auto insurance database report 2015/2016coverage. auto insurance coverages included are bodily...

Auto Insurance Database Report

2015/2016

2018

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The NAIC is the authoritative source for insurance industry information. Our expert solutions support the efforts of regulators, insurers and researchers by providing detailed and comprehensive insurance information. The NAIC offers a wide range of publications in the following categories: Accounting & Reporting Information about statutory accounting principles and the procedures necessary for filing financial annual statements and conducting risk-based capital calculations.

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2015/2016 AUTO INSURANCE DATABASE

TABLE OF CONTENTS

INTRODUCTION 1 Introduction ................................................................................................................................................................. 1 Terms and Calculations ............................................................................................................................................... 2 AVERAGE PREMIUMS AND EXPENDITURES 5 Table 1. Liability, 2012–2016 ..................................................................................................................... 17 Table 2. Collision, 2012–2016 .................................................................................................................... 20 Table 3. Comprehensive, 2012–2016 .......................................................................................................... 23 Table 4. Average Expenditure, 2012–2016 ................................................................................................. 26 Table 5. Combined Average Premium, 2012–2016 .................................................................................... 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, 2013–2015 ............................................................ 39 Table 7. Bodily Injury Liability - Residual Business, 2013–2015 .............................................................. 43 Table 8. Bodily Injury Liability - Total Business, 2013–2015 .................................................................... 47 PROPERTY DAMAGE LIABILITY 51 Table 9. Property Damage Liability - Voluntary Business, 2013–2015 ..................................................... 55 Table 10. Property Damage Liability - Residual Business, 2013–2015 ........................................................ 59 Table 11. Property Damage Liability - Total Business, 2013–2015 ............................................................. 63 COMBINED SINGLE LIMITS LIABILITY 67 Table 12. Combined Single Limits Liability - Voluntary Business, 2013–2015 .......................................... 71 Table 13. Combined Single Limits Liability - Residual Business, 2013–2015 ............................................. 79 Table 14. Combined Single Limits Liability - Total Business, 2013–2015 .................................................. 87

© 2018 National Association of Insurance Commissioners


TABLE OF CONTENTS

PERSONAL INJURY PROTECTION 95

Table 15. Personal Injury Protection - Voluntary Business, 2013–2015 ...................................................... 99

Table 16. Personal Injury Protection - Residual Business, 2013–2015 ....................................................... 103

Table 17. Personal Injury Protection - Total Business, 2013–2015 ............................................................ 107

MEDICAL PAYMENTS 111

Table 18. Medical Payments - Voluntary Business, 2013–2015 ................................................................. 115

Table 19. Medical Payments - Residual Business, 2013–2015 ................................................................... 119

Table 20. Medical Payments - Total Business, 2013–2015 ........................................................................ 123

UNINSURED/UNDERINSURED MOTORIST 127

Table 21. Uninsured/Underinsured Motorist - Voluntary Business, 2013–2015 ........................................ 131

Table 22. Uninsured/Underinsured Motorist - Residual Business, 2013–2015 .......................................... 139

Table 23. Uninsured/Underinsured Motorist - Total Business, 2013–2015 ................................................ 147

TOTAL LIABILITY 155

Table 24. Total Liability - Voluntary Business, 2013–2015 ....................................................................... 159

Table 25. Total Liability - Residual Business, 2013–2015 ......................................................................... 162

Table 26. Total Liability - Total Business, 2013–2015 ............................................................................... 165

COLLISION 169

Table 27. Collision - Voluntary Business, 2013–2015 ............................................................................... 173

Table 28. Collision - Residual Business, 2013–2015 .................................................................................. 177

Table 29. Collision - Total Business, 2013–2015 ....................................................................................... 181

COMPREHENSIVE 185

Table 30. Comprehensive - Voluntary Business, 2013–2015 ..................................................................... 189

Table 31. Comprehensive - Residual Business, 2013–2015 ....................................................................... 193

Table 32. Comprehensive - Total Business, 2013–2015 ............................................................................. 197



TABLE OF CONTENTS

TRAFFIC CONDITIONS 201 Table 33. Fatal Accident Rates, 2013–2015 ............................................................................................... 205 Table 34. Traffic Density, 2013–2015 ........................................................................................................ 206 CRIME 207 Table 35. Vehicle Thefts, 2013–2015 ......................................................................................................... 210 ECONOMIC / DEMOGRAPHIC DATA 211 Table 36. Population Densities, 2013–2015 ................................................................................................ 215 Table 37. Disposable Income, 2013–2015 .................................................................................................. 216 STATE LAWS 217 Table 38. Rate Filing Laws, 2013–2015 and Current ................................................................................. 234 Table 39. Form Filing Laws, 2013–2015 and Current ................................................................................ 236 Table 40. Tort Laws and Thresholds, 2013–2015 ....................................................................................... 238 Table 41. Liability Insurance Laws, 2013–2015 ......................................................................................... 239 Table 42. Personal Injury Protection and Uninsured Motorist Laws, 2013–2015 ...................................... 240 Table 43. Automobile Seat Belt Laws, 2015 .............................................................................................. 241 Table 44. Drunk Driving Laws and Speed Limits, 2015 ............................................................................. 242 Table 45. Distracted Driving Laws, Current ............................................................................................... 243 APPENDIX 245 Appendix 1A. Land Area and Population ........................................................................................................... 249 Appendix 1B. Vehicles and Vehicle Thefts ....................................................................................................... 250 Appendix 1C. Vehicle and Roadway Miles ....................................................................................................... 251


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 2012-2016 for the combined voluntary and residual market. Earned and incurred data for calendar/accident years 2013-2015 are also reported, separately, for voluntaryand 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, claimfrequency, and claim severity are calculated bycoverage. 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 greatlyappreciated. 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.

© 2018 National Association of Insurance Commissioners 1

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Terms and Calculations

Below are definitions of terms and calculations used in this report. Formulas will vary depending on theapplication, 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 giventime period.

Calendar Year: Earned premiums and loss transactions occurring with the calendar yearbeginning Jan. 1, irrespective of the contractualdates 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 earnedpremium 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 amountof exposure (risk) corresponding to the coverageprovided during a given time period.

Incurred Claims: The total number of claimsassociated with insured events/situations occurringduring a given time period.

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

Voluntary Market: Consists of insurance consumers that insurers select to be provided coverage, using underwriting guidelines that are notunfairly discriminatory. The voluntary market is alsocalled 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. Additionaldamage from the accident is discovered five months later, costing an additional $1,281, which the insurerpays 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 accidentoccurs in 2008, so all associated losses are includedin accident year 2008 incurred losses, regardless ofwhen 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 PremiumsLiability 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


2012–2016 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 2012–2016. 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 liabilitywritten car-years1 (exposures). This assumes that allinsured vehicles carry liability coverage but do notnecessarily 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 2016, the countrywide average expenditure was $936 an increase of 5.26% over the previous year. Themedian state average expenditure was $839.

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 policyin the state that contains all three coverages (i.e., liability, comprehensive, and collision). Thecountrywide combined average premium increased5.24% in 2016, to $1,062 over the prior year. Themedian state combined average premium was $964.

Aggregate written premiums and aggregate writtenexposures are used in calculations with no distinction as to policyholder classifications, vehicle characteristics, or the selection of specific limits ordeductibles, all of which significantly impact thecost of coverage. Nor do the results considerdifferences in state auto and tort laws, rate filinglaws, traffic conditions, or other demographics.

CAUTION: Because of these differences, directcomparisons between state results should be treated with a high degree of caution.

Tables 1A–1C show the states’ 2012–2016 writtenpremiums, 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 inTable 5.


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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.


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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


0.310.66

0.340.98

1.710.57

1.472.36

1.551.69

0.922.31

0.290.33

0.720.82

0.220.61

0.781.63

1.800.64

0.800.41

0.550.52

0.161.05

0.120.21

0.811.93

0.400.59

1.110.92

0.420.49

0.841.30

0.680.11

0.800.82

0.641.10

0.510.74

0.540.51

0.33

AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJ

NMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY

Source: Federal Highway Administration, 2015 Highway Statistics

Millions of Miles Driven per Mile of Roadway 2015


51,30434,53835,22235,631

46,72045,338

57,18362,404

41,60240,334

36,34143,503

40,87534,994

44,03237,423

42,11334,338

38,91252,758

48,45238,31438,125

43,90637,598

31,85737,839

36,59549,812

44,36348,723

51,64234,473

38,62248,356

38,87339,740

38,53943,78344,009

34,83643,470

38,48842,019

35,25145,446

43,85247,278

40,58232,946

50,319

AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJ

NMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY

2015 Disposable Income Per Capita

Source: Bureau of Economic Analysis


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

2012 - 2016

2012 2013 2014 2015 2016 Cumulative 4-Year Change

Consumer Price Index - All Items* 1.79% 1.51% 0.68% 0.63% 2.10% 5.02%

CPI - Auto Insurance* 4.67% 3.35% 4.74% 5.76% 7.07% 22.57%

CPI - Total Medical Care* 3.22% 2.00% 2.96% 2.61% 4.02% 12.08%

CPI - Auto Maintenance and Repair* 1.27% 1.64% 2.09% 1.68% 1.79% 7.40%

CPI - Legal Service Fees* 1.85% 2.70% 1.43% 2.85% 4.12% 11.55%

CPI - New Vehicles* 1.51% 0.40% 0.59% 0.20% 0.39% 1.59%

CPI - Used Vehicles* -1.85% 2.08% -4.15% 0.96% -4.02% -5.18%

Average Expenditure** 2.19% 3.22% 3.19% 2.74% 5.26% 15.18%

Combined Average Premium** 1.76% 2.86% 3.24% 2.81% 5.24% 14.90%

Average Liability Premium** 2.29% 2.90% 2.34% 1.64% 5.16% 12.56%

Average Collision Premium** 1.15% 2.57% 4.42% 4.64% 6.13% 18.94%

Average Comprehensive Premium** 1.14% 3.35% 4.12% 3.20% 3.57% 15.02%

* 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 2012 and 2016, the national average expenditure for automobile insurance increased by 15.18%, while the CPI for all goods increased by 5.02%. Over the same period, the automobile insurance component of the CPI increased by 22.57%. 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.


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The national combined average premium increased by 14.90%, and average liability premiums increased by 12.56% over the 2012–2016 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

2 See State Laws, Page 217.

average, are spending for insurance, but it does not 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.


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2012-2016 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 2016—the most up-to-date information reported as of year-end 2017. 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


2012-2016 State Average Expenditures and Combined Average Premiums for Personal Automobile Insurance

Additional State Information

California The 2015 and 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. 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 2012-2016.

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.

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.


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2015/2016 Auto Insurance Database Report

STATE 2016 2015 2014 2013 2012Alabama 1,601,521,099 1,447,884,076 1,380,131,175 1,330,061,110 1,226,396,160Alaska 264,539,388 266,461,531 266,059,836 262,821,952 258,546,568Arizona 2,503,153,676 2,288,905,809 2,174,802,943 2,049,099,611 1,944,550,017Arkansas 886,388,406 834,854,954 804,143,162 782,101,967 759,956,897California 13,989,189,313 12,769,742,194 12,215,734,271 11,448,831,300 10,827,361,669Colorado 2,388,922,253 2,129,458,922 1,959,089,736 1,807,239,003 1,701,669,942Connecticut 1,719,319,960 1,632,168,809 1,593,902,413 1,561,300,933 1,527,303,280Delaware 542,162,850 523,292,419 507,462,718 490,529,761 470,603,441District of Columbia 173,748,775 158,652,806 152,500,866 149,756,983 147,089,310Florida 12,225,988,916 11,222,436,596 10,538,980,567 10,444,477,609 10,200,909,652Georgia 4,623,402,325 4,100,980,009 3,729,772,878 3,408,274,188 3,126,173,452Hawaii 414,301,964 404,088,814 397,014,679 387,643,144 377,635,313Idaho 422,371,048 384,937,527 364,836,383 350,204,743 336,583,138Illinois 3,678,611,477 3,447,372,562 3,308,124,534 3,218,302,704 3,169,452,766Indiana 1,942,250,065 1,810,858,201 1,725,504,853 1,668,074,029 1,634,375,252Iowa 780,319,126 740,415,227 713,169,346 692,534,998 681,778,100Kansas 852,964,142 814,855,394 788,635,463 759,165,120 737,738,281Kentucky 1,792,783,248 1,701,995,363 1,650,777,391 1,631,501,524 1,582,949,067Louisiana 2,514,326,644 2,258,055,040 2,115,956,383 2,006,573,568 1,895,293,114Maine 355,248,325 333,707,545 327,808,760 322,982,355 320,091,427Maryland 2,727,243,415 2,529,125,815 2,468,849,516 2,388,048,200 2,354,810,137Massachusetts 2,718,107,083 2,597,533,469 2,529,833,825 2,461,684,828 2,388,075,018Michigan 4,947,500,274 4,774,333,019 4,712,667,279 4,388,073,242 3,816,304,044Minnesota 1,901,033,691 1,807,773,272 1,752,816,380 1,697,492,828 1,632,319,490Mississippi 925,867,640 882,649,214 851,909,705 815,747,605 780,312,306Missouri 1,905,664,733 1,753,876,753 1,674,518,430 1,631,524,690 1,592,086,097Montana 322,973,968 307,881,455 302,834,141 295,073,771 285,110,969Nebraska 605,214,251 565,977,140 532,143,606 516,536,650 503,088,997Nevada 1,388,952,369 1,267,219,866 1,199,842,686 1,135,615,337 1,064,358,691New Hampshire 386,999,233 371,999,425 361,948,611 352,638,681 344,856,347New Jersey 5,027,806,551 4,815,092,330 4,798,431,265 4,747,332,788 4,591,740,412New Mexico 759,643,739 731,025,453 707,181,997 677,098,402 650,280,775New York 8,016,568,856 7,638,118,001 7,464,157,651 7,319,283,465 7,196,063,115North Carolina 2,838,060,668 2,711,996,317 2,650,066,551 2,592,790,302 2,571,316,573North Dakota 188,900,502 188,967,001 184,030,669 172,313,254 161,049,181Ohio 3,426,378,038 3,279,919,838 3,172,651,893 3,003,808,659 2,901,616,498Oklahoma 1,289,007,614 1,239,290,707 1,204,471,755 1,161,895,143 1,109,602,626Oregon 1,769,069,587 1,597,292,964 1,542,884,477 1,475,784,586 1,387,341,100Pennsylvania 4,480,155,752 4,313,364,854 4,273,531,773 4,240,069,562 4,193,681,018Rhode Island 563,440,856 523,375,244 497,922,434 480,628,253 466,943,542South Carolina 2,142,440,034 1,946,731,435 1,805,763,241 1,723,322,152 1,643,860,833South Dakota 214,578,229 206,734,564 197,192,348 188,268,326 178,005,934Tennessee 2,037,886,478 1,938,558,333 1,850,135,474 1,775,766,272 1,692,410,988Texas 10,564,664,058 9,557,250,401 8,966,186,327 8,420,801,084 7,922,393,454Utah 963,092,668 888,227,154 833,266,911 790,273,075 765,236,441Vermont 169,591,779 165,050,418 162,072,612 160,033,008 156,657,555Virginia 2,826,252,365 2,638,469,428 2,646,421,941 2,554,775,102 2,448,078,676Washington 3,038,303,758 2,818,944,895 2,664,145,604 2,545,125,751 2,419,180,876West Virginia 661,341,004 653,231,411 657,767,646 662,737,140 650,604,410Wisconsin 1,577,671,154 1,495,326,931 1,439,510,040 1,388,239,897 1,338,664,614Wyoming 151,865,120 149,550,333 148,344,869 142,528,455 140,245,551Countrywide 124,207,788,467 115,626,011,238 110,967,910,014 106,676,787,110 102,272,753,114

Table 1A

Average Premiums and Expenditures 2012-2016Liability Written Premiums



STATE 2016 2015 2014 2013 2012Alabama 3,777,380 3,672,842 3,613,059 3,571,246 3,407,747Alaska 503,552 493,738 483,223 473,517 474,697Arizona 4,638,190 4,498,375 4,288,028 4,175,158 4,108,514Arkansas 2,145,338 2,118,239 2,048,985 2,053,947 2,048,314California 26,860,298 26,079,028 25,517,782 24,697,876 24,418,452Colorado 4,190,329 4,094,451 3,912,559 3,815,300 3,784,407Connecticut 2,534,320 2,507,390 2,479,040 2,456,355 2,437,949Delaware 677,537 654,685 638,040 626,232 620,002District of Columbia 257,485 252,302 242,553 235,951 235,593Florida 13,534,810 13,085,090 12,586,278 12,137,257 11,911,583Georgia 7,549,506 7,357,540 7,219,426 7,021,594 6,874,323Hawaii 901,096 883,405 865,284 848,075 832,811Idaho 1,178,329 1,118,078 1,048,017 1,031,545 1,032,462Illinois 7,860,447 7,717,155 7,608,307 7,573,970 7,508,448Indiana 4,865,978 4,728,452 4,641,919 4,595,194 4,344,045Iowa 2,501,139 2,474,781 2,417,806 2,377,893 2,347,242Kansas 2,326,230 2,274,596 2,226,249 2,218,019 2,237,808Kentucky 3,266,113 3,216,104 3,154,823 3,123,452 3,065,328Louisiana 3,010,156 2,910,517 2,820,409 2,771,782 2,714,490Maine 1,000,843 984,774 973,589 967,910 963,942Maryland 4,218,239 4,148,113 4,065,851 4,005,564 3,962,446Massachusetts 4,362,828 4,286,059 4,225,508 4,176,713 4,126,297Michigan 6,091,764 6,003,055 5,807,837 5,910,794 5,774,143Minnesota 4,072,924 3,957,288 3,866,912 3,842,176 3,808,218Mississippi 1,962,830 1,916,704 1,899,043 1,875,791 1,837,865Missouri 4,285,732 4,217,314 4,117,671 4,088,246 4,081,846Montana 832,064 796,928 771,485 759,447 742,933Nebraska 1,585,154 1,552,141 1,506,379 1,486,269 1,478,244Nevada 1,947,643 1,850,362 1,782,707 1,751,990 1,717,507New Hampshire 942,501 928,694 915,139 899,762 882,623New Jersey 5,568,059 5,537,501 5,442,973 5,380,187 5,335,597New Mexico 1,533,603 1,498,167 1,459,237 1,457,659 1,474,205New York 9,543,510 9,494,123 9,342,579 9,251,571 9,231,573North Carolina 7,659,352 7,545,505 7,390,919 7,299,776 7,209,963North Dakota 636,972 633,742 622,003 604,352 590,552Ohio 8,404,674 8,259,111 8,158,287 8,020,197 7,994,021Oklahoma 2,707,429 2,680,186 2,625,723 2,617,592 2,592,014Oregon 2,843,534 2,734,480 2,636,226 2,621,523 2,629,345Pennsylvania 8,692,990 8,642,698 8,595,365 8,526,461 8,468,280Rhode Island 713,099 688,826 672,971 668,025 664,671South Carolina 3,748,001 3,693,358 3,540,446 3,474,726 3,387,334South Dakota 690,368 688,602 663,089 650,575 633,377Tennessee 4,812,339 4,685,361 4,514,842 4,432,326 4,368,611Texas 18,367,794 18,075,180 17,367,514 16,954,242 16,602,575Utah 1,838,915 1,785,266 1,711,482 1,697,248 1,684,252Vermont 491,838 481,029 474,457 465,418 460,019Virginia 6,335,451 6,199,604 6,184,064 6,143,394 6,097,367Washington 4,890,448 4,724,451 4,515,708 4,469,699 4,421,710West Virginia 1,339,499 1,328,161 1,301,489 1,308,211 1,293,309Wisconsin 4,092,475 3,994,293 3,922,403 3,915,274 3,860,720Wyoming 461,506 465,826 442,047 440,927 443,078Countrywide 219,252,611 214,613,670 209,327,732 205,968,408 203,222,852

Table 1B

Average Premiums and Expenditures 2012-2016Liability Written Exposures



STATE 2016 2015 2014 2013 2012Alabama 423.98 394.21 381.98 372.44 359.88Alaska 525.35 539.68 550.59 555.04 544.66Arizona 539.68 508.83 507.18 490.78 473.30Arkansas 413.17 394.13 392.46 380.78 371.02California 520.81 489.66 478.71 463.56 443.41Colorado 570.10 520.08 500.72 473.68 449.65Connecticut 678.41 650.94 642.95 635.62 626.47Delaware 800.20 799.30 795.35 783.30 759.04District of Columbia 674.79 628.82 628.73 634.70 624.34Florida 903.30 857.65 837.34 860.53 856.39Georgia 612.41 557.38 516.63 485.40 454.76Hawaii 459.78 457.42 458.83 457.09 453.45Idaho 358.45 344.29 348.12 339.50 326.00Illinois 467.99 446.72 434.80 424.92 422.12Indiana 399.15 382.97 371.72 363.00 376.23Iowa 311.99 299.18 294.97 291.24 290.46Kansas 366.67 358.24 354.24 342.27 329.67Kentucky 548.90 529.21 523.26 522.34 516.40Louisiana 835.28 775.83 750.23 723.93 698.21Maine 354.95 338.87 336.70 333.69 332.07Maryland 646.54 609.71 607.22 596.18 594.28Massachusetts 623.01 606.04 598.71 589.38 578.75Michigan 812.16 795.32 811.43 742.38 660.93Minnesota 466.75 456.82 453.29 441.81 428.63Mississippi 471.70 460.50 448.60 434.88 424.58Missouri 444.65 415.88 406.67 399.08 390.04Montana 388.16 386.34 392.53 388.54 383.76Nebraska 381.80 364.64 353.26 347.54 340.33Nevada 713.15 684.85 673.05 648.19 619.71New Hampshire 410.61 400.56 395.51 391.92 390.72New Jersey 902.97 869.54 881.58 882.37 860.59New Mexico 495.33 487.95 484.62 464.51 441.11New York 840.00 804.51 798.94 791.14 779.51North Carolina 370.54 359.42 358.56 355.19 356.63North Dakota 296.56 298.18 295.87 285.12 272.71Ohio 407.68 397.13 388.89 374.53 362.97Oklahoma 476.10 462.39 458.72 443.88 428.09Oregon 622.14 584.13 585.26 562.95 527.64Pennsylvania 515.38 499.08 497.19 497.28 495.22Rhode Island 790.13 759.81 739.89 719.48 702.52South Carolina 571.62 527.09 510.04 495.96 485.30South Dakota 310.82 300.22 297.38 289.39 281.04Tennessee 423.47 413.75 409.79 400.64 387.40Texas 575.17 528.75 516.26 496.68 477.18Utah 523.73 497.53 486.87 465.62 454.35Vermont 344.81 343.12 341.60 343.85 340.55Virginia 446.10 425.59 427.94 415.86 401.50Washington 621.27 596.67 589.97 569.42 547.11West Virginia 493.72 491.83 505.40 506.60 503.05Wisconsin 385.51 374.37 367.00 354.57 346.74Wyoming 329.06 321.04 335.59 323.25 316.53Countrywide 566.51 538.76 530.12 517.93 503.25

Table 1C

Average Premiums and Expenditures 2012-2016Liability Average Premium



STATE 2016 2015 2014 2013 2012Alabama 869,222,137 798,087,997 744,105,294 704,499,674 675,812,300Alaska 116,003,875 113,448,900 110,905,696 108,893,606 107,534,247Arizona 963,194,402 882,463,987 820,732,551 762,900,219 714,521,209Arkansas 483,058,947 450,297,516 421,775,807 404,348,654 390,840,354California 8,023,475,371 7,262,241,098 6,587,507,273 6,146,877,510 5,832,541,842Colorado 920,302,130 839,759,333 759,759,487 698,708,372 674,035,990Connecticut 742,718,394 709,075,024 683,111,915 653,435,563 622,170,477Delaware 173,064,963 161,591,793 150,185,736 141,534,975 135,231,050District of Columbia 98,173,102 95,525,958 89,098,681 84,961,862 81,108,304Florida 3,419,050,083 2,995,127,980 2,640,353,779 2,354,420,520 2,204,911,023Georgia 1,791,627,886 1,661,372,534 1,551,005,077 1,467,966,923 1,431,065,165Hawaii 216,846,860 200,788,443 188,115,053 176,845,948 170,548,883Idaho 181,333,053 163,090,270 148,320,516 139,720,476 137,954,619Illinois 2,025,327,456 1,914,906,041 1,790,099,128 1,676,743,463 1,627,203,665Indiana 946,245,247 885,132,826 826,051,689 779,237,573 748,794,435Iowa 421,279,196 394,562,142 371,495,988 354,256,796 341,059,063Kansas 417,161,961 398,831,478 382,257,810 363,872,594 355,887,078Kentucky 602,339,055 556,845,888 525,254,445 503,960,063 481,731,261Louisiana 923,996,407 864,659,833 809,945,966 755,290,171 718,699,131Maine 207,491,902 191,441,203 185,852,189 176,620,432 169,264,544Maryland 1,257,577,866 1,158,173,345 1,091,979,254 1,040,034,591 999,512,643Massachusetts 1,514,798,991 1,412,592,920 1,339,163,592 1,260,526,051 1,178,720,989Michigan 1,982,048,405 1,844,406,144 1,693,409,179 1,608,896,651 1,566,215,531Minnesota 755,654,882 702,192,318 653,145,992 608,503,180 582,965,684Mississippi 458,749,337 421,156,542 395,847,206 377,383,956 358,982,192Missouri 890,091,415 824,664,449 774,249,369 750,560,719 733,169,759Montana 138,762,713 131,655,306 126,257,410 118,914,688 111,816,593Nebraska 262,334,249 245,732,574 232,495,755 219,699,717 213,044,895Nevada 442,856,383 403,694,506 374,620,362 355,571,754 349,202,222New Hampshire 267,386,520 252,002,546 235,143,556 220,265,314 205,162,059New Jersey 1,670,574,048 1,612,653,383 1,531,616,006 1,478,974,448 1,424,622,068New Mexico 267,498,244 249,426,969 234,615,743 227,962,323 226,671,081New York 2,995,869,840 2,748,420,524 2,570,923,039 2,444,064,423 2,347,371,843North Carolina 1,700,170,517 1,474,932,899 1,397,268,652 1,296,721,426 1,205,359,785North Dakota 110,979,985 107,823,712 102,700,873 94,300,008 85,424,100Ohio 1,822,784,145 1,692,435,942 1,608,137,795 1,529,550,894 1,466,550,841Oklahoma 591,536,515 564,914,933 531,134,124 499,028,841 489,372,954Oregon 500,403,403 455,951,189 421,162,814 393,664,090 381,201,059Pennsylvania 2,365,343,426 2,225,660,266 2,108,158,777 1,993,033,866 1,930,838,064Rhode Island 216,147,728 198,730,875 183,674,832 172,436,882 163,300,525South Carolina 765,010,685 689,918,724 638,751,620 599,538,781 571,146,557South Dakota 100,829,482 95,278,251 90,189,648 85,816,107 81,204,549Tennessee 1,074,555,290 1,002,300,676 940,224,635 895,940,458 845,191,435Texas 5,144,627,931 4,683,067,805 4,288,062,926 3,904,347,777 3,620,547,804Utah 386,068,879 355,874,546 329,208,444 312,203,683 302,749,144Vermont 116,430,848 111,280,990 105,299,655 98,741,633 94,686,067Virginia 1,423,028,298 1,327,495,331 1,278,547,626 1,214,494,048 1,154,547,129Washington 1,042,127,107 941,760,622 879,200,998 825,455,728 791,145,463West Virginia 300,732,483 283,905,824 283,713,489 274,892,557 266,150,303Wisconsin 753,230,417 702,526,638 661,429,984 626,353,696 590,853,420Wyoming 82,062,033 81,273,308 77,651,580 73,118,874 74,335,955Countrywide 54,942,184,492 50,541,154,301 46,963,919,015 44,056,092,558 42,032,977,353

Table 2A

Average Premiums and Expenditures 2012-2016Collision Written Premiums



STATE 2016 2015 2014 2013 2012Alabama 2,575,500 2,510,002 2,450,079 2,409,374 2,349,952Alaska 325,440 323,388 308,630 301,290 293,874Arizona 3,311,351 3,172,053 3,050,244 2,993,511 2,908,859Arkansas 1,419,377 1,399,296 1,341,631 1,339,333 1,322,428California 18,934,675 18,313,425 17,599,185 17,011,512 16,715,128Colorado 2,995,075 2,923,799 2,804,980 2,735,931 2,670,494Connecticut 1,937,278 1,924,189 1,902,643 1,882,717 1,861,485Delaware 523,010 506,917 494,264 485,264 472,731District of Columbia 205,742 206,766 193,045 188,140 185,526Florida 10,946,919 10,586,749 10,159,583 9,709,876 9,401,463Georgia 5,090,613 5,006,627 4,838,303 4,685,761 4,526,757Hawaii 661,543 642,742 624,266 605,862 589,604Idaho 788,985 744,522 703,078 688,221 670,843Illinois 6,283,409 6,182,936 6,080,290 6,031,224 5,948,469Indiana 3,581,306 3,530,467 3,441,400 3,400,476 3,187,811Iowa 1,817,339 1,795,521 1,766,937 1,726,823 1,689,580Kansas 1,545,149 1,514,584 1,482,264 1,471,069 1,457,945Kentucky 2,145,504 2,078,492 2,013,528 1,980,557 1,942,870Louisiana 2,107,785 2,086,732 2,014,576 1,986,232 1,930,938Maine 757,848 736,379 728,628 718,416 702,343Maryland 3,349,007 3,272,045 3,217,045 3,173,670 3,130,311Massachusetts 3,711,225 3,638,072 3,557,669 3,490,586 3,432,162Michigan 4,538,534 4,456,880 4,340,985 4,266,751 4,250,140Minnesota 3,084,601 2,995,687 2,931,305 2,897,252 2,842,134Mississippi 1,333,554 1,303,003 1,285,285 1,261,003 1,230,268Missouri 3,055,017 2,995,681 2,943,706 2,919,448 2,896,509Montana 513,115 496,169 475,483 465,420 452,158Nebraska 1,054,653 1,036,268 1,012,173 995,292 975,940Nevada 1,391,058 1,330,552 1,277,781 1,248,544 1,204,463New Hampshire 835,978 819,747 801,534 788,475 771,854New Jersey 4,273,267 4,223,137 4,121,594 4,064,051 3,997,612New Mexico 921,872 900,367 875,131 870,301 864,975New York 7,231,732 7,137,645 7,015,214 6,890,603 6,784,995North Carolina 5,295,588 5,023,740 5,001,851 4,929,403 4,845,110North Dakota 447,169 441,739 429,418 411,625 394,352Ohio 6,397,103 6,271,567 6,180,359 6,090,617 6,015,828Oklahoma 1,786,721 1,770,041 1,730,065 1,720,306 1,688,650Oregon 2,094,558 2,010,105 1,931,508 1,903,811 1,873,054Pennsylvania 6,829,839 6,801,287 6,681,200 6,610,606 6,515,760Rhode Island 492,517 482,926 468,096 463,359 457,275South Carolina 2,689,807 2,602,772 2,540,173 2,468,714 2,386,728South Dakota 459,958 456,801 440,741 427,800 414,650Tennessee 3,334,232 3,243,993 3,121,950 3,068,206 3,009,706Texas 12,756,496 12,505,316 11,990,883 11,654,249 11,275,527Utah 1,396,722 1,338,383 1,284,824 1,256,920 1,221,764Vermont 374,647 376,691 369,458 362,658 351,245Virginia 4,815,733 4,732,549 4,670,916 4,608,313 4,545,136Washington 3,705,456 3,543,867 3,417,707 3,389,920 3,278,407West Virginia 887,122 861,190 867,766 860,421 849,160Wisconsin 3,161,410 3,108,475 3,045,379 3,015,488 2,948,829Wyoming 288,287 291,484 283,929 280,954 278,218Countrywide 160,460,826 156,653,765 152,308,682 149,206,355 146,012,020

Table 2B

Average Premiums and Expenditures 2012-2016Collision Written Exposures




Table 2C

Average Premiums and Expenditures 2012-2016Collision Average Premium



STATE 2016 2015 2014 2013 2012Alabama 434,832,711 409,073,125 387,054,010 370,702,308 343,699,070Alaska 52,081,921 50,819,542 50,010,445 49,376,210 48,402,061Arizona 665,093,360 624,778,305 594,557,398 575,944,275 552,579,623Arkansas 285,790,528 274,780,521 267,083,420 257,565,382 240,943,549California 1,961,514,894 1,912,089,237 1,804,309,447 1,732,056,099 1,721,921,816Colorado 610,374,398 541,870,521 494,121,768 462,175,060 416,988,248Connecticut 290,674,011 287,900,036 280,605,661 269,320,496 256,135,507Delaware 70,618,994 65,164,858 60,621,289 57,494,758 54,694,585District of Columbia 49,109,178 49,129,417 47,394,950 45,481,659 43,891,245Florida 1,402,713,555 1,292,315,773 1,179,695,655 1,085,876,140 1,036,833,277Georgia 877,809,416 833,665,517 783,119,036 745,140,775 724,565,499Hawaii 73,417,350 68,937,268 65,226,362 62,462,011 64,076,286Idaho 103,025,508 93,558,753 86,038,353 80,906,354 77,377,841Illinois 872,668,367 839,504,915 800,059,166 745,659,876 694,326,728Indiana 480,153,486 456,658,114 429,819,888 409,850,840 386,001,599Iowa 369,364,532 347,482,088 331,457,142 313,697,168 294,582,631Kansas 389,630,061 374,995,498 362,585,315 341,507,410 320,824,789Kentucky 344,787,344 320,375,519 294,398,772 278,355,496 264,058,309Louisiana 481,221,872 462,360,042 438,618,719 415,390,141 405,971,334Maine 88,187,466 83,174,568 77,211,111 74,197,515 72,339,701Maryland 556,373,756 530,232,403 509,720,053 493,953,050 474,538,615Massachusetts 551,049,176 526,679,932 506,605,276 487,824,954 463,159,667Michigan 811,248,746 773,339,535 722,250,937 690,840,566 673,824,014Minnesota 634,244,011 607,363,800 581,279,431 554,629,834 521,321,222Mississippi 300,752,735 281,894,133 265,757,661 247,854,570 236,237,378Missouri 594,379,554 563,542,456 533,045,714 496,937,919 465,976,881Montana 126,434,153 112,316,410 106,832,810 100,789,473 92,235,232Nebraska 255,312,030 246,129,557 227,746,761 213,005,437 195,611,325Nevada 166,903,112 161,261,937 154,163,352 148,503,123 142,190,412New Hampshire 101,045,272 95,766,250 90,430,756 86,637,707 82,954,503New Jersey 591,807,583 580,388,349 548,158,656 522,540,857 493,063,494New Mexico 170,284,687 161,706,971 151,798,294 148,328,676 147,749,360New York 1,409,763,648 1,337,461,251 1,259,087,225 1,171,134,994 1,089,287,820North Carolina 822,638,212 758,171,970 711,201,232 671,071,086 629,920,880North Dakota 107,211,284 107,247,144 105,278,149 99,963,357 93,731,756Ohio 860,645,526 830,732,587 788,962,097 754,939,441 707,332,213Oklahoma 422,461,651 409,402,490 385,488,567 350,028,465 319,403,245Oregon 224,570,408 210,990,945 194,586,999 184,408,750 181,137,755Pennsylvania 1,135,593,366 1,051,010,232 994,022,331 941,227,913 885,125,568Rhode Island 71,550,700 67,959,195 62,772,039 59,232,068 57,371,572South Carolina 550,695,096 515,755,242 474,916,742 437,465,551 400,504,916South Dakota 131,960,733 122,012,103 111,352,401 102,839,997 93,268,773Tennessee 544,907,465 513,569,780 482,011,378 449,539,053 406,414,113Texas 2,822,150,482 2,645,910,555 2,474,509,889 2,327,360,455 2,134,281,950Utah 166,951,175 155,723,121 148,986,732 142,477,090 133,229,000Vermont 54,112,731 50,855,001 48,224,284 46,379,892 44,666,114Virginia 729,263,220 688,770,106 670,728,769 646,145,305 615,559,857Washington 440,618,141 416,774,263 393,552,169 376,380,641 369,297,984West Virginia 203,601,677 198,771,041 191,904,337 185,924,063 178,341,704Wisconsin 486,034,631 457,606,980 434,788,113 417,066,455 382,428,082Wyoming 78,758,456 75,057,885 69,648,960 66,331,050 61,765,600Countrywide 26,026,392,369 24,643,037,241 23,233,800,021 21,994,921,765 20,792,144,703

Table 3A

Average Premiums and Expenditures 2012-2016Comprehensive Written Premiums



STATE 2016 2015 2014 2013 2012Alabama 2,664,993 2,617,105 2,556,545 2,523,263 2,444,552Alaska 375,586 370,247 356,850 348,484 338,560Arizona 3,466,491 3,351,527 3,202,865 3,184,065 3,053,384Arkansas 1,453,802 1,443,078 1,381,388 1,388,870 1,365,076California 19,667,432 19,017,367 18,275,217 17,710,299 17,334,363Colorado 3,135,800 3,100,856 2,942,220 2,915,874 2,823,491Connecticut 2,214,627 2,187,276 2,145,342 2,131,625 2,106,845Delaware 551,681 531,987 520,413 512,379 504,135District of Columbia 214,836 210,637 202,891 197,534 192,530Florida 11,394,599 11,087,612 10,563,439 10,158,259 9,813,065Georgia 5,329,545 5,237,163 5,083,594 4,946,237 4,793,405Hawaii 712,628 681,739 665,580 656,243 631,838Idaho 838,260 802,711 754,366 748,727 719,470Illinois 6,616,721 6,551,789 6,406,206 6,409,165 6,281,095Indiana 3,796,385 3,737,853 3,665,177 3,648,177 3,406,452Iowa 1,904,021 1,893,302 1,857,382 1,826,942 1,790,573Kansas 1,582,401 1,553,663 1,519,274 1,509,720 1,513,728Kentucky 2,340,401 2,265,845 2,204,301 2,171,299 2,127,643Louisiana 2,163,253 2,148,767 2,069,965 2,040,979 1,983,374Maine 837,599 792,309 793,167 777,731 764,718Maryland 3,510,137 3,472,047 3,405,189 3,353,585 3,312,976Massachusetts 3,955,712 3,902,376 3,819,430 3,753,242 3,679,322Michigan 5,112,118 4,994,165 4,845,461 4,772,048 4,728,505Minnesota 3,356,664 3,296,065 3,220,035 3,226,991 3,131,252Mississippi 1,366,988 1,340,253 1,322,108 1,297,830 1,266,126Missouri 3,133,639 3,108,921 3,033,798 3,037,079 2,987,479Montana 543,087 530,016 507,565 507,239 483,866Nebraska 1,088,988 1,073,637 1,048,481 1,037,207 1,015,857Nevada 1,433,986 1,380,186 1,315,399 1,293,953 1,242,371New Hampshire 879,705 864,548 848,160 849,202 835,913New Jersey 4,516,329 4,420,124 4,348,638 4,264,350 4,191,576New Mexico 954,625 936,954 905,165 913,425 906,300New York 7,915,432 7,815,974 7,629,933 7,521,712 7,393,454North Carolina 5,668,660 5,570,932 5,451,286 5,408,290 5,474,658North Dakota 468,600 464,201 451,723 436,419 415,812Ohio 6,923,707 6,831,430 6,709,877 6,679,781 6,592,162Oklahoma 1,812,017 1,799,493 1,753,384 1,772,746 1,726,370Oregon 2,316,688 2,247,735 2,143,319 2,131,177 2,084,015Pennsylvania 7,304,104 7,288,094 7,186,339 7,146,156 7,122,102Rhode Island 527,791 515,355 501,548 498,222 492,840South Carolina 2,888,203 2,850,413 2,710,887 2,644,736 2,563,726South Dakota 475,813 472,715 459,625 452,417 435,686Tennessee 3,556,409 3,461,156 3,333,396 3,287,682 3,217,613Texas 13,075,408 12,817,949 12,866,218 12,505,009 12,098,640Utah 1,471,023 1,422,104 1,359,880 1,332,690 1,291,232Vermont 401,488 405,272 401,266 390,732 383,561Virginia 5,124,774 5,044,876 4,987,323 4,970,300 4,890,500Washington 4,047,371 3,917,593 3,752,523 3,722,261 3,599,074West Virginia 974,393 973,038 959,028 952,073 942,617Wisconsin 3,384,256 3,344,897 3,278,027 3,271,401 3,195,285Wyoming 298,355 303,176 296,060 300,108 290,760Countrywide 169,747,531 166,448,528 162,017,253 159,535,935 155,979,947

Table 3B

Average Premiums and Expenditures 2012-2016Comprehensive Written Exposures




Table 3C

Average Premiums and Expenditures 2012-2016Comprehensive Average Premium



STATE 2016 2015 2014 2013 2012Alabama 769.20 722.89 695.06 673.51 659.06Alaska 859.15 872.39 883.60 889.29 873.15Arizona 890.74 843.89 837.24 811.45 781.71Arkansas 771.55 736.43 728.65 703.04 679.46California 892.55 841.45 807.58 782.57 752.78Colorado 935.39 857.52 821.19 777.95 737.95Connecticut 1,086.17 1,048.56 1,031.70 1,011.28 986.73Delaware 1,159.86 1,145.66 1,125.74 1,101.12 1,065.37District of Columbia 1,246.80 1,202.16 1,191.47 1,187.54 1,154.91Florida 1,259.55 1,185.31 1,140.85 1,143.98 1,128.54Georgia 966.00 896.50 839.94 800.58 768.34Hawaii 781.90 762.75 751.61 739.26 735.17Idaho 599.77 573.83 571.74 553.38 534.56Illinois 836.67 803.64 775.24 744.75 731.31Indiana 692.29 666.74 642.27 621.77 637.46Iowa 628.10 599.03 585.71 572.14 561.26Kansas 713.50 698.45 688.82 660.29 632.07Kentucky 838.89 801.97 783.06 772.80 759.70Louisiana 1,302.11 1,231.77 1,192.92 1,146.29 1,112.53Maine 650.38 617.73 606.90 592.82 582.71Maryland 1,076.56 1,016.73 1,001.16 979.15 966.29Massachusetts 1,096.53 1,058.50 1,035.52 1,007.98 976.65Michigan 1,270.70 1,231.39 1,227.36 1,131.46 1,048.87Minnesota 808.00 787.74 772.51 744.53 718.61Mississippi 858.64 827.31 796.99 768.20 748.44Missouri 791.03 745.04 724.15 704.22 683.82Montana 706.88 692.48 694.67 677.83 658.42Nebraska 708.36 681.54 658.79 638.67 616.78Nevada 1,026.22 990.17 969.66 935.90 905.82New Hampshire 801.52 775.03 751.28 733.02 717.15New Jersey 1,309.29 1,265.58 1,263.69 1,254.39 1,220.00New Mexico 780.79 762.37 749.43 722.66 695.09New York 1,301.64 1,234.87 1,208.89 1,181.91 1,151.78North Carolina 699.91 655.37 643.84 624.76 611.18North Dakota 639.10 637.54 630.24 606.56 576.08Ohio 726.95 702.63 682.71 659.37 634.91Oklahoma 850.62 825.92 807.81 768.25 740.11Oregon 877.09 828.03 818.84 783.46 741.51Pennsylvania 918.11 878.20 858.10 841.42 827.75Rhode Island 1,193.58 1,146.97 1,106.09 1,066.27 1,034.52South Carolina 922.66 853.53 824.59 794.40 772.14South Dakota 648.01 615.78 601.33 579.37 556.51Tennessee 759.99 737.28 724.80 704.20 673.90Texas 1,008.91 934.22 905.64 864.24 823.80Utah 824.46 784.10 766.27 733.51 713.20Vermont 691.56 680.18 665.17 655.66 643.47Virginia 785.82 750.81 743.15 718.73 691.80Washington 924.47 884.23 871.82 838.30 809.56West Virginia 870.23 855.25 870.84 858.85 846.74Wisconsin 688.32 664.81 646.47 621.07 598.84Wyoming 677.53 656.64 668.81 639.51 623.70Countrywide 935.80 889.09 865.46 838.61 812.40

Table 4

Average Premiums and Expenditures 2012-2016Average Expenditure



STATE 2016 2015 2014 2013 2012Alabama 924.64 868.48 837.09 811.75 788.07Alaska 1,020.47 1,027.75 1,050.09 1,058.16 1,053.54Arizona 1,022.42 973.45 961.88 926.52 899.91Arkansas 950.08 906.34 900.18 868.13 843.07California 1,044.29 986.75 951.75 922.69 891.68Colorado 1,072.02 982.05 939.52 887.57 849.74Connecticut 1,193.05 1,151.07 1,132.78 1,109.03 1,082.28Delaware 1,259.11 1,240.57 1,215.69 1,187.18 1,153.59District of Columbia 1,380.55 1,324.06 1,323.87 1,316.53 1,289.49Florida 1,338.73 1,257.12 1,208.90 1,209.90 1,196.57Georgia 1,129.06 1,048.40 991.25 949.33 922.05Hawaii 890.59 870.94 858.16 844.16 844.12Idaho 711.18 679.89 673.13 650.57 639.19Illinois 922.21 884.56 854.10 819.27 806.21Indiana 789.84 755.85 729.03 704.50 724.44Iowa 737.79 702.46 683.67 668.09 656.84Kansas 882.88 862.93 850.79 815.83 785.72Kentucky 976.97 938.51 917.67 904.99 888.46Louisiana 1,496.11 1,405.36 1,364.17 1,307.72 1,275.10Maine 734.03 703.82 689.12 674.94 667.66Maryland 1,180.55 1,116.38 1,096.34 1,071.18 1,056.82Massachusetts 1,170.49 1,129.29 1,107.76 1,080.48 1,048.06Michigan 1,407.57 1,364.00 1,350.59 1,264.23 1,171.94Minnesota 900.68 875.49 856.62 823.70 800.24Mississippi 1,035.72 994.05 957.59 925.13 902.95Missouri 925.68 872.43 845.39 819.79 799.14Montana 891.40 863.59 868.55 842.74 821.68Nebraska 864.99 831.02 800.18 773.64 751.18Nevada 1,147.90 1,105.09 1,083.42 1,047.74 1,024.09New Hampshire 845.32 818.75 795.50 773.30 755.76New Jersey 1,424.95 1,382.71 1,379.24 1,368.83 1,334.59New Mexico 963.88 937.56 920.42 888.83 866.19New York 1,432.37 1,360.69 1,330.44 1,301.54 1,272.80North Carolina 836.71 789.11 768.37 742.33 720.47North Dakota 773.53 773.30 768.09 743.27 714.75Ohio 816.92 788.59 766.67 738.68 714.05Oklahoma 1,040.32 1,009.05 985.58 931.41 902.90Oregon 957.98 904.83 894.10 856.26 818.07Pennsylvania 1,017.17 970.53 951.05 930.49 915.83Rhode Island 1,364.56 1,303.19 1,257.43 1,210.51 1,176.05South Carolina 1,046.70 973.10 936.69 904.22 880.82South Dakota 807.37 766.91 744.28 717.30 690.95Tennessee 898.97 871.10 855.56 829.38 794.53Texas 1,194.30 1,109.66 1,066.20 1,017.81 974.68Utah 913.63 872.93 852.66 820.92 805.32Vermont 790.37 764.02 746.79 734.82 726.57Virginia 883.90 842.62 836.15 809.40 781.38Washington 1,011.38 968.80 952.10 914.04 891.04West Virginia 1,041.67 1,025.78 1,032.45 1,021.37 1,005.68Wisconsin 767.38 737.18 716.83 689.77 666.79Wyoming 877.69 847.44 844.33 804.52 796.14Countrywide 1,062.23 1,009.45 981.87 951.07 924.43

Table 5

Average Premiums and Expenditures 2012-2016Combined Average Premium


Auto Insurance Earned and Incurred Data

General Information


2013-2015 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 and Uninsured and Underinsured Motorist (UM/UIM). Therefore, there is a total for all states except Texas and Massachusetts..

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 Uninsured/underinsured motorist—

bodily injury component Except:

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.

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 (-).


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2013-2015 Auto Insurance Earned and Incurred Data

State-Specific Information (General) Voluntary Market Business and Residual Market Business California The 2015 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 2013-2015. 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.


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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

Voluntary Market Business and Residual Market Business

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.



STATE 2015 2014 2013 2015 2014 2013Alabama 532,339,840 508,764,183 477,089,026 3,461,069 3,397,702 3,323,342Alaska 109,200,963 107,580,493 106,448,678 466,608 457,311 452,458Arizona 977,132,952 934,701,606 882,585,781 4,046,024 3,918,400 3,847,097Arkansas 284,613,447 281,479,036 274,213,511 1,821,552 1,781,467 1,768,063California 5,584,856,286 5,321,268,993 4,973,256,253 25,708,324 24,915,795 24,421,436Colorado 776,926,753 714,963,972 661,461,991 3,684,912 3,582,564 3,551,472Connecticut 733,165,521 700,766,665 672,746,947 1,993,671 1,941,099 1,902,779Delaware 182,991,651 179,407,322 173,401,631 582,742 566,792 554,081District of Columbia 60,097,188 58,840,276 57,726,154 234,356 227,142 223,026Florida 3,752,751,379 3,500,803,640 3,418,423,294 11,634,608 11,185,983 10,883,418Georgia 1,638,018,706 1,447,017,004 1,310,942,940 6,260,248 6,180,738 6,065,696Hawaii 107,030,128 105,182,973 103,946,018 812,355 788,708 769,391Idaho 159,359,455 153,805,528 146,199,829 1,007,835 983,326 975,350Illinois 1,362,140,925 1,316,025,823 1,288,194,358 6,594,242 6,567,676 6,577,093Indiana 696,677,892 672,757,357 653,193,482 4,350,122 4,297,259 4,147,956Iowa 268,536,263 261,371,287 255,970,245 2,292,786 2,262,185 2,246,033Kansas 257,031,181 245,146,132 235,664,294 1,993,177 1,971,562 1,981,900Kentucky 636,481,443 621,260,817 612,424,972 2,911,407 2,861,975 2,823,767Louisiana 1,074,394,393 1,008,710,677 949,295,125 2,682,377 2,623,233 2,579,725Maine 116,166,215 112,692,522 111,439,859 746,579 729,944 715,371Maryland 935,989,981 919,220,149 902,869,912 3,848,000 3,786,636 3,730,128Massachusetts 1,256,473,113 1,222,461,807 1,177,154,377 4,191,881 4,125,514 4,038,933Michigan 628,551,423 602,112,005 540,062,696 5,239,289 5,196,298 5,187,785Minnesota 438,207,063 426,796,206 415,044,632 3,661,398 3,600,188 3,584,132Mississippi 338,668,437 323,391,740 307,907,901 1,769,487 1,756,567 1,735,844Missouri 693,530,892 665,853,009 656,905,938 3,688,249 3,631,432 3,634,156Montana 122,576,627 118,961,047 116,879,064 705,005 688,287 678,659Nebraska 217,862,361 209,420,945 206,178,020 1,429,061 1,410,247 1,399,478Nevada 623,655,514 590,477,764 554,382,877 1,670,049 1,625,223 1,601,973New Hampshire 140,493,608 135,726,968 133,481,000 825,891 807,313 787,035New Jersey 1,115,095,279 1,097,665,800 1,067,053,289 4,038,538 3,941,194 3,844,344New Mexico 274,923,904 263,390,734 252,481,922 1,341,319 1,327,595 1,340,445New York 2,265,404,654 2,214,267,538 2,162,178,072 8,139,564 8,002,614 7,894,334North Carolina 1,148,193,424 1,132,878,987 1,164,344,660 6,842,711 6,762,699 6,926,808North Dakota 47,808,531 45,298,026 42,174,301 514,990 504,606 496,294Ohio 1,289,551,138 1,246,279,991 1,169,434,646 7,414,206 7,336,275 7,263,975Oklahoma 473,903,341 460,299,558 451,433,222 2,420,993 2,383,515 2,388,534Oregon 639,201,376 615,127,156 579,609,535 2,562,597 2,502,217 2,494,348Pennsylvania 1,236,352,177 1,238,738,627 1,231,942,129 7,832,331 7,736,965 7,656,539Rhode Island 195,049,071 184,550,392 179,455,462 550,885 535,769 529,315South Carolina 831,368,502 773,388,033 733,028,933 3,430,979 3,335,524 3,267,643South Dakota 87,567,255 81,735,714 77,334,741 642,028 626,852 618,601Tennessee 731,178,924 703,406,829 674,535,045 4,215,651 4,087,189 4,019,871Texas 3,596,372,779 3,392,467,801 3,178,551,421 n/a n/a n/aUtah 345,592,976 325,010,130 306,185,146 1,684,655 1,643,557 1,627,158Vermont 54,836,847 53,657,450 52,550,304 369,734 367,495 361,445Virginia 1,105,422,486 1,070,681,528 1,026,478,338 5,881,662 5,797,552 5,767,063Washington 1,047,687,233 994,249,243 950,323,485 4,095,511 3,980,212 3,942,698West Virginia 277,903,406 291,415,559 292,001,181 1,237,644 1,232,045 1,226,994Wisconsin 641,575,348 615,892,241 602,722,598 3,633,515 3,587,791 3,599,812Wyoming 57,049,636 56,683,186 54,840,945 423,650 421,252 419,985Countrywide 42,167,959,887 40,324,052,469 38,624,150,180 177,586,467 173,981,484 171,873,783CW w/o TX and MA 37,315,113,995 35,709,122,861 34,268,444,382 173,394,586 169,855,970 167,834,850

Table 6A

Bodily Injury Liability 2013-2015

Earned Premiums Earned ExposuresVoluntary Business



STATE 2015 2014 2013 2015 2014 2013Alabama 488,293,952 435,271,557 402,417,376 31,141 28,607 27,675Alaska 70,314,882 67,518,587 70,289,974 3,524 3,346 4,009Arizona 828,770,012 749,151,556 710,903,831 54,487 50,695 50,189Arkansas 218,751,939 201,840,911 194,614,642 20,311 19,436 19,311California 3,704,328,290 3,301,748,867 3,290,878,113 254,458 234,975 231,610Colorado 676,701,988 647,426,247 600,931,193 31,651 30,589 28,925Connecticut 573,719,530 540,474,160 556,936,566 28,770 26,864 26,648Delaware 144,158,033 135,176,594 142,593,595 8,791 8,313 8,833District of Columbia 62,102,984 53,421,772 49,507,187 5,651 4,832 4,636Florida 3,297,622,535 2,986,265,111 2,739,873,081 165,639 149,427 137,050Georgia 1,678,567,496 1,428,033,399 1,338,415,758 114,716 99,434 96,354Hawaii 58,556,894 60,989,047 54,820,424 1,974 1,815 1,762Idaho 116,906,033 112,310,091 107,304,111 8,751 8,396 8,141Illinois 1,108,497,305 1,016,159,915 994,835,844 59,344 56,526 56,929Indiana 557,780,373 502,280,364 492,270,321 32,209 30,549 30,009Iowa 212,550,732 189,113,237 170,172,732 12,770 11,856 11,715Kansas 210,173,759 199,883,015 172,958,630 8,521 7,776 7,617Kentucky 510,505,781 479,196,708 467,945,293 31,481 29,516 28,989Louisiana 1,074,495,875 920,601,432 840,626,991 65,753 59,184 58,506Maine 76,347,371 77,792,960 80,837,602 4,688 4,649 4,718Maryland 846,134,023 764,654,494 749,138,154 75,226 67,878 66,746Massachusetts 691,522,928 670,911,728 645,804,031 55,800 52,871 52,604Michigan 481,825,723 436,046,664 428,311,772 9,127 8,401 8,475Minnesota 307,636,110 287,345,616 290,323,207 11,948 12,054 11,922Mississippi 271,746,018 251,579,800 242,900,528 17,756 18,135 17,205Missouri 573,751,713 495,675,859 470,969,058 35,484 33,159 32,443Montana 93,786,478 79,191,552 77,577,043 4,378 4,231 4,486Nebraska 171,958,255 165,021,646 151,774,685 9,763 9,295 9,067Nevada 563,105,199 529,541,196 491,867,939 27,893 26,940 27,159New Hampshire 95,205,867 102,959,112 94,523,579 5,069 5,173 5,240New Jersey 958,247,406 911,108,341 910,256,306 26,470 25,863 27,610New Mexico 200,421,291 201,069,279 200,596,887 13,898 14,051 14,911New York 1,911,583,654 1,773,528,882 1,825,495,080 56,671 53,624 55,600North Carolina 869,719,953 835,638,062 865,296,282 91,158 86,187 89,909North Dakota 24,694,647 24,120,482 21,411,066 980 967 949Ohio 953,751,368 888,507,285 852,225,125 81,435 79,101 78,268Oklahoma 344,564,762 300,515,593 312,099,609 25,095 23,827 24,872Oregon 516,205,296 472,087,619 451,552,957 34,533 32,582 33,192Pennsylvania 965,034,240 891,953,426 919,809,496 47,497 43,923 45,584Rhode Island 155,392,555 154,542,235 144,169,243 10,887 10,416 10,040South Carolina 764,824,316 673,185,931 622,626,188 65,889 58,826 56,994South Dakota 67,953,276 52,364,932 57,049,132 2,745 2,650 2,746Tennessee 561,749,072 512,567,449 493,486,303 35,514 31,830 31,615Texas 2,490,439,717 2,403,438,056 2,284,303,801 n/a n/a n/aUtah 274,355,086 252,165,638 241,106,577 17,125 15,512 16,084Vermont 39,056,794 34,266,373 37,650,349 2,005 2,012 2,090Virginia 889,024,118 820,782,164 804,239,443 63,776 59,114 61,852Washington 847,608,940 810,532,326 767,518,983 53,623 51,175 49,106West Virginia 173,905,569 169,699,582 175,015,217 11,290 11,457 11,573Wisconsin 513,778,340 490,557,966 474,728,662 23,407 23,276 22,741Wyoming 39,436,869 36,070,755 34,659,756 1,800 2,006 2,071Countrywide 33,327,565,347 30,596,285,573 29,617,619,722 1,862,872 1,733,321 1,716,780CW w/o TX and MA 30,145,602,702 27,521,935,789 26,687,511,890 1,807,072 1,680,450 1,664,176

Table 6B



Voluntary Business



STATE 2015 2014 2013 2015 2014 2013Alabama 141.08 128.11 121.09 91.73 85.55 84.35Alaska 150.69 147.64 155.35 64.39 62.76 66.03Arizona 204.84 191.19 184.79 84.82 80.15 80.55Arkansas 120.09 113.30 110.07 76.86 71.71 70.97California 144.09 132.52 134.75 66.33 62.05 66.17Colorado 183.64 180.72 169.21 87.10 90.55 90.85Connecticut 287.77 278.44 292.70 78.25 77.13 82.79Delaware 247.38 238.49 257.35 78.78 75.35 82.23District of Columbia 264.99 235.19 221.98 103.34 90.79 85.76Florida 283.43 266.96 251.75 87.87 85.30 80.15Georgia 268.13 231.05 220.65 102.48 98.69 102.10Hawaii 72.08 77.33 71.25 54.71 57.98 52.74Idaho 116.00 114.21 110.02 73.36 73.02 73.40Illinois 168.10 154.72 151.26 81.38 77.21 77.23Indiana 128.22 116.88 118.68 80.06 74.66 75.36Iowa 92.70 83.60 75.77 79.15 72.35 66.48Kansas 105.45 101.38 87.27 81.77 81.54 73.39Kentucky 175.35 167.44 165.72 80.21 77.13 76.41Louisiana 400.58 350.94 325.86 100.01 91.27 88.55Maine 102.26 106.57 113.00 65.72 69.03 72.54Maryland 219.89 201.94 200.83 90.40 83.19 82.97Massachusetts 164.97 162.63 159.89 55.04 54.88 54.86Michigan 91.96 83.91 82.56 76.66 72.42 79.31Minnesota 84.02 79.81 81.00 70.20 67.33 69.95Mississippi 153.57 143.22 139.93 80.24 77.79 78.89Missouri 155.56 136.50 129.60 82.73 74.44 71.70Montana 133.03 115.06 114.31 76.51 66.57 66.37Nebraska 120.33 117.02 108.45 78.93 78.80 73.61Nevada 337.18 325.83 307.04 90.29 89.68 88.72New Hampshire 115.28 127.53 120.10 67.77 75.86 70.81New Jersey 237.28 231.18 236.78 85.93 83.00 85.31New Mexico 149.42 151.45 149.65 72.90 76.34 79.45New York 234.85 221.62 231.24 84.38 80.10 84.43North Carolina 127.10 123.57 124.92 75.75 73.76 74.32North Dakota 47.95 47.80 43.14 51.65 53.25 50.77Ohio 128.64 121.11 117.32 73.96 71.29 72.87Oklahoma 142.32 126.08 130.67 72.71 65.29 69.14Oregon 201.44 188.67 181.03 80.76 76.75 77.91Pennsylvania 123.21 115.28 120.13 78.05 72.00 74.66Rhode Island 282.08 288.45 272.37 79.67 83.74 80.34South Carolina 222.92 201.82 190.54 92.00 87.04 84.94South Dakota 105.84 83.54 92.22 77.60 64.07 73.77Tennessee 133.25 125.41 122.76 76.83 72.87 73.16Texas n/a n/a n/a 69.25 70.85 71.87Utah 162.86 153.43 148.18 79.39 77.59 78.75Vermont 105.63 93.24 104.17 71.22 63.86 71.65Virginia 151.15 141.57 139.45 80.42 76.66 78.35Washington 206.96 203.64 194.67 80.90 81.52 80.76West Virginia 140.51 137.74 142.64 62.58 58.23 59.94Wisconsin 141.40 136.73 131.88 80.08 79.65 78.76Wyoming 93.09 85.63 82.53 69.13 63.64 63.20Countrywide 187.67 175.86 172.32 79.04 75.88 76.68CW w/o TX and MA 173.86 162.03 159.01 80.79 77.07 77.88

Table 6C


Pure Premium Loss Ratio

Voluntary Business



STATE 2015 2014 2013 2015 2014 20130.90 0.84 0.83 15,680.10 15,215.56 14,540.830.76 0.73 0.89 19,953.14 20,178.90 17,533.041.35 1.29 1.30 15,210.42 14,777.62 14,164.531.12 1.09 1.09 10,770.12 10,384.90 10,077.920.99 0.94 0.95 14,557.72 14,051.49 14,208.700.86 0.85 0.81 21,380.11 21,165.33 20,775.501.44 1.38 1.40 19,941.59 20,118.90 20,899.751.51 1.47 1.59 16,398.37 16,260.87 16,143.282.41 2.13 2.08 10,989.73 11,055.83 10,678.861.42 1.34 1.26 19,908.49 19,984.78 19,991.781.83 1.61 1.59 14,632.37 14,361.62 13,890.610.24 0.23 0.23 29,664.08 33,602.78 31,112.610.87 0.85 0.83 13,359.16 13,376.62 13,180.700.90 0.86 0.87 18,679.18 17,976.86 17,475.030.74 0.71 0.72 17,317.53 16,441.79 16,404.090.56 0.52 0.52 16,644.54 15,950.85 14,526.050.43 0.39 0.38 24,665.39 25,705.12 22,706.921.08 1.03 1.03 16,216.31 16,235.15 16,142.172.45 2.26 2.27 16,341.40 15,554.90 14,368.220.63 0.64 0.66 16,285.70 16,733.27 17,133.871.95 1.79 1.79 11,247.89 11,265.13 11,223.721.33 1.28 1.30 12,392.88 12,689.60 12,276.710.17 0.16 0.16 52,791.25 51,904.14 50,538.260.33 0.33 0.33 25,747.92 23,838.20 24,351.891.00 1.03 0.99 15,304.46 13,872.61 14,118.020.96 0.91 0.89 16,169.31 14,948.46 14,516.820.62 0.61 0.66 21,422.22 18,716.98 17,293.140.68 0.66 0.65 17,613.26 17,753.81 16,739.241.67 1.66 1.70 20,188.05 19,656.32 18,110.680.61 0.64 0.67 18,781.98 19,903.17 18,038.850.66 0.66 0.72 36,201.26 35,228.25 32,968.361.04 1.06 1.11 14,420.87 14,309.96 13,452.950.70 0.67 0.70 33,731.25 33,073.42 32,832.651.33 1.27 1.30 9,540.80 9,695.64 9,624.130.19 0.19 0.19 25,198.62 24,943.62 22,561.711.10 1.08 1.08 11,711.81 11,232.57 10,888.551.04 1.00 1.04 13,730.41 12,612.40 12,548.231.35 1.30 1.33 14,948.17 14,489.22 13,604.270.61 0.57 0.60 20,317.79 20,307.21 20,178.341.98 1.94 1.90 14,273.22 14,837.00 14,359.491.92 1.76 1.74 11,607.77 11,443.68 10,924.420.43 0.42 0.44 24,755.29 19,760.35 20,775.360.84 0.78 0.79 15,817.68 16,103.28 15,609.25

n/a n/a n/a n/a n/a n/a1.02 0.94 0.99 16,020.73 16,256.17 14,990.460.54 0.55 0.58 19,479.70 17,031.00 18,014.521.08 1.02 1.07 13,939.79 13,884.73 13,002.641.31 1.29 1.25 15,806.82 15,838.44 15,629.840.91 0.93 0.94 15,403.50 14,811.87 15,122.720.64 0.65 0.63 21,949.77 21,075.70 20,875.450.42 0.48 0.49 21,909.37 17,981.43 16,735.761.05 1.00 1.00 17,890.42 17,651.83 17,251.84

AlabamaAlaskaArizonaArkansas California Colorado Connecticut DelawareDistrict of Columbia FloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentucky LouisianaMaineMaryland Massachusetts Michigan Minnesota Mississippi MissouriMontana NebraskaNevadaNew Hampshire New JerseyNew MexicoNew YorkNorth Carolina North Dakota OhioOklahomaOregon Pennsylvania Rhode Island South Carolina South Dakota TennesseeTexasUtahVermontVirginia WashingtonWest Virginia Wisconsin Wyoming CountrywideCW w/o TX and MA 1.04 0.99 0.99 16,682.02 16,377.72 16,036.47

Table 6D


Frequency Severity

Voluntary Business



STATE 2015 2014 2013 2015 2014 2013Alabama 964 2,303 940 1 2 1Alaska 5,114 6,678 4,392 6 7 5Arizona 0 0 0 0 0 0Arkansas 3,448 1,865 1,714 4 2 2California 236,626 285,347 369,947 292 376 567Colorado 554 -85 0 0 0 0Connecticut 79,965 121,234 149,499 82 137 182Delaware 2,495 221 394 2 0 0District of Columbia 75,576 99,569 123,272 73 115 139Florida 85,856 230,273 346,112 78 273 428Georgia 0 0 0 0 0 0Hawaii 1,223,268 1,315,376 1,211,842 1,286 1,393 1,375Idaho 757 992 46 1 2 0Illinois 112,193 134,394 175,493 292 361 514Indiana 3,861 2,716 2,773 4 5 5Iowa 3,950 4,891 4,156 8 9 12Kansas 397,350 412,726 389,356 1,653 1,784 1,671Kentucky 201,685 179,013 121,010 288 302 199Louisiana 6,054 3,446 1,135 3 2 1Maine 1,882 3,673 4,496 4 8 10Maryland 22,199,351 21,113,706 21,621,862 43,905 40,870 41,497Massachusetts 32,616,260 40,196,596 49,135,273 54,246 69,457 91,288Michigan 1,326,308 1,617,398 1,387,093 3,915 5,457 5,349Minnesota 642 505 7,141 1 4 18Mississippi 7,880 7,038 7,782 8 10 13Missouri 1,267 688 4,445 2 1 12Montana 2,416 4,507 10,508 6 11 23Nebraska 829 129 1,202 1 0 1Nevada 745 29 606 1 0 2New Hampshire 24,806 30,789 30,335 35 42 40New Jersey 3,820,663 6,081,815 9,398,543 3,246 5,487 9,311New Mexico 1,076 413 868 1 1 1New York 18,489,339 21,290,298 26,255,798 39,939 44,974 52,964North Carolina 0 0 0 0 0 0North Dakota 1,472 1,139 1,464 3 5 2Ohio 0 0 0 0 0 0Oklahoma 4,624 5,922 8,546 8 10 16Oregon 3,567 464 109 3 1 1Pennsylvania 1,584,475 1,719,517 1,705,175 6,511 6,948 6,994Rhode Island 10,435,104 8,947,153 7,642,525 14,331 12,409 10,846South Carolina 13 2,370 297 0 1 0South Dakota 4,877 697 0 1 0 0Tennessee 3,682 3,319 7,351 7 6 9Texas 753,852 924,437 1,134,647 n/a n/a n/aUtah 2,379 3,214 3,498 4 4 5Vermont 21,673 19,891 29,348 39 38 53Virginia 218,474 257,941 299,912 383 448 527Washington 2,600 717 0 1 0 0West Virginia 5,999 5,993 11,102 10 6 12Wisconsin 8,479 2,666 389 2 0 0Wyoming 0 0 0 0 0 0Countrywide 93,984,450 105,043,983 121,612,396 170,686 190,968 224,095CW w/o TX and MA 60,614,338 63,922,950 71,342,476 116,440 121,511 132,807

Table 7A


Earned Premiums Earned Exposures

Residual Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0 0 0 0 0 0Alaska 0 0 -286 0 0 -1Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California 142,672 189,975 315,515 13 15 33Colorado 0 0 0 0 0 0Connecticut 9,848 106,817 163,088 1 7 13Delaware 0 0 0 0 0 0District of Columbia 37,005 185,720 40,709 6 13 6Florida 148,005 403,956 440,214 7 27 58Georgia 0 0 0 0 0 0Hawaii 400,697 383,643 369,228 50 88 64Idaho 0 0 0 0 0 0Illinois 84,918 101,249 59,849 7 7 9Indiana 0 0 0 0 0 0Iowa 0 1,353 0 0 1 0Kansas 184,752 421,896 211,908 8 16 18Kentucky 262,390 687,702 46,760 25 40 3Louisiana 0 0 0 0 0 0Maine 3,753 115,810 59,753 1 4 3Maryland 28,473,133 22,765,656 23,506,757 3,263 2,739 2,689Massachusetts 26,160,945 32,022,647 39,050,996 2,563 3,057 4,152Michigan 367,040 221,128 800,929 17 14 19Minnesota 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 2,089 0 0 1Nevada 0 0 0 0 0 0New Hampshire 2,600 17,305 0 1 1 0New Jersey 1,987,206 3,035,022 7,221,025 102 166 328New Mexico 0 0 0 0 0 0New York 24,080,160 24,512,676 33,069,216 1,146 1,154 1,491North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 3,649 59,171 0 1 1 0Oregon 0 0 0 0 0 0Pennsylvania 1,402,516 1,623,322 1,654,169 101 115 134Rhode Island 14,175,843 9,644,381 7,756,054 1,157 840 722South Carolina 0 0 0 0 0 0South Dakota 7,225 0 0 1 0 0Tennessee 8,100 0 0 1 0 0Texas 925,717 805,990 681,244 n/a n/a n/aUtah 0 0 0 0 0 0Vermont 645 57,938 0 1 2 0Virginia 113,298 52,630 664,817 12 6 25Washington 0 0 0 0 0 0West Virginia 0 0 118,003 0 0 1Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 98,982,117 97,415,987 116,232,037 8,484 8,313 9,768CW w/o TX and MA 71,895,455 64,587,350 76,499,797 5,921 5,256 5,616

Table 7B



Residual Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0.00 0.00 0.00 0.00 0.00 0.00Alaska 0.00 0.00 -57.20 0.00 0.00 -6.51Arizona - - - - - -Arkansas 0.00 0.00 0.00 0.00 0.00 0.00California 488.60 505.25 556.46 60.29 66.58 85.29Colorado - - - 0.00 0.00 -Connecticut 120.10 779.69 896.09 12.32 88.11 109.09Delaware 0.00 - - 0.00 0.00 0.00District of Columbia 506.92 1,614.96 292.87 48.96 186.52 33.02Florida 1,897.50 1,479.69 1,028.54 172.39 175.42 127.19Georgia - - - - - -Hawaii 311.58 275.41 268.53 32.76 29.17 30.47Idaho 0.00 0.00 - 0.00 0.00 0.00Illinois 290.82 280.47 116.44 75.69 75.34 34.10Indiana 0.00 0.00 0.00 0.00 0.00 0.00Iowa 0.00 150.33 0.00 0.00 27.66 0.00Kansas 111.77 236.49 126.82 46.50 102.22 54.43Kentucky 911.08 2,277.16 234.97 130.10 384.16 38.64Louisiana 0.00 0.00 0.00 0.00 0.00 0.00Maine 938.25 14,476.25 5,975.30 199.42 3,153.01 1,329.03Maryland 648.52 557.03 566.47 128.26 107.82 108.72Massachusetts 482.26 461.04 427.78 80.21 79.67 79.48Michigan 93.75 40.52 149.73 27.67 13.67 57.74Minnesota 0.00 0.00 0.00 0.00 0.00 0.00Mississippi 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 - 2,089.00 0.00 0.00 173.79Nevada 0.00 - 0.00 0.00 0.00 0.00New Hampshire 74.29 412.02 0.00 10.48 56.21 0.00New Jersey 612.20 553.13 775.54 52.01 49.90 76.83New Mexico 0.00 0.00 0.00 0.00 0.00 0.00New York 602.92 545.04 624.37 130.24 115.14 125.95North Carolina - - - - - -North Dakota 0.00 0.00 0.00 0.00 0.00 0.00Ohio - - - - - -Oklahoma 456.13 5,917.10 0.00 78.91 999.17 0.00Oregon 0.00 0.00 0.00 0.00 0.00 0.00Pennsylvania 215.41 233.64 236.51 88.52 94.41 97.01Rhode Island 989.17 777.21 715.11 135.85 107.79 101.49South Carolina - 0.00 - 0.00 0.00 0.00South Dakota 7,225.00 - - 148.14 0.00 -Tennessee 1,157.14 0.00 0.00 219.99 0.00 0.00Texas n/a n/a n/a 122.80 87.19 60.04Utah 0.00 0.00 0.00 0.00 0.00 0.00Vermont 16.54 1,524.68 0.00 2.98 291.28 0.00Virginia 295.82 117.48 1,261.51 51.86 20.40 221.67Washington 0.00 - - 0.00 0.00 -West Virginia 0.00 0.00 9,833.58 0.00 0.00 1,062.90Wisconsin 0.00 - - 0.00 0.00 0.00Wyoming - - - - - -Countrywide 579.91 510.12 518.67 105.32 92.74 95.58CW w/o TX and MA 617.45 531.54 576.02 118.61 101.04 107.23

Table 7C



Residual Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0.00 0.00 0.00 - - -Alaska 0.00 0.00 -20.00 - - 286.00Arizona - - - - - -Arkansas 0.00 0.00 0.00 - - -California 4.45 3.99 5.82 10,974.77 12,665.00 9,561.06Colorado - - - - - -Connecticut 1.22 5.11 7.14 9,848.00 15,259.57 12,545.23Delaware 0.00 - - - - -District of Columbia 8.22 11.30 4.32 6,167.50 14,286.15 6,784.83Florida 8.97 9.89 13.55 21,143.57 14,961.33 7,589.90Georgia - - - - - -Hawaii 3.89 6.32 4.65 8,013.94 4,359.58 5,769.19Idaho 0.00 0.00 - - - -Illinois 2.40 1.94 1.75 12,131.14 14,464.14 6,649.89Indiana 0.00 0.00 0.00 - - -Iowa 0.00 11.11 0.00 - 1,353.00 -Kansas 0.48 0.90 1.08 23,094.00 26,368.50 11,772.67Kentucky 8.68 13.25 1.51 10,495.60 17,192.55 15,586.67Louisiana 0.00 0.00 0.00 - - -Maine 25.00 50.00 30.00 3,753.00 28,952.50 19,917.67Maryland 7.43 6.70 6.48 8,726.06 8,311.67 8,741.82Massachusetts 4.72 4.40 4.55 10,207.16 10,475.19 9,405.35Michigan 0.43 0.26 0.36 21,590.59 15,794.86 42,154.16Minnesota 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 - 100.00 - - 2,089.00Nevada 0.00 - 0.00 - - -New Hampshire 2.86 2.38 0.00 2,600.00 17,305.00 -New Jersey 3.14 3.03 3.52 19,482.41 18,283.27 22,015.32New Mexico 0.00 0.00 0.00 - - -New York 2.87 2.57 2.82 21,012.36 21,241.49 22,179.22North Carolina - - - - - -North Dakota 0.00 0.00 0.00 - - -Ohio - - - - - -Oklahoma 12.50 10.00 0.00 3,649.00 59,171.00 -Oregon 0.00 0.00 0.00 - - -Pennsylvania 1.55 1.66 1.92 13,886.30 14,115.84 12,344.54Rhode Island 8.07 6.77 6.66 12,252.24 11,481.41 10,742.46South Carolina - 0.00 - - - -South Dakota 100.00 - - 7,225.00 - -Tennessee 14.29 0.00 0.00 8,100.00 - -Texas n/a n/a n/a n/a n/a n/aUtah 0.00 0.00 0.00 - - -Vermont 2.56 5.26 0.00 645.00 28,969.00 -Virginia 3.13 1.34 4.74 9,441.50 8,771.67 26,592.68Washington 0.00 - - - - -West Virginia 0.00 0.00 8.33 - - 118,003.00Wisconsin 0.00 - - - - -Wyoming - - - - - -Countrywide 4.97 4.35 4.36 11,666.92 11,718.51 11,899.27CW w/o TX and MA 5.09 4.33 4.23 12,142.45 12,288.31 13,621.76

Table 7D


Frequency Severity

Residual Business



STATE 2015 2014 2013 2015 2014 2013Alabama 532,340,804 508,766,486 477,089,966 3,461,070 3,397,704 3,323,343Alaska 109,206,077 107,587,171 106,453,070 466,614 457,318 452,463Arizona 977,132,952 934,701,606 882,585,781 4,046,024 3,918,400 3,847,097Arkansas 284,616,895 281,480,901 274,215,225 1,821,556 1,781,469 1,768,065California 5,585,092,912 5,321,554,340 4,973,626,200 25,708,616 24,916,171 24,422,003Colorado 776,927,307 714,963,887 661,461,991 3,684,912 3,582,564 3,551,472Connecticut 733,245,486 700,887,899 672,896,446 1,993,753 1,941,236 1,902,961Delaware 182,994,146 179,407,543 173,402,025 582,744 566,792 554,081District of Columbia 60,172,764 58,939,845 57,849,426 234,429 227,257 223,165Florida 3,752,837,235 3,501,033,913 3,418,769,406 11,634,686 11,186,256 10,883,846Georgia 1,638,018,706 1,447,017,004 1,310,942,940 6,260,248 6,180,738 6,065,696Hawaii 108,253,396 106,498,349 105,157,860 813,641 790,101 770,766Idaho 159,360,212 153,806,520 146,199,875 1,007,836 983,328 975,350Illinois 1,362,253,118 1,316,160,217 1,288,369,851 6,594,534 6,568,037 6,577,607Indiana 696,681,753 672,760,073 653,196,255 4,350,126 4,297,264 4,147,961Iowa 268,540,213 261,376,178 255,974,401 2,292,794 2,262,194 2,246,045Kansas 257,428,531 245,558,858 236,053,650 1,994,830 1,973,346 1,983,571Kentucky 636,683,128 621,439,830 612,545,982 2,911,695 2,862,277 2,823,966Louisiana 1,074,400,447 1,008,714,123 949,296,260 2,682,380 2,623,235 2,579,726Maine 116,168,097 112,696,195 111,444,355 746,583 729,952 715,381Maryland 958,189,332 940,333,855 924,491,774 3,891,905 3,827,506 3,771,625Massachusetts 1,289,089,373 1,262,658,403 1,226,289,650 4,246,127 4,194,971 4,130,221Michigan 629,877,731 603,729,403 541,449,789 5,243,204 5,201,755 5,193,134Minnesota 438,207,705 426,796,711 415,051,773 3,661,399 3,600,192 3,584,150Mississippi 338,676,317 323,398,778 307,915,683 1,769,495 1,756,577 1,735,857Missouri 693,532,159 665,853,697 656,910,383 3,688,251 3,631,433 3,634,168Montana 122,579,043 118,965,554 116,889,572 705,011 688,298 678,682Nebraska 217,863,190 209,421,074 206,179,222 1,429,062 1,410,247 1,399,479Nevada 623,656,259 590,477,793 554,383,483 1,670,050 1,625,223 1,601,975New Hampshire 140,518,414 135,757,757 133,511,335 825,926 807,355 787,075New Jersey 1,118,915,942 1,103,747,615 1,076,451,832 4,041,784 3,946,681 3,853,655New Mexico 274,924,980 263,391,147 252,482,790 1,341,320 1,327,596 1,340,446New York 2,283,893,993 2,235,557,836 2,188,433,870 8,179,503 8,047,588 7,947,298North Carolina 1,148,193,424 1,132,878,987 1,164,344,660 6,842,711 6,762,699 6,926,808North Dakota 47,810,003 45,299,165 42,175,765 514,993 504,611 496,296Ohio 1,289,551,138 1,246,279,991 1,169,434,646 7,414,206 7,336,275 7,263,975Oklahoma 473,907,965 460,305,480 451,441,768 2,421,001 2,383,525 2,388,550Oregon 639,204,943 615,127,620 579,609,644 2,562,600 2,502,218 2,494,349Pennsylvania 1,237,936,652 1,240,458,144 1,233,647,304 7,838,842 7,743,913 7,663,533Rhode Island 205,484,175 193,497,545 187,097,987 565,216 548,178 540,161South Carolina 831,368,515 773,390,403 733,029,230 3,430,979 3,335,525 3,267,643South Dakota 87,572,132 81,736,411 77,334,741 642,029 626,852 618,601Tennessee 731,182,606 703,410,148 674,542,396 4,215,658 4,087,195 4,019,880Texas 3,597,126,631 3,393,392,238 3,179,686,068 n/a n/a n/aUtah 345,595,355 325,013,344 306,188,644 1,684,659 1,643,561 1,627,163Vermont 54,858,520 53,677,341 52,579,652 369,773 367,533 361,498Virginia 1,105,640,960 1,070,939,469 1,026,778,250 5,882,045 5,798,000 5,767,590Washington 1,047,689,833 994,249,960 950,323,485 4,095,512 3,980,212 3,942,698West Virginia 277,909,405 291,421,552 292,012,283 1,237,654 1,232,051 1,227,006Wisconsin 641,583,827 615,894,907 602,722,987 3,633,517 3,587,791 3,599,812Wyoming 57,049,636 56,683,186 54,840,945 423,650 421,252 419,985Countrywide 42,261,944,337 40,429,096,452 38,745,762,576 177,757,153 174,172,452 172,097,878CW w/o TX and MA 37,375,728,333 35,773,045,811 34,339,786,858 173,511,026 169,977,481 167,967,657

Table 8A



Total Business



STATE 2015 2014 2013 2015 2014 2013Alabama 488,293,952 435,271,557 402,417,376 31,141 28,607 27,675Alaska 70,314,882 67,518,587 70,289,688 3,524 3,346 4,008Arizona 828,770,012 749,151,556 710,903,831 54,487 50,695 50,189Arkansas 218,751,939 201,840,911 194,614,642 20,311 19,436 19,311California 3,704,470,962 3,301,938,842 3,291,193,628 254,471 234,990 231,643Colorado 676,701,988 647,426,247 600,931,193 31,651 30,589 28,925Connecticut 573,729,378 540,580,977 557,099,654 28,771 26,871 26,661Delaware 144,158,033 135,176,594 142,593,595 8,791 8,313 8,833District of Columbia 62,139,989 53,607,492 49,547,896 5,657 4,845 4,642Florida 3,297,770,540 2,986,669,067 2,740,313,295 165,646 149,454 137,108Georgia 1,678,567,496 1,428,033,399 1,338,415,758 114,716 99,434 96,354Hawaii 58,957,591 61,372,690 55,189,652 2,024 1,903 1,826Idaho 116,906,033 112,310,091 107,304,111 8,751 8,396 8,141Illinois 1,108,582,223 1,016,261,164 994,895,693 59,351 56,533 56,938Indiana 557,780,373 502,280,364 492,270,321 32,209 30,549 30,009Iowa 212,550,732 189,114,590 170,172,732 12,770 11,857 11,715Kansas 210,358,511 200,304,911 173,170,538 8,529 7,792 7,635Kentucky 510,768,171 479,884,410 467,992,053 31,506 29,556 28,992Louisiana 1,074,495,875 920,601,432 840,626,991 65,753 59,184 58,506Maine 76,351,124 77,908,770 80,897,355 4,689 4,653 4,721Maryland 874,607,156 787,420,150 772,644,911 78,489 70,617 69,435Massachusetts 717,683,873 702,934,375 684,855,027 58,363 55,928 56,756Michigan 482,192,763 436,267,792 429,112,701 9,144 8,415 8,494Minnesota 307,636,110 287,345,616 290,323,207 11,948 12,054 11,922Mississippi 271,746,018 251,579,800 242,900,528 17,756 18,135 17,205Missouri 573,751,713 495,675,859 470,969,058 35,484 33,159 32,443Montana 93,786,478 79,191,552 77,577,043 4,378 4,231 4,486Nebraska 171,958,255 165,021,646 151,776,774 9,763 9,295 9,068Nevada 563,105,199 529,541,196 491,867,939 27,893 26,940 27,159New Hampshire 95,208,467 102,976,417 94,523,579 5,070 5,174 5,240New Jersey 960,234,612 914,143,363 917,477,331 26,572 26,029 27,938New Mexico 200,421,291 201,069,279 200,596,887 13,898 14,051 14,911New York 1,935,663,814 1,798,041,558 1,858,564,296 57,817 54,778 57,091North Carolina 869,719,953 835,638,062 865,296,282 91,158 86,187 89,909North Dakota 24,694,647 24,120,482 21,411,066 980 967 949Ohio 953,751,368 888,507,285 852,225,125 81,435 79,101 78,268Oklahoma 344,568,411 300,574,764 312,099,609 25,096 23,828 24,872Oregon 516,205,296 472,087,619 451,552,957 34,533 32,582 33,192Pennsylvania 966,436,756 893,576,748 921,463,665 47,598 44,038 45,718Rhode Island 169,568,398 164,186,616 151,925,297 12,044 11,256 10,762South Carolina 764,824,316 673,185,931 622,626,188 65,889 58,826 56,994South Dakota 67,960,501 52,364,932 57,049,132 2,746 2,650 2,746Tennessee 561,757,172 512,567,449 493,486,303 35,515 31,830 31,615Texas 2,491,365,434 2,404,244,046 2,284,985,045 n/a n/a n/aUtah 274,355,086 252,165,638 241,106,577 17,125 15,512 16,084Vermont 39,057,439 34,324,311 37,650,349 2,006 2,014 2,090Virginia 889,137,416 820,834,794 804,904,260 63,788 59,120 61,877Washington 847,608,940 810,532,326 767,518,983 53,623 51,175 49,106West Virginia 173,905,569 169,699,582 175,133,220 11,290 11,457 11,574Wisconsin 513,778,340 490,557,966 474,728,662 23,407 23,276 22,741Wyoming 39,436,869 36,070,755 34,659,756 1,800 2,006 2,071Countrywide 33,426,547,464 30,693,701,560 29,733,851,759 1,871,356 1,741,634 1,726,548CW w/o TX and MA 30,217,498,157 27,586,523,139 26,764,011,687 1,812,993 1,685,706 1,669,792

Table 8B



Total Business



STATE 2015 2014 2013 2015 2014 2013Alabama 141.08 128.11 121.09 91.73 85.55 84.35Alaska 150.69 147.64 155.35 64.39 62.76 66.03Arizona 204.84 191.19 184.79 84.82 80.15 80.55Arkansas 120.09 113.30 110.07 76.86 71.71 70.97California 144.09 132.52 134.76 66.33 62.05 66.17Colorado 183.64 180.72 169.21 87.10 90.55 90.85Connecticut 287.76 278.47 292.75 78.25 77.13 82.79Delaware 247.38 238.49 257.35 78.78 75.35 82.23District of Columbia 265.07 235.89 222.02 103.27 90.95 85.65Florida 283.44 266.99 251.78 87.87 85.31 80.15Georgia 268.13 231.05 220.65 102.48 98.69 102.10Hawaii 72.46 77.68 71.60 54.46 57.63 52.48Idaho 116.00 114.21 110.02 73.36 73.02 73.40Illinois 168.11 154.73 151.25 81.38 77.21 77.22Indiana 128.22 116.88 118.68 80.06 74.66 75.36Iowa 92.70 83.60 75.77 79.15 72.35 66.48Kansas 105.45 101.51 87.30 81.72 81.57 73.36Kentucky 175.42 167.66 165.72 80.22 77.22 76.40Louisiana 400.58 350.94 325.86 100.01 91.26 88.55Maine 102.27 106.73 113.08 65.72 69.13 72.59Maryland 224.72 205.73 204.86 91.28 83.74 83.58Massachusetts 169.02 167.57 165.82 55.67 55.67 55.85Michigan 91.97 83.87 82.63 76.55 72.26 79.25Minnesota 84.02 79.81 81.00 70.20 67.33 69.95Mississippi 153.57 143.22 139.93 80.24 77.79 78.89Missouri 155.56 136.50 129.59 82.73 74.44 71.69Montana 133.03 115.05 114.31 76.51 66.57 66.37Nebraska 120.33 117.02 108.45 78.93 78.80 73.61Nevada 337.18 325.83 307.04 90.29 89.68 88.72New Hampshire 115.27 127.55 120.09 67.76 75.85 70.80New Jersey 237.58 231.62 238.08 85.82 82.82 85.23New Mexico 149.42 151.45 149.65 72.90 76.34 79.45New York 236.65 223.43 233.86 84.75 80.43 84.93North Carolina 127.10 123.57 124.92 75.75 73.76 74.32North Dakota 47.95 47.80 43.14 51.65 53.25 50.77Ohio 128.64 121.11 117.32 73.96 71.29 72.87Oklahoma 142.32 126.11 130.66 72.71 65.30 69.13Oregon 201.44 188.67 181.03 80.76 76.75 77.91Pennsylvania 123.29 115.39 120.24 78.07 72.04 74.69Rhode Island 300.01 299.51 281.26 82.52 84.85 81.20South Carolina 222.92 201.82 190.54 92.00 87.04 84.94South Dakota 105.85 83.54 92.22 77.61 64.07 73.77Tennessee 133.25 125.41 122.76 76.83 72.87 73.16Texas n/a n/a n/a 69.26 70.85 71.86Utah 162.85 153.43 148.18 79.39 77.59 78.74Vermont 105.63 93.39 104.15 71.20 63.95 71.61Virginia 151.16 141.57 139.56 80.42 76.65 78.39Washington 206.96 203.64 194.67 80.90 81.52 80.76West Virginia 140.51 137.74 142.73 62.58 58.23 59.97Wisconsin 141.40 136.73 131.88 80.08 79.65 78.76Wyoming 93.09 85.63 82.53 69.13 63.64 63.20Countrywide 188.05 176.23 172.77 79.09 75.92 76.74CW w/o TX and MA 174.15 162.30 159.34 80.85 77.12 77.94

Table 8C


Pure Premiums Loss Ratio

Total Business



STATE 2015 2014 2013 2015 2014 20130.90 0.84 0.83 15,680.10 15,215.56 14,540.830.76 0.73 0.89 19,953.14 20,178.90 17,537.351.35 1.29 1.30 15,210.42 14,777.62 14,164.531.12 1.09 1.09 10,770.12 10,384.90 10,077.920.99 0.94 0.95 14,557.54 14,051.40 14,208.040.86 0.85 0.81 21,380.11 21,165.33 20,775.501.44 1.38 1.40 19,941.24 20,117.64 20,895.681.51 1.47 1.59 16,398.37 16,260.87 16,143.282.41 2.13 2.08 10,984.62 11,064.50 10,673.831.42 1.34 1.26 19,908.54 19,983.87 19,986.531.83 1.61 1.59 14,632.37 14,361.62 13,890.610.25 0.24 0.24 29,129.24 32,250.49 30,224.340.87 0.85 0.83 13,359.16 13,376.62 13,180.700.90 0.86 0.87 18,678.41 17,976.42 17,473.320.74 0.71 0.72 17,317.53 16,441.79 16,404.090.56 0.52 0.52 16,644.54 15,949.62 14,526.050.43 0.39 0.38 24,663.91 25,706.48 22,681.141.08 1.03 1.03 16,211.77 16,236.45 16,142.112.45 2.26 2.27 16,341.40 15,554.90 14,368.220.63 0.64 0.66 16,283.03 16,743.77 17,135.642.02 1.84 1.84 11,143.05 11,150.57 11,127.601.37 1.33 1.37 12,296.90 12,568.56 12,066.650.17 0.16 0.16 52,733.24 51,844.06 50,519.510.33 0.33 0.33 25,747.92 23,838.20 24,351.891.00 1.03 0.99 15,304.46 13,872.61 14,118.020.96 0.91 0.89 16,169.31 14,948.46 14,516.820.62 0.61 0.66 21,422.22 18,716.98 17,293.140.68 0.66 0.65 17,613.26 17,753.81 16,737.621.67 1.66 1.70 20,188.05 19,656.32 18,110.680.61 0.64 0.67 18,778.79 19,902.67 18,038.850.66 0.66 0.72 36,137.08 35,120.19 32,839.761.04 1.06 1.11 14,420.87 14,309.96 13,452.950.71 0.68 0.72 33,479.15 32,824.15 32,554.421.33 1.27 1.30 9,540.80 9,695.64 9,624.130.19 0.19 0.19 25,198.62 24,943.62 22,561.711.10 1.08 1.08 11,711.81 11,232.57 10,888.551.04 1.00 1.04 13,730.01 12,614.35 12,548.231.35 1.30 1.33 14,948.17 14,489.22 13,604.270.61 0.57 0.60 20,304.15 20,291.04 20,155.382.13 2.05 1.99 14,079.08 14,586.59 14,116.831.92 1.76 1.74 11,607.77 11,443.68 10,924.420.43 0.42 0.44 24,748.91 19,760.35 20,775.360.84 0.78 0.79 15,817.46 16,103.28 15,609.25

n/a n/a n/a n/a n/a n/a1.02 0.94 0.99 16,020.73 16,256.17 14,990.460.54 0.55 0.58 19,470.31 17,042.86 18,014.521.08 1.02 1.07 13,938.94 13,884.22 13,008.131.31 1.29 1.25 15,806.82 15,838.44 15,629.840.91 0.93 0.94 15,403.50 14,811.87 15,131.610.64 0.65 0.63 21,949.77 21,075.70 20,875.450.42 0.48 0.49 21,909.37 17,981.43 16,735.761.05 1.00 1.00 17,862.21 17,623.51 17,221.56

AlabamaAlaskaArizonaArkansas California Colorado Connecticut DelawareDistrict of Columbia FloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentucky LouisianaMaineMaryland Massachusetts Michigan Minnesota Mississippi MissouriMontana NebraskaNevadaNew Hampshire New JerseyNew MexicoNew YorkNorth Carolina North Dakota OhioOklahomaOregon Pennsylvania Rhode Island South Carolina South Dakota TennesseeTexasUtahVermontVirginia WashingtonWest Virginia Wisconsin Wyoming CountrywideCW w/o TX and MA 1.04 0.99 0.99 16,667.19 16,364.97 16,028.35

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


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 2015 2014 2013 2015 2014 2013Alabama 516,708,134 483,844,699 457,767,184 3,461,318 3,397,674 3,323,279Alaska 80,532,713 78,344,771 76,611,466 466,609 457,309 452,450Arizona 712,907,634 669,142,919 637,265,006 4,046,223 3,918,873 3,847,687Arkansas 278,973,844 269,707,420 261,990,714 1,820,600 1,780,770 1,767,334California 4,937,870,979 4,669,213,350 4,293,775,329 25,708,927 24,917,060 24,422,092Colorado 633,858,799 580,317,375 555,571,643 3,684,851 3,582,536 3,551,642Connecticut 404,654,631 387,299,115 376,699,739 1,998,783 1,945,505 1,905,856Delaware 109,028,886 102,627,913 95,249,474 582,867 566,955 554,345District of Columbia 52,803,612 50,064,715 48,745,741 234,398 227,158 223,032Florida 2,278,136,917 2,026,203,906 1,880,022,357 12,447,274 11,887,324 11,513,829Georgia 1,229,592,360 1,133,792,722 1,039,989,098 6,260,902 6,181,584 6,066,108Hawaii 117,849,803 114,418,785 111,195,872 812,607 789,002 769,714Idaho 122,136,869 113,363,837 108,759,443 1,007,876 983,390 975,397Illinois 1,044,345,688 998,345,467 975,310,742 6,592,088 6,565,685 6,576,358Indiana 584,659,381 547,740,897 523,862,053 4,351,755 4,298,805 4,149,368Iowa 278,825,942 262,622,715 253,796,184 2,282,511 2,253,295 2,238,151Kansas 289,455,943 280,391,476 271,263,994 1,993,189 1,971,512 1,981,896Kentucky 408,675,712 400,124,315 391,310,552 2,910,667 2,861,494 2,823,585Louisiana 628,945,937 586,528,148 549,129,656 2,682,370 2,623,286 2,579,937Maine 96,218,914 91,350,991 88,066,386 746,019 729,393 715,013Maryland 763,122,641 725,926,689 699,776,895 3,847,146 3,785,816 3,729,713Massachusetts 1,005,895,855 971,688,524 931,112,801 4,200,089 4,136,579 4,063,119Michigan 115,080,795 109,926,819 102,946,155 5,239,285 5,196,295 5,187,783Minnesota 493,882,963 459,379,408 428,494,224 3,661,008 3,599,942 3,583,761Mississippi 244,603,478 234,995,450 224,390,907 1,769,681 1,756,929 1,736,065Missouri 590,530,107 567,491,518 556,775,297 3,688,764 3,631,860 3,634,418Montana 85,939,425 81,398,712 77,000,443 705,046 688,295 678,666Nebraska 201,657,057 190,890,927 183,527,837 1,428,751 1,410,106 1,399,214Nevada 296,228,248 284,181,587 270,829,198 1,670,134 1,625,293 1,602,078New Hampshire 114,946,912 109,355,014 104,133,779 826,627 807,784 787,186New Jersey 831,152,391 789,683,044 749,687,313 4,041,230 3,944,992 3,848,720New Mexico 199,674,974 190,814,536 185,225,177 1,341,517 1,327,788 1,340,559New York 1,830,096,739 1,747,602,229 1,675,286,672 8,139,648 8,002,397 7,891,335North Carolina 854,612,575 844,203,917 867,491,325 6,842,709 6,762,697 6,926,806North Dakota 61,423,407 58,472,121 55,393,962 515,018 504,652 496,303Ohio 1,106,062,599 1,052,675,609 999,419,787 7,412,225 7,335,324 7,262,955Oklahoma 433,471,149 414,059,900 392,740,107 2,420,999 2,383,499 2,388,533Oregon 395,629,991 376,173,561 353,614,874 2,562,671 2,502,372 2,494,676Pennsylvania 1,360,081,565 1,280,937,447 1,237,568,064 7,854,160 7,728,853 7,652,345Rhode Island 134,887,374 125,502,308 119,749,949 551,289 536,122 530,160South Carolina 579,170,754 533,633,807 505,594,275 3,431,977 3,336,678 3,269,188South Dakota 68,262,189 64,729,433 62,660,730 640,384 625,430 617,266Tennessee 625,545,929 595,997,657 566,760,945 4,214,665 4,086,056 4,018,633Texas 3,884,045,490 3,639,871,403 3,386,991,844 n/a n/a n/aUtah 295,985,133 273,626,835 262,330,808 1,684,878 1,643,808 1,627,327Vermont 47,898,074 46,497,532 45,413,495 369,301 367,139 361,090Virginia 916,177,395 889,802,144 863,570,500 5,881,006 5,796,388 5,766,571Washington 632,924,523 594,255,159 571,586,150 4,096,075 3,980,750 3,943,239West Virginia 182,493,745 171,246,874 167,497,093 1,237,946 1,232,117 1,226,837Wisconsin 407,263,338 386,516,310 375,969,081 3,630,291 3,584,800 3,596,951Wyoming 54,058,243 52,100,897 50,127,185 423,668 421,308 420,003Countrywide 33,618,987,756 31,709,082,907 30,070,049,505 178,420,022 174,680,679 172,518,573CW w/o Texas 29,734,942,266 28,069,211,504 26,683,057,661 178,420,022 174,680,679 172,518,573

Table 9A

Property Damage Liability 2013-2015




STATE 2015 2014 2013 2015 2014 2013Alabama 444,630,802 402,283,714 368,168,823 109,355 105,868 103,733Alaska 61,820,058 59,740,757 63,341,238 15,218 15,053 17,145Arizona 600,521,546 536,173,285 501,083,161 161,468 156,544 152,418Arkansas 250,315,452 224,554,587 208,117,410 61,980 61,690 61,054California 3,892,028,263 3,434,098,969 3,252,648,869 1,113,227 1,038,805 1,014,909Colorado 542,951,156 497,010,267 441,316,973 143,985 142,820 136,895Connecticut 357,505,095 319,223,057 308,476,795 94,891 90,000 90,758Delaware 91,657,773 83,936,951 81,994,857 25,740 24,446 24,506District of Columbia 48,838,042 42,111,530 37,666,938 17,101 15,606 14,940Florida 1,985,844,805 1,726,169,906 1,511,736,058 586,221 534,287 502,119Georgia 1,096,151,249 947,041,711 880,184,378 292,822 270,467 265,015Hawaii 106,685,708 98,603,607 90,745,079 32,592 31,247 30,333Idaho 105,170,993 93,818,109 84,481,133 30,840 30,777 30,215Illinois 959,866,450 869,273,237 813,734,953 269,795 267,511 263,639Indiana 505,390,939 468,918,939 418,971,927 145,389 142,924 134,645Iowa 231,015,536 216,660,511 199,951,710 63,073 63,345 64,799Kansas 233,515,110 214,439,977 201,353,941 60,321 61,578 63,205Kentucky 358,168,664 321,755,453 297,619,904 107,704 101,470 100,178Louisiana 538,797,635 474,037,573 446,409,689 127,908 120,196 120,265Maine 84,220,345 77,358,430 71,890,966 26,121 25,197 24,805Maryland 697,109,597 631,049,320 588,717,810 212,856 201,225 196,253Massachusetts 746,112,576 672,836,664 635,077,535 238,160 226,202 223,941Michigan 51,520,697 49,197,977 47,345,069 21,190 21,710 23,210Minnesota 398,952,513 394,177,093 359,341,440 114,050 124,558 120,569Mississippi 212,768,760 196,290,313 179,880,068 52,662 52,305 52,229Missouri 495,755,750 434,286,784 410,459,552 142,451 136,281 135,993Montana 69,531,135 66,507,869 58,904,547 18,297 19,374 18,517Nebraska 169,846,962 155,504,790 143,021,531 43,972 43,652 44,659Nevada 249,708,494 223,093,131 204,102,265 68,704 67,879 65,245New Hampshire 106,284,460 97,254,290 91,302,750 33,009 31,409 30,985New Jersey 724,726,728 658,307,153 623,293,072 189,745 179,095 176,625New Mexico 161,215,225 149,889,370 140,881,357 42,909 44,217 44,847New York 1,560,089,359 1,416,831,898 1,384,447,159 408,277 391,457 396,945North Carolina 847,583,202 766,365,689 751,066,772 250,074 238,925 245,172North Dakota 51,603,055 49,018,173 49,805,359 14,421 14,771 15,569Ohio 927,231,209 862,075,493 781,702,064 279,082 274,362 269,639Oklahoma 355,061,654 323,263,515 301,556,036 89,656 91,450 91,546Oregon 337,193,657 301,118,648 273,088,403 97,315 97,828 94,590Pennsylvania 1,163,428,673 1,064,689,177 1,031,422,242 333,905 322,868 328,243Rhode Island 129,255,498 115,240,344 102,892,960 32,432 30,359 29,344South Carolina 506,591,027 448,664,822 411,749,625 142,547 132,644 129,886South Dakota 55,799,888 52,086,948 48,706,856 15,255 15,305 15,740Tennessee 530,701,989 467,626,805 436,172,413 135,337 125,655 124,272Texas 2,843,663,054 2,551,709,413 2,346,434,520 n/a n/a n/aUtah 245,592,162 214,833,350 207,364,989 66,878 65,648 69,853Vermont 38,185,900 36,970,826 34,806,397 12,282 12,257 12,044Virginia 773,647,807 704,003,952 671,617,382 239,844 230,397 231,491Washington 573,051,073 517,075,787 463,537,874 161,393 159,598 152,603West Virginia 138,900,250 132,717,332 125,038,588 40,451 39,553 39,705Wisconsin 336,746,181 331,844,431 311,970,678 99,606 102,414 102,385Wyoming 43,132,399 43,607,111 39,220,678 10,771 11,510 11,581Countrywide 28,036,086,555 25,235,349,038 23,534,822,793 7,093,282 6,804,739 6,709,257CW w/o Texas 25,192,423,501 22,683,639,625 21,188,388,273 7,093,282 6,804,739 6,709,257

Table 9B


Incurred Losses Incurred ClaimsVoluntary Business



STATE 2015 2014 2013 2015 2014 2013Alabama 128.46 118.40 110.78 86.05 83.14 80.43Alaska 132.49 130.64 140.00 76.76 76.25 82.68Arizona 148.42 136.82 130.23 84.24 80.13 78.63Arkansas 137.49 126.10 117.76 89.73 83.26 79.44California 151.39 137.82 133.18 78.82 73.55 75.75Colorado 147.35 138.73 124.26 85.66 85.64 79.43Connecticut 178.86 164.08 161.86 88.35 82.42 81.89Delaware 157.25 148.05 147.91 84.07 81.79 86.08District of Columbia 208.36 185.38 168.89 92.49 84.11 77.27Florida 159.54 145.21 131.30 87.17 85.19 80.41Georgia 175.08 153.20 145.10 89.15 83.53 84.63Hawaii 131.29 124.97 117.89 90.53 86.18 81.61Idaho 104.35 95.40 86.61 86.11 82.76 77.68Illinois 145.61 132.40 123.74 91.91 87.07 83.43Indiana 116.13 109.08 100.97 86.44 85.61 79.98Iowa 101.21 96.15 89.34 82.85 82.50 78.78Kansas 117.16 108.77 101.60 80.67 76.48 74.23Kentucky 123.05 112.44 105.40 87.64 80.41 76.06Louisiana 200.87 180.70 173.03 85.67 80.82 81.29Maine 112.89 106.06 100.54 87.53 84.68 81.63Maryland 181.20 166.69 157.85 91.35 86.93 84.13Massachusetts 177.64 162.66 156.30 74.17 69.24 68.21Michigan 9.83 9.47 9.13 44.77 44.76 45.99Minnesota 108.97 109.50 100.27 80.78 85.81 83.86Mississippi 120.23 111.72 103.61 86.99 83.53 80.16Missouri 134.40 119.58 112.94 83.95 76.53 73.72Montana 98.62 96.63 86.79 80.91 81.71 76.50Nebraska 118.88 110.28 102.22 84.23 81.46 77.93Nevada 149.51 137.26 127.40 84.30 78.50 75.36New Hampshire 128.58 120.40 115.99 92.46 88.93 87.68New Jersey 179.33 166.87 161.95 87.20 83.36 83.14New Mexico 120.17 112.89 105.09 80.74 78.55 76.06New York 191.67 177.05 175.44 85.25 81.07 82.64North Carolina 123.87 113.32 108.43 99.18 90.78 86.58North Dakota 100.20 97.13 100.35 84.01 83.83 89.91Ohio 125.09 117.52 107.63 83.83 81.89 78.22Oklahoma 146.66 135.63 126.25 81.91 78.07 76.78Oregon 131.58 120.33 109.47 85.23 80.05 77.23Pennsylvania 148.13 137.76 134.79 85.54 83.12 83.34Rhode Island 234.46 214.95 194.08 95.82 91.82 85.92South Carolina 147.61 134.46 125.95 87.47 84.08 81.44South Dakota 87.14 83.28 78.91 81.74 80.47 77.73Tennessee 125.92 114.44 108.54 84.84 78.46 76.96Texas n/a n/a n/a 73.21 70.10 69.28Utah 145.76 130.69 127.43 82.97 78.51 79.05Vermont 103.40 100.70 96.39 79.72 79.51 76.64Virginia 131.55 121.46 116.47 84.44 79.12 77.77Washington 139.90 129.89 117.55 90.54 87.01 81.10West Virginia 112.20 107.71 101.92 76.11 77.50 74.65Wisconsin 92.76 92.57 86.73 82.69 85.86 82.98Wyoming 101.81 103.50 93.38 79.79 83.70 78.24Countrywide 157.14 144.47 136.42 83.39 79.58 78.27CW w/o Texas 141.20 129.86 122.82 84.72 80.81 79.41

Table 9C


Pure Premium Loss RatioVoluntary Business



STATE 2015 2014 2013 2015 2014 2013Alabama 3.16 3.12 3.12 4,065.94 3,799.86 3,549.20Alaska 3.26 3.29 3.79 4,062.30 3,968.69 3,694.44Arizona 3.99 3.99 3.96 3,719.14 3,425.06 3,287.56Arkansas 3.40 3.46 3.45 4,038.65 3,640.05 3,408.74California 4.33 4.17 4.16 3,496.17 3,305.82 3,204.87Colorado 3.91 3.99 3.85 3,770.89 3,479.98 3,223.76Connecticut 4.75 4.63 4.76 3,767.53 3,546.92 3,398.89Delaware 4.42 4.31 4.42 3,560.91 3,433.57 3,345.91District of Columbia 7.30 6.87 6.70 2,855.86 2,698.42 2,521.21Florida 4.71 4.49 4.36 3,387.54 3,230.79 3,010.71Georgia 4.68 4.38 4.37 3,743.40 3,501.51 3,321.26Hawaii 4.01 3.96 3.94 3,273.37 3,155.62 2,991.63Idaho 3.06 3.13 3.10 3,410.21 3,048.32 2,796.00Illinois 4.09 4.07 4.01 3,557.76 3,249.49 3,086.55Indiana 3.34 3.32 3.24 3,476.13 3,280.90 3,111.68Iowa 2.76 2.81 2.90 3,662.67 3,420.33 3,085.72Kansas 3.03 3.12 3.19 3,871.21 3,482.41 3,185.73Kentucky 3.70 3.55 3.55 3,325.49 3,170.94 2,970.91Louisiana 4.77 4.58 4.66 4,212.38 3,943.87 3,711.88Maine 3.50 3.45 3.47 3,224.24 3,070.14 2,898.24Maryland 5.53 5.32 5.26 3,275.03 3,136.04 2,999.79Massachusetts 5.67 5.47 5.51 3,132.82 2,974.49 2,835.91Michigan 0.40 0.42 0.45 2,431.37 2,266.14 2,039.86Minnesota 3.12 3.46 3.36 3,498.05 3,164.61 2,980.38Mississippi 2.98 2.98 3.01 4,040.27 3,752.80 3,444.06Missouri 3.86 3.75 3.74 3,480.18 3,186.70 3,018.24Montana 2.60 2.81 2.73 3,800.14 3,432.84 3,181.11Nebraska 3.08 3.10 3.19 3,862.62 3,562.37 3,202.52Nevada 4.11 4.18 4.07 3,634.56 3,286.63 3,128.24New Hampshire 3.99 3.89 3.94 3,219.86 3,096.38 2,946.68New Jersey 4.70 4.54 4.59 3,819.48 3,675.74 3,528.91New Mexico 3.20 3.33 3.35 3,757.14 3,389.86 3,141.38New York 5.02 4.89 5.03 3,821.15 3,619.38 3,487.76North Carolina 3.65 3.53 3.54 3,389.33 3,207.56 3,063.43North Dakota 2.80 2.93 3.14 3,578.33 3,318.54 3,199.01Ohio 3.77 3.74 3.71 3,322.43 3,142.11 2,899.07Oklahoma 3.70 3.84 3.83 3,960.27 3,534.87 3,294.04Oregon 3.80 3.91 3.79 3,464.97 3,078.04 2,887.07Pennsylvania 4.25 4.18 4.29 3,484.31 3,297.60 3,142.25Rhode Island 5.88 5.66 5.53 3,985.43 3,795.92 3,506.44South Carolina 4.15 3.98 3.97 3,553.85 3,382.47 3,170.08South Dakota 2.38 2.45 2.55 3,657.81 3,403.26 3,094.46Tennessee 3.21 3.08 3.09 3,921.34 3,721.51 3,509.82Texas n/a n/a n/a n/a n/a n/aUtah 3.97 3.99 4.29 3,672.24 3,272.50 2,968.59Vermont 3.33 3.34 3.34 3,109.09 3,016.30 2,889.94Virginia 4.08 3.97 4.01 3,225.63 3,055.61 2,901.27Washington 3.94 4.01 3.87 3,550.66 3,239.86 3,037.54West Virginia 3.27 3.21 3.24 3,433.79 3,355.43 3,149.19Wisconsin 2.74 2.86 2.85 3,380.78 3,240.23 3,047.03Wyoming 2.54 2.73 2.76 4,004.49 3,788.63 3,386.64Countrywide 3.98 3.90 3.89 3,952.48 3,708.50 3,507.81CW w/o Texas 3.98 3.90 3.89 3,551.59 3,333.51 3,158.08

Table 9D


Frequency SeverityVoluntary Business



STATE 2015 2014 2013 2015 2014 2013Alabama 1,192 2,873 1,118 1 2 1Alaska 3,854 4,702 2,534 6 7 5Arizona 0 0 0 0 0 0Arkansas 2,774 1,619 1,701 4 2 2California 155,936 186,010 219,901 294 376 567Colorado 312 -49 0 0 0 0Connecticut 50,238 71,838 74,218 81 137 181Delaware 1,513 159 167 2 0 0District of Columbia 60,411 82,775 102,987 73 115 139Florida 77,977 346,277 837,330 133 747 1,778Georgia 0 0 0 0 0 0Hawaii 26,616 32,199 65,054 116 136 302Idaho 678 976 48 1 2 0Illinois 125,385 158,305 200,038 292 361 514Indiana 4,974 3,384 3,436 4 5 5Iowa 5,118 5,968 5,613 8 9 12Kansas 430,361 448,189 412,800 1,653 1,783 1,670Kentucky 129,496 115,407 75,861 288 302 199Louisiana 3,875 2,884 974 3 2 1Maine 1,925 3,947 4,568 4 8 10Maryland 21,772,722 20,788,869 21,390,651 43,905 40,870 41,497Massachusetts 29,894,143 36,929,601 46,186,356 54,252 69,479 92,172Michigan 264,893 326,196 357,180 3,917 5,460 5,351Minnesota 941 563 10,033 1 4 18Mississippi 6,898 6,921 7,813 8 10 13Missouri 1,321 322 3,453 2 1 12Montana 2,262 4,381 9,684 6 11 23Nebraska 1,309 148 1,048 1 0 1Nevada 238 23 332 1 0 2New Hampshire 7,516 8,901 9,262 35 42 40New Jersey 5,510,537 7,098,162 10,378,064 9,639 13,160 20,675New Mexico 1,061 411 774 1 1 1New York 17,884,892 20,043,027 24,140,163 39,920 44,961 52,950North Carolina 0 0 0 0 0 0North Dakota 2,791 2,456 2,541 3 5 2Ohio 0 0 0 0 0 0Oklahoma 4,602 5,722 8,000 8 10 16Oregon 2,484 166 68 3 1 1Pennsylvania 1,056,125 1,145,672 1,164,077 6,510 6,947 6,990Rhode Island 4,769,526 4,143,415 3,586,447 14,314 12,400 10,843South Carolina -13 1,031 189 0 1 0South Dakota 2,999 429 0 1 0 0Tennessee 4,567 3,733 6,662 7 6 9Texas 715,742 878,752 1,092,872 n/a n/a n/aUtah 2,074 1,563 1,498 4 4 5Vermont 27,492 23,953 25,768 39 38 53Virginia 224,007 263,954 304,593 383 448 527Washington 1,088 300 0 1 0 0West Virginia 4,440 4,483 7,778 10 6 12Wisconsin 5,027 1,543 251 2 0 0Wyoming 0 0 0 0 0 0Countrywide 83,254,319 93,152,160 110,703,905 175,936 197,859 236,599CW w/o Texas 82,538,577 92,273,408 109,611,033 175,936 197,859 236,599

Table 10A


Earned Premiums Earned ExposuresResidual Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0 0 3,515 0 0 1Alaska 1,053 0 -846 1 0 -1Arizona 0 0 0 0 0 0Arkansas 0 0 7,548 0 0 2California 124,790 120,395 191,740 40 42 77Colorado 0 0 0 0 0 0Connecticut 24,963 81,115 81,577 3 14 20Delaware 0 0 0 0 0 0District of Columbia 50,299 85,008 44,384 20 27 22Florida 91,065 603,834 895,182 18 166 229Georgia 0 0 0 0 0 0Hawaii 72,969 36,016 89,786 17 11 15Idaho 0 0 0 0 0 0Illinois 77,984 97,111 144,682 20 22 38Indiana 0 0 0 0 0 0Iowa 1,728 2,354 0 1 2 0Kansas 368,140 474,724 467,437 102 107 126Kentucky 146,606 158,013 30,069 39 42 10Louisiana 0 0 1,627 0 0 1Maine 10,752 26,424 3,491 3 10 3Maryland 26,105,633 20,632,585 21,216,954 6,313 5,448 5,218Massachusetts 28,298,319 31,180,346 37,384,657 8,431 9,754 12,501Michigan 18,941 12,647 23,053 12 14 11Minnesota 0 0 0 0 0 0Mississippi 0 661 0 0 1 0Missouri 0 0 0 0 0 0Montana 0 3,004 5,764 0 2 2Nebraska 0 0 13,719 0 0 4Nevada 0 0 0 0 0 0New Hampshire 4,035 1,882 1,982 2 1 1New Jersey 4,090,567 5,476,309 7,795,946 1,275 1,625 2,290New Mexico 0 0 0 0 0 0New York 21,241,498 20,154,640 23,919,370 5,149 4,881 6,083North Carolina 0 0 0 0 0 0North Dakota 1,482 2,919 0 1 3 0Ohio 0 0 0 0 0 0Oklahoma 4,089 5,346 0 1 1 0Oregon 5,544 0 0 2 0 0Pennsylvania 1,398,621 1,280,715 1,367,517 494 471 487Rhode Island 7,621,732 6,480,430 4,218,912 1,608 1,331 1,049South Carolina 0 0 0 0 0 0South Dakota 2,611 0 0 1 0 0Tennessee 0 0 2,167 0 0 1Texas 658,302 830,785 882,416 n/a n/a n/aUtah 1,069 0 0 1 0 0Vermont 12,840 18,468 5,980 4 4 4Virginia 126,100 136,096 278,782 34 39 69Washington 2,359 0 0 1 0 0West Virginia 0 11,255 2,587 0 1 1Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 90,564,091 87,913,082 99,079,998 23,593 24,019 28,264CW w/o Texas 89,905,789 87,082,297 98,197,582 23,593 24,019 28,264

Table 10B


Incurred Losses Incurred ClaimsResidual Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0.00 0.00 3,515.00 0.00 0.00 314.40Alaska 175.50 0.00 -169.20 27.32 0.00 -33.39Arizona - - - - - -Arkansas 0.00 0.00 3,774.00 0.00 0.00 443.74California 424.46 320.20 338.17 80.03 64.73 87.19Colorado - - - 0.00 0.00 -Connecticut 308.19 592.08 450.70 49.69 112.91 109.92Delaware 0.00 - - 0.00 0.00 0.00District of Columbia 689.03 739.20 319.31 83.26 102.70 43.10Florida 684.70 808.35 503.48 116.78 174.38 106.91Georgia - - - - - -Hawaii 629.04 264.82 297.30 274.15 111.85 138.02Idaho 0.00 0.00 - 0.00 0.00 0.00Illinois 267.07 269.01 281.48 62.20 61.34 72.33Indiana 0.00 0.00 0.00 0.00 0.00 0.00Iowa 216.00 261.56 0.00 33.76 39.44 0.00Kansas 222.71 266.25 279.90 85.54 105.92 113.24Kentucky 509.05 523.22 151.10 113.21 136.92 39.64Louisiana 0.00 0.00 1,627.00 0.00 0.00 167.04Maine 2,688.00 3,303.00 349.10 558.55 669.47 76.42Maryland 594.59 504.83 511.29 119.90 99.25 99.19Massachusetts 521.61 448.77 405.60 94.66 84.43 80.94Michigan 4.84 2.32 4.31 7.15 3.88 6.45Minnesota 0.00 0.00 0.00 0.00 0.00 0.00Mississippi 0.00 66.10 0.00 0.00 9.55 0.00Missouri 0.00 0.00 0.00 0.00 0.00 0.00Montana 0.00 273.09 250.61 0.00 68.57 59.52Nebraska 0.00 - 13,719.00 0.00 0.00 1,309.06Nevada 0.00 - 0.00 0.00 0.00 0.00New Hampshire 115.29 44.81 49.55 53.69 21.14 21.40New Jersey 424.38 416.13 377.07 74.23 77.15 75.12New Mexico 0.00 0.00 0.00 0.00 0.00 0.00New York 532.10 448.27 451.74 118.77 100.56 99.09North Carolina - - - - - -North Dakota 494.00 583.80 0.00 53.10 118.85 0.00Ohio - - - - - -Oklahoma 511.13 534.60 0.00 88.85 93.43 0.00Oregon 1,848.00 0.00 0.00 223.19 0.00 0.00Pennsylvania 214.84 184.36 195.64 132.43 111.79 117.48Rhode Island 532.47 522.62 389.09 159.80 156.40 117.63South Carolina - 0.00 - 0.00 0.00 0.00South Dakota 2,611.00 - - 87.06 0.00 -Tennessee 0.00 0.00 240.78 0.00 0.00 32.53Texas n/a n/a n/a 91.97 94.54 80.74Utah 267.25 0.00 0.00 51.54 0.00 0.00Vermont 329.23 486.00 112.83 46.70 77.10 23.21Virginia 329.24 303.79 529.00 56.29 51.56 91.53Washington 2,359.00 - - 216.82 0.00 -West Virginia 0.00 1,875.83 215.58 0.00 251.06 33.26Wisconsin 0.00 - - 0.00 0.00 0.00Wyoming - - - - - -Countrywide 514.76 444.32 418.77 108.78 94.38 89.50CW w/o Texas 511.01 440.12 415.04 108.93 94.37 89.59

Table 10C


Pure Premium Loss RatioResidual Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0.00 0.00 100.00 - - 3,515.00Alaska 16.67 0.00 -20.00 1,053.00 - 846.00Arizona - - - - - -Arkansas 0.00 0.00 100.00 - - 3,774.00California 13.61 11.17 13.58 3,119.75 2,866.55 2,490.13Colorado - - - - - -Connecticut 3.70 10.22 11.05 8,321.00 5,793.93 4,078.85Delaware 0.00 - - - - -District of Columbia 27.40 23.48 15.83 2,514.95 3,148.44 2,017.45Florida 13.53 22.22 12.88 5,059.17 3,637.55 3,909.09Georgia - - - - - -Hawaii 14.66 8.09 4.97 4,292.29 3,274.18 5,985.73Idaho 0.00 0.00 - - - -Illinois 6.85 6.09 7.39 3,899.20 4,414.14 3,807.42Indiana 0.00 0.00 0.00 - - -Iowa 12.50 22.22 0.00 1,728.00 1,177.00 -Kansas 6.17 6.00 7.54 3,609.22 4,436.67 3,709.82Kentucky 13.54 13.91 5.03 3,759.13 3,762.21 3,006.90Louisiana 0.00 0.00 100.00 - - 1,627.00Maine 75.00 125.00 30.00 3,584.00 2,642.40 1,163.67Maryland 14.38 13.33 12.57 4,135.22 3,787.19 4,066.11Massachusetts 15.54 14.04 13.56 3,356.46 3,196.67 2,990.53Michigan 0.31 0.26 0.21 1,578.42 903.36 2,095.73Minnesota 0.00 0.00 0.00 - - -Mississippi 0.00 10.00 0.00 - 661.00 -Missouri 0.00 0.00 0.00 - - -Montana 0.00 18.18 8.70 - 1,502.00 2,882.00Nebraska 0.00 - 400.00 - - 3,429.75Nevada 0.00 - 0.00 - - -New Hampshire 5.71 2.38 2.50 2,017.50 1,882.00 1,982.00New Jersey 13.23 12.35 11.08 3,208.29 3,370.04 3,404.34New Mexico 0.00 0.00 0.00 - - -New York 12.90 10.86 11.49 4,125.36 4,129.20 3,932.17North Carolina - - - - - -North Dakota 33.33 60.00 0.00 1,482.00 973.00 -Ohio - - - - - -Oklahoma 12.50 10.00 0.00 4,089.00 5,346.00 -Oregon 66.67 0.00 0.00 2,772.00 - -Pennsylvania 7.59 6.78 6.97 2,831.22 2,719.14 2,808.04Rhode Island 11.23 10.73 9.67 4,739.88 4,868.84 4,021.84South Carolina - 0.00 - - - -South Dakota 100.00 - - 2,611.00 - -Tennessee 0.00 0.00 11.11 - - 2,167.00Texas n/a n/a n/a n/a n/a n/aUtah 25.00 0.00 0.00 1,069.00 - -Vermont 10.26 10.53 7.55 3,210.00 4,617.00 1,495.00Virginia 8.88 8.71 13.09 3,708.82 3,489.64 4,040.32Washington 100.00 - - 2,359.00 - -West Virginia 0.00 16.67 8.33 - 11,255.00 2,587.00Wisconsin 0.00 - - - - -Wyoming - - - - - -Countrywide 13.41 12.14 11.95 3,838.60 3,660.15 3,505.52CW w/o Texas 13.41 12.14 11.95 3,810.70 3,625.56 3,474.30

Table 10D


Frequency SeverityResidual Business



STATE 2015 2014 2013 2015 2014 2013Alabama 516,709,326 483,847,572 457,768,302 3,461,319 3,397,676 3,323,280Alaska 80,536,567 78,349,473 76,614,000 466,615 457,316 452,455Arizona 712,907,634 669,142,919 637,265,006 4,046,223 3,918,873 3,847,687Arkansas 278,976,618 269,709,039 261,992,415 1,820,604 1,780,772 1,767,336California 4,938,026,915 4,669,399,360 4,293,995,230 25,709,221 24,917,436 24,422,659Colorado 633,859,111 580,317,326 555,571,643 3,684,851 3,582,536 3,551,642Connecticut 404,704,869 387,370,953 376,773,957 1,998,864 1,945,642 1,906,037Delaware 109,030,399 102,628,072 95,249,641 582,869 566,955 554,345District of Columbia 52,864,023 50,147,490 48,848,728 234,471 227,273 223,171Florida 2,278,214,894 2,026,550,183 1,880,859,687 12,447,407 11,888,071 11,515,607Georgia 1,229,592,360 1,133,792,722 1,039,989,098 6,260,902 6,181,584 6,066,108Hawaii 117,876,419 114,450,984 111,260,926 812,723 789,138 770,016Idaho 122,137,547 113,364,813 108,759,491 1,007,877 983,392 975,397Illinois 1,044,471,073 998,503,772 975,510,780 6,592,380 6,566,046 6,576,872Indiana 584,664,355 547,744,281 523,865,489 4,351,759 4,298,810 4,149,373Iowa 278,831,060 262,628,683 253,801,797 2,282,519 2,253,304 2,238,163Kansas 289,886,304 280,839,665 271,676,794 1,994,842 1,973,295 1,983,566Kentucky 408,805,208 400,239,722 391,386,413 2,910,955 2,861,796 2,823,784Louisiana 628,949,812 586,531,032 549,130,630 2,682,373 2,623,288 2,579,938Maine 96,220,839 91,354,938 88,070,954 746,023 729,401 715,023Maryland 784,895,363 746,715,558 721,167,546 3,891,051 3,826,686 3,771,210Massachusetts 1,035,789,998 1,008,618,125 977,299,157 4,254,341 4,206,058 4,155,291Michigan 115,345,688 110,253,015 103,303,335 5,243,202 5,201,755 5,193,134Minnesota 493,883,904 459,379,971 428,504,257 3,661,009 3,599,946 3,583,779Mississippi 244,610,376 235,002,371 224,398,720 1,769,689 1,756,939 1,736,078Missouri 590,531,428 567,491,840 556,778,750 3,688,766 3,631,861 3,634,430Montana 85,941,687 81,403,093 77,010,127 705,052 688,306 678,689Nebraska 201,658,366 190,891,075 183,528,885 1,428,752 1,410,106 1,399,215Nevada 296,228,486 284,181,610 270,829,530 1,670,135 1,625,293 1,602,080New Hampshire 114,954,428 109,363,915 104,143,041 826,662 807,826 787,226New Jersey 836,662,928 796,781,206 760,065,377 4,050,869 3,958,152 3,869,395New Mexico 199,676,035 190,814,947 185,225,951 1,341,518 1,327,789 1,340,560New York 1,847,981,631 1,767,645,256 1,699,426,835 8,179,568 8,047,358 7,944,285North Carolina 854,612,575 844,203,917 867,491,325 6,842,709 6,762,697 6,926,806North Dakota 61,426,198 58,474,577 55,396,503 515,021 504,657 496,305Ohio 1,106,062,599 1,052,675,609 999,419,787 7,412,225 7,335,324 7,262,955Oklahoma 433,475,751 414,065,622 392,748,107 2,421,007 2,383,509 2,388,549Oregon 395,632,475 376,173,727 353,614,942 2,562,674 2,502,373 2,494,677Pennsylvania 1,361,137,690 1,282,083,119 1,238,732,141 7,860,670 7,735,800 7,659,335Rhode Island 139,656,900 129,645,723 123,336,396 565,603 548,522 541,003South Carolina 579,170,741 533,634,838 505,594,464 3,431,977 3,336,679 3,269,188South Dakota 68,265,188 64,729,862 62,660,730 640,385 625,430 617,266Tennessee 625,550,496 596,001,390 566,767,607 4,214,672 4,086,062 4,018,642Texas 3,884,761,232 3,640,750,155 3,388,084,716 n/a n/a n/aUtah 295,987,207 273,628,398 262,332,306 1,684,882 1,643,812 1,627,332Vermont 47,925,566 46,521,485 45,439,263 369,340 367,177 361,143Virginia 916,401,402 890,066,098 863,875,093 5,881,389 5,796,836 5,767,098Washington 632,925,611 594,255,459 571,586,150 4,096,076 3,980,750 3,943,239West Virginia 182,498,185 171,251,357 167,504,871 1,237,956 1,232,123 1,226,849Wisconsin 407,268,365 386,517,853 375,969,332 3,630,293 3,584,800 3,596,951Wyoming 54,058,243 52,100,897 50,127,185 423,668 421,308 420,003Countrywide 33,702,242,075 31,802,235,067 30,180,753,410 178,595,958 174,878,538 172,755,172CW w/o Texas 29,817,480,843 28,161,484,912 26,792,668,694 178,595,958 174,878,538 172,755,172

Table 11A


Earned Premiums Earned ExposuresTotal Business



STATE 2015 2014 2013 2015 2014 2013Alabama 444,630,802 402,283,714 368,172,338 109,355 105,868 103,734Alaska 61,821,111 59,740,757 63,340,392 15,219 15,053 17,144Arizona 600,521,546 536,173,285 501,083,161 161,468 156,544 152,418Arkansas 250,315,452 224,554,587 208,124,958 61,980 61,690 61,056California 3,892,153,053 3,434,219,364 3,252,840,609 1,113,267 1,038,847 1,014,986Colorado 542,951,156 497,010,267 441,316,973 143,985 142,820 136,895Connecticut 357,530,058 319,304,172 308,558,372 94,894 90,014 90,778Delaware 91,657,773 83,936,951 81,994,857 25,740 24,446 24,506District of Columbia 48,888,341 42,196,538 37,711,322 17,121 15,633 14,962Florida 1,985,935,870 1,726,773,740 1,512,631,240 586,239 534,453 502,348Georgia 1,096,151,249 947,041,711 880,184,378 292,822 270,467 265,015Hawaii 106,758,677 98,639,623 90,834,865 32,609 31,258 30,348Idaho 105,170,993 93,818,109 84,481,133 30,840 30,777 30,215Illinois 959,944,434 869,370,348 813,879,635 269,815 267,533 263,677Indiana 505,390,939 468,918,939 418,971,927 145,389 142,924 134,645Iowa 231,017,264 216,662,865 199,951,710 63,074 63,347 64,799Kansas 233,883,250 214,914,701 201,821,378 60,423 61,685 63,331Kentucky 358,315,270 321,913,466 297,649,973 107,743 101,512 100,188Louisiana 538,797,635 474,037,573 446,411,316 127,908 120,196 120,266Maine 84,231,097 77,384,854 71,894,457 26,124 25,207 24,808Maryland 723,215,230 651,681,905 609,934,764 219,169 206,673 201,471Massachusetts 774,410,895 704,017,010 672,462,192 246,591 235,956 236,442Michigan 51,539,638 49,210,624 47,368,122 21,202 21,724 23,221Minnesota 398,952,513 394,177,093 359,341,440 114,050 124,558 120,569Mississippi 212,768,760 196,290,974 179,880,068 52,662 52,306 52,229Missouri 495,755,750 434,286,784 410,459,552 142,451 136,281 135,993Montana 69,531,135 66,510,873 58,910,311 18,297 19,376 18,519Nebraska 169,846,962 155,504,790 143,035,250 43,972 43,652 44,663Nevada 249,708,494 223,093,131 204,102,265 68,704 67,879 65,245New Hampshire 106,288,495 97,256,172 91,304,732 33,011 31,410 30,986New Jersey 728,817,295 663,783,462 631,089,018 191,020 180,720 178,915New Mexico 161,215,225 149,889,370 140,881,357 42,909 44,217 44,847New York 1,581,330,857 1,436,986,538 1,408,366,529 413,426 396,338 403,028North Carolina 847,583,202 766,365,689 751,066,772 250,074 238,925 245,172North Dakota 51,604,537 49,021,092 49,805,359 14,422 14,774 15,569Ohio 927,231,209 862,075,493 781,702,064 279,082 274,362 269,639Oklahoma 355,065,743 323,268,861 301,556,036 89,657 91,451 91,546Oregon 337,199,201 301,118,648 273,088,403 97,317 97,828 94,590Pennsylvania 1,164,827,294 1,065,969,892 1,032,789,759 334,399 323,339 328,730Rhode Island 136,877,230 121,720,774 107,111,872 34,040 31,690 30,393South Carolina 506,591,027 448,664,822 411,749,625 142,547 132,644 129,886South Dakota 55,802,499 52,086,948 48,706,856 15,256 15,305 15,740Tennessee 530,701,989 467,626,805 436,174,580 135,337 125,655 124,273Texas 2,844,321,356 2,552,540,198 2,347,316,936 n/a n/a n/aUtah 245,593,231 214,833,350 207,364,989 66,879 65,648 69,853Vermont 38,198,740 36,989,294 34,812,377 12,286 12,261 12,048Virginia 773,773,907 704,140,048 671,896,164 239,878 230,436 231,560Washington 573,053,432 517,075,787 463,537,874 161,394 159,598 152,603West Virginia 138,900,250 132,728,587 125,041,175 40,451 39,554 39,706Wisconsin 336,746,181 331,844,431 311,970,678 99,606 102,414 102,385Wyoming 43,132,399 43,607,111 39,220,678 10,771 11,510 11,581Countrywide 28,126,650,646 25,323,262,120 23,633,902,791 7,116,875 6,828,758 6,737,521CW w/o Texas 25,282,329,290 22,770,721,922 21,286,585,855 7,116,875 6,828,758 6,737,521

Table 11B


Incurred Losses Incurred ClaimsTotal Business




Table 11C


Pure Premium Loss RatioTotal Business




Table 11D


Frequency SeverityTotal 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.

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 2015 2014 2013 2015 2014 2013Alabama 27,130,612 26,069,670 24,278,540 70,181 73,314 73,867Alaska 694,837 703,997 737,677 1,330 1,473 1,653Arizona 67,428,518 63,960,769 58,577,885 148,823 147,520 142,726Arkansas 67,227,342 63,693,051 62,651,559 233,391 230,205 229,573California 141,848,293 142,184,488 138,079,520 281,805 283,809 290,268Colorado 63,114,658 58,287,501 54,462,765 165,818 161,356 158,699Connecticut 202,061,229 205,032,609 207,237,986 379,635 402,376 419,427Delaware 32,323,194 31,353,851 29,984,759 60,581 61,969 61,366District of Columbia 6,864,426 6,805,135 6,631,081 12,261 12,677 12,617Florida 178,130,638 182,146,567 182,465,261 252,302 261,905 283,891Georgia 152,328,790 140,545,711 130,179,312 301,357 302,282 318,742Hawaii 11,818,667 11,777,456 11,263,650 36,248 36,471 37,025Idaho 15,059,407 14,320,136 13,964,489 55,309 53,576 53,418Illinois 101,330,825 99,004,983 95,474,095 257,139 260,421 261,175Indiana 58,444,030 55,857,807 54,215,710 215,003 209,743 201,443Iowa 25,555,204 25,612,832 25,965,660 121,181 122,270 122,981Kansas 42,458,382 40,582,521 39,585,512 181,101 179,982 178,934Kentucky 76,792,727 74,996,427 72,010,780 200,545 202,566 202,959Louisiana 94,018,543 87,478,080 80,852,798 127,429 125,006 121,163Maine 47,212,272 46,142,741 45,013,939 197,122 195,952 193,092Maryland 89,309,572 89,419,088 85,748,549 177,920 191,094 195,505Massachusetts 0 0 0 0 0 0Michigan 48,604,823 47,060,474 44,124,790 333,872 323,163 312,085Minnesota 50,880,791 48,743,465 47,178,806 180,327 179,987 176,990Mississippi 33,900,261 31,595,788 29,474,098 95,227 91,860 90,186Missouri 110,058,811 106,330,028 104,087,844 375,686 376,269 378,906Montana 8,592,442 9,218,528 10,101,341 25,718 27,869 31,111Nebraska 16,480,174 15,836,867 15,538,974 61,827 61,104 61,511Nevada 50,718,262 47,115,133 39,456,881 76,880 77,381 72,576New Hampshire 27,924,241 26,507,534 25,309,867 80,290 77,766 75,518New Jersey 671,995,233 682,431,979 663,830,326 1,326,965 1,352,043 1,371,511New Mexico 14,429,444 13,846,680 13,041,639 36,376 36,670 36,196New York 510,678,810 514,537,688 511,385,827 1,111,778 1,142,472 1,187,438North Carolina 59,805 59,820 56,067 233 232 241North Dakota 4,954,004 4,923,221 4,928,153 39,235 38,157 36,817Ohio 151,764,339 147,857,231 148,977,514 508,171 518,643 535,701Oklahoma 79,524,545 74,850,647 67,003,970 224,446 222,209 210,305Oregon 44,532,798 42,190,342 38,684,181 110,987 108,628 106,257Pennsylvania 201,052,781 207,393,638 209,774,688 547,995 573,924 596,023Rhode Island 56,086,650 56,687,769 57,068,689 97,478 101,785 106,061South Carolina 49,511,777 47,264,254 44,853,850 119,306 119,374 119,655South Dakota 2,667,846 2,618,190 2,320,514 12,211 12,040 11,071Tennessee 90,440,972 88,341,326 85,727,653 262,545 267,305 269,669Texas 0 0 0 n/a n/a n/aUtah 24,146,071 22,569,925 20,929,465 64,846 63,520 61,965Vermont 16,881,179 17,061,606 16,549,746 68,630 70,706 67,262Virginia 75,130,302 76,046,294 73,675,913 217,952 225,196 227,357Washington 73,148,718 68,672,497 65,249,602 172,607 176,956 177,110West Virginia 15,730,948 16,165,121 16,648,613 39,009 40,697 42,492Wisconsin 72,962,518 69,895,270 67,276,004 238,246 236,402 232,945Wyoming 1,109,136 1,029,988 1,026,559 4,388 4,147 4,145Countrywide 4,005,119,847 3,952,826,723 3,843,663,101 9,909,712 10,042,472 10,159,628CW w/o Texas 4,005,119,847 3,952,826,723 3,843,663,101 9,909,712 10,042,472 10,159,628

Table 12A

BI/PD Combined Single Limits Liability 2013-2015




STATE 2015 2014 2013 2015 2014 2013Alabama 11,365,551 12,069,595 13,114,388 619 640 616Alaska 54,965 119,798 269,486 6 9 15Arizona 35,409,325 29,574,705 28,245,838 1,728 1,659 1,648Arkansas 30,008,838 26,163,257 22,266,928 1,606 1,576 1,733California 62,915,871 50,715,189 67,334,641 1,823 1,786 1,897Colorado 29,726,252 30,946,488 26,434,785 1,097 993 1,089Connecticut 81,490,273 93,837,888 111,531,890 3,533 3,534 3,780Delaware 10,837,934 12,484,638 13,585,851 875 906 985District of Columbia 3,046,609 1,961,232 2,070,430 220 207 217Florida 76,014,006 88,526,253 94,220,748 3,245 3,296 3,618Georgia 74,079,492 70,597,601 75,904,714 5,598 4,995 5,634Hawaii 2,656,688 2,555,933 4,104,515 128 150 203Idaho 7,516,345 7,791,393 6,552,539 563 663 636Illinois 45,327,911 40,447,169 47,191,588 2,042 2,111 2,057Indiana 30,366,553 30,028,569 27,628,991 1,697 1,733 1,673Iowa 14,918,358 13,845,413 11,807,063 622 627 616Kansas 18,729,894 23,024,288 15,092,700 531 488 531Kentucky 40,777,605 33,350,192 35,517,456 2,224 2,223 2,308Louisiana 54,564,795 47,121,771 48,456,624 2,487 2,381 2,397Maine 20,158,467 20,575,579 19,951,050 824 849 823Maryland 32,341,262 36,434,148 37,712,603 2,982 3,195 3,335Massachusetts 0 0 0 0 0 0Michigan 35,650,173 30,353,325 29,816,427 495 510 501Minnesota 20,938,890 15,503,667 17,678,089 511 513 584Mississippi 21,017,595 16,484,433 13,838,935 958 853 782Missouri 62,518,172 47,906,036 42,225,384 2,210 2,179 2,401Montana 5,557,665 4,167,429 4,841,817 160 125 221Nebraska 11,289,697 10,486,574 9,280,422 410 408 463Nevada 23,880,392 27,134,415 27,400,207 1,217 1,226 1,220New Hampshire 7,765,888 9,163,357 10,708,863 391 417 468New Jersey 217,793,163 247,732,435 304,082,931 5,959 6,299 6,002New Mexico 4,211,248 4,936,602 5,848,436 292 307 346New York 179,309,068 185,052,431 230,431,761 5,673 5,658 6,612North Carolina 0 5,779 0 0 2 0North Dakota 3,148,581 2,023,581 2,039,337 39 49 54Ohio 57,784,601 54,091,506 62,929,727 4,291 4,132 4,195Oklahoma 32,420,632 26,868,973 25,831,327 1,839 1,757 1,809Oregon 27,393,505 23,859,159 25,547,581 2,064 2,040 1,966Pennsylvania 67,665,213 71,407,444 78,446,269 2,392 2,541 2,761Rhode Island 20,053,304 24,669,488 23,150,386 1,261 1,295 1,400South Carolina 21,808,635 21,140,419 18,907,821 1,778 1,602 1,611South Dakota 2,016,879 1,802,983 889,835 48 41 54Tennessee 38,389,991 34,601,043 34,689,482 2,182 1,979 2,105Texas 0 0 0 n/a n/a n/aUtah 11,957,822 11,503,866 11,846,943 764 687 816Vermont 7,714,842 7,113,243 6,575,370 364 417 412Virginia 22,763,759 25,891,254 29,484,451 1,672 1,864 1,938Washington 47,633,143 41,197,899 38,406,855 3,102 3,205 3,258West Virginia 3,954,787 5,087,072 5,327,655 216 339 329Wisconsin 32,150,130 41,742,710 36,004,759 1,267 1,331 1,293Wyoming 495,578 924,248 326,858 25 31 26Countrywide 1,669,590,347 1,665,022,470 1,805,552,756 76,030 75,828 79,438CW w/o Texas 1,669,590,347 1,665,022,470 1,805,552,756 76,030 75,828 79,438

Table 12B-1


Incurred Losses - Bodily Injury Incurred Claims - Bodily InjuryVoluntary Business



STATE 2015 2014 2013 2015 2014 2013Alabama 9,167,258 8,488,466 8,432,626 2,173 2,234 2,223Alaska 235,196 165,673 203,359 48 39 45Arizona 20,174,326 18,605,515 17,759,073 5,053 4,984 4,966Arkansas 26,938,207 25,759,967 24,241,642 6,617 6,560 6,615California 40,271,844 37,198,236 37,347,755 10,119 10,219 10,726Colorado 21,666,113 19,196,519 17,846,764 5,533 5,319 5,243Connecticut 55,067,435 54,412,200 57,085,544 14,194 15,042 16,052Delaware 7,942,394 8,192,500 7,815,027 2,254 2,353 2,293District of Columbia 2,055,980 1,891,032 1,705,276 695 702 658Florida 34,429,020 32,565,291 34,609,781 9,472 9,774 10,660Georgia 53,649,991 45,167,522 46,221,666 13,956 12,981 13,915Hawaii 4,724,889 4,227,687 4,317,446 1,416 1,402 1,473Idaho 4,262,798 3,796,372 3,474,593 1,245 1,212 1,192Illinois 34,521,089 32,983,588 32,931,315 9,740 9,916 9,859Indiana 18,400,874 18,853,050 16,729,407 5,216 5,321 5,144Iowa 13,282,450 13,270,671 11,553,356 3,652 3,786 3,938Kansas 17,738,859 16,446,184 15,366,373 3,998 3,904 4,384Kentucky 23,459,694 22,508,323 21,371,402 6,688 6,469 6,583Louisiana 22,337,480 20,233,201 18,556,281 5,201 5,101 4,937Maine 16,298,711 15,532,294 15,308,358 5,161 5,158 5,209Maryland 29,679,370 29,072,723 29,128,968 8,747 9,125 9,264Massachusetts 0 0 0 0 0 0Michigan 5,679,415 6,034,097 5,572,056 2,117 2,491 2,281Minnesota 19,166,196 19,840,263 18,480,403 5,516 5,949 6,030Mississippi 10,854,451 9,827,300 8,988,827 2,703 2,616 2,509Missouri 38,666,352 36,380,071 35,145,864 11,014 11,189 11,423Montana 2,475,762 2,192,506 2,117,212 621 672 622Nebraska 7,539,785 7,513,525 7,602,256 2,084 2,217 2,281Nevada 10,983,128 9,761,524 8,795,047 2,850 2,760 2,610New Hampshire 9,875,155 8,843,215 8,154,661 2,974 2,829 2,781New Jersey 194,332,365 184,739,346 189,448,424 47,925 46,895 48,834New Mexico 3,763,846 4,083,889 4,123,261 969 1,014 1,051New York 150,134,849 146,412,907 149,728,268 39,362 39,466 41,963North Carolina 0 39,579 0 0 15 0North Dakota 2,743,423 2,438,707 2,196,247 760 683 696Ohio 50,577,005 46,766,372 45,511,475 15,186 14,840 15,392Oklahoma 31,509,775 29,223,954 25,415,187 7,668 7,554 7,043Oregon 11,050,685 10,130,606 9,140,213 3,365 3,449 3,231Pennsylvania 71,323,811 72,014,821 73,699,714 19,706 20,456 21,466Rhode Island 18,711,986 16,956,598 16,552,419 4,461 4,325 4,490South Carolina 14,684,756 13,439,334 11,949,716 4,293 3,956 3,946South Dakota 811,402 835,860 682,283 182 229 222Tennessee 31,911,509 30,168,492 28,239,472 8,621 8,458 8,483Texas 0 0 0 n/a n/a n/aUtah 8,461,538 7,382,658 7,699,657 2,238 2,065 2,363Vermont 5,016,289 4,719,365 4,673,013 1,573 1,607 1,573Virginia 24,166,021 23,245,813 22,147,124 7,516 7,605 7,651Washington 18,496,270 17,716,014 16,132,879 5,198 5,364 5,126West Virginia 3,601,904 4,145,498 4,179,551 1,045 1,203 1,162Wisconsin 19,389,768 19,908,711 17,841,132 5,609 5,869 5,838Wyoming 542,429 610,840 488,539 140 156 129Countrywide 1,222,773,853 1,163,938,879 1,146,710,912 326,874 327,533 336,575CW w/o Texas 1,222,773,853 1,163,938,879 1,146,710,912 326,874 327,533 336,575

Table 12B-2


Incurred Losses - Property Damage Incurred Claims - Property DamageVoluntary Business



STATE 2015 2014 2013 2015 2014 2013Alabama 292.57 280.41 291.70 75.68 78.86 88.75Alaska 218.17 193.80 286.05 41.76 40.55 64.10Arizona 373.49 326.60 322.33 82.43 75.33 78.54Arkansas 244.00 225.55 202.59 84.71 81.52 74.23California 366.17 309.76 360.64 72.75 61.83 75.81Colorado 309.93 310.76 279.03 81.43 86.03 81.31Connecticut 359.71 368.44 402.02 67.58 72.31 81.36Delaware 310.00 333.67 348.74 58.10 65.95 71.37District of Columbia 416.16 303.88 299.26 74.33 56.61 56.94Florida 437.74 462.35 453.80 62.00 66.48 70.61Georgia 423.85 382.97 383.15 83.85 82.37 93.81Hawaii 203.64 186.00 227.47 62.46 57.60 74.77Idaho 212.97 216.29 187.71 78.22 80.92 71.80Illinois 310.53 281.97 306.78 78.80 74.17 83.92Indiana 226.82 233.05 220.20 83.44 87.51 81.82Iowa 232.72 221.77 189.95 110.35 105.87 89.97Kansas 201.37 219.30 170.23 85.89 97.26 76.95Kentucky 320.31 275.75 280.30 83.65 74.48 79.00Louisiana 603.49 538.81 553.08 81.79 77.00 82.88Maine 184.95 184.27 182.60 77.22 78.25 78.33Maryland 348.59 342.80 341.89 69.44 73.26 77.95Massachusetts - - - - - -Michigan 123.79 112.60 113.39 85.03 77.32 80.20Minnesota 222.40 196.37 204.30 78.82 72.51 76.64Mississippi 334.70 286.43 253.12 94.02 83.28 77.45Missouri 269.33 224.00 204.20 91.94 79.27 74.33Montana 312.37 228.21 223.68 93.49 68.99 68.89Nebraska 304.55 294.58 274.47 114.26 113.66 108.65Nevada 453.48 476.81 498.72 68.74 78.31 91.73New Hampshire 219.72 231.55 249.79 63.17 67.93 74.53New Jersey 310.58 319.87 359.84 61.33 63.37 74.35New Mexico 219.24 245.99 275.49 55.27 65.15 76.46New York 296.32 290.13 320.15 64.51 64.42 74.34North Carolina 0.00 195.51 0.00 0.00 75.82 0.00North Dakota 150.17 116.95 115.04 118.93 90.64 85.95Ohio 213.24 194.46 202.43 71.40 68.21 72.79Oklahoma 284.84 252.43 243.68 80.39 74.94 76.48Oregon 346.38 312.90 326.45 86.33 80.56 89.67Pennsylvania 253.63 249.90 255.27 69.13 69.15 72.53Rhode Island 397.68 408.96 374.34 69.12 73.43 69.57South Carolina 305.88 289.68 257.89 73.71 73.16 68.80South Dakota 231.62 219.17 142.00 106.01 100.79 67.75Tennessee 267.77 242.31 233.36 77.73 73.32 73.41Texas n/a n/a n/a - - -Utah 314.89 297.33 315.45 84.57 83.68 93.39Vermont 185.50 167.35 167.23 75.42 69.35 67.97Virginia 215.32 218.20 227.09 62.46 64.61 70.08Washington 383.12 332.93 307.94 90.40 85.79 83.59West Virginia 193.72 226.86 223.74 48.04 57.11 57.11Wisconsin 216.33 260.79 231.15 70.64 88.21 80.04Wyoming 236.56 370.17 196.72 93.59 149.04 79.43Countrywide 291.87 281.70 290.59 72.22 71.57 76.81CW w/o Texas 291.87 281.70 290.59 72.22 71.57 76.81

Table 12C



Voluntary Business




Table 12C-1


Pure Premium - Bodily Injury Component Loss Ratio - Bodily Injury Component

Voluntary Business




Table 12C-2


Pure Premium - Property Damage Component Loss Ratio - Property Damage ComponentVoluntary Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0.88 0.87 0.83 18,361.15 18,858.74 21,289.59Alaska 0.45 0.61 0.91 9,160.83 13,310.89 17,965.73Arizona 1.16 1.12 1.15 20,491.51 17,826.83 17,139.46Arkansas 0.69 0.68 0.75 18,685.45 16,601.05 12,848.78California 0.65 0.63 0.65 34,512.27 28,395.96 35,495.33Colorado 0.66 0.62 0.69 27,097.77 31,164.64 24,274.37Connecticut 0.93 0.88 0.90 23,065.46 26,552.88 29,505.79Delaware 1.44 1.46 1.61 12,386.21 13,779.95 13,792.74District of Columbia 1.79 1.63 1.72 13,848.22 9,474.55 9,541.15Florida 1.29 1.26 1.27 23,424.96 26,858.69 26,042.22Georgia 1.86 1.65 1.77 13,233.21 14,133.65 13,472.62Hawaii 0.35 0.41 0.55 20,755.38 17,039.55 20,219.29Idaho 1.02 1.24 1.19 13,350.52 11,751.72 10,302.73Illinois 0.79 0.81 0.79 22,197.80 19,160.19 22,941.95Indiana 0.79 0.83 0.83 17,894.26 17,327.51 16,514.64Iowa 0.51 0.51 0.50 23,984.50 22,082.00 19,167.31Kansas 0.29 0.27 0.30 35,272.87 47,180.92 28,423.16Kentucky 1.11 1.10 1.14 18,335.25 15,002.34 15,388.85Louisiana 1.95 1.90 1.98 21,940.01 19,790.75 20,215.53Maine 0.42 0.43 0.43 24,464.16 24,235.08 24,241.86Maryland 1.68 1.67 1.71 10,845.49 11,403.49 11,308.13Massachusetts - - - - - -Michigan 0.15 0.16 0.16 72,020.55 59,516.32 59,513.83Minnesota 0.28 0.29 0.33 40,976.30 30,221.57 30,270.70Mississippi 1.01 0.93 0.87 21,939.03 19,325.24 17,696.85Missouri 0.59 0.58 0.63 28,288.77 21,985.33 17,586.58Montana 0.62 0.45 0.71 34,735.41 33,339.43 21,908.67Nebraska 0.66 0.67 0.75 27,535.85 25,702.39 20,044.11Nevada 1.58 1.58 1.68 19,622.34 22,132.48 22,459.19New Hampshire 0.49 0.54 0.62 19,861.61 21,974.48 22,882.19New Jersey 0.45 0.47 0.44 36,548.61 39,328.85 50,663.60New Mexico 0.80 0.84 0.96 14,422.08 16,080.14 16,902.99New York 0.51 0.50 0.56 31,607.45 32,706.33 34,850.54North Carolina 0.00 0.86 0.00 - 2,889.50 -North Dakota 0.10 0.13 0.15 80,732.85 41,297.57 37,765.50Ohio 0.84 0.80 0.78 13,466.46 13,090.88 15,001.13Oklahoma 0.82 0.79 0.86 17,629.49 15,292.53 14,279.34Oregon 1.86 1.88 1.85 13,272.05 11,695.67 12,994.70Pennsylvania 0.44 0.44 0.46 28,288.13 28,102.10 28,412.27Rhode Island 1.29 1.27 1.32 15,902.70 19,049.80 16,535.99South Carolina 1.49 1.34 1.35 12,265.82 13,196.27 11,736.70South Dakota 0.39 0.34 0.49 42,018.31 43,975.20 16,478.43Tennessee 0.83 0.74 0.78 17,593.95 17,484.10 16,479.56Texas n/a n/a n/a n/a n/a n/aUtah 1.18 1.08 1.32 15,651.60 16,745.07 14,518.31Vermont 0.53 0.59 0.61 21,194.62 17,058.14 15,959.64Virginia 0.77 0.83 0.85 13,614.69 13,890.16 15,213.86Washington 1.80 1.81 1.84 15,355.62 12,854.26 11,788.48West Virginia 0.55 0.83 0.77 18,309.20 15,006.11 16,193.48Wisconsin 0.53 0.56 0.56 25,375.00 31,361.92 27,845.91Wyoming 0.57 0.75 0.63 19,823.12 29,814.45 12,571.46Countrywide 0.77 0.76 0.78 21,959.63 21,957.88 22,729.08CW w/o Texas 0.77 0.76 0.78 21,959.63 21,957.88 22,729.08

Table 12D-1


Frequency - Bodily Injury Component Severity - Bodily Injury ComponentVoluntary Business




Table 12D-2


Frequency - Property Damage Component Severity - Property Damage ComponentVoluntary Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California 0 - - 0 - -Colorado 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 -732 216,026 983,385 -1 221 1,007Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 0 0 0 0 0 0Kentucky 0 0 0 0 0 0Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 0 0 0 0 0 0Massachusetts 0 0 0 0 0 0Michigan 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 54,634 68,352 74,937 51 64 68New Jersey 222,660 343,535 456,451 112 180 270New Mexico 0 0 0 0 0 0New York 61,582 52,521 57,169 34 32 19North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 0 0 0 0 0 0Pennsylvania 494 494 494 2 2 2Rhode Island 0 0 0 0 0 0South 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 0 0 0 0 0 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 338,638 680,928 1,572,436 198 499 1,366CW w/o Texas 338,638 680,928 1,572,436 198 499 1,366

Table 13A





STATE 2015 2014 2013 2015 2014 2013Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California - - - 0 - -Colorado 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 45,961 56,200 0 5 9Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 0 0 0 0 0 0Kentucky 0 0 0 0 0 0Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 0 0 0 0 0 0Massachusetts 0 0 0 0 0 0Michigan 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 0 0 0 0 0 0New Jersey 96,362 93,103 222,030 8 11 11New Mexico 0 0 0 0 0 0New York 22,684 0 0 1 0 0North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 0 0 0 0 0 0Pennsylvania 9,936 0 0 1 0 0Rhode Island 0 0 0 0 0 0South 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 0 0 0 0 0 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 128,982 139,064 278,230 10 16 20CW w/o Texas 128,982 139,064 278,230 10 16 20

Table 13B-1


Incurred Losses - Bodily Injury Incurred Claims - Bodily InjuryResidual Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California - - - 0 - -Colorado 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 24,979 155,170 0 8 63Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 0 0 0 0 0 0Kentucky 0 0 0 0 0 0Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 0 0 0 0 0 0Massachusetts 0 0 0 0 0 0Michigan 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 8,804 10,882 7,577 4 3 6New Jersey 45,663 88,479 144,042 6 11 36New Mexico 0 0 0 0 0 0New York 16,146 0 1,985 2 0 1North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 0 0 0 0 0 0Pennsylvania 0 0 0 0 0 0Rhode Island 0 0 0 0 0 0South 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 0 0 0 0 0 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 70,613 124,340 308,774 12 22 106CW w/o Texas 70,613 124,340 308,774 12 22 106

Table 13B-2


Incurred Losses - Property Damage Incurred Claims - Property DamageResidual Business



STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut - - - - - -Delaware - - - - - -District of Columbia - - - - - -Florida - - - - - -Georgia - - - - - -Hawaii 0.00 321.00 209.90 0.00 32.84 21.49Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas - - - - - -Kentucky - - - - - -Louisiana - - - - - -Maine - - - - - -Maryland - - - - - -Massachusetts - - - - - -Michigan - - - - - -Minnesota - - - - - -Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire 172.63 170.03 111.43 16.11 15.92 10.11New Jersey 1,268.08 1,008.79 1,355.82 63.79 52.86 80.20New Mexico - - - - - -New York 1,142.06 0.00 104.47 63.05 0.00 3.47North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma - - - - - -Oregon - - - - - -Pennsylvania 4,968.00 0.00 0.00 2,011.34 0.00 0.00Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a - - -Utah - - - - - -Vermont - - - - - -Virginia - - - - - -Washington - - - - - -West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 1,008.06 527.86 429.72 58.94 38.68 37.33CW w/o Texas 1,008.06 527.86 429.72 58.94 38.68 37.33

Table 13C





STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut - - - - - -Delaware - - - - - -District of Columbia - - - - - -Florida - - - - - -Georgia - - - - - -Hawaii 0.00 207.97 55.81 0.00 21.28 5.71Idaho - - - - - -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 860.38 517.24 822.33 43.28 27.10 48.64New Mexico - - - - - -New York 667.18 0.00 0.00 36.84 0.00 0.00North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma - - - - - -Oregon - - - - - -Pennsylvania 4,968.00 0.00 0.00 2,011.34 0.00 0.00Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a - - -Utah - - - - - -Vermont - - - - - -Virginia - - - - - -Washington - - - - - -West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 651.42 278.69 203.68 38.09 20.42 17.69CW w/o Texas 651.42 278.69 203.68 38.09 20.42 17.69

Table 13C-1


Pure Premium - Bodily Injury Component Loss Ratio - Bodily Injury ComponentResidual Business



STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut - - - - - -Delaware - - - - - -District of Columbia - - - - - -Florida - - - - - -Georgia - - - - - -Hawaii 0.00 113.03 154.09 0.00 11.56 15.78Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas - - - - - -Kentucky - - - - - -Louisiana - - - - - -Maine - - - - - -Maryland - - - - - -Massachusetts - - - - - -Michigan - - - - - -Minnesota - - - - - -Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire 172.63 170.03 111.43 16.11 15.92 10.11New Jersey 407.71 491.55 533.49 20.51 25.76 31.56New Mexico - - - - - -New York 474.88 0.00 104.47 26.22 0.00 3.47North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma - - - - - -Oregon - - - - - -Pennsylvania 0.00 0.00 0.00 0.00 0.00 0.00Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a - - -Utah - - - - - -Vermont - - - - - -Virginia - - - - - -Washington - - - - - -West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 356.63 249.18 226.04 20.85 18.26 19.64CW w/o Texas 356.63 249.18 226.04 20.85 18.26 19.64

Table 13C-2


Pure Premium - Property Damage Component Loss Ratio - Property Damage ComponentResidual Business



STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut - - - - - -Delaware - - - - - -District of Columbia - - - - - -Florida - - - - - -Georgia - - - - - -Hawaii 0.00 2.26 0.89 - 9,192.20 6,244.44Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas - - - - - -Kentucky - - - - - -Louisiana - - - - - -Maine - - - - - -Maryland - - - - - -Massachusetts - - - - - -Michigan - - - - - -Minnesota - - - - - -Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire 0.00 0.00 0.00 - - -New Jersey 7.14 6.11 4.07 12,045.25 8,463.91 20,184.55New Mexico - - - - - -New York 2.94 0.00 0.00 22,684.00 - -North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma - - - - - -Oregon - - - - - -Pennsylvania 50.00 0.00 0.00 9,936.00 - -Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a n/a n/a n/aUtah - - - - - -Vermont - - - - - -Virginia - - - - - -Washington - - - - - -West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 5.05 3.21 1.46 12,898.20 8,691.50 13,911.50CW w/o Texas 5.05 3.21 1.46 12,898.20 8,691.50 13,911.50

Table 13D-1


Frequency - Bodily Injury Component Severity - Bodily Injury ComponentResidual Business



STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut - - - - - -Delaware - - - - - -District of Columbia - - - - - -Florida - - - - - -Georgia - - - - - -Hawaii 0.00 3.62 6.26 - 3,122.38 2,463.02Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas - - - - - -Kentucky - - - - - -Louisiana - - - - - -Maine - - - - - -Maryland - - - - - -Massachusetts - - - - - -Michigan - - - - - -Minnesota - - - - - -Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire 7.84 4.69 8.82 2,201.00 3,627.33 1,262.83New Jersey 5.36 6.11 13.33 7,610.50 8,043.55 4,001.17New Mexico - - - - - -New York 5.88 0.00 5.26 8,073.00 - 1,985.00North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma - - - - - -Oregon - - - - - -Pennsylvania 0.00 0.00 0.00 - - -Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a n/a n/a n/aUtah - - - - - -Vermont - - - - - -Virginia - - - - - -Washington - - - - - -West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 6.06 4.41 7.76 5,884.42 5,651.82 2,912.96CW w/o Texas 6.06 4.41 7.76 5,884.42 5,651.82 2,912.96

Table 13D-2


Frequency - Property Damage Component Severity - Property Damage ComponentResidual Business



STATE 2015 2014 2013 2015 2014 2013Alabama 27,130,612 26,069,670 24,278,540 70,181 73,314 73,867Alaska 694,837 703,997 737,677 1,330 1,473 1,653Arizona 67,428,518 63,960,769 58,577,885 148,823 147,520 142,726Arkansas 67,227,342 63,693,051 62,651,559 233,391 230,205 229,573California 141,848,293 142,184,488 138,079,520 281,805 283,809 290,268Colorado 63,114,658 58,287,501 54,462,765 165,818 161,356 158,699Connecticut 202,061,229 205,032,609 207,237,986 379,635 402,376 419,427Delaware 32,323,194 31,353,851 29,984,759 60,581 61,969 61,366District of Columbia 6,864,426 6,805,135 6,631,081 12,261 12,677 12,617Florida 178,130,638 182,146,567 182,465,261 252,302 261,905 283,891Georgia 152,328,790 140,545,711 130,179,312 301,357 302,282 318,742Hawaii 11,817,935 11,993,482 12,247,035 36,247 36,692 38,032Idaho 15,059,407 14,320,136 13,964,489 55,309 53,576 53,418Illinois 101,330,825 99,004,983 95,474,095 257,139 260,421 261,175Indiana 58,444,030 55,857,807 54,215,710 215,003 209,743 201,443Iowa 25,555,204 25,612,832 25,965,660 121,181 122,270 122,981Kansas 42,458,382 40,582,521 39,585,512 181,101 179,982 178,934Kentucky 76,792,727 74,996,427 72,010,780 200,545 202,566 202,959Louisiana 94,018,543 87,478,080 80,852,798 127,429 125,006 121,163Maine 47,212,272 46,142,741 45,013,939 197,122 195,952 193,092Maryland 89,309,572 89,419,088 85,748,549 177,920 191,094 195,505Massachusetts 0 0 0 0 0 0Michigan 48,604,823 47,060,474 44,124,790 333,872 323,163 312,085Minnesota 50,880,791 48,743,465 47,178,806 180,327 179,987 176,990Mississippi 33,900,261 31,595,788 29,474,098 95,227 91,860 90,186Missouri 110,058,811 106,330,028 104,087,844 375,686 376,269 378,906Montana 8,592,442 9,218,528 10,101,341 25,718 27,869 31,111Nebraska 16,480,174 15,836,867 15,538,974 61,827 61,104 61,511Nevada 50,718,262 47,115,133 39,456,881 76,880 77,381 72,576New Hampshire 27,978,875 26,575,886 25,384,804 80,341 77,830 75,586New Jersey 672,217,893 682,775,514 664,286,777 1,327,077 1,352,223 1,371,781New Mexico 14,429,444 13,846,680 13,041,639 36,376 36,670 36,196New York 510,740,392 514,590,209 511,442,996 1,111,812 1,142,504 1,187,457North Carolina 59,805 59,820 56,067 233 232 241North Dakota 4,954,004 4,923,221 4,928,153 39,235 38,157 36,817Ohio 151,764,339 147,857,231 148,977,514 508,171 518,643 535,701Oklahoma 79,524,545 74,850,647 67,003,970 224,446 222,209 210,305Oregon 44,532,798 42,190,342 38,684,181 110,987 108,628 106,257Pennsylvania 201,053,275 207,394,132 209,775,182 547,997 573,926 596,025Rhode Island 56,086,650 56,687,769 57,068,689 97,478 101,785 106,061South Carolina 49,511,777 47,264,254 44,853,850 119,306 119,374 119,655South Dakota 2,667,846 2,618,190 2,320,514 12,211 12,040 11,071Tennessee 90,440,972 88,341,326 85,727,653 262,545 267,305 269,669Texas 0 0 0 n/a n/a n/aUtah 24,146,071 22,569,925 20,929,465 64,846 63,520 61,965Vermont 16,881,179 17,061,606 16,549,746 68,630 70,706 67,262Virginia 75,130,302 76,046,294 73,675,913 217,952 225,196 227,357Washington 73,148,718 68,672,497 65,249,602 172,607 176,956 177,110West Virginia 15,730,948 16,165,121 16,648,613 39,009 40,697 42,492Wisconsin 72,962,518 69,895,270 67,276,004 238,246 236,402 232,945Wyoming 1,109,136 1,029,988 1,026,559 4,388 4,147 4,145Countrywide 4,005,458,485 3,953,507,651 3,845,235,537 9,909,910 10,042,971 10,160,994CW w/o Texas 4,005,458,485 3,953,507,651 3,845,235,537 9,909,910 10,042,971 10,160,994

Table 14A





STATE 2015 2014 2013 2015 2014 2013Alabama 11,365,551 12,069,595 13,114,388 619 640 616Alaska 54,965 119,798 269,486 6 9 15Arizona 35,409,325 29,574,705 28,245,838 1,728 1,659 1,648Arkansas 30,008,838 26,163,257 22,266,928 1,606 1,576 1,733California 62,915,871 50,715,189 67,334,641 1,823 1,786 1,897Colorado 29,726,252 30,946,488 26,434,785 1,097 993 1,089Connecticut 81,490,273 93,837,888 111,531,890 3,533 3,534 3,780Delaware 10,837,934 12,484,638 13,585,851 875 906 985District of Columbia 3,046,609 1,961,232 2,070,430 220 207 217Florida 76,014,006 88,526,253 94,220,748 3,245 3,296 3,618Georgia 74,079,492 70,597,601 75,904,714 5,598 4,995 5,634Hawaii 2,656,688 2,601,894 4,160,715 128 155 212Idaho 7,516,345 7,791,393 6,552,539 563 663 636Illinois 45,327,911 40,447,169 47,191,588 2,042 2,111 2,057Indiana 30,366,553 30,028,569 27,628,991 1,697 1,733 1,673Iowa 14,918,358 13,845,413 11,807,063 622 627 616Kansas 18,729,894 23,024,288 15,092,700 531 488 531Kentucky 40,777,605 33,350,192 35,517,456 2,224 2,223 2,308Louisiana 54,564,795 47,121,771 48,456,624 2,487 2,381 2,397Maine 20,158,467 20,575,579 19,951,050 824 849 823Maryland 32,341,262 36,434,148 37,712,603 2,982 3,195 3,335Massachusetts 0 0 0 0 0 0Michigan 35,650,173 30,353,325 29,816,427 495 510 501Minnesota 20,938,890 15,503,667 17,678,089 511 513 584Mississippi 21,017,595 16,484,433 13,838,935 958 853 782Missouri 62,518,172 47,906,036 42,225,384 2,210 2,179 2,401Montana 5,557,665 4,167,429 4,841,817 160 125 221Nebraska 11,289,697 10,486,574 9,280,422 410 408 463Nevada 23,880,392 27,134,415 27,400,207 1,217 1,226 1,220New Hampshire 7,765,888 9,163,357 10,708,863 391 417 468New Jersey 217,889,525 247,825,538 304,304,961 5,967 6,310 6,013New Mexico 4,211,248 4,936,602 5,848,436 292 307 346New York 179,331,752 185,052,431 230,431,761 5,674 5,658 6,612North Carolina 0 5,779 0 0 2 0North Dakota 3,148,581 2,023,581 2,039,337 39 49 54Ohio 57,784,601 54,091,506 62,929,727 4,291 4,132 4,195Oklahoma 32,420,632 26,868,973 25,831,327 1,839 1,757 1,809Oregon 27,393,505 23,859,159 25,547,581 2,064 2,040 1,966Pennsylvania 67,675,149 71,407,444 78,446,269 2,393 2,541 2,761Rhode Island 20,053,304 24,669,488 23,150,386 1,261 1,295 1,400South Carolina 21,808,635 21,140,419 18,907,821 1,778 1,602 1,611South Dakota 2,016,879 1,802,983 889,835 48 41 54Tennessee 38,389,991 34,601,043 34,689,482 2,182 1,979 2,105Texas 0 0 0 n/a n/a n/aUtah 11,957,822 11,503,866 11,846,943 764 687 816Vermont 7,714,842 7,113,243 6,575,370 364 417 412Virginia 22,763,759 25,891,254 29,484,451 1,672 1,864 1,938Washington 47,633,143 41,197,899 38,406,855 3,102 3,205 3,258West Virginia 3,954,787 5,087,072 5,327,655 216 339 329Wisconsin 32,150,130 41,742,710 36,004,759 1,267 1,331 1,293Wyoming 495,578 924,248 326,858 25 31 26Countrywide 1,669,719,329 1,665,161,534 1,805,830,986 76,040 75,844 79,458CW w/o Texas 1,669,719,329 1,665,161,534 1,805,830,986 76,040 75,844 79,458

Table 14B-1


Incurred Losses - Bodily Injury Incurred Claims - Bodily InjuryTotal Business



STATE 2015 2014 2013 2015 2014 2013Alabama 9,167,258 8,488,466 8,432,626 2,173 2,234 2,223Alaska 235,196 165,673 203,359 48 39 45Arizona 20,174,326 18,605,515 17,759,073 5,053 4,984 4,966Arkansas 26,938,207 25,759,967 24,241,642 6,617 6,560 6,615California 40,271,844 37,198,236 37,347,755 10,119 10,219 10,726Colorado 21,666,113 19,196,519 17,846,764 5,533 5,319 5,243Connecticut 55,067,435 54,412,200 57,085,544 14,194 15,042 16,052Delaware 7,942,394 8,192,500 7,815,027 2,254 2,353 2,293District of Columbia 2,055,980 1,891,032 1,705,276 695 702 658Florida 34,429,020 32,565,291 34,609,781 9,472 9,774 10,660Georgia 53,649,991 45,167,522 46,221,666 13,956 12,981 13,915Hawaii 4,724,889 4,252,666 4,472,616 1,416 1,410 1,536Idaho 4,262,798 3,796,372 3,474,593 1,245 1,212 1,192Illinois 34,521,089 32,983,588 32,931,315 9,740 9,916 9,859Indiana 18,400,874 18,853,050 16,729,407 5,216 5,321 5,144Iowa 13,282,450 13,270,671 11,553,356 3,652 3,786 3,938Kansas 17,738,859 16,446,184 15,366,373 3,998 3,904 4,384Kentucky 23,459,694 22,508,323 21,371,402 6,688 6,469 6,583Louisiana 22,337,480 20,233,201 18,556,281 5,201 5,101 4,937Maine 16,298,711 15,532,294 15,308,358 5,161 5,158 5,209Maryland 29,679,370 29,072,723 29,128,968 8,747 9,125 9,264Massachusetts 0 0 0 0 0 0Michigan 5,679,415 6,034,097 5,572,056 2,117 2,491 2,281Minnesota 19,166,196 19,840,263 18,480,403 5,516 5,949 6,030Mississippi 10,854,451 9,827,300 8,988,827 2,703 2,616 2,509Missouri 38,666,352 36,380,071 35,145,864 11,014 11,189 11,423Montana 2,475,762 2,192,506 2,117,212 621 672 622Nebraska 7,539,785 7,513,525 7,602,256 2,084 2,217 2,281Nevada 10,983,128 9,761,524 8,795,047 2,850 2,760 2,610New Hampshire 9,883,959 8,854,097 8,162,238 2,978 2,832 2,787New Jersey 194,378,028 184,827,825 189,592,466 47,931 46,906 48,870New Mexico 3,763,846 4,083,889 4,123,261 969 1,014 1,051New York 150,150,995 146,412,907 149,730,253 39,364 39,466 41,964North Carolina 0 39,579 0 0 15 0North Dakota 2,743,423 2,438,707 2,196,247 760 683 696Ohio 50,577,005 46,766,372 45,511,475 15,186 14,840 15,392Oklahoma 31,509,775 29,223,954 25,415,187 7,668 7,554 7,043Oregon 11,050,685 10,130,606 9,140,213 3,365 3,449 3,231Pennsylvania 71,323,811 72,014,821 73,699,714 19,706 20,456 21,466Rhode Island 18,711,986 16,956,598 16,552,419 4,461 4,325 4,490South Carolina 14,684,756 13,439,334 11,949,716 4,293 3,956 3,946South Dakota 811,402 835,860 682,283 182 229 222Tennessee 31,911,509 30,168,492 28,239,472 8,621 8,458 8,483Texas 0 0 0 n/a n/a n/aUtah 8,461,538 7,382,658 7,699,657 2,238 2,065 2,363Vermont 5,016,289 4,719,365 4,673,013 1,573 1,607 1,573Virginia 24,166,021 23,245,813 22,147,124 7,516 7,605 7,651Washington 18,496,270 17,716,014 16,132,879 5,198 5,364 5,126West Virginia 3,601,904 4,145,498 4,179,551 1,045 1,203 1,162Wisconsin 19,389,768 19,908,711 17,841,132 5,609 5,869 5,838Wyoming 542,429 610,840 488,539 140 156 129Countrywide 1,222,844,466 1,164,063,219 1,147,019,686 326,886 327,555 336,681CW w/o Texas 1,222,844,466 1,164,063,219 1,147,019,686 326,886 327,555 336,681

Table 14B-2


Incurred Losses - Property Damage Incurred Claims - Property DamageTotal Business




Table 14C






Table 14C-1


Pure Premium - Bodily Injury Component Loss Ratio - Bodily Injury ComponentTotal Business




Table 14C-2


Pure Premium - Property Damage Component Loss Ratio - Property Damage ComponentTotal Business




Table 14D-1


Frequency - Bodily Injury Component Severity - Bodily Injury ComponentTotal Business




Table 14D-2


Frequency - Property Damage Component Severity - Property Damage ComponentTotal 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. However, on Oct. 1, 2007, the no-fault laws in Florida were suspended through Jan. 1, 2008.

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


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$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.

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, driverschoose whether they want to be insured under a pureno-fault plan or retain some traditional tort rightssimilar 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 and 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.


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STATE 2015 2014 2013 2015 2014 2013Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 7,274 7,935 7,483 0 0 0California - - - - - -Colorado 0 0 0 0 0 0Connecticut 5,134,333 5,295,046 5,282,882 160,477 170,969 185,558Delaware 128,640,599 127,027,072 123,748,447 649,191 634,152 621,522District of Columbia 5,884,021 5,870,255 5,915,947 163,478 161,102 160,612Florida 2,982,819,404 3,019,380,524 3,223,671,961 12,725,312 12,176,544 11,828,406Georgia 0 0 0 0 0 0Hawaii 76,985,687 75,629,988 74,068,279 853,118 829,583 810,729Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 114,532,706 114,667,109 113,036,976 2,172,245 2,152,520 2,162,143Kentucky 308,405,799 299,258,079 294,883,054 3,117,680 3,070,249 3,032,699Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 288,194,734 283,031,116 276,849,829 4,037,143 3,989,762 3,938,870Massachusetts 229,698,103 222,504,905 212,552,172 4,207,614 4,134,337 4,059,850Michigan 3,291,508,490 3,194,155,293 2,942,011,984 5,626,062 5,563,343 5,533,771Minnesota 586,763,637 577,821,295 568,485,743 3,875,165 3,812,749 3,793,396Mississippi 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 0 0 0 0 0 0New Jersey 1,614,883,665 1,639,467,239 1,630,256,588 5,416,468 5,343,311 5,262,796New Mexico 0 0 0 0 0 0New York 2,271,553,020 2,263,678,600 2,262,555,438 9,400,165 9,297,154 9,229,882North Carolina 0 0 0 0 0 0North Dakota 37,038,056 36,386,017 34,647,648 561,199 549,477 538,620Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 297,713,780 295,766,494 283,504,105 2,702,961 2,639,688 2,628,727Pennsylvania 653,741,892 663,232,942 673,576,970 8,387,717 8,319,670 8,263,745Rhode Island 0 0 0 0 0 0South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 458,032,922 446,918,184 433,421,924 n/a n/a n/aUtah 75,714,222 73,586,470 72,152,285 1,757,422 1,714,461 1,696,136Vermont 0 0 0 0 0 0Virginia 0 0 0 0 0 0Washington 302,053,415 300,568,188 292,265,669 3,207,575 3,168,790 3,163,049West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 13,729,305,759 13,644,252,751 13,522,895,384 69,020,992 67,727,861 66,910,511CW w/o Texas 13,271,272,837 13,197,334,567 13,089,473,460 69,020,992 67,727,861 66,910,511

Table 15A

Personal Injury Protection 2013-2015




STATE 2015 2014 2013 2015 2014 2013Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 6,850 0 2,144 1 0 1California - - - - - -Colorado 0 0 0 0 0 0Connecticut 3,963,492 4,158,841 5,039,718 825 771 857Delaware 104,957,844 95,894,683 98,156,076 14,414 12,301 12,195District of Columbia 3,764,446 3,161,843 4,991,266 654 585 740Florida 2,663,289,898 2,281,659,398 2,040,742,693 372,197 337,629 313,393Georgia 0 0 0 0 0 0Hawaii 48,316,338 46,928,015 45,118,378 9,335 9,132 9,363Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 76,170,833 70,147,202 69,888,148 17,751 16,814 17,849Kentucky 236,556,386 223,398,702 220,799,981 64,709 59,839 62,371Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 229,022,259 214,897,341 214,603,870 88,016 82,462 81,835Massachusetts 153,996,261 134,849,039 129,188,235 39,664 35,896 35,452Michigan 3,686,760,436 2,673,747,662 3,206,935,393 44,626 45,388 46,260Minnesota 400,982,194 387,093,589 398,970,358 42,698 43,877 45,131Mississippi 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 0 0 0 0 0 0New Jersey 1,223,784,139 1,162,942,983 1,189,828,588 92,100 90,238 92,496New Mexico 0 0 0 0 0 0New York 1,650,555,040 1,597,639,710 1,635,529,948 184,311 185,694 196,938North Carolina 0 0 0 0 0 0North Dakota 24,396,353 23,217,666 24,393,335 3,350 3,373 3,536Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 212,261,380 192,374,113 195,322,505 43,795 39,856 39,616Pennsylvania 465,519,406 470,829,094 497,487,309 126,314 123,653 131,075Rhode Island 0 0 0 0 0 0South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 290,891,080 282,006,932 279,263,418 n/a n/a n/aUtah 56,192,053 50,979,028 49,470,084 21,203 19,627 20,120Vermont 0 0 0 0 0 0Virginia 0 0 0 0 0 0Washington 231,874,317 223,003,487 223,943,347 46,247 45,039 44,111West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 11,763,261,005 10,138,929,328 10,529,674,794 1,212,210 1,152,174 1,153,339CW w/o Texas 11,472,369,925 9,856,922,396 10,250,411,376 1,212,210 1,152,174 1,153,339

Table 15B





STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - 94.17 0.00 28.65California - - - - - -Colorado - - - - - -Connecticut 24.70 24.33 27.16 77.20 78.54 95.40Delaware 161.67 151.22 157.93 81.59 75.49 79.32District of Columbia 23.03 19.63 31.08 63.98 53.86 84.37Florida 209.29 187.38 172.53 89.29 75.57 63.30Georgia - - - - - -Hawaii 56.64 56.57 55.65 62.76 62.05 60.91Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas 35.07 32.59 32.32 66.51 61.17 61.83Kentucky 75.88 72.76 72.81 76.70 74.65 74.88Louisiana - - - - - -Maine - - - - - -Maryland 56.73 53.86 54.48 79.47 75.93 77.52Massachusetts 36.60 32.62 31.82 67.04 60.60 60.78Michigan 655.30 480.60 579.52 112.01 83.71 109.00Minnesota 103.47 101.53 105.17 68.34 66.99 70.18Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire - - - - - -New Jersey 225.94 217.64 226.08 75.78 70.93 72.98New Mexico - - - - - -New York 175.59 171.84 177.20 72.66 70.58 72.29North Carolina - - - - - -North Dakota 43.47 42.25 45.29 65.87 63.81 70.40Ohio - - - - - -Oklahoma - - - - - -Oregon 78.53 72.88 74.30 71.30 65.04 68.90Pennsylvania 55.50 56.59 60.20 71.21 70.99 73.86Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a 63.51 63.10 64.43Utah 31.97 29.73 29.17 74.22 69.28 68.56Vermont - - - - - -Virginia - - - - - -Washington 72.29 70.37 70.80 76.77 74.19 76.62West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 170.43 149.70 157.37 85.68 74.31 77.87CW w/o Texas 166.22 145.54 153.20 86.45 74.69 78.31

Table 15C





STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - 6,850.00 - 2,144.00California - - - - - -Colorado - - - - - -Connecticut 0.51 0.45 0.46 4,804.23 5,394.09 5,880.65Delaware 2.22 1.94 1.96 7,281.66 7,795.68 8,048.88District of Columbia 0.40 0.36 0.46 5,756.03 5,404.86 6,744.95Florida 2.92 2.77 2.65 7,155.59 6,757.89 6,511.77Georgia - - - - - -Hawaii 1.09 1.10 1.15 5,175.83 5,138.85 4,818.80Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas 0.82 0.78 0.83 4,291.07 4,171.95 3,915.52Kentucky 2.08 1.95 2.06 3,655.70 3,733.33 3,540.11Louisiana - - - - - -Maine - - - - - -Maryland 2.18 2.07 2.08 2,602.05 2,606.02 2,622.40Massachusetts 0.94 0.87 0.87 3,882.52 3,756.66 3,644.03Michigan 0.79 0.82 0.84 82,614.63 58,908.69 69,324.15Minnesota 1.10 1.15 1.19 9,391.12 8,822.24 8,840.27Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire - - - - - -New Jersey 1.70 1.69 1.76 13,287.56 12,887.51 12,863.57New Mexico - - - - - -New York 1.96 2.00 2.13 8,955.27 8,603.62 8,304.80North Carolina - - - - - -North Dakota 0.60 0.61 0.66 7,282.49 6,883.39 6,898.57Ohio - - - - - -Oklahoma - - - - - -Oregon 1.62 1.51 1.51 4,846.70 4,826.73 4,930.39Pennsylvania 1.51 1.49 1.59 3,685.41 3,807.66 3,795.44Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a n/a n/a n/aUtah 1.21 1.14 1.19 2,650.19 2,597.39 2,458.75Vermont - - - - - -Virginia - - - - - -Washington 1.44 1.42 1.39 5,013.82 4,951.34 5,076.81West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 1.76 1.70 1.72 9,703.98 8,799.82 9,129.73CW w/o Texas 1.76 1.70 1.72 9,464.01 8,555.06 8,887.60

Table 15D





STATE 2015 2014 2013 2015 2014 2013Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California 0 - - 0 - -Colorado 0 0 0 0 0 0Connecticut 590 901 277 0 1 0Delaware 2,954 184 214 3 0 0District of Columbia 2,922 4,341 6,534 16 22 47Florida 311,645 1,208,392 2,760,293 114 744 1,768Georgia 0 0 0 0 0 0Hawaii 38,025 42,299 85,359 115 137 307Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 134,505 151,343 144,167 1,653 1,783 1,670Kentucky 135,867 129,821 91,543 289 301 199Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 6,930,959 6,213,251 6,326,035 43,857 40,821 41,454Massachusetts 9,506,392 11,842,713 14,692,165 54,281 69,509 92,197Michigan 7,693,290 10,744,080 9,171,908 3,904 5,439 5,351Minnesota 1,612 1,606 11,742 1 4 18Mississippi 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 0 0 0 0 0 0New Jersey 8,706,084 11,897,553 18,474,772 9,734 13,313 20,918New Mexico 0 0 0 0 0 0New York 33,899,296 39,440,184 49,059,602 39,950 44,970 52,977North Carolina 0 0 0 0 0 0North Dakota 1,600 1,319 1,353 3 5 2Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 1,432 63 -194 3 0 0Pennsylvania 877,113 949,533 939,719 6,513 6,949 6,995Rhode Island 0 0 0 0 0 0South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 36,901 48,167 53,265 n/a n/a n/aUtah 402 358 117 4 4 5Vermont 0 0 0 0 0 0Virginia 0 0 0 0 0 0Washington 647 0 0 1 0 0West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 68,282,236 82,676,108 101,818,871 160,441 184,002 223,908CW w/o Texas 68,245,335 82,627,941 101,765,606 160,441 184,002 223,908

Table 16A





STATE 2015 2014 2013 2015 2014 2013Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California - - - 0 - -Colorado 0 0 0 0 0 0Connecticut 0 0 0 0 0 0Delaware 0 0 0 0 0 0District of Columbia 4,260 0 352 1 0 0Florida 291,766 3,417,534 5,807,461 13 397 646Georgia 0 0 0 0 0 0Hawaii 2,999 0 39,087 1 0 5Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 105,908 115,005 84,328 22 36 24Kentucky 238,436 230,401 111,489 32 38 17Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 7,916,559 5,988,917 6,683,526 3,126 2,490 2,489Massachusetts 7,523,352 8,459,398 11,417,422 1,909 2,164 2,925Michigan 10,439,308 5,041,552 11,067,247 159 132 107Minnesota 0 0 38,223 0 0 2Mississippi 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 0 0 0 0 0 0New Jersey 8,911,187 13,513,274 17,590,997 681 838 1,307New Mexico 0 0 0 0 0 0New York 33,523,465 36,593,920 43,290,097 1,945 2,200 2,817North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 0 0 0 0 0 0Pennsylvania 1,066,808 1,285,821 933,683 216 254 227Rhode Island 0 0 0 0 0 0South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 16,789 7,833 5,047 n/a n/a n/aUtah 0 0 0 0 0 0Vermont 0 0 0 0 0 0Virginia 0 0 0 0 0 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 70,040,837 74,653,655 97,068,959 8,105 8,549 10,566CW w/o Texas 70,024,048 74,645,822 97,063,912 8,105 8,549 10,566

Table 16B





STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut - 0.00 - 0.00 0.00 0.00Delaware 0.00 - - 0.00 0.00 0.00District of Columbia 266.25 0.00 7.49 145.79 0.00 5.39Florida 2,559.35 4,593.46 3,284.76 93.62 282.82 210.39Georgia - - - - - -Hawaii 26.08 0.00 127.32 7.89 0.00 45.79Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas 64.07 64.50 50.50 78.74 75.99 58.49Kentucky 825.04 765.45 560.25 175.49 177.48 121.79Louisiana - - - - - -Maine - - - - - -Maryland 180.51 146.71 161.23 114.22 96.39 105.65Massachusetts 138.60 121.70 123.84 79.14 71.43 77.71Michigan 2,674.00 926.93 2,068.26 135.69 46.92 120.66Minnesota 0.00 0.00 2,123.50 0.00 0.00 325.52Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire - - - - - -New Jersey 915.47 1,015.04 840.95 102.36 113.58 95.22New Mexico - - - - - -New York 839.14 813.74 817.15 98.89 92.78 88.24North Carolina - - - - - -North Dakota 0.00 0.00 0.00 0.00 0.00 0.00Ohio - - - - - -Oklahoma - - - - - -Oregon 0.00 - - 0.00 0.00 0.00Pennsylvania 163.80 185.04 133.48 121.63 135.42 99.36Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a 45.50 16.26 9.48Utah 0.00 0.00 0.00 0.00 0.00 0.00Vermont - - - - - -Virginia - - - - - -Washington 0.00 - - 0.00 - -West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 436.55 405.72 433.52 102.58 90.30 95.33CW w/o Texas 436.45 405.68 433.50 102.61 90.34 95.38

Table 16C





STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut - 0.00 - - - -Delaware 0.00 - - - - -District of Columbia 6.25 0.00 0.00 4,260.00 - -Florida 11.40 53.36 36.54 22,443.54 8,608.40 8,989.88Georgia - - - - - -Hawaii 0.87 0.00 1.63 2,999.00 - 7,817.40Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas 1.33 2.02 1.44 4,814.00 3,194.58 3,513.67Kentucky 11.07 12.62 8.54 7,451.13 6,063.18 6,558.18Louisiana - - - - - -Maine - - - - - -Maryland 7.13 6.10 6.00 2,532.49 2,405.19 2,685.23Massachusetts 3.52 3.11 3.17 3,940.99 3,909.15 3,903.39Michigan 4.07 2.43 2.00 65,656.03 38,193.58 103,432.21Minnesota 0.00 0.00 11.11 - - 19,111.50Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire - - - - - -New Jersey 7.00 6.29 6.25 13,085.44 16,125.63 13,459.06New Mexico - - - - - -New York 4.87 4.89 5.32 17,235.71 16,633.60 15,367.45North Carolina - - - - - -North Dakota 0.00 0.00 0.00 - - -Ohio - - - - - -Oklahoma - - - - - -Oregon 0.00 - - - - -Pennsylvania 3.32 3.66 3.25 4,938.93 5,062.29 4,113.14Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a n/a n/a n/aUtah 0.00 0.00 0.00 - - -Vermont - - - - - -Virginia - - - - - -Washington 0.00 - - - - -West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 5.05 4.65 4.72 8,641.68 8,732.44 9,186.92CW w/o Texas 5.05 4.65 4.72 8,639.61 8,731.53 9,186.44

Table 16D





STATE 2015 2014 2013 2015 2014 2013Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 7,274 7,935 7,483 0 0 0California 0 - - 0 - -Colorado 0 0 0 0 0 0Connecticut 5,134,923 5,295,947 5,283,159 160,477 170,970 185,558Delaware 128,643,553 127,027,256 123,748,661 649,194 634,152 621,522District of Columbia 5,886,943 5,874,596 5,922,481 163,494 161,124 160,659Florida 2,983,131,049 3,020,588,916 3,226,432,254 12,725,426 12,177,288 11,830,174Georgia 0 0 0 0 0 0Hawaii 77,023,712 75,672,287 74,153,638 853,233 829,720 811,036Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 114,667,211 114,818,452 113,181,143 2,173,898 2,154,303 2,163,813Kentucky 308,541,666 299,387,900 294,974,597 3,117,969 3,070,550 3,032,898Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 295,125,693 289,244,367 283,175,864 4,081,000 4,030,583 3,980,324Massachusetts 239,204,495 234,347,618 227,244,337 4,261,895 4,203,846 4,152,047Michigan 3,299,201,780 3,204,899,373 2,951,183,892 5,629,966 5,568,782 5,539,122Minnesota 586,765,249 577,822,901 568,497,485 3,875,166 3,812,753 3,793,414Mississippi 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 0 0 0 0 0 0New Jersey 1,623,589,749 1,651,364,792 1,648,731,360 5,426,202 5,356,624 5,283,714New Mexico 0 0 0 0 0 0New York 2,305,452,316 2,303,118,784 2,311,615,040 9,440,115 9,342,124 9,282,859North Carolina 0 0 0 0 0 0North Dakota 37,039,656 36,387,336 34,649,001 561,202 549,482 538,622Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 297,715,212 295,766,557 283,503,911 2,702,964 2,639,688 2,628,727Pennsylvania 654,619,005 664,182,475 674,516,689 8,394,230 8,326,619 8,270,740Rhode Island 0 0 0 0 0 0South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 458,069,823 446,966,351 433,475,189 n/a n/a n/aUtah 75,714,624 73,586,828 72,152,402 1,757,426 1,714,465 1,696,141Vermont 0 0 0 0 0 0Virginia 0 0 0 0 0 0Washington 302,054,062 300,568,188 292,265,669 3,207,576 3,168,790 3,163,049West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 13,797,587,995 13,726,928,859 13,624,714,255 69,181,433 67,911,863 67,134,419CW w/o Texas 13,339,518,172 13,279,962,508 13,191,239,066 69,181,433 67,911,863 67,134,419

Table 17A





STATE 2015 2014 2013 2015 2014 2013Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 6,850 0 2,144 1 0 1California - - - 0 - -Colorado 0 0 0 0 0 0Connecticut 3,963,492 4,158,841 5,039,718 825 771 857Delaware 104,957,844 95,894,683 98,156,076 14,414 12,301 12,195District of Columbia 3,768,706 3,161,843 4,991,618 655 585 740Florida 2,663,581,664 2,285,076,932 2,046,550,154 372,210 338,026 314,039Georgia 0 0 0 0 0 0Hawaii 48,319,337 46,928,015 45,157,465 9,336 9,132 9,368Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 76,276,741 70,262,207 69,972,476 17,773 16,850 17,873Kentucky 236,794,822 223,629,103 220,911,470 64,741 59,877 62,388Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 236,938,818 220,886,258 221,287,396 91,142 84,952 84,324Massachusetts 161,519,613 143,308,437 140,605,657 41,573 38,060 38,377Michigan 3,697,199,744 2,678,789,214 3,218,002,640 44,785 45,520 46,367Minnesota 400,982,194 387,093,589 399,008,581 42,698 43,877 45,133Mississippi 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 0 0 0 0 0 0New Jersey 1,232,695,326 1,176,456,257 1,207,419,585 92,781 91,076 93,803New Mexico 0 0 0 0 0 0New York 1,684,078,505 1,634,233,630 1,678,820,045 186,256 187,894 199,755North Carolina 0 0 0 0 0 0North Dakota 24,396,353 23,217,666 24,393,335 3,350 3,373 3,536Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 212,261,380 192,374,113 195,322,505 43,795 39,856 39,616Pennsylvania 466,586,214 472,114,915 498,420,992 126,530 123,907 131,302Rhode Island 0 0 0 0 0 0South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 290,907,869 282,014,765 279,268,465 n/a n/a n/aUtah 56,192,053 50,979,028 49,470,084 21,203 19,627 20,120Vermont 0 0 0 0 0 0Virginia 0 0 0 0 0 0Washington 231,874,317 223,003,487 223,943,347 46,247 45,039 44,111West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 11,833,301,842 10,213,582,983 10,626,743,753 1,220,315 1,160,723 1,163,905CW w/o Texas 11,542,393,973 9,931,568,218 10,347,475,288 1,220,315 1,160,723 1,163,905

Table 17B





STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - 94.17 0.00 28.65California - - - - - -Colorado - - - - - -Connecticut 24.70 24.32 27.16 77.19 78.53 95.39Delaware 161.67 151.22 157.93 81.59 75.49 79.32District of Columbia 23.05 19.62 31.07 64.02 53.82 84.28Florida 209.31 187.65 172.99 89.29 75.65 63.43Georgia - - - - - -Hawaii 56.63 56.56 55.68 62.73 62.01 60.90Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas 35.09 32.61 32.34 66.52 61.19 61.82Kentucky 75.95 72.83 72.84 76.75 74.70 74.89Louisiana - - - - - -Maine - - - - - -Maryland 58.06 54.80 55.60 80.28 76.37 78.14Massachusetts 37.90 34.09 33.86 67.52 61.15 61.87Michigan 656.70 481.04 580.96 112.06 83.58 109.04Minnesota 103.47 101.53 105.18 68.34 66.99 70.19Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire - - - - - -New Jersey 227.17 219.63 228.52 75.92 71.24 73.23New Mexico - - - - - -New York 178.40 174.93 180.85 73.05 70.96 72.63North Carolina - - - - - -North Dakota 43.47 42.25 45.29 65.87 63.81 70.40Ohio - - - - - -Oklahoma - - - - - -Oregon 78.53 72.88 74.30 71.30 65.04 68.90Pennsylvania 55.58 56.70 60.26 71.28 71.08 73.89Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a 63.51 63.10 64.43Utah 31.97 29.73 29.17 74.22 69.28 68.56Vermont - - - - - -Virginia - - - - - -Washington 72.29 70.37 70.80 76.77 74.19 76.62West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 171.05 150.39 158.29 85.76 74.41 78.00CW w/o Texas 166.84 146.24 154.13 86.53 74.79 78.44

Table 17C





STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - 6,850.00 - 2,144.00California - - - - - -Colorado - - - - - -Connecticut 0.51 0.45 0.46 4,804.23 5,394.09 5,880.65Delaware 2.22 1.94 1.96 7,281.66 7,795.68 8,048.88District of Columbia 0.40 0.36 0.46 5,753.75 5,404.86 6,745.43Florida 2.92 2.78 2.65 7,156.13 6,760.06 6,516.87Georgia - - - - - -Hawaii 1.09 1.10 1.16 5,175.59 5,138.85 4,820.40Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas 0.82 0.78 0.83 4,291.72 4,169.86 3,914.98Kentucky 2.08 1.95 2.06 3,657.57 3,734.81 3,540.93Louisiana - - - - - -Maine - - - - - -Maryland 2.23 2.11 2.12 2,599.67 2,600.13 2,624.25Massachusetts 0.98 0.91 0.92 3,885.20 3,765.33 3,663.80Michigan 0.80 0.82 0.84 82,554.42 58,848.62 69,402.86Minnesota 1.10 1.15 1.19 9,391.12 8,822.24 8,840.73Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire - - - - - -New Jersey 1.71 1.70 1.78 13,286.08 12,917.30 12,871.87New Mexico - - - - - -New York 1.97 2.01 2.15 9,041.74 8,697.64 8,404.40North Carolina - - - - - -North Dakota 0.60 0.61 0.66 7,282.49 6,883.39 6,898.57Ohio - - - - - -Oklahoma - - - - - -Oregon 1.62 1.51 1.51 4,846.70 4,826.73 4,930.39Pennsylvania 1.51 1.49 1.59 3,687.55 3,810.24 3,795.99Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a n/a n/a n/aUtah 1.21 1.14 1.19 2,650.19 2,597.39 2,458.75Vermont - - - - - -Virginia - - - - - -Washington 1.44 1.42 1.39 5,013.82 4,951.34 5,076.81West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 1.76 1.71 1.73 9,696.92 8,799.33 9,130.25CW w/o Texas 1.76 1.71 1.73 9,458.54 8,556.36 8,890.31

Table 17D




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

Voluntary Market Business and Residual Market Business 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 2015 2014 2013 2015 2014 2013Alabama 72,121,790 68,204,283 66,920,800 2,656,741 2,650,029 2,651,063Alaska 18,530,927 18,501,683 19,091,383 321,278 319,138 320,624Arizona 77,404,028 74,408,342 70,237,801 1,512,565 1,489,492 1,474,763Arkansas 41,779,631 39,231,142 37,506,796 908,841 899,139 891,938California 459,481,472 452,780,413 433,894,023 10,990,004 10,948,205 10,939,980Colorado 177,208,331 167,407,888 157,059,651 2,841,254 2,799,787 2,800,828Connecticut 33,675,398 33,671,672 33,489,057 698,468 695,029 695,772Delaware 22,222 25,986 27,501 10,653 12,346 12,988District of Columbia 140,238 144,545 145,562 10,838 10,830 10,532Florida 119,248,917 120,416,990 122,478,330 3,082,842 3,078,828 3,138,762Georgia 181,469,533 175,197,592 168,399,862 2,750,993 2,790,304 2,798,264Hawaii 69,172 66,923 65,152 18,053 17,626 17,417Idaho 28,699,733 27,979,114 28,227,786 847,828 837,081 841,528Illinois 204,701,258 201,902,981 194,453,222 5,922,309 5,948,232 6,016,566Indiana 141,913,925 135,461,998 133,045,727 4,029,282 4,010,008 3,891,043Iowa 49,501,002 49,328,424 49,185,870 2,232,476 2,213,223 2,210,436Kansas 2,521,302 2,562,331 2,334,395 249,848 251,666 252,869Kentucky 2,871,530 2,900,641 3,016,988 613,711 610,473 619,957Louisiana 61,189,615 60,093,728 58,674,191 1,451,596 1,447,790 1,440,770Maine 24,020,787 22,912,995 21,374,882 942,044 923,882 906,330Maryland 11,375,229 11,859,213 12,056,381 428,728 445,281 452,564Massachusetts n/a n/a n/a 1,513,262 1,494,794 1,473,780Michigan 86,294 86,502 79,976 12,972 14,445 18,266Minnesota 313,830 187,059 79,635 3,892 2,849 1,818Mississippi 44,273,194 43,416,332 43,673,715 1,394,695 1,387,967 1,382,549Missouri 81,097,537 80,141,688 81,505,175 2,566,690 2,550,044 2,570,796Montana 22,197,314 22,194,679 22,710,477 434,814 433,300 444,290Nebraska 39,152,914 37,361,944 36,799,698 1,363,578 1,351,210 1,351,064Nevada 51,694,535 50,736,478 49,923,327 736,758 731,438 734,967New Hampshire 26,799,206 26,659,087 26,401,245 905,269 884,067 861,963New Jersey 1,869,195 1,878,597 1,886,390 1,473,440 1,512,063 1,528,916New Mexico 27,019,493 26,624,772 25,961,059 761,611 760,776 773,672New York 19,767,723 20,698,693 22,318,819 4,263,725 4,287,315 4,357,221North Carolina 126,413,921 125,887,882 129,877,268 4,826,177 4,816,236 4,946,564North Dakota 2,703 2,686 2,336 333 301 294Ohio 193,101,645 187,771,267 181,216,179 6,769,936 6,793,082 6,802,991Oklahoma 56,441,595 56,672,580 56,812,721 1,194,884 1,193,691 1,197,734Oregon 1,120,423 1,082,385 990,513 117,728 112,671 106,575Pennsylvania 484,184 202,797 215,320 13,553 11,544 11,322Rhode Island 16,934,502 15,628,880 14,512,346 581,721 577,020 580,268South Carolina 25,319,066 23,883,892 23,086,687 809,006 789,356 782,762South Dakota 16,118,724 15,501,316 15,182,457 601,205 590,182 585,562Tennessee 95,408,223 93,719,467 92,855,209 3,639,905 3,585,861 3,566,000Texas 48,229,009 46,767,398 46,437,201 n/a n/a n/aUtah 314,396 317,069 267,034 20,846 20,698 19,868Vermont 7,788,328 7,882,844 7,952,040 366,796 371,752 369,307Virginia 163,112,895 162,394,414 157,118,584 3,616,064 3,644,565 3,688,149Washington 9,010,997 8,632,386 7,540,387 151,970 149,138 144,756West Virginia 42,578,200 42,500,915 43,458,481 934,590 943,894 951,938Wisconsin 111,410,777 106,830,905 101,500,852 3,561,615 3,526,010 3,556,353Wyoming 15,140,267 15,557,566 15,563,397 369,998 370,737 373,408Countrywide 2,951,147,130 2,886,281,364 2,817,613,888 85,527,385 85,305,395 85,568,147CW w/o TX and MA 2,902,918,121 2,839,513,966 2,771,176,687 84,014,123 83,810,601 84,094,367

Table 18A

Medical Payments 2013-2015




STATE 2015 2014 2013 2015 2014 2013Alabama 50,512,557 46,110,933 45,848,250 18,199 16,602 16,982Alaska 15,393,410 15,061,645 14,960,684 2,589 2,448 2,752Arizona 54,121,074 53,865,512 55,225,674 14,325 13,913 14,561Arkansas 33,838,995 32,598,955 33,734,494 8,158 8,121 8,171California 274,607,388 279,720,404 297,746,212 95,430 95,597 103,036Colorado 138,172,017 135,868,453 131,733,223 29,363 29,717 30,237Connecticut 26,669,461 26,290,453 28,175,743 7,480 7,529 8,015Delaware 30,120 43,926 23,909 7 8 4District of Columbia 38,427 78,502 124,985 15 28 32Florida 100,755,297 94,353,958 87,965,957 40,640 38,724 37,026Georgia 153,495,555 146,634,717 145,857,744 39,693 36,858 37,239Hawaii 87,237 155,047 51,272 25 24 16Idaho 22,943,783 20,424,853 19,624,802 7,172 6,939 7,459Illinois 159,876,425 151,446,664 148,168,446 40,921 39,043 40,372Indiana 121,313,818 112,238,090 105,837,542 28,934 27,884 27,944Iowa 39,242,491 33,986,506 33,167,734 11,112 10,531 10,998Kansas 2,310,295 1,953,656 2,162,938 743 619 684Kentucky 1,960,483 1,886,376 1,724,706 3,008 2,830 3,056Louisiana 53,029,748 51,451,639 50,391,170 14,197 13,735 13,754Maine 18,370,107 17,058,666 16,603,280 6,432 6,119 6,402Maryland 9,576,955 9,694,429 10,716,574 3,010 3,146 3,199Massachusetts 21,630,788 21,816,834 21,475,843 4,842 4,895 4,931Michigan 65,306 89,204 331,938 5 8 37Minnesota 34,873 68,674 59,323 6 8 5Mississippi 35,431,926 33,621,435 32,673,726 11,175 11,495 11,343Missouri 60,297,943 54,999,695 53,453,288 18,634 17,082 17,305Montana 15,443,728 15,354,470 14,498,757 3,439 3,531 3,683Nebraska 32,616,840 29,838,017 29,995,003 7,854 7,719 8,029Nevada 40,839,153 39,735,863 40,728,637 9,367 9,125 9,904New Hampshire 17,777,272 18,285,343 19,375,627 6,068 5,997 6,425New Jersey 1,496,112 1,095,200 1,259,961 423 355 370New Mexico 18,477,961 19,575,527 19,476,901 5,784 5,935 6,464New York 15,121,822 13,191,821 12,711,702 1,357 1,323 1,413North Carolina 104,579,258 101,315,568 105,693,863 52,435 51,518 55,128North Dakota 0 0 0 0 0 0Ohio 149,411,042 142,626,688 139,916,070 45,468 44,550 45,704Oklahoma 38,428,025 37,389,060 35,948,221 9,403 9,772 9,925Oregon 1,294,037 1,259,495 1,237,021 205 185 194Pennsylvania 44,757 75,365 543,550 5 10 22Rhode Island 17,388,852 14,432,410 14,452,718 6,915 6,127 6,142South Carolina 22,544,277 21,169,010 21,092,564 9,693 9,043 9,004South Dakota 12,246,005 10,866,458 10,870,758 3,191 3,017 3,466Tennessee 72,049,868 64,529,586 66,131,557 22,339 20,639 21,668Texas 31,044,845 34,108,905 29,862,416 n/a n/a n/aUtah 347,721 314,401 322,127 80 83 74Vermont 6,494,758 6,194,275 6,364,603 1,920 2,005 2,094Virginia 109,475,628 112,260,979 120,910,627 27,930 27,506 29,230Washington 11,499,311 10,732,644 10,505,936 2,018 1,858 1,715West Virginia 27,547,861 28,235,096 28,751,474 7,646 7,710 8,288Wisconsin 83,245,957 79,733,906 82,482,475 21,466 20,254 21,766Wyoming 11,456,051 11,236,572 10,241,262 1,897 2,021 2,240Countrywide 2,234,677,620 2,155,075,885 2,161,213,287 653,018 634,186 658,508CW w/o TX and MA 2,182,001,987 2,099,150,146 2,109,875,028 648,176 629,291 653,577

Table 18B



Voluntary Business



STATE 2015 2014 2013 2015 2014 2013Alabama 19.01 17.40 17.29 70.04 67.61 68.51Alaska 47.91 47.19 46.66 83.07 81.41 78.36Arizona 35.78 36.16 37.45 69.92 72.39 78.63Arkansas 37.23 36.26 37.82 80.99 83.09 89.94California 24.99 25.55 27.22 59.76 61.78 68.62Colorado 48.63 48.53 47.03 77.97 81.16 83.87Connecticut 38.18 37.83 40.50 79.20 78.08 84.13Delaware 2.83 3.56 1.84 135.54 169.04 86.94District of Columbia 3.55 7.25 11.87 27.40 54.31 85.86Florida 32.68 30.65 28.03 84.49 78.36 71.82Georgia 55.80 52.55 52.12 84.58 83.70 86.61Hawaii 4.83 8.80 2.94 126.12 231.68 78.70Idaho 27.06 24.40 23.32 79.94 73.00 69.52Illinois 27.00 25.46 24.63 78.10 75.01 76.20Indiana 30.11 27.99 27.20 85.48 82.86 79.55Iowa 17.58 15.36 15.01 79.28 68.90 67.43Kansas 9.25 7.76 8.55 91.63 76.25 92.66Kentucky 3.19 3.09 2.78 68.27 65.03 57.17Louisiana 36.53 35.54 34.98 86.66 85.62 85.88Maine 19.50 18.46 18.32 76.48 74.45 77.68Maryland 22.34 21.77 23.68 84.19 81.75 88.89Massachusetts 14.29 14.60 14.57 n/a n/a n/aMichigan 5.03 6.18 18.17 75.68 103.12 415.05Minnesota 8.96 24.10 32.63 11.11 36.71 74.49Mississippi 25.40 24.22 23.63 80.03 77.44 74.81Missouri 23.49 21.57 20.79 74.35 68.63 65.58Montana 35.52 35.44 32.63 69.57 69.18 63.84Nebraska 23.92 22.08 22.20 83.31 79.86 81.51Nevada 55.43 54.33 55.42 79.00 78.32 81.58New Hampshire 19.64 20.68 22.48 66.34 68.59 73.39New Jersey 1.02 0.72 0.82 80.04 58.30 66.79New Mexico 24.26 25.73 25.17 68.39 73.52 75.02New York 3.55 3.08 2.92 76.50 63.73 56.96North Carolina 21.67 21.04 21.37 82.73 80.48 81.38North Dakota 0.00 0.00 0.00 0.00 0.00 0.00Ohio 22.07 21.00 20.57 77.37 75.96 77.21Oklahoma 32.16 31.32 30.01 68.08 65.97 63.27Oregon 10.99 11.18 11.61 115.50 116.36 124.89Pennsylvania 3.30 6.53 48.01 9.24 37.16 252.44Rhode Island 29.89 25.01 24.91 102.68 92.34 99.59South Carolina 27.87 26.82 26.95 89.04 88.63 91.36South Dakota 20.37 18.41 18.56 75.97 70.10 71.60Tennessee 19.79 18.00 18.55 75.52 68.85 71.22Texas n/a n/a n/a 64.37 72.93 64.31Utah 16.68 15.19 16.21 110.60 99.16 120.63Vermont 17.71 16.66 17.23 83.39 78.58 80.04Virginia 30.27 30.80 32.78 67.12 69.13 76.96Washington 75.67 71.96 72.58 127.61 124.33 139.33West Virginia 29.48 29.91 30.20 64.70 66.43 66.16Wisconsin 23.37 22.61 23.19 74.72 74.64 81.26Wyoming 30.96 30.31 27.43 75.67 72.23 65.80Countrywide 26.13 25.26 25.26 75.72 74.67 76.70CW w/o TX and MA 25.97 25.05 25.09 75.17 73.93 76.14

Table 18C



Voluntary Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0.69 0.63 0.64 2,775.57 2,777.43 2,699.81Alaska 0.81 0.77 0.86 5,945.70 6,152.63 5,436.30Arizona 0.95 0.93 0.99 3,778.09 3,871.60 3,792.71Arkansas 0.90 0.90 0.92 4,147.95 4,014.16 4,128.56California 0.87 0.87 0.94 2,877.58 2,926.04 2,889.73Colorado 1.03 1.06 1.08 4,705.65 4,572.08 4,356.69Connecticut 1.07 1.08 1.15 3,565.44 3,491.89 3,515.38Delaware 0.07 0.06 0.03 4,302.86 5,490.75 5,977.25District of Columbia 0.14 0.26 0.30 2,561.80 2,803.64 3,905.78Florida 1.32 1.26 1.18 2,479.21 2,436.58 2,375.79Georgia 1.44 1.32 1.33 3,867.07 3,978.37 3,916.80Hawaii 0.14 0.14 0.09 3,489.48 6,460.29 3,204.50Idaho 0.85 0.83 0.89 3,199.08 2,943.49 2,631.02Illinois 0.69 0.66 0.67 3,906.95 3,878.97 3,670.08Indiana 0.72 0.70 0.72 4,192.78 4,025.18 3,787.49Iowa 0.50 0.48 0.50 3,531.54 3,227.28 3,015.80Kansas 0.30 0.25 0.27 3,109.41 3,156.15 3,162.19Kentucky 0.49 0.46 0.49 651.76 666.56 564.37Louisiana 0.98 0.95 0.95 3,735.28 3,746.02 3,663.75Maine 0.68 0.66 0.71 2,856.05 2,787.82 2,593.45Maryland 0.70 0.71 0.71 3,181.71 3,081.51 3,349.98Massachusetts 0.32 0.33 0.33 4,467.33 4,456.96 4,355.27Michigan 0.04 0.06 0.20 13,061.20 11,150.50 8,971.30Minnesota 0.15 0.28 0.28 5,812.17 8,584.25 11,864.60Mississippi 0.80 0.83 0.82 3,170.64 2,924.87 2,880.52Missouri 0.73 0.67 0.67 3,235.91 3,219.75 3,088.89Montana 0.79 0.81 0.83 4,490.76 4,348.48 3,936.67Nebraska 0.58 0.57 0.59 4,152.90 3,865.53 3,735.83Nevada 1.27 1.25 1.35 4,359.90 4,354.62 4,112.34New Hampshire 0.67 0.68 0.75 2,929.68 3,049.08 3,015.66New Jersey 0.03 0.02 0.02 3,536.91 3,085.07 3,405.30New Mexico 0.76 0.78 0.84 3,194.67 3,298.32 3,013.13New York 0.03 0.03 0.03 11,143.57 9,971.14 8,996.25North Carolina 1.09 1.07 1.11 1,994.46 1,966.61 1,917.24North Dakota 0.00 0.00 0.00 - - -Ohio 0.67 0.66 0.67 3,286.07 3,201.50 3,061.35Oklahoma 0.79 0.82 0.83 4,086.78 3,826.14 3,621.99Oregon 0.17 0.16 0.18 6,312.38 6,808.08 6,376.40Pennsylvania 0.04 0.09 0.19 8,951.40 7,536.50 24,706.82Rhode Island 1.19 1.06 1.06 2,514.66 2,355.54 2,353.10South Carolina 1.20 1.15 1.15 2,325.83 2,340.93 2,342.58South Dakota 0.53 0.51 0.59 3,837.67 3,601.74 3,136.40Tennessee 0.61 0.58 0.61 3,225.30 3,126.58 3,052.04Texas n/a n/a n/a n/a n/a n/aUtah 0.38 0.40 0.37 4,346.51 3,787.96 4,353.07Vermont 0.52 0.54 0.57 3,382.69 3,089.41 3,039.45Virginia 0.77 0.75 0.79 3,919.64 4,081.33 4,136.53Washington 1.33 1.25 1.18 5,698.37 5,776.45 6,125.91West Virginia 0.82 0.82 0.87 3,602.91 3,662.14 3,469.05Wisconsin 0.60 0.57 0.61 3,878.04 3,936.70 3,789.51Wyoming 0.51 0.55 0.60 6,039.04 5,559.91 4,571.99Countrywide 0.76 0.74 0.77 3,422.08 3,398.18 3,281.98CW w/o TX and MA 0.77 0.75 0.78 3,366.37 3,335.74 3,228.20

Table 18D


Frequency Severity

Voluntary Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0 84 12 0 1 0Alaska 203 347 212 4 5 2Arizona 0 0 0 0 0 0Arkansas 239 79 5 3 1 0California 4,787 5,803 6,502 74 89 111Colorado 0 0 0 0 0 0Connecticut 0 0 0 0 0 0Delaware 0 0 0 0 0 0District of Columbia 208 208 208 2 2 2Florida 635 -442 310 5 -4 2Georgia 0 0 0 0 0 0Hawaii 0 0 0 0 0 0Idaho 13 38 3 0 1 0Illinois 12,888 15,624 21,563 197 235 354Indiana 265 209 194 3 4 4Iowa 439 562 609 7 8 12Kansas 1,904 1,470 1,266 272 231 184Kentucky 150 1 28 2 0 0Louisiana 200 0 0 3 0 0Maine 300 599 745 4 8 10Maryland 0 0 0 0 0 0Massachusetts n/a n/a n/a 13,015 15,771 18,996Michigan 0 0 0 0 0 0Minnesota 0 0 0 0 0 0Mississippi 84 293 232 1 3 6Missouri 115 -10 248 2 -1 5Montana 146 223 593 3 6 14Nebraska 123 9 108 1 0 1Nevada 19 0 0 1 0 0New Hampshire 6,837 8,171 8,846 84 103 106New Jersey 2,913 4,178 7,197 3,241 4,558 7,849New Mexico 1 33 25 0 1 0New York 34,808 36,811 46,057 33,860 39,732 46,399North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 96 0 31 1 0 1Oregon 0 0 0 0 0 0Pennsylvania 0 0 0 0 0 0Rhode Island 63,644 52,095 39,627 1,600 1,314 1,034South Carolina 0 0 0 0 0 0South Dakota 490 70 0 1 0 0Tennessee 59 117 188 1 1 1Texas 0 0 0 n/a n/a n/aUtah 0 0 0 0 0 0Vermont 1,705 1,606 2,909 28 29 43Virginia 11,311 12,644 17,642 69 74 104Washington 0 0 0 0 0 0West Virginia 309 310 716 4 3 7Wisconsin 178 63 18 2 0 0Wyoming 0 0 0 0 0 0Countrywide 145,069 141,195 156,094 52,490 62,175 75,247CW w/o TX and MA 145,069 141,195 156,094 39,475 46,404 56,251

Table 19A



Residual Business


2015/2016 Auto Insurance Database Report.

STATE 2015 2014 2013 2015 2014 2013Alabama 0 1,156 0 0 1 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California 1,012 1,028 1,000 1 1 1Colorado 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 8,958 6,115 12,647 3 2 4Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 7,773 2,207 0 1 1 0Kentucky 0 0 0 0 0 0Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 0 0 0 0 0 0Massachusetts 542,527 559,632 700,310 129 130 168Michigan 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 6,316 0 0 2Nevada 0 0 0 0 0 0New Hampshire 3,503 1,128 0 3 1 0New Jersey 7,620 66,011 33,983 3 11 5New Mexico 0 0 0 0 0 0New York 86,143 88,035 131,013 17 20 30North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 1,057 0 0 1 0 0Oregon 0 0 0 0 0 0Pennsylvania 0 0 0 0 0 0Rhode Island 82,807 116,532 91,510 38 50 45South 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 5,136 0 0 1 0 0Virginia 17,828 0 5,178 2 0 3Washington 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 764,364 841,844 981,957 199 217 258CW w/o TX and MA 221,837 282,212 281,647 70 87 90

Table 19B



Residual Business



STATE 2015 2014 2013 2015 2014 2013Alabama - 1,156.00 - - 1,376.19 0.00Alaska 0.00 0.00 0.00 0.00 0.00 0.00Arizona - - - - - -Arkansas 0.00 0.00 - 0.00 0.00 0.00California 13.68 11.55 9.01 21.14 17.71 15.38Colorado - - - - - -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 0.00 0.00Illinois 45.47 26.02 35.73 69.51 39.14 58.65Indiana 0.00 0.00 0.00 0.00 0.00 0.00Iowa 0.00 0.00 0.00 0.00 0.00 0.00Kansas 28.58 9.55 0.00 408.25 150.14 0.00Kentucky 0.00 - - 0.00 0.00 0.00Louisiana 0.00 - - 0.00 - -Maine 0.00 0.00 0.00 0.00 0.00 0.00Maryland - - - - - -Massachusetts 41.68 35.48 36.87 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 - 6,316.00 0.00 0.00 5,848.15Nevada 0.00 - - 0.00 - -New Hampshire 41.70 10.95 0.00 51.24 13.80 0.00New Jersey 2.35 14.48 4.33 261.59 1,579.97 472.18New Mexico - 0.00 - 0.00 0.00 0.00New York 2.54 2.22 2.82 247.48 239.15 284.46North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma 1,057.00 - 0.00 1,101.04 - 0.00Oregon - - - - - -Pennsylvania - - - - - -Rhode Island 51.75 88.68 88.50 130.11 223.69 230.93South Carolina - - - - - -South Dakota 0.00 - - 0.00 0.00 -Tennessee 0.00 0.00 0.00 0.00 0.00 0.00Texas n/a n/a n/a - - -Utah - - - - - -Vermont 183.43 0.00 0.00 301.23 0.00 0.00Virginia 258.38 0.00 49.79 157.62 0.00 29.35Washington - - - - - -West Virginia 0.00 0.00 0.00 0.00 0.00 0.00Wisconsin 0.00 - - 0.00 0.00 0.00Wyoming - - - - - -Countrywide 14.56 13.54 13.05 526.90 596.23 629.08CW w/o TX and MA 5.62 6.08 5.01 152.92 199.87 180.43

Table 19C



Residual Business



STATE 2015 2014 2013 2015 2014 2013Alabama - 100.00 - - 1,156.00 -Alaska 0.00 0.00 0.00 - - -Arizona - - - - - -Arkansas 0.00 0.00 - - - -California 1.35 1.12 0.90 1,012.00 1,028.00 1,000.00Colorado - - - - - -Connecticut - - - - - -Delaware - - - - - -District of Columbia 0.00 0.00 0.00 - - -Florida 0.00 0.00 0.00 - - -Georgia - - - - - -Hawaii - - - - - -Idaho - 0.00 - - - -Illinois 1.52 0.85 1.13 2,986.00 3,057.50 3,161.75Indiana 0.00 0.00 0.00 - - -Iowa 0.00 0.00 0.00 - - -Kansas 0.37 0.43 0.00 7,773.00 2,207.00 -Kentucky 0.00 - - - - -Louisiana 0.00 - - - - -Maine 0.00 0.00 0.00 - - -Maryland - - - - - -Massachusetts 0.99 0.82 0.88 4,205.64 4,304.86 4,168.51Michigan - - - - - -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 - 200.00 - - 3,158.00Nevada 0.00 - - - - -New Hampshire 3.57 0.97 0.00 1,167.67 1,128.00 -New Jersey 0.09 0.24 0.06 2,540.00 6,001.00 6,796.60New Mexico - 0.00 - - - -New York 0.05 0.05 0.06 5,067.24 4,401.75 4,367.10North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma 100.00 - 0.00 1,057.00 - -Oregon - - - - - -Pennsylvania - - - - - -Rhode Island 2.38 3.81 4.35 2,179.13 2,330.64 2,033.56South Carolina - - - - - -South Dakota 0.00 - - - - -Tennessee 0.00 0.00 0.00 - - -Texas n/a n/a n/a n/a n/a n/aUtah - - - - - -Vermont 3.57 0.00 0.00 5,136.00 - -Virginia 2.90 0.00 2.88 8,914.00 - 1,726.00Washington - - - - - -West Virginia 0.00 0.00 0.00 - - -Wisconsin 0.00 - - - - -Wyoming - - - - - -Countrywide 0.38 0.35 0.34 3,841.03 3,879.47 3,806.03CW w/o TX and MA 0.18 0.19 0.16 3,169.10 3,243.82 3,129.41

Table 19D


Frequency Severity

Residual Business



STATE 2015 2014 2013 2015 2014 2013Alabama 72,121,790 68,204,367 66,920,812 2,656,741 2,650,030 2,651,063Alaska 18,531,130 18,502,030 19,091,595 321,282 319,143 320,626Arizona 77,404,028 74,408,342 70,237,801 1,512,565 1,489,492 1,474,763Arkansas 41,779,870 39,231,221 37,506,801 908,844 899,140 891,938California 459,486,259 452,786,216 433,900,525 10,990,078 10,948,294 10,940,091Colorado 177,208,331 167,407,888 157,059,651 2,841,254 2,799,787 2,800,828Connecticut 33,675,398 33,671,672 33,489,057 698,468 695,029 695,772Delaware 22,222 25,986 27,501 10,653 12,346 12,988District of Columbia 140,446 144,753 145,770 10,840 10,832 10,534Florida 119,249,552 120,416,548 122,478,640 3,082,847 3,078,824 3,138,764Georgia 181,469,533 175,197,592 168,399,862 2,750,993 2,790,304 2,798,264Hawaii 69,172 66,923 65,152 18,053 17,626 17,417Idaho 28,699,746 27,979,152 28,227,789 847,828 837,082 841,528Illinois 204,714,146 201,918,605 194,474,785 5,922,506 5,948,467 6,016,920Indiana 141,914,190 135,462,207 133,045,921 4,029,285 4,010,012 3,891,047Iowa 49,501,441 49,328,986 49,186,479 2,232,483 2,213,231 2,210,448Kansas 2,523,206 2,563,801 2,335,661 250,120 251,897 253,053Kentucky 2,871,680 2,900,642 3,017,016 613,713 610,473 619,957Louisiana 61,189,815 60,093,728 58,674,191 1,451,599 1,447,790 1,440,770Maine 24,021,087 22,913,594 21,375,627 942,048 923,890 906,340Maryland 11,375,229 11,859,213 12,056,381 428,728 445,281 452,564Massachusetts n/a n/a n/a 1,526,277 1,510,565 1,492,776Michigan 86,294 86,502 79,976 12,972 14,445 18,266Minnesota 313,830 187,059 79,635 3,892 2,849 1,818Mississippi 44,273,278 43,416,625 43,673,947 1,394,696 1,387,970 1,382,555Missouri 81,097,652 80,141,678 81,505,423 2,566,692 2,550,043 2,570,801Montana 22,197,460 22,194,902 22,711,070 434,817 433,306 444,304Nebraska 39,153,037 37,361,953 36,799,806 1,363,579 1,351,210 1,351,065Nevada 51,694,554 50,736,478 49,923,327 736,759 731,438 734,967New Hampshire 26,806,043 26,667,258 26,410,091 905,353 884,170 862,069New Jersey 1,872,108 1,882,775 1,893,587 1,476,681 1,516,621 1,536,765New Mexico 27,019,494 26,624,805 25,961,084 761,611 760,777 773,672New York 19,802,531 20,735,504 22,364,876 4,297,585 4,327,047 4,403,620North Carolina 126,413,921 125,887,882 129,877,268 4,826,177 4,816,236 4,946,564North Dakota 2,703 2,686 2,336 333 301 294Ohio 193,101,645 187,771,267 181,216,179 6,769,936 6,793,082 6,802,991Oklahoma 56,441,691 56,672,580 56,812,752 1,194,885 1,193,691 1,197,735Oregon 1,120,423 1,082,385 990,513 117,728 112,671 106,575Pennsylvania 484,184 202,797 215,320 13,553 11,544 11,322Rhode Island 16,998,146 15,680,975 14,551,973 583,321 578,334 581,302South Carolina 25,319,066 23,883,892 23,086,687 809,006 789,356 782,762South Dakota 16,119,214 15,501,386 15,182,457 601,206 590,182 585,562Tennessee 95,408,282 93,719,584 92,855,397 3,639,906 3,585,862 3,566,001Texas 48,229,009 46,767,398 46,437,201 n/a n/a n/aUtah 314,396 317,069 267,034 20,846 20,698 19,868Vermont 7,790,033 7,884,450 7,954,949 366,824 371,781 369,350Virginia 163,124,206 162,407,058 157,136,226 3,616,133 3,644,639 3,688,253Washington 9,010,997 8,632,386 7,540,387 151,970 149,138 144,756West Virginia 42,578,509 42,501,225 43,459,197 934,594 943,897 951,945Wisconsin 111,410,955 106,830,968 101,500,870 3,561,617 3,526,010 3,556,353Wyoming 15,140,267 15,557,566 15,563,397 369,998 370,737 373,408Countrywide 2,951,292,199 2,886,422,559 2,817,769,982 85,579,875 85,367,570 85,643,394CW w/o TX and MA 2,903,063,190 2,839,655,161 2,771,332,781 84,053,598 83,857,005 84,150,618

Table 20A



Total Business



STATE 2015 2014 2013 2015 2014 2013Alabama 50,512,557 46,112,089 45,848,250 18,199 16,603 16,982Alaska 15,393,410 15,061,645 14,960,684 2,589 2,448 2,752Arizona 54,121,074 53,865,512 55,225,674 14,325 13,913 14,561Arkansas 33,838,995 32,598,955 33,734,494 8,158 8,121 8,171California 274,608,400 279,721,432 297,747,212 95,431 95,598 103,037Colorado 138,172,017 135,868,453 131,733,223 29,363 29,717 30,237Connecticut 26,669,461 26,290,453 28,175,743 7,480 7,529 8,015Delaware 30,120 43,926 23,909 7 8 4District of Columbia 38,427 78,502 124,985 15 28 32Florida 100,755,297 94,353,958 87,965,957 40,640 38,724 37,026Georgia 153,495,555 146,634,717 145,857,744 39,693 36,858 37,239Hawaii 87,237 155,047 51,272 25 24 16Idaho 22,943,783 20,424,853 19,624,802 7,172 6,939 7,459Illinois 159,885,383 151,452,779 148,181,093 40,924 39,045 40,376Indiana 121,313,818 112,238,090 105,837,542 28,934 27,884 27,944Iowa 39,242,491 33,986,506 33,167,734 11,112 10,531 10,998Kansas 2,318,068 1,955,863 2,162,938 744 620 684Kentucky 1,960,483 1,886,376 1,724,706 3,008 2,830 3,056Louisiana 53,029,748 51,451,639 50,391,170 14,197 13,735 13,754Maine 18,370,107 17,058,666 16,603,280 6,432 6,119 6,402Maryland 9,576,955 9,694,429 10,716,574 3,010 3,146 3,199Massachusetts 22,173,315 22,376,466 22,176,153 4,971 5,025 5,099Michigan 65,306 89,204 331,938 5 8 37Minnesota 34,873 68,674 59,323 6 8 5Mississippi 35,431,926 33,621,435 32,673,726 11,175 11,495 11,343Missouri 60,297,943 54,999,695 53,453,288 18,634 17,082 17,305Montana 15,443,728 15,354,470 14,498,757 3,439 3,531 3,683Nebraska 32,616,840 29,838,017 30,001,319 7,854 7,719 8,031Nevada 40,839,153 39,735,863 40,728,637 9,367 9,125 9,904New Hampshire 17,780,775 18,286,471 19,375,627 6,071 5,998 6,425New Jersey 1,503,732 1,161,211 1,293,944 426 366 375New Mexico 18,477,961 19,575,527 19,476,901 5,784 5,935 6,464New York 15,207,965 13,279,856 12,842,715 1,374 1,343 1,443North Carolina 104,579,258 101,315,568 105,693,863 52,435 51,518 55,128North Dakota 0 0 0 0 0 0Ohio 149,411,042 142,626,688 139,916,070 45,468 44,550 45,704Oklahoma 38,429,082 37,389,060 35,948,221 9,404 9,772 9,925Oregon 1,294,037 1,259,495 1,237,021 205 185 194Pennsylvania 44,757 75,365 543,550 5 10 22Rhode Island 17,471,659 14,548,942 14,544,228 6,953 6,177 6,187South Carolina 22,544,277 21,169,010 21,092,564 9,693 9,043 9,004South Dakota 12,246,005 10,866,458 10,870,758 3,191 3,017 3,466Tennessee 72,049,868 64,529,586 66,131,557 22,339 20,639 21,668Texas 31,044,845 34,108,905 29,862,416 n/a n/a n/aUtah 347,721 314,401 322,127 80 83 74Vermont 6,499,894 6,194,275 6,364,603 1,921 2,005 2,094Virginia 109,493,456 112,260,979 120,915,805 27,932 27,506 29,233Washington 11,499,311 10,732,644 10,505,936 2,018 1,858 1,715West Virginia 27,547,861 28,235,096 28,751,474 7,646 7,710 8,288Wisconsin 83,245,957 79,733,906 82,482,475 21,466 20,254 21,766Wyoming 11,456,051 11,236,572 10,241,262 1,897 2,021 2,240Countrywide 2,235,441,984 2,155,917,729 2,162,195,244 653,217 634,403 658,766CW w/o TX and MA 2,182,223,824 2,099,432,358 2,110,156,675 648,246 629,378 653,667

Table 20B



Total Business




Table 20C



Total Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0.69 0.63 0.64 2,775.57 2,777.33 2,699.81Alaska 0.81 0.77 0.86 5,945.70 6,152.63 5,436.30Arizona 0.95 0.93 0.99 3,778.09 3,871.60 3,792.71Arkansas 0.90 0.90 0.92 4,147.95 4,014.16 4,128.56California 0.87 0.87 0.94 2,877.56 2,926.02 2,889.71Colorado 1.03 1.06 1.08 4,705.65 4,572.08 4,356.69Connecticut 1.07 1.08 1.15 3,565.44 3,491.89 3,515.38Delaware 0.07 0.06 0.03 4,302.86 5,490.75 5,977.25District of Columbia 0.14 0.26 0.30 2,561.80 2,803.64 3,905.78Florida 1.32 1.26 1.18 2,479.21 2,436.58 2,375.79Georgia 1.44 1.32 1.33 3,867.07 3,978.37 3,916.80Hawaii 0.14 0.14 0.09 3,489.48 6,460.29 3,204.50Idaho 0.85 0.83 0.89 3,199.08 2,943.49 2,631.02Illinois 0.69 0.66 0.67 3,906.89 3,878.93 3,670.03Indiana 0.72 0.70 0.72 4,192.78 4,025.18 3,787.49Iowa 0.50 0.48 0.50 3,531.54 3,227.28 3,015.80Kansas 0.30 0.25 0.27 3,115.68 3,154.62 3,162.19Kentucky 0.49 0.46 0.49 651.76 666.56 564.37Louisiana 0.98 0.95 0.95 3,735.28 3,746.02 3,663.75Maine 0.68 0.66 0.71 2,856.05 2,787.82 2,593.45Maryland 0.70 0.71 0.71 3,181.71 3,081.51 3,349.98Massachusetts 0.33 0.33 0.34 4,460.53 4,453.03 4,349.12Michigan 0.04 0.06 0.20 13,061.20 11,150.50 8,971.30Minnesota 0.15 0.28 0.28 5,812.17 8,584.25 11,864.60Mississippi 0.80 0.83 0.82 3,170.64 2,924.87 2,880.52Missouri 0.73 0.67 0.67 3,235.91 3,219.75 3,088.89Montana 0.79 0.81 0.83 4,490.76 4,348.48 3,936.67Nebraska 0.58 0.57 0.59 4,152.90 3,865.53 3,735.69Nevada 1.27 1.25 1.35 4,359.90 4,354.62 4,112.34New Hampshire 0.67 0.68 0.75 2,928.80 3,048.76 3,015.66New Jersey 0.03 0.02 0.02 3,529.89 3,172.71 3,450.52New Mexico 0.76 0.78 0.84 3,194.67 3,298.32 3,013.13New York 0.03 0.03 0.03 11,068.39 9,888.20 8,900.01North Carolina 1.09 1.07 1.11 1,994.46 1,966.61 1,917.24North Dakota 0.00 0.00 0.00 - - -Ohio 0.67 0.66 0.67 3,286.07 3,201.50 3,061.35Oklahoma 0.79 0.82 0.83 4,086.46 3,826.14 3,621.99Oregon 0.17 0.16 0.18 6,312.38 6,808.08 6,376.40Pennsylvania 0.04 0.09 0.19 8,951.40 7,536.50 24,706.82Rhode Island 1.19 1.07 1.06 2,512.82 2,355.34 2,350.77South Carolina 1.20 1.15 1.15 2,325.83 2,340.93 2,342.58South Dakota 0.53 0.51 0.59 3,837.67 3,601.74 3,136.40Tennessee 0.61 0.58 0.61 3,225.30 3,126.58 3,052.04Texas n/a n/a n/a n/a n/a n/aUtah 0.38 0.40 0.37 4,346.51 3,787.96 4,353.07Vermont 0.52 0.54 0.57 3,383.60 3,089.41 3,039.45Virginia 0.77 0.75 0.79 3,920.00 4,081.33 4,136.28Washington 1.33 1.25 1.18 5,698.37 5,776.45 6,125.91West Virginia 0.82 0.82 0.87 3,602.91 3,662.14 3,469.05Wisconsin 0.60 0.57 0.61 3,878.04 3,936.70 3,789.51Wyoming 0.51 0.55 0.60 6,039.04 5,559.91 4,571.99Countrywide 0.76 0.74 0.77 3,422.20 3,398.34 3,282.19CW w/o TX and MA 0.77 0.75 0.78 3,366.35 3,335.73 3,228.18

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 Carolina—Data for UM/UIM-BI and UM/UIM-PD coverages are separated and included in the bodily injury liability1 and property damage liability2 data.

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.

1 See Bodily Injury Liability, Page 35. 2 See Property Damage Liability, Page 51.

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.


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 Massachussets 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.

Incurred losses for the UM/UIM property damage component are developed to 39 months.



STATE 2015 2014 2013 2015 2014 2013Alabama 220,453,830 218,450,144 216,817,026 3,116,545 3,078,690 3,027,718Alaska 54,906,120 56,925,251 57,599,433 439,063 431,494 427,391Arizona 322,632,601 301,320,442 283,779,329 3,504,715 3,378,850 3,307,093Arkansas 121,576,429 118,873,054 116,189,638 1,748,860 1,703,376 1,689,864California 1,323,980,301 1,286,276,863 1,246,063,094 22,071,058 21,422,243 20,968,187Colorado 302,243,277 282,956,981 268,041,596 2,028,175 2,013,393 2,043,146Connecticut 190,432,452 189,700,266 193,132,618 2,387,433 2,357,869 2,336,740Delaware 52,833,874 52,272,381 51,403,241 596,707 580,740 566,650District of Columbia 24,502,549 24,222,934 24,327,402 245,562 238,540 234,100Florida 1,192,193,989 1,130,257,641 1,138,688,374 7,353,752 7,240,869 7,180,631Georgia 521,299,350 489,181,328 475,893,045 6,005,644 6,092,710 6,065,593Hawaii 70,194,979 67,708,311 65,539,644 763,052 734,377 708,498Idaho 40,245,914 39,259,135 38,381,000 993,073 963,500 950,521Illinois 334,932,136 329,819,694 328,428,862 6,571,149 6,556,282 6,565,618Indiana 205,868,466 203,733,905 203,086,072 4,385,942 4,353,465 4,205,973Iowa 84,225,766 83,545,104 82,889,744 2,356,540 2,328,656 2,313,796Kansas 55,855,109 53,576,860 52,160,254 2,100,731 2,062,087 2,059,905Kentucky 175,815,857 171,427,888 172,447,401 2,083,852 2,045,558 2,059,415Louisiana 295,157,289 287,406,712 282,862,518 1,967,376 1,943,660 1,918,938Maine 30,286,985 29,843,145 30,369,701 938,442 919,993 902,635Maryland 290,084,591 292,542,000 289,726,319 3,903,507 3,846,275 3,799,497Massachusetts n/a n/a n/a 4,191,058 4,126,739 4,038,861Michigan 157,212,765 148,459,230 138,507,795 5,413,063 5,326,470 5,295,193Minnesota 164,873,611 162,697,555 162,991,899 3,856,742 3,791,842 3,777,153Mississippi 179,522,410 174,953,411 172,375,571 1,669,851 1,632,530 1,610,237Missouri 192,520,312 181,412,841 172,898,503 3,875,347 3,828,539 3,840,462Montana 40,928,800 39,838,442 39,762,252 490,765 483,324 485,534Nebraska 55,890,820 54,981,676 54,635,432 1,487,129 1,470,803 1,461,989Nevada 156,465,949 147,018,216 139,936,762 1,191,868 1,159,120 1,140,085New Hampshire 38,370,471 38,250,874 38,056,808 857,849 846,943 826,337New Jersey 434,895,813 425,108,234 411,733,171 5,484,620 5,441,938 5,380,563New Mexico 161,370,150 160,354,065 151,216,327 1,041,107 1,072,372 1,082,496New York 375,566,770 386,870,514 397,880,032 9,279,750 9,172,918 9,113,451North Carolina 253,563,500 252,323,050 257,724,173 6,093,069 6,041,940 6,239,233North Dakota 12,807,502 12,412,216 11,721,665 543,911 532,640 523,446Ohio 330,516,042 325,278,588 321,262,961 6,451,121 6,397,613 6,349,077Oklahoma 147,182,544 146,985,787 143,760,049 900,507 891,037 889,344Oregon 147,016,716 143,733,713 144,060,895 2,572,826 2,489,595 2,472,896Pennsylvania 607,801,631 618,739,030 638,493,509 7,760,145 7,610,289 7,620,095Rhode Island 75,911,203 75,119,144 75,063,302 411,739 401,771 393,727South Carolina 353,020,266 340,715,202 333,196,597 3,558,318 3,463,479 3,395,009South Dakota 19,881,610 19,280,355 18,708,844 651,279 637,135 628,496Tennessee 297,471,925 288,258,606 282,214,466 4,220,248 4,117,890 4,065,841Texas 1,243,173,083 1,191,295,544 1,155,169,992 n/a n/a n/aUtah 102,224,668 98,821,985 96,801,763 1,702,413 1,658,836 1,597,589Vermont 22,951,092 22,960,652 23,043,696 436,285 435,454 426,678Virginia 303,185,134 304,853,004 303,947,984 6,099,782 6,011,512 5,983,132Washington 418,361,738 402,613,060 390,267,243 3,388,244 3,256,853 3,199,435West Virginia 112,961,105 114,294,888 116,134,323 1,184,399 1,175,822 1,167,504Wisconsin 172,538,558 171,388,487 168,930,616 3,859,841 3,804,138 3,802,062Wyoming 12,064,642 11,940,145 11,625,221 389,974 387,617 386,676Countrywide 12,499,972,694 12,170,258,553 11,989,948,162 164,624,428 161,959,786 160,524,510CW w/o TX and MA 11,256,799,611 10,978,963,009 10,834,778,170 160,433,370 157,833,047 156,485,649

Table 21A

Uninsured/Underinsured Motorist 2013-2015


Voluntary Business



STATE 2015 2014 2013 2015 2014 2013Alabama 184,521,853 167,019,787 160,308,685 7,142 6,581 6,386Alaska 21,649,782 24,313,539 20,009,819 641 690 710Arizona 261,155,251 247,107,269 238,959,600 8,136 8,085 8,148Arkansas 68,763,061 54,625,357 57,387,251 3,751 3,384 3,430California 869,207,913 709,240,771 708,736,738 39,165 34,462 38,551Colorado 318,553,169 300,207,444 265,231,191 6,028 5,840 5,402Connecticut 109,238,595 117,422,768 128,029,986 3,147 3,436 3,756Delaware 36,722,653 37,778,137 30,512,117 1,313 1,402 1,296District of Columbia 10,453,637 12,051,739 10,641,614 957 900 841Florida 1,029,748,449 987,773,075 908,110,049 38,270 36,140 32,805Georgia 395,637,789 351,921,687 322,033,924 16,737 14,438 13,650Hawaii 30,118,782 28,826,614 26,536,287 628 616 581Idaho 22,878,392 21,838,652 20,350,085 928 875 893Illinois 226,203,834 216,490,875 205,242,277 8,473 8,226 8,133Indiana 122,921,963 105,706,814 101,719,938 4,883 4,656 4,487Iowa 60,512,045 57,120,257 41,334,743 1,472 1,482 1,310Kansas 42,495,382 37,125,477 34,756,105 1,026 952 1,003Kentucky 134,362,400 133,411,411 130,567,999 4,692 4,559 4,327Louisiana 289,707,233 283,741,484 256,600,364 11,808 12,238 11,102Maine 13,163,052 16,445,990 16,734,756 275 324 317Maryland 142,537,928 146,885,721 149,983,843 10,362 9,961 9,499Massachusetts 68,052,632 67,758,656 64,307,040 3,123 3,073 2,928Michigan 117,945,188 114,267,351 105,069,895 2,492 2,269 2,174Minnesota 93,916,301 94,765,476 94,758,386 2,149 2,047 2,157Mississippi 101,632,920 95,365,085 86,191,393 4,743 4,579 4,427Missouri 168,204,813 136,595,600 137,270,140 6,232 5,270 5,069Montana 24,743,712 23,739,780 25,158,806 606 601 647Nebraska 42,169,350 42,433,699 38,474,204 1,062 1,083 984Nevada 153,910,370 157,420,184 142,505,157 5,350 5,349 4,833New Hampshire 18,803,888 23,859,787 20,619,947 523 551 539New Jersey 228,550,679 231,078,914 269,516,847 5,822 6,301 6,981New Mexico 76,448,420 89,385,371 87,417,237 2,562 2,962 3,129New York 221,019,079 215,415,245 227,156,484 5,283 5,023 5,120North Carolina 141,173,228 125,812,257 140,003,646 6,600 6,358 6,763North Dakota 7,424,344 6,278,454 5,808,645 133 101 90Ohio 191,495,339 178,819,775 180,057,521 10,662 10,370 10,627Oklahoma 93,050,042 92,138,018 94,005,011 3,634 3,208 3,289Oregon 88,120,172 85,422,973 77,013,563 3,961 3,647 3,524Pennsylvania 385,951,902 411,997,918 421,102,146 9,217 9,014 9,454Rhode Island 39,606,337 46,040,038 45,471,159 1,703 1,774 1,822South Carolina 282,817,906 261,916,212 226,532,867 10,245 9,936 9,097South Dakota 12,920,083 10,931,643 9,121,595 278 286 270Tennessee 148,831,893 132,136,305 125,646,831 7,919 7,253 6,602Texas 877,918,694 798,668,276 742,336,530 n/a n/a n/aUtah 87,742,502 74,756,343 70,448,877 2,135 2,026 2,070Vermont 13,762,547 8,187,851 13,055,515 492 467 411Virginia 180,961,712 179,544,942 172,175,076 6,811 6,677 6,803Washington 238,902,531 240,347,955 233,711,634 10,399 9,998 9,545West Virginia 44,564,754 49,019,283 57,742,974 1,739 1,807 1,905Wisconsin 131,623,334 115,937,468 104,613,658 4,026 3,565 3,399Wyoming 5,919,814 6,675,848 5,695,292 164 158 143Countrywide 8,678,737,649 8,173,771,575 7,856,775,447 289,899 275,000 271,429CW w/o TX and MA 7,732,766,323 7,307,344,643 7,050,131,877 286,776 271,927 268,501

Table 21B-1


Incurred Losses - Bodily Injury Incurred Claims - Bodily Injury

Voluntary Business



STATE 2015 2014 2013 2015 2014 2013Alabama 468,587 281,950 249,690 59 45 23Alaska 6,304,147 6,278,915 6,956,738 3,110 3,247 3,704Arizona 732,504 100,096 125,588 105 90 114Arkansas 32,598,188 26,353,231 24,210,986 15,574 14,353 13,676California 40,174,781 36,237,514 32,582,900 18,401 17,243 16,665Colorado 4,478,869 3,724,548 4,024,416 1,696 1,616 1,775Connecticut 4,656 0 2,758 4 1 5Delaware 8,228,787 6,905,900 6,063,966 5,141 4,948 4,632District of Columbia 8,844,900 7,851,454 6,689,057 6,805 6,183 5,559Florida 0 794 1,799 0 1 4Georgia 92,723,417 75,239,170 66,513,731 43,053 40,671 37,705Hawaii 0 0 0 0 0 0Idaho 946,558 696,587 639,416 483 380 394Illinois 5,846,765 4,973,610 4,957,649 2,221 2,056 2,119Indiana 28,224,925 24,952,556 20,808,893 13,780 12,984 12,097Iowa 27,765 19,028 17,537 7 9 6Kansas 94,344 104,236 57,134 43 41 21Kentucky 106,234 77,287 38,438 12 19 8Louisiana 4,515,026 3,988,242 3,906,439 1,468 1,418 1,425Maine 2,083 0 1,956 2 0 8Maryland 70,841,726 61,815,237 56,455,064 47,940 44,598 42,269Massachusetts 0 0 0 0 0 0Michigan 12,103 8,850 57,661 5 9 9Minnesota 13,678 42,619 9,310 23 22 11Mississippi 40,540,851 35,277,312 32,927,462 19,246 18,521 18,294Missouri 216,512 213,573 159,336 72 67 54Montana 419,828 349,573 326,986 149 112 114Nebraska 58,654 25,869 17,592 23 14 7Nevada 49,262 81,119 31,090 28 30 24New Hampshire 217,874 156,341 93,762 98 72 53New Jersey 15,971,742 12,480,837 12,670,501 5,056 4,405 4,491New Mexico 30,348,017 27,865,625 25,726,024 12,594 12,603 12,217New York 0 892,826 3,311 0 80 1North Carolina 13,263,003 10,948,975 10,289,473 7,665 6,827 7,031North Dakota 7,699 0 1,448 4 0 2Ohio 8,951,500 7,601,860 6,882,732 3,437 3,057 3,299Oklahoma 10,144 1,304 10,196 3 1 3Oregon 24,391,236 19,200,818 16,164,136 13,769 12,565 11,792Pennsylvania 0 40,355 112,799 0 10 12Rhode Island 7,220,306 6,085,588 5,846,849 2,697 2,323 2,297South Carolina 37,403,082 31,071,832 27,630,414 24,952 22,818 22,280South Dakota 15,850 9,068 10,662 5 3 7Tennessee 80,945,808 69,474,789 64,908,022 37,322 34,374 33,488Texas 0 0 0 n/a n/a n/aUtah 880,845 789,052 846,959 375 369 421Vermont 3,847,420 3,674,797 3,418,882 3,953 4,090 3,931Virginia 46,096,573 42,857,367 39,308,919 59,145 54,755 53,175Washington 80,557,858 65,642,480 58,565,760 37,576 34,302 32,282West Virginia 11,054,611 10,083,014 9,674,203 4,838 5,513 5,680Wisconsin 1,950,718 1,397,900 1,037,700 309 267 250Wyoming 30,496 31,530 10,504 13 10 5Countrywide 709,639,932 605,905,628 551,046,848 393,261 367,122 353,439CW w/o TX and MA 709,639,932 605,905,628 551,046,848 393,261 367,122 353,439

Table 21B-2


Incurred Losses - Property Damage Incurred Claims - Property Damage

Voluntary Business




Table 21C



Voluntary Business




Table 21C-1



Voluntary Business




Table 21C-2


Pure Premium - Property Damage Component Loss Ratio - Property Damage Component

Voluntary Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0.23 0.21 0.21 25,836.16 25,379.09 25,103.15Alaska 0.15 0.16 0.17 33,775.01 35,237.01 28,182.84Arizona 0.23 0.24 0.25 32,098.73 30,563.67 29,327.39Arkansas 0.21 0.20 0.20 18,331.93 16,142.24 16,730.98California 0.18 0.16 0.18 22,193.49 20,580.37 18,384.39Colorado 0.30 0.29 0.26 52,845.58 51,405.38 49,098.70Connecticut 0.13 0.15 0.16 34,711.98 34,174.26 34,086.79Delaware 0.22 0.24 0.23 27,968.51 26,945.89 23,543.30District of Columbia 0.39 0.38 0.36 10,923.34 13,390.82 12,653.52Florida 0.52 0.50 0.46 26,907.46 27,331.85 27,682.06Georgia 0.28 0.24 0.23 23,638.51 24,374.68 23,592.23Hawaii 0.08 0.08 0.08 47,959.84 46,796.45 45,673.47Idaho 0.09 0.09 0.09 24,653.44 24,958.46 22,788.45Illinois 0.13 0.13 0.12 26,697.02 26,317.88 25,235.74Indiana 0.11 0.11 0.11 25,173.45 22,703.35 22,669.92Iowa 0.06 0.06 0.06 41,108.73 38,542.68 31,553.24Kansas 0.05 0.05 0.05 41,418.50 38,997.35 34,652.15Kentucky 0.23 0.22 0.21 28,636.49 29,263.31 30,175.18Louisiana 0.60 0.63 0.58 24,534.83 23,185.28 23,112.99Maine 0.03 0.04 0.04 47,865.64 50,759.23 52,791.03Maryland 0.27 0.26 0.25 13,755.83 14,746.08 15,789.43Massachusetts 0.07 0.07 0.07 21,790.79 22,049.68 21,962.79Michigan 0.05 0.04 0.04 47,329.53 50,360.23 48,330.22Minnesota 0.06 0.05 0.06 43,702.33 46,294.81 43,930.64Mississippi 0.28 0.28 0.27 21,427.98 20,826.62 19,469.48Missouri 0.16 0.14 0.13 26,990.50 25,919.47 27,080.32Montana 0.12 0.12 0.13 40,831.21 39,500.47 38,885.33Nebraska 0.07 0.07 0.07 39,707.49 39,181.62 39,099.80Nevada 0.45 0.46 0.42 28,768.29 29,429.83 29,485.86New Hampshire 0.06 0.07 0.07 35,953.90 43,302.70 38,255.93New Jersey 0.11 0.12 0.13 39,256.39 36,673.37 38,607.20New Mexico 0.25 0.28 0.29 29,839.35 30,177.37 27,937.76New York 0.06 0.05 0.06 41,835.90 42,885.77 44,366.50North Carolina 0.11 0.11 0.11 21,389.88 19,788.02 20,701.41North Dakota 0.02 0.02 0.02 55,822.14 62,162.91 64,540.50Ohio 0.17 0.16 0.17 17,960.55 17,243.95 16,943.40Oklahoma 0.40 0.36 0.37 25,605.41 28,721.33 28,581.64Oregon 0.15 0.15 0.14 22,246.95 23,422.81 21,854.02Pennsylvania 0.12 0.12 0.12 41,873.92 45,706.45 44,542.22Rhode Island 0.41 0.44 0.46 23,256.80 25,952.67 24,956.73South Carolina 0.29 0.29 0.27 27,605.46 26,360.33 24,901.93South Dakota 0.04 0.04 0.04 46,475.12 38,222.53 33,783.69Tennessee 0.19 0.18 0.16 18,794.28 18,218.16 19,031.63Texas n/a n/a n/a n/a n/a n/aUtah 0.13 0.12 0.13 41,097.19 36,898.49 34,033.27Vermont 0.11 0.11 0.10 27,972.66 17,532.87 31,765.24Virginia 0.11 0.11 0.11 26,569.04 26,890.06 25,308.70Washington 0.31 0.31 0.30 22,973.61 24,039.60 24,485.24West Virginia 0.15 0.15 0.16 25,626.66 27,127.44 30,311.27Wisconsin 0.10 0.09 0.09 32,693.33 32,521.03 30,777.78Wyoming 0.04 0.04 0.04 36,096.43 42,252.20 39,827.22Countrywide 0.18 0.17 0.17 29,937.11 29,722.81 28,945.97CW w/o TX and MA 0.18 0.17 0.17 26,964.48 26,872.45 26,257.38

Table 21D-1


Frequency - Bodily Injury Component Severity - Bodily Injury Component

Voluntary Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0.00 0.00 0.00 7,942.15 6,265.56 10,856.09Alaska 0.71 0.75 0.87 2,027.06 1,933.76 1,878.17Arizona 0.00 0.00 0.00 6,976.23 1,112.18 1,101.65Arkansas 0.89 0.84 0.81 2,093.12 1,836.08 1,770.33California 0.08 0.08 0.08 2,183.29 2,101.58 1,955.17Colorado 0.08 0.08 0.09 2,640.84 2,304.79 2,267.28Connecticut 0.00 0.00 0.00 1,164.00 0.00 551.60Delaware 0.86 0.85 0.82 1,600.62 1,395.70 1,309.15District of Columbia 2.77 2.59 2.37 1,299.76 1,269.85 1,203.28Florida 0.00 0.00 0.00 - 794.00 449.75Georgia 0.72 0.67 0.62 2,153.70 1,849.95 1,764.06Hawaii 0.00 0.00 0.00 - - -Idaho 0.05 0.04 0.04 1,959.75 1,833.12 1,622.88Illinois 0.03 0.03 0.03 2,632.49 2,419.07 2,339.62Indiana 0.31 0.30 0.29 2,048.25 1,921.79 1,720.17Iowa 0.00 0.00 0.00 3,966.43 2,114.22 2,922.83Kansas 0.00 0.00 0.00 2,194.05 2,542.34 2,720.67Kentucky 0.00 0.00 0.00 8,852.83 4,067.74 4,804.75Louisiana 0.07 0.07 0.07 3,075.63 2,812.58 2,741.36Maine 0.00 0.00 0.00 1,041.50 - 244.50Maryland 1.23 1.16 1.11 1,477.72 1,386.05 1,335.61Massachusetts 0.00 0.00 0.00 - - -Michigan 0.00 0.00 0.00 2,420.60 983.33 6,406.78Minnesota 0.00 0.00 0.00 594.70 1,937.23 846.36Mississippi 1.15 1.13 1.14 2,106.46 1,904.72 1,799.90Missouri 0.00 0.00 0.00 3,007.11 3,187.66 2,950.67Montana 0.03 0.02 0.02 2,817.64 3,121.19 2,868.30Nebraska 0.00 0.00 0.00 2,550.17 1,847.79 2,513.14Nevada 0.00 0.00 0.00 1,759.36 2,703.97 1,295.42New Hampshire 0.01 0.01 0.01 2,223.20 2,171.40 1,769.09New Jersey 0.09 0.08 0.08 3,158.97 2,833.33 2,821.31New Mexico 1.21 1.18 1.13 2,409.72 2,211.03 2,105.76New York 0.00 0.00 0.00 - 11,160.33 3,311.00North Carolina 0.13 0.11 0.11 1,730.33 1,603.78 1,463.44North Dakota 0.00 0.00 0.00 1,924.75 - 724.00Ohio 0.05 0.05 0.05 2,604.45 2,486.71 2,086.31Oklahoma 0.00 0.00 0.00 3,381.33 1,304.00 3,398.67Oregon 0.54 0.50 0.48 1,771.46 1,528.12 1,370.77Pennsylvania 0.00 0.00 0.00 - 4,035.50 9,399.92Rhode Island 0.66 0.58 0.58 2,677.16 2,619.71 2,545.43South Carolina 0.70 0.66 0.66 1,499.00 1,361.72 1,240.14South Dakota 0.00 0.00 0.00 3,170.00 3,022.67 1,523.14Tennessee 0.88 0.83 0.82 2,168.85 2,021.14 1,938.25Texas n/a n/a n/a n/a n/a n/aUtah 0.02 0.02 0.03 2,348.92 2,138.35 2,011.78Vermont 0.91 0.94 0.92 973.29 898.48 869.72Virginia 0.97 0.91 0.89 779.38 782.71 739.24Washington 1.11 1.05 1.01 2,143.86 1,913.66 1,814.19West Virginia 0.41 0.47 0.49 2,284.95 1,828.95 1,703.20Wisconsin 0.01 0.01 0.01 6,313.00 5,235.58 4,150.80Wyoming 0.00 0.00 0.00 2,345.85 3,153.00 2,100.80Countrywide 0.24 0.23 0.22 1,804.50 1,650.42 1,559.10CW w/o TX and MA 0.25 0.23 0.23 1,804.50 1,650.42 1,559.10

Table 21D-2


Frequency - Property Damage Component Severity - Property Damage Component

Voluntary Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0 0 0 0 0 0Alaska 1,497 1,590 704 5 5 3Arizona 0 0 0 0 0 0Arkansas 397 150 11 3 1 0California 35,647 39,757 45,899 110 122 141Colorado 0 0 0 0 0 0Connecticut 7,477 13,880 23,298 79 137 181Delaware 71 15 77 1 0 0District of Columbia 16,314 28,783 34,617 73 115 140Florida 5,269 6,489 5,748 8 15 15Georgia 0 0 0 0 0 0Hawaii 12,912 10,842 26,643 45 53 182Idaho 29 28 6 0 2 0Illinois 15,643 19,203 27,305 292 360 514Indiana 242 179 168 4 5 5Iowa 268 266 295 8 9 12Kansas 48,145 50,322 46,701 1,653 1,767 1,663Kentucky 6,043 4,195 3,375 33 21 14Louisiana 785 176 113 3 1 0Maine 135 224 312 4 8 10Maryland 4,251,132 3,946,856 4,054,991 43,905 40,870 41,497Massachusetts n/a n/a n/a 54,367 69,503 91,313Michigan 48,604 72,727 53,418 3,114 3,555 2,510Minnesota 72 148 725 1 4 17Mississippi 773 1,020 1,268 3 6 13Missouri 161 29 419 2 1 12Montana 49 912 1,558 1 6 14Nebraska 57 3 61 1 0 1Nevada 133 0 -32 1 0 0New Hampshire 6,136 7,839 8,465 84 104 106New Jersey 220,231 353,145 523,871 3,329 5,623 9,364New Mexico 85 131 144 1 2 1New York 1,426,951 1,643,811 2,007,259 33,128 38,791 50,155North Carolina 0 0 0 0 0 0North Dakota 55 50 29 3 5 2Ohio 0 0 0 0 0 0Oklahoma 989 792 672 1 2 2Oregon 0 0 183 0 0 2Pennsylvania 29,012 34,913 40,891 198 233 256Rhode Island 761,756 627,955 498,669 1,280 1,070 847South Carolina -1 138 20 0 1 0South Dakota 26 4 0 1 0 0Tennessee 380 274 341 3 3 5Texas 59,513 63,350 82,100 n/a n/a n/aUtah -1 90 146 0 2 4Vermont 3,028 2,975 5,148 39 38 53Virginia 27,339 32,088 36,976 382 445 527Washington 365 92 0 1 0 0West Virginia 1,396 1,035 1,725 10 5 12Wisconsin 137 44 3 2 0 0Wyoming 0 0 0 0 0 0Countrywide 6,989,252 6,966,520 7,534,322 142,178 162,890 199,593CW w/o TX and MA 6,929,739 6,903,170 7,452,222 87,811 93,387 108,280

Table 22A



Residual Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California 0 0 5,500 0 0 1Colorado 0 0 0 0 0 0Connecticut 0 20,470 0 0 1 0Delaware 0 0 0 0 0 0District of Columbia 0 1,880 22,151 0 1 3Florida 0 10,643 0 0 1 0Georgia 0 0 0 0 0 0Hawaii 0 0 0 0 0 0Idaho 0 0 0 0 0 0Illinois 0 0 592 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 49,500 0 22,895 2 0 1Kentucky 18,490 0 19,956 1 0 1Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 4,659,031 3,270,666 4,282,700 1,075 934 1,080Massachusetts 1,670,420 1,592,143 2,157,046 142 184 225Michigan 287,933 240,812 210,829 19 17 15Minnesota 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 0 0 0 0 0 0New Jersey 287,730 447,658 321,709 16 23 24New Mexico 0 0 0 0 0 0New York 906,456 1,100,988 1,401,139 64 71 77North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 128,648 0 0 1 0 0Oregon 0 0 0 0 0 0Pennsylvania 0 99,826 17,466 0 1 1Rhode Island 559,928 613,513 387,716 56 33 34South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 33,411 13,341 12,155 n/a n/a n/aUtah 0 0 0 0 0 0Vermont 0 0 0 0 0 0Virginia 0 0 0 0 0 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 8,601,547 7,411,940 8,861,854 1,376 1,266 1,462CW w/o TX and MA 6,897,716 5,806,456 6,692,653 1,234 1,082 1,237

Table 22B-1



Residual Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California 0 0 14,404 0 0 2Colorado 0 0 0 0 0 0Connecticut 0 0 0 0 0 0Delaware 0 0 0 0 0 0District of Columbia 674 1,237 13,260 1 1 5Florida 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 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 0 0 0 1 0 0Kentucky 0 0 0 0 0 0Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 0 0 0 0 0 0Massachusetts 0 0 0 0 0 0Michigan 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 0 3,768 0 0 1 0New Jersey 31,153 92,821 71,805 6 16 18New Mexico 0 0 0 0 0 0New York 0 0 0 0 0 -1North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 0 0 0 0 0 0Pennsylvania 0 0 0 0 0 0Rhode Island 312,383 262,525 198,025 63 67 47South 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 6,606 14,112 8,504 5 4 5Washington 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 350,816 374,463 305,998 76 89 76CW w/o TX and MA 350,816 374,463 305,998 76 89 76

Table 22B-2



Residual Business



STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska 0.00 0.00 0.00 0.00 0.00 0.00Arizona - - - - - -Arkansas 0.00 0.00 - 0.00 0.00 0.00California 0.00 0.00 141.16 0.00 0.00 43.36Colorado - - - - - -Connecticut 0.00 149.42 0.00 0.00 147.48 0.00Delaware 0.00 - - 0.00 0.00 0.00District of Columbia 9.23 27.10 252.94 4.13 10.83 102.29Florida 0.00 709.53 0.00 0.00 164.02 0.00Georgia - - - - - -Hawaii 0.00 0.00 0.00 0.00 0.00 0.00Idaho - 0.00 - 0.00 0.00 0.00Illinois 0.00 0.00 1.15 0.00 0.00 2.17Indiana 0.00 0.00 0.00 0.00 0.00 0.00Iowa 0.00 0.00 0.00 0.00 0.00 0.00Kansas 29.95 0.00 13.77 102.81 0.00 49.02Kentucky 560.30 0.00 1,425.43 305.97 0.00 591.29Louisiana 0.00 0.00 - 0.00 0.00 0.00Maine 0.00 0.00 0.00 0.00 0.00 0.00Maryland 106.12 80.03 103.21 109.60 82.87 105.62Massachusetts 30.72 22.91 23.62 n/a n/a n/aMichigan 92.46 67.74 84.00 592.41 331.12 394.68Minnesota 0.00 0.00 0.00 0.00 0.00 0.00Mississippi 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 - 0.00New Hampshire 0.00 36.23 0.00 0.00 48.07 0.00New Jersey 95.79 96.12 42.02 144.79 153.05 75.12New Mexico 0.00 0.00 0.00 0.00 0.00 0.00New York 27.36 28.38 27.94 63.52 66.98 69.80North Carolina - - - - - -North Dakota 0.00 0.00 0.00 0.00 0.00 0.00Ohio - - - - - -Oklahoma 128,648.00 0.00 0.00 13,007.89 0.00 0.00Oregon - - 0.00 - - 0.00Pennsylvania 0.00 428.44 68.23 0.00 285.93 42.71Rhode Island 681.49 818.73 691.55 114.51 139.51 117.46South Carolina - 0.00 - 0.00 0.00 0.00South Dakota 0.00 - - 0.00 0.00 -Tennessee 0.00 0.00 0.00 0.00 0.00 0.00Texas n/a n/a n/a 56.14 21.06 14.81Utah - 0.00 0.00 0.00 0.00 0.00Vermont 0.00 0.00 0.00 0.00 0.00 0.00Virginia 17.29 31.71 16.14 24.16 43.98 23.00Washington 0.00 - - 0.00 0.00 -West Virginia 0.00 0.00 0.00 0.00 0.00 0.00Wisconsin 0.00 - - 0.00 0.00 0.00Wyoming - - - - - -Countrywide 62.97 47.80 45.93 128.09 111.77 121.68CW w/o TX and MA 82.55 66.19 64.63 104.60 89.54 93.91

Table 22C



Residual Business



STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska 0.00 0.00 0.00 0.00 0.00 0.00Arizona - - - - - -Arkansas 0.00 0.00 - 0.00 0.00 0.00California 0.00 0.00 39.01 0.00 0.00 11.98Colorado - - - - - -Connecticut 0.00 149.42 0.00 0.00 147.48 0.00Delaware 0.00 - - 0.00 0.00 0.00District of Columbia 0.00 16.35 158.22 0.00 6.53 63.99Florida 0.00 709.53 0.00 0.00 164.02 0.00Georgia - - - - - -Hawaii 0.00 0.00 0.00 0.00 0.00 0.00Idaho - 0.00 - 0.00 0.00 0.00Illinois 0.00 0.00 1.15 0.00 0.00 2.17Indiana 0.00 0.00 0.00 0.00 0.00 0.00Iowa 0.00 0.00 0.00 0.00 0.00 0.00Kansas 29.95 0.00 13.77 102.81 0.00 49.02Kentucky 560.30 0.00 1,425.43 305.97 0.00 591.29Louisiana 0.00 0.00 - 0.00 0.00 0.00Maine 0.00 0.00 0.00 0.00 0.00 0.00Maryland 106.12 80.03 103.21 109.60 82.87 105.62Massachusetts 30.72 22.91 23.62 n/a n/a n/aMichigan 92.46 67.74 84.00 592.41 331.12 394.68Minnesota 0.00 0.00 0.00 0.00 0.00 0.00Mississippi 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 - 0.00New Hampshire 0.00 0.00 0.00 0.00 0.00 0.00New Jersey 86.43 79.61 34.36 130.65 126.76 61.41New Mexico 0.00 0.00 0.00 0.00 0.00 0.00New York 27.36 28.38 27.94 63.52 66.98 69.80North Carolina - - - - - -North Dakota 0.00 0.00 0.00 0.00 0.00 0.00Ohio - - - - - -Oklahoma 128,648.00 0.00 0.00 13,007.89 0.00 0.00Oregon - - 0.00 - - 0.00Pennsylvania 0.00 428.44 68.23 0.00 285.93 42.71Rhode Island 437.44 573.38 457.75 73.50 97.70 77.75South Carolina - 0.00 - 0.00 0.00 0.00South Dakota 0.00 - - 0.00 0.00 -Tennessee 0.00 0.00 0.00 0.00 0.00 0.00Texas n/a n/a n/a 56.14 21.06 14.81Utah - 0.00 0.00 0.00 0.00 0.00Vermont 0.00 0.00 0.00 0.00 0.00 0.00Virginia 0.00 0.00 0.00 0.00 0.00 0.00Washington 0.00 - - 0.00 0.00 -West Virginia 0.00 0.00 0.00 0.00 0.00 0.00Wisconsin 0.00 - - 0.00 0.00 0.00Wyoming - - - - - -Countrywide 60.50 45.50 44.40 123.07 106.39 117.62CW w/o TX and MA 78.55 62.18 61.81 99.54 84.11 89.81

Table 22C-1



Residual Business



STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska 0.00 0.00 0.00 0.00 0.00 0.00Arizona - - - - - -Arkansas 0.00 0.00 - 0.00 0.00 0.00California 0.00 0.00 102.16 0.00 0.00 31.38Colorado - - - - - -Connecticut 0.00 0.00 0.00 0.00 0.00 0.00Delaware 0.00 - - 0.00 0.00 0.00District of Columbia 9.23 10.76 94.71 4.13 4.30 38.30Florida 0.00 0.00 0.00 0.00 0.00 0.00Georgia - - - - - -Hawaii 0.00 0.00 0.00 0.00 0.00 0.00Idaho - 0.00 - 0.00 0.00 0.00Illinois 0.00 0.00 0.00 0.00 0.00 0.00Indiana 0.00 0.00 0.00 0.00 0.00 0.00Iowa 0.00 0.00 0.00 0.00 0.00 0.00Kansas 0.00 0.00 0.00 0.00 0.00 0.00Kentucky 0.00 0.00 0.00 0.00 0.00 0.00Louisiana 0.00 0.00 - 0.00 0.00 0.00Maine 0.00 0.00 0.00 0.00 0.00 0.00Maryland 0.00 0.00 0.00 0.00 0.00 0.00Massachusetts 0.00 0.00 0.00 n/a n/a n/aMichigan 0.00 0.00 0.00 0.00 0.00 0.00Minnesota 0.00 0.00 0.00 0.00 0.00 0.00Mississippi 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 - 0.00New Hampshire 0.00 36.23 0.00 0.00 48.07 0.00New Jersey 9.36 16.51 7.67 14.15 26.28 13.71New Mexico 0.00 0.00 0.00 0.00 0.00 0.00New York 0.00 0.00 0.00 0.00 0.00 0.00North Carolina - - - - - -North Dakota 0.00 0.00 0.00 0.00 0.00 0.00Ohio - - - - - -Oklahoma 0.00 0.00 0.00 0.00 0.00 0.00Oregon - - 0.00 - - 0.00Pennsylvania 0.00 0.00 0.00 0.00 0.00 0.00Rhode Island 244.05 245.35 233.80 41.01 41.81 39.71South Carolina - 0.00 - 0.00 0.00 0.00South Dakota 0.00 - - 0.00 0.00 -Tennessee 0.00 0.00 0.00 0.00 0.00 0.00Texas n/a n/a n/a 0.00 0.00 0.00Utah - 0.00 0.00 0.00 0.00 0.00Vermont 0.00 0.00 0.00 0.00 0.00 0.00Virginia 17.29 31.71 16.14 24.16 43.98 23.00Washington 0.00 - - 0.00 0.00 -West Virginia 0.00 0.00 0.00 0.00 0.00 0.00Wisconsin 0.00 - - 0.00 0.00 0.00Wyoming - - - - - -Countrywide 2.47 2.30 1.53 5.02 5.38 4.06CW w/o TX and MA 4.00 4.01 2.83 5.06 5.42 4.11

Table 22C-2



Residual Business



STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska 0.00 0.00 0.00 - - -Arizona - - - - - -Arkansas 0.00 0.00 - - - -California 0.00 0.00 0.71 - - 5,500.00Colorado - - - - - -Connecticut 0.00 0.73 0.00 - 20,470.00 -Delaware 0.00 - - - - -District of Columbia 0.00 0.87 2.14 - 1,880.00 7,383.67Florida 0.00 6.67 0.00 - 10,643.00 -Georgia - - - - - -Hawaii 0.00 0.00 0.00 - - -Idaho - 0.00 - - - -Illinois 0.00 0.00 0.00 - - -Indiana 0.00 0.00 0.00 - - -Iowa 0.00 0.00 0.00 - - -Kansas 0.12 0.00 0.06 24,750.00 - 22,895.00Kentucky 3.03 0.00 7.14 18,490.00 - 19,956.00Louisiana 0.00 0.00 - - - -Maine 0.00 0.00 0.00 - - -Maryland 2.45 2.29 2.60 4,333.98 3,501.78 3,965.46Massachusetts 0.26 0.26 0.25 11,763.52 8,652.95 9,586.87Michigan 0.61 0.48 0.60 15,154.37 14,165.41 14,055.27Minnesota 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 - - - - -New Hampshire 0.00 0.00 0.00 - - -New Jersey 0.48 0.41 0.26 17,983.13 19,463.39 13,404.54New Mexico 0.00 0.00 0.00 - - -New York 0.19 0.18 0.15 14,163.38 15,506.87 18,196.61North Carolina - - - - - -North Dakota 0.00 0.00 0.00 - - -Ohio - - - - - -Oklahoma 100.00 0.00 0.00 128,648.00 - -Oregon - - 0.00 - - -Pennsylvania 0.00 0.43 0.39 - 99,826.00 17,466.00Rhode Island 4.38 3.08 4.01 9,998.71 18,591.30 11,403.41South Carolina - 0.00 - - - -South Dakota 0.00 - - - - -Tennessee 0.00 0.00 0.00 - - -Texas n/a n/a n/a n/a n/a n/aUtah - 0.00 0.00 - - -Vermont 0.00 0.00 0.00 - - -Virginia 0.00 0.00 0.00 - - -Washington 0.00 - - - - -West Virginia 0.00 0.00 0.00 - - -Wisconsin 0.00 - - - - -Wyoming - - - - - -Countrywide 0.97 0.78 0.73 6,251.12 5,854.61 6,061.46CW w/o TX and MA 1.41 1.16 1.14 5,589.72 5,366.41 5,410.39

Table 22D-1



Residual Business



STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska 0.00 0.00 0.00 - - -Arizona - - - - - -Arkansas 0.00 0.00 - - - -California 0.00 0.00 1.42 - - 7,202.00Colorado - - - - - -Connecticut 0.00 0.00 0.00 - - -Delaware 0.00 - - - - -District of Columbia 1.37 0.87 3.57 674.00 1,237.00 2,652.00Florida 0.00 0.00 0.00 - - -Georgia - - - - - -Hawaii 0.00 0.00 0.00 - - -Idaho - 0.00 - - - -Illinois 0.00 0.00 0.00 - - -Indiana 0.00 0.00 0.00 - - -Iowa 0.00 0.00 0.00 - - -Kansas 0.06 0.00 0.00 0.00 - -Kentucky 0.00 0.00 0.00 - - -Louisiana 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 - - - - -New Hampshire 0.00 0.96 0.00 - 3,768.00 -New Jersey 0.18 0.28 0.19 5,192.17 5,801.31 3,989.17New Mexico 0.00 0.00 0.00 - - -New York 0.00 0.00 0.00 - - 0.00North Carolina - - - - - -North Dakota 0.00 0.00 0.00 - - -Ohio - - - - - -Oklahoma 0.00 0.00 0.00 - - -Oregon - - 0.00 - - -Pennsylvania 0.00 0.00 0.00 - - -Rhode Island 4.92 6.26 5.55 4,958.46 3,918.28 4,213.30South Carolina - 0.00 - - - -South Dakota 0.00 - - - - -Tennessee 0.00 0.00 0.00 - - -Texas n/a n/a n/a n/a n/a n/aUtah - 0.00 0.00 - - -Vermont 0.00 0.00 0.00 - - -Virginia 1.31 0.90 0.95 1,321.20 3,528.00 1,700.80Washington 0.00 - - - - -West Virginia 0.00 0.00 0.00 - - -Wisconsin 0.00 - - - - -Wyoming - - - - - -Countrywide 0.05 0.05 0.04 4,616.00 4,207.45 4,026.29CW w/o TX and MA 0.09 0.10 0.07 4,616.00 4,207.45 4,026.29

Table 22D-2



Residual Business



STATE 2015 2014 2013 2015 2014 2013Alabama 220,453,830 218,450,144 216,817,026 3,116,545 3,078,690 3,027,718Alaska 54,907,617 56,926,841 57,600,137 439,068 431,499 427,394Arizona 322,632,601 301,320,442 283,779,329 3,504,715 3,378,850 3,307,093Arkansas 121,576,826 118,873,204 116,189,649 1,748,863 1,703,377 1,689,864California 1,324,015,948 1,286,316,620 1,246,108,993 22,071,168 21,422,365 20,968,328Colorado 302,243,277 282,956,981 268,041,596 2,028,175 2,013,393 2,043,146Connecticut 190,439,929 189,714,146 193,155,916 2,387,512 2,358,006 2,336,921Delaware 52,833,945 52,272,396 51,403,318 596,708 580,740 566,650District of Columbia 24,518,863 24,251,717 24,362,019 245,635 238,655 234,240Florida 1,192,199,258 1,130,264,130 1,138,694,122 7,353,760 7,240,884 7,180,646Georgia 521,299,350 489,181,328 475,893,045 6,005,644 6,092,710 6,065,593Hawaii 70,207,891 67,719,153 65,566,287 763,097 734,430 708,680Idaho 40,245,943 39,259,163 38,381,006 993,073 963,502 950,521Illinois 334,947,779 329,838,897 328,456,167 6,571,441 6,556,642 6,566,132Indiana 205,868,708 203,734,084 203,086,240 4,385,946 4,353,470 4,205,978Iowa 84,226,034 83,545,370 82,890,039 2,356,548 2,328,665 2,313,808Kansas 55,903,254 53,627,182 52,206,955 2,102,384 2,063,854 2,061,568Kentucky 175,821,900 171,432,083 172,450,776 2,083,885 2,045,579 2,059,429Louisiana 295,158,074 287,406,888 282,862,631 1,967,379 1,943,661 1,918,938Maine 30,287,120 29,843,369 30,370,013 938,446 920,001 902,645Maryland 294,335,723 296,488,856 293,781,310 3,947,412 3,887,145 3,840,994Massachusetts n/a n/a n/a 4,245,425 4,196,242 4,130,174Michigan 157,261,369 148,531,957 138,561,213 5,416,177 5,330,025 5,297,703Minnesota 164,873,683 162,697,703 162,992,624 3,856,743 3,791,846 3,777,170Mississippi 179,523,183 174,954,431 172,376,839 1,669,854 1,632,536 1,610,250Missouri 192,520,473 181,412,870 172,898,922 3,875,349 3,828,540 3,840,474Montana 40,928,849 39,839,354 39,763,810 490,766 483,330 485,548Nebraska 55,890,877 54,981,679 54,635,493 1,487,130 1,470,803 1,461,990Nevada 156,466,082 147,018,216 139,936,730 1,191,869 1,159,120 1,140,085New Hampshire 38,376,607 38,258,713 38,065,273 857,933 847,047 826,443New Jersey 435,116,044 425,461,379 412,257,042 5,487,949 5,447,561 5,389,927New Mexico 161,370,235 160,354,196 151,216,471 1,041,108 1,072,374 1,082,497New York 376,993,721 388,514,325 399,887,291 9,312,878 9,211,709 9,163,606North Carolina 253,563,500 252,323,050 257,724,173 6,093,069 6,041,940 6,239,233North Dakota 12,807,557 12,412,266 11,721,694 543,914 532,645 523,448Ohio 330,516,042 325,278,588 321,262,961 6,451,121 6,397,613 6,349,077Oklahoma 147,183,533 146,986,579 143,760,721 900,508 891,039 889,346Oregon 147,016,716 143,733,713 144,061,078 2,572,826 2,489,595 2,472,898Pennsylvania 607,830,643 618,773,943 638,534,400 7,760,343 7,610,522 7,620,351Rhode Island 76,672,959 75,747,099 75,561,971 413,019 402,841 394,574South Carolina 353,020,265 340,715,340 333,196,617 3,558,318 3,463,480 3,395,009South Dakota 19,881,636 19,280,359 18,708,844 651,280 637,135 628,496Tennessee 297,472,305 288,258,880 282,214,807 4,220,251 4,117,893 4,065,846Texas 1,243,232,596 1,191,358,894 1,155,252,092 n/a n/a n/aUtah 102,224,667 98,822,075 96,801,909 1,702,413 1,658,838 1,597,593Vermont 22,954,120 22,963,627 23,048,844 436,324 435,492 426,731Virginia 303,212,473 304,885,092 303,984,960 6,100,164 6,011,957 5,983,659Washington 418,362,103 402,613,152 390,267,243 3,388,245 3,256,853 3,199,435West Virginia 112,962,501 114,295,923 116,136,048 1,184,409 1,175,827 1,167,516Wisconsin 172,538,695 171,388,531 168,930,619 3,859,843 3,804,138 3,802,062Wyoming 12,064,642 11,940,145 11,625,221 389,974 387,617 386,676Countrywide 12,506,961,946 12,177,225,073 11,997,482,484 164,766,606 162,122,676 160,724,103CW w/o TX and MA 11,263,729,350 10,985,866,179 10,842,230,392 160,521,181 157,926,434 156,593,929

Table 23A



Total Business



STATE 2015 2014 2013 2015 2014 2013Alabama 184,521,853 167,019,787 160,308,685 7,142 6,581 6,386Alaska 21,649,782 24,313,539 20,009,819 641 690 710Arizona 261,155,251 247,107,269 238,959,600 8,136 8,085 8,148Arkansas 68,763,061 54,625,357 57,387,251 3,751 3,384 3,430California 869,207,913 709,240,771 708,742,238 39,165 34,462 38,552Colorado 318,553,169 300,207,444 265,231,191 6,028 5,840 5,402Connecticut 109,238,595 117,443,238 128,029,986 3,147 3,437 3,756Delaware 36,722,653 37,778,137 30,512,117 1,313 1,402 1,296District of Columbia 10,453,637 12,053,619 10,663,765 957 901 844Florida 1,029,748,449 987,783,718 908,110,049 38,270 36,141 32,805Georgia 395,637,789 351,921,687 322,033,924 16,737 14,438 13,650Hawaii 30,118,782 28,826,614 26,536,287 628 616 581Idaho 22,878,392 21,838,652 20,350,085 928 875 893Illinois 226,203,834 216,490,875 205,242,869 8,473 8,226 8,133Indiana 122,921,963 105,706,814 101,719,938 4,883 4,656 4,487Iowa 60,512,045 57,120,257 41,334,743 1,472 1,482 1,310Kansas 42,544,882 37,125,477 34,779,000 1,028 952 1,004Kentucky 134,380,890 133,411,411 130,587,955 4,693 4,559 4,328Louisiana 289,707,233 283,741,484 256,600,364 11,808 12,238 11,102Maine 13,163,052 16,445,990 16,734,756 275 324 317Maryland 147,196,959 150,156,387 154,266,543 11,437 10,895 10,579Massachusetts 69,723,052 69,350,799 66,464,086 3,265 3,257 3,153Michigan 118,233,121 114,508,163 105,280,724 2,511 2,286 2,189Minnesota 93,916,301 94,765,476 94,758,386 2,149 2,047 2,157Mississippi 101,632,920 95,365,085 86,191,393 4,743 4,579 4,427Missouri 168,204,813 136,595,600 137,270,140 6,232 5,270 5,069Montana 24,743,712 23,739,780 25,158,806 606 601 647Nebraska 42,169,350 42,433,699 38,474,204 1,062 1,083 984Nevada 153,910,370 157,420,184 142,505,157 5,350 5,349 4,833New Hampshire 18,803,888 23,859,787 20,619,947 523 551 539New Jersey 228,838,409 231,526,572 269,838,556 5,838 6,324 7,005New Mexico 76,448,420 89,385,371 87,417,237 2,562 2,962 3,129New York 221,925,535 216,516,233 228,557,623 5,347 5,094 5,197North Carolina 141,173,228 125,812,257 140,003,646 6,600 6,358 6,763North Dakota 7,424,344 6,278,454 5,808,645 133 101 90Ohio 191,495,339 178,819,775 180,057,521 10,662 10,370 10,627Oklahoma 93,178,690 92,138,018 94,005,011 3,635 3,208 3,289Oregon 88,120,172 85,422,973 77,013,563 3,961 3,647 3,524Pennsylvania 385,951,902 412,097,744 421,119,612 9,217 9,015 9,455Rhode Island 40,166,265 46,653,551 45,858,875 1,759 1,807 1,856South Carolina 282,817,906 261,916,212 226,532,867 10,245 9,936 9,097South Dakota 12,920,083 10,931,643 9,121,595 278 286 270Tennessee 148,831,893 132,136,305 125,646,831 7,919 7,253 6,602Texas 877,952,105 798,681,617 742,348,685 n/a n/a n/aUtah 87,742,502 74,756,343 70,448,877 2,135 2,026 2,070Vermont 13,762,547 8,187,851 13,055,515 492 467 411Virginia 180,961,712 179,544,942 172,175,076 6,811 6,677 6,803Washington 238,902,531 240,347,955 233,711,634 10,399 9,998 9,545West Virginia 44,564,754 49,019,283 57,742,974 1,739 1,807 1,905Wisconsin 131,623,334 115,937,468 104,613,658 4,026 3,565 3,399Wyoming 5,919,814 6,675,848 5,695,292 164 158 143Countrywide 8,687,339,196 8,181,183,515 7,865,637,301 291,275 276,266 272,891CW w/o TX and MA 7,739,664,039 7,313,151,099 7,056,824,530 288,010 273,009 269,738

Table 23B-1



Total Business



STATE 2015 2014 2013 2015 2014 2013Alabama 468,587 281,950 249,690 59 45 23Alaska 6,304,147 6,278,915 6,956,738 3,110 3,247 3,704Arizona 732,504 100,096 125,588 105 90 114Arkansas 32,598,188 26,353,231 24,210,986 15,574 14,353 13,676California 40,174,781 36,237,514 32,597,304 18,401 17,243 16,667Colorado 4,478,869 3,724,548 4,024,416 1,696 1,616 1,775Connecticut 4,656 0 2,758 4 1 5Delaware 8,228,787 6,905,900 6,063,966 5,141 4,948 4,632District of Columbia 8,845,574 7,852,691 6,702,317 6,806 6,184 5,564Florida 0 794 1,799 0 1 4Georgia 92,723,417 75,239,170 66,513,731 43,053 40,671 37,705Hawaii 0 0 0 0 0 0Idaho 946,558 696,587 639,416 483 380 394Illinois 5,846,765 4,973,610 4,957,649 2,221 2,056 2,119Indiana 28,224,925 24,952,556 20,808,893 13,780 12,984 12,097Iowa 27,765 19,028 17,537 7 9 6Kansas 94,344 104,236 57,134 44 41 21Kentucky 106,234 77,287 38,438 12 19 8Louisiana 4,515,026 3,988,242 3,906,439 1,468 1,418 1,425Maine 2,083 0 1,956 2 0 8Maryland 70,841,726 61,815,237 56,455,064 47,940 44,598 42,269Massachusetts 0 0 0 0 0 0Michigan 12,103 8,850 57,661 5 9 9Minnesota 13,678 42,619 9,310 23 22 11Mississippi 40,540,851 35,277,312 32,927,462 19,246 18,521 18,294Missouri 216,512 213,573 159,336 72 67 54Montana 419,828 349,573 326,986 149 112 114Nebraska 58,654 25,869 17,592 23 14 7Nevada 49,262 81,119 31,090 28 30 24New Hampshire 217,874 160,109 93,762 98 73 53New Jersey 16,002,895 12,573,658 12,742,306 5,062 4,421 4,509New Mexico 30,348,017 27,865,625 25,726,024 12,594 12,603 12,217New York 0 892,826 3,311 0 80 0North Carolina 13,263,003 10,948,975 10,289,473 7,665 6,827 7,031North Dakota 7,699 0 1,448 4 0 2Ohio 8,951,500 7,601,860 6,882,732 3,437 3,057 3,299Oklahoma 10,144 1,304 10,196 3 1 3Oregon 24,391,236 19,200,818 16,164,136 13,769 12,565 11,792Pennsylvania 0 40,355 112,799 0 10 12Rhode Island 7,532,689 6,348,113 6,044,874 2,760 2,390 2,344South Carolina 37,403,082 31,071,832 27,630,414 24,952 22,818 22,280South Dakota 15,850 9,068 10,662 5 3 7Tennessee 80,945,808 69,474,789 64,908,022 37,322 34,374 33,488Texas 0 0 0 n/a n/a n/aUtah 880,845 789,052 846,959 375 369 421Vermont 3,847,420 3,674,797 3,418,882 3,953 4,090 3,931Virginia 46,103,179 42,871,479 39,317,423 59,150 54,759 53,180Washington 80,557,858 65,642,480 58,565,760 37,576 34,302 32,282West Virginia 11,054,611 10,083,014 9,674,203 4,838 5,513 5,680Wisconsin 1,950,718 1,397,900 1,037,700 309 267 250Wyoming 30,496 31,530 10,504 13 10 5Countrywide 709,990,748 606,280,091 551,352,846 393,337 367,211 353,515CW w/o TX and MA 709,990,748 606,280,091 551,352,846 393,337 367,211 353,515

Table 23B-2



Total Business




Table 23C



Total Business




Table 23C-1



Total Business




Table 23C-2



Total Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0.23 0.21 0.21 25,836.16 25,379.09 25,103.15Alaska 0.15 0.16 0.17 33,775.01 35,237.01 28,182.84Arizona 0.23 0.24 0.25 32,098.73 30,563.67 29,327.39Arkansas 0.21 0.20 0.20 18,331.93 16,142.24 16,730.98California 0.18 0.16 0.18 22,193.49 20,580.37 18,384.06Colorado 0.30 0.29 0.26 52,845.58 51,405.38 49,098.70Connecticut 0.13 0.15 0.16 34,711.98 34,170.28 34,086.79Delaware 0.22 0.24 0.23 27,968.51 26,945.89 23,543.30District of Columbia 0.39 0.38 0.36 10,923.34 13,378.05 12,634.79Florida 0.52 0.50 0.46 26,907.46 27,331.39 27,682.06Georgia 0.28 0.24 0.23 23,638.51 24,374.68 23,592.23Hawaii 0.08 0.08 0.08 47,959.84 46,796.45 45,673.47Idaho 0.09 0.09 0.09 24,653.44 24,958.46 22,788.45Illinois 0.13 0.13 0.12 26,697.02 26,317.88 25,235.81Indiana 0.11 0.11 0.11 25,173.45 22,703.35 22,669.92Iowa 0.06 0.06 0.06 41,108.73 38,542.68 31,553.24Kansas 0.05 0.05 0.05 41,386.07 38,997.35 34,640.44Kentucky 0.23 0.22 0.21 28,634.33 29,263.31 30,172.82Louisiana 0.60 0.63 0.58 24,534.83 23,185.28 23,112.99Maine 0.03 0.04 0.04 47,865.64 50,759.23 52,791.03Maryland 0.29 0.28 0.28 12,870.24 13,782.14 14,582.34Massachusetts 0.08 0.08 0.08 21,354.69 21,292.85 21,079.63Michigan 0.05 0.04 0.04 47,086.07 50,091.06 48,095.35Minnesota 0.06 0.05 0.06 43,702.33 46,294.81 43,930.64Mississippi 0.28 0.28 0.27 21,427.98 20,826.62 19,469.48Missouri 0.16 0.14 0.13 26,990.50 25,919.47 27,080.32Montana 0.12 0.12 0.13 40,831.21 39,500.47 38,885.33Nebraska 0.07 0.07 0.07 39,707.49 39,181.62 39,099.80Nevada 0.45 0.46 0.42 28,768.29 29,429.83 29,485.86New Hampshire 0.06 0.07 0.07 35,953.90 43,302.70 38,255.93New Jersey 0.11 0.12 0.13 39,198.08 36,610.78 38,520.85New Mexico 0.25 0.28 0.29 29,839.35 30,177.37 27,937.76New York 0.06 0.06 0.06 41,504.68 42,504.17 43,978.76North Carolina 0.11 0.11 0.11 21,389.88 19,788.02 20,701.41North Dakota 0.02 0.02 0.02 55,822.14 62,162.91 64,540.50Ohio 0.17 0.16 0.17 17,960.55 17,243.95 16,943.40Oklahoma 0.40 0.36 0.37 25,633.75 28,721.33 28,581.64Oregon 0.15 0.15 0.14 22,246.95 23,422.81 21,854.02Pennsylvania 0.12 0.12 0.12 41,873.92 45,712.45 44,539.36Rhode Island 0.43 0.45 0.47 22,834.72 25,818.24 24,708.45South Carolina 0.29 0.29 0.27 27,605.46 26,360.33 24,901.93South Dakota 0.04 0.04 0.04 46,475.12 38,222.53 33,783.69Tennessee 0.19 0.18 0.16 18,794.28 18,218.16 19,031.63Texas n/a n/a n/a n/a n/a n/aUtah 0.13 0.12 0.13 41,097.19 36,898.49 34,033.27Vermont 0.11 0.11 0.10 27,972.66 17,532.87 31,765.24Virginia 0.11 0.11 0.11 26,569.04 26,890.06 25,308.70Washington 0.31 0.31 0.30 22,973.61 24,039.60 24,485.24West Virginia 0.15 0.15 0.16 25,626.66 27,127.44 30,311.27Wisconsin 0.10 0.09 0.09 32,693.33 32,521.03 30,777.78Wyoming 0.04 0.04 0.04 36,096.43 42,252.20 39,827.22Countrywide 0.18 0.17 0.17 29,825.21 29,613.43 28,823.37CW w/o TX and MA 0.18 0.17 0.17 26,872.90 26,787.22 26,161.77

Table 23D-1



Total Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0.00 0.00 0.00 7,942.15 6,265.56 10,856.09Alaska 0.71 0.75 0.87 2,027.06 1,933.76 1,878.17Arizona 0.00 0.00 0.00 6,976.23 1,112.18 1,101.65Arkansas 0.89 0.84 0.81 2,093.12 1,836.08 1,770.33California 0.08 0.08 0.08 2,183.29 2,101.58 1,955.80Colorado 0.08 0.08 0.09 2,640.84 2,304.79 2,267.28Connecticut 0.00 0.00 0.00 1,164.00 0.00 551.60Delaware 0.86 0.85 0.82 1,600.62 1,395.70 1,309.15District of Columbia 2.77 2.59 2.38 1,299.67 1,269.84 1,204.59Florida 0.00 0.00 0.00 - 794.00 449.75Georgia 0.72 0.67 0.62 2,153.70 1,849.95 1,764.06Hawaii 0.00 0.00 0.00 - - -Idaho 0.05 0.04 0.04 1,959.75 1,833.12 1,622.88Illinois 0.03 0.03 0.03 2,632.49 2,419.07 2,339.62Indiana 0.31 0.30 0.29 2,048.25 1,921.79 1,720.17Iowa 0.00 0.00 0.00 3,966.43 2,114.22 2,922.83Kansas 0.00 0.00 0.00 2,144.18 2,542.34 2,720.67Kentucky 0.00 0.00 0.00 8,852.83 4,067.74 4,804.75Louisiana 0.07 0.07 0.07 3,075.63 2,812.58 2,741.36Maine 0.00 0.00 0.00 1,041.50 - 244.50Maryland 1.21 1.15 1.10 1,477.72 1,386.05 1,335.61Massachusetts 0.00 0.00 0.00 - - -Michigan 0.00 0.00 0.00 2,420.60 983.33 6,406.78Minnesota 0.00 0.00 0.00 594.70 1,937.23 846.36Mississippi 1.15 1.13 1.14 2,106.46 1,904.72 1,799.90Missouri 0.00 0.00 0.00 3,007.11 3,187.66 2,950.67Montana 0.03 0.02 0.02 2,817.64 3,121.19 2,868.30Nebraska 0.00 0.00 0.00 2,550.17 1,847.79 2,513.14Nevada 0.00 0.00 0.00 1,759.36 2,703.97 1,295.42New Hampshire 0.01 0.01 0.01 2,223.20 2,193.27 1,769.09New Jersey 0.09 0.08 0.08 3,161.38 2,844.08 2,825.97New Mexico 1.21 1.18 1.13 2,409.72 2,211.03 2,105.76New York 0.00 0.00 0.00 - 11,160.33 -North Carolina 0.13 0.11 0.11 1,730.33 1,603.78 1,463.44North Dakota 0.00 0.00 0.00 1,924.75 - 724.00Ohio 0.05 0.05 0.05 2,604.45 2,486.71 2,086.31Oklahoma 0.00 0.00 0.00 3,381.33 1,304.00 3,398.67Oregon 0.54 0.50 0.48 1,771.46 1,528.12 1,370.77Pennsylvania 0.00 0.00 0.00 - 4,035.50 9,399.92Rhode Island 0.67 0.59 0.59 2,729.24 2,656.11 2,578.87South Carolina 0.70 0.66 0.66 1,499.00 1,361.72 1,240.14South Dakota 0.00 0.00 0.00 3,170.00 3,022.67 1,523.14Tennessee 0.88 0.83 0.82 2,168.85 2,021.14 1,938.25Texas n/a n/a n/a n/a n/a n/aUtah 0.02 0.02 0.03 2,348.92 2,138.35 2,011.78Vermont 0.91 0.94 0.92 973.29 898.48 869.72Virginia 0.97 0.91 0.89 779.43 782.91 739.33Washington 1.11 1.05 1.01 2,143.86 1,913.66 1,814.19West Virginia 0.41 0.47 0.49 2,284.95 1,828.95 1,703.20Wisconsin 0.01 0.01 0.01 6,313.00 5,235.58 4,150.80Wyoming 0.00 0.00 0.00 2,345.85 3,153.00 2,100.80Countrywide 0.24 0.23 0.22 1,805.04 1,651.04 1,559.63CW w/o TX and MA 0.25 0.23 0.23 1,805.04 1,651.04 1,559.63

Table 23D-2



Total Business


Total Liability


Total Liability


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 2015 2014 2013 2015 2014 2013Alabama 1,389,884,665 1,319,857,335 1,244,098,607 3,531,250 3,471,016 3,397,209Alaska 263,865,560 262,056,538 260,489,127 467,938 458,784 454,111Arizona 2,169,990,846 2,055,477,655 1,942,675,426 4,194,847 4,065,920 3,989,823Arkansas 805,667,459 778,497,507 753,204,277 2,054,943 2,011,672 1,997,636California 12,609,970,166 12,021,044,550 11,233,569,780 25,990,129 25,199,604 24,711,704Colorado 1,982,129,223 1,824,259,891 1,702,475,023 3,850,730 3,743,920 3,710,171Connecticut 1,574,949,037 1,527,170,649 1,494,565,190 2,373,306 2,343,475 2,322,206Delaware 510,068,196 495,829,324 474,830,379 643,323 628,761 615,447District of Columbia 151,743,277 147,103,812 143,740,274 246,617 239,819 235,643Florida 10,562,554,571 10,019,375,569 9,976,964,724 12,725,312 12,176,544 11,828,406Georgia 3,887,233,618 3,494,293,635 3,237,723,818 6,561,605 6,483,020 6,384,438Hawaii 385,005,729 375,686,188 367,102,644 848,603 825,179 806,416Idaho 372,718,372 353,969,375 336,065,152 1,063,144 1,036,902 1,028,768Illinois 3,055,412,674 2,952,930,028 2,889,354,859 6,851,381 6,828,097 6,838,268Indiana 1,715,454,692 1,636,018,540 1,570,626,377 4,565,125 4,507,002 4,349,399Iowa 712,905,469 686,932,971 669,661,946 2,413,967 2,384,455 2,369,014Kansas 768,429,935 740,896,930 714,265,077 2,174,278 2,151,544 2,160,834Kentucky 1,624,827,040 1,580,944,609 1,548,943,703 3,111,952 3,064,541 3,026,726Louisiana 2,163,625,663 2,039,561,537 1,929,742,490 2,809,806 2,748,239 2,700,888Maine 318,327,956 305,042,001 296,264,832 943,701 925,896 908,463Maryland 2,412,334,660 2,346,844,885 2,272,052,353 4,025,920 3,977,730 3,925,633Massachusetts 2,492,067,071 2,416,655,236 2,320,819,350 4,191,881 4,125,514 4,038,933Michigan 4,369,815,824 4,224,293,029 3,883,216,253 5,573,161 5,519,461 5,499,870Minnesota 1,743,844,018 1,684,156,260 1,629,987,000 3,841,725 3,780,175 3,761,122Mississippi 853,984,758 816,965,944 778,004,586 1,864,714 1,848,427 1,826,030Missouri 1,682,270,614 1,611,651,003 1,575,140,940 4,063,935 4,007,701 4,013,062Montana 284,276,401 274,577,133 267,170,378 730,723 716,156 709,770Nebraska 536,213,544 511,787,951 497,080,804 1,490,888 1,471,351 1,460,989Nevada 1,203,087,064 1,137,665,850 1,060,074,283 1,746,929 1,702,604 1,674,549New Hampshire 354,485,539 340,442,625 327,559,083 906,181 885,079 862,553New Jersey 4,682,550,041 4,647,824,606 4,539,534,514 5,365,503 5,293,237 5,215,855New Mexico 684,344,260 659,689,682 628,561,484 1,377,695 1,364,265 1,376,641New York 7,336,081,973 7,195,946,766 7,064,044,150 9,251,342 9,145,086 9,081,772North Carolina 2,382,851,678 2,355,361,375 2,419,500,393 6,842,944 6,762,931 6,927,049North Dakota 166,591,990 159,542,087 149,981,558 554,225 542,763 533,111Ohio 3,114,203,761 2,990,840,047 2,823,756,761 7,922,377 7,854,918 7,799,676Oklahoma 1,205,116,949 1,162,491,968 1,112,103,962 2,645,439 2,605,724 2,598,839Oregon 1,550,805,945 1,492,884,966 1,407,690,919 2,673,584 2,610,845 2,600,605Pennsylvania 4,124,489,330 4,055,299,747 3,993,778,459 8,380,326 8,310,889 8,252,562Rhode Island 483,750,580 460,998,846 445,852,728 648,363 637,554 635,376South Carolina 1,863,124,345 1,742,225,079 1,661,642,827 3,550,285 3,454,898 3,387,298South Dakota 195,288,217 184,356,344 176,438,616 654,239 638,892 629,672Tennessee 1,857,514,919 1,782,017,003 1,702,968,890 4,478,196 4,354,494 4,289,540Texas 9,282,375,601 8,771,204,653 8,264,617,799 n/a n/a n/aUtah 859,478,562 804,949,258 760,392,984 1,749,501 1,707,077 1,689,123Vermont 151,371,893 149,007,922 146,328,259 438,364 438,201 428,707Virginia 2,569,522,064 2,510,492,131 2,431,169,453 6,099,614 6,022,748 5,994,420Washington 2,537,674,059 2,413,945,566 2,299,046,335 4,268,118 4,157,168 4,119,808West Virginia 636,792,646 639,203,185 635,741,258 1,276,653 1,272,742 1,269,486Wisconsin 1,439,588,800 1,378,796,816 1,335,220,985 3,871,761 3,824,193 3,832,757Wyoming 141,314,578 138,593,347 133,197,576 428,038 425,399 424,130Countrywide 110,221,975,832 105,677,659,954 101,529,038,645 188,334,581 184,752,612 182,694,508CW w/o Texas 100,939,600,231 96,906,455,301 93,264,420,846 188,334,581 184,752,612 182,694,508*Total includes Other Liability that is not reported separately in this publication.

Table 24A

Total Liability 2013-2015*




STATE 2015 2014 2013Alabama 1,190,009,900 1,072,489,490 999,807,907Alaska 175,772,440 173,198,914 176,031,298Arizona 1,812,368,229 1,645,830,408 1,563,120,537Arkansas 661,999,874 592,354,015 565,181,539California 8,925,782,289 7,885,304,827 7,721,307,700Colorado 1,738,882,680 1,643,069,761 1,493,891,793Connecticut 1,213,306,131 1,161,635,994 1,202,375,802Delaware 405,605,789 382,167,745 381,667,098District of Columbia 139,298,638 122,785,798 113,707,293Florida 9,196,715,914 8,212,308,638 7,431,521,582Georgia 3,627,353,220 3,157,725,366 2,972,982,558Hawaii 251,698,321 243,127,508 226,331,753Idaho 280,897,611 261,062,842 242,837,327Illinois 2,544,915,544 2,337,464,679 2,252,948,816Indiana 1,387,745,635 1,265,878,801 1,187,422,609Iowa 572,920,443 525,646,291 469,093,917Kansas 601,438,447 563,236,397 511,799,710Kentucky 1,307,825,281 1,217,653,952 1,178,320,561Louisiana 2,042,057,302 1,805,625,495 1,669,285,738Maine 228,560,136 224,763,919 221,327,968Maryland 2,062,015,533 1,899,901,288 1,841,343,708Massachusetts 1,681,315,185 1,568,172,921 1,495,852,684Michigan 4,481,019,898 3,405,985,288 3,916,390,074Minnesota 1,247,904,782 1,204,506,275 1,185,155,466Mississippi 694,073,234 638,641,809 597,469,354Missouri 1,402,019,142 1,209,133,429 1,152,061,142Montana 212,572,691 191,840,936 183,736,781Nebraska 435,729,559 411,162,087 380,603,904Nevada 1,048,758,553 994,467,819 923,033,064New Hampshire 256,198,052 260,733,615 244,991,428New Jersey 3,575,940,733 3,423,999,375 3,515,168,730New Mexico 495,675,167 497,328,689 484,689,994New York 5,700,991,550 5,364,770,472 5,483,794,644North Carolina 1,976,318,644 1,840,126,585 1,872,350,036North Dakota 114,544,890 107,959,639 106,332,460Ohio 2,343,156,085 2,184,871,090 2,072,936,029Oklahoma 895,758,072 809,806,012 795,291,263Oregon 1,225,113,060 1,114,132,888 1,056,388,123Pennsylvania 3,120,870,074 2,984,828,954 3,024,810,118Rhode Island 387,628,838 377,966,701 352,535,734South Carolina 1,678,672,720 1,490,848,907 1,359,601,056South Dakota 151,836,749 128,940,474 127,520,429Tennessee 1,465,516,284 1,311,859,372 1,249,704,268Texas 6,575,434,178 6,106,646,455 5,721,899,372Utah 687,960,339 614,280,147 590,727,124Vermont 114,688,658 101,910,226 107,142,647Virginia 2,051,179,990 1,914,701,557 1,866,699,962Washington 2,072,358,533 1,949,882,677 1,833,338,575West Virginia 403,529,736 398,986,877 405,729,662Wisconsin 1,129,113,852 1,091,903,002 1,039,501,213Wyoming 101,013,636 99,156,904 90,652,672Countrywide 88,094,062,241 80,192,783,310 77,658,415,222CW w/o Texas 81,518,628,063 74,086,136,855 71,936,515,850*Total includes Other Liability that is not reported separately in this publication.

Incurred Losses

Table 24B

Voluntary BusinessTotal Liability 2013-2015*



STATE 2015 2014 2013 2015 2014 2013Alabama 336.99 308.98 294.30 85.62 81.26 80.36Alaska 375.63 377.52 387.64 66.61 66.09 67.58Arizona 432.05 404.79 391.78 83.52 80.07 80.46Arkansas 322.15 294.46 282.93 82.17 76.09 75.04California 343.43 312.91 312.46 70.78 65.60 68.73Colorado 451.57 438.86 402.65 87.73 90.07 87.75Connecticut 511.23 495.69 517.77 77.04 76.06 80.45Delaware 630.49 607.81 620.15 79.52 77.08 80.38District of Columbia 564.84 511.99 482.54 91.80 83.47 79.11Florida 722.71 674.44 628.28 87.07 81.96 74.49Georgia 552.81 487.08 465.66 93.31 90.37 91.82Hawaii 296.60 294.64 280.66 65.38 64.72 61.65Idaho 264.21 251.77 236.05 75.36 73.75 72.26Illinois 371.45 342.33 329.46 83.29 79.16 77.97Indiana 303.99 280.87 273.01 80.90 77.38 75.60Iowa 237.34 220.45 198.01 80.36 76.52 70.05Kansas 276.62 261.78 236.85 78.27 76.02 71.65Kentucky 420.26 397.34 389.31 80.49 77.02 76.07Louisiana 726.76 657.01 618.05 94.38 88.53 86.50Maine 242.20 242.75 243.63 71.80 73.68 74.71Maryland 512.18 477.63 469.06 85.48 80.96 81.04Massachusetts 401.09 380.12 370.36 67.47 64.89 64.45Michigan 804.04 617.09 712.09 102.54 80.63 100.85Minnesota 324.83 318.64 315.11 71.56 71.52 72.71Mississippi 372.21 345.51 327.20 81.27 78.17 76.80Missouri 344.99 301.70 287.08 83.34 75.02 73.14Montana 290.91 267.88 258.87 74.78 69.87 68.77Nebraska 292.26 279.45 260.51 81.26 80.34 76.57Nevada 600.34 584.09 551.21 87.17 87.41 87.07New Hampshire 282.72 294.59 284.03 72.27 76.59 74.79New Jersey 666.47 646.86 673.94 76.37 73.67 77.43New Mexico 359.79 364.54 352.08 72.43 75.39 77.11New York 616.23 586.63 603.82 77.71 74.55 77.63North Carolina 288.81 272.09 270.30 82.94 78.13 77.39North Dakota 206.68 198.91 199.46 68.76 67.67 70.90Ohio 295.76 278.15 265.77 75.24 73.05 73.41Oklahoma 338.60 310.78 306.02 74.33 69.66 71.51Oregon 458.23 426.73 406.21 79.00 74.63 75.04Pennsylvania 372.40 359.15 366.53 75.67 73.60 75.74Rhode Island 597.86 592.84 554.85 80.13 81.99 79.07South Carolina 472.83 431.52 401.38 90.10 85.57 81.82South Dakota 232.08 201.82 202.52 77.75 69.94 72.27Tennessee 327.26 301.27 291.34 78.90 73.62 73.38Texas n/a n/a n/a 70.84 69.62 69.23Utah 393.23 359.84 349.72 80.04 76.31 77.69Vermont 261.63 232.57 249.92 75.77 68.39 73.22Virginia 336.28 317.91 311.41 79.83 76.27 76.78Washington 485.54 469.04 445.01 81.66 80.78 79.74West Virginia 316.08 313.49 319.60 63.37 62.42 63.82Wisconsin 291.63 285.53 271.22 78.43 79.19 77.85Wyoming 235.99 233.09 213.74 71.48 71.55 68.06Countrywide 467.75 434.05 425.07 79.92 75.88 76.49CW w/o Texas 432.84 401.00 393.75 80.76 76.45 77.13*Total includes Other Liability that is not reported separately in this publication.

Table 24C





STATE 2015 2014 2013 2015 2014 2013Alabama 2,156 5,260 2,070 1 2 1Alaska 10,668 13,317 7,842 6 7 5Arizona 0 0 0 0 0 0Arkansas 6,858 3,713 3,431 4 2 2California 432,996 516,917 642,249 292 376 567Colorado 866 -134 0 0 0 0Connecticut 138,270 207,853 247,292 82 137 182Delaware 7,033 579 852 2 0 0District of Columbia 155,431 215,676 267,618 73 115 139Florida 481,382 1,790,989 3,949,793 114 744 1,768Georgia 0 0 0 0 0 0Hawaii 2,939,577 3,233,470 3,633,410 1,285 1,614 2,382Idaho 1,477 2,034 103 1 2 0Illinois 266,109 327,526 424,399 292 361 514Indiana 9,342 6,488 6,571 4 5 5Iowa 9,775 11,687 10,673 8 9 12Kansas 1,012,265 1,064,050 994,290 1,653 1,784 1,671Kentucky 473,241 428,437 291,817 288 302 199Louisiana 10,914 6,506 2,222 3 2 1Maine 4,242 8,443 10,121 4 8 10Maryland 55,154,164 52,062,682 53,393,539 43,905 40,870 41,497Massachusetts 72,016,795 88,968,910 110,013,794 54,246 69,457 91,288Michigan 9,625,413 13,157,145 11,266,320 3,915 5,457 5,349Minnesota 3,267 2,822 29,641 1 4 18Mississippi 15,635 15,272 17,095 8 10 13Missouri 2,864 1,029 8,565 2 1 12Montana 4,873 10,023 22,343 6 11 23Nebraska 2,318 289 2,419 1 0 1Nevada 1,135 52 906 1 0 2New Hampshire 99,929 124,052 131,845 86 106 108New Jersey 18,483,088 25,778,388 39,238,898 3,358 5,667 9,581New Mexico 2,223 988 1,811 1 1 1New York 71,796,868 82,506,652 101,566,048 39,973 45,006 52,983North Carolina 0 0 0 0 0 0North Dakota 5,918 4,964 5,387 3 5 2Ohio 0 0 0 0 0 0Oklahoma 10,311 12,436 17,249 8 10 16Oregon 7,483 693 166 3 1 1Pennsylvania 3,547,219 3,850,129 3,850,356 6,513 6,950 6,996Rhode Island 16,030,030 13,770,618 11,767,268 14,331 12,409 10,846South Carolina -1 3,539 506 0 1 0South Dakota 8,392 1,200 0 1 0 0Tennessee 8,688 7,443 14,542 7 6 9Texas 1,566,008 1,914,706 2,362,884 n/a n/a n/aUtah 4,854 5,225 5,259 4 4 5Vermont 53,898 48,425 63,173 39 38 53Virginia 481,131 566,627 659,123 383 448 527Washington 4,700 1,109 0 1 0 0West Virginia 12,144 11,821 21,321 10 6 12Wisconsin 13,821 4,316 661 2 0 0Wyoming 0 0 0 0 0 0Countrywide 254,925,770 290,674,366 344,955,872 170,920 191,938 226,801CW w/o Texas 253,359,762 288,759,660 342,592,988 170,920 191,938 226,801*Total includes Other Liability that is not reported separately in this publication.

Table 25A





STATE 2015 2014 2013Alabama 0 1,156 3,515Alaska 1,053 0 -1,132Arizona 0 0 0Arkansas 0 0 7,548California 268,474 311,398 528,159Colorado 0 0 0Connecticut 34,811 208,402 244,665Delaware 0 0 0District of Columbia 92,238 273,845 120,856Florida 530,836 4,435,967 7,142,857Georgia 0 0 0Hawaii 1,055,812 1,005,846 1,051,731Idaho 0 0 0Illinois 171,860 204,475 217,770Indiana 0 0 0Iowa 1,728 3,707 0Kansas 716,073 1,013,832 786,568Kentucky 665,922 1,076,116 208,274Louisiana 0 0 1,627Maine 14,505 142,234 63,244Maryland 67,154,356 52,657,824 55,689,937Massachusetts 64,195,563 73,814,166 90,710,431Michigan 11,175,659 5,726,576 12,291,361Minnesota 0 0 38,223Mississippi 0 661 0Missouri 0 0 0Montana 0 3,004 5,764Nebraska 0 0 22,124Nevada 0 0 0New Hampshire 18,942 34,965 9,559New Jersey 15,457,488 22,812,677 33,401,537New Mexico 0 0 0New York 79,876,552 82,450,259 101,812,820North Carolina 0 0 0North Dakota 1,482 2,919 0Ohio 0 0 0Oklahoma 137,443 64,517 0Oregon 5,544 0 0Pennsylvania 3,877,881 4,289,684 3,972,835Rhode Island 22,752,693 17,117,381 12,652,217South Carolina 0 0 0South Dakota 9,836 0 0Tennessee 8,100 0 2,167Texas 1,634,219 1,657,949 1,580,862Utah 1,069 0 0Vermont 18,621 76,406 5,980Virginia 263,832 202,838 957,281Washington 2,359 0 0West Virginia 0 11,255 120,590Wisconsin 0 0 0Wyoming 0 0 0Countrywide 270,144,951 269,600,059 323,649,370CW w/o Texas 268,510,732 267,942,110 322,068,508*Total includes Other Liability that is not reported separately in this publication.

Incurred Losses

Table 25B

Total Liability 2013-2015*Residual Business



STATE 2015 2014 2013 2015 2014 2013Alabama 0.00 578.00 3,515.00 0.00 21.98 169.81Alaska 175.50 0.00 -226.40 9.87 0.00 -14.44Arizona - - - - - -Arkansas 0.00 0.00 3,774.00 0.00 0.00 219.99California 919.43 828.19 931.50 62.00 60.24 82.24Colorado - - - 0.00 0.00 -Connecticut 424.52 1,521.18 1,344.31 25.18 100.26 98.94Delaware 0.00 - - 0.00 0.00 0.00District of Columbia 1,263.53 2,381.26 869.47 59.34 126.97 45.16Florida 4,656.46 5,962.32 4,040.08 110.27 247.68 180.84Georgia - - - - - -Hawaii 821.64 623.20 441.53 35.92 31.11 28.95Idaho 0.00 0.00 - 0.00 0.00 0.00Illinois 588.56 566.41 423.68 64.58 62.43 51.31Indiana 0.00 0.00 0.00 0.00 0.00 0.00Iowa 216.00 411.89 0.00 17.68 31.72 0.00Kansas 433.20 568.29 470.72 70.74 95.28 79.11Kentucky 2,312.23 3,563.30 1,046.60 140.72 251.17 71.37Louisiana 0.00 0.00 1,627.00 0.00 0.00 73.22Maine 3,626.25 17,779.25 6,324.40 341.94 1,684.64 624.88Maryland 1,529.54 1,288.42 1,342.02 121.76 101.14 104.30Massachusetts 1,183.42 1,062.73 993.67 89.14 82.97 82.45Michigan 2,854.57 1,049.40 2,297.88 116.11 43.52 109.10Minnesota 0.00 0.00 2,123.50 0.00 0.00 128.95Mississippi 0.00 66.10 0.00 0.00 4.33 0.00Missouri 0.00 0.00 0.00 0.00 0.00 0.00Montana 0.00 273.09 250.61 0.00 29.97 25.80Nebraska 0.00 - 22,124.00 0.00 0.00 914.59Nevada 0.00 - 0.00 0.00 0.00 0.00New Hampshire 220.26 329.86 88.51 18.96 28.19 7.25New Jersey 4,603.18 4,025.53 3,486.23 83.63 88.50 85.12New Mexico 0.00 0.00 0.00 0.00 0.00 0.00New York 1,998.26 1,831.98 1,921.61 111.25 99.93 100.24North Carolina - - - - - -North Dakota 494.00 583.80 0.00 25.04 58.80 0.00Ohio - - - - - -Oklahoma 17,180.38 6,451.70 0.00 1,332.97 518.79 0.00Oregon 1,848.00 0.00 0.00 74.09 0.00 0.00Pennsylvania 595.41 617.22 567.87 109.32 111.42 103.18Rhode Island 1,587.66 1,379.43 1,166.53 141.94 124.30 107.52South Carolina - 0.00 - 0.00 0.00 0.00South Dakota 9,836.00 - - 117.21 0.00 -Tennessee 1,157.14 0.00 240.78 93.23 0.00 14.90Texas n/a n/a n/a 104.36 86.59 66.90Utah 267.25 0.00 0.00 22.02 0.00 0.00Vermont 477.46 2,010.68 112.83 34.55 157.78 9.47Virginia 688.86 452.76 1,816.47 54.84 35.80 145.24Washington 2,359.00 - - 50.19 0.00 -West Virginia 0.00 1,875.83 10,049.17 0.00 95.21 565.59Wisconsin 0.00 - - 0.00 0.00 0.00Wyoming - - - - - -Countrywide 1,580.53 1,404.62 1,427.02 105.97 92.75 93.82CW w/o Texas 1,570.97 1,395.98 1,420.05 105.98 92.79 94.01*Total includes Other Liability that is not reported separately in this publication.

Table 25C





STATE 2015 2014 2013 2015 2014 2013Alabama 1,389,886,821 1,319,862,595 1,244,100,677 3,531,251 3,471,018 3,397,210Alaska 263,876,228 262,069,855 260,496,969 467,944 458,791 454,116Arizona 2,169,990,846 2,055,477,655 1,942,675,426 4,194,847 4,065,920 3,989,823Arkansas 805,674,317 778,501,220 753,207,708 2,054,947 2,011,674 1,997,638California 12,610,403,162 12,021,561,467 11,234,212,029 25,990,421 25,199,980 24,712,271Colorado 1,982,130,089 1,824,259,757 1,702,475,023 3,850,730 3,743,920 3,710,171Connecticut 1,575,087,307 1,527,378,502 1,494,812,482 2,373,388 2,343,612 2,322,388Delaware 510,075,229 495,829,903 474,831,231 643,325 628,761 615,447District of Columbia 151,898,708 147,319,488 144,007,892 246,690 239,934 235,782Florida 10,563,035,953 10,021,166,558 9,980,914,517 12,725,426 12,177,288 11,830,174Georgia 3,887,233,618 3,494,293,635 3,237,723,818 6,561,605 6,483,020 6,384,438Hawaii 387,945,306 378,919,658 370,736,054 849,888 826,793 808,798Idaho 372,719,849 353,971,409 336,065,255 1,063,145 1,036,904 1,028,768Illinois 3,055,678,783 2,953,257,554 2,889,779,258 6,851,673 6,828,458 6,838,782Indiana 1,715,464,034 1,636,025,028 1,570,632,948 4,565,129 4,507,007 4,349,404Iowa 712,915,244 686,944,658 669,672,619 2,413,975 2,384,464 2,369,026Kansas 769,442,200 741,960,980 715,259,367 2,175,931 2,153,328 2,162,505Kentucky 1,625,300,281 1,581,373,046 1,549,235,520 3,112,240 3,064,843 3,026,925Louisiana 2,163,636,577 2,039,568,043 1,929,744,712 2,809,809 2,748,241 2,700,889Maine 318,332,198 305,050,444 296,274,953 943,705 925,904 908,473Maryland 2,467,488,824 2,398,907,567 2,325,445,892 4,069,825 4,018,600 3,967,130Massachusetts 2,564,083,866 2,505,624,146 2,430,833,144 4,246,127 4,194,971 4,130,221Michigan 4,379,441,237 4,237,450,174 3,894,482,573 5,577,076 5,524,918 5,505,219Minnesota 1,743,847,285 1,684,159,082 1,630,016,641 3,841,726 3,780,179 3,761,140Mississippi 854,000,393 816,981,216 778,021,681 1,864,722 1,848,437 1,826,043Missouri 1,682,273,478 1,611,652,032 1,575,149,505 4,063,937 4,007,702 4,013,074Montana 284,281,274 274,587,156 267,192,721 730,729 716,167 709,793Nebraska 536,215,862 511,788,240 497,083,223 1,490,889 1,471,351 1,460,990Nevada 1,203,088,199 1,137,665,902 1,060,075,189 1,746,930 1,702,604 1,674,551New Hampshire 354,585,468 340,566,677 327,690,928 906,267 885,185 862,661New Jersey 4,701,033,129 4,673,602,994 4,578,773,412 5,368,861 5,298,904 5,225,436New Mexico 684,346,483 659,690,670 628,563,295 1,377,696 1,364,266 1,376,642New York 7,407,878,841 7,278,453,418 7,165,610,198 9,291,315 9,190,092 9,134,755North Carolina 2,382,851,678 2,355,361,375 2,419,500,393 6,842,944 6,762,931 6,927,049North Dakota 166,597,908 159,547,051 149,986,945 554,228 542,768 533,113Ohio 3,114,203,761 2,990,840,047 2,823,756,761 7,922,377 7,854,918 7,799,676Oklahoma 1,205,127,260 1,162,504,404 1,112,121,211 2,645,447 2,605,734 2,598,855Oregon 1,550,813,428 1,492,885,659 1,407,691,085 2,673,587 2,610,846 2,600,606Pennsylvania 4,128,036,549 4,059,149,876 3,997,628,815 8,386,839 8,317,839 8,259,558Rhode Island 499,780,610 474,769,464 457,619,996 662,694 649,963 646,222South Carolina 1,863,124,344 1,742,228,618 1,661,643,333 3,550,285 3,454,899 3,387,298South Dakota 195,296,609 184,357,544 176,438,616 654,240 638,892 629,672Tennessee 1,857,523,607 1,782,024,446 1,702,983,432 4,478,203 4,354,500 4,289,549Texas 9,283,941,609 8,773,119,359 8,266,980,683 n/a n/a n/aUtah 859,483,416 804,954,483 760,398,243 1,749,505 1,707,081 1,689,128Vermont 151,425,791 149,056,347 146,391,432 438,403 438,239 428,760Virginia 2,570,003,195 2,511,058,758 2,431,828,576 6,099,997 6,023,196 5,994,947Washington 2,537,678,759 2,413,946,675 2,299,046,335 4,268,119 4,157,168 4,119,808West Virginia 636,804,790 639,215,006 635,762,579 1,276,663 1,272,748 1,269,498Wisconsin 1,439,602,621 1,378,801,132 1,335,221,646 3,871,763 3,824,193 3,832,757Wyoming 141,314,578 138,593,347 133,197,576 428,038 425,399 424,130Countrywide 110,476,901,602 105,968,334,320 101,873,994,517 188,505,501 184,944,550 182,921,309CW w/o Texas 101,192,959,993 97,195,214,961 93,607,013,834 188,505,501 184,944,550 182,921,309*Total includes Other Liability that is not reported separately in this publication.

Table 26A





STATE 2015 2014 2013Alabama 1,190,009,900 1,072,490,646 999,811,422Alaska 175,773,493 173,198,914 176,030,166Arizona 1,812,368,229 1,645,830,408 1,563,120,537Arkansas 661,999,874 592,354,015 565,189,087California 8,926,050,763 7,885,616,225 7,721,835,859Colorado 1,738,882,680 1,643,069,761 1,493,891,793Connecticut 1,213,340,942 1,161,844,396 1,202,620,467Delaware 405,605,789 382,167,745 381,667,098District of Columbia 139,390,876 123,059,643 113,828,149Florida 9,197,246,750 8,216,744,605 7,438,664,439Georgia 3,627,353,220 3,157,725,366 2,972,982,558Hawaii 252,754,133 244,133,354 227,383,484Idaho 280,897,611 261,062,842 242,837,327Illinois 2,545,087,404 2,337,669,154 2,253,166,586Indiana 1,387,745,635 1,265,878,801 1,187,422,609Iowa 572,922,171 525,649,998 469,093,917Kansas 602,154,520 564,250,229 512,586,278Kentucky 1,308,491,203 1,218,730,068 1,178,528,835Louisiana 2,042,057,302 1,805,625,495 1,669,287,365Maine 228,574,641 224,906,153 221,391,212Maryland 2,129,169,889 1,952,559,112 1,897,033,645Massachusetts 1,745,510,748 1,641,987,087 1,586,563,115Michigan 4,492,195,557 3,411,711,864 3,928,681,435Minnesota 1,247,904,782 1,204,506,275 1,185,193,689Mississippi 694,073,234 638,642,470 597,469,354Missouri 1,402,019,142 1,209,133,429 1,152,061,142Montana 212,572,691 191,843,940 183,742,545Nebraska 435,729,559 411,162,087 380,626,028Nevada 1,048,758,553 994,467,819 923,033,064New Hampshire 256,216,994 260,768,580 245,000,987New Jersey 3,591,398,221 3,446,812,052 3,548,570,267New Mexico 495,675,167 497,328,689 484,689,994New York 5,780,868,102 5,447,220,731 5,585,607,464North Carolina 1,976,318,644 1,840,126,585 1,872,350,036North Dakota 114,546,372 107,962,558 106,332,460Ohio 2,343,156,085 2,184,871,090 2,072,936,029Oklahoma 895,895,515 809,870,529 795,291,263Oregon 1,225,118,604 1,114,132,888 1,056,388,123Pennsylvania 3,124,747,955 2,989,118,638 3,028,782,953Rhode Island 410,381,531 395,084,082 365,187,951South Carolina 1,678,672,720 1,490,848,907 1,359,601,056South Dakota 151,846,585 128,940,474 127,520,429Tennessee 1,465,524,384 1,311,859,372 1,249,706,435Texas 6,577,068,397 6,108,304,404 5,723,480,234Utah 687,961,408 614,280,147 590,727,124Vermont 114,707,279 101,986,632 107,148,627Virginia 2,051,443,822 1,914,904,395 1,867,657,243Washington 2,072,360,892 1,949,882,677 1,833,338,575West Virginia 403,529,736 398,998,132 405,850,252Wisconsin 1,129,113,852 1,091,903,002 1,039,501,213Wyoming 101,013,636 99,156,904 90,652,672Countrywide 88,364,207,192 80,462,383,369 77,982,064,592CW w/o Texas 81,787,138,795 74,354,078,965 72,258,584,358*Total includes Other Liability that is not reported separately in this publication.

Incurred Losses

Table 26B

Total BusinessTotal Liability 2013-2015*



STATE 2015 2014 2013 2015 2014 2013Alabama 336.99 308.98 294.30 85.62 81.26 80.36Alaska 375.63 377.51 387.63 66.61 66.09 67.57Arizona 432.05 404.79 391.78 83.52 80.07 80.46Arkansas 322.15 294.46 282.93 82.17 76.09 75.04California 343.44 312.92 312.47 70.78 65.60 68.74Colorado 451.57 438.86 402.65 87.73 90.07 87.75Connecticut 511.23 495.75 517.84 77.03 76.07 80.45Delaware 630.48 607.81 620.15 79.52 77.08 80.38District of Columbia 565.04 512.89 482.77 91.77 83.53 79.04Florida 722.75 674.76 628.79 87.07 81.99 74.53Georgia 552.81 487.08 465.66 93.31 90.37 91.82Hawaii 297.40 295.28 281.14 65.15 64.43 61.33Idaho 264.21 251.77 236.05 75.36 73.75 72.26Illinois 371.45 342.34 329.47 83.29 79.16 77.97Indiana 303.99 280.87 273.01 80.90 77.38 75.60Iowa 237.34 220.45 198.01 80.36 76.52 70.05Kansas 276.73 262.04 237.03 78.26 76.05 71.66Kentucky 420.43 397.65 389.35 80.51 77.07 76.07Louisiana 726.76 657.01 618.05 94.38 88.53 86.50Maine 242.21 242.90 243.70 71.80 73.73 74.72Maryland 523.16 485.88 478.19 86.29 81.39 81.58Massachusetts 411.08 391.42 384.14 68.08 65.53 65.27Michigan 805.48 617.51 713.63 102.57 80.51 100.88Minnesota 324.83 318.64 315.12 71.56 71.52 72.71Mississippi 372.21 345.50 327.19 81.27 78.17 76.79Missouri 344.99 301.70 287.08 83.34 75.02 73.14Montana 290.90 267.88 258.87 74.78 69.87 68.77Nebraska 292.26 279.45 260.53 81.26 80.34 76.57Nevada 600.34 584.09 551.21 87.17 87.41 87.07New Hampshire 282.72 294.59 284.01 72.26 76.57 74.77New Jersey 668.93 650.48 679.10 76.40 73.75 77.50New Mexico 359.79 364.54 352.08 72.43 75.39 77.11New York 622.18 592.73 611.47 78.04 74.84 77.95North Carolina 288.81 272.09 270.30 82.94 78.13 77.39North Dakota 206.68 198.91 199.46 68.76 67.67 70.89Ohio 295.76 278.15 265.77 75.24 73.05 73.41Oklahoma 338.66 310.80 306.02 74.34 69.67 71.51Oregon 458.23 426.73 406.21 79.00 74.63 75.04Pennsylvania 372.58 359.36 366.70 75.70 73.64 75.76Rhode Island 619.26 607.86 565.11 82.11 83.22 79.80South Carolina 472.83 431.52 401.38 90.10 85.57 81.82South Dakota 232.10 201.82 202.52 77.75 69.94 72.27Tennessee 327.26 301.27 291.34 78.90 73.62 73.38Texas n/a n/a n/a 70.84 69.63 69.23Utah 393.23 359.84 349.72 80.04 76.31 77.69Vermont 261.65 232.72 249.90 75.75 68.42 73.19Virginia 336.30 317.92 311.54 79.82 76.26 76.80Washington 485.54 469.04 445.01 81.66 80.78 79.74West Virginia 316.08 313.49 319.69 63.37 62.42 63.84Wisconsin 291.63 285.53 271.22 78.43 79.19 77.85Wyoming 235.99 233.09 213.74 71.48 71.55 68.06Countrywide 468.76 435.06 426.31 79.98 75.93 76.55CW w/o Texas 433.87 402.03 395.03 80.82 76.50 77.19*Total includes Other Liability that is not reported separately in this publication.

Table 26C




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 comprehensive 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.



STATE 2015 2014 2013 2015 2014 2013Alabama 774,672,522 722,491,404 685,874,394 2,477,330 2,419,349 2,366,609Alaska 113,054,587 109,623,549 108,630,229 313,883 304,238 297,204Arizona 854,216,433 795,932,825 740,812,656 3,118,349 3,014,728 2,941,259Arkansas 435,373,178 412,975,715 396,512,821 1,371,611 1,335,027 1,318,237California 7,018,443,799 6,405,255,615 6,081,764,182 18,053,584 17,393,273 16,964,675Colorado 796,951,791 724,724,191 685,021,505 2,821,956 2,737,530 2,684,410Connecticut 681,661,657 652,295,887 617,453,480 1,853,028 1,820,651 1,791,685Delaware 157,304,147 147,159,839 138,766,562 501,697 487,813 475,293District of Columbia 92,687,626 87,552,025 83,561,020 198,602 191,750 187,094Florida 2,622,821,645 2,294,415,379 2,082,600,945 9,702,166 9,217,438 8,895,734Georgia 1,599,950,324 1,490,156,276 1,434,003,384 4,849,478 4,670,906 4,563,543Hawaii 189,510,808 176,789,520 167,638,380 616,124 595,825 578,763Idaho 160,538,395 147,441,685 142,119,386 744,163 715,561 698,658Illinois 1,712,787,987 1,604,059,923 1,517,600,797 5,606,702 5,542,849 5,493,065Indiana 856,083,473 797,561,919 755,051,217 3,455,227 3,393,132 3,243,926Iowa 388,602,211 364,435,326 350,131,351 1,779,009 1,745,060 1,717,065Kansas 384,838,844 366,140,619 355,376,522 1,475,611 1,451,871 1,444,664Kentucky 541,425,130 513,962,107 491,693,831 2,034,257 1,984,662 1,946,108Louisiana 844,574,089 790,141,508 739,713,404 2,052,283 2,002,851 1,957,698Maine 175,470,263 165,510,803 155,770,219 670,476 650,351 629,966Maryland 1,115,940,255 1,060,568,474 1,011,716,048 3,236,500 3,184,738 3,127,594Massachusetts 1,356,567,990 1,278,281,912 1,193,725,423 3,573,458 3,493,821 3,420,429Michigan 1,731,146,037 1,606,996,684 1,540,999,259 4,240,814 4,137,816 4,082,181Minnesota 682,874,305 628,057,614 595,599,496 2,944,133 2,875,939 2,838,811Mississippi 408,683,238 387,018,128 368,204,465 1,289,634 1,267,234 1,242,487Missouri 800,756,787 754,474,794 737,244,874 2,951,131 2,894,783 2,874,585Montana 124,090,370 116,025,008 109,058,491 467,881 453,975 444,970Nebraska 239,535,032 226,060,897 216,381,579 1,015,964 996,088 980,495Nevada 389,055,282 362,104,263 349,118,190 1,298,869 1,250,496 1,212,277New Hampshire 239,525,453 221,991,883 205,452,902 810,320 782,353 751,950New Jersey 1,565,526,147 1,488,479,428 1,436,906,859 4,118,374 4,042,026 3,956,016New Mexico 235,525,300 225,755,958 222,861,962 869,289 856,136 853,956New York 2,656,764,447 2,480,083,600 2,366,779,322 6,964,983 6,813,342 6,688,441North Carolina 1,284,088,337 1,191,985,640 1,153,623,294 4,674,365 4,546,200 4,568,966North Dakota 97,181,808 90,770,964 83,608,192 384,322 371,283 358,518Ohio 1,650,783,340 1,558,930,718 1,486,383,335 6,165,684 6,061,625 5,961,369Oklahoma 549,805,353 515,291,118 493,508,745 1,748,654 1,717,903 1,697,618Oregon 446,181,469 410,934,132 391,649,074 1,998,917 1,938,507 1,907,143Pennsylvania 2,147,083,668 2,030,808,034 1,932,963,672 6,635,420 6,543,865 6,442,347Rhode Island 189,408,026 175,015,599 164,418,437 468,617 453,914 445,525South Carolina 677,682,056 619,717,116 584,711,281 2,580,440 2,489,211 2,412,489South Dakota 90,839,417 85,655,742 81,643,054 435,306 422,257 412,917Tennessee 972,305,996 915,579,789 871,533,839 3,167,496 3,070,035 3,007,168Texas 4,546,741,689 4,172,564,421 3,809,164,419 n/a n/a n/aUtah 350,380,064 326,522,079 312,950,494 1,332,224 1,284,618 1,250,210Vermont 103,547,233 97,693,453 92,078,521 346,795 340,622 329,268Virginia 1,304,847,718 1,235,636,272 1,179,744,697 4,668,023 4,582,473 4,526,838Washington 863,977,578 807,983,202 764,231,748 3,352,925 3,248,621 3,178,843West Virginia 286,638,596 277,395,750 268,235,099 871,078 854,465 842,794Wisconsin 688,190,889 645,037,976 612,046,337 3,073,053 2,996,975 2,964,680Wyoming 78,278,417 74,379,240 71,823,365 282,962 278,485 275,202Countrywide 48,274,921,206 44,836,426,003 42,438,462,758 139,663,167 135,924,671 133,251,743CW w/o Texas 43,728,179,517 40,663,861,582 38,629,298,339 139,663,167 135,924,671 133,251,743

Table 27A

Collision 2013-2015




STATE 2015 2014 2013 2015 2014 2013Alabama 615,641,771 556,088,880 517,578,909 144,568 141,156 133,178Alaska 75,806,428 67,136,787 70,680,886 16,363 15,827 16,868Arizona 685,404,245 588,992,644 572,977,627 167,728 157,480 150,737Arkansas 352,302,595 313,214,607 292,645,979 76,630 75,096 72,325California 4,821,019,579 4,044,919,816 3,827,509,443 1,281,430 1,149,922 1,103,745Colorado 659,700,716 603,331,454 556,271,437 163,283 157,175 147,157Connecticut 493,876,210 458,298,675 445,073,435 113,563 108,259 105,246Delaware 122,791,642 109,048,374 104,461,230 31,987 30,706 29,357District of Columbia 69,241,637 57,759,305 52,580,962 21,362 18,906 17,055Florida 2,315,913,591 1,954,374,348 1,745,545,407 564,611 501,935 460,729Georgia 1,252,811,808 1,064,842,380 977,979,919 294,035 271,357 252,282Hawaii 134,232,805 124,143,497 116,238,899 34,587 32,843 31,567Idaho 120,401,372 108,880,450 100,895,164 31,722 30,799 28,948Illinois 1,298,212,348 1,208,466,020 1,115,495,090 348,229 351,528 321,595Indiana 683,787,276 627,871,604 573,406,488 177,061 176,567 155,442Iowa 285,608,676 278,035,582 257,831,151 76,296 78,284 75,902Kansas 292,307,107 270,617,248 260,977,413 67,967 70,239 69,723Kentucky 420,814,984 381,682,609 354,515,986 105,159 111,639 95,104Louisiana 704,744,185 622,743,170 589,091,839 154,187 144,528 140,723Maine 119,332,736 112,622,394 108,105,224 35,532 34,747 31,919Maryland 891,472,851 811,813,531 752,639,324 239,826 228,391 212,897Massachusetts 865,659,244 772,237,307 707,847,759 277,053 246,658 234,594Michigan 1,353,627,805 1,334,624,795 1,209,737,297 327,657 360,528 329,342Minnesota 501,730,654 503,765,951 467,968,049 140,322 154,748 142,447Mississippi 323,493,929 297,652,965 270,981,463 78,560 71,673 70,431Missouri 651,980,337 588,711,428 548,835,540 160,348 154,823 148,159Montana 87,917,002 83,134,464 73,662,758 20,091 20,883 19,046Nebraska 183,301,107 171,412,397 159,613,007 45,103 44,765 44,882Nevada 319,928,832 274,683,272 248,370,610 73,541 68,723 63,558New Hampshire 166,286,811 151,932,958 143,421,576 49,515 47,356 43,890New Jersey 1,140,809,938 1,040,607,127 987,005,566 262,846 253,088 244,128New Mexico 181,840,962 166,684,321 160,146,126 44,374 44,221 42,911New York 2,216,010,587 2,019,250,011 1,883,754,848 477,835 450,668 419,374North Carolina 868,971,526 798,596,968 758,256,232 235,428 225,890 221,985North Dakota 70,022,871 65,537,060 62,840,055 18,786 19,130 19,090Ohio 1,223,086,806 1,149,283,607 1,051,931,699 339,382 336,401 313,525Oklahoma 418,906,569 389,180,589 366,926,033 90,898 92,317 87,892Oregon 354,319,744 317,431,933 294,810,217 95,687 94,834 88,139Pennsylvania 1,698,536,868 1,554,905,810 1,476,910,902 448,267 433,046 411,725Rhode Island 150,785,399 138,270,461 122,882,915 34,577 32,011 28,736South Carolina 534,997,710 473,856,161 432,324,734 139,493 133,007 123,218South Dakota 68,258,244 62,856,083 58,914,697 17,377 17,133 17,039Tennessee 760,572,086 651,724,390 614,500,210 164,261 150,894 142,772Texas 3,241,924,553 2,824,170,015 2,556,167,153 n/a n/a n/aUtah 266,071,397 232,004,809 235,088,227 67,558 62,259 62,899Vermont 67,388,317 68,266,309 65,131,083 18,118 18,458 17,188Virginia 969,157,101 881,867,713 851,312,961 286,410 271,718 263,223Washington 668,963,625 600,054,098 546,759,761 168,655 164,905 153,236West Virginia 195,307,641 188,468,933 179,216,803 42,334 42,265 40,639Wisconsin 505,518,847 490,646,709 468,209,735 143,877 148,473 140,853Wyoming 55,725,799 57,239,214 52,344,256 12,980 14,067 13,231Countrywide 36,526,526,873 32,713,941,233 30,448,374,084 8,427,459 8,062,326 7,600,651CW w/o Texas 33,284,602,320 29,889,771,218 27,892,206,931 8,427,459 8,062,326 7,600,651

Table 27B

Collision 2013-2015





Table 27C

Collision 2013-2015





Table 27D

Collision 2013-2015




STATE 2015 2014 2013 2015 2014 2013Alabama 0 0 0 0 0 0Alaska 1,505 398 334 5 1 1Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California 0 0 0 0 0 0Colorado 0 0 0 0 0 0Connecticut 11,916 24,162 20,984 14 19 16Delaware 424 235 0 0 0 0District of Columbia 19,903 40,476 50,844 13 21 29Florida 78,932 150,588 249,804 52 144 232Georgia 0 0 0 0 0 0Hawaii 36,584 29,956 34,486 36 35 49Idaho 610 95 -97 0 0 0Illinois 63,416 65,379 95,473 61 67 103Indiana -37 542 1,001 0 1 1Iowa 615 -118 541 1 0 2Kansas 217,960 208,604 205,894 294 278 253Kentucky 0 0 0 0 0 0Louisiana 0 0 0 0 0 0Maine 2,458 5,077 2,360 1 3 3Maryland 11,255,016 10,003,731 9,896,334 9,763 9,910 10,281Massachusetts 22,132,439 25,967,851 31,122,477 26,766 33,122 42,681Michigan 1,270,942 1,512,467 1,070,995 1,218 1,488 1,079Minnesota 0 -3 1,984 0 1 3Mississippi 3,350 885 -54 2 2 0Missouri 638 1,357 2,560 0 2 2Montana 0 3 720 0 0 1Nebraska 0 0 0 0 0 0Nevada 753 0 0 0 0 0New Hampshire 51,071 58,758 64,007 51 64 69New Jersey 2,476,775 3,389,595 5,005,948 2,127 3,162 4,960New Mexico 64 1,513 1,102 0 1 1New York 3,437,381 3,847,495 4,228,225 2,161 2,539 2,935North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 2,485 222 -143 1 0 1Oregon 543 0 0 1 0 0Pennsylvania 33,075 44,584 59,786 34 42 59Rhode Island 62,385 39,819 43,610 27 23 25South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 178 3,330 226 0 2 1Texas 0 0 0 n/a n/a n/aUtah 982 3,086 994 0 3 0Vermont 6,345 9,392 9,286 6 8 11Virginia 144,994 179,862 228,462 78 91 119Washington 2,446 1,467 0 1 0 0West Virginia 4,075 4,169 2,300 1 1 1Wisconsin 304 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 41,320,527 45,594,977 52,400,443 42,714 51,030 62,918CW w/o Texas 41,320,527 45,594,977 52,400,443 42,714 51,030 62,918

Table 28A

Collision 2013-2015




STATE 2015 2014 2013 2015 2014 2013Alabama 0 0 0 0 0 0Alaska 0 0 5,728 0 0 1Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California 0 0 0 0 0 0Colorado 0 0 0 0 0 0Connecticut 1,275 6,831 49,360 1 5 4Delaware 353 0 1,994 0 0 1District of Columbia 22,574 40,433 16,111 6 6 7Florida 69,874 184,154 397,560 8 22 50Georgia 0 0 0 0 0 0Hawaii 6,012 21,498 51,699 2 4 6Idaho 0 0 0 0 0 0Illinois 61,785 105,504 52,165 7 12 11Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 101,736 102,244 117,813 19 24 19Kentucky 0 0 0 0 0 0Louisiana 0 0 0 0 0 0Maine 41,751 19,305 0 3 3 0Maryland 10,107,553 8,016,695 8,836,080 2,027 1,796 1,809Massachusetts 19,075,126 20,754,506 24,535,091 5,157 5,673 7,328Michigan 827,651 1,023,132 880,270 135 200 143Minnesota 0 0 1,127 0 0 1Mississippi 0 0 0 0 0 0Missouri 0 429 661 0 1 0Montana 0 0 0 0 0 0Nebraska 0 0 0 0 0 0Nevada 0 0 0 0 0 0New Hampshire 30,705 27,509 17,094 10 7 5New Jersey 2,023,313 2,429,560 3,761,333 337 481 709New Mexico 0 0 0 0 0 0New York 2,077,280 1,837,172 2,383,913 371 376 429North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 14,341 15,562 1,082 1 1 1Oregon 0 0 0 0 0 0Pennsylvania 11,813 943 27,650 4 5 8Rhode Island 36,420 11,449 19,112 10 3 9South 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 6,558 0 0 2 0Virginia 44,126 65,013 113,464 11 17 15Washington 0 4,531 0 0 1 0West Virginia 0 0 1,988 0 0 1Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 34,553,688 34,673,028 41,271,295 8,109 8,639 10,557CW w/o Texas 34,553,688 34,673,028 41,271,295 8,109 8,639 10,557

Table 28B

Collision 2013-2015




STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska 0.00 0.00 5,728.00 0.00 0.00 1,714.97Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut 91.07 359.53 3,085.00 10.70 28.27 235.23Delaware - - - 83.25 0.00 -District of Columbia 1,736.46 1,925.38 555.55 113.42 99.89 31.69Florida 1,343.73 1,278.85 1,713.62 88.52 122.29 159.15Georgia - - - - - -Hawaii 167.00 614.23 1,055.08 16.43 71.77 149.91Idaho - - - 0.00 0.00 0.00Illinois 1,012.87 1,574.69 506.46 97.43 161.37 54.64Indiana - 0.00 0.00 0.00 0.00 0.00Iowa 0.00 - 0.00 0.00 0.00 0.00Kansas 346.04 367.78 465.66 46.68 49.01 57.22Kentucky - - - - - -Louisiana - - - - - -Maine 41,751.00 6,435.00 0.00 1,698.58 380.24 0.00Maryland 1,035.29 808.95 859.46 89.80 80.14 89.29Massachusetts 712.66 626.61 574.85 86.19 79.92 78.83Michigan 679.52 687.59 815.82 65.12 67.65 82.19Minnesota - 0.00 375.67 - 0.00 56.80Mississippi 0.00 0.00 - 0.00 0.00 0.00Missouri - 214.50 330.50 0.00 31.61 25.82Montana - - 0.00 - 0.00 0.00Nebraska - - - - - -Nevada - - - 0.00 - -New Hampshire 602.06 429.83 247.74 60.12 46.82 26.71New Jersey 951.25 768.36 758.33 81.69 71.68 75.14New Mexico - 0.00 0.00 0.00 0.00 0.00New York 961.26 723.58 812.24 60.43 47.75 56.38North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma 14,341.00 - 1,082.00 577.10 7,009.91 -756.64Oregon 0.00 - - 0.00 - -Pennsylvania 347.44 22.45 468.64 35.72 2.12 46.25Rhode Island 1,348.89 497.78 764.48 58.38 28.75 43.82South Carolina - - - - - -South Dakota - - - - - -Tennessee - 0.00 0.00 0.00 0.00 0.00Texas n/a n/a n/a - - -Utah - 0.00 - 0.00 0.00 0.00Vermont 0.00 819.75 0.00 0.00 69.83 0.00Virginia 565.72 714.43 953.48 30.43 36.15 49.66Washington 0.00 - - 0.00 308.86 -West Virginia 0.00 0.00 1,988.00 0.00 0.00 86.43Wisconsin - - - 0.00 - -Wyoming - - - - - -Countrywide 808.95 679.46 655.95 83.62 76.05 78.76CW w/o Texas 808.95 679.46 655.95 83.62 76.05 78.76

Table 28C

Collision 2013-2015




STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska 0.00 0.00 100.00 - - 5,728.00Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut 7.14 26.32 25.00 1,275.00 1,366.20 12,340.00Delaware - - - - - 1,994.00District of Columbia 46.15 28.57 24.14 3,762.33 6,738.83 2,301.57Florida 15.38 15.28 21.55 8,734.25 8,370.64 7,951.20Georgia - - - - - -Hawaii 5.56 11.43 12.24 3,006.00 5,374.50 8,616.50Idaho - - - - - -Illinois 11.48 17.91 10.68 8,826.43 8,792.00 4,742.27Indiana - 0.00 0.00 - - -Iowa 0.00 - 0.00 - - -Kansas 6.46 8.63 7.51 5,354.53 4,260.17 6,200.68Kentucky - - - - - -Louisiana - - - - - -Maine 300.00 100.00 0.00 13,917.00 6,435.00 -Maryland 20.76 18.12 17.60 4,986.46 4,463.64 4,884.51Massachusetts 19.27 17.13 17.17 3,698.88 3,658.47 3,348.13Michigan 11.08 13.44 13.25 6,130.75 5,115.66 6,155.73Minnesota - 0.00 33.33 - - 1,127.00Mississippi 0.00 0.00 - - - -Missouri - 50.00 0.00 - 429.00 -Montana - - 0.00 - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire 19.61 10.94 7.25 3,070.50 3,929.86 3,418.80New Jersey 15.84 15.21 14.29 6,003.90 5,051.06 5,305.12New Mexico - 0.00 0.00 - - -New York 17.17 14.81 14.62 5,599.14 4,886.10 5,556.91North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma 100.00 - 100.00 14,341.00 15,562.00 1,082.00Oregon 0.00 - - - - -Pennsylvania 11.76 11.90 13.56 2,953.25 188.60 3,456.25Rhode Island 37.04 13.04 36.00 3,642.00 3,816.33 2,123.56South Carolina - - - - - -South Dakota - - - - - -Tennessee - 0.00 0.00 - - -Texas n/a n/a n/a n/a n/a n/aUtah - 0.00 - - - -Vermont 0.00 25.00 0.00 - 3,279.00 -Virginia 14.10 18.68 12.61 4,011.45 3,824.29 7,564.27Washington 0.00 - - - 4,531.00 -West Virginia 0.00 0.00 100.00 - - 1,988.00Wisconsin - - - - - -Wyoming - - - - - -Countrywide 18.98 16.93 16.78 4,261.15 4,013.55 3,909.38CW w/o Texas 18.98 16.93 16.78 4,261.15 4,013.55 3,909.38

Table 28D

Collision 2013-2015




STATE 2015 2014 2013 2015 2014 2013Alabama 774,672,522 722,491,404 685,874,394 2,477,330 2,419,349 2,366,609Alaska 113,056,092 109,623,947 108,630,563 313,888 304,239 297,205Arizona 854,216,433 795,932,825 740,812,656 3,118,349 3,014,728 2,941,259Arkansas 435,373,178 412,975,715 396,512,821 1,371,611 1,335,027 1,318,237California 7,018,443,799 6,405,255,615 6,081,764,182 18,053,584 17,393,273 16,964,675Colorado 796,951,791 724,724,191 685,021,505 2,821,956 2,737,530 2,684,410Connecticut 681,673,573 652,320,049 617,474,464 1,853,042 1,820,670 1,791,701Delaware 157,304,571 147,160,074 138,766,562 501,697 487,813 475,293District of Columbia 92,707,529 87,592,501 83,611,864 198,615 191,771 187,123Florida 2,622,900,577 2,294,565,967 2,082,850,749 9,702,218 9,217,582 8,895,966Georgia 1,599,950,324 1,490,156,276 1,434,003,384 4,849,478 4,670,906 4,563,543Hawaii 189,547,392 176,819,476 167,672,866 616,160 595,860 578,812Idaho 160,539,005 147,441,780 142,119,289 744,163 715,561 698,658Illinois 1,712,851,403 1,604,125,302 1,517,696,270 5,606,763 5,542,916 5,493,168Indiana 856,083,436 797,562,461 755,052,218 3,455,227 3,393,133 3,243,927Iowa 388,602,826 364,435,208 350,131,892 1,779,010 1,745,060 1,717,067Kansas 385,056,804 366,349,223 355,582,416 1,475,905 1,452,149 1,444,917Kentucky 541,425,130 513,962,107 491,693,831 2,034,257 1,984,662 1,946,108Louisiana 844,574,089 790,141,508 739,713,404 2,052,283 2,002,851 1,957,698Maine 175,472,721 165,515,880 155,772,579 670,477 650,354 629,969Maryland 1,127,195,271 1,070,572,205 1,021,612,382 3,246,263 3,194,648 3,137,875Massachusetts 1,378,700,429 1,304,249,763 1,224,847,900 3,600,224 3,526,943 3,463,110Michigan 1,732,416,979 1,608,509,151 1,542,070,254 4,242,032 4,139,304 4,083,260Minnesota 682,874,305 628,057,611 595,601,480 2,944,133 2,875,940 2,838,814Mississippi 408,686,588 387,019,013 368,204,411 1,289,636 1,267,236 1,242,487Missouri 800,757,425 754,476,151 737,247,434 2,951,131 2,894,785 2,874,587Montana 124,090,370 116,025,011 109,059,211 467,881 453,975 444,971Nebraska 239,535,032 226,060,897 216,381,579 1,015,964 996,088 980,495Nevada 389,056,035 362,104,263 349,118,190 1,298,869 1,250,496 1,212,277New Hampshire 239,576,524 222,050,641 205,516,909 810,371 782,417 752,019New Jersey 1,568,002,922 1,491,869,023 1,441,912,807 4,120,501 4,045,188 3,960,976New Mexico 235,525,364 225,757,471 222,863,064 869,289 856,137 853,957New York 2,660,201,828 2,483,931,095 2,371,007,547 6,967,144 6,815,881 6,691,376North Carolina 1,284,088,337 1,191,985,640 1,153,623,294 4,674,365 4,546,200 4,568,966North Dakota 97,181,808 90,770,964 83,608,192 384,322 371,283 358,518Ohio 1,650,783,340 1,558,930,718 1,486,383,335 6,165,684 6,061,625 5,961,369Oklahoma 549,807,838 515,291,340 493,508,602 1,748,655 1,717,903 1,697,619Oregon 446,182,012 410,934,132 391,649,074 1,998,918 1,938,507 1,907,143Pennsylvania 2,147,116,743 2,030,852,618 1,933,023,458 6,635,454 6,543,907 6,442,406Rhode Island 189,470,411 175,055,418 164,462,047 468,644 453,937 445,550South Carolina 677,682,056 619,717,116 584,711,281 2,580,440 2,489,211 2,412,489South Dakota 90,839,417 85,655,742 81,643,054 435,306 422,257 412,917Tennessee 972,306,174 915,583,119 871,534,065 3,167,496 3,070,037 3,007,169Texas 4,546,741,689 4,172,564,421 3,809,164,419 n/a n/a n/aUtah 350,381,046 326,525,165 312,951,488 1,332,224 1,284,621 1,250,210Vermont 103,553,578 97,702,845 92,087,807 346,801 340,630 329,279Virginia 1,304,992,712 1,235,816,134 1,179,973,159 4,668,101 4,582,564 4,526,957Washington 863,980,024 807,984,669 764,231,748 3,352,926 3,248,621 3,178,843West Virginia 286,642,671 277,399,919 268,237,399 871,079 854,466 842,795Wisconsin 688,191,193 645,037,976 612,046,337 3,073,053 2,996,975 2,964,680Wyoming 78,278,417 74,379,240 71,823,365 282,962 278,485 275,202Countrywide 48,316,241,733 44,882,020,980 42,490,863,201 139,705,881 135,975,701 133,314,661CW w/o Texas 43,769,500,044 40,709,456,559 38,681,698,782 139,705,881 135,975,701 133,314,661

Table 29A

Collision 2013-2015




STATE 2015 2014 2013 2015 2014 2013Alabama 615,641,771 556,088,880 517,578,909 144,568 141,156 133,178Alaska 75,806,428 67,136,787 70,686,614 16,363 15,827 16,869Arizona 685,404,245 588,992,644 572,977,627 167,728 157,480 150,737Arkansas 352,302,595 313,214,607 292,645,979 76,630 75,096 72,325California 4,821,019,579 4,044,919,816 3,827,509,443 1,281,430 1,149,922 1,103,745Colorado 659,700,716 603,331,454 556,271,437 163,283 157,175 147,157Connecticut 493,877,485 458,305,506 445,122,795 113,564 108,264 105,250Delaware 122,791,995 109,048,374 104,463,224 31,987 30,706 29,358District of Columbia 69,264,211 57,799,738 52,597,073 21,368 18,912 17,062Florida 2,315,983,465 1,954,558,502 1,745,942,967 564,619 501,957 460,779Georgia 1,252,811,808 1,064,842,380 977,979,919 294,035 271,357 252,282Hawaii 134,238,817 124,164,995 116,290,598 34,589 32,847 31,573Idaho 120,401,372 108,880,450 100,895,164 31,722 30,799 28,948Illinois 1,298,274,133 1,208,571,524 1,115,547,255 348,236 351,540 321,606Indiana 683,787,276 627,871,604 573,406,488 177,061 176,567 155,442Iowa 285,608,676 278,035,582 257,831,151 76,296 78,284 75,902Kansas 292,408,843 270,719,492 261,095,226 67,986 70,263 69,742Kentucky 420,814,984 381,682,609 354,515,986 105,159 111,639 95,104Louisiana 704,744,185 622,743,170 589,091,839 154,187 144,528 140,723Maine 119,374,487 112,641,699 108,105,224 35,535 34,750 31,919Maryland 901,580,404 819,830,226 761,475,404 241,853 230,187 214,706Massachusetts 884,734,370 792,991,813 732,382,850 282,210 252,331 241,922Michigan 1,354,455,456 1,335,647,927 1,210,617,567 327,792 360,728 329,485Minnesota 501,730,654 503,765,951 467,969,176 140,322 154,748 142,448Mississippi 323,493,929 297,652,965 270,981,463 78,560 71,673 70,431Missouri 651,980,337 588,711,857 548,836,201 160,348 154,824 148,159Montana 87,917,002 83,134,464 73,662,758 20,091 20,883 19,046Nebraska 183,301,107 171,412,397 159,613,007 45,103 44,765 44,882Nevada 319,928,832 274,683,272 248,370,610 73,541 68,723 63,558New Hampshire 166,317,516 151,960,467 143,438,670 49,525 47,363 43,895New Jersey 1,142,833,251 1,043,036,687 990,766,899 263,183 253,569 244,837New Mexico 181,840,962 166,684,321 160,146,126 44,374 44,221 42,911New York 2,218,087,867 2,021,087,183 1,886,138,761 478,206 451,044 419,803North Carolina 868,971,526 798,596,968 758,256,232 235,428 225,890 221,985North Dakota 70,022,871 65,537,060 62,840,055 18,786 19,130 19,090Ohio 1,223,086,806 1,149,283,607 1,051,931,699 339,382 336,401 313,525Oklahoma 418,920,910 389,196,151 366,927,115 90,899 92,318 87,893Oregon 354,319,744 317,431,933 294,810,217 95,687 94,834 88,139Pennsylvania 1,698,548,681 1,554,906,753 1,476,938,552 448,271 433,051 411,733Rhode Island 150,821,819 138,281,910 122,902,027 34,587 32,014 28,745South Carolina 534,997,710 473,856,161 432,324,734 139,493 133,007 123,218South Dakota 68,258,244 62,856,083 58,914,697 17,377 17,133 17,039Tennessee 760,572,086 651,724,390 614,500,210 164,261 150,894 142,772Texas 3,241,924,553 2,824,170,015 2,556,167,153 n/a n/a n/aUtah 266,071,397 232,004,809 235,088,227 67,558 62,259 62,899Vermont 67,388,317 68,272,867 65,131,083 18,118 18,460 17,188Virginia 969,201,227 881,932,726 851,426,425 286,421 271,735 263,238Washington 668,963,625 600,058,629 546,759,761 168,655 164,906 153,236West Virginia 195,307,641 188,468,933 179,218,791 42,334 42,265 40,640Wisconsin 505,518,847 490,646,709 468,209,735 143,877 148,473 140,853Wyoming 55,725,799 57,239,214 52,344,256 12,980 14,067 13,231Countrywide 36,561,080,561 32,748,614,261 30,489,645,379 8,435,568 8,070,965 7,611,208CW w/o Texas 33,319,156,008 29,924,444,246 27,933,478,226 8,435,568 8,070,965 7,611,208

Table 29B

Collision 2013-2015





Table 29C

Collision 2013-2015





Table 29D

Collision 2013-2015



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 Voluntary Market Business and Residual Market Business 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.i

1 See Collision, Page 167.



STATE 2015 2014 2013 2015 2014 2013Alabama 357,677,371 340,579,194 323,192,808 2,564,029 2,510,252 2,456,950Alaska 47,135,377 46,307,965 45,824,632 361,878 351,152 342,827Arizona 546,960,971 523,727,728 512,327,099 3,246,858 3,161,192 3,084,861Arkansas 247,697,906 244,951,647 235,017,036 1,404,698 1,371,673 1,353,466California 1,871,560,229 1,763,215,628 1,739,444,748 18,747,219 18,058,789 17,609,241Colorado 467,183,589 432,378,784 407,191,605 2,937,466 2,874,551 2,817,305Connecticut 256,513,545 249,961,141 239,003,936 2,078,632 2,038,217 2,001,661Delaware 57,387,005 53,713,090 51,149,397 525,225 512,491 501,998District of Columbia 45,343,306 43,602,542 41,864,956 205,860 198,699 193,496Florida 1,020,550,098 931,748,242 868,086,569 10,042,889 9,558,157 9,234,950Georgia 717,807,402 671,112,025 650,149,904 5,069,136 4,888,031 4,783,211Hawaii 61,301,834 58,115,445 56,585,771 652,467 627,602 605,747Idaho 82,429,835 76,728,637 72,612,221 794,316 769,869 750,379Illinois 642,017,053 612,974,462 564,330,692 5,902,420 5,846,594 5,790,164Indiana 394,890,111 372,811,863 352,827,321 3,652,732 3,596,250 3,442,037Iowa 322,043,496 305,470,612 293,186,735 1,857,159 1,827,781 1,803,841Kansas 341,800,315 328,565,411 310,289,511 1,505,056 1,481,500 1,475,327Kentucky 289,091,192 268,487,469 252,978,383 2,210,090 2,162,211 2,117,244Louisiana 410,003,781 391,690,309 375,291,898 2,102,290 2,052,684 2,007,573Maine 66,446,921 62,308,691 59,679,903 733,674 705,412 691,137Maryland 467,770,605 452,652,698 439,227,848 3,391,424 3,338,898 3,286,186Massachusetts 510,127,129 489,545,497 466,034,614 3,830,769 3,752,364 3,666,096Michigan 666,818,908 628,990,573 607,193,309 4,749,183 4,622,741 4,550,053Minnesota 554,152,183 531,255,999 508,618,711 3,202,774 3,159,178 3,127,322Mississippi 255,575,476 239,736,048 224,682,498 1,323,318 1,301,328 1,276,129Missouri 506,047,528 477,941,895 447,780,156 3,024,794 2,983,645 2,962,203Montana 101,013,500 94,484,848 89,188,585 494,868 485,944 476,715Nebraska 226,870,026 210,308,764 196,410,091 1,046,249 1,031,400 1,017,489Nevada 130,071,441 124,065,796 121,203,819 1,332,012 1,284,413 1,245,942New Hampshire 81,850,339 77,270,599 73,222,385 843,308 818,064 802,909New Jersey 502,607,378 478,608,585 451,340,698 4,330,904 4,247,095 4,152,571New Mexico 139,654,354 135,654,241 134,399,194 897,109 887,868 885,164New York 1,201,366,521 1,130,775,803 1,050,001,637 7,577,974 7,410,246 7,281,712North Carolina 548,016,453 522,308,842 513,749,523 5,060,391 4,929,808 4,960,151North Dakota 90,992,931 88,360,270 84,905,369 399,717 388,303 375,802Ohio 706,462,679 673,700,908 643,876,791 6,644,104 6,552,085 6,459,480Oklahoma 375,115,245 348,652,884 318,391,667 1,767,370 1,749,319 1,731,171Oregon 175,132,927 162,771,780 157,121,901 2,204,332 2,147,947 2,117,318Pennsylvania 903,933,200 857,844,988 807,606,572 7,070,715 7,001,741 6,948,701Rhode Island 58,140,496 54,163,831 51,677,294 492,446 478,861 470,939South Carolina 463,188,026 429,840,311 394,490,740 2,747,794 2,639,806 2,561,697South Dakota 113,205,008 102,252,625 95,114,640 450,885 439,769 431,227Tennessee 440,512,374 413,664,054 381,894,733 3,366,236 3,270,209 3,204,629Texas 2,568,886,962 2,407,859,236 2,270,622,173 n/a n/a n/aUtah 134,340,549 128,668,070 123,421,831 1,403,668 1,355,984 1,319,270Vermont 44,421,744 42,553,781 40,507,036 374,351 369,409 365,092Virginia 617,049,785 592,654,876 573,809,040 4,928,263 4,843,319 4,784,814Washington 342,606,477 323,633,738 313,347,160 3,639,043 3,538,361 3,470,899West Virginia 181,536,548 175,393,587 169,643,052 954,829 940,898 931,433Wisconsin 413,974,390 394,707,824 377,318,549 3,299,088 3,226,802 3,196,996Wyoming 67,565,230 63,379,196 60,035,184 292,433 291,526 288,210Countrywide 21,834,847,749 20,632,153,032 19,637,871,925 147,734,445 144,080,438 141,411,735CW w/o Texas 19,265,960,787 18,224,293,796 17,367,249,752 147,734,445 144,080,438 141,411,735

Table 30A

Comprehensive 2013-2015




STATE 2015 2014 2013 2015 2014 2013Alabama 239,588,199 244,108,440 233,460,898 234,390 230,917 227,495Alaska 25,573,774 25,451,861 23,298,860 44,218 42,877 43,180Arizona 408,453,198 344,430,081 317,090,861 741,988 619,209 603,573Arkansas 203,001,583 160,582,353 128,448,023 134,248 121,837 113,104California 1,014,007,461 945,112,861 934,314,240 635,935 623,301 658,039Colorado 474,922,547 719,427,846 292,553,016 456,107 488,521 401,357Connecticut 148,256,960 145,223,682 140,267,185 216,913 209,852 199,197Delaware 41,592,637 60,456,587 37,465,759 60,692 62,143 50,843District of Columbia 25,374,256 22,948,425 20,618,128 45,187 43,212 38,359Florida 698,825,445 625,696,297 546,439,377 1,155,853 1,017,228 928,106Georgia 452,399,876 427,980,086 556,353,713 544,589 508,366 516,857Hawaii 32,826,973 27,124,841 24,873,798 60,624 54,388 52,083Idaho 61,388,344 54,899,312 49,718,363 100,807 93,754 91,466Illinois 443,299,957 492,782,207 414,310,839 349,798 373,365 315,805Indiana 261,863,562 274,270,323 289,110,087 204,699 210,054 189,637Iowa 204,667,637 264,015,064 212,942,023 116,234 135,352 128,182Kansas 206,199,656 207,816,822 258,837,508 119,999 126,635 140,453Kentucky 229,056,278 191,601,968 166,950,728 190,033 183,743 160,316Louisiana 240,943,620 216,454,498 372,857,150 237,259 218,571 252,125Maine 56,080,255 45,204,446 36,736,056 56,242 54,431 47,121Maryland 336,754,495 314,329,659 284,559,088 518,547 504,832 465,025Massachusetts 345,277,409 285,340,799 255,796,103 537,133 530,739 495,143Michigan 449,028,822 572,029,701 448,390,185 477,904 539,589 490,862Minnesota 379,307,097 318,572,745 407,338,862 337,994 339,597 357,024Mississippi 153,679,302 167,423,072 397,858,301 123,502 125,530 179,091Missouri 361,171,741 362,747,787 253,634,790 244,299 249,279 215,667Montana 83,484,408 118,798,831 64,816,673 51,688 61,640 47,511Nebraska 117,993,358 276,104,340 201,847,018 82,476 117,574 106,474Nevada 84,534,876 74,048,600 67,587,115 128,678 111,124 102,685New Hampshire 51,829,133 47,978,159 41,433,905 72,426 70,949 63,630New Jersey 276,012,542 293,090,545 210,364,463 292,423 276,417 242,904New Mexico 129,566,534 103,004,145 83,016,883 105,997 92,776 90,113New York 797,591,092 867,299,470 611,676,731 978,818 972,177 870,730North Carolina 356,849,833 352,089,355 322,997,706 273,764 279,997 264,051North Dakota 53,004,745 47,846,209 43,893,982 33,501 32,339 31,999Ohio 463,370,334 457,708,210 431,467,589 478,226 479,618 446,230Oklahoma 277,634,885 171,692,085 463,426,729 130,959 103,502 167,359Oregon 120,047,752 116,687,459 101,293,912 161,719 159,262 150,815Pennsylvania 670,959,359 984,648,340 588,368,874 599,469 662,940 549,727Rhode Island 43,338,479 35,589,438 36,684,006 42,615 39,248 37,918South Carolina 376,893,030 399,439,923 258,894,037 447,077 457,734 371,520South Dakota 117,843,187 180,831,587 141,312,090 51,165 69,753 63,262Tennessee 256,040,708 251,545,706 223,696,331 227,194 208,461 196,328Texas 1,787,595,882 1,422,165,290 1,290,489,057 n/a n/a n/aUtah 93,777,870 87,259,456 82,943,064 152,062 148,155 150,672Vermont 30,078,214 66,720,341 25,457,243 35,450 45,341 33,518Virginia 392,196,518 407,125,189 360,894,184 666,247 657,679 614,718Washington 224,266,097 205,770,680 183,816,825 339,917 328,064 320,341West Virginia 123,017,826 111,999,815 111,417,070 86,915 85,639 80,713Wisconsin 298,727,558 284,472,153 271,770,095 197,374 195,013 189,625Wyoming 48,027,920 59,216,506 56,155,925 30,758 32,356 32,705Countrywide 14,768,223,224 14,939,163,595 13,379,945,448 13,612,112 13,395,080 12,585,658CW w/o Texas 12,980,627,342 13,516,998,305 12,089,456,391 13,612,112 13,395,080 12,585,658

Table 30B






Table 30C





STATE 2015 2014 2013 2015 2014 2013Alabama 9.14 9.20 9.26 1,022.18 1,057.13 1,026.22Alaska 12.22 12.21 12.60 578.36 593.60 539.58Arizona 22.85 19.59 19.57 550.48 556.24 525.36Arkansas 9.56 8.88 8.36 1,512.14 1,318.01 1,135.66California 3.39 3.45 3.74 1,594.51 1,516.30 1,419.85Colorado 15.53 16.99 14.25 1,041.25 1,472.67 728.91Connecticut 10.44 10.30 9.95 683.49 692.03 704.16Delaware 11.56 12.13 10.13 685.31 972.86 736.89District of Columbia 21.95 21.75 19.82 561.54 531.07 537.50Florida 11.51 10.64 10.05 604.60 615.10 588.77Georgia 10.74 10.40 10.81 830.72 841.87 1,076.42Hawaii 9.29 8.67 8.60 541.48 498.73 477.58Idaho 12.69 12.18 12.19 608.97 585.57 543.57Illinois 5.93 6.39 5.45 1,267.30 1,319.84 1,311.92Indiana 5.60 5.84 5.51 1,279.26 1,305.71 1,524.54Iowa 6.26 7.41 7.11 1,760.82 1,950.58 1,661.25Kansas 7.97 8.55 9.52 1,718.34 1,641.07 1,842.88Kentucky 8.60 8.50 7.57 1,205.35 1,042.77 1,041.39Louisiana 11.29 10.65 12.56 1,015.53 990.32 1,478.86Maine 7.67 7.72 6.82 997.12 830.49 779.61Maryland 15.29 15.12 14.15 649.42 622.64 611.92Massachusetts 14.02 14.14 13.51 642.82 537.63 516.61Michigan 10.06 11.67 10.79 939.58 1,060.12 913.48Minnesota 10.55 10.75 11.42 1,122.23 938.09 1,140.93Mississippi 9.33 9.65 14.03 1,244.35 1,333.73 2,221.54Missouri 8.08 8.35 7.28 1,478.40 1,455.19 1,176.05Montana 10.44 12.68 9.97 1,615.16 1,927.30 1,364.25Nebraska 7.88 11.40 10.46 1,430.64 2,348.35 1,895.74Nevada 9.66 8.65 8.24 656.95 666.36 658.20New Hampshire 8.59 8.67 7.92 715.62 676.23 651.17New Jersey 6.75 6.51 5.85 943.88 1,060.32 866.04New Mexico 11.82 10.45 10.18 1,222.36 1,110.25 921.25New York 12.92 13.12 11.96 814.85 892.12 702.49North Carolina 5.41 5.68 5.32 1,303.49 1,257.48 1,223.24North Dakota 8.38 8.33 8.51 1,582.18 1,479.52 1,371.73Ohio 7.20 7.32 6.91 968.94 954.32 966.92Oklahoma 7.41 5.92 9.67 2,120.01 1,658.83 2,769.06Oregon 7.34 7.41 7.12 742.32 732.68 671.64Pennsylvania 8.48 9.47 7.91 1,119.26 1,485.28 1,070.29Rhode Island 8.65 8.20 8.05 1,016.98 906.78 967.46South Carolina 16.27 17.34 14.50 843.02 872.65 696.85South Dakota 11.35 15.86 14.67 2,303.20 2,592.46 2,233.76Tennessee 6.75 6.37 6.13 1,126.97 1,206.68 1,139.40Texas n/a n/a n/a n/a n/a n/aUtah 10.83 10.93 11.42 616.71 588.97 550.49Vermont 9.47 12.27 9.18 848.47 1,471.52 759.51Virginia 13.52 13.58 12.85 588.67 619.03 587.09Washington 9.34 9.27 9.23 659.77 627.23 573.82West Virginia 9.10 9.10 8.67 1,415.38 1,307.81 1,380.41Wisconsin 5.98 6.04 5.93 1,513.51 1,458.73 1,433.20Wyoming 10.52 11.10 11.35 1,561.48 1,830.16 1,717.04Countrywide 9.21 9.30 8.90 1,084.93 1,115.27 1,063.11CW w/o Texas 9.21 9.30 8.90 953.61 1,009.10 960.57

Table 30D





STATE 2015 2014 2013 2015 2014 2013Alabama 0 0 0 0 0 0Alaska 504 165 109 5 1 1Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California 0 0 0 0 0 0Colorado 0 0 0 0 0 0Connecticut 2,759 5,041 5,477 12 17 18Delaware 143 78 0 0 0 0District of Columbia 8,421 16,650 21,280 13 21 30Florida 14,669 38,831 75,551 18 143 234Georgia 0 0 0 0 0 0Hawaii 14,192 11,424 14,118 32 32 53Idaho 195 31 -41 0 0 0Illinois 20,568 20,895 29,974 61 68 104Indiana -15 226 640 0 1 2Iowa 655 -121 553 1 0 2Kansas 142,332 126,538 120,712 299 286 263Kentucky 0 0 0 0 0 0Louisiana 6,425 0 0 1 0 0Maine 518 1,091 524 1 3 3Maryland 3,374,561 3,080,719 3,118,335 11,628 11,729 12,189Massachusetts 7,193,620 8,790,846 11,225,992 32,662 40,593 52,644Michigan 376,148 445,637 352,467 1,258 1,541 1,113Minnesota 0 49 1,483 0 1 3Mississippi 1,063 402 -34 2 2 0Missouri 404 857 1,423 0 2 2Montana 0 2 595 0 0 1Nebraska 0 0 0 0 0 0Nevada 249 0 0 0 0 0New Hampshire 13,765 15,754 16,085 55 78 77New Jersey 573,883 821,369 1,269,313 2,231 3,383 5,298New Mexico 475 778 566 1 1 1New York 1,076,534 1,175,830 1,330,951 2,478 2,838 3,293North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 1,128 84 -63 1 0 1Oregon 180 0 0 1 0 0Pennsylvania 17,937 28,249 32,471 37 48 64Rhode Island 37,367 28,665 28,807 40 33 41South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 55 1,537 56 0 2 1Texas 0 0 0 n/a n/a n/aUtah 473 651 489 0 2 0Vermont 1,904 3,223 3,604 6 9 10Virginia 32,745 36,946 48,541 103 121 145Washington 474 285 0 1 0 0West Virginia 954 1,661 224 1 1 1Wisconsin 90 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 12,915,375 14,654,393 17,700,202 50,948 60,956 75,594CW w/o Texas 12,915,375 14,654,393 17,700,202 50,948 60,956 75,594

Table 31A





STATE 2015 2014 2013 2015 2014 2013Alabama 0 0 0 0 0 0Alaska 0 52 51 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California 0 0 0 0 0 0Colorado 0 0 0 0 0 0Connecticut 740 5,471 16,212 1 2 5Delaware 0 0 0 0 0 0District of Columbia 54 28,674 0 1 6 0Florida 2,834 36,470 4,664 1 6 4Georgia 0 0 0 0 0 0Hawaii 0 1,451 427 0 1 1Idaho 0 0 0 0 0 0Illinois 5,303 9,349 16,907 1 4 5Indiana 0 0 0 0 0 0Iowa 0 0 377 0 0 1Kansas 71,129 71,279 103,996 20 21 32Kentucky 0 0 0 0 0 0Louisiana 0 0 -659 0 0 0Maine 0 0 9,164 0 0 1Maryland 2,404,843 2,008,006 2,414,969 648 593 697Massachusetts 6,265,003 6,926,742 8,570,035 7,661 8,935 11,443Michigan 446,725 779,192 475,656 80 111 75Minnesota 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 3,332 7,637 0 3 3 0New Jersey 422,859 555,053 973,804 71 105 191New Mexico 0 0 0 0 0 0New York 514,828 700,982 557,277 196 223 218North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 0 0 0 0 0 0Pennsylvania -638 5,724 6,076 -1 3 4Rhode Island 8,562 7,080 27,355 4 1 8South 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 6,217 0 0 1Virginia 16,627 494 12,266 11 4 7Washington 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 10,162,201 11,143,656 13,194,794 8,697 10,018 12,693CW w/o Texas 10,162,201 11,143,656 13,194,794 8,697 10,018 12,693

Table 31B





STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska 0.00 52.00 51.00 0.00 31.52 46.79Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut 61.67 321.82 900.67 26.82 108.53 296.00Delaware - - - 0.00 0.00 -District of Columbia 4.15 1,365.43 0.00 0.64 172.22 0.00Florida 157.44 255.03 19.93 19.32 93.92 6.17Georgia - - - - - -Hawaii 0.00 45.34 8.06 0.00 12.70 3.02Idaho - - - 0.00 0.00 0.00Illinois 86.93 137.49 162.57 25.78 44.74 56.41Indiana - 0.00 0.00 0.00 0.00 0.00Iowa 0.00 - 188.50 0.00 0.00 68.17Kansas 237.89 249.23 395.42 49.97 56.33 86.15Kentucky - - - - - -Louisiana 0.00 - - 0.00 - -Maine 0.00 0.00 3,054.67 0.00 0.00 1,748.85Maryland 206.81 171.20 198.13 71.26 65.18 77.44Massachusetts 191.81 170.64 162.79 87.09 78.79 76.34Michigan 355.11 505.64 427.36 118.76 174.85 134.95Minnesota - 0.00 0.00 - 0.00 0.00Mississippi 0.00 0.00 - 0.00 0.00 0.00Missouri - 0.00 0.00 0.00 0.00 0.00Montana - - 0.00 - 0.00 0.00Nebraska - - - - - -Nevada - - - 0.00 - -New Hampshire 60.58 97.91 0.00 24.21 48.48 0.00New Jersey 189.54 164.07 183.81 73.68 67.58 76.72New Mexico 0.00 0.00 0.00 0.00 0.00 0.00New York 207.76 247.00 169.23 47.82 59.62 41.87North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma 0.00 - 0.00 0.00 0.00 0.00Oregon 0.00 - - 0.00 - -Pennsylvania -17.24 119.25 94.94 -3.56 20.26 18.71Rhode Island 214.05 214.55 667.20 22.91 24.70 94.96South Carolina - - - - - -South Dakota - - - - - -Tennessee - 0.00 0.00 0.00 0.00 0.00Texas n/a n/a n/a - - -Utah - 0.00 - 0.00 0.00 0.00Vermont 0.00 0.00 621.70 0.00 0.00 172.50Virginia 161.43 4.08 84.59 50.78 1.34 25.27Washington 0.00 - - 0.00 0.00 -West Virginia 0.00 0.00 0.00 0.00 0.00 0.00Wisconsin - - - 0.00 - -Wyoming - - - - - -Countrywide 199.46 182.81 174.55 78.68 76.04 74.55CW w/o Texas 199.46 182.81 174.55 78.68 76.04 74.55

Table 31C





STATE 2015 2014 2013 2015 2014 2013Alabama - - - - - -Alaska 0.00 0.00 0.00 - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut 8.33 11.76 27.78 740.00 2,735.50 3,242.40Delaware - - - - - -District of Columbia 7.69 28.57 0.00 54.00 4,779.00 -Florida 5.56 4.20 1.71 2,834.00 6,078.33 1,166.00Georgia - - - - - -Hawaii 0.00 3.13 1.89 - 1,451.00 427.00Idaho - - - - - -Illinois 1.64 5.88 4.81 5,303.00 2,337.25 3,381.40Indiana - 0.00 0.00 - - -Iowa 0.00 - 50.00 - - 377.00Kansas 6.69 7.34 12.17 3,556.45 3,394.24 3,249.88Kentucky - - - - - -Louisiana 0.00 - - - - -Maine 0.00 0.00 33.33 - - 9,164.00Maryland 5.57 5.06 5.72 3,711.18 3,386.18 3,464.80Massachusetts 23.46 22.01 21.74 817.78 775.24 748.93Michigan 6.36 7.20 6.74 5,584.06 7,019.75 6,342.08Minnesota - 0.00 0.00 - - -Mississippi 0.00 0.00 - - - -Missouri - 0.00 0.00 - - -Montana - - 0.00 - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire 5.45 3.85 0.00 1,110.67 2,545.67 -New Jersey 3.18 3.10 3.61 5,955.76 5,286.22 5,098.45New Mexico 0.00 0.00 0.00 - - -New York 7.91 7.86 6.62 2,626.67 3,143.42 2,556.32North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma 0.00 - 0.00 - - -Oregon 0.00 - - - - -Pennsylvania -2.70 6.25 6.25 638.00 1,908.00 1,519.00Rhode Island 10.00 3.03 19.51 2,140.50 7,080.00 3,419.38South Carolina - - - - - -South Dakota - - - - - -Tennessee - 0.00 0.00 - - -Texas n/a n/a n/a n/a n/a n/aUtah - 0.00 - - - -Vermont 0.00 0.00 10.00 - - 6,217.00Virginia 10.68 3.31 4.83 1,511.55 123.50 1,752.29Washington 0.00 - - - - -West Virginia 0.00 0.00 0.00 - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 17.07 16.43 16.79 1,168.47 1,112.36 1,039.53CW w/o Texas 17.07 16.43 16.79 1,168.47 1,112.36 1,039.53

Table 31D





STATE 2015 2014 2013 2015 2014 2013Alabama 357,677,371 340,579,194 323,192,808 2,564,029 2,510,252 2,456,950Alaska 47,135,881 46,308,130 45,824,741 361,883 351,153 342,828Arizona 546,960,971 523,727,728 512,327,099 3,246,858 3,161,192 3,084,861Arkansas 247,697,906 244,951,647 235,017,036 1,404,698 1,371,673 1,353,466California 1,871,560,229 1,763,215,628 1,739,444,748 18,747,219 18,058,789 17,609,241Colorado 467,183,589 432,378,784 407,191,605 2,937,466 2,874,551 2,817,305Connecticut 256,516,304 249,966,182 239,009,413 2,078,644 2,038,234 2,001,679Delaware 57,387,148 53,713,168 51,149,397 525,225 512,491 501,998District of Columbia 45,351,727 43,619,192 41,886,236 205,873 198,720 193,526Florida 1,020,564,767 931,787,073 868,162,120 10,042,907 9,558,300 9,235,184Georgia 717,807,402 671,112,025 650,149,904 5,069,136 4,888,031 4,783,211Hawaii 61,316,026 58,126,869 56,599,889 652,499 627,634 605,800Idaho 82,430,030 76,728,668 72,612,180 794,316 769,869 750,379Illinois 642,037,621 612,995,357 564,360,666 5,902,481 5,846,662 5,790,268Indiana 394,890,096 372,812,089 352,827,961 3,652,732 3,596,251 3,442,039Iowa 322,044,151 305,470,491 293,187,288 1,857,160 1,827,781 1,803,843Kansas 341,942,647 328,691,949 310,410,223 1,505,355 1,481,786 1,475,590Kentucky 289,091,192 268,487,469 252,978,383 2,210,090 2,162,211 2,117,244Louisiana 410,010,206 391,690,309 375,291,898 2,102,291 2,052,684 2,007,573Maine 66,447,439 62,309,782 59,680,427 733,675 705,415 691,140Maryland 471,145,166 455,733,417 442,346,183 3,403,052 3,350,627 3,298,375Massachusetts 517,320,749 498,336,343 477,260,606 3,863,431 3,792,957 3,718,740Michigan 667,195,056 629,436,210 607,545,776 4,750,441 4,624,282 4,551,166Minnesota 554,152,183 531,256,048 508,620,194 3,202,774 3,159,179 3,127,325Mississippi 255,576,539 239,736,450 224,682,464 1,323,320 1,301,330 1,276,129Missouri 506,047,932 477,942,752 447,781,579 3,024,794 2,983,647 2,962,205Montana 101,013,500 94,484,850 89,189,180 494,868 485,944 476,716Nebraska 226,870,026 210,308,764 196,410,091 1,046,249 1,031,400 1,017,489Nevada 130,071,690 124,065,796 121,203,819 1,332,012 1,284,413 1,245,942New Hampshire 81,864,104 77,286,353 73,238,470 843,363 818,142 802,986New Jersey 503,181,261 479,429,954 452,610,011 4,333,135 4,250,478 4,157,869New Mexico 139,654,829 135,655,019 134,399,760 897,110 887,869 885,165New York 1,202,443,055 1,131,951,633 1,051,332,588 7,580,452 7,413,084 7,285,005North Carolina 548,016,453 522,308,842 513,749,523 5,060,391 4,929,808 4,960,151North Dakota 90,992,931 88,360,270 84,905,369 399,717 388,303 375,802Ohio 706,462,679 673,700,908 643,876,791 6,644,104 6,552,085 6,459,480Oklahoma 375,116,373 348,652,968 318,391,604 1,767,371 1,749,319 1,731,172Oregon 175,133,107 162,771,780 157,121,901 2,204,333 2,147,947 2,117,318Pennsylvania 903,951,137 857,873,237 807,639,043 7,070,752 7,001,789 6,948,765Rhode Island 58,177,863 54,192,496 51,706,101 492,486 478,894 470,980South Carolina 463,188,026 429,840,311 394,490,740 2,747,794 2,639,806 2,561,697South Dakota 113,205,008 102,252,625 95,114,640 450,885 439,769 431,227Tennessee 440,512,429 413,665,591 381,894,789 3,366,236 3,270,211 3,204,630Texas 2,568,886,962 2,407,859,236 2,270,622,173 n/a n/a n/aUtah 134,341,022 128,668,721 123,422,320 1,403,668 1,355,986 1,319,270Vermont 44,423,648 42,557,004 40,510,640 374,357 369,418 365,102Virginia 617,082,530 592,691,822 573,857,581 4,928,366 4,843,440 4,784,959Washington 342,606,951 323,634,023 313,347,160 3,639,044 3,538,361 3,470,899West Virginia 181,537,502 175,395,248 169,643,276 954,830 940,899 931,434Wisconsin 413,974,480 394,707,824 377,318,549 3,299,088 3,226,802 3,196,996Wyoming 67,565,230 63,379,196 60,035,184 292,433 291,526 288,210Countrywide 21,847,763,124 20,646,807,425 19,655,572,127 147,785,393 144,141,394 141,487,329CW w/o Texas 19,278,876,162 18,238,948,189 17,384,949,954 147,785,393 144,141,394 141,487,329

Table 32A





STATE 2015 2014 2013 2015 2014 2013Alabama 239,588,199 244,108,440 233,460,898 234,390 230,917 227,495Alaska 25,573,774 25,451,913 23,298,911 44,218 42,877 43,180Arizona 408,453,198 344,430,081 317,090,861 741,988 619,209 603,573Arkansas 203,001,583 160,582,353 128,448,023 134,248 121,837 113,104California 1,014,007,461 945,112,861 934,314,240 635,935 623,301 658,039Colorado 474,922,547 719,427,846 292,553,016 456,107 488,521 401,357Connecticut 148,257,700 145,229,153 140,283,397 216,914 209,854 199,202Delaware 41,592,637 60,456,587 37,465,759 60,692 62,143 50,843District of Columbia 25,374,310 22,977,099 20,618,128 45,188 43,218 38,359Florida 698,828,279 625,732,767 546,444,041 1,155,854 1,017,234 928,110Georgia 452,399,876 427,980,086 556,353,713 544,589 508,366 516,857Hawaii 32,826,973 27,126,292 24,874,225 60,624 54,389 52,084Idaho 61,388,344 54,899,312 49,718,363 100,807 93,754 91,466Illinois 443,305,260 492,791,556 414,327,746 349,799 373,369 315,810Indiana 261,863,562 274,270,323 289,110,087 204,699 210,054 189,637Iowa 204,667,637 264,015,064 212,942,400 116,234 135,352 128,183Kansas 206,270,785 207,888,101 258,941,504 120,019 126,656 140,485Kentucky 229,056,278 191,601,968 166,950,728 190,033 183,743 160,316Louisiana 240,943,620 216,454,498 372,856,491 237,259 218,571 252,125Maine 56,080,255 45,204,446 36,745,220 56,242 54,431 47,122Maryland 339,159,338 316,337,665 286,974,057 519,195 505,425 465,722Massachusetts 351,542,412 292,267,541 264,366,138 544,794 539,674 506,586Michigan 449,475,547 572,808,893 448,865,841 477,984 539,700 490,937Minnesota 379,307,097 318,572,745 407,338,862 337,994 339,597 357,024Mississippi 153,679,302 167,423,072 397,858,301 123,502 125,530 179,091Missouri 361,171,741 362,747,787 253,634,790 244,299 249,279 215,667Montana 83,484,408 118,798,831 64,816,673 51,688 61,640 47,511Nebraska 117,993,358 276,104,340 201,847,018 82,476 117,574 106,474Nevada 84,534,876 74,048,600 67,587,115 128,678 111,124 102,685New Hampshire 51,832,465 47,985,796 41,433,905 72,429 70,952 63,630New Jersey 276,435,401 293,645,598 211,338,267 292,494 276,522 243,095New Mexico 129,566,534 103,004,145 83,016,883 105,997 92,776 90,113New York 798,105,920 868,000,452 612,234,008 979,014 972,400 870,948North Carolina 356,849,833 352,089,355 322,997,706 273,764 279,997 264,051North Dakota 53,004,745 47,846,209 43,893,982 33,501 32,339 31,999Ohio 463,370,334 457,708,210 431,467,589 478,226 479,618 446,230Oklahoma 277,634,885 171,692,085 463,426,729 130,959 103,502 167,359Oregon 120,047,752 116,687,459 101,293,912 161,719 159,262 150,815Pennsylvania 670,958,721 984,654,064 588,374,950 599,468 662,943 549,731Rhode Island 43,347,041 35,596,518 36,711,361 42,619 39,249 37,926South Carolina 376,893,030 399,439,923 258,894,037 447,077 457,734 371,520South Dakota 117,843,187 180,831,587 141,312,090 51,165 69,753 63,262Tennessee 256,040,708 251,545,706 223,696,331 227,194 208,461 196,328Texas 1,787,595,882 1,422,165,290 1,290,489,057 n/a n/a n/aUtah 93,777,870 87,259,456 82,943,064 152,062 148,155 150,672Vermont 30,078,214 66,720,341 25,463,460 35,450 45,341 33,519Virginia 392,213,145 407,125,683 360,906,450 666,258 657,683 614,725Washington 224,266,097 205,770,680 183,816,825 339,917 328,064 320,341West Virginia 123,017,826 111,999,815 111,417,070 86,915 85,639 80,713Wisconsin 298,727,558 284,472,153 271,770,095 197,374 195,013 189,625Wyoming 48,027,920 59,216,506 56,155,925 30,758 32,356 32,705Countrywide 14,778,385,425 14,950,307,251 13,393,140,242 13,620,809 13,405,098 12,598,351CW w/o Texas 12,990,789,543 13,528,141,961 12,102,651,185 13,620,809 13,405,098 12,598,351

Table 32B






Table 32C





STATE 2015 2014 2013 2015 2014 2013Alabama 9.14 9.20 9.26 1,022.18 1,057.13 1,026.22Alaska 12.22 12.21 12.60 578.36 593.60 539.58Arizona 22.85 19.59 19.57 550.48 556.24 525.36Arkansas 9.56 8.88 8.36 1,512.14 1,318.01 1,135.66California 3.39 3.45 3.74 1,594.51 1,516.30 1,419.85Colorado 15.53 16.99 14.25 1,041.25 1,472.67 728.91Connecticut 10.44 10.30 9.95 683.49 692.05 704.23Delaware 11.56 12.13 10.13 685.31 972.86 736.89District of Columbia 21.95 21.75 19.82 561.53 531.66 537.50Florida 11.51 10.64 10.05 604.60 615.13 588.77Georgia 10.74 10.40 10.81 830.72 841.87 1,076.42Hawaii 9.29 8.67 8.60 541.48 498.75 477.58Idaho 12.69 12.18 12.19 608.97 585.57 543.57Illinois 5.93 6.39 5.45 1,267.31 1,319.85 1,311.95Indiana 5.60 5.84 5.51 1,279.26 1,305.71 1,524.54Iowa 6.26 7.41 7.11 1,760.82 1,950.58 1,661.24Kansas 7.97 8.55 9.52 1,718.65 1,641.36 1,843.20Kentucky 8.60 8.50 7.57 1,205.35 1,042.77 1,041.39Louisiana 11.29 10.65 12.56 1,015.53 990.32 1,478.86Maine 7.67 7.72 6.82 997.12 830.49 779.79Maryland 15.26 15.08 14.12 653.24 625.88 616.19Massachusetts 14.10 14.23 13.62 645.28 541.56 521.86Michigan 10.06 11.67 10.79 940.36 1,061.35 914.30Minnesota 10.55 10.75 11.42 1,122.23 938.09 1,140.93Mississippi 9.33 9.65 14.03 1,244.35 1,333.73 2,221.54Missouri 8.08 8.35 7.28 1,478.40 1,455.19 1,176.05Montana 10.44 12.68 9.97 1,615.16 1,927.30 1,364.25Nebraska 7.88 11.40 10.46 1,430.64 2,348.35 1,895.74Nevada 9.66 8.65 8.24 656.95 666.36 658.20New Hampshire 8.59 8.67 7.92 715.63 676.31 651.17New Jersey 6.75 6.51 5.85 945.10 1,061.92 869.36New Mexico 11.82 10.45 10.18 1,222.36 1,110.25 921.25New York 12.91 13.12 11.96 815.21 892.64 702.95North Carolina 5.41 5.68 5.32 1,303.49 1,257.48 1,223.24North Dakota 8.38 8.33 8.51 1,582.18 1,479.52 1,371.73Ohio 7.20 7.32 6.91 968.94 954.32 966.92Oklahoma 7.41 5.92 9.67 2,120.01 1,658.83 2,769.06Oregon 7.34 7.41 7.12 742.32 732.68 671.64Pennsylvania 8.48 9.47 7.91 1,119.26 1,485.28 1,070.30Rhode Island 8.65 8.20 8.05 1,017.08 906.94 967.97South Carolina 16.27 17.34 14.50 843.02 872.65 696.85South Dakota 11.35 15.86 14.67 2,303.20 2,592.46 2,233.76Tennessee 6.75 6.37 6.13 1,126.97 1,206.68 1,139.40Texas n/a n/a n/a n/a n/a n/aUtah 10.83 10.93 11.42 616.71 588.97 550.49Vermont 9.47 12.27 9.18 848.47 1,471.52 759.67Virginia 13.52 13.58 12.85 588.68 619.03 587.10Washington 9.34 9.27 9.23 659.77 627.23 573.82West Virginia 9.10 9.10 8.67 1,415.38 1,307.81 1,380.41Wisconsin 5.98 6.04 5.93 1,513.51 1,458.73 1,433.20Wyoming 10.52 11.10 11.35 1,561.48 1,830.16 1,717.04Countrywide 9.22 9.30 8.90 1,084.99 1,115.27 1,063.09CW w/o Texas 9.22 9.30 8.90 953.75 1,009.18 960.65

Table 32D




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 (2013–2015). Fatal injury accident data are for motor vehicle accidents only.


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STATE 2015 2014 2013 2015 2014 2013Alabama 1.26 1.25 1.31 0.16 0.16 0.18Alaska 1.29 1.50 1.05 0.08 0.10 0.07Arizona 1.37 1.23 1.40 0.16 0.14 0.16Arkansas 1.52 1.37 1.44 0.20 0.17 0.21California 0.95 0.92 0.91 0.11 0.11 0.11Colorado 1.08 1.00 1.02 0.11 0.11 0.11Connecticut 0.84 0.80 0.89 0.10 0.09 0.10Delaware 1.27 1.26 1.06 0.13 0.13 0.11District of Columbia 0.65 0.65 0.57 0.07 0.07 0.06Florida 1.42 1.24 1.25 0.19 0.17 0.17Georgia 1.21 1.04 1.08 0.18 0.15 0.16Hawaii 0.91 0.93 1.01 0.08 0.07 0.08Idaho 1.30 1.15 1.34 0.12 0.11 0.13Illinois 0.95 0.88 0.94 0.10 0.09 0.10Indiana 1.04 0.94 1.00 0.14 0.13 0.15Iowa 0.96 1.02 1.00 0.09 0.09 0.09Kansas 1.13 1.25 1.16 0.14 0.16 0.14Kentucky 1.56 1.40 1.36 0.19 0.17 0.16Louisiana 1.51 1.53 1.47 0.19 0.20 0.18Maine 1.07 0.92 1.03 0.15 0.11 0.13Maryland 0.89 0.78 0.82 0.13 0.11 0.12Massachusetts 0.52 0.57 0.58 0.06 0.07 0.07Michigan 0.98 0.93 1.00 0.12 0.11 0.12Minnesota 0.72 0.63 0.68 0.08 0.07 0.08Mississippi 1.70 1.54 1.58 0.33 0.30 0.30Missouri 1.21 1.08 1.09 0.16 0.15 0.13Montana 1.81 1.58 1.90 0.15 0.14 0.17Nebraska 1.22 1.15 1.09 0.13 0.12 0.11Nevada 1.25 1.15 1.06 0.14 0.13 0.12New Hampshire 0.87 0.73 1.05 0.09 0.08 0.10New Jersey 0.75 0.74 0.73 0.10 0.08 0.08New Mexico 1.09 1.51 1.24 0.17 0.21 0.17New York 0.88 0.80 0.92 0.11 0.10 0.12North Carolina 1.23 1.19 1.23 0.18 0.17 0.17North Dakota 1.31 1.28 1.47 0.15 0.16 0.18Ohio 0.98 0.89 0.88 0.11 0.10 0.10Oklahoma 1.35 1.40 1.41 0.22 0.20 0.20Oregon 1.24 1.03 0.93 0.13 0.11 0.09Pennsylvania 1.19 1.20 1.22 0.12 0.12 0.12Rhode Island 0.57 0.68 0.84 0.05 0.06 0.08South Carolina 1.89 1.65 1.57 0.24 0.21 0.20South Dakota 1.43 1.47 1.48 0.13 0.14 0.15Tennessee 1.25 1.33 1.40 0.18 0.18 0.19Texas 1.36 1.46 1.38 0.16 0.17 0.17Utah 0.93 0.93 0.81 0.13 0.12 0.11Vermont 0.78 0.62 0.97 0.09 0.08 0.12Virginia 0.91 0.87 0.92 0.11 0.10 0.11Washington 0.95 0.80 0.76 0.09 0.07 0.07West Virginia 1.35 1.42 1.73 0.17 0.18 0.24Wisconsin 0.91 0.84 0.91 0.11 0.10 0.11Wyoming 1.51 1.59 0.93 0.18 0.19 0.11Countrywide 1.13 1.08 1.09 0.14 0.13 0.13Source: Federal Highway Administration

Table 33Traffic Conditions 2013-2015

Per 100 Million Vehicle Miles Per 1,000 Registered VehiclesFatal Accident Rates



STATE 2015 2014 2013 2015 2014 2013Alabama 659,259 643,677 638,729 12,725 12,505 13,931Alaska 312,808 308,793 309,213 6,442 6,321 6,434Arizona 983,711 954,839 911,886 11,892 11,583 11,668Arkansas 340,100 331,634 329,476 13,019 12,668 14,290California 1,713,383 1,475,882 1,883,175 11,734 11,942 12,082Colorado 568,373 552,007 530,326 10,477 10,574 10,440Connecticut 1,468,582 1,450,173 1,440,853 11,466 11,231 11,192Delaware 1,547,902 1,497,800 1,455,942 10,608 10,349 10,146District of Columbia 2,360,929 2,347,031 2,349,259 11,168 10,694 10,734Florida 1,687,458 1,642,608 1,578,391 13,326 13,450 13,211Georgia 921,746 874,838 850,217 14,880 14,020 14,426Hawaii 2,312,086 2,292,036 2,279,695 8,523 7,534 7,804Idaho 325,666 330,335 332,349 9,317 9,522 9,819Illinois 721,501 719,709 722,657 10,267 10,446 10,700Indiana 816,176 819,082 802,753 13,539 13,680 14,623Iowa 289,762 275,141 276,512 9,620 9,214 9,424Kansas 223,094 218,612 214,720 12,361 12,556 11,946Kentucky 609,519 601,310 590,420 12,045 11,873 11,983Louisiana 784,456 785,616 777,470 12,721 12,790 12,426Maine 638,527 624,083 617,488 13,942 12,512 12,438Maryland 1,795,278 1,764,374 1,748,431 14,347 14,371 15,182Massachusetts 1,626,927 1,581,804 1,548,288 12,089 11,820 11,586Michigan 800,118 796,376 778,869 12,175 12,377 12,004Minnesota 413,605 413,606 410,572 11,404 11,512 11,435Mississippi 519,565 521,152 515,970 19,549 19,369 18,951Missouri 546,699 538,970 526,600 13,303 13,691 12,324Montana 164,585 162,132 160,579 8,527 8,672 8,790Nebraska 212,751 208,938 206,054 10,440 10,349 10,529Nevada 590,555 590,959 614,101 11,566 11,667 11,559New Hampshire 811,343 804,017 801,535 10,714 10,510 9,663New Jersey 1,929,970 1,917,379 1,896,790 13,030 11,132 10,787New Mexico 397,219 370,292 354,466 15,587 13,583 13,805New York 1,112,492 1,125,916 1,130,822 12,372 12,244 12,560North Carolina 1,052,147 1,016,059 990,682 14,455 14,060 13,810North Dakota 115,189 120,697 115,984 11,782 12,611 12,479Ohio 924,726 917,657 914,592 11,197 11,222 11,324Oklahoma 423,320 423,338 424,990 16,686 14,077 14,400Oregon 489,484 471,020 473,208 10,347 10,394 9,592Pennsylvania 840,574 832,076 822,338 9,891 9,881 9,804Rhode Island 1,295,458 1,273,764 1,273,362 9,287 9,217 9,471South Carolina 678,375 654,399 739,616 12,783 12,793 12,647South Dakota 112,918 111,716 110,489 9,453 9,780 9,825Tennessee 801,684 756,959 743,881 14,079 13,569 13,439Texas 823,106 775,124 780,662 12,018 11,897 12,395Utah 639,407 597,023 583,848 13,767 13,270 13,533Vermont 513,165 495,800 498,810 11,715 12,122 12,205Virginia 1,100,761 1,081,222 1,080,520 11,726 11,628 11,771Washington 742,517 713,116 693,910 9,193 9,401 9,279West Virginia 511,391 493,227 496,323 12,754 12,780 13,783Wisconsin 538,029 521,242 516,621 12,073 11,871 11,861Wyoming 331,599 326,428 320,734 12,241 11,985 11,649Countrywide 745,024 724,348 726,121 12,138 12,010 12,075Source: Federal Highway Administration

Table 34

Traffic Conditions 2013-2015

Vehicle Miles Per Highway Mile Vehicle Miles Per Registered VehicleTraffic 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 2.74 thefts per 1,000 registered vehicles in 2014 to 2.78 thefts per 1,000 registered vehicles in 2015.

Theft data were obtained from the FBI, Uniform Crime Reports (2013–2015). Registered vehicle numbers were obtained from the Federal Highway Administration, Highway Statistics (2013–2015).


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STATE 2015 2014 2013Alabama 1.96 1.93 2.26Alaska 2.61 2.26 2.25Arizona 3.07 3.25 3.36Arkansas 2.15 2.09 2.42California 5.98 5.45 6.06Colorado 3.32 2.71 2.79Connecticut 2.30 2.20 2.25Delaware 1.26 1.37 1.45District of Columbia 10.25 11.47 9.84Florida 2.62 2.85 2.39Georgia 3.34 3.38 3.54Hawaii 4.78 2.87 2.85Idaho 1.05 0.98 0.94Illinois 1.72 1.74 2.13Indiana 2.32 2.39 2.65Iowa 1.26 1.22 1.26Kansas 2.74 2.82 2.63Kentucky 1.93 1.56 1.54Louisiana 2.57 2.62 2.38Maine 0.78 0.70 0.80Maryland 3.28 3.34 3.59Massachusetts 1.65 1.70 1.88Michigan 1.96 2.69 3.10Minnesota 1.59 1.68 1.60Mississippi 2.08 2.22 2.15Missouri 3.14 3.16 2.90Montana 1.67 1.46 1.35Nebraska 2.08 2.35 2.43Nevada 5.06 4.70 4.69New Hampshire 0.73 0.69 0.70New Jersey 2.04 1.74 1.99New Mexico 4.84 3.37 3.25New York 1.49 1.49 1.50North Carolina 1.74 1.77 1.92North Dakota 1.86 1.82 1.75Ohio 1.70 1.79 1.96Oklahoma 3.65 3.12 3.36Oregon 3.03 2.87 2.81Pennsylvania 1.19 1.29 1.37Rhode Island 1.65 2.20 2.72South Carolina 3.21 3.31 3.25South Dakota 1.20 1.07 1.01Tennessee 2.36 2.36 2.24Texas 3.14 3.35 3.33Utah 4.05 3.51 3.74Vermont 0.29 0.42 0.57Virginia 1.15 1.10 1.24Washington 4.14 4.96 4.61West Virginia 1.44 1.27 1.37Wisconsin 2.14 1.96 1.47Wyoming 0.76 0.76 0.72Countrywide 2.78 2.74 2.83Sources: Federal Bureau of Investigation and Federal Highway Administration

Number of Thefts per 1,000 Registered Vehicles

Table 35

Crime 2013-2015Vehicle 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 increased from 90 persons per square mile in 2014 to 91 persons per square mile in 2015. Per capita disposable personal income increased from $40,859 in 2014 to $42,398 in 2015. 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.


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% of Population inSTATE 2015 2014 2013 Metro Areas, 2010Alabama 96 96 95 71.5%Alaska 1 1 1 67.4%Arizona 60 59 58 92.5%Arkansas 57 57 57 60.3%California 251 248 246 97.7%Colorado 52 52 51 86.3%Connecticut 742 742 743 91.4%Delaware 484 480 475 78.0%District of Columbia 11,028 10,803 10,642 100.0%Florida 378 371 365 94.1%Georgia 177 175 174 81.0%Hawaii 222 221 219 70.1%Idaho 20 20 20 65.6%Illinois 232 232 232 87.0%Indiana 185 184 183 78.3%Iowa 56 56 55 56.5%Kansas 36 35 35 68.3%Kentucky 112 112 111 58.2%Louisiana 108 108 107 74.6%Maine 43 43 43 58.4%Maryland 618 615 611 94.6%Massachusetts 871 865 860 99.6%Michigan 175 175 175 81.3%Minnesota 69 68 68 74.9%Mississippi 64 64 64 44.9%Missouri 88 88 88 74.5%Montana 7 7 7 35.2%Nebraska 25 24 24 58.7%Nevada 26 26 25 90.1%New Hampshire 149 148 148 62.2%New Jersey 1,218 1,214 1,210 100.0%New Mexico 17 17 17 66.6%New York 421 418 417 91.9%North Carolina 207 204 202 70.3%North Dakota 11 11 10 48.4%Ohio 284 284 283 80.6%Oklahoma 57 57 56 64.2%Oregon 42 41 41 77.7%Pennsylvania 286 286 286 84.1%Rhode Island 1,021 1,020 1,018 100.0%South Carolina 163 161 159 76.5%South Dakota 11 11 11 45.3%Tennessee 160 159 158 73.4%Texas 105 103 101 87.8%Utah 36 36 35 88.6%Vermont 68 68 68 33.8%Virginia 212 211 209 86.1%Washington 108 106 105 87.7%West Virginia 77 77 77 55.7%Wisconsin 106 106 106 72.8%Wyoming 6 6 6 29.7%Countrywide 91 90 90 83.7%Source: U.S. Bureau of the Census

Table 36

Economic / Demographic Data 2013-2015

Persons per Square MilePopulation Densities



STATE 2015 2014 2013Alabama 34,538 33,535 32,436Alaska 51,304 49,756 46,858Arizona 35,631 34,321 32,954Arkansas 35,222 33,929 32,488California 46,720 43,978 41,945Colorado 45,338 43,609 41,098Connecticut 57,183 56,186 53,939Delaware 41,602 40,256 38,879District of Columbia 62,404 59,936 56,573Florida 40,334 38,350 36,606Georgia 36,341 34,558 33,100Hawaii 43,503 41,801 40,094Idaho 34,994 33,600 32,312Illinois 44,032 42,256 40,619Indiana 37,423 36,364 35,163Iowa 40,875 39,820 38,676Kansas 42,113 41,634 41,140Kentucky 34,338 33,237 31,951Louisiana 38,912 37,787 36,244Maine 38,314 37,049 35,588Maryland 48,452 46,875 45,664Massachusetts 52,758 50,366 48,504Michigan 38,125 36,419 34,854Minnesota 43,906 42,516 40,905Mississippi 31,857 31,365 30,580Missouri 37,598 36,690 35,616Montana 37,839 36,041 35,296Nebraska 44,363 43,277 41,110Nevada 38,622 36,477 34,856New Hampshire 48,723 48,280 46,651New Jersey 51,642 49,983 47,972New Mexico 34,473 33,358 31,573New York 48,356 47,446 45,710North Carolina 36,595 35,099 33,710North Dakota 49,812 51,311 49,309Ohio 38,873 37,490 36,168Oklahoma 39,740 40,879 38,623Oregon 38,539 36,445 34,553Pennsylvania 43,783 42,414 40,840Rhode Island 44,009 42,585 41,139South Carolina 34,836 33,295 31,830South Dakota 43,470 41,825 40,747Tennessee 38,488 36,909 35,668Texas 42,019 41,090 39,031Utah 35,251 33,566 32,176Vermont 43,852 42,267 40,990Virginia 45,446 43,904 42,474Washington 47,278 45,143 42,975West Virginia 32,946 32,277 31,312Wisconsin 40,582 39,433 37,835Wyoming 50,319 49,918 46,848Countrywide 42,398 40,859 39,192Source: Bureau of Economic Analysis

Per Capita Disposable Personal Income

Table 37

Economic / Demographic Data 2013-2015Disposable 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) thepreviously 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.

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.


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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.


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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 afterfiling. May, by rule, specify rates be filed 30 daysbefore 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.


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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”.


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****** 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). 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. 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.


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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.


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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.


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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). Note that effective 7/1/2018 liability limits change 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


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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: §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.

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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: Seatbelt enforcement became primary in May 2006. Arkansas: Seatbelt enforcement became primary in March 2009. California: Seatbelt fine for 1st offense ($50 for subsequent offenses); applicable for passengers aged 16/over.


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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. Seatbelt 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: Seatbelt 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 seatbelts in all seating positions; drivers and front seat passengers to wear seatbelts. 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: Seatbelt enforcement is primary for front seat passenger and/or child under the age of 7.

Montana: Seatbelt enforcement is primary for children under 6; Secondary for all others

New Jersey: Seatbelt 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: Seatbelt enforcement is primary for minors and secondary for adults.

South Dakota: Seatbelt enforcement is primary for children 17 and younger.

Utah: Seatbelt enforcement is primary for ages 16–19 and secondary for those 19 and older.

Virginia: Seatbelt 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.


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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 measureable 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 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 fifteen one-hundredths of one percent or more. The arresting officer must issue a notice of suspension which is effective beginning on the date of the alleged violation of Section 56-5-2930, 56-5-2933, or 56-5-2945. See code section 56-1-286 regarding alcohol 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. New Jersey: Maximum speed limits listed are those allowed by law on highways in the state. However,


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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.

Oklahoma: HB 3167 removed the 75 mph maximum speed effective 11/1/16. If state approves limits above 75 those can be in place.

Pennsylvania: The speed limit is 70 effective the summer of 2014.

South Dakota: Prior to 2015, 75 mph interstate only. Effective 2015, 80mph - interstate only.

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.

Wyoming: The speed limit 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 ban for novice is for 16 year old drivers and 17 year-old drivers with 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).

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 ban novice driver 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 ban for novice drivers refers to drivers with a learner or intermediate driver license.


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Tennessee: All cell phone use ban for novice drivers refers to drivers with a learner or intermediate driver license. Hand-held ban in school zones.

Texas: Hand-held ban in school zones only.

Washington: All cell phone use ban for novice drivers refers to drivers with a learner or intermediate driver license.

West Virginia: All cell phone ban novice driver refers to drivers under 18 years of age that have a learner or provisional license.

Wisconsin: All cell phone use ban for novice drivers refers to drivers 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.


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STATE Current Law NotesAlabama Prior Approval Alaska File and Use/Flex Prior Approval for PPA assigned risk plans; Effective 11/2/2005Arizona Use and File Arkansas File and Use California Prior Approval Colorado File and Use

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 District of Columbia File and Use

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."

Georgia Prior Approval *Prior Approval for statutory coverages only; all other coverages will be file and useHawaii Prior Approval Idaho Use and File Bulletin 91-1Illinois Use and File Indiana File and Use Iowa Use and File Kansas Flex Rating 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 304.20-040

Louisiana Prior Approval Effective 1/1/2008 - Prior Approval with 45 day deemer

Maine File and Use Statute contains a deemer provision but doesn't specifically require approval

Maryland File and Use Massachusetts File and Use Companies may file group marketing plan deviations

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.

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.

Mississippi Prior Approval Missouri Use and File Montana File and Use Rates must be filed prior to use with supporting data.Nebraska File and Use Nevada Prior Approval New Hampshire File and Use Prior approval for non-competitive marketNew Jersey Prior Approval New Mexico File and Use Effective 10/01/2007New York Prior Approval Flex Rating +/- 5%North Carolina Prior Approval

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.

Ohio File and Use Oklahoma Use and File Under the jurisdiction of the Oklahoma Insurance Commissioner.Oregon File and Use Pennsylvania Prior Approval Rhode 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

South Dakota File and Use No changeTennessee Prior Approval/Flex TCA § 56-5-302 (2011)Texas File and Use Utah Use and File

Vermont Use and File Open competition state. Rates must be filed and can be disapproved for lack of supporting information.

Virginia File and Use Washington Prior Approval West Virginia Prior Approval Wisconsin Use and File Wyoming No File Must be produced upon commissioner's request.Source: State Insurance Departments*Current year is 2018

Rate Filings Laws for Private Passenger Auto Insurance

Table 38AState Laws

Rate Filing Laws, Current



STATE Current 2015 2014 2013Alabama 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 FileKansas Flex Rating Flex Rating Flex Rating Flex RatingKentucky Flex Rating Flex Rating Flex Rating Flex RatingLouisiana Prior Approval Prior Approval Prior Approval Prior ApprovalMaine 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/Flex South 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* See NarrativeSource: State Insurance Departments**Current year is 2018

Rate Filings Laws for Private Passenger Auto Insurance

Table 38B

State LawsRate Filing Laws, 2013-2015 and Current



STATE Current Law Notes

Alabama Prior Approval Alaska Prior Approval; File and Use Effective 11/2/2005

Arizona File and Use 30-day waiting period

Arkansas Prior Approval California Prior Approval Forms with rating impact must be filed under the prior approval laws.

Colorado File and Use Forms are certified 31 days prior to the effective date and use of the form. The actual form does

not have to be submitted. This requirement is found in Section 10-4-633, C.R.S.

Connecticut File and Use Delaware File and Use District of Columbia Prior Approval Florida Prior Approval Georgia Prior Approval Hawaii Prior Approval Idaho File and Use 41-1812

Illinois File and Use Indiana File and Use Iowa Prior Approval

Kansas File and Use Change from Prior Approval to File & Use effective July 1, 2005; File and Use effective 7/1/06 -

There is a 30 day waiting period before the form can be put into effect.

Kentucky Prior Approval per KRS 304.20-040

Louisiana Prior Approval 45 day deemer

Maine Prior Approval Statute contains a deemer provision.

Maryland Prior Approval Massachusetts Prior Approval Generally file and use

Michigan Prior Approval All new and revised personal automobile forms must be filed for approval.

Minnesota Prior Approval Prior Approval - also see Bulletin 2005-2 for expedited review

Mississippi Prior Approval

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.

Montana Prior Approval MCA § 33-1-501

Nebraska File and Use Nevada Prior Approval New Hampshire Prior Approval New Jersey Prior Approval New Mexico Prior Approval New York Prior Approval North Carolina Prior Approval North Dakota Prior Approval Ohio File and Use

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

Oregon Prior Approval Pennsylvania Prior Approval Rhode Island Prior Approval South Carolina Prior Approval South Dakota Prior Approval No change

Tennessee Prior Approval

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 Vermont Prior Approval

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.

Washington Prior Approval West Virginia Prior Approval Wisconsin File and Use Effective 7/1/2008

Wyoming Prior Approval Source: State Insurance Departments*Current year is 2018

Form Filings Laws for Private Passenger Auto Insurance

Table 39A

State LawsForm Filing Laws, Current



STATE Current 2015 2014 2013Alabama 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 File and Use File and Use File and Use File and UseArkansas Prior Approval Prior Approval Prior Approval Prior ApprovalCalifornia Prior Approval Prior Approval Prior Approval Prior ApprovalColorado* File and Use File and Use File and Use File and UseConnecticut 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 File and Use File and Use File and Use File and UseKentucky 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* See Narrative

Source: State Insurance Departments

**Current year is 2018

Form Filings Laws for Private Passenger Auto Insurance

Table 39B

State LawsForm Filing Laws, 2013-2015 and Current



STATE 2015 2014 2013 2015 2014 2013Alabama 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 No-fault 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 $3,000Vermont Tort Tort Tort None NoneVirginia Tort Tort Tort None NoneWashington Add-on Add-on Add-on None NoneWest Virginia Tort Tort Tort None NoneWisconsin Add-on Add-on Add-on None NoneWyoming Tort Tort Tort

$3,000 None None None None None None None None

* See Narrative

Source: State Insurance Departments

Table 40

State Laws

State Law Type Tort Threshold

Tort Laws and Thresholds, 2013-2015



STATE 2015 2014 2013 2015 2014 2013Alabama 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 20/40/15 20/40/15Indiana No No No 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 25/50/10 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 No No No 25/50/25 25/50/25 12.5/25/7.5Oklahoma 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 No No No 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 20/40/10 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 NarrativeSource: State Insurance Departments

Table 41

State Laws

Compulsory Liability Insurance Liability LimitsLiability Insurance Laws, 2013-2015



STATE 2015 2014 2013 2015 2014 2013Alabama No No No Yes Yes YesAlaska No No No Yes* Yes* Yes*Arizona No No No No No NoArkansas Yes Yes Yes Yes Yes YesCalifornia No No No Yes Yes YesColorado No No No Yes Yes YesConnecticut 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 YesGeorgia No No No Yes Yes YesHawaii Yes Yes Yes Yes Yes YesIdaho No No No Yes Yes YesIllinois No No No Yes Yes YesIndiana No No No No No NoIowa No No No Yes Yes YesKansas Yes Yes Yes Yes Yes YesKentucky Yes Yes Yes Yes Yes YesLouisiana No No No Yes Yes YesMaine 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 YesNebraska No No No Yes Yes YesNevada No No No Yes Yes YesNew 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 No 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 YesTexas Yes* Yes* Yes* Yes* Yes* Yes*Utah Yes Yes Yes Yes Yes YesVermont No No No Yes Yes YesVirginia No No No Yes Yes YesWashington Yes Yes Yes Yes Yes YesWest 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** See Narrative

Table 42

State Laws

Compulsory Personal Injury Protection Compulsory Uninsured Motorist LiabilityPersonal Injury Protection and Uninsured Motorist Laws, 2013-2015



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 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.

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 9/1/1989 Primary $15 fine; front seat only

Hawaii 12/16/1985 Primary $45 per violation + $10 surcharge (neurotrauma special fund) + $10 surcharge (trauma

system special fund)

Idaho 7/1/1986 Secondary $10 fine; all seats

Illinois 7/1/1985 Primary $25 fine; front and rear seat passenger required

Indiana 7/1/1987 Primary $25 fine; all occupants

Iowa 7/1/1986 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 12/27/1995 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

seatbelts.

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 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 mitigation 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.

2015

Table 43

State LawsAutomobile Seat Belt Laws



Speed Limits

STATE Admin. License Suspension BAC Threshold Maximum Speed LimitAlabama Yes 0.08 70Alaska Yes 0.08 65Arizona Yes 0.08 75Arkansas Yes 0.08 70California Yes 0.08 70Colorado Yes 0.08 75Connecticut Yes 0.08 65Delaware Yes 0.08 65District of Columbia Yes 0.08 55Florida Yes 0.08 70Georgia Yes 0.08 70Hawaii Yes 0.08 60Idaho Yes 0.08 80Illinois Yes 0.08 70Indiana Yes 0.08 70Iowa Yes 0.08 70Kansas Yes 0.08 70Kentucky Yes 0.08 70Louisiana Yes 0.08 70Maine Yes 0.08 75Maryland Yes 0.08 70Massachusetts Yes 0.08 65Michigan No 0.08 70Minnesota Yes 0.08 70Mississippi Yes 0.08 70Missouri Yes 0.08 70Montana Yes 0.08 75Nebraska Yes 0.08 75Nevada Yes 0.08 75New Hampshire Yes 0.08 70New Jersey No 0.08 65New Mexico Yes 0.08 75New York No 0.08 65North Carolina Yes 0.08 70North Dakota Yes 0.08 75Ohio Yes 0.08 70Oklahoma Yes 0.08 75Oregon Yes 0.08 65Pennsylvania No 0.08 70Rhode Island Yes 0.08 65South Carolina Yes 0.08 70South Dakota No 0.08 80Tennessee Yes 0.08 70Texas Yes 0.08 70Utah Yes 0.08 75Vermont Yes 0.08 65Virginia Yes 0.08 70Washington Yes 0.08 70West Virginia Yes 0.08 70Wisconsin Yes 0.08 70Wyoming Yes 0.08 80* See NarrativeSource: State Insurance Departments

Table 44

State LawsDrunk Driving Laws and Speed Limits, 2015

Drunk Driving Laws



STATE Law Type Enforcement Law Type Enforcement Law Type EnforcementAlabama Yes Primary No n/a Yes- Novice PrimaryAlaska Yes Primary No n/a No n/aArizona Yes* Secondary No n/a No n/aArkansas Yes Primary Yes* Primary Yes- under 18 SecondaryCalifornia Yes Primary Yes Primary Yes- under 18 SecondaryColorado Yes Primary No n/a Yes- under 18 PrimaryConnecticut Yes Primary Yes Primary Yes- under 18 PrimaryDelaware Yes Primary Yes Primary Yes- Novice PrimaryDistrict of Columbia Yes Primary Yes Primary Yes- Novice PrimaryFlorida Yes Secondary No n/a No n/aGeorgia Yes Primary Yes Primary No n/aHawaii Yes Primary Yes Primary Yes- under 18 PrimaryIdaho Yes Primary No n/a No n/aIllinois Yes Primary Yes Primary Yes- under 19 PrimaryIndiana Yes Primary No n/a Yes- under 21 PrimaryIowa Yes Primary No n/a Yes- Novice PrimaryKansas Yes Primary No n/a Yes- Novice PrimaryKentucky Yes Primary No n/a Yes- under 18 PrimaryLouisiana Yes Primary Yes- Novice Primary Yes- Novice Primary under 18Maine Yes Primary No n/a Yes- under 18 PrimaryMaryland Yes Primary Yes Primary Yes- under 18 PrimaryMassachusetts Yes Primary No n/a Yes- under 18 PrimaryMichigan Yes Primary No n/a Yes- Novice PrimaryMinnesota Yes Primary No n/a Yes- Novice PrimaryMississippi Yes Primary No n/a No n/aMissouri Yes- under 21 Primary No n/a No n/aMontana Yes Primary No n/a No n/aNebraska Yes Secondary No n/a Yes- Novice SecondaryNevada Yes Primary Yes Primary No n/aNew Hampshire Yes Primary Yes Primary Yes- under 18 PrimaryNew Jersey Yes Primary Yes Primary Yes- Novice PrimaryNew Mexico Yes Primary Yes* n/a Yes- Novice PrimaryNew York Yes Primary Yes Primary No n/aNorth Carolina Yes Primary No n/a Yes- under 18 PrimaryNorth Dakota Yes Primary No n/a Yes- under 18 PrimaryOhio Yes Secondary No n/a Yes- under 18 PrimaryOklahoma Yes Primary Yes* Primary No n/aOregon Yes Primary Yes Primary Yes- under 18 PrimaryPennsylvania Yes Primary No n/a No n/aRhode Island Yes Primary Yes Primary Yes- under 18 PrimarySouth Carolina Yes Primary No n/a No n/aSouth Dakota Yes Secondary No n/a Yes- Novice SecondaryTennessee Yes Primary In School Zones n/a Yes- Novice PrimaryTexas Yes Primary In School Zones n/a Yes- under 18 PrimaryUtah Yes Primary No n/a Yes- under 18 PrimaryVermont Yes Primary Yes Primary Yes- under 18 PrimaryVirginia Yes Primary No n/a Yes- under 18 SecondaryWashington Yes Primary Yes Primary Yes- Novice PrimaryWest Virginia Yes Primary Yes Primary Yes- under 18 PrimaryWisconsin Yes Primary No n/a Yes- Novice PrimaryWyoming Yes Primary No 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 07/2018

Table 45

State LawsDistracted Driving Laws - Current

Text Messaging Ban? Hand-held Ban? All Cell Phone Use Banned?


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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 (2013–2015).

Vehicle miles, roadway miles and registered vehicle miles were obtained from the Federal Highway Administration, Highway Statistics (2013–2015).


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Land Area Metro PopulationSTATE Square Miles 2015 2014 2013 2010Alabama 50,645 4,850,858 4,843,214 4,829,479 3,415,430Alaska 570,641 737,979 736,705 736,879 478,402Arizona 113,594 6,802,262 6,719,993 6,624,617 5,914,541Arkansas 52,035 2,975,626 2,966,912 2,958,663 1,757,367California 155,779 39,032,444 38,680,810 38,335,203 36,408,727Colorado 103,642 5,440,445 5,349,648 5,267,603 4,341,903Connecticut 4,842 3,593,862 3,591,873 3,596,003 3,265,742Delaware 1,949 944,107 934,948 925,395 700,789District of Columbia 61 672,736 659,005 649,165 601,723Florida 53,625 20,268,567 19,888,741 19,582,022 17,689,964Georgia 57,513 10,199,533 10,087,231 9,984,938 7,847,658Hawaii 6,423 1,426,320 1,416,349 1,406,481 953,207Idaho 82,643 1,649,324 1,633,532 1,612,011 1,028,136Illinois 55,519 12,862,051 12,867,544 12,879,505 11,159,069Indiana 35,826 6,610,596 6,595,233 6,569,102 5,078,745Iowa 55,857 3,118,473 3,108,030 3,091,930 1,721,714Kansas 81,759 2,905,789 2,899,360 2,892,821 1,949,129Kentucky 39,486 4,422,057 4,413,057 4,400,477 2,523,770Louisiana 43,204 4,671,211 4,647,880 4,626,402 3,380,738Maine 30,843 1,327,787 1,330,719 1,329,076 775,723Maryland 9,707 6,000,561 5,967,295 5,931,129 5,463,187Massachusetts 7,800 6,794,002 6,749,911 6,706,786 6,520,922Michigan 56,539 9,918,170 9,915,767 9,898,982 8,033,066Minnesota 79,627 5,483,238 5,453,109 5,418,521 3,971,551Mississippi 46,923 2,985,297 2,992,400 2,990,482 1,331,025Missouri 68,742 6,072,640 6,060,930 6,042,711 4,463,547Montana 145,546 1,028,317 1,022,867 1,014,314 348,676Nebraska 76,824 1,893,564 1,881,145 1,868,559 1,071,368Nevada 109,781 2,883,057 2,833,013 2,786,464 2,431,960New Hampshire 8,953 1,330,134 1,328,743 1,322,687 819,087New Jersey 7,354 8,960,001 8,925,001 8,899,162 8,791,894New Mexico 121,298 2,082,264 2,083,024 2,085,193 1,370,524New York 47,126 19,819,347 19,718,515 19,673,546 17,814,883North Carolina 48,618 10,041,769 9,934,399 9,841,590 6,704,358North Dakota 69,001 754,859 739,904 724,019 325,418Ohio 40,861 11,606,027 11,594,408 11,570,022 9,299,425Oklahoma 68,595 3,904,353 3,877,499 3,852,415 2,407,338Oregon 95,988 4,016,537 3,968,371 3,925,751 2,978,551Pennsylvania 44,743 12,791,124 12,790,565 12,781,338 10,685,735Rhode Island 1,034 1,055,916 1,054,480 1,053,033 1,052,567South Carolina 30,061 4,892,423 4,828,430 4,767,894 3,536,094South Dakota 75,811 854,036 852,561 844,922 369,042Tennessee 41,235 6,590,726 6,544,663 6,494,821 4,659,762Texas 261,232 27,454,880 26,944,751 26,473,525 22,085,169Utah 82,170 2,984,917 2,941,836 2,902,663 2,448,962Vermont 9,217 624,455 626,984 627,140 211,261Virginia 39,490 8,366,767 8,317,372 8,262,692 6,887,509Washington 66,456 7,152,818 7,054,196 6,968,006 5,900,385West Virginia 24,038 1,839,767 1,848,514 1,853,231 1,032,750Wisconsin 54,158 5,759,744 5,758,377 5,742,854 4,142,082Wyoming 97,093 586,102 583,642 582,684 167,188Countrywide 3,531,907 321,039,839 318,563,456 316,204,908 258,317,763Source: U.S. Bureau of the Census

Appendix 1A

Population, Traffic and Vehicle Data, 2013-2015Land Area and Population

Population



STATE 2015 2014 2013 2015 2014 2013Alabama 5,285,305 5,251,076 4,669,135 10,335 10,141 10,571Alaska 783,169 768,343 753,618 2,046 1,739 1,695Arizona 5,469,509 5,407,097 5,192,690 16,785 17,587 17,438Arkansas 2,680,410 2,685,739 2,343,763 5,772 5,601 5,678California 28,595,129 27,872,875 27,275,077 170,993 151,852 165,292Colorado 4,813,966 4,632,430 4,498,861 16,000 12,574 12,533Connecticut 2,755,233 2,777,128 2,764,484 6,338 6,110 6,222Delaware 936,137 927,276 917,386 1,181 1,267 1,332District of Columbia 318,515 329,881 328,603 3,264 3,783 3,234Florida 15,532,254 14,946,691 14,586,283 40,661 42,579 34,912Georgia 7,937,211 7,955,532 7,580,213 26,482 26,854 26,826Hawaii 1,208,515 1,350,438 1,294,128 5,779 3,879 3,684Idaho 1,788,384 1,696,496 1,627,513 1,871 1,661 1,536Illinois 10,249,044 10,042,205 9,841,120 17,652 17,451 20,933Indiana 5,821,744 5,789,940 5,355,396 13,519 13,861 14,204Iowa 3,447,049 3,409,279 3,357,469 4,342 4,151 4,246Kansas 2,538,531 2,445,861 2,528,676 6,957 6,906 6,641Kentucky 4,040,964 4,037,625 3,921,927 7,782 6,318 6,032Louisiana 3,787,356 3,772,692 3,843,396 9,741 9,891 9,160Maine 1,049,337 1,143,038 1,136,020 814 799 914Maryland 4,008,847 3,926,807 3,733,966 13,151 13,102 13,418Massachusetts 4,901,772 4,869,170 4,860,326 8,069 8,260 9,122Michigan 8,036,643 7,867,924 7,925,076 15,764 21,157 24,567Minnesota 5,032,709 4,985,782 4,982,231 7,981 8,367 7,966Mississippi 2,040,524 2,039,332 2,045,102 4,243 4,519 4,388Missouri 5,406,274 5,179,102 5,635,933 16,999 16,357 16,325Montana 1,447,797 1,401,936 1,368,846 2,418 2,043 1,850Nebraska 1,925,361 1,895,110 1,835,029 4,001 4,455 4,463Nevada 2,241,530 2,168,617 2,132,421 11,351 10,185 9,998New Hampshire 1,222,146 1,234,098 1,335,324 891 857 940New Jersey 5,786,113 6,724,137 6,909,232 11,778 11,705 13,747New Mexico 1,760,197 1,866,108 1,817,145 8,526 6,290 5,905New York 10,283,907 10,557,410 10,329,017 15,313 15,736 15,482North Carolina 7,740,051 7,682,387 7,618,361 13,435 13,630 14,606North Dakota 851,795 833,484 809,353 1,583 1,514 1,416Ohio 10,152,367 10,048,588 9,958,101 17,229 18,015 19,532Oklahoma 2,859,419 3,388,401 3,333,129 10,450 10,583 11,214Oregon 3,479,174 3,329,712 3,514,028 10,547 9,549 9,862Pennsylvania 10,205,304 10,108,442 10,060,200 12,134 13,040 13,770Rhode Island 843,346 832,892 820,900 1,389 1,833 2,233South Carolina 4,046,410 3,902,945 3,873,259 12,970 12,902 12,580South Dakota 986,370 943,245 928,463 1,188 1,007 938Tennessee 5,445,863 5,330,937 5,288,113 12,870 12,599 11,828Texas 21,477,692 20,431,631 19,727,279 67,485 68,546 65,745Utah 2,150,360 2,076,482 1,995,542 8,707 7,298 7,465Vermont 624,296 582,331 583,012 178 244 334Virginia 7,046,065 6,964,867 6,861,327 8,111 7,665 8,536Washington 6,489,082 6,175,660 6,165,767 26,867 30,647 28,399West Virginia 1,554,579 1,495,914 1,395,374 2,239 1,896 1,916Wisconsin 5,141,549 5,059,004 5,015,381 10,985 9,919 7,388Wyoming 783,979 789,124 799,142 592 603 578Countrywide 255,009,283 251,933,221 247,472,137 707,758 689,527 699,594Sources: Federal Highway Administration and Federal Bureau of Investigation.

Appendix 1B

Population,Traffic and Vehicle Data, 2013-2015

Registered Vehicles Motor Vehicle TheftsVehicles and Vehicle Thefts



STATE 2015 2014 2013 2015 2014 2013Alabama 67,257 65,667 65,046 102,019 102,018 101,837Alaska 5,045 4,857 4,848 16,129 15,728 15,680Arizona 65,045 62,631 60,586 66,122 65,593 66,441Arkansas 34,897 34,024 33,493 102,609 102,595 101,656California 335,539 332,857 329,534 195,834 225,531 174,989Colorado 50,437 48,985 46,968 88,740 88,740 88,565Connecticut 31,592 31,190 30,941 21,512 21,508 21,474Delaware 9,931 9,596 9,308 6,416 6,407 6,393District of Columbia 3,557 3,528 3,527 1,507 1,503 1,501Florida 206,982 201,040 192,702 122,659 122,391 122,088Georgia 118,107 111,535 109,355 128,134 127,492 128,620Hawaii 10,301 10,174 10,099 4,455 4,439 4,430Idaho 16,662 16,154 15,980 51,163 48,902 48,082Illinois 105,223 104,906 105,297 145,840 145,761 145,708Indiana 78,819 79,204 78,311 96,571 96,698 97,553Iowa 33,161 31,414 31,641 114,442 114,173 114,429Kansas 31,379 30,710 30,208 140,654 140,476 140,687Kentucky 48,675 47,941 46,996 79,857 79,727 79,598Louisiana 48,180 48,252 47,758 61,419 61,419 61,427Maine 14,629 14,301 14,129 22,911 22,916 22,882Maryland 57,516 56,432 56,688 32,037 31,984 32,422Massachusetts 59,257 57,552 56,311 36,423 36,384 36,370Michigan 97,843 97,384 95,132 122,286 122,284 122,141Minnesota 57,395 57,395 56,974 138,767 138,767 138,767Mississippi 39,890 39,499 38,758 76,777 75,792 75,116Missouri 71,918 70,909 69,458 131,549 131,564 131,900Montana 12,345 12,157 12,033 75,007 74,983 74,933Nebraska 20,101 19,613 19,322 94,481 93,868 93,770Nevada 25,925 25,302 24,649 43,900 42,815 40,139New Hampshire 13,094 12,970 12,903 16,138 16,132 16,098New Jersey 75,393 74,856 74,530 39,065 39,041 39,293New Mexico 27,435 25,347 25,086 69,069 68,452 70,772New York 127,230 129,263 129,737 114,365 114,807 114,728North Carolina 111,879 108,012 105,213 106,334 106,305 106,202North Dakota 10,036 10,511 10,100 87,128 87,088 87,078Ohio 113,673 112,766 112,767 122,926 122,885 123,297Oklahoma 47,713 47,699 47,999 112,711 112,673 112,940Oregon 35,999 34,610 33,706 73,544 73,479 71,228Pennsylvania 100,945 99,882 98,628 120,091 120,039 119,936Rhode Island 7,833 7,677 7,775 6,046 6,027 6,106South Carolina 51,726 49,931 48,986 76,250 76,301 66,232South Dakota 9,324 9,225 9,122 82,576 82,576 82,558Tennessee 76,670 72,336 71,067 95,637 95,561 95,536Texas 258,122 243,076 244,525 313,596 313,596 313,228Utah 29,604 27,554 27,005 46,299 46,153 46,254Vermont 7,314 7,059 7,116 14,252 14,238 14,266Virginia 82,625 80,985 80,767 75,061 74,901 74,748Washington 59,653 58,060 57,211 80,338 81,417 82,448West Virginia 19,827 19,117 19,232 38,770 38,760 38,750Wisconsin 62,073 60,053 59,486 115,372 115,212 115,145Wyoming 9,597 9,457 9,309 28,942 28,972 29,024Countrywide 3,095,373 3,025,656 2,988,323 4,154,727 4,177,073 4,115,462Source: Federal Highway Administration

Appendix 1C

Population,Traffic and Vehicle Data, 2013-2015

Vehicle Miles (in Millions) Miles of RoadwayVehicle and Roadway Miles


auto insurance database report 2015/2016coverage. auto insurance coverages included are bodily...

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