Collision 2014-2016


Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 5.89 5.85 5.84 4,386.80 4,246.39 3,934.64

Alaska 5.35 5.21 5.20 4,705.78 4,623.53 4,235.50

Arizona 5.65 5.39 5.23 4,143.09 4,081.96 3,737.12

Arkansas 5.50 5.59 5.62 4,679.98 4,591.68 4,160.13

California 7.38 7.10 6.61 3,891.73 3,762.22 3,517.56

Colorado 5.65 5.79 5.74 4,275.52 4,033.25 3,831.79

Connecticut 5.94 6.16 6.00 4,533.48 4,331.94 4,200.84

Delaware 6.33 6.38 6.30 3,879.90 3,826.29 3,540.90


Florida 6.00 5.85 5.48 4,175.72 4,086.49 3,885.96

Georgia 6.09 6.06 5.81 4,487.51 4,252.73 3,916.88

Hawaii 5.87 5.62 5.51 4,086.29 3,869.76 3,768.89

Idaho 4.45 4.26 4.30 3,931.01 3,783.91 3,528.13

Illinois 6.26 6.21 6.34 3,896.28 3,725.04 3,434.54

Indiana 5.22 5.13 5.21 3,880.52 3,854.07 3,551.49

Iowa 4.62 4.29 4.48 3,594.08 3,739.96 3,547.77

Kansas 4.94 4.61 4.84 4,081.12 4,295.15 3,846.54

Kentucky 4.77 5.17 5.63 4,479.35 3,996.83 3,414.98

Louisiana 7.77 7.51 7.21 4,681.99 4,566.41 4,305.83

Maine 4.97 5.30 5.34 3,587.22 3,355.75 3,236.12

Maryland 7.70 7.45 7.21 3,843.52 3,718.40 3,552.97

Massachusetts 7.50 7.82 7.15 3,271.08 3,131.67 3,141.55

Michigan 8.00 7.77 8.75 4,180.91 4,116.76 3,691.63

Minnesota 4.93 4.77 5.38 3,678.41 3,570.81 3,252.18

Mississippi 6.31 6.09 5.66 4,088.82 4,110.14 4,147.24

Missouri 5.63 5.43 5.35 4,066.82 4,059.05 3,797.59

Montana 4.15 4.29 4.60 4,458.20 4,374.34 3,970.77

Nebraska 4.70 4.44 4.49 3,968.92 4,054.02 3,825.10

Nevada 6.01 5.66 5.49 4,340.75 4,344.02 3,992.44

New Hampshire 5.85 6.11 6.05 3,518.54 3,349.04 3,200.39

New Jersey 7.22 6.38 6.27 3,819.24 4,332.77 4,103.68

New Mexico 5.37 5.13 5.17 4,065.79 4,093.99 3,760.13

New York 6.74 6.88 6.63 4,729.74 4,621.26 4,467.92

North Carolina 5.22 5.02 4.95 3,887.77 3,669.36 3,521.08

North Dakota 4.94 4.89 5.15 3,759.89 3,723.26 3,421.46

Ohio 5.37 5.50 5.55 3,704.08 3,598.65 3,411.19

Oklahoma 4.93 5.20 5.37 4,697.57 4,601.67 4,211.57

Oregon 5.16 4.79 4.89 3,854.50 3,694.54 3,343.14

Pennsylvania 6.68 6.77 6.64 3,861.95 3,784.71 3,585.86

Rhode Island 7.10 7.38 7.06 4,556.19 4,353.01 4,316.80

South Carolina 5.45 5.40 5.34 3,989.76 3,825.94 3,556.28

South Dakota 4.07 4.00 4.06 3,885.05 3,915.62 3,659.81

Tennessee 5.26 5.18 4.92 4,331.64 4,261.36 3,991.68


Utah 5.76 5.07 4.85 3,726.19 3,931.62 3,720.15

Vermont 4.91 5.24 5.42 4,086.61 3,709.44 3,687.80

Virginia 6.28 6.12 5.96 3,445.22 3,382.14 3,239.28

Washington 5.32 5.06 5.10 4,092.00 3,959.39 3,640.23

West Virginia 4.66 4.89 4.96 4,622.69 4,597.47 4,461.33

Wisconsin 4.85 4.68 4.95 3,538.79 3,508.82 3,301.76

Wyoming 4.54 4.59 5.05 4,361.62 4,284.25 4,062.05

Countrywide 6.16 6.04 5.94 4,414.29 4,319.28 4,044.80

CW w/o Texas 6.16 6.04 5.94 4,024.06 3,935.45 3,695.63

Table 29D

Collision 2014-2016

Frequency Severity

Total Business





Comprehensive





—

Comprehensive

Comprehensive coverage, also known as “other than collision” or OTC, insures against damages to a vehicle caused by non-collision events such as:

Contact with a bird or animal Theft, larceny, vandalism, malicious

mischief, riot, or civil commotion Windstorm, hail, water, or flood Breakage of glass (unless it occurs in a

collision) Fire, explosion, or earthquake Missiles or falling objects

Comprehensive insurance provides broad coverage that even pays a reasonable amount for substitute transportation, such as a rental car. Coverage may also be extended to damage or theft of rented cars. Some policies provide limited coverage for personal effects in the car when the loss is caused by fire or lightning. Comprehensive coverage is usually sold with a deductible of $50 to $1,000.

Physical damage coverages are not required by law; however, when a car is purchased with a loan, the lender will usually require that the borrower purchase collision and comprehensive coverages until the loan is repaid.

Comprehensive State-Specific Information and Technical Notes


Comprehensive Data Indivisible physical damage coverage (single premium and deductible for both collision and comprehensive coverages) data are included with collision1 data in the case that the data is reported to the statistical agent in this manner.

Comprehensive—Calculations Loss Experience Results Texas—Earned exposure and incurred claims data are not available, as indicated by “n/a.” Because the results for pure premium, frequency and severity are calculated using earned exposures and incurred claims, there are no data in these columns for Texas.

Loss Development Comprehensive incurred losses are not developed.

Except: California—Incurred losses are developed to 27 months.

1 See Collision, Page 167.




STATE 2016 2015 2014 2016 2015 2014

Alabama 380,711,785 359,827,915 342,765,265 2,626,990 2,572,880 2,519,184

Alaska 47,608,511 47,169,027 46,349,407 371,424 362,078 351,403

Arizona 584,815,564 550,631,296 526,189,042 3,395,072 3,261,910 3,173,570

Arkansas 257,458,544 247,789,552 245,061,290 1,436,722 1,405,062 1,372,217

California 1,969,262,766 1,871,560,229 1,763,215,628 19,497,787 18,747,219 18,058,789

Colorado 527,601,034 468,019,852 432,852,336 3,037,433 2,943,149 2,877,065

Connecticut 251,001,621 250,636,391 244,824,760 2,049,567 2,012,518 1,981,000

Delaware 62,324,491 57,421,337 53,758,895 540,848 525,562 512,985


Florida 1,113,625,885 1,009,052,260 921,535,667 10,366,462 9,911,242 9,435,882

Georgia 761,363,317 718,514,110 672,220,804 5,212,250 5,073,296 4,894,158

Hawaii 65,162,668 61,294,644 58,114,663 672,637 652,405 627,593

Idaho 90,834,892 82,550,035 76,870,059 834,519 795,719 771,667

Illinois 664,987,196 642,631,753 613,523,244 6,000,077 5,909,787 5,852,192

Indiana 415,190,885 395,006,572 373,256,662 3,709,838 3,653,207 3,599,037

Iowa 341,388,357 322,277,488 305,633,760 1,881,583 1,857,679 1,828,643

Kansas 354,740,277 341,904,077 328,788,705 1,536,129 1,505,382 1,482,400

Kentucky 310,087,202 289,034,363 268,567,213 2,275,660 2,208,743 2,162,101

Louisiana 427,437,261 410,820,743 392,734,647 2,140,785 2,107,036 2,058,211

Maine 72,290,225 66,823,253 62,852,673 758,244 737,460 711,811

Maryland 488,210,265 467,908,536 452,883,406 3,453,063 3,391,992 3,340,111

Massachusetts 531,393,231 510,127,110 489,545,497 3,901,252 3,830,769 3,752,364

Michigan 715,323,474 673,557,516 635,699,320 4,936,890 4,789,167 4,667,064

Minnesota 579,146,331 554,434,741 531,954,414 3,277,303 3,203,957 3,162,563

Mississippi 271,761,247 256,191,766 240,437,147 1,345,794 1,326,147 1,305,020

Missouri 535,263,095 506,745,257 479,010,234 3,077,490 3,028,201 2,989,324

Montana 110,457,903 101,098,881 94,597,948 511,661 495,398 486,602

Nebraska 238,176,295 226,996,678 210,433,307 1,066,177 1,046,694 1,032,015

Nevada 132,910,668 130,455,862 124,566,055 1,388,652 1,335,849 1,289,105

New Hampshire 86,735,826 81,896,575 77,341,856 859,421 843,388 818,707

New Jersey 524,926,010 502,537,922 478,605,793 4,450,289 4,330,328 4,247,076

New Mexico 150,854,736 141,357,864 135,870,952 929,070 903,363 889,272

New York 1,280,366,357 1,206,983,219 1,138,437,621 7,744,385 7,598,881 7,440,388

North Carolina 580,386,975 547,649,220 522,892,035 5,158,756 5,089,106 4,960,283

North Dakota 90,835,348 91,080,481 88,459,695 405,753 399,929 388,567

Ohio 733,538,912 706,887,898 674,559,312 6,743,402 6,647,391 6,558,784

Oklahoma 390,258,847 375,404,758 348,997,462 1,794,282 1,768,746 1,750,970

Oregon 187,090,747 175,606,376 163,578,679 2,271,571 2,209,775 2,156,186

Pennsylvania 976,482,397 905,997,350 860,726,845 7,170,430 7,076,055 7,011,164

Rhode Island 61,961,873 58,493,664 54,566,323 507,361 494,782 481,775

South Carolina 494,090,767 463,679,430 430,387,654 2,836,378 2,750,747 2,643,344

South Dakota 123,155,634 113,637,687 102,597,553 460,752 452,737 441,715

Tennessee 467,635,002 440,860,637 414,229,137 3,484,092 3,368,309 3,273,890

Texas 2,743,818,710 2,568,886,962 2,407,859,236 n/a n/a n/a

Utah 141,722,620 134,395,723 128,757,552 1,463,395 1,404,484 1,357,197

Vermont 46,885,576 44,445,691 42,591,051 373,090 374,164 369,732

Virginia 645,836,997 622,832,987 600,267,201 5,008,536 4,957,761 4,878,434

Washington 367,511,648 345,573,326 326,654,332 3,812,671 3,663,189 3,561,753

West Virginia 187,039,010 182,864,686 176,875,113 968,525 960,286 947,033

Wisconsin 441,094,847 415,223,979 396,803,549 3,357,982 3,307,899 3,247,483

Wyoming 72,218,458 67,681,380 63,517,305 292,226 292,936 292,143

Countrywide 23,140,489,488 21,859,794,018 20,666,420,658 151,606,042 147,790,589 144,208,672

CW w/o Texas 20,396,670,778 19,290,907,056 18,258,561,422 151,606,042 147,790,589 144,208,672

Table 30A

Comprehensive 2014-2016


Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 254,047,268 240,288,705 245,120,701 239,371 235,506 232,028

Alaska 31,187,030 25,519,946 25,425,761 45,915 44,229 42,901

Arizona 447,591,129 409,601,465 345,132,040 788,204 745,283 621,476

Arkansas 276,656,197 202,778,971 160,161,624 143,558 134,283 121,892

California 1,111,713,962 1,014,007,461 945,112,861 696,268 635,935 623,301

Colorado 810,059,441 474,653,894 718,969,771 516,287 456,482 488,985

Connecticut 151,314,686 143,819,389 141,388,233 203,175 212,035 205,897

Delaware 47,741,766 41,522,092 60,372,359 64,920 60,746 62,205


Florida 841,698,068 689,148,131 616,774,834 1,289,108 1,147,326 1,013,592

Georgia 526,350,678 451,712,692 427,804,618 578,037 545,034 509,158

Hawaii 36,353,941 32,727,871 27,044,445 64,465 60,624 54,388

Idaho 67,999,908 61,387,078 54,943,545 110,595 100,994 93,974

Illinois 455,050,341 443,052,087 492,659,913 341,998 350,212 373,752

Indiana 276,299,020 261,685,284 274,342,972 208,283 204,938 210,440

Iowa 211,181,225 204,517,372 263,794,375 122,361 116,303 135,433

Kansas 272,035,374 205,969,581 207,709,623 144,518 120,041 126,739

Kentucky 238,280,900 228,599,829 191,350,712 186,339 190,043 183,888

Louisiana 900,142,514 241,077,822 216,673,083 291,533 237,849 219,216

Maine 46,721,809 56,126,923 45,420,547 52,193 56,456 54,844

Maryland 365,956,600 336,177,110 313,682,124 529,208 518,694 504,989

Massachusetts 283,723,953 345,453,656 285,340,799 472,998 537,084 530,750

Michigan 477,846,657 452,763,692 577,005,711 484,126 483,824 546,752

Minnesota 384,779,851 379,196,267 318,690,511 345,377 338,177 340,109

Mississippi 173,490,376 153,797,905 167,594,795 127,962 123,762 125,895

Missouri 426,566,204 361,218,353 362,994,433 270,505 244,613 249,852

Montana 164,817,701 83,439,433 118,708,342 67,395 51,767 61,713

Nebraska 177,215,055 117,974,647 275,905,964 101,645 82,544 117,637

Nevada 95,392,724 84,583,803 74,230,482 139,959 129,012 111,547

New Hampshire 51,121,815 51,761,531 47,907,524 69,562 72,472 70,983

New Jersey 290,699,523 275,324,189 292,264,550 309,060 292,339 276,366

New Mexico 133,815,654 130,785,537 103,013,713 107,976 106,488 92,896

New York 802,345,202 798,330,598 870,956,564 917,971 982,191 977,457

North Carolina 479,016,287 355,645,382 349,860,769 294,151 274,649 280,454

North Dakota 88,019,731 52,946,502 47,801,522 41,995 33,522 32,365

Ohio 463,761,931 462,725,382 457,590,591 451,120 479,224 480,236

Oklahoma 233,204,906 277,468,853 171,658,168 116,348 131,082 103,623

Oregon 133,405,369 121,777,192 116,942,557 174,522 162,489 159,874

Pennsylvania 699,425,319 671,272,711 985,677,955 573,491 600,432 664,483

Rhode Island 39,721,513 43,437,550 35,722,468 38,991 42,765 39,455

South Carolina 407,475,085 376,346,403 398,994,460 488,765 447,461 458,190

South Dakota 81,725,085 117,959,435 181,122,958 45,393 51,436 70,019

Tennessee 273,369,178 235,601,830 232,358,880 245,741 227,389 208,762

Texas 3,182,161,564 1,787,595,882 1,422,165,290 n/a n/a n/a

Utah 117,623,046 93,640,726 87,175,984 174,750 152,125 148,203

Vermont 28,366,907 30,105,727 66,588,282 33,195 35,494 45,388

Virginia 557,006,338 392,735,238 411,455,678 697,418 668,385 663,890

Washington 244,761,337 225,850,159 207,272,554 359,985 342,028 330,242

West Virginia 160,202,474 123,757,979 112,910,973 88,831 87,609 86,390

Wisconsin 336,669,908 299,248,407 285,900,673 209,139 197,988 196,118

Wyoming 95,028,804 48,016,753 59,255,839 41,091 30,814 32,433

Countrywide 18,479,196,166 14,740,415,363 14,921,838,202 14,153,187 13,627,368 13,424,392

CW w/o Texas 15,297,034,602 12,952,819,481 13,499,672,912 14,153,187 13,627,368 13,424,392

Table 30B



Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 96.71 93.39 97.30 66.73 66.78 71.51

Alaska 83.97 70.48 72.35 65.51 54.10 54.86

Arizona 131.84 125.57 108.75 76.54 74.39 65.59

Arkansas 192.56 144.32 116.72 107.46 81.84 65.36

California 57.02 54.09 52.34 56.45 54.18 53.60

Colorado 266.69 161.27 249.90 153.54 101.42 166.10

Connecticut 73.83 71.46 71.37 60.28 57.38 57.75

Delaware 88.27 79.01 117.69 76.60 72.31 112.30


Florida 81.19 69.53 65.36 75.58 68.30 66.93

Georgia 100.98 89.04 87.41 69.13 62.87 63.64

Hawaii 54.05 50.16 43.09 55.79 53.39 46.54

Idaho 81.48 77.15 71.20 74.86 74.36 71.48

Illinois 75.84 74.97 84.18 68.43 68.94 80.30

Indiana 74.48 71.63 76.23 66.55 66.25 73.50

Iowa 112.24 110.09 144.26 61.86 63.46 86.31

Kansas 177.09 136.82 140.12 76.69 60.24 63.17

Kentucky 104.71 103.50 88.50 76.84 79.09 71.25

Louisiana 420.47 114.42 105.27 210.59 58.68 55.17

Maine 61.62 76.11 63.81 64.63 83.99 72.27

Maryland 105.98 99.11 93.91 74.96 71.85 69.26

Massachusetts 72.73 90.18 76.04 53.39 67.72 58.29

Michigan 96.79 94.54 123.63 66.80 67.22 90.77

Minnesota 117.41 118.35 100.77 66.44 68.39 59.91

Mississippi 128.91 115.97 128.42 63.84 60.03 69.70

Missouri 138.61 119.28 121.43 79.69 71.28 75.78

Montana 322.12 168.43 243.95 149.21 82.53 125.49

Nebraska 166.22 112.71 267.35 74.40 51.97 131.11

Nevada 68.69 63.32 57.58 71.77 64.84 59.59

New Hampshire 59.48 61.37 58.52 58.94 63.20 61.94

New Jersey 65.32 63.58 68.82 55.38 54.79 61.07

New Mexico 144.03 144.78 115.84 88.70 92.52 75.82

New York 103.60 105.06 117.06 62.67 66.14 76.50

North Carolina 92.85 69.88 70.53 82.53 64.94 66.91

North Dakota 216.93 132.39 123.02 96.90 58.13 54.04

Ohio 68.77 69.61 69.77 63.22 65.46 67.84

Oklahoma 129.97 156.87 98.04 59.76 73.91 49.19

Oregon 58.73 55.11 54.24 71.31 69.35 71.49

Pennsylvania 97.54 94.87 140.59 71.63 74.09 114.52

Rhode Island 78.29 87.79 74.15 64.11 74.26 65.47

South Carolina 143.66 136.82 150.94 82.47 81.17 92.71

South Dakota 177.37 260.55 410.04 66.36 103.80 176.54

Tennessee 78.46 69.95 70.97 58.46 53.44 56.09

Texas n/a n/a n/a 115.98 69.59 59.06

Utah 80.38 66.67 64.23 83.00 69.68 67.71

Vermont 76.03 80.46 180.10 60.50 67.74 156.34

Virginia 111.21 79.22 84.34 86.25 63.06 68.55

Washington 64.20 61.65 58.19 66.60 65.36 63.45

West Virginia 165.41 128.88 119.23 85.65 67.68 63.84

Wisconsin 100.26 90.46 88.04 76.33 72.07 72.05

Wyoming 325.19 163.92 202.83 131.59 70.95 93.29

Countrywide 121.89 99.74 103.47 79.86 67.43 72.20

CW w/o Texas 100.90 87.64 93.61 75.00 67.14 73.94

Table 30C



Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 9.11 9.15 9.21 1,061.31 1,020.31 1,056.43

Alaska 12.36 12.22 12.21 679.23 577.00 592.66

Arizona 23.22 22.85 19.58 567.86 549.59 555.34

Arkansas 9.99 9.56 8.88 1,927.14 1,510.09 1,313.96

California 3.57 3.39 3.45 1,596.68 1,594.51 1,516.30

Colorado 17.00 15.51 17.00 1,569.01 1,039.81 1,470.33

Connecticut 9.91 10.54 10.39 744.75 678.28 686.69

Delaware 12.00 11.56 12.13 735.39 683.54 970.54


Florida 12.44 11.58 10.74 652.93 600.66 608.50

Georgia 11.09 10.74 10.40 910.58 828.78 840.22

Hawaii 9.58 9.29 8.67 563.93 539.85 497.25

Idaho 13.25 12.69 12.18 614.86 607.83 584.67

Illinois 5.70 5.93 6.39 1,330.56 1,265.10 1,318.15

Indiana 5.61 5.61 5.85 1,326.56 1,276.90 1,303.66

Iowa 6.50 6.26 7.41 1,725.89 1,758.49 1,947.79

Kansas 9.41 7.97 8.55 1,882.36 1,715.83 1,638.88

Kentucky 8.19 8.60 8.51 1,278.75 1,202.88 1,040.58

Louisiana 13.62 11.29 10.65 3,087.62 1,013.58 988.40

Maine 6.88 7.66 7.70 895.17 994.17 828.18

Maryland 15.33 15.29 15.12 691.52 648.12 621.17

Massachusetts 12.12 14.02 14.14 599.84 643.20 537.62

Michigan 9.81 10.10 11.72 987.03 935.80 1,055.33

Minnesota 10.54 10.55 10.75 1,114.09 1,121.30 937.02

Mississippi 9.51 9.33 9.65 1,355.80 1,242.69 1,331.23

Missouri 8.79 8.08 8.36 1,576.93 1,476.69 1,452.84

Montana 13.17 10.45 12.68 2,445.55 1,611.83 1,923.55

Nebraska 9.53 7.89 11.40 1,743.47 1,429.23 2,345.40

Nevada 10.08 9.66 8.65 681.58 655.63 665.46

New Hampshire 8.09 8.59 8.67 734.91 714.23 674.92

New Jersey 6.94 6.75 6.51 940.59 941.80 1,057.53

New Mexico 11.62 11.79 10.45 1,239.31 1,228.17 1,108.91

New York 11.85 12.93 13.14 874.04 812.81 891.04

North Carolina 5.70 5.40 5.65 1,628.47 1,294.91 1,247.48

North Dakota 10.35 8.38 8.33 2,095.96 1,579.46 1,476.95

Ohio 6.69 7.21 7.32 1,028.02 965.57 952.85

Oklahoma 6.48 7.41 5.92 2,004.37 2,116.76 1,656.56

Oregon 7.68 7.35 7.41 764.40 749.45 731.47

Pennsylvania 8.00 8.49 9.48 1,219.59 1,117.98 1,483.38

Rhode Island 7.69 8.64 8.19 1,018.74 1,015.73 905.40

South Carolina 17.23 16.27 17.33 833.68 841.07 870.81

South Dakota 9.85 11.36 15.85 1,800.39 2,293.32 2,586.77

Tennessee 7.05 6.75 6.38 1,112.43 1,036.12 1,113.03


Utah 11.94 10.83 10.92 673.09 615.55 588.22

Vermont 8.90 9.49 12.28 854.55 848.19 1,467.09

Virginia 13.92 13.48 13.61 798.67 587.59 619.76

Washington 9.44 9.34 9.27 679.92 660.33 627.64

West Virginia 9.17 9.12 9.12 1,803.45 1,412.62 1,306.99

Wisconsin 6.23 5.99 6.04 1,609.79 1,511.45 1,457.80

Wyoming 14.06 10.52 11.10 2,312.64 1,558.28 1,827.02

Countrywide 9.34 9.22 9.31 1,305.66 1,081.68 1,111.55

CW w/o Texas 9.34 9.22 9.31 1,080.82 950.50 1,005.61

Table 30D


Frequency Severity

Voluntary Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0 0 0 0 0 0

Alaska 243 502 165 2 5 1

Arizona 0 0 0 0 0 0




Connecticut 5,363 2,759 5,041 20 12 17

Delaware 221 143 78 0 0 0


Florida 14,833 14,669 38,831 8 18 143

Georgia 0 0 0 0 0 0

Hawaii 14,240 14,192 11,424 27 32 32

Idaho 0 195 31 0 0 0

Illinois 19,028 20,568 20,895 46 61 68

Indiana 0 -15 226 0 0 1

Iowa 1,375 655 -121 1 1 0

Kansas 128,384 142,332 126,538 259 299 286


Louisiana 21,698 6,425 0 1 1 0

Maine 529 518 1,091 1 1 3

Maryland 3,198,365 3,374,561 3,080,719 10,508 11,628 11,729

Massachusetts 7,425,053 7,193,620 8,790,846 31,787 32,662 40,593

Michigan 327,177 376,137 445,654 1,370 1,257 1,542

Minnesota 779 0 -8 0 0 0

Mississippi 736 1,063 402 1 2 2

Missouri 717 404 857 2 0 2

Montana 0 0 2 0 0 0


Nevada 1,836 249 0 2 0 0

New Hampshire 12,630 14,032 15,754 42 57 78

New Jersey 546,040 573,880 821,369 1,880 2,231 3,383

New Mexico 1,665 475 778 1 1 1

New York 1,011,820 1,076,144 1,175,830 2,280 2,477 2,838



Ohio 0 0 0 0 0 0

Oklahoma 1,523 1,128 84 1 1 0

Oregon 106 180 0 0 1 0

Pennsylvania 19,684 17,937 28,249 29 37 48

Rhode Island 49,817 37,367 28,665 46 40 34



Tennessee 72 55 1,325 0 0 1


Utah -25 473 651 0 0 2

Vermont 692 1,904 3,223 3 6 9

Virginia 26,833 32,745 36,946 82 102 121


West Virginia 907 954 1,661 2 1 1


Wyoming 0 0 0 0 0 0

Countrywide 12,847,698 12,914,762 14,653,856 48,426 50,946 60,956

CW w/o Texas 12,847,698 12,914,762 14,653,856 48,426 50,946 60,956

Table 31A



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 0 0 0 0 0 0

Alaska 0 0 52 0 0 0

Arizona 0 0 0 0 0 0




Connecticut 16,928 740 5,471 1 1 2


District of Columbia 0 54 28,659 0 1 6

Florida 3,309 2,821 36,313 5 1 6

Georgia 0 0 0 0 0 0

Hawaii 0 0 1,451 0 0 1

Idaho 0 0 0 0 0 0

Illinois 2,508 5,303 9,349 3 1 4

Indiana 0 0 0 0 0 0

Iowa 0 0 0 0 0 0

Kansas 64,278 71,075 71,279 19 20 21


Louisiana 3,969 0 0 1 0 0

Maine 0 0 0 0 0 0

Maryland 2,169,946 2,359,779 1,989,813 565 645 592

Massachusetts 5,316,810 6,272,477 6,928,199 6,773 7,659 8,933

Michigan 660,015 446,100 778,110 91 80 111




Montana 0 0 0 0 0 0


Nevada 0 0 0 0 0 0

New Hampshire 405 3,318 7,604 2 3 3

New Jersey 271,761 421,929 553,568 62 71 105


New York 557,281 514,501 700,562 161 196 224



Ohio 0 0 0 0 0 0


Oregon 0 0 0 0 0 0

Pennsylvania -344 -638 5,724 0 -1 3

Rhode Island 14,612 8,531 7,057 4 4 1





Utah 0 0 0 0 0 0

Vermont 0 0 0 0 0 0

Virginia 12,178 16,555 491 6 11 4




Wyoming 0 0 0 0 0 0

Countrywide 9,093,656 10,122,545 11,123,702 7,693 8,692 10,016

CW w/o Texas 9,093,656 10,122,545 11,123,702 7,693 8,692 10,016

Table 31B



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama - - - - - -

Alaska 0.00 0.00 52.00 0.00 0.00 31.52

Arizona - - - - - -




Connecticut 846.40 61.67 321.82 315.64 26.82 108.53

Delaware - - - 0.00 0.00 0.00

District of Columbia 0.00 4.15 1,364.71 0.00 0.64 172.13

Florida 413.63 156.72 253.94 22.31 19.23 93.52

Georgia - - - - - -

Hawaii 0.00 0.00 45.34 0.00 0.00 12.70

Idaho - - - - 0.00 0.00

Illinois 54.52 86.93 137.49 13.18 25.78 44.74

Indiana - - 0.00 - 0.00 0.00

Iowa 0.00 0.00 - 0.00 0.00 0.00

Kansas 248.18 237.71 249.23 50.07 49.94 56.33


Louisiana 3,969.00 0.00 - 18.29 0.00 -

Maine 0.00 0.00 0.00 0.00 0.00 0.00

Maryland 206.50 202.94 169.65 67.85 69.93 64.59

Massachusetts 167.26 192.04 170.67 71.61 87.20 78.81

Michigan 481.76 354.89 504.61 201.73 118.60 174.60

Minnesota - - - 0.00 - 0.00

Mississippi 0.00 0.00 0.00 0.00 0.00 0.00

Missouri 0.00 - 0.00 0.00 0.00 0.00

Montana - - - - - 0.00


Nevada 0.00 - - 0.00 0.00 -

New Hampshire 9.64 58.21 97.49 3.21 23.65 48.27

New Jersey 144.55 189.12 163.63 49.77 73.52 67.40

New Mexico 0.00 0.00 0.00 0.00 0.00 0.00

New York 244.42 207.71 246.85 55.08 47.81 59.58



Ohio - - - - - -

Oklahoma 0.00 0.00 - 0.00 0.00 0.00

Oregon - 0.00 - 0.00 0.00 -

Pennsylvania -11.86 -17.24 119.25 -1.75 -3.56 20.26

Rhode Island 317.65 213.28 207.56 29.33 22.83 24.62

South Carolina 0.00 - - 0.00 - -


Tennessee - - 0.00 0.00 0.00 0.00


Utah - - 0.00 0.00 0.00 0.00

Vermont 0.00 0.00 0.00 0.00 0.00 0.00

Virginia 148.51 162.30 4.06 45.38 50.56 1.33


West Virginia 0.00 0.00 0.00 0.00 0.00 0.00

Wisconsin - - - - 0.00 -

Wyoming - - - - - -

Countrywide 187.78 198.69 182.49 70.78 78.38 75.91

CW w/o Texas 187.78 198.69 182.49 70.78 78.38 75.91

Table 31C



Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama - - - - - -

Alaska 0.00 0.00 0.00 - - -

Arizona - - - - - -




Connecticut 5.00 8.33 11.76 16,928.00 740.00 2,735.50


District of Columbia 0.00 7.69 28.57 - 54.00 4,776.50

Florida 62.50 5.56 4.20 661.80 2,821.00 6,052.17

Georgia - - - - - -

Hawaii 0.00 0.00 3.13 - - 1,451.00

Idaho - - - - - -

Illinois 6.52 1.64 5.88 836.00 5,303.00 2,337.25

Indiana - - 0.00 - - -

Iowa 0.00 0.00 - - - -

Kansas 7.34 6.69 7.34 3,383.05 3,553.75 3,394.24


Louisiana 100.00 0.00 - 3,969.00 - -

Maine 0.00 0.00 0.00 - - -

Maryland 5.38 5.55 5.05 3,840.61 3,658.57 3,361.17

Massachusetts 21.31 23.45 22.01 785.00 818.97 775.57

Michigan 6.64 6.36 7.20 7,252.91 5,576.25 7,010.00


Mississippi 0.00 0.00 0.00 - - -

Missouri 0.00 - 0.00 - - -

Montana - - - - - -


Nevada 0.00 - - - - -

New Hampshire 4.76 5.26 3.85 202.50 1,106.00 2,534.67

New Jersey 3.30 3.18 3.10 4,383.24 5,942.66 5,272.08

New Mexico 0.00 0.00 0.00 - - -

New York 7.06 7.91 7.89 3,461.37 2,625.01 3,127.51



Ohio - - - - - -

Oklahoma 0.00 0.00 - - - -

Oregon - 0.00 - - - -

Pennsylvania 0.00 -2.70 6.25 - 638.00 1,908.00

Rhode Island 8.70 10.00 2.94 3,653.00 2,132.75 7,057.00

South Carolina 0.00 - - - - -


Tennessee - - 0.00 - - -


Utah - - 0.00 - - -

Vermont 0.00 0.00 0.00 - - -

Virginia 7.32 10.78 3.31 2,029.67 1,505.00 122.75


West Virginia 0.00 0.00 0.00 - - -


Wyoming - - - - - -

Countrywide 15.89 17.06 16.43 1,182.07 1,164.58 1,110.59

CW w/o Texas 15.89 17.06 16.43 1,182.07 1,164.58 1,110.59

Table 31D


Frequency Severity

Residual Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 380,711,785 359,827,915 342,765,265 2,626,990 2,572,880 2,519,184

Alaska 47,608,754 47,169,529 46,349,572 371,426 362,083 351,404

Arizona 584,815,564 550,631,296 526,189,042 3,395,072 3,261,910 3,173,570

Arkansas 257,458,544 247,789,552 245,061,290 1,436,722 1,405,062 1,372,217

California 1,969,262,766 1,871,560,229 1,763,215,628 19,497,787 18,747,219 18,058,789

Colorado 527,601,034 468,019,852 432,852,336 3,037,433 2,943,149 2,877,065

Connecticut 251,006,984 250,639,150 244,829,801 2,049,587 2,012,530 1,981,017

Delaware 62,324,712 57,421,480 53,758,973 540,848 525,562 512,985


Florida 1,113,640,718 1,009,066,929 921,574,498 10,366,470 9,911,260 9,436,025

Georgia 761,363,317 718,514,110 672,220,804 5,212,250 5,073,296 4,894,158

Hawaii 65,176,908 61,308,836 58,126,087 672,664 652,437 627,625

Idaho 90,834,892 82,550,230 76,870,090 834,519 795,719 771,667

Illinois 665,006,224 642,652,321 613,544,139 6,000,123 5,909,848 5,852,260

Indiana 415,190,885 395,006,557 373,256,888 3,709,838 3,653,207 3,599,038

Iowa 341,389,732 322,278,143 305,633,639 1,881,584 1,857,680 1,828,643

Kansas 354,868,661 342,046,409 328,915,243 1,536,388 1,505,681 1,482,686

Kentucky 310,087,202 289,034,363 268,567,213 2,275,660 2,208,743 2,162,101

Louisiana 427,458,959 410,827,168 392,734,647 2,140,786 2,107,037 2,058,211

Maine 72,290,754 66,823,771 62,853,764 758,245 737,461 711,814

Maryland 491,408,630 471,283,097 455,964,125 3,463,571 3,403,620 3,351,840

Massachusetts 538,818,284 517,320,730 498,336,343 3,933,039 3,863,431 3,792,957

Michigan 715,650,651 673,933,653 636,144,974 4,938,260 4,790,424 4,668,606

Minnesota 579,147,110 554,434,741 531,954,406 3,277,303 3,203,957 3,162,563

Mississippi 271,761,983 256,192,829 240,437,549 1,345,795 1,326,149 1,305,022

Missouri 535,263,812 506,745,661 479,011,091 3,077,492 3,028,201 2,989,326

Montana 110,457,903 101,098,881 94,597,950 511,661 495,398 486,602

Nebraska 238,176,295 226,996,678 210,433,307 1,066,177 1,046,694 1,032,015

Nevada 132,912,504 130,456,111 124,566,055 1,388,654 1,335,849 1,289,105

New Hampshire 86,748,456 81,910,607 77,357,610 859,463 843,445 818,785

New Jersey 525,472,050 503,111,802 479,427,162 4,452,169 4,332,559 4,250,459

New Mexico 150,856,401 141,358,339 135,871,730 929,071 903,364 889,273

New York 1,281,378,177 1,208,059,363 1,139,613,451 7,746,665 7,601,358 7,443,226

North Carolina 580,386,975 547,649,220 522,892,035 5,158,756 5,089,106 4,960,283

North Dakota 90,835,348 91,080,481 88,459,695 405,753 399,929 388,567

Ohio 733,538,912 706,887,898 674,559,312 6,743,402 6,647,391 6,558,784

Oklahoma 390,260,370 375,405,886 348,997,546 1,794,283 1,768,747 1,750,970

Oregon 187,090,853 175,606,556 163,578,679 2,271,571 2,209,776 2,156,186

Pennsylvania 976,502,081 906,015,287 860,755,094 7,170,459 7,076,092 7,011,212

Rhode Island 62,011,690 58,531,031 54,594,988 507,407 494,822 481,809

South Carolina 494,091,175 463,679,430 430,387,654 2,836,380 2,750,747 2,643,344

South Dakota 123,155,634 113,637,687 102,597,553 460,752 452,737 441,715

Tennessee 467,635,074 440,860,692 414,230,462 3,484,092 3,368,309 3,273,891

Texas 2,743,818,710 2,568,886,962 2,407,859,236 n/a n/a n/a

Utah 141,722,595 134,396,196 128,758,203 1,463,395 1,404,484 1,357,199

Vermont 46,886,268 44,447,595 42,594,274 373,093 374,170 369,741

Virginia 645,863,830 622,865,732 600,304,147 5,008,618 4,957,863 4,878,555

Washington 367,511,648 345,573,326 326,654,332 3,812,671 3,663,189 3,561,753

West Virginia 187,039,917 182,865,640 176,876,774 968,527 960,287 947,034

Wisconsin 441,094,847 415,224,069 396,803,549 3,357,982 3,307,899 3,247,483

Wyoming 72,218,458 67,681,380 63,517,305 292,226 292,936 292,143

Countrywide 23,153,337,186 21,872,708,780 20,681,074,514 151,654,468 147,841,535 144,269,628

CW w/o Texas 20,409,518,476 19,303,821,818 18,273,215,278 151,654,468 147,841,535 144,269,628

Table 32A



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 254,047,268 240,288,705 245,120,701 239,371 235,506 232,028

Alaska 31,187,030 25,519,946 25,425,813 45,915 44,229 42,901

Arizona 447,591,129 409,601,465 345,132,040 788,204 745,283 621,476

Arkansas 276,656,197 202,778,971 160,161,624 143,558 134,283 121,892

California 1,111,713,962 1,014,007,461 945,112,861 696,268 635,935 623,301

Colorado 810,059,441 474,653,894 718,969,771 516,287 456,482 488,985

Connecticut 151,331,614 143,820,129 141,393,704 203,176 212,036 205,899

Delaware 47,741,766 41,522,092 60,372,359 64,920 60,746 62,205


Florida 841,701,377 689,150,952 616,811,147 1,289,113 1,147,327 1,013,598

Georgia 526,350,678 451,712,692 427,804,618 578,037 545,034 509,158

Hawaii 36,353,941 32,727,871 27,045,896 64,465 60,624 54,389

Idaho 67,999,908 61,387,078 54,943,545 110,595 100,994 93,974

Illinois 455,052,849 443,057,390 492,669,262 342,001 350,213 373,756

Indiana 276,299,020 261,685,284 274,342,972 208,283 204,938 210,440

Iowa 211,181,225 204,517,372 263,794,375 122,361 116,303 135,433

Kansas 272,099,652 206,040,656 207,780,902 144,537 120,061 126,760

Kentucky 238,280,900 228,599,829 191,350,712 186,339 190,043 183,888

Louisiana 900,146,483 241,077,822 216,673,083 291,534 237,849 219,216

Maine 46,721,809 56,126,923 45,420,547 52,193 56,456 54,844

Maryland 368,126,546 338,536,889 315,671,937 529,773 519,339 505,581

Massachusetts 289,040,763 351,726,133 292,268,998 479,771 544,743 539,683

Michigan 478,506,672 453,209,792 577,783,821 484,217 483,904 546,863

Minnesota 384,779,851 379,196,267 318,690,511 345,377 338,177 340,109

Mississippi 173,490,376 153,797,905 167,594,795 127,962 123,762 125,895

Missouri 426,566,204 361,218,353 362,994,433 270,505 244,613 249,852

Montana 164,817,701 83,439,433 118,708,342 67,395 51,767 61,713

Nebraska 177,215,055 117,974,647 275,905,964 101,645 82,544 117,637

Nevada 95,392,724 84,583,803 74,230,482 139,959 129,012 111,547

New Hampshire 51,122,220 51,764,849 47,915,128 69,564 72,475 70,986

New Jersey 290,971,284 275,746,118 292,818,118 309,122 292,410 276,471

New Mexico 133,815,654 130,785,537 103,013,713 107,976 106,488 92,896

New York 802,902,483 798,845,099 871,657,126 918,132 982,387 977,681

North Carolina 479,016,287 355,645,382 349,860,769 294,151 274,649 280,454

North Dakota 88,019,731 52,946,502 47,801,522 41,995 33,522 32,365

Ohio 463,761,931 462,725,382 457,590,591 451,120 479,224 480,236

Oklahoma 233,204,906 277,468,853 171,658,168 116,348 131,082 103,623

Oregon 133,405,369 121,777,192 116,942,557 174,522 162,489 159,874

Pennsylvania 699,424,975 671,272,073 985,683,679 573,491 600,431 664,486

Rhode Island 39,736,125 43,446,081 35,729,525 38,995 42,769 39,456

South Carolina 407,475,085 376,346,403 398,994,460 488,765 447,461 458,190

South Dakota 81,725,085 117,959,435 181,122,958 45,393 51,436 70,019

Tennessee 273,369,178 235,601,830 232,358,880 245,741 227,389 208,762

Texas 3,182,161,564 1,787,595,882 1,422,165,290 n/a n/a n/a

Utah 117,623,046 93,640,726 87,175,984 174,750 152,125 148,203

Vermont 28,366,907 30,105,727 66,588,282 33,195 35,494 45,388

Virginia 557,018,516 392,751,793 411,456,169 697,424 668,396 663,894

Washington 244,761,337 225,850,159 207,272,554 359,985 342,028 330,242

West Virginia 160,202,474 123,757,979 112,910,973 88,831 87,609 86,390

Wisconsin 336,669,908 299,248,407 285,900,673 209,139 197,988 196,118

Wyoming 95,028,804 48,016,753 59,255,839 41,091 30,814 32,433

Countrywide 18,488,289,822 14,750,537,908 14,932,961,904 14,160,880 13,636,060 13,434,408

CW w/o Texas 15,306,128,258 12,962,942,026 13,510,796,614 14,160,880 13,636,060 13,434,408

Table 32B



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 96.71 93.39 97.30 66.73 66.78 71.51

Alaska 83.97 70.48 72.35 65.51 54.10 54.86

Arizona 131.84 125.57 108.75 76.54 74.39 65.59

Arkansas 192.56 144.32 116.72 107.46 81.84 65.36

California 57.02 54.09 52.34 56.45 54.18 53.60

Colorado 266.69 161.27 249.90 153.54 101.42 166.10

Connecticut 73.84 71.46 71.37 60.29 57.38 57.75

Delaware 88.27 79.01 117.69 76.60 72.31 112.30


Florida 81.19 69.53 65.37 75.58 68.30 66.93

Georgia 100.98 89.04 87.41 69.13 62.87 63.64

Hawaii 54.04 50.16 43.09 55.78 53.38 46.53

Idaho 81.48 77.15 71.20 74.86 74.36 71.48

Illinois 75.84 74.97 84.18 68.43 68.94 80.30

Indiana 74.48 71.63 76.23 66.55 66.25 73.50

Iowa 112.24 110.09 144.26 61.86 63.46 86.31

Kansas 177.10 136.84 140.14 76.68 60.24 63.17

Kentucky 104.71 103.50 88.50 76.84 79.09 71.25

Louisiana 420.47 114.42 105.27 210.58 58.68 55.17

Maine 61.62 76.11 63.81 64.63 83.99 72.26

Maryland 106.29 99.46 94.18 74.91 71.83 69.23

Massachusetts 73.49 91.04 77.06 53.64 67.99 58.65

Michigan 96.90 94.61 123.76 66.86 67.25 90.83

Minnesota 117.41 118.35 100.77 66.44 68.39 59.91

Mississippi 128.91 115.97 128.42 63.84 60.03 69.70

Missouri 138.61 119.28 121.43 79.69 71.28 75.78

Montana 322.12 168.43 243.95 149.21 82.53 125.49

Nebraska 166.22 112.71 267.35 74.40 51.97 131.11

Nevada 68.69 63.32 57.58 71.77 64.84 59.59

New Hampshire 59.48 61.37 58.52 58.93 63.20 61.94

New Jersey 65.35 63.65 68.89 55.37 54.81 61.08

New Mexico 144.03 144.78 115.84 88.70 92.52 75.82

New York 103.64 105.09 117.11 62.66 66.13 76.49

North Carolina 92.85 69.88 70.53 82.53 64.94 66.91

North Dakota 216.93 132.39 123.02 96.90 58.13 54.04

Ohio 68.77 69.61 69.77 63.22 65.46 67.84

Oklahoma 129.97 156.87 98.04 59.76 73.91 49.19

Oregon 58.73 55.11 54.24 71.31 69.35 71.49

Pennsylvania 97.54 94.86 140.59 71.63 74.09 114.51

Rhode Island 78.31 87.80 74.16 64.08 74.23 65.44

South Carolina 143.66 136.82 150.94 82.47 81.17 92.71

South Dakota 177.37 260.55 410.04 66.36 103.80 176.54

Tennessee 78.46 69.95 70.97 58.46 53.44 56.09

Texas n/a n/a n/a 115.98 69.59 59.06

Utah 80.38 66.67 64.23 83.00 69.68 67.71

Vermont 76.03 80.46 180.09 60.50 67.73 156.33

Virginia 111.21 79.22 84.34 86.24 63.06 68.54

Washington 64.20 61.65 58.19 66.60 65.36 63.45

West Virginia 165.41 128.88 119.23 85.65 67.68 63.84

Wisconsin 100.26 90.46 88.04 76.33 72.07 72.05

Wyoming 325.19 163.92 202.83 131.59 70.95 93.29

Countrywide 121.91 99.77 103.51 79.85 67.44 72.21

CW w/o Texas 100.93 87.68 93.65 75.00 67.15 73.94

Table 32C



Total Business




STATE 2016 2015 2014 2016 2015 2014

Alabama 9.11 9.15 9.21 1,061.31 1,020.31 1,056.43

Alaska 12.36 12.22 12.21 679.23 577.00 592.66

Arizona 23.22 22.85 19.58 567.86 549.59 555.34

Arkansas 9.99 9.56 8.88 1,927.14 1,510.09 1,313.96

California 3.57 3.39 3.45 1,596.68 1,594.51 1,516.30

Colorado 17.00 15.51 17.00 1,569.01 1,039.81 1,470.33

Connecticut 9.91 10.54 10.39 744.83 678.28 686.71

Delaware 12.00 11.56 12.13 735.39 683.54 970.54


Florida 12.44 11.58 10.74 652.93 600.66 608.54

Georgia 11.09 10.74 10.40 910.58 828.78 840.22

Hawaii 9.58 9.29 8.67 563.93 539.85 497.27

Idaho 13.25 12.69 12.18 614.86 607.83 584.67

Illinois 5.70 5.93 6.39 1,330.56 1,265.11 1,318.16

Indiana 5.61 5.61 5.85 1,326.56 1,276.90 1,303.66

Iowa 6.50 6.26 7.41 1,725.89 1,758.49 1,947.79

Kansas 9.41 7.97 8.55 1,882.56 1,716.13 1,639.17

Kentucky 8.19 8.60 8.51 1,278.75 1,202.88 1,040.58

Louisiana 13.62 11.29 10.65 3,087.62 1,013.58 988.40

Maine 6.88 7.66 7.70 895.17 994.17 828.18

Maryland 15.30 15.26 15.08 694.88 651.86 624.37

Massachusetts 12.20 14.10 14.23 602.46 645.67 541.56

Michigan 9.81 10.10 11.71 988.21 936.57 1,056.54

Minnesota 10.54 10.55 10.75 1,114.09 1,121.30 937.02

Mississippi 9.51 9.33 9.65 1,355.80 1,242.69 1,331.23

Missouri 8.79 8.08 8.36 1,576.93 1,476.69 1,452.84

Montana 13.17 10.45 12.68 2,445.55 1,611.83 1,923.55

Nebraska 9.53 7.89 11.40 1,743.47 1,429.23 2,345.40

Nevada 10.08 9.66 8.65 681.58 655.63 665.46

New Hampshire 8.09 8.59 8.67 734.89 714.24 674.99

New Jersey 6.94 6.75 6.50 941.28 943.01 1,059.13

New Mexico 11.62 11.79 10.45 1,239.31 1,228.17 1,108.91

New York 11.85 12.92 13.14 874.50 813.17 891.56

North Carolina 5.70 5.40 5.65 1,628.47 1,294.91 1,247.48

North Dakota 10.35 8.38 8.33 2,095.96 1,579.46 1,476.95

Ohio 6.69 7.21 7.32 1,028.02 965.57 952.85

Oklahoma 6.48 7.41 5.92 2,004.37 2,116.76 1,656.56

Oregon 7.68 7.35 7.41 764.40 749.45 731.47

Pennsylvania 8.00 8.49 9.48 1,219.59 1,117.98 1,483.38

Rhode Island 7.69 8.64 8.19 1,019.01 1,015.83 905.55

South Carolina 17.23 16.27 17.33 833.68 841.07 870.81

South Dakota 9.85 11.36 15.85 1,800.39 2,293.32 2,586.77

Tennessee 7.05 6.75 6.38 1,112.43 1,036.12 1,113.03


Utah 11.94 10.83 10.92 673.09 615.55 588.22

Vermont 8.90 9.49 12.28 854.55 848.19 1,467.09

Virginia 13.92 13.48 13.61 798.68 587.60 619.76

Washington 9.44 9.34 9.27 679.92 660.33 627.64

West Virginia 9.17 9.12 9.12 1,803.45 1,412.62 1,306.99

Wisconsin 6.23 5.99 6.04 1,609.79 1,511.45 1,457.80

Wyoming 14.06 10.52 11.10 2,312.64 1,558.28 1,827.02

Countrywide 9.34 9.22 9.31 1,305.59 1,081.73 1,111.55

CW w/o Texas 9.34 9.22 9.31 1,080.87 950.64 1,005.69

Table 32D


Frequency Severity

Total Business





Traffic Conditions





Traffic Conditions Traffic conditions, such as accident rates and traffic density, are of interest to insurers and persons studying auto insurance. Fatal accident rates are calculated per 100 million vehicle miles traveled and per 1,000 vehicles registered. Traffic density is calculated as the number of vehicle miles traveled per mile of roadway, and as the number of vehicle miles traveled per registered vehicle.

Fatal injury accident data, vehicle miles, roadway miles and registered vehicle miles were obtained from the Federal Highway Administration, Highway Statistics (2014–2016). Fatal injury accident data are for motor vehicle accidents only.




STATE 2016 2015 2014 2016 2015 2014

Alabama 1.50 1.26 1.25 0.19 0.16 0.16

Alaska 1.60 1.29 1.50 0.11 0.08 0.10

Arizona 1.46 1.37 1.23 0.17 0.16 0.14

Arkansas 1.52 1.52 1.37 0.20 0.20 0.17

California 1.07 0.95 0.92 0.12 0.11 0.11

Colorado 1.17 1.08 1.00 0.12 0.11 0.11

Connecticut 0.93 0.84 0.80 0.11 0.10 0.09

Delaware 1.17 1.27 1.26 0.12 0.13 0.13


Florida 1.47 1.42 1.24 0.20 0.19 0.17

Georgia 1.27 1.21 1.04 0.19 0.18 0.15

Hawaii 1.13 0.91 0.93 0.10 0.08 0.07

Idaho 1.47 1.30 1.15 0.14 0.12 0.11

Illinois 1.01 0.95 0.88 0.11 0.10 0.09

Indiana 0.99 1.04 0.94 0.14 0.14 0.13

Iowa 1.21 0.96 1.02 0.12 0.09 0.09

Kansas 1.34 1.13 1.25 0.17 0.14 0.16

Kentucky 1.69 1.56 1.40 0.20 0.19 0.17

Louisiana 1.54 1.51 1.53 0.20 0.19 0.20

Maine 1.09 1.07 0.92 0.15 0.15 0.11

Maryland 0.85 0.89 0.78 0.12 0.13 0.11

Massachusetts 0.63 0.52 0.57 0.08 0.06 0.07

Michigan 1.07 0.98 0.93 0.13 0.12 0.11

Minnesota 0.66 0.72 0.63 0.08 0.08 0.07

Mississippi 1.69 1.70 1.54 0.34 0.33 0.30

Missouri 1.28 1.21 1.08 0.17 0.16 0.15

Montana 1.51 1.81 1.58 0.13 0.15 0.14

Nebraska 1.05 1.22 1.15 0.11 0.13 0.12

Nevada 1.22 1.25 1.15 0.14 0.14 0.13

New Hampshire 1.01 0.87 0.73 0.11 0.09 0.08

New Jersey 0.78 0.75 0.74 0.10 0.10 0.08

New Mexico 1.44 1.09 1.51 0.23 0.17 0.21

New York 0.83 0.88 0.80 0.10 0.11 0.10

North Carolina 1.24 1.23 1.19 0.18 0.18 0.17

North Dakota 1.16 1.31 1.28 0.13 0.15 0.16

Ohio 0.95 0.98 0.89 0.11 0.11 0.10

Oklahoma 1.39 1.35 1.40 0.19 0.22 0.20

Oregon 1.35 1.24 1.03 0.13 0.13 0.11

Pennsylvania 1.17 1.19 1.20 0.11 0.12 0.12

Rhode Island 0.64 0.57 0.68 0.06 0.05 0.06

South Carolina 1.86 1.89 1.65 0.24 0.24 0.21

South Dakota 1.22 1.43 1.47 0.10 0.13 0.14

Tennessee 1.35 1.25 1.33 0.19 0.18 0.18

Texas 1.39 1.36 1.46 0.18 0.16 0.17

Utah 0.89 0.93 0.93 0.13 0.13 0.12

Vermont 0.84 0.78 0.62 0.11 0.09 0.08

Virginia 0.90 0.91 0.87 0.11 0.11 0.10

Washington 0.88 0.95 0.80 0.08 0.09 0.07

West Virginia 1.38 1.35 1.42 0.16 0.17 0.18

Wisconsin 0.95 0.91 0.84 0.12 0.11 0.10

Wyoming 1.20 1.51 1.59 0.14 0.18 0.19

Countrywide 1.18 1.13 1.08 0.14 0.14 0.13

Source: Federal Highway Administration

Table 33

Traffic Conditions 2014-2016

Per 100 Million Vehicle Miles Per 1,000 Registered Vehicles

Fatal Accident Rates




STATE 2016 2015 2014 2016 2015 2014

Alabama 678,860 659,259 643,677 12,919 12,725 12,505

Alaska 338,648 312,808 308,793 6,895 6,442 6,321

Arizona 996,224 983,711 954,839 11,705 11,892 11,583

Arkansas 348,433 340,100 331,634 13,158 13,019 12,668

California 1,881,167 1,713,383 1,475,882 11,577 11,734 11,942

Colorado 587,110 568,373 552,007 10,588 10,477 10,574

Connecticut 1,469,454 1,468,582 1,450,173 11,483 11,466 11,231

Delaware 1,583,523 1,547,902 1,497,800 10,431 10,608 10,349


Florida 1,756,218 1,687,458 1,642,608 13,457 13,326 13,450

Georgia 957,633 921,746 874,838 15,279 14,880 14,020

Hawaii 2,380,059 2,312,086 2,292,036 8,859 8,523 7,534

Idaho 334,985 325,666 330,335 9,682 9,317 9,522

Illinois 735,570 721,501 719,709 10,772 10,267 10,446

Indiana 860,963 816,176 819,082 14,058 13,539 13,680

Iowa 290,540 289,762 275,141 9,569 9,620 9,214

Kansas 226,000 223,094 218,612 12,572 12,361 12,556

Kentucky 616,859 609,519 601,310 11,975 12,045 11,873

Louisiana 800,434 784,456 785,616 12,965 12,721 12,790

Maine 648,005 638,527 624,083 14,061 13,942 12,512

Maryland 1,839,569 1,795,278 1,764,374 14,584 14,347 14,371

Massachusetts 1,687,707 1,626,927 1,581,804 12,613 12,089 11,820

Michigan 814,255 800,118 796,376 12,312 12,175 12,377

Minnesota 425,297 413,605 413,606 11,509 11,404 11,512

Mississippi 529,096 519,565 521,152 19,988 19,549 19,369

Missouri 561,566 546,699 538,970 13,383 13,303 13,691

Montana 171,155 164,585 162,132 8,374 8,527 8,672

Nebraska 217,920 212,751 208,938 10,915 10,440 10,349

Nevada 629,092 590,555 590,959 11,526 11,566 11,667

New Hampshire 836,335 811,343 804,017 10,858 10,714 10,510

New Jersey 1,973,148 1,929,970 1,917,379 13,315 13,030 11,132

New Mexico 403,486 397,219 370,292 15,825 15,587 13,583

New York 1,083,090 1,112,492 1,125,916 11,457 12,372 12,244

North Carolina 1,096,010 1,052,147 1,016,059 14,458 14,455 14,060

North Dakota 111,436 115,189 120,697 11,378 11,782 12,611

Ohio 964,495 924,726 917,657 11,540 11,197 11,222

Oklahoma 433,793 423,320 423,338 13,609 16,686 14,077

Oregon 499,384 489,484 471,020 9,990 10,347 10,394

Pennsylvania 841,563 840,574 832,076 9,788 9,891 9,881

Rhode Island 1,309,730 1,295,458 1,273,764 9,380 9,287 9,217

South Carolina 717,169 678,375 654,399 12,969 12,783 12,793

South Dakota 115,151 112,918 111,716 8,401 9,453 9,780

Tennessee 803,071 801,684 756,959 13,873 14,079 13,569

Texas 864,842 823,106 775,124 12,681 12,018 11,897

Utah 672,434 639,407 597,023 14,073 13,767 13,270

Vermont 517,911 513,165 495,800 12,619 11,715 12,122

Virginia 1,124,736 1,100,761 1,081,222 11,881 11,726 11,628

Washington 759,004 742,517 713,116 8,958 9,193 9,401

West Virginia 503,984 511,391 493,227 11,887 12,754 12,780

Wisconsin 554,718 538,029 521,242 12,248 12,073 11,871

Wyoming 329,113 331,599 326,428 11,297 12,241 11,985

Countrywide 766,745 745,024 724,348 12,204 12,138 12,010

Source: Federal Highway Administration

Table 34

Traffic Conditions 2014-2016

Vehicle Miles Per Highway Mile Vehicle Miles Per Registered Vehicle

Traffic Density





Crime





Crime

Vehicle theft rates play a role in determining the cost of comprehensive auto insurance coverage. Countrywide, the vehicle theft rate has slightly increased going from 2.77 thefts per 1,000 registered vehicles in 2015 to 2.97 thefts per 1,000 registered vehicles in 2016.

Theft data were obtained from the FBI, Uniform Crime Reports (2014–2016). Registered vehicle numbers were obtained from the Federal Highway Administration, Highway Statistics (2014–2016).




STATE 2016 2015 2014

Alabama 2.19 1.92 1.93

Alaska 4.01 2.61 2.26

Arizona 3.28 3.07 3.25

Arkansas 2.63 2.15 2.09

California 6.02 5.98 5.45

Colorado 3.98 3.32 2.71

Connecticut 2.58 2.30 2.20

Delaware 1.56 1.26 1.37

District of Columbia 8.94 10.25 11.47

Florida 2.69 2.62 2.85

Georgia 3.33 3.34 3.38

Hawaii 4.71 4.78 2.87

Idaho 1.17 1.05 0.98

Illinois 2.00 1.72 1.74

Indiana 2.49 2.32 2.39

Iowa 1.43 1.26 1.22

Kansas 2.72 2.74 2.82

Kentucky 2.40 1.93 1.56

Louisiana 2.73 2.57 2.62

Maine 0.73 0.78 0.70

Maryland 2.92 3.28 3.34

Massachusetts 1.64 1.65 1.70

Michigan 2.50 1.96 2.69

Minnesota 1.70 1.59 1.68

Mississippi 2.12 2.08 2.22

Missouri 3.31 3.14 3.16

Montana 1.82 1.67 1.46

Nebraska 2.49 2.08 2.35

Nevada 5.67 5.06 4.70

New Hampshire 0.70 0.73 0.69

New Jersey 1.96 2.04 1.74

New Mexico 6.66 4.84 3.37

New York 1.34 1.49 1.49

North Carolina 1.90 1.74 1.77

North Dakota 2.29 1.86 1.82

Ohio 1.91 1.70 1.79

Oklahoma 3.38 3.65 3.12

Oregon 3.59 3.03 2.87

Pennsylvania 1.26 1.19 1.29

Rhode Island 1.89 1.65 2.20

South Carolina 3.31 3.21 3.31

South Dakota 1.33 1.20 1.07

Tennessee 2.73 2.36 2.36

Texas 3.23 3.14 3.35

Utah 4.20 4.05 3.51

Vermont 0.48 0.29 0.42

Virginia 1.38 1.15 1.10

Washington 4.74 4.14 4.96

West Virginia 1.53 1.44 1.27

Wisconsin 1.90 2.14 1.96

Wyoming 0.97 0.76 0.76

Countrywide 2.94 2.77 2.74

Sources: Federal Bureau of Investigation and Federal Highway Administration

Number of Thefts per 1,000 Registered Vehicles

Table 35

Crime 2014-2016

Vehicle Thefts



Economic/Demographic Data





Economic/Demographic Data

Population densities and disposable income levels, while not factors directly influencing automobile insurance, are often of interest in studying this market. Higher population density means more people (and their vehicles) in a given space, thus increasing the possibility of accidents or theft. Higher disposable income brings not only the opportunity for newer and higher-priced vehicles, but also the economic need for coverage limits greater than state minimum requirements to protect policyholder assets. These situations will increase insurance costs.

Countrywide population per square mile remained at 91 persons per square mile from 2015 to 2016. Per capita disposable personal income increased from $42,398 in 2015 to $43,839 in 2016. It is important to remember that these are aggregate averages and are going to vary considerably depending on location.

Population and land area data were obtained from the U.S. Bureau of the Census. Personal income data were obtained from the U.S. Bureau of Economic Analysis.




% of Population in

STATE 2016 2015 2014 Metro Areas, 2010

Alabama 96 96 96 71.5%

Alaska 1 1 1 67.4%

Arizona 61 60 59 92.5%

Arkansas 57 57 57 60.3%

California 252 251 248 97.7%

Colorado 53 52 52 86.3%

Connecticut 739 742 742 91.4%

Delaware 487 484 480 78.0%

District of Columbia 11,255 11,028 10,803 100.0%

Florida 385 378 371 94.1%

Georgia 179 177 175 81.0%

Hawaii 222 222 221 70.1%

Idaho 20 20 20 65.6%

Illinois 231 232 232 87.0%

Indiana 185 185 184 78.3%

Iowa 56 56 56 56.5%

Kansas 36 36 35 68.3%

Kentucky 112 112 112 58.2%

Louisiana 108 108 108 74.6%

Maine 43 43 43 58.4%

Maryland 619 618 615 94.6%

Massachusetts 875 871 865 99.6%

Michigan 176 175 175 81.3%

Minnesota 69 69 68 74.9%

Mississippi 64 64 64 44.9%

Missouri 89 88 88 74.5%

Montana 7 7 7 35.2%

Nebraska 25 25 24 58.7%

Nevada 27 26 26 90.1%

New Hampshire 150 149 148 62.2%

New Jersey 1,207 1,218 1,214 100.0%

New Mexico 17 17 17 66.6%

New York 417 421 418 91.9%

North Carolina 209 207 204 70.3%

North Dakota 11 11 11 48.4%

Ohio 285 284 284 80.6%

Oklahoma 57 57 57 64.2%

Oregon 43 42 41 77.7%

Pennsylvania 286 286 286 84.1%

Rhode Island 1,022 1,021 1,020 100.0%

South Carolina 165 163 161 76.5%

South Dakota 11 11 11 45.3%

Tennessee 161 160 159 73.4%

Texas 107 105 103 87.8%

Utah 37 36 36 88.6%

Vermont 68 68 68 33.8%

Virginia 213 212 211 86.1%

Washington 110 108 106 87.7%

West Virginia 76 77 77 55.7%

Wisconsin 107 106 106 72.8%

Wyoming 6 6 6 29.7%

Countrywide 91 91 90 83.7%


Table 36

Economic / Demographic Data 2014-2016

Persons per Square Mile

Population Densities




STATE 2016 2015 2014

Alabama 35,425 34,538 33,535

Alaska 51,101 51,304 49,756

Arizona 36,284 35,631 34,321

Arkansas 35,757 35,222 33,929

California 49,498 46,720 43,978

Colorado 45,508 45,338 43,609

Connecticut 59,089 57,183 56,186

Delaware 42,817 41,602 40,256

District of Columbia 65,612 62,404 59,936

Florida 41,512 40,334 38,350

Georgia 37,926 36,341 34,558

Hawaii 45,343 43,503 41,801

Idaho 36,307 34,994 33,600

Illinois 45,961 44,032 42,256

Indiana 39,015 37,423 36,364

Iowa 41,388 40,875 39,820

Kansas 42,574 42,113 41,634

Kentucky 35,160 34,338 33,237

Louisiana 38,682 38,912 37,787

Maine 39,940 38,314 37,049

Maryland 51,011 48,452 46,875

Massachusetts 55,158 52,758 50,366

Michigan 39,455 38,125 36,419

Minnesota 45,439 43,906 42,516

Mississippi 32,778 31,857 31,365

Missouri 38,708 37,598 36,690

Montana 39,225 37,839 36,041

Nebraska 44,530 44,363 43,277

Nevada 39,788 38,622 36,477

New Hampshire 50,662 48,723 48,280

New Jersey 53,978 51,642 49,983

New Mexico 35,326 34,473 33,358

New York 51,645 48,356 47,446

North Carolina 37,796 36,595 35,099

North Dakota 47,512 49,812 51,311

Ohio 40,131 38,873 37,490

Oklahoma 38,073 39,740 40,879

Oregon 40,196 38,539 36,445

Pennsylvania 45,326 43,783 42,414

Rhode Island 44,940 44,009 42,585

South Carolina 36,148 34,836 33,295

South Dakota 44,028 43,470 41,825

Tennessee 40,092 38,488 36,909

Texas 41,758 42,019 41,090

Utah 37,396 35,251 33,566

Vermont 45,317 43,852 42,267

Virginia 46,494 45,446 43,904

Washington 49,202 47,278 45,143

West Virginia 33,422 32,946 32,277

Wisconsin 41,795 40,582 39,433

Wyoming 50,207 50,319 49,918

Countrywide 43,839 42,398 40,859

Source: Bureau of Economic Analysis

Per Capita Disposable Personal Income

Table 37

Economic / Demographic Data 2014-2016

Disposable Income





State Laws





State Laws

State laws have considerable influence on auto insurance. Each state determines the type of tort law and threshold (if any) that applies in the state, the type and amount of liability insurance required, and the system used for approval of insurer rates and forms. In addition, the states have enacted varying auto seat belt requirements, drunk driving laws, and maximum speed limits.

****** Rate and Form Filing – Tables 38 and 39

The states employ a variety of rate regulation mechanisms. Options include: 1) determined by Commissioner; 2) prior approval; 3) modified prior approval; 4) flex rating; 5) file and use; 6) use and file; and 7) no file.

Form filing laws govern the type of policy form regulation used by the state. Options include prior approval; file and use; use and file; and no file.

Determined by Commissioner: Rates areset by the state’s insurance commissioner.

Prior Approval: Rates/forms must be filedwith and approved by the state insurancedepartment before they can be used.Approval can be by means of a deemerprovision, which indicates approval ifrates/forms are not denied within a specifiednumber of days.

Modified Prior Approval: Rate revisionsinvolving change in expense ratio or raterelativity require prior approval. Raterevisions based on experience only aresubject to “file and use” laws.

Flex Rating: Prior approval of ratesrequired only if they exceed a certainpercentage above (and sometimes below)the previously filed rates.

File and Use: Rates/forms must be filedwith the state insurance department prior totheir use. Specific approval is not required.

Use and File: Rates/forms must be filedwith the state insurance department within aspecified period after they have been placedin use.

No File: Rates/forms are not required to befiled with or approved by the state insurancedepartment. However, the company mustmaintain records of experience and otherinformation used in developing therates/forms and make these available to thecommissioner upon request.

Alabama: Form filing made not less than 30 days in advance of such delivery. Commissioner may extend 30 days.

Alaska: Insurers may use either prior approval or file and use for form filings, but must specify the procedure that is being used. Director may exempt insurer from form filing requirements if deemed that requirements may not be practically applied or if not necessary for the protection of public.

Arizona: There is a 30-day waiting period for form filings. Director may exempt insurer from form filing requirements if deemed that requirements may not be practically applied or if not necessary for the protection of public. Prior reports indicated form filings were File and Use, they should have been prior approval. See ARS 20-398.

Arkansas: Regarding rate filings, file and use (20 days) competitive market; prior approval (60 day deemer) in non-competitive market.

California: Regarding form filings, prior approval; no form shall be issued or used prior to commissioner approval or until 30 days after filing was made. Forms with rating impact must be filed under the prior approval laws.

Colorado: Annual form certifications must be submitted by July 1 each year. New forms must be certified and filed at least thirty-one (31) days prior to their effective date. See Section 10-4-633, C.R.S. Rate filings are file and use, regulated by "open competition." Appropriate justification must be included in the rate filing.



Connecticut: Regarding rate filings, file and use in competitive market; file and use (30 day waiting period) in noncompetitive market Regarding rate filings, prior approval for bodily injury (BI) and uninsured motorist (UM). File and Use for property damage, comprehensive, and collision. Flex Rating +/- 6% and not more than a 15% increase in any individual territory; eff. July 1, 2006.

Delaware: Regarding form filings, commissioner may exempt insurer from filing requirements, if deemed that requirements may not be practically applied or if not necessary for protection of public.

District of Columbia: For rate filings, file and use – if, after a hearing, the commissioner determines that a rate is excessive or inadequate, he or she shall order an adjustment.

Florida: Regarding form filings, prior approval – filing 30 days in advance of use or delivery. Commissioner may extend 15 days with notice. Regarding rate filings, if use and file rate is found excessive, the insurer must return excess premium. If a rate change is inadequate, the office shall order that a new rate be filed.

Georgia: Regarding rate filings, prior approval for statutory coverages only; all other coverages will be file and use. Regarding form filings, prior approval – Directive 91-PC-23 is filing standard for loss cost.

Hawaii: Regarding rate filings, prior approval – 30-day waiting period – commissioner may require insurers to submit new filings for any type of coverage when the commissioner has actuarially sound information that the rates are excessive, inadequate or unfairly discriminatory.

Idaho: Regarding form filings, file and use – filing shall be submitted with certification that each policy complies with Idaho law (Section 41-1812). Regarding rate filings see Bulletin 91-1.

Illinois: Regarding rate filings, no filing needed for individual risks that cannot be rated in the normal course of business due to special or unusual characteristics. A company must maintain documentary information regarding rates.

Kansas: Regarding form filing, there is a 30 day waiting period before the form can be put into effect. Regarding rate filing is flex rating effective 7/1/2008; and File and Use Prior to 7/1/2008 (30 days).

Kentucky: Regarding rate filing, use and file unless the change is greater than +/- 25%, which triggers prior approval. Regarding form filing, prior approval – filing not less than 60 days in advance of delivery.Commissioner may extend 30 days with notice.Regarding form filing laws, refer to KRS 304.20-040.

Louisiana: Regarding rate filings, prior approval with a 45 day deemer. Regarding form filings, prior approval with a 45 day deemer.

Maine: Regarding rate filing, statute contains a deemer but does not specifically require prior approval. Regarding form filing, statute contains a deemer provision.

Massachusetts: Regarding rate filing, companies must adhere to the commissioner’s managed competition and transition rules; companies may file group marketing plan deviations. Regarding form filing, companies must adhere to the commissioner’s managed competition and transition rules. Generally, file and use.

Michigan: Regarding rate filings, group-rated programs are prior approval; Section 2129 exemption insurer rate filings are prior approval unless alternate file and use requested. Pursuant to Bulletin 2009-11, on and after July 1, 2009, all new and revised personal automobile forms must be filed for approval. Regarding form filings, all new and revised personal automobile forms must be filed for approval.

Minnesota: Regarding form filings, refer to Bulletin 2005-2 expedited review for auto filings. This bulletin gives companies the option of filing auto forms, rules and rates without review, provided a certification of compliance is completed. Regarding rate filings – effective upon filing. Optional expedited filing procedure includes a certification signed by an officer that the filing complies with all laws and regulations. Refer to Bulletin 2005-2.



Missouri: Regarding form filings, the department of insurance can disapprove forms within 60 days. Regarding rate filing, use and file (10 days).

Montana: Regarding rate filings, rates must be filed prior to use with supporting data. Regarding form filings, see MCA § 33-1-501.

Nebraska: For both rate and form filings, since 2006, file and use.

Nevada: Regarding rate filing, Bulletin 10-010 outlines filing procedure.

New Hampshire: Regarding rate filings, file and use (30 days) in a competitive market. Prior approval (30 day deemer can be extended 30 days) in a non-competitive market.

New Jersey: Regarding rate filing, prior approval – may file rate changes within range of 3% of prior rate and get approval decision within 30 days; within 7%, approval decision within 45 days.

New Mexico: Regarding rate filings, prior approval required in non-competitive, reverse competitive and residual markets. Must file at least 30 days before effective date (60 day deemer). File and use for personal lines. No file for commercial lines. Effective Oct. 1, 2007. Regarding form filings, prior approval filed 60 days prior to effective date.

New York: Regarding rate filings, prior approval unless filing is +/- 5%, at which point flex rating applies. Regarding form filings – prior approval filed 30 days prior to delivery.

North Carolina: Regarding form filings, prior approval – filed and approved by commissioner or 80 days passed after filing.

North Dakota: Regarding rate filing, a rate/rule filing of less than 5% for personal auto policy may be use-and-file once per calendar year per company. Otherwise, the filing must meet the prior approval standard; see N.D.C.C. § 26.1-25-04.

Ohio: Regarding form filing, file and use – insurer must file with superintendent.

Oklahoma: Regarding rate filings, from 2005 to present, this is under jurisdiction of the commissioner. Regarding form filings, they are under the jurisdiction of the commissioner; the file and use self-certification option is available and under the jurisdiction of the commissioner.

Rhode Island: Regarding rate filings, file and use (30 days waiting period which may be extended by the commissioner), flex rating is allowed for rate revisions within +/-5%. Regarding form filings, prior approval- filed with the commissioner and approved prior to being used.

South Carolina: Regarding rate filings, filings under 7% are file and use, over 7% are prior approval. Regarding form filings, prior approval (60 day deemer).

South Dakota: Regarding form filings, prior approval – filed not less than 30 days in advance of delivery. Commissioner may extend 30 days with notice.

Tennessee: Regarding rate filings, see TCA § 56-5-302. Regarding form filings, prior approval (30 daydeemer plus 30 day extension).

Texas: Regarding form filings, policy forms are regulated under Chapter 2301 (Art. 5.145 & Sect. 8, Art. 5.13-2, TX INS CODE). Insurers may file policy forms subject to prior approval.

Utah: Regarding rate filings, use and file (30 days) – commissioner may disapprove within 90 days after filing. May, by rule, specify rates be filed 30 days before becoming effective.

Vermont: Regarding rate filings, Vermont is an open competition state. Rates must be filed and can be disapproved for lack of supporting information. Regarding form filings, prior approval – filed at least 30 days prior to proposed effective date. Commissioner may extend 30 days with notice.

Virginia: Regarding form filings, the Bureau of Insurance is authorized to establish standard forms that insurers must use. Approval of coverage broadenings for individual insurers is also permitted.



Washington: Regarding form filings, prior approval – filed not less than 30 days in advance of issuanceof any policy. Commissioner may extend 15 dayswith notice. Regarding rate filings, prior approval(30 day deemer can be extended to 45 days).

West Virginia: Regarding form filings, filed no less than 60 days in advance of any delivery, unless time is extended by the commissioner. Regarding rate filings, prior approval (60 day deemer).

Wisconsin: Regarding form filings, prior approval – no form shall be issued or delivered prior to commissioner approval or until 30 days after filing was made. Commissioner may extend 30 days.

Wyoming: Regarding rate filings, rating laws are no file for competitive market and prior approval (30 day deemer) non-competitive market. Competitive market is assumed to exist unless designated as non-competitive or by finding of non-competitiveness. Regarding form filings – prior approval, filed not less than 45 days in advance of delivery. Commissioner may extend 45 days with notice.

****** Tort Laws – Table 40

Tort insurance laws determine how liability is assigned in an accident. Options include: 1) tort; 2) no-fault; and 3) add-on. Due to the uniqueness ofeach state’s laws, it cannot be assumed that twostates placed within the same general category havecomparable systems.

Tort: Third-party benefits with no tortlimitation.

No-fault: Compulsory first-party benefitswith general tort limitation. There areusually exceptions to tort limitations forcertain situations specifically delineated in aparticular state’s laws.

Add-on: First-party benefits, eithercompulsory or optional, with no tortlimitation in general. There may be sometort limitations for certain situationsspecifically delineated in a particular state’slaws.

Tort threshold types indicate the type of threshold that must be reached before a person may sue for damages resulting from an accident. Options include: 1) none; 2) dollar amount; 3) verbal; and 4) choice.

None: There is no limitation on the ability tosue.

Dollar Amount: Damages must exceed agiven dollar amount (listed in the table)before a person may sue for damages.

Verbal: Damages must exceed a statutorylevel of seriousness (e.g., broken bone)before a person may sue for damages.

Choice: Consumers may choose whether toaccept limits on their ability to sue.

Hawaii: Tort liability is not abolished in the event of death or serious bodily injury or disfigurement. As of 2012, tort threshold changed from $5,000 or verbal to $5,000.

Kentucky: The restrictions on one’s tort rights can be rejected in writing. The writing must be filed with the insurance department and is valid until revoked. [This provision has been in place since 1975.]

Pennsylvania: Persons who elect limited tort are precluded from recovering non-economic damages absent a "serious injury" as defined by statute. Tort effective 2015, was No-Fault prior to 2015.

New Jersey: The basic policy is verbal.

Virginia: In reports prior to the 2014/2015 edition, the state had “Add-On”. Note VA has never had any form of no-fault. It has always been “Tort”.

****** Financial Responsibility Laws – Table 41

All states require a demonstration of financial responsibility in order to operate a vehicle. Most of the states require this to be in the form of liability insurance purchased from an insurer. The required limits vary by state, and are represented in the form



##/##/##, where the first two numbers refer to bodily injury liability limits, and the third number refers to property damage liability limits. For example, 10/20/5 means coverage up to $20,000 for all persons injured in an accident, subject to a limit of $10,000 for any one individual; and $5,000 coverage for property damage.

Alabama: Beginning June 1, 2000, “No person shall operate, register or maintain registration of...a motor vehicle...unless the motor vehicle is covered by a liability insurance policy, ...bond, or deposit of cash.” Per Alabama’s Mandatory Liability Insurance (MLI) Act. (§32-7A-1 through §32-7A-26)

Alaska: The operator or owner of a motor vehicle subject to registration under AS 28.10.011 when driven on a highway, vehicular way or area, or on other public property in the state, shall be insured under a motor vehicle liability policy that complies with Chapter 28.22 or a certificate of self-insurance that complies with AS 28.20.400. Sec. 28.20.400. Self-insurer— (a) A person in whose name more than 25 vehicles are registered in this state may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the department.

Arizona: Proof of financial responsibility can be in the form of a certificate of insurance (Statutes 28-4077 or 28-4078), a bond, or certificate of deposit or cash in the amount of $40,000 (statute 28-4084). (ARS Title 28 – Chapter 9 of Arizona Statutes).

Arkansas: Title 27, Subtitle 2, Chapter 22, Subchapter 1 (§ 27-22-104)—Proof of insurance issued by an insurance company authorized to do business in the state or a certificate of self-insurance under § 27-19-107.

California: Financial responsibility law requires 15/30/5 limits; however, 10/20/3 is available for those eligible for the Low-Cost Automobile Insurance Program. Non-Insurance proof of financial responsibility may include a DMV-issued self-insurance certificate or a Surety bond for $35,000 from a company licensed to do business in California.

Colorado: C.R.S. 10-4-619 to 10-4-624, 42-7-101 to 42-7-510. Minimum liability insurance is required for bodily injury or death. Non-insurance proof of

financial responsibility is a bond has been duly executed or that deposit has been made of money; or Securities as provided in section 42-7-418; or for persons who are valid self-insurers as approved by the commissioner. Self-insurance is for owners of 25+ motor vehicles (Section 10-4-624).

Connecticut: Sec 14-112 Proof of financial responsibility may include a certificate of insurance, a bond, or collateral. Persons who have more than 25 motor vehicles registered may qualify as a self-insurer by obtaining a self-insurance certificate issued by the commissioner (Sec 14-129). Effective for policies issued on or after, or renewed on or after, 1 January 2018 the minimum financial responsibility limits increased from 20/40/10 to 25/50/25.

Delaware: Alternatives to insurance are approved by the Office of the Insurance Commissioner. Per Title 21 §2947—Proof of financial responsibility when required may be: (1) Certificate of insurance as provided in § 2948 or § 2949 of Title 21; or (2) Bond as provided in § 2950 of Title 21; or (3) Certificate of deposit of money or securities as provided in § 2951 Title 21; or (4) Statement from an insurance carrier certifying that there is in effect a motor vehicle liability policy covering the operator or vehicle. Effective for policies issued on or after, or renewed on or after, 13 December 2017 the minimum financial responsibility limits increased from 15/30/5 to 25/50/10.

District of Columbia: §31-2406 Insurance is required, however an owner of 25 or more vehicles may qualify for self-insurance as approved by the Mayor per §50-1301.79.

Florida: For property damage only. 100/300/50 is compulsory if guilty of driving under the influence, as of Oct. 1, 2007. Financial Responsibility — Manner of providing proof of financial responsibility is detailed in s. 324.031, F.S.: "The owner or operator of a taxicab, limousine, jitney, or any other for-hire passenger transportation vehicle may prove financial responsibility by providing satisfactory evidence of holding a motor vehicle liability policy as defined in s. 324.021(8) or s. 324.151, which policy is issued by an insurance carrier which is a member of the Florida Insurance Guaranty Association. The operator or owner of any



other vehicle may prove his or her financial responsibility by: (1) Furnishing satisfactory evidence of holding a motor vehicle liability policy as defined in ss. 324.021(8) and 324.151; (2) Furnishing a certificate of self-insurance showing a deposit of cash in accordance with s. 324.161; or (3) Furnishing a certificate of self-insurance issued by the department in accordance with s. 324.171. Any person, including any firm, partnership, association, corporation, or other person, other than a natural person, electing to use the method of proof specified in subsection (2) shall furnish a certificate of deposit equal to the number of vehicles owned times $30,000, to a maximum of $120,000; in addition, any such person, other than a natural person, shall maintain insurance providing coverage in excess of limits of $10,000/20,000/10,000 or $30,000 combined single limits, and such excess insurance shall provide minimum limits of $125,000/250,000/50,000 or $300,000 combined single limits. These increased limits shall not affect the requirements for proving financial responsibility under s. 324.032(1)."

Georgia: For more information on compulsory uninsured motorist, refer to OCGA 33-7-11 for complete wording including recent changes per SB-276.

Hawaii: PIP and UM are compulsory, however, there is a non-insurance alternative that includes but is not limited to requiring an applicant to submit to the commissioner proof of financial responsibility that could include cash, bonds, or securities in the amount of at least $300,000 as well as proof to timely pay benefits and to promptly process and pay claims. UM must be offered at initial policy purchase time only, then insurer must obtain rejection in writing from insured if waived.

Idaho: Pursuant to 49-1224 – Self Insurance. Any person in whose name more than twenty-five (25) motor vehicles are registered and titled in Idaho may obtain a certificate of self-insurance issued by the department. 49-1229—A motor vehicle owner who prefers to post an indemnity bond with the director of the department of insurance in lieu of obtaining a policy of liability insurance may do so. Please see IDAPA 18.01.20.

Illinois: 325 ILCS 5/7-502—Self-insurers. Any person in whose name more than 25 motor vehicles are registered may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the Director of the Department of Insurance as provided in this Section.

Indiana: 25/50/25 for motor vehicle insurance issued or renewed on or after 7/1/2017 per IC 27-7-5.1-7. The minimum Bureau of Motor Vehicles financial responsibility requirement for property damage is $25,000 effective July 1, 2018 per IC 9-25-2-3. Other types of financial responsibilityaccepted - a bond, a deposit of money or securities, acertificate of self-insurance. Applicable statutes: IC9-25-4-7, IC 9-25-4-9, IC 9-25-4-10 and IC 9-25-4-11.

Iowa: §321A.18 - Alternate methods of giving proof— A certificate of insurance as provided in section 321A.19 or section 321A.20; A bond as provided in section 321A.24 (); A certificate of deposit as provided in section 321A.25 ($55,000). §321A.34 Self-Insurance— A person who has morethan 25 motor vehicles registered in his/her name may qualify as a self-insurer by obtaining a certificate from the department.

Kansas: Liability limits changed from to 25/50/25 effective 1/1/2017 from 25/50/10 prior to 1/1/2017. Proof of Financial Responsibility—KSA 40-3104: Self Insurance: Any person in whose name more than 25 motor vehicles are registered in Kansas may qualify as a self-insurer by obtaining a certificate of self-insurance from the commissioner of insurance.

Kentucky: 25/50/10 for 2017 and prior. Per 2017 legislation, effective 1/1/2018 required limits will be 25/50/25 for any policy issued or renewed after 1/1/2018. The single limit option of $60,000 did not change. 187.600 Self Insurance: Any person in whose name more than twenty-five (25) motor vehicles are registered may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the Transportation Cabinet.

Louisiana: Pursuant to R.S. 32:861—Motor vehicles shall be covered by an automobile liability policy with liability limits as defined by the state, or a binder for same, or by a motor vehicle liability bond as defined by the state (minimum of 25,000 for



property damage; 15,000 for bodily injury or death of one person; 30,000 on any on accident with injury or death of more than one person), or by a certificate of the state treasurer stating that cash or securities have been deposited or securitized with said treasurer of 50,000, or by a certificate of self-insurance as provided by R.S. 32:1042.

Maine: $2,000 medical payments required after 2007. A person may give proof of financial responsibility by delivering to the Maine Secretary of State a receipt of the Maine State Treasurer showing a deposit of money or securities approved by the Treasurer with a value or amount equal to that required in a policy. Securities must be of a type that may legally be purchased by savings banks or for trust funds. Money or securities deposited may not be attached or executed upon except to satisfy a judgment. The depositor must also show that there are no unsatisfied judgments against him or her registered with any Maine Superior Court clerk. The Secretary of State shall return or cancel proof on acceptance of other adequate proof of financial responsibility. 29-A M.R.S. § 1605(4).

Maryland: Md. TRANSPORTATION Code Ann. § 17-103—Form of security required under lawincludes meeting the minimum vehicle liabilityinsurance policy standards or the Administrationmay accept another form of security in place of avehicle liability insurance policy if it finds that theother form of security adequately provides thebenefits required in § 17-103 (b). Self- Insurance isalso an option if approved by the Administration §17-103 (a)(3).

Massachusetts: (M.G.L.A. 90: § 1A and § 34A-§ 34D, §34M)—Proof of security (financial responsibility) includes insurance; a certificate of state treasurer stating cash was deposited of at least $10,000 (M.G.L.A. 90 §34D); a motor vehicle liability bond (M.G.L.A. 90 §34C); or self-insurance (M.G.L.A. 90 §49G) which has been approved by the Department.

Michigan: Self-Insurance: A person in whose name more than 25 motor vehicles are registered may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the commissioner (Act 218, 500.3101d). Alternative Methods for proof of financial responsibility include: (1) A certificate of

insurance as provided in section 518 or section 519; or (2) A bond as provided in section 523; or (3) A certificate of deposit of money or securities as provided in section 524 (Act 300 – Section 257.517).

Minnesota: (65B.48)—Subject to approval of self-insurance by commissioner, self-insurance is an alternative provided applicant provides sufficient evidence to satisfy requirements.

Mississippi: HB 621 (Eff. 1/1/2001) established compulsory automobile liability insurance system. This requirement can be satisfied through insurance, or through non-insurance proof of liability by posting a bond for the same amounts of as the minimum limits, or making a cash or security deposit equal to the minimum requirements.

Missouri: Missouri permits non-insurance alternatives to demonstrate proof of financial responsibility: bonds, certificates of deposit or certificate of self-insurance. SB 708 was passed by the Missouri General Assembly. This legislation will increase the property damage minimum liability limits to $25,000, effective 7/1/2019.

Montana: 61-6-132. Alternate methods of giving proof. (1) Proof of financial responsibility when required under this part with respect to a motor vehicle or with respect to a person who is not the owner of a motor vehicle may be given by filing: (a) a certificate of insurance as provided in 61-6-133 or 61-6-134; (b) a bond as provided in 61-6-137; (c) acertificate or deposit of money or securities asprovided in 61-6-138; or (d) a certificate of self-insurance, as provided in 61-6-143, supplemented byan agreement by the self-insurer that, with respect toaccidents occurring while the certificate is in force,the self-insurer will pay the same judgments and inthe same amounts that an insurer would have beenobligated to pay under an owner's motor vehicleliability policy if it had issued a policy to the self-insurer. Effective 1 January 2016 the financialresponsibility limits increased from 25/50/10 to25/50/20.

Nebraska: NE statute 60-346 defines proof of financial responsibility as evidence of ability to pay damages for liability (60-387, Proof of financial responsibility shall be furnished for each motor



vehicle registered by any person required to give such proof by filing: (1) A certificate of insurance as provided in section 60-529 or 60-531; (2) A bond as provided in sections 60-547 and 60-548; (3) A certificate of deposit of money or securities as provided in section 60-549; or (4) A certificate of self-insurance as provided in sections 60-562 to 60-564. The department shall issue to any personproviding the proof of financial responsibility a copyof any filing described in subdivision (2), (3), or (4)of section 60-528 with the department's seal affixedto the copy.

Nevada: Self-insurers may post bonds in lieu of purchasing insurance. However, only persons registering 10 or more vehicles may qualify as self-insurers (NRS 485.380). Effective 7/1/2018 liability limits changed from 15/30/10 to 25/50/20.

New Hampshire: NH is not a compulsory state. However, if insurance is purchased, limits are 25/50/25 and $1,000 medical payments if buying auto insurance for personal use, NH RSA 264:16; NH RSA 259:61.

New Jersey: The minimum limits for New Jersey are 15/30/5 liability and uninsured motorist/ underinsured motorist coverage and $250,000 personal injury protection coverage (with lower limits available). A basic policy was introduced March 22, 1999, whereby the insured can purchase $15,000 of PIP benefits (with $250,000 available for catastrophic injury) and $5,000 property damage. Bodily injury coverage of $10,000 is optional. Uninsured motorist coverage is not available under the basic policy. Effective Oct. 1, 2003, a Special Auto Insurance Policy (SAIP) was offered to individuals who are eligible for and enrolled in the federal Medicaid program, which provides only emergency PIP coverage of $250,000 per person, per accident. Liability coverage and uninsured motorist/ underinsured motorist coverages are not available. Self-Insurance: At the discretion of the Insurance Commissioner, any person in whose name more than 25 motor vehicles are registered or in whose name more than 25 motor vehicles are leased may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the Commissioner of Insurance (NJ ST 39:6-52)

New Mexico: The Mandatory Financial Responsibility Act (MFRA) (Sections 66-5-201 to 66-5-239 NMSA 1978): Self Insurers (66-5-207.1)—The superintendent of insurance shall issuea Certificate of self-insurance to an applicant withmotor vehicles registered in his name in this state,provided that the applicant has met the same criteriafor self-insurance as set by the superintendent ofinsurance for workmen’s compensation liability.Insurance must meet requirements as set by 66-5-208, if evidence is in the form of a surety bond or acash deposit, the total amount shall be $60,000 66-5-208).

New York: Policyholders must also have 50/100 for wrongful death coverage. Title 3, Article 6, VAT §311—The term “proof of financial security” shallmean proof of ability to respond in damages forliability arising out of the ownership, maintenance oruse of a motor vehicle as evidenced by an owner'spolicy of liability insurance, a financial securitybond, a financial security deposit, or qualificationsas a self-insurer under §316.

North Carolina: Article 13 § 20-309: Financial responsibility shall be a liability insurance policy or a financial security bond or a financial security deposit or by qualification as a self-insurer, as these terms are defined and described in Article 9A, Chapter 20 of the General Statutes of North Carolina, as amended.

North Dakota: 39-16-32. Self-insurer: Any person in whose name more than twenty-five motor vehicles are registered may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the director as provided in subsection 2 of 39-16-32. 39-161-.1-08: Proof of financial responsibility whenrequired under this chapter may be given by filing:1. A certificate of insurance as provided in sections39-16.1-09 and 39-16.1-10; 2. A bond as provided insection 39-16.1-14; or 3. A certificate of deposit ofmoney or securities as provided in section 39-16.1-15.

Ohio: Minimum limits apply to mandatory financial responsibility, which can be satisfied through means other than insurance. Policies issued or renewed prior to December 22, 2013 at the current lower limits, continue to constitute proof of financial responsibility for the remainder of the term of that



policy. Minimum limits changed from 12.5/25/7.5 to 25/50/25.

Oklahoma: §47-7-320 Proof of financial responsibility when required under this article, with respect to a vehicle or with respect to a person who is not the owner of a vehicle, may be given by filing: 1. A security verification form as defined inSection 7-600 of this title; 2. A certificate of depositof money or securities as provided in Section 7-330of this title; or 3. A certificate of self-insurance, asprovided in Section 7-503 of this title, supplementedby an agreement by the self-insurer that, with respectto accidents occurring while the certificate is inforce, the self-insurer will pay the same amounts thatan insurer would have been obliged to pay under amotor vehicle liability policy if the insurance carrierhad issued a policy to the self-insurer.

Oregon: Change in limits from 25/50/10 to 25/50/20, applies to motor vehicle insurance policies issued or renewed on or after Jan. 1, 2010. For prior conviction of driving under the influence of intoxicants, the requirements are 50/100/10. Financial responsibility requirements—To meet the financial responsibility requirements, a person must be able to respond in damages in amounts not less than those established under the payment schedule under ORS 806.070 and respond to damages by (a) Obtaining a motor vehicle liability policy meeting the requirements under ORS 806.080 that will provide at least minimum limits necessary to pay amounts established under the payment schedule under ORS 806.070; or (b) Becoming self-insured as provided under ORS 806.130. [1983 c.338 §842; 1985 c.16 §426; 1995 c.41 §5; 2003 c.175 §5].

Pennsylvania: 75 Pa.C.S.A. §1782: Proof of financial responsibility may be furnished by filing evidence satisfactory to the department that all motor vehicles registered in a person's name are covered by motor vehicle liability insurance or by a program of self-insurance as provided by section 1787 (relating to self-insurance) or other reliable financial arrangements, deposits, resources or commitments acceptable to the department.

Rhode Island: § 31-32-20 Alternate methods of giving proof. - Proof of financial responsibility when required under this chapter, with respect to a vehicle or with respect to a person who is not the owner of a

vehicle, may be given by filing: (1) A certificate of insurance as provided in § 31-32-21 or 31-32-22; (2) A bond as provided in 31-32-27; (3) A certificate of deposit of money or securities as provided in § 31-32-30; (4) A certificate of self-insurance, asprovided in § 31-33-9, supplemented by anagreement by the self-insurer that, with respect toaccidents occurring while the certificate is in force,the self-insurer will pay the same amounts that aninsurer would have been obliged to pay under anowner's motor vehicle liability policy if it had issueda policy to the self-insurer.

South Carolina: SECTION 56-10-20: The security required under this chapter is a policy or policies written by insurers authorized to write such policies in South Carolina providing for at least (1) the minimum coverages specified in Sections 38-77-140 through 38-77-230 and (2) the benefits required under Sections 38-77-240, 38-77-250, and 38-77-260. However, the director or his designee mayapprove and accept another form of security in lieuof such a liability insurance policy if he finds thatsuch other form of security is adequate to provideand does in fact provide the benefits required by thischapter. SECTION 56-9-60 (Self Insurance): Aperson or company who has more than twenty-fivemotor vehicles registered in his name may qualify asa self-insurer. South Carolina Law allows an ownerto register as an uninsured motorist. The fee is$550.00 annually for the privilege to drive anuninsured motor vehicle on South Carolina roads.An uninsured motorist registration is not aninsurance policy.

South Dakota: Non-insurance financial responsibility may include a bond from a surety company or a bond with at least two individual sureties each owning real estate within this state; a certificate of the state treasurer of money or securities deposited equal to state minimum coverage. Alternatively, if a person registers more than 25 vehicles, one can self-insure. A certificate of self-insurance is issued at the discretion of Dept. of public Safety (Dept.) if the Dept. is satisfied that one is in sufficient financial condition.

Tennessee: Effective 1/1/17 the single limit of $60,000 changed to $65,000. 55-12-102 (12) defines amounts of financial responsibility. 55-12-139(2)— proof of financial responsibility includes (A) a



document confirming insurance from policy carrier; (B) a certificate, valid for one year, issued by thecommissioner of safety, stating that 1) a cash depositor bond in the amount required by this part has beenpaid or filed with the commissioner of revenue or 2)the driver has qualified as a self-insurer under § 55-12-111.

Texas: Effective January 1, 2011--SB502, 80(R), Texas Legislative Session, Chapter 601, Texas Transportation Code (601.072). Transportation Code Section 601.051. Financial responsibility must be established for a vehicle through: Transportation Code Sec. 601.051. REQUIREMENT OF FINANCIAL RESPONSIBILITY. A person may not operate a motor vehicle in this state unless financial responsibility is established for that vehicle through: (1) a motor vehicle liability insurance policy that complies with Subchapter D; (2) a surety bond filed under Section 601.121; (3) a deposit under Section 601.122; (4) a deposit under Section 601.123; or (5) self-insurance under Section 601.124.

Utah: (41-12a-401) Proof of owner's or operator's security (i.e. financial responsibility)—(a) a certificate of insurance under Section 41-12a-402 or 41-12a-403; (b) a copy of a surety bond underSection 41-12a-405; (c) a certificate of deposit ofmoney or securities issued by the state treasurerunder Section 41-12a-406; or (d) a certificate of self-funded coverage under Section 41-12a-407.

Vermont: 23 V.S.A. § 800—Maintenance of financial responsibility: Automobile liability policy or bond in the amounts as required by law in the above-mentioned section. In lieu of insurance/bond, evidence of self-insurance in the amount of as required by law in the statute above must be filed with the Commissioner of Motor Vehicles, and shall be maintained and evidenced in a form prescribed by the Commissioner.

Virginia: Financial Responsibility requirement can be met by either paying the Uninsured Motorist Vehicle Fee paid to the DMV or purchasing insurance. The fee does not provide insurance; it only allows one to drive an uninsured vehicle at own risk. Or the owner may purchase insurance. If insurance is purchased it must have minimum limits of 25/50/20.

Washington: RCW 46.29.450 Alternate methods of giving proof: (1) A certificate of insurance as provided in RCW 46.29.460 or 46.29.470; (2) A bond as provided in RCW 46.29.520; (3) A certificate of deposit of money or securities as provided in RCW 46.29.550; or (4) A certificate of self-insurance, as provided in RCW 46.29.630, supplemented by an agreement by the self-insurer that, with respect to accidents occurring while the certificate is in force, he or she will pay the same amounts that an insurer would have been obliged to pay under an owner's motor vehicle liability policy if it had issued such a policy to said self-insurer.

West Virginia: Effective 1 January 2016 the limits increased from 20/40/10 to 25/50/25. §17D-6-2. Self-insurers. a) Any person in whose name more than twenty-five vehicles are registered may qualify as a self-insurer by annually obtaining a certificate of self-insurance issued by the commissioner as provided in subsection (b) of this section. (b) The commissioner may, in his or her discretion, upon the application of such a person, issue a certificate of self-insurance when he or she is satisfied that such person is possessed and will continue to be possessed of ability to pay judgments obtained against such person. The commissioner may not issue a certificate of self-insurance unless the applicant is listed as the registered owner of the motor vehicles and the applicant files an itemized financial statement that reflects a minimum of one million dollars in total assets. The listed assets must be wholly owned by the applicant.

Wisconsin: 344.30 Methods of giving proof of financial responsibility—Whenever a person is required under ch. 343 or this chapter to give proof of financial responsibility for the future, such proof may be given by filing: (1) Certification of insurance as provided in s. 344.31; or (2) A bond as provided in s. 344.36; or (3) A certificate of deposit of money or securities as provided in s. 344.37; or (4) A certificate of self-insurance as provided in s. 344.16, supplemented by an agreement by the self-insurer that, with respect to accidents occurring while the certificate is in force, the self-insurer will pay the same amounts that an insurer would have been obligated to pay under a motor vehicle liability policy if it had issued such a policy to such self-insurer.



Wyoming: 31-9-402. Types of proof— (i) A certificate of insurance as provided in W.S. 31-9-403 or 31-9-404; (ii) A bond as provided in W.S. 31-9-408; or (iii) A certificate of deposit of money or securities as provided in W.S. 31-9-409.

****** Personal Injury Protection Laws – Table 42

Due to the different tort laws in each state, some of the states may require consumers to purchase PIP coverage, while others may require medical payments coverage. In general, the states with no-fault laws require PIP, and the states with tort laws require medical payments coverage.

Florida: Suspended Oct. 1, 2007, through Jan. 1, 2008. Now reinstated.

Maryland: Can waive for self and family members over 16 years of age.

Massachusetts: Insured can choose to have a deductible of up to $8000 for oneself and family members; this would, in effect, eliminate the $8,000 PIP coverage.

Minnesota: PIP requirement includes $20,000 for medical and $20,000 for non-medical. Uninsured motorist (UM) coverage is also required, with 25/50 limits. In addition to UM coverage, Minnesota also requires underinsured motorist (UIM) coverage, also with 25/50 limits.

New Jersey: PIP option of $250,000 is the standard coverage, with lower limits available. Under the basic policy, only $15,000 of PIP limit is available (with $250,000 PIP coverage for catastrophic injury). Effective Oct. 1, 2003, a Special Auto Insurance Policy (SAIP) became available for individuals enrolled in the federal Medicaid program, providing only emergency PIP coverage of $250,000.

North Carolina: Rejection of UM coverage no longer allowed per 2009 Session Law; Senate Bill 749.

Oregon: There is a $15,000 minimum for PIP.

Pennsylvania: Pennsylvania has a mandatory first-party medical benefit law. It is similar to PIP, but is titled Medical Benefits.

Texas: Minimum limits apply to mandatory financial responsibility, which can be satisfied through means other than insurance.

Wisconsin: UM is compulsory effective as of 6/1/2010.

****** Seat Belt Laws - Table 43

Nearly all the states have mandatory seat belt laws. Some are primary in nature, which allow a law enforcement official to stop a vehicle and issue a ticket based solely on lack of proper seat belt usage. Others are secondary; in which case a vehicle must be pulled over for some other cause, but the officer may then ticket an individual for seat belt violations.

Please refer to Table 43 for laws in each specific state.

Alabama: Code section 32-5B-5.

Alaska: Seat belt enforcement became primary in May 2006.

Arkansas: Seat belt enforcement became primary in March 2009.

California: Seat belt fine for 1st offense ($50 for subsequent offenses); applicable for passengers aged 16/over.

Colorado: Children 1 year to 4 years and 20-40 pounds must be secured in a child safety seat; children up to 8 years must be in a restraint system, such as a booster seat; children 8-15 years must be properly restrained by a safety belt. Child restraints are a primary enforcement law subject to a $65 fine. Refer to CRS 42-4-236 for more information.

Florida: Children under 6 must be protected by an approved child restraint device. Children 6-18 must be restrained by a safety belt. Seat belt enforcement became primary 6/30/09.



Illinois: Public Act 97-0016 (House Bill 219) effective 1/1/12 requires rear seat passengers to wear seat belts as well as front seat passengers.

Kansas: Seat belt enforcement became primary effective 7/1/2010.

Louisiana: Effective 8/1/2016 — $50 first offense, $75 fine for subsequent offenses. An additional $20.00 penalty is assessed if offense occurs in Orleans Parish. ACT 446; 2016 Regular Session.

Michigan: The law requires passengers 8-15 to wear seat belts in all seating positions; drivers and front seat passengers to wear seat belts. Michigan's child passenger safety law requires children younger than age 4 to ride in a car seat in the rear seat if the vehicle has a rear seat. If all available rear seats are occupied by children under 4, then a child under 4 may ride in a car seat in the front seat. A child in a rear-facing car seat may only ride in the front seat if the airbag is turned off. Children to be properly buckled in a car seat or booster seat until they are 8 years old or 4-feet-9-inches tall. Children must ride in a seat until they reach the age requirement or the height requirement, whichever comes first.

Mississippi: Seat belt enforcement is primary for front seat passenger and/or child under the age of 7.

Montana: Seat belt enforcement is primary for children under 6; Secondary for all others

New Jersey: Seat belt enforcement is primary for front seat & passengers under 18; secondary for backseat.

New York: $50 fine; front seat only; $100 for children under age 16

Ohio: See R.C, 4513.263 for more information.

North Dakota: Seat belt enforcement is primary for minors and secondary for adults.

South Dakota: Seat belt enforcement is primary for children 17 and younger.

Utah: Seat belt enforcement is primary for ages 16–19 and secondary for those 19 and older.

Virginia: Seat belt enforcement is secondary for ages 18 and above with a $25 fine for front seat only. Persons 8-18 must wear seatbelt; child under age 8 must be in a child-seat.

****** Drunk Driving Laws – Table 44

The BAC threshold is the percentage level of a person’s blood alcohol content (BAC) at which a person is considered to be legally intoxicated with respect to motor vehicle use. The states have also enacted a variety of penalties in an attempt to reduce drunk driving. These may include anything from increasing the length of license suspension to impounding automobiles.

If a state has administrative license suspension, then the law defines the BAC as being intoxicated. If, when stopped out on the road, a driver’s BAC exceeds the state-mandated threshold, the officer can suspend the driver’s license immediately. The driver is still entitled to a hearing, and the license suspension is subject to the ruling at the hearing.

California: 0.01 or higher BAC for persons under age 21. California has had this zero-tolerance law for persons under 21 since January 1994.

Colorado: Effective 7/1/2004, BAC threshold of .08.

Connecticut: .02 or higher BAC for persons under age 21. CGS § 14-227g. First offence includes a 45 day suspension and ignition interlock device for one year.

D.C.: Commercial drivers BAC .04

Florida: Drivers under 21 - BAC .02 or higher; Suspension 180 days to one year (first offense).

Hawaii: Drivers under 21 - unlawful to drive with any measurable amount of alcohol. First offence is a 90 day suspension.

Indiana: Drivers under 21 - BAC .02 or higher; Suspension 90 days to two years (first offense).

Kansas: Drivers under 21 - BAC .02 or higher; Suspension period is 30 days. Following the



Arizona: See ARS 28-909.

suspension, offender is required to drive on a restricted license for 330 days. A judge will determine what type of restriction to put on the offender's license after considering the circumstances surrounding the conviction (first offense).

Louisiana: An administrative license suspension applies as of 2009. The BAC threshold is 0.08 for all drivers, 0.02 for drivers under 21 and 0.04 for commercial vehicle drivers.

Massachusetts: There are some exceptions to license suspension for first-time offenders.

Montana: A probationary license may be available to those with license suspension.

Nevada: Drivers under 21 - BAC .02 or higher; 90-day suspension (first offense).

New Jersey: Administrative license suspension with BAC greater than 0.08% but less than 0.10% is three months. Administrative license suspension with BAC greater than 0.10% is seven months to one year. Drivers under 21 - 30-90 day license suspension if BAC >= 0.01 and < 0.08.

New York: The BAC noted in table 45 does not take into account all of the different BAC levels and the various penalties, including fines, jail time, and license revocation/suspension. Also, for a BAC of .08 or higher, there is no suspension, but there is a minimum revocation period. Please see the chart for the various penalties on the NYS Department of Motor Vehicles’ website https://dmv.ny.gov/about-dmv/chapter-9-alcohol-and-other-drugs#yre-bac.

Ohio: BAC .08 Effective 1/1/2004; Six month to three years suspension period (first offense); R.C. 4511.19. Drivers under 21: BAC .02 or higher; three months to two years suspension period (first offense); R.C. 4511.19(H)(1) and R.C. 4510.02(A)(6)

South Carolina: Section 56-5-2951. (A) The Department of Motor Vehicles must suspend the driver’s license, permit, or nonresident operating privilege of or deny the issuance of a license or permit to a person who drives a motor vehicle and refuses to submit to a test provided for in Section

56-5-2950 or has an alcohol concentration of fifteenone-hundredths of one percent or more. Thearresting officer must issue a notice of suspensionwhich is effective beginning on the date of thealleged violation of Section 56-5-2930, 56-5-2933,or 56-5-2945. See code section 56-1-286 regardingalcohol related charges for drivers under age 21.

Virginia: Drivers under 21 - BAC .02 or higher; 1 year suspension (first offense).

****** Speed Limits – Table 44

Alaska: By regulation, the maximum speed limit is 55 mph. This can be altered by the state or municipality when circumstances suggest a different reasonably safe speed. Some highways are marked at 65 mph.

California: Speed limit is 70 mph only if posted (if no limit is posted, then 65 mph on multi-lane highways and 55 mph otherwise).

Indiana: Effective 2006 speed limit is 70 with 65 for Trucks.

Kansas: 75 mph is the speed limit on rural segments of freeway and on the turnpike unless marked otherwise.

Maryland: Effective 1 October 2015 the maximum speed limit increased from 65 mph to 70 mph on limited roadways.

Montana: Effective 2016 the maximum speed limit in the state increased from 75 mph to 80 mph on specified roadways, MCA § 61-8-303.

New Hampshire: Effective 2015 the maximum speed limit in the state increased from 65 mph to 70 mph on specified roadways, § 265:60.

New Jersey: Maximum speed limits listed are those allowed by law on highways in the state. However, the posted limit is the maximum on any given highway.

Ohio: R.C. 4511.21. The speed limit is 70 mph on certain rural areas of the interstate. This law became effective in July 2014.



Arizona: See ARS 28-702.04.

Oklahoma: HB 3167 removed the 75 mph maximum speed effective 11/1/16. If state approves limits above 75 those can be in place.

Oregon: Effective 1 March 2016 on specified segments of roadway the speed limit increased from 65 mph to 70 mph.

Pennsylvania: The speed limit on specified segments increased from 65 to 70 effective the summer of 2014.

South Dakota: Prior to 2015, 75 mph interstate only. Effective 2015, 80mph on specified segments.

Texas: The speed limit is 75 mph on some roads and 80 mph on I-10 and I-20 through most of West Texas (Chapter 545, Texas Transportation Code). Effective Sept. 1, 2011, the reduced nighttime speed limit on all truck-specific speed limits were repealed.

Utah: Some sections of I-15 are 80 mph.

Wisconsin: Effective May 2015 the speed limit on specified segments of roadways increased from 65 to 70.

Wyoming: The speed limit on specified segments of roadway is 80 mph effective 7/1/2017; it was 75 mph prior.

******

Distracted Driving Laws – Table 45

The distracted driving laws vary by state, even counties and cities. The laws in Table 45 and clarifications below are non-commercial driver laws at the state level and drivers should be aware cities and counties may have more stringent laws.

Alabama: All cell phone use is banned for novice drivers per Section 32-6-7.2. Novice driver is defined as 16 or 17 years old having had an intermediate license for less than 6 months.

Arizona: Text messaging ban is for drivers under 18 years of age and with a graduated driver’s license (GDL). See ARS 28-914.

Arkansas: The hand-held ban for novice drivers refers to drivers ages 18 to 20. Hand-held cell phones are also banned while driving in a school zone or in a highway construction zone and this law is secondarily enforced. All cell phone use is banned for drivers under 18.

Delaware: All cell phone use ban is for drivers with a learner permit or with an intermediate drivers license.

District of Columbia: The all cell phone use ban is for drivers with a learner permit.

Iowa: All cell phone use ban for novice drivers refers to restricted or intermediate license drivers.

Kansas: All cell phone use ban for novice drivers refers to drivers with a learner permit or intermediate driver license.

Louisiana: Novice driver for hand-held ban refers to drivers with learner or intermediate license regardless of age. Hand-held ban in school zones regardless of age or license. All cell phone use is banned for drivers within their first year of license and is primarily enforced for drivers under 18.

Michigan: All cell phone ban for Level 1 or 2 license.

Minnesota: Novice driver refers to drivers under 18 years of age that have a learner or provisional license.

Nebraska: All cell phone use is banned for novice drivers. Novice drivers refers to drivers under 18 years of age that have a learner or provisional license.

New Jersey: Novice driver for all cell phone use ban refers to drivers with a permit or provisional license.

New Mexico: Novice driver for all cell phone use ban refers to drivers with a permit or provisional license.

Oklahoma: The hand-held ban is for drivers with a learner or intermediate license.



South Dakota: All cell phone use is banned for novice drivers. Novice driver refers to drivers with a learner or intermediate driver license.

Tennessee: All cell phone use is banned for novice drivers. Novice driver refers to a driver with a learner or intermediate driver license. Total hand-held ban was effective 1 July 2019.

Texas: Hand-held ban in school zones only.

Washington: All cell phone use is banned for novice drivers. Novice driver refers to a driver with a learner or intermediate driver license.

West Virginia: All cell phone use is banned for novice drivers. Novice driver refers to a driver under 18 years of age that has a learner or provisional license.

Wisconsin: All cell phone use is banned for novice drivers. Novice driver refers to a driver with a learner or intermediate driver license.

******

The following information was obtained from the state insurance departments: rate filing laws; form filings laws; state liability law types; tort thresholds; compulsory liability insurance; liability limits; compulsory personal injury protection; compulsory uninsured motorist liability; automobile seat belt laws; administrative license suspensions of drunk drivers; blood alcohol concentration legal limits; and maximum speed limits.




STATE Current Law* NotesAlabama Prior Approval No statute listed for personalAlaska File and Use/Flex Prior Approval for PPA assigned risk plans; Effective 11/2/2005 §21.39.220 & §21.39.210 Bulletin B 05-09Arizona Use and File § 20-385Arkansas File and Use § 23-67-211California Prior Approval Ins. §§ 1861.05; 1851Colorado File and Use §§ 10-4-401; 10-4-403(5); 3 CCR 702-5:5-1-10; 702-5:5-1-11

Connecticut Prior Approval Prior approval for BI and UM. File and Use for PD, Compr. and Collision. Flex Rating +/- 6% and not more than a 15% increase in any individual territory; eff. July 1, 2006

Delaware File and Use 18 Del.C. §§ 2502 to 2506District of Columbia File and Use § 31-2704

Florida Prior Approval Companies may Use & File at the risk of having to refund any excessive charge. Actual text of the Law says "File and Use." § 627.0651

Georgia Prior Approval *Prior Approval for statutory coverages only; all other coverages will be file and useHawaii Prior Approval § 431:14-104; 431:14-103.3Idaho Use and File Bulletin 91-1Illinois Use and File 50 IL ADC 754.10 to 754.40Indiana File and Use § 27-1-22-4Iowa Use and File § 515F.20 to 515F

Kansas Flex Rating/Prior Approval Flex Rating Effective 7/1/2008; and File and Use Prior to 7/1/2008

Kentucky Flex Rating Use and File unless the change is greater than +/-25%, which triggers Prior Approval per KRS 304.20-040Louisiana Prior Approval Effective 1/1/2008 - Prior Approval with 45 day deemer; LSA-R.S 22:1451

Maine File and Use Statute contains a deemer provision but doesn't specifically require approval; 24-A M.R.S.A. §§ 2302; 2304-A

Maryland File and Use Ins. §§ 11-101; 11-202; 11-205 to 11-212; 11-214 to 11-215; 11-218 to 11-222; 11-225 to 11-227; 11-230 to 11-232; 11-307

Massachusetts File and Use Companies may file group marketing plan deviations; M.G.L.A. 175E §§ 5 to 7

Michigan File and Use Group-rated program rules/rates are Prior Approval; Sect. 2129 exemption insurer rules/rates are Prior Approval unless alternate File and Use requested. § 500.2108

Minnesota File and Use Bulletin 2005-2 expedited review for Auto filings effective 7/1 this bulletin added forms and rules if company completes the certification in the bulletin. § 70A.06

Mississippi Prior Approval § 83-2-7Missouri Use and File § 379.470Montana File and Use Rates must be filed prior to use with supporting data. § 33-16-203Nebraska File and Use § 44-7501 to 44-7535Nevada Prior Approval §§ 686B.070 to 686B.110New Hampshire File and Use Prior approval for non-competitive marketNew Jersey Prior Approval § 17:29A-46.6; NJAC 11:3-16.6 to 11:3-16.16; NJAC 11:3-16B.1 to 11:3-16B.6New Mexico File and Use Effective 10/01/2007. § 59A-17-9; 59A-17-13New York Prior Approval Flex Rating +/- 5%. Ins. Law §§ 2305; 2328 North Carolina Prior Approval § 58-36-70

North Dakota Prior Approval A Use & file filing for which the average rate is less than +/- 5% is allowed once per calendar year; all other rate filings are prior approval. § 26.1-25-04

Ohio File and Use § 3937.03Oklahoma Use and File Under the jurisdiction of the Oklahoma Insurance Commissioner. 36 Okl.St.Ann. § 987 Oregon File and Use § 737.205Pennsylvania Prior Approval 75 Pa. C.S. §§ 2003 to 2009 and 40 P.S. §§ 710-3 to 710-19 and 1181 to 1199Rhode Island File and Use/Flex Flex Rating is allowed for rate revision within +/-5%.

South Carolina Flex Rating Filings within +/- 7% may qualify for file and use, Filings not qualifying for file and use are prior approval. § 38-73-340; 38-73-915; 38-73-960; 38-73-520

South Dakota File and Use § 58-24-1 to 58-24-67; 58-24-10.2Tennessee Prior Approval/Flex TCA § 56-5-302 (2011)Texas File and Use Insurance Code Sections 2251.001; 2251.101Utah Use and File § 31A-19a-203; 31A-19a-206Vermont Use and File Open competition state. Rates must be filed and can be disapproved for lack of supporting information.Virginia File and Use § 38.2-1906Washington Prior Approval § 48.19.060West Virginia Prior Approval § 33-20-4; W. Va. Code R. § 114-75-3Wisconsin Use and File § 625.13Wyoming No File Must be produced upon commissioner's request. § 26-14-107Source: State Insurance Departments*Current year is 2019

Rate Filings Laws for Private Passenger Auto Insurance

Table 38AState Laws

Rate Filing Laws, Current




STATE Current* 2016 2015 2014Alabama Prior Approval Prior Approval Prior Approval Prior ApprovalAlaska File and Use/Flex File and Use/Flex File and Use/Flex File and Use/FlexArizona Use and File Use and File Use and File Use and FileArkansas File and Use File and Use File and Use File and UseCalifornia Prior Approval Prior Approval Prior Approval Prior ApprovalColorado File and Use File and Use File and Use File and UseConnecticut Prior Approval Prior Approval Prior Approval Prior ApprovalDelaware File and Use File and Use File and Use File and UseDistrict of Columbia File and Use File and Use File and Use File and UseFlorida Prior Approval Prior Approval Prior Approval Prior ApprovalGeorgia Prior Approval Prior Approval Prior Approval Prior ApprovalHawaii Prior Approval Prior Approval Prior Approval Prior ApprovalIdaho Use and File Use and File Use and File Use and FileIllinois Use and File Use and File Use and File Use and FileIndiana File and Use File and Use File and Use File and UseIowa Use and File Use and File Use and File Use and File

KansasFlex Rating/Prior

Approval Flex Rating/Prior



ApprovalKentucky Flex Rating Flex Rating Flex Rating Flex RatingLouisiana Prior Approval Prior Approval Prior Approval Prior Approval

Maine File and Use File and Use File and Use File and UseMaryland File and Use File and Use File and Use File and UseMassachusetts File and Use File and Use File and Use File and UseMichigan File and Use File and Use File and Use File and UseMinnesota File and Use File and Use File and Use File and UseMississippi Prior Approval Prior Approval Prior Approval Prior ApprovalMissouri Use and File Use and File Use and File Use and FileMontana File and Use File and Use File and Use File and UseNebraska File and Use File and Use File and Use File and UseNevada Prior Approval Prior Approval Prior Approval Prior ApprovalNew Hampshire File and Use File and Use File and Use File and UseNew Jersey Prior Approval Prior Approval Prior Approval Prior ApprovalNew Mexico File and Use File and Use File and Use File and UseNew York Prior Approval Prior Approval Prior Approval Prior ApprovalNorth Carolina Prior Approval Prior Approval Prior Approval Prior ApprovalNorth Dakota Prior Approval Prior Approval Prior Approval Prior ApprovalOhio File and Use File and Use File and Use File and UseOklahoma Use and File Use and File Use and File Use and FileOregon File and Use File and Use File and Use File and UsePennsylvania Prior Approval Prior Approval Prior Approval Prior ApprovalRhode Island File and Use/Flex File and Use/Flex File and Use/Flex File and Use/FlexSouth Carolina Flex Rating Flex Rating Flex Rating Flex RatingSouth Dakota File and Use File and Use File and Use File and UseTennessee Prior Approval/Flex Prior Approval/Flex Prior Approval/Flex Prior Approval/FlexTexas File and Use File and Use File and Use File and UseUtah Use and File Use and File Use and File Use and FileVermont Use and File Use and File Use and File Use and FileVirginia File and Use File and Use File and Use File and UseWashington Prior Approval Prior Approval Prior Approval Prior ApprovalWest Virginia Prior Approval Prior Approval Prior Approval Prior ApprovalWisconsin Use and File Use and File Use and File Use and FileWyoming No File No File No File No File*Current year is 2019

Source: State Insurance DepartmentsRefer to narrative for more information.

Rate Filings Laws for Private Passenger Auto Insurance

Table 38B

State LawsRate Filing Laws, 2014-2016 and Current




STATE Current Law* Notes

Alabama § 27-14-8

Alaska Effective 11/2/2005. §§ 21.42.120; 21.42.123; 21.42.125 & 3 AAC 29.525 to 29.530

Arizona 30-day waiting period § 20-398

Arkansas A.C.A. § 23-79-109; Ark. Admin. Code 054.00.23-1 to 054.00.23-11

California Forms with rating impact must be filed under the prior approval laws. Ins. § 795.5

Colorado Must be certified by insurers, not filed.

Connecticut C.G.S.A. § 38a-676; CT ADC §§ 38a-676-1 to 38A-676-3

Delaware 18 Del.C. § 2712

District of Columbia § 31-2502.27

Florida §§ 627.410; 627.4102; Rule 69O-170.013, F.A.C.

Georgia §33-24-9

HawaiiIdaho 41-1812

Illinois 215 ILCS 5/143

IndianaIowa § 515.102; IAC 191-20.1

Kansas See 40-955 and Bulletin 2009-7

Kentucky per KRS 304.20-040

Louisiana 45 day deemer; § 22:861; 37 LA ADC Pt :XIII, § 10113

Maine Statute contains a deemer provision. 24-A M.R.S.A. § 2412

Maryland Ins. § 11-206

Massachusetts Generally file and use; M.G.L.A. 175 §§ 2B; 193F

Michigan All new and revised personal automobile forms must be filed for approval. § 500.2236

Minnesota Prior Approval - also see Bulletin 2005-2 for expedited review. § 70A.06

Mississippi

Prior Approval Prior Approval; File and Use

Prior Approval Prior Approval Prior Approval

No File File and Use File and Use

Prior Approval Prior Approval Prior Approval Prior Approval File and Use File and Use File and Use

Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Prior Approval Miss. Admin. Code 19-5:2.01

Missouri Use and File Deemer. Forms cannot be used in the state until they have been approved; however by

operation of law, the forms are deemed approved upon filing and the Director has 60 days in which to petition the Administrative Hearing for disapproval. § 375.920

Montana Prior Approval MCA § 33-1-501

Nebraska File and Use § 44-7508.01; 44-7508.02; 44-7513; 44-7514

Nevada Prior Approval §686B.070

New Hampshire Prior Approval § 412:5

New Jersey Prior Approval New Mexico Prior Approval § 59A-18-12; N.M. Admin Code 13.8.3

New York Prior Approval Ins. Law § 2307

North Carolina Prior Approval § 58-41-50; 11 NCAC 10.1201

North Dakota Prior Approval §26.1-30-19

Ohio File and Use § 3937.03

Oklahoma Prior Approval; File And Use Under the jurisdiction of the Oklahoma Insurance Commissioner; File and Use Self-certification

option is available and under the jurisdiction of the Oklahoma Insurance Commissioner. 36 Okl.St.Ann. § 3610; Okla. Admin. Code 365:15-1-3

Oregon Prior Approval § 742.003; OAR 836-010-0011

Pennsylvania Prior Approval 31 Pa. Code § 89b.3; 40 P.S. § 710-5

Rhode Island Prior Approval § 27-44-4.1; 230-R.I. Code R. § 20-05-13.9

South Carolina Prior Approval §38-73-960

South Dakota Prior Approval § 58-24-70; 58-11-12; 58-11-17; 58-11-18

Tennessee Prior Approval § 56-5-105; 56-5-106

Texas Prior Approval Effective 4/1/2007, policy forms are regulated under Texas Insurance Code Chapter 2301.* Insurers must file policy forms subject to prior approval. (*Chapter 2301 was recodified from

Sect. 8, Art. 5.13-2.)

Utah File and Use § 31A-21-201; U.A.C. R590-225

Vermont Prior Approval § 3541; VT ADC 4-3-10:7

Virginia Prior Approval The Bureau of Insurance is authorized to establish standard forms which insurers must use.

Approval of coverage broadenings for individual insurers is also permitted. § 38.2-317

Washington Prior Approval § 48.18.100

West Virginia Prior Approval §33-6-8

Wisconsin File and Use Effective 7/1/2008 - W.S.A. 631.20

Wyoming Prior Approval §26-15-110; INS. GEN. Ch. 11, § 5

Source: State Insurance Departments

*Current year is 2019

Form Filings Laws for Private Passenger Auto Insurance

Table 39A

State LawsForm Filing Laws, Current




STATE Current* 2016 2015 2014Alabama Prior Approval Prior Approval Prior Approval Prior ApprovalAlaska Prior Approval; File and Use Prior Approval; File and Use Prior Approval; File and Use Prior Approval; File and Use

Arizona Prior Approval Prior Approval Prior ApprovalArkansas Prior Approval Prior Approval Prior Approval Prior ApprovalCalifornia Prior Approval Prior Approval Prior Approval Prior ApprovalColorado No File No File No File No FileConnecticut File and Use File and Use File and Use File and UseDelaware File and Use File and Use File and Use File and UseDistrict of Columbia Prior Approval Prior Approval Prior Approval Prior ApprovalFlorida Prior Approval Prior Approval Prior Approval Prior ApprovalGeorgia Prior Approval Prior Approval Prior Approval Prior ApprovalHawaii Prior Approval Prior Approval Prior Approval Prior ApprovalIdaho File and Use File and Use File and Use File and UseIllinois File and Use File and Use File and Use File and UseIndiana File and Use File and Use File and Use File and UseIowa Prior Approval Prior Approval Prior Approval Prior ApprovalKansas Prior Approval Prior Approval Prior Approval Prior ApprovalKentucky Prior Approval Prior Approval Prior Approval Prior ApprovalLouisiana Prior Approval Prior Approval Prior Approval Prior ApprovalMaine Prior Approval Prior Approval Prior Approval Prior ApprovalMaryland Prior Approval Prior Approval Prior Approval Prior ApprovalMassachusetts Prior Approval Prior Approval Prior Approval Prior ApprovalMichigan Prior Approval Prior Approval Prior Approval Prior ApprovalMinnesota Prior Approval Prior Approval Prior Approval Prior ApprovalMississippi Prior Approval Prior Approval Prior Approval Prior ApprovalMissouri Use and File Use and File Use and File Use and FileMontana Prior Approval Prior Approval Prior Approval Prior ApprovalNebraska File and Use File and Use File and Use File and UseNevada Prior Approval Prior Approval Prior Approval Prior ApprovalNew Hampshire Prior Approval Prior Approval Prior Approval Prior ApprovalNew Jersey Prior Approval Prior Approval Prior Approval Prior ApprovalNew Mexico Prior Approval Prior Approval Prior Approval Prior ApprovalNew York Prior Approval Prior Approval Prior Approval Prior ApprovalNorth Carolina Prior Approval Prior Approval Prior Approval Prior ApprovalNorth Dakota Prior Approval Prior Approval Prior Approval Prior ApprovalOhio File and Use File and Use File and Use File and UseOklahoma Prior Approval; File And Use Prior Approval; File And Use Prior Approval; File And Use Prior Approval; File And Use

Oregon Prior Approval Prior Approval Prior Approval Prior ApprovalPennsylvania Prior Approval Prior Approval Prior Approval Prior ApprovalRhode Island Prior Approval Prior Approval Prior Approval Prior ApprovalSouth Carolina Prior Approval Prior Approval Prior Approval Prior ApprovalSouth Dakota Prior Approval Prior Approval Prior Approval Prior ApprovalTennessee Prior Approval Prior Approval Prior Approval Prior ApprovalTexas Prior Approval Prior Approval Prior Approval Prior ApprovalUtah File and Use File and Use File and Use File and UseVermont Prior Approval Prior Approval Prior Approval Prior ApprovalVirginia Prior Approval Prior Approval Prior Approval Prior ApprovalWashington Prior Approval Prior Approval Prior Approval Prior ApprovalWest Virginia Prior Approval Prior Approval Prior Approval Prior ApprovalWisconsin File and Use File and Use File and Use File and UseWyoming Prior Approval Prior Approval Prior Approval Prior Approval*Current year is 2019

Source: State Insurance DepartmentsRefer to narrative for more information.

Form Filings Laws for Private Passenger Auto Insurance

Table 39B

State LawsForm Filing Laws, 2014-2016 and Current



Prior Approval


STATE 2016 2015 2014 2016 2015 2014Alabama Tort Tort Tort None None NoneAlaska Tort Tort Tort None None NoneArizona Tort Tort Tort None None NoneArkansas Add-on Add-on Add-on 5,000 5,000 5,000California Tort Tort Tort None None NoneColorado Tort Tort Tort None None NoneConnecticut Tort Tort Tort None None NoneDelaware No-fault No-fault No-fault None None NoneDistrict of Columbia No-fault No-fault No-fault Choice or Verbal Choice or Verbal Choice or VerbalFlorida No-fault No-fault No-fault Verbal Verbal VerbalGeorgia Tort Tort Tort None None NoneHawaii No-fault No-fault No-fault 5,000 5,000 5,000Idaho Tort Tort Tort None None NoneIllinois Tort Tort Tort None None NoneIndiana Tort Tort Tort None None NoneIowa Tort Tort Tort None None NoneKansas No-fault No-fault No-fault 2,000 2,000 2,000Kentucky No-fault No-fault No-fault $1,000 or Verbal $1,000 or Verbal $1,000 or VerbalLouisiana Tort Tort Tort None None NoneMaine Tort Tort Tort None None NoneMaryland Add-on Add-on Add-on None None NoneMassachusetts No-fault No-fault No-fault 2,000 2,000 2,000Michigan No-fault No-fault No-fault Verbal Verbal VerbalMinnesota No-fault No-fault No-fault $4,000 or Verbal $4,000 or Verbal $4,000 or VerbalMississippi Tort Tort Tort None None NoneMissouri Tort Tort Tort None None NoneMontana Tort Tort Tort None None NoneNebraska Tort Tort Tort None None NoneNevada Tort Tort Tort None None NoneNew Hampshire Tort Tort Tort None None NoneNew Jersey No-fault No-fault No-fault Choice or Verbal Choice or Verbal Choice or VerbalNew Mexico Tort Tort Tort None None NoneNew York No-fault No-fault No-fault Verbal Verbal VerbalNorth Carolina Tort Tort Tort None None NoneNorth Dakota No-fault No-fault No-fault $2,500 or Verbal $2,500 or Verbal $2,500 or VerbalOhio Tort Tort Tort None None NoneOklahoma Tort Tort Tort None None NoneOregon Tort Tort Tort None None NonePennsylvania* Tort Tort No-fault Choice Choice ChoiceRhode Island Tort Tort Tort None None NoneSouth Carolina Tort Tort Tort None None NoneSouth Dakota Add-on Add-on Add-on None None NoneTennessee Tort Tort Tort None None NoneTexas Tort Tort Tort None None NoneUtah No-fault No-fault No-fault 3,000 3,000 3,000Vermont Tort Tort Tort None None NoneVirginia Tort Tort Tort None None NoneWashington Add-on Add-on Add-on None None NoneWest Virginia Tort Tort Tort None None NoneWisconsin Add-on Add-on Add-on None None NoneWyoming Tort Tort Tort None None None* See Narrative


Table 40

State Laws

State Law Type Tort Threshold

Tort Laws and Thresholds, 2014-2016




STATE 2016 2015 2014 2016 2015 2014Alabama Yes Yes Yes 25/50/25 25/50/25 25/50/25Alaska Yes Yes Yes 50/100/25 50/100/25 50/100/25Arizona Yes Yes Yes 15/30/10 15/30/10 15/30/10Arkansas Yes Yes Yes 25/50/25 25/50/25 25/50/25California Yes Yes Yes 15/30/5 15/30/5 15/30/5Colorado Yes Yes Yes 25/50/15 25/50/15 25/50/15Connecticut Yes Yes Yes 20/40/10 20/40/10 20/40/10Delaware Yes Yes Yes 15/30/10 15/30/10 15/30/10District of Columbia Yes Yes Yes 25/50/10 25/50/10 25/50/10Florida Yes Yes Yes 10/20/10 10/20/10 10/20/10Georgia Yes Yes Yes 25/50/25 25/50/25 25/50/25Hawaii Yes Yes Yes 20/40/10 20/40/10 20/40/10Idaho No No No 25/50/15 25/50/15 25/50/15Illinois* Yes Yes Yes 25/50/20 25/50/20 20/40/15Indiana Yes* Yes* Yes* 25/50/10 25/50/10 25/50/10Iowa No No No 20/40/15 20/40/15 20/40/15Kansas Yes Yes Yes 25/50/10 25/50/10 25/50/10Kentucky Yes Yes Yes 25/50/10 25/50/10 25/50/10Louisiana Yes Yes Yes 15/30/25 15/30/25 15/30/25Maine Yes Yes Yes 50/100/25 50/100/25 50/100/25Maryland Yes Yes Yes 30/60/15 30/60/15 30/60/15Massachusetts Yes Yes Yes 20/40/5 20/40/5 20/40/5Michigan Yes Yes Yes 20/40/10 20/40/10 20/40/10Minnesota Yes Yes Yes 30/60/10 30/60/10 30/60/10Mississippi No No No 25/50/25 25/50/25 25/50/25Missouri Yes Yes Yes 25/50/10 25/50/10 25/50/10Montana* Yes Yes Yes 25/50/20 25/50/10 25/50/10Nebraska Yes Yes Yes 25/50/25 25/50/25 25/50/25Nevada Yes Yes Yes 15/30/10 15/30/10 15/30/10New Hampshire No No No 25/50/25 25/50/25 25/50/25New Jersey Yes Yes Yes 15/30/5 15/30/5 15/30/5New Mexico Yes Yes Yes 25/50/10 25/50/10 25/50/10New York Yes Yes Yes 25/50/10 25/50/10 25/50/10North Carolina Yes Yes Yes 30/60/25 30/60/25 30/60/25North Dakota Yes Yes Yes 25/50/25 25/50/25 25/50/25Ohio Yes Yes Yes 25/50/25 25/50/25 25/50/25Oklahoma Yes Yes Yes 25/50/25 25/50/25 25/50/25Oregon Yes Yes Yes 25/50/20 25/50/20 25/50/20Pennsylvania Yes Yes Yes 15/30/5 15/30/5 15/30/5Rhode Island Yes Yes Yes 25/50/25 25/50/25 25/50/25South Carolina Yes Yes Yes 25/50/25 25/50/25 25/50/25South Dakota Yes Yes Yes 25/50/25 25/50/25 25/50/25Tennessee Yes Yes Yes 25/50/15 25/50/15 25/50/15Texas No No No 30/60/25 30/60/25 30/60/25Utah Yes Yes Yes 25/65/15 25/65/15 25/65/15Vermont Yes Yes Yes 25/50/10 25/50/10 25/50/10Virginia No No No 25/50/20 25/50/20 25/50/20Washington Yes Yes Yes 25/50/10 25/50/10 25/50/10West Virginia* Yes Yes Yes 25/50/25 20/40/10 20/40/10Wisconsin Yes Yes Yes 25/50/10 25/50/10 25/50/10Wyoming Yes Yes Yes 25/50/20 25/50/20 25/50/20* See Narrative


Table 41

State Laws

Compulsory Liability Insurance Liability Limits

Liability Insurance Laws, 2014-2016




STATE 2016 2015 2014 2016 2015 2014Alabama No No No Yes* Yes* Yes*Alaska No No No Yes* Yes* Yes*Arizona No No No No No NoArkansas Yes* Yes* Yes* Yes* Yes* Yes*California No No No Yes* Yes* Yes*Colorado No No No Yes* Yes* Yes*Connecticut No No No Yes Yes YesDelaware Yes Yes Yes No No NoDistrict of Columbia No No No Yes Yes YesFlorida Yes Yes Yes Yes* Yes* Yes*Georgia No No No Yes Yes YesHawaii Yes Yes Yes Yes* Yes* Yes*Idaho No No No Yes Yes YesIllinois No No No Yes Yes YesIndiana No No No No No NoIowa No No No Yes* Yes* Yes*Kansas Yes Yes Yes Yes Yes YesKentucky Yes Yes Yes Yes* Yes* Yes*Louisiana No No No Yes* Yes* Yes*Maine No No No Yes Yes YesMaryland Yes Yes Yes Yes Yes YesMassachusetts Yes Yes Yes Yes Yes YesMichigan Yes Yes Yes No No NoMinnesota Yes Yes Yes Yes Yes YesMississippi No No No No No NoMissouri No No No Yes Yes YesMontana No No No Yes* Yes* Yes*Nebraska No No No Yes Yes YesNevada No No No Yes* Yes* Yes*New Hampshire No No No No No NoNew Jersey Yes Yes Yes Yes Yes YesNew Mexico No No No Yes Yes YesNew York Yes Yes Yes Yes Yes YesNorth Carolina No No No Yes Yes YesNorth Dakota Yes Yes Yes Yes Yes YesOhio No No No No No NoOklahoma No No No No No NoOregon Yes Yes Yes Yes Yes YesPennsylvania Yes Yes No No No NoRhode Island No No No Yes Yes YesSouth Carolina No No No Yes Yes YesSouth Dakota No No No Yes Yes YesTennessee No No No Yes* Yes* Yes*Texas Yes* Yes* Yes* Yes* Yes* Yes*Utah Yes Yes Yes Yes* Yes* Yes*Vermont No No No Yes Yes YesVirginia No No No Yes Yes YesWashington Yes* Yes* Yes* Yes* Yes* Yes*West Virginia No No No Yes Yes YesWisconsin No No No Yes Yes YesWyoming No No No Yes* Yes* Yes** Must be provided unless rejected in writing by the insured. Source: State Insurance Departments

Refer to narrative for more information.

Table 42

State Laws

Compulsory Personal Injury Protection Compulsory Uninsured Motorist Liability

Personal Injury Protection and Uninsured Motorist Laws, 2014-2016




STATE Mandatory Law Enforcement Maximum Fine

Alabama 7/1/1992 Primary $25 fine; front seat only

Alaska 9/12/1990 Primary $15 fine; all seats; over age 16; all children under 16, $50 fine

Arizona 1/1/1991 Secondary $10 fine; front seat only

Arkansas 7/15/1991 Primary $25 fine; all seats

California 1/1/1986 Primary $20 fine; all seats

Colorado 8/1/2010 Primary and Secondary

Children younger than 1 year and less than 20 pounds must be in a rear-facing infant seat; children 1 through 3 years and 20-40 pounds must be in a child safety seat; children 4 through 7

years must be in a booster seat. For children under 16 years, primary enforcement laws apply and the fine for not buckling up or properly restraining a child is $82.

Connecticut 1/1/1986 Primary $92 for >18 ($50 fine + $7 fee + $35 surcharge); front seat only; $120 for <18 ($75 fine + $10 fee

+ $35 surcharge); 16 and 17 yr old drivers require all to wear a seat belt

Delaware 1/1/1992 Primary $25 fine; all seats

District of Columbia 12/12/1985 Primary $50 fine; all seats

Florida 7/1/1986 Primary $30 fine; front seat only**

Georgia 9/1/1990 Primary $15 fine; front seat only

Hawaii 12/16/1985 Primary $45/violation +$10 neurotrauma special fund surcharge +$10 trauma system special fund

surchargeIdaho 7/1/1986 Secondary $10 fine; all seats

Illinois 7/1/1986 Primary $25 fine; front and rear seat passenger required

Indiana 7/1/1987 Primary $25 fine; all occupantsIowa 7/1/1987 Primary $50.00 for front seat violations and $100.00 for under age 18 rear seat/child restraint violations

Kansas 7/1/2010 Primary $10 fine; all occupants

Kentucky 7/15/1994 Primary $25 fine; all seats; $50 for failure to use proper child restraints

Louisiana 7/1/1986 Primary $25 first offense, $50 fine subsequent offenses; all passengers for vehicles manufactured after

1980

Maine 12/27/1996 Primary $50 for the first offense, $125 for the 2nd offense and $250 for the 3rd and subsequent offenses

Maryland 7/1/1986 Primary $50 fine

Massachusetts 2/1/1994 Secondary $25 fine; all seats. Additional fine of $25/person ages 12-16 who are not wearing seat belts.

Michigan 4/1/2000 Primary Damage mitigation up to 5% max; $25 fine;all seats

Minnesota 10/1/1986 Primary $25 fine per driver and each passenger, regardless of age

Mississippi 5/27/2006 Primary $25 fine; front seat and passenger

Missouri 9/28/1985 Secondary Damage mitigation up to 1% max; $10 fine; front seat only

Montana 10/1/1987 Primary and Secondary $20 fine; all seats

Nebraska 1/1/1993 Secondary $25 fine plus points; front seat only

Nevada 7/1/1987 Secondary $25 fine/community service; all seats; up to $1000 fine/community service or license suspension;

children under 6 (effective 10/1/07)

New Hampshire - Primary Under 18 years old; $50 fine 1st offense; $100 2nd & subsequent; effective 7/1/2005

New Jersey 1/18/2010 Primary and Secondary $46 fine

New Mexico 1/1/1986 Primary $25 fine; front seat only

New York 12/1/1984 Primary $50 fine; front seat only; $100 for children under age 16

North Carolina 10/1/1985 Primary $25 fine per person front seat; $10 per person back seat; $25 for child restraint violation

North Dakota 8/1/2005 Primary and Secondary $20 fine; front seat only

Ohio 5/6/1986 Secondary $30 fine driver; $25 fine passenger

Oklahoma 2/1/1987 Primary $20 fine; front seat only

Oregon 12/7/1990 Primary Damage mitigation up to 5% max; $90 fine; all seats ; $110 fine for failure to use child restraints

Pennsylvania 11/23/1987 Secondary $10 fine; front seat only

Rhode Island 6/18/1991 Primary $85 fine; all seats

South Carolina 7/1/1989 Primary $25.00 fine

South Dakota 1/1/1995 Primary and Secondary $20 fine; front seat only

Tennessee 4/21/1986 Secondary $50 fine; front seat only

Texas 9/1/2009 Primary Up to $250 fine; all seats; 7 years and younger who are taller than 57"; 8+ years in all seats*

(Effective September 1, 2009--SB61 (81st Tx. Leg., Reg. Sess.)

Utah 4/28/1986 Primary and Secondary $45 fine

Vermont 1/1/1994 Secondary $25/$50/$100 fine(eff 1-1-04), 1st/2nd/3rd offense, all seats

Virginia 1/1/1988 Secondary $25 fine; front seat only

Washington 6/11/1986 Primary $124 fine; all seats

West Virginia 9/1/1993 Secondary Damage mit. Up to 5% max; $25 front seat; under 18 rear seat

Wisconsin 12/1/1987 Primary $10 to $75, all seats; under the age of 4 is not less than $30 or more than $75; ages of 4-8 is not

less than $10 or more than $25.

Wyoming 6/8/1989 Secondary $25 fine; all seats

* See narrative ** Children must be in the back seat of cars; ages vary by state.

2016

Table 43

State LawsAutomobile Seat Belt Laws




Speed Limits

STATE Admin. License Suspension BAC Threshold Maximum Speed Limit

Alabama Yes 0.08 70

Alaska Yes 0.08 65

Arizona Yes 0.08 75

Arkansas Yes 0.08 70

California Yes 0.08 70

Colorado Yes 0.08 75

Connecticut Yes 0.08 65

Delaware Yes 0.08 65

District of Columbia Yes 0.08 55

Florida Yes 0.08 70

Georgia Yes 0.08 70

Hawaii Yes 0.08 60

Idaho Yes 0.08 80

Illinois Yes 0.08 70

Indiana Yes 0.08 70

Iowa Yes 0.08 70

Kansas Yes 0.08 70

Kentucky Yes 0.08 70

Louisiana Yes 0.08 70

Maine Yes 0.08 75

Maryland Yes 0.08 70

Massachusetts Yes 0.08 65

Michigan No 0.08 70

Minnesota Yes 0.08 70

Mississippi Yes 0.08 70

Missouri Yes 0.08 70

Montana Yes 0.08 80

Nebraska Yes 0.08 75

Nevada Yes 0.08 75

New Hampshire Yes 0.08 70

New Jersey No 0.08 65

New Mexico Yes 0.08 75

New York No 0.08 65

North Carolina Yes 0.08 70

North Dakota Yes 0.08 75

Ohio Yes 0.08 70

Oklahoma Yes 0.08 75

Oregon Yes 0.08 70

Pennsylvania No 0.08 70

Rhode Island Yes 0.08 65

South Carolina Yes 0.08 70

South Dakota No 0.08 80

Tennessee Yes 0.08 70

Texas Yes 0.08 70

Utah Yes 0.08 75

Vermont Yes 0.08 65

Virginia Yes 0.08 70

Washington Yes 0.08 70

West Virginia Yes 0.08 70

Wisconsin Yes 0.08 70

Wyoming Yes 0.08 80

* See Narrative


Table 44

State Laws

Drunk Driving Laws and Speed Limits, 2016

Drunk Driving Laws




STATE Law Type Enforcement Law Type Enforcement Law Type EnforcementAlabama Yes Primary n/a No n/aAlaska Yes Primary n/a No n/aArizona Yes Secondary n/a No n/aArkansas Yes Primary Primary Yes- under 18 SecondaryCalifornia Yes Primary Primary Yes- under 18 SecondaryColorado Yes Primary Yes- under 18 PrimaryConnecticut Yes Primary Primary Yes- under 18 PrimaryDelaware Yes Primary Primary Yes- Novice PrimaryDistrict of Columbia Yes Primary Primary Yes- Novice PrimaryFlorida Yes Primary Primary No Georgia Yes Primary Primary No Hawaii Yes Primary Primary Yes- under 18 PrimaryIdaho Yes Primary No Illinois Yes Primary Primary Yes- under 19 PrimaryIndiana Yes Primary Yes- under 21 PrimaryIowa Yes Primary Yes- Novice PrimaryKansas Yes Primary Yes- Novice PrimaryKentucky Yes Primary Yes- under 18 PrimaryLouisiana Yes Primary Primary Yes- Novice Primary under 18Maine Yes Primary n/a Yes- under 18 PrimaryMaryland Yes Primary Primary Yes- under 18 PrimaryMassachusetts Yes Primary Yes- under 18 PrimaryMichigan Yes Primary Yes- Novice PrimaryMinnesota Yes Primary Yes- Novice PrimaryMississippi Yes Primary No Missouri Yes- under 21 Primary No Montana Yes Primary No Nebraska Yes Secondary Yes- Novice SecondaryNevada Yes Primary Primary No New Hampshire Yes Primary Primary Yes- under 18 PrimaryNew Jersey Yes Primary Primary Yes- Novice PrimaryNew Mexico Yes Primary Primary Yes PrimaryNew York Yes Primary Primary No North Carolina Yes Primary Yes- under 18 PrimaryNorth Dakota Yes Primary Yes- under 18 PrimaryOhio Yes Secondary Yes- under 18 PrimaryOklahoma Yes Primary Primary No Oregon Yes Primary Primary Yes- under 18 PrimaryPennsylvania Yes Primary No Rhode Island Yes Primary Primary Yes PrimarySouth Carolina Yes Primary No South Dakota Yes Secondary Yes- Novice SecondaryTennessee Yes Primary Yes- Novice PrimaryTexas Yes Primary Yes- under 18 PrimaryUtah Yes Primary Yes- under 18 PrimaryVermont Yes Primary Primary Yes- under 18 PrimaryVirginia Yes Primary Primary Yes- under 18 PrimaryWashington Yes Primary Primary Yes- Novice PrimaryWest Virginia Yes Primary Primary Yes- under 18 PrimaryWisconsin Yes Primary n/a Yes- Novice PrimaryWyoming Yes Primary

No NoNoYesYesNoYesYesYes

Yes - Limited YesYesNoYesNoNoNoNo

Yes- Novice NoYesNoNoNoNoNoNoNoYesYesYesYesYesNoNoNoYesYesNoYesNoNoYes

In School Zones NoYesYesYesYesNoNo n/a No n/a

* See Narrative for state specific notes.

**Jurisdictions (cities/counties) below the state level may have more stringent laws.

Source: State Statutes and Governors' Highway Safety Association - as of 07/2019

Table 45

State LawsDistracted Driving Laws - Current

Text Messaging Ban? Hand-held Ban? All Cell Phone Use Banned?


n/a

n/a

n/an/an/an/a

n/an/an/an/a n/an/an/a

n/a

n/an/an/a

n/an/an/an/an/a

n/a

n/a

n/a

n/a

n/a

n/an/an/a

n/a

n/an/a




Appendix





Appendix

Land area and population data were obtained from the U.S. Bureau of the Census. Theft data were obtained from the FBI, Uniform Crime Reports (2014–2016).

Vehicle miles, roadway miles and registered vehicle miles were obtained from the Federal Highway Administration, Highway Statistics (2014–2016).






Land Area Metro Population

STATE Square Miles 2016 2015 2014 2010

Alabama 50,645 4,864,745 4,850,858 4,843,214 3,415,430

Alaska 570,641 741,504 737,979 736,705 478,402

Arizona 113,594 6,945,452 6,802,262 6,719,993 5,914,541

Arkansas 52,035 2,990,410 2,975,626 2,966,912 1,757,367

California 155,779 39,209,127 39,032,444 38,680,810 36,408,727

Colorado 103,642 5,540,921 5,440,445 5,349,648 4,341,903

Connecticut 4,842 3,578,674 3,593,862 3,591,873 3,265,742

Delaware 1,949 949,216 944,107 934,948 700,789

District of Columbia 61 686,575 672,736 659,005 601,723

Florida 53,625 20,629,982 20,268,567 19,888,741 17,689,964

Georgia 57,513 10,304,763 10,199,533 10,087,231 7,847,658

Hawaii 6,423 1,428,105 1,426,320 1,416,349 953,207

Idaho 82,643 1,682,930 1,649,324 1,633,532 1,028,136

Illinois 55,519 12,826,895 12,862,051 12,867,544 11,159,069

Indiana 35,826 6,633,344 6,610,596 6,595,233 5,078,745

Iowa 55,857 3,131,785 3,118,473 3,108,030 1,721,714

Kansas 81,759 2,911,263 2,905,789 2,899,360 1,949,129

Kentucky 39,486 4,438,229 4,422,057 4,413,057 2,523,770

Louisiana 43,204 4,678,215 4,671,211 4,647,880 3,380,738

Maine 30,843 1,331,370 1,327,787 1,330,719 775,723

Maryland 9,707 6,004,692 6,000,561 5,967,295 5,463,187

Massachusetts 7,800 6,826,022 6,794,002 6,749,911 6,520,922

Michigan 56,539 9,951,890 9,918,170 9,915,767 8,033,066

Minnesota 79,627 5,523,409 5,483,238 5,453,109 3,971,551

Mississippi 46,923 2,988,298 2,985,297 2,992,400 1,331,025

Missouri 68,742 6,087,203 6,072,640 6,060,930 4,463,547

Montana 145,546 1,040,863 1,028,317 1,022,867 348,676

Nebraska 76,824 1,905,924 1,893,564 1,881,145 1,071,368

Nevada 109,781 2,919,772 2,883,057 2,833,013 2,431,960

New Hampshire 8,953 1,342,373 1,330,134 1,328,743 819,087

New Jersey 7,354 8,874,516 8,960,001 8,925,001 8,791,894

New Mexico 121,298 2,092,789 2,082,264 2,083,024 1,370,524

New York 47,126 19,641,589 19,819,347 19,718,515 17,814,883

North Carolina 48,618 10,156,679 10,041,769 9,934,399 6,704,358

North Dakota 69,001 754,353 754,859 739,904 325,418

Ohio 40,861 11,635,003 11,606,027 11,594,408 9,299,425

Oklahoma 68,595 3,926,769 3,904,353 3,877,499 2,407,338

Oregon 95,988 4,091,404 4,016,537 3,968,371 2,978,551

Pennsylvania 44,743 12,783,538 12,791,124 12,790,565 10,685,735

Rhode Island 1,034 1,057,063 1,055,916 1,054,480 1,052,567

South Carolina 30,061 4,958,235 4,892,423 4,828,430 3,536,094

South Dakota 75,811 862,890 854,036 852,561 369,042

Tennessee 41,235 6,645,011 6,590,726 6,544,663 4,659,762

Texas 261,232 27,937,492 27,454,880 26,944,751 22,085,169

Utah 82,170 3,042,613 2,984,917 2,941,836 2,448,962

Vermont 9,217 623,644 624,455 626,984 211,261

Virginia 39,490 8,410,946 8,366,767 8,317,372 6,887,509

Washington 66,456 7,294,680 7,152,818 7,054,196 5,900,385

West Virginia 24,038 1,830,929 1,839,767 1,848,514 1,032,750

Wisconsin 54,158 5,772,958 5,759,744 5,758,377 4,142,082

Wyoming 97,093 584,290 586,102 583,642 167,188

Countrywide 3,531,907 323,071,342 321,039,839 318,563,456 258,317,763


Appendix 1A

Population, Traffic and Vehicle Data, 2014-2016

Land Area and Population

Population




STATE 2016 2015 2014 2016 2015 2014

Alabama 5,358,598 5,285,305 5,251,076 11,723 10,141 10,141

Alaska 762,665 783,169 768,343 3,057 2,046 1,739

Arizona 5,620,308 5,469,509 5,407,097 18,421 16,785 17,587

Arkansas 2,717,300 2,680,410 2,685,739 7,155 5,772 5,601

California 29,378,927 28,595,129 27,872,875 176,756 170,993 151,852

Colorado 4,925,749 4,813,966 4,632,430 19,611 16,000 12,574

Connecticut 2,755,311 2,755,233 2,777,128 7,107 6,338 6,110

Delaware 975,682 936,137 927,276 1,520 1,181 1,267

District of Columbia 332,664 318,515 329,881 2,973 3,264 3,783

Florida 16,017,669 15,532,254 14,946,691 43,135 40,661 42,579

Georgia 8,037,388 7,937,211 7,955,532 26,801 26,482 26,854

Hawaii 1,200,582 1,208,515 1,350,438 5,654 5,779 3,879

Idaho 1,776,306 1,788,384 1,696,496 2,077 1,871 1,661

Illinois 9,962,375 10,249,044 10,042,205 19,910 17,652 17,451

Indiana 5,916,927 5,821,744 5,789,940 14,731 13,519 13,861

Iowa 3,483,856 3,447,049 3,409,279 4,983 4,342 4,151

Kansas 2,553,489 2,538,531 2,445,861 6,937 6,957 6,906

Kentucky 4,118,140 4,040,964 4,037,625 9,886 7,782 6,318

Louisiana 3,791,363 3,787,356 3,772,692 10,339 9,741 9,891

Maine 1,055,300 1,049,337 1,143,038 775 814 799

Maryland 4,054,937 4,008,847 3,926,807 11,834 13,151 13,102

Massachusetts 4,901,730 4,901,772 4,869,170 8,058 8,069 8,260

Michigan 8,076,244 8,036,643 7,867,924 20,176 15,764 21,157

Minnesota 5,128,940 5,032,709 4,985,782 8,728 7,981 8,367

Mississippi 2,038,983 2,040,524 2,039,332 4,324 4,243 4,519

Missouri 5,530,945 5,406,274 5,179,102 18,295 16,999 16,357

Montana 1,504,437 1,447,797 1,401,936 2,743 2,418 2,043

Nebraska 1,896,406 1,925,361 1,895,110 4,725 4,001 4,455

Nevada 2,324,097 2,241,530 2,168,617 13,180 11,351 10,185

New Hampshire 1,244,464 1,222,146 1,234,098 871 891 857

New Jersey 5,789,896 5,786,113 6,724,137 11,328 11,778 11,705

New Mexico 1,762,084 1,760,197 1,866,108 11,743 8,526 6,290

New York 10,729,621 10,283,907 10,557,410 14,392 15,313 15,736

North Carolina 8,075,025 7,740,051 7,682,387 15,306 13,435 13,630

North Dakota 855,954 851,795 833,484 1,964 1,583 1,514

Ohio 10,277,943 10,152,367 10,048,588 19,667 17,229 18,015

Oklahoma 3,601,468 2,859,419 3,388,401 12,155 10,450 10,583

Oregon 3,675,468 3,479,174 3,329,712 13,193 10,547 9,549

Pennsylvania 10,355,785 10,205,304 10,108,442 13,047 12,134 13,040

Rhode Island 845,091 843,346 832,892 1,596 1,389 1,833

South Carolina 4,206,318 4,046,410 3,902,945 13,920 12,970 12,902

South Dakota 1,131,617 986,370 943,245 1,502 1,188 1,007

Tennessee 5,541,962 5,445,863 5,330,937 15,119 12,870 12,599

Texas 21,391,247 21,477,692 20,431,631 69,056 67,485 68,546

Utah 2,234,659 2,150,360 2,076,482 9,388 8,707 7,298

Vermont 584,974 624,296 582,331 282 178 244

Virginia 7,109,261 7,046,065 6,964,867 9,788 8,111 7,665

Washington 6,811,554 6,489,082 6,175,660 32,286 26,867 30,647

West Virginia 1,643,735 1,554,579 1,495,914 2,509 2,239 1,896

Wisconsin 5,229,070 5,141,549 5,059,004 9,958 10,985 9,919

Wyoming 825,189 783,979 789,124 800 592 603

Countrywide 260,119,703 255,009,283 251,933,221 765,484 707,564 689,527

Sources: Federal Highway Administration and Federal Bureau of Investigation.

Appendix 1B

Population,Traffic and Vehicle Data, 2014-2016

Registered Vehicles Motor Vehicle Thefts

Vehicles and Vehicle Thefts




STATE 2016 2015 2014 2016 2015 2014Alabama 69,227 67,257 65,667 101,975 102,019 102,018Alaska 5,259 5,045 4,857 15,528 16,129 15,728Arizona 65,786 65,045 62,631 66,035 66,122 65,593Arkansas 35,755 34,897 34,024 102,616 102,609 102,595California 340,115 335,539 332,857 180,800 195,834 225,531Colorado 52,152 50,437 48,985 88,828 88,740 88,740Connecticut 31,639 31,592 31,190 21,531 21,512 21,508Delaware 10,178 9,931 9,596 6,427 6,416 6,407District of Columbia 3,622 3,557 3,528 1,509 1,507 1,503Florida 215,551 206,982 201,040 122,736 122,659 122,391Georgia 122,802 118,107 111,535 128,235 128,134 127,492Hawaii 10,635 10,301 10,174 4,469 4,455 4,439Idaho 17,199 16,662 16,154 51,342 51,163 48,902Illinois 107,314 105,223 104,906 145,892 145,840 145,761Indiana 83,183 78,819 79,204 96,616 96,571 96,698Iowa 33,337 33,161 31,414 114,741 114,442 114,173Kansas 32,103 31,379 30,710 142,047 140,654 140,476Kentucky 49,313 48,675 47,941 79,942 79,857 79,727Louisiana 49,156 48,180 48,252 61,411 61,419 61,419Maine 14,838 14,629 14,301 22,898 22,911 22,916Maryland 59,137 57,516 56,432 32,147 32,037 31,984Massachusetts 61,825 59,257 57,552 36,632 36,423 36,384Michigan 99,433 97,843 97,384 122,115 122,286 122,284Minnesota 59,029 57,395 57,395 138,794 138,767 138,767Mississippi 40,755 39,890 39,499 77,027 76,777 75,792Missouri 74,019 71,918 70,909 131,807 131,549 131,564Montana 12,599 12,345 12,157 73,610 75,007 74,983Nebraska 20,700 20,101 19,613 94,988 94,481 93,868Nevada 26,788 25,925 25,302 42,582 43,900 42,815New Hampshire 13,513 13,094 12,970 16,157 16,138 16,132New Jersey 77,093 75,393 74,856 39,071 39,065 39,041New Mexico 27,886 27,435 25,347 69,111 69,069 68,452New York 122,930 127,230 129,263 113,499 114,365 114,807North Carolina 116,749 111,879 108,012 106,522 106,334 106,305North Dakota 9,739 10,036 10,511 87,397 87,128 87,088Ohio 118,608 113,673 112,766 122,974 122,926 122,885Oklahoma 49,013 47,713 47,699 112,988 112,711 112,673Oregon 36,719 35,999 34,610 73,529 73,544 73,479Pennsylvania 101,362 100,945 99,882 120,446 120,091 120,039Rhode Island 7,927 7,833 7,677 6,052 6,046 6,027South Carolina 54,553 51,726 49,931 76,067 76,250 76,301South Dakota 9,507 9,324 9,225 82,557 82,576 82,576Tennessee 76,884 76,670 72,336 95,737 95,637 95,561Texas 271,263 258,122 243,076 313,656 313,596 313,596Utah 31,449 29,604 27,554 46,769 46,299 46,153Vermont 7,382 7,314 7,059 14,253 14,252 14,238Virginia 84,463 82,625 80,985 75,096 75,061 74,901Washington 61,018 59,653 58,060 80,392 80,338 81,417West Virginia 19,539 19,827 19,117 38,770 38,770 38,760Wisconsin 64,046 62,073 60,053 115,458 115,372 115,212Wyoming 9,323 9,597 9,457 28,326 28,942 28,972Countrywide 3,174,408 3,095,373 3,025,656 4,140,108 4,154,727 4,177,073Source: Federal Highway Administration

Appendix 1C

Population,Traffic and Vehicle Data, 2014-2016

Vehicle Miles (in Millions) Miles of Roadway

Vehicle and Roadway Miles



Documents

Auto Insurance Database Report 2016/20172016/2017 AUTO INSURANCE DATABASE TABLE OF CONTENTS PERSONAL INJURY PROTECTION 95 Table 15. Personal Injury Protection - Voluntary Business,