2020/2021 Auto Insurance Database Report

2020/2021

Auto Insurance

Database Report

January 2024

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2020/2021 AUTO INSURANCE DATABASE

TABLE OF CONTENTS

INTRODUCTION 1

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

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

AVERAGE PREMIUMS AND EXPENDITURES 4

Table 1.

Liability, 2017–2021 ........................................................................................................................ 15

Table 2.

Collision, 2017–2021 ...................................................................................................................... 18

Table 3.

Comprehensive, 2017–2021 ........................................................................................................... 21

Table 4.

Average Expenditure, 2017–2021 .................................................................................................. 24

Table 5.

Combined Average Premium, 2017–2021 ..................................................................................... 25

AUTO

INSURANCE

EARNED

AND

INCURRED

DATA

GENERAL

INFORMATION

26

Technical Notes .......................................................................................................................................................... 27

State-Specific Information .......................................................................................................................................... 29

BODILY

INJURY

LIABILITY

30

Table 6.

Bodily Injury Liability - Voluntary Business, 2018–2020 ................................................................. 33

Table 7.

Bodily Injury Liability - Residual Business, 2018–2020 ................................................................... 37

Table 8.

Bodily Injury Liability - Total Business, 2018–2020 ....................................................................... 41

PROPERTY

DAMAGE

LIABILITY

45

Table 9.

Property Damage Liability - Voluntary Business, 2018–2020 ......................................................... 47

Table 10.

Property Damage Liability - Residual Business, 2018–2020 ........................................................... 51

Table 11.

Property Damage Liability - Total Business, 2018–2020 ................................................................ 55

COMBINED

SINGLE

LIMITS

LIABILITY

59

Table 12.

Combined Single Limits Liability - Voluntary Business, 2018–2020 ............................................... 62

Table 13.

Combined Single Limits Liability - Residual Business, 2018–2020 ................................................. 70

2020/2021 AUTO INSURANCE DATABASE

TABLE OF CONTENTS

Table 14.

Combined Single Limits Liability - Total Business, 2018–2020........................................................ 78

PERSONAL

INJURY

PROTECTION

86

Table 15.

Personal Injury Protection - Voluntary Business, 2018–2020 ......................................................... 89

Table 16.

Personal Injury Protection - Residual Business, 2018–2020 ........................................................... 93

Table 17.

Personal Injury Protection - Total Business, 2018–2020 ................................................................ 97

MEDICAL

PAYMENTS 101

Table 18.

Medical Payments - Voluntary Business, 2018–2020 ................................................................... 103

Table 19.

Medical Payments - Residual Business, 2018–2020 ..................................................................... 107

Table 20.

Medical Payments - Total Business, 2018–2020 .......................................................................... 111

UNINSURED/UNDERINSURED

MOTORIST 115

Table 21.

Uninsured/Underinsured Motorist - Voluntary Business, 2018–2020 ......................................... 118

Table 22.

Uninsured/Underinsured Motorist - Residual Business, 2018–2020 ............................................ 126

Table 23.

Uninsured/Underinsured Motorist - Total Business, 2018–2020 ................................................. 134

TOTAL LIABILITY

142

Table 24.

Total Liability - Voluntary Business, 2018–2020 ........................................................................... 144

Table 25.

Total Liability - Residual Business, 2018–2020 ............................................................................. 147

Table 26.

Total Liability - Total Business, 2018–2020 .................................................................................. 150

COLLISION 153

Table 27.

Collision - Voluntary Business, 2018–2020................................................................................... 155

Table 28.

Collision - Residual Business, 2018–2020 ..................................................................................... 159

Table 29.

Collision - Total Business, 2018–2020 .......................................................................................... 163

COMPREHENSIVE 167

Table 30.

Comprehensive - Voluntary Business, 2018–2020 ....................................................................... 169

2020/2021 AUTO INSURANCE DATABASE

TABLE OF CONTENTS

Table 31.

Comprehensive - Residual Business, 2018–2020 ......................................................................... 173

Table 32.

Comprehensive - Total Business, 2018–2020 ............................................................................... 177

TRAFFIC

CONDITIONS

181

Table 33.

Fatal Accident Rates, 2018–2020 ................................................................................................. 183

Table 34.

Traffic Density, 2018–2020 ......................................................................................................... 184

CRIME 185

Table 35.

Vehicle Thefts, 2018–2020 .......................................................................................................... 187

ECONOMIC / DEMOGRAPHIC DATA 188

Table 36.

Population Densities, 2018–2020 ............................................................................................... 190

Table 37.

Disposable Income, 2018–2020 ................................................................................................... 191

STATE

LAWS

192

Table 38.

Rate Filing Laws, 2018–2020 and Current ..................................................................................... 210

Table 39.

Form Filing Laws, 2018–2020 and Current .................................................................................. 212

Table 40.

Tort Laws and Thresholds, 2018–2020 ........................................................................................ 214

Table 41.

Liability Insurance Laws, 2018–2020 ............................................................................................. 215

Table 42.

Personal Injury Protection and Uninsured Motorist Laws, 2018–2020 ........................................ 216

Table 43.

Automobile Seat Belt Laws, 2020 ................................................................................................ 217

Table 44.

Drunk Driving Laws and Speed Limits, 2020 ................................................................................ 218

Table 45.

Distracted Driving Laws, Current ................................................................................................. 219

APPENDIX 220

Appendix 1A.

Land Area and Population ........................................................................................................... 222

Appendix 1B.

Vehicles and Vehicle Thefts ......................................................................................................... 223

Appendix 1C.

Vehicle and Roadway Miles ......................................................................................................... 224

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 2017-

2021 for the combined voluntary and residual

market. Earned and incurred data for

calendar/accident years 2018-2020 are also

reported, separately, for voluntary and residual

market business. Trends are derived from earned

premiums, earned exposures, incurred losses, and

incurred claims. Definitions of these terms can be

found on Page 2.

For each state, average premium and average

expenditure, pure premium, loss ratio, claim

frequency, and claim severity are calculated by

coverage. Auto insurance coverages included are

bodily injury and property damage liability (including

no-fault), uninsured and underinsured motorist

coverages, medical payments, collision, and

comprehensive.

Narratives at the beginning of each section provide

information about the type of coverage analyzed,

and define the calculations used for the tables in

that section. Any state-specific issues regarding the

coverage or data are also noted in the narratives.

The insurance data were obtained from the

following statistical agents: American Association of

Insurance Services (AAIS); Insurance Services Office

(ISO); National Independent Statistical Service (NISS);

Independent Statistical Service, Inc. (ISS),

Massachusetts Commonwealth Automobile

Reinsurers (M-CAR); and Maryland Auto Insurance

Fund (MAIF). Data were also obtained from the

California Department of Insurance and the Texas

Department of Insurance. The assistance of these

organizations in developing this report is greatly

appreciated. There may be data from other small

statistical agencies that are not included.

Data contained in this report may differ from data

contained in reports from previous years, as the

statistical agents periodically obtain updated

information from insurers.

The other sections of this report provide statistics for

each state on non-insurance characteristics that

would be expected to have some influence on the

cost of personal automobile insurance. In reviewing

these data and making interstate comparisons, it is

important to keep in mind that auto insurance

premiums ultimately reflect a complex set of state-

specific factors related to the insurers’ claims costs,

and that the data in this report by no means

represent all such factors.

The tables in this report were prepared under the

direction of the Casualty Actuarial and Statistical (C)

Task Force. Suggestions about how this database

might be further improved are welcome. Questions

may be referred to Justin Cox, Data Analyst II,

jcox7@naic.org.

Links to this report and other NAIC reports can be found

on the NAIC website at: NAIC Publications.

1

Terms

and

Calculations

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

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

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

Terms

Premium: The dollar amount paid for an insurance

policy.

Exposure: A finite unit of risk related to a specific

insurance coverage. In this report, exposures are

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

associated with insuring one car for one year.

Loss: The dollar amount associated with a claim.

Claim: A formal request for payment related to an

event or situation that is covered under an in-force

insurance policy.

Written Premiums: The total premium amount of

all policies issued during a given time period.

Written Exposures: The total number of exposures,

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

time period.

Calendar Year: Earned premiums and loss

transactions occurring with the calendar year

beginning Jan. 1, irrespective of the contractual

dates of the policies to which the transactions

relate and regardless of the dates of the accidents.

Calendar/Accident Year: The accumulation of loss

data on all accidents with the date of occurrence

falling within a given calendar year. The earned

premium is the same as in calendar year.

Earned Premiums: The portion of the total

premium amount corresponding to the coverage

provided during a given time period.

Earned Exposures: The portion of the total amount

of exposure (risk) corresponding to the coverage

provided during a given time period.

Incurred Claims: The total number of claims

associated with insured events/situations occurring

during a given time period.

Incurred Losses: The total dollar amount of losses

associated with insured events/situations occurring

during a given time period. A portion of incurred

claims and losses represents insurers’ estimates of

the final costs of pending claims that are still open

during the reporting period, as well as estimates of

losses associated with claims that have yet to be

reported (termed Incurred But Not Reported, or

IBNR).

Voluntary Market: Consists of insurance consumers

that insurers select to be provided coverage, using

underwriting guidelines that are not unfairly

discriminatory. The voluntary market is also called

the normal or regular market.

Residual Market: Consists of insurance consumers

unable to obtain coverage in the voluntary market.

Example 1: An auto policy insuring two cars for six

months is issued on 9/28/2008, effective

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

policyholders decide to change insurers in early

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

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

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

2008 exposures because the policy was issued in

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

policy), and is included in calendar year 2008

premiums.

2

The policy is in force for three months in 2008 and

for one month in 2009. For calendar year 2008, the

earned exposure is 2 cars × 1/4 year = 1/2 car-year,

and the earned premium is:

$600 × 1/2 policy length = $300.

The calendar year 2009 earned exposure is:

2 cars × 1/12 year = 1/6 car-year,

and the earned premium is:

$600 × 1/6 policy length = $100.

The remaining $200 of the original premium

amount is refunded to the policyholder and

counted as -$200 of written premium in calendar

year 2009.

Example 2: A two-vehicle auto accident occurs

11/23/2008. No one is hurt, but there is minor

damage to one car. The incident is reported as a

property damage liability claim to the appropriate

insurance company 11/27/2008. The cost of car

repairs is $537 and is paid by the insurer on

12/14/2008, minus a $250 deductible. Additional

damage from the accident is discovered five months

later, costing an additional $1,281, which the

insurer pays 6/3/2009.

There is one claim resulting from this accident,

which is included in accident year 2008 incurred

claims. Losses are $537 – $250 + $1,281 = $1,568

and are included in accident year 2008 incurred

losses. The discovery of additional damage is not a

separate claim because it results from the original

accident, so there is only one claim. The accident

occurs in 2008, so all associated losses are included

in accident year 2008 incurred losses, regardless of

when the losses are actually discovered, reported,

or paid.

Formulas

Tables

1–5

Average Expenditure:

(Liability Written Premium +

Collision Written Premium +

Comprehensive Written Premium)

Liability Written Exposures

Combined Average Premium:

Liability Average Premium +

Collision Average Premium +

Comprehensive Average Premium

Liability Average Premium:

Liability Written Premiums

Liability Written Exposures

Collision Average Premium:

Collision Written Premiums

Collision Written Exposures

Comprehensive Average Premium:

Comprehensive Written Premiums

Comprehensive Written Exposures

Tables

6–35

Pure Premium:

Incurred Losses

Earned Exposures

Frequency:

Incurred Claims × 100

Earned Exposures

Loss Ratio:

Incurred Losses × 100

Earned Premiums

Severity:

Incurred Losses

Incurred Claims

3

Average Premiums and Expenditures

4

2017–2021 State Average Expenditures and

Average Premiums for Personal Automobile Insurance

Voluntary and Residual Market Business Combined

This section provides state average expenditures

and state average annual premium per insured

vehicle, for private passenger automobile insurance

for the years 2017–2021. These statistics measure

the relative cost of automobile insurance to

consumers in each state.

Results are included for bodily injury and property

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

comprehensive coverages—the basic components

of a personal auto insurance policy.

Average expenditure per insured vehicle is the total

written premium for liability, collision, and

comprehensive coverages divided by the liability

written car-years

1

(exposures). This assumes that all

insured vehicles carry liability coverage but do not

necessarily carry the physical damage coverages

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

expenditure is an estimate of what consumers in

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

2021, the countrywide average expenditure was

$1,062 an increase of 1.45% over the previous year.

The median state average expenditure was $926.

The state combined average premium per insured

vehicle, on the other hand, is calculated by

summing the average premiums for the three

coverages. The result is the average cost of an auto

insurance policy in the state that contains all three

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

The countrywide combined average premium increased

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

median state combined average premium was $1,071.

Aggregate written premiums and aggregate written

exposures are used in calculations with no

distinction as to policyholder classifications, vehicle

characteristics, or the selection of specific limits or

deductibles, all of which significantly impact the

cost of coverage. Nor do the results consider

differences in state auto and tort laws, rate filing

laws, traffic conditions, or other demographics.

CAUTION: Because of these differences, direct

comparisons between state results should be

treated with a high degree of caution.

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

premiums, written exposures, and average

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

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

comprehensive insurance, respectively. State

average expenditures are provided in Table 4, and

state combined average premiums are displayed in

Table 5.

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.

5

Factors that Affect State Average Expenditures and

Average Premiums

Many factors affect the state-to-state differences in

average expenditures and premiums for automobile

insurance. Some important factors include:

•

Underwriting and loss adjustment expense

•

Types of coverages purchased

•

Relative amounts of coverages purchased

•

Use of telematics

•

Weather

•

Driving locations

•

Accident rates

•

Traffic density

•

Vehicle theft rates

•

Auto repair costs

•

Population density

•

Medical and legal costs

•

Per capita disposable income

•

Rate and form filing laws

•

Liability insurance requirements

•

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

Insurance rates are developed based primarily on

the insurer’s cost of paying claims. Certain broad

characteristics of a state contribute to the

frequency and severity of auto claims and insurer

loss costs in that state. Many of these cost factors

can influence insurance prices, not only between

states, but also between communities and

neighborhoods—making price comparison between

states and within a state extremely complex.

It is reasonable to consider that the “general

economic conditions” in a state may affect the price

of auto insurance, but no direct measure of this

characteristic exists. There are measurable variables

that can be used as imperfect substitutes for these

general conditions to approximate their influence

on auto insurance price.

Three variables—urban population, miles driven per

number of highway miles, and disposable income

per capita—are correlated with the state auto

insurance premiums. Graphs on the following pages

show these variables for each state. The graphs

indicate that high-premium states tend to also be

highly urban, with higher wage and price levels, and

greater traffic density.

6

Percentage of State Population Living in Urban Areas —

2020 U.S. Census

AK

AL

57.7%

AR

55.5%

AZ

CA

CO

CT

DC

DE

FL

GA

HI

IA

64.9%

63.2%

74.1%

89.3%

94.2%

86.0%

86.3%

82.6%

91.5%

86.1%

100.0%

ID

IL

IN

KS

KY

LA

MA

MD

ME

38.6%

MI

MN

MO

MS

MT

NC

ND

NE

46.3%

53.4%

58.7%

61.0%

69.2%

71.2%

72.3%

71.5%

73.5%

71.9%

69.5%

66.7%

73.0%

86.9%

91.3%

85.6%

NH

58.3%

NJ

NM

NV

NY

OH

OK

OR

PA

64.6%

74.5%

76.3%

80.5%

76.5%

87.4%

93.8%

94.1%

RI

SC

SD

TN

TX

UT

VA

VT

35.1%

WA

WI

WV

44.6%

57.2%

67.9%

66.2%

67.1%

75.6%

83.7%

83.4%

91.1%

89.8%

WY

62.0%

Source: U.S. Bureau of the Census

7

Millions of Miles Driven per Mile of

Roadway 2020

AK

0.30

AL

AR

0.34

AZ

CA

CO

CT

DC

DE

FL

GA

HI

IA

0.26

ID

0.33

0.55

0.68

0.98

0.90

1.38

1.28

1.71

1.68

2.00

1.95

IL

IN

KS

0.20

KY

LA

MA

MD

ME

0.64

0.58

0.57

0.79

0.76

1.47

1.57

MI

MN

MO

MS

MT

0.16

NC

ND

0.10

NE

0.20

NH

NJ

NM

NV

NY

0.36

0.33

0.55

0.51

0.53

0.71

0.74

0.99

0.90

1.70

OH

OK

OR

PA

RI

SC

SD

0.12

0.36

0.41

0.73

0.68

0.84

1.14

TN

TX

UT

VA

VT

0.42

WA

WI

0.50

WV

0.41

WY

0.33

0.62

0.66

0.79

0.82

1.01

Source:

Federal

Highway

Administration,

20

21

Highway

Statistics

8

2020

Disposable

Income

Per

Capita

AK

AL

AR

AZ

CA

CO

CT

DC

DE

FL

GA

HI

IA

ID

IL

IN

KS

KY

LA

MA

MD

ME

MI

MN

MO

MS

MT

NC

ND

NE

NH

NJ

NM

NV

NY

OH

OK

OR

PA

RI

SC

SD

TN

TX

UT

VA

VT

WA

WI

WV

WY

78,272

Source:

Bureau

of

Economic

Analysis

57,902

42,126

43,087

47,331

60,853

57,647

67,090

49,809

51,473

46,664

51,095

48,210

44,758

54,892

47,118

50,395

43,043

46,659

67,426

57,032

49,574

48,136

54,482

46,960

39,572

48,576

46,515

55,457

51,904

61,901

62,500

43,038

50,210

60,956

48,260

46,292

50,133

54,195

53,569

44,334

56,154

48,356

50,599

46,489

54,529

53,290

61,302

49,940

41,372

59,462

9

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

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

2017

2018

2019

2020

2021

2017 - 2021

Cumulative 4-

Year Change

Consumer Price Index - All Items*

2.13%

2.00%

2.31%

1.32%

7.19%

13.35%

CPI - Auto Insurance*

8.15%

4.69%

0.10%

-4.76%

4.15%

3.95%

CPI - Total Medical Care*

1.77%

2.07%

4.62%

1.84%

2.23%

11.18%

CPI - Auto Maintenance and Repair*

1.84%

2.33%

3.42%

3.43%

4.78%

14.69%

CPI - Legal Service Fees*

1.32%

6.36%

-0.95%

1.30%

3.59%

10.55%

CPI - New Vehicles*

-0.65% -0.25%

0.05%

1.94%

11.81%

13.75%

CPI - Used Vehicles*

-0.96%

1.49%

-0.55%

10.35%

37.73%

53.40%

Average Expenditure**

6.68%

4.93%

1.29%

-2.37%

1.45%

5.27%

Combined Average Premium**

6.60%

4.83%

1.19%

-2.50%

1.18%

4.65%

Average Liability Premium**

7.24%

5.19%

0.97%

-3.15%

0.23%

3.10%

Average Collision Premium**

6.32%

4.01%

1.03%

-2.97%

1.82%

3.82%

Average Comprehensive Premium**

4.85%

5.33%

2.39%

1.04%

3.24%

12.50%

*

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 2017 and 2021, the national average

expenditure for automobile insurance increased by

5.27%, while the CPI for all goods increased by

13.35%. Over the same period, the automobile

insurance component of the CPI increased by

3.95%. 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.

10

The national combined average premium increased

by 4.65%, and average liability premiums increased

by 3.10% over the 2017–2021 period. Premiums

charged for a particular coverage and annual

changes in those premiums vary based on the

changes in the cost of factors that impact the

coverage. Bodily injury liability premiums are

affected by medical costs, wage loss costs, litigation

costs, etc. Property damage liability and physical

damage premiums are affected by the cost of

vehicles, auto repairs, auto parts, labor, motor

vehicle theft rate, windstorms, hailstorms, etc.

Limitations on Comparability of Data

Comparisons of average expenditures and average

premiums between the states can be misleading.

The average expenditure and average premium are

imperfect measures of the relative “price” of

insurance across the states because the auto

insurance product is not homogeneous across

states. While these data reflect the average

expenditures within a state, it cannot be assumed

that the data represent equal exposure and

coverage across the states.

Policyholder preferences: A state’s average

expenditure and average premium will be relatively

higher if policyholders in that state tend to

purchase higher coverage limits or insure more

expensive cars. The type and amount of coverage

purchased by an individual is influenced by various

factors, both economic and non-economic.

Policyholders make choices about coverages, limits,

and deductibles that depend on their economic

situation, as well as their level of risk aversion, rural

or urban driving areas, local weather and traffic

conditions, and other factors.

Differences in auto insurance requirements, benefit

levels, and exposure: Some of the states have tort

automobile insurance laws, while others have “no-

fault” or “add-on” laws.

2

Some of the states do not

have a compulsory auto insurance law. Minimum

required limits for liability vary from state to state,

as well as required policy benefits. Some of the

states

have

a

much

higher

uninsured

motorist

exposure than others. The average vehicle value

differs from state to state. It is worth emphasizing

that this report reflects how much consumers, on

average, are spending for insurance, but it does not

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.

2

See State Laws, Page 192.

11

2017-2021 State Average Expenditures and

Average Premiums for Personal Automobile Insurance Technical

Notes

Average Premium =

(Coverage written premiums)/(coverage written

exposures)

Average Expenditure =

(Total all coverages written premiums)/(liability

written exposures)

Combined Average Premium =

(Liability average premium + collision average

premium + comprehensive average premium)

Coverages Included in Liability Written

Premiums

The liability written premiums data in these

tables are for the combined voluntary and

residual market business and include (but are

not limited to) the following coverages:

•

Bodily Injury

•

Uninsured or Underinsured Motorist

Bodily Injury

•

Uninsured/Underinsured Motorist

Bodily Injury (Combined – Single

Premium)

•

Medical Payments

•

Property Damage

•

Uninsured Motorist or Underinsured

Motorist Property Damage

•

Uninsured/Underinsured Motorist

Property Damage (Combined – Single

Premium)

•

Statutory Uninsured Motorist (New

York only)

•

Bodily Injury/Property Damage Liability

– Combined Single Limit Single Premium

•

Uninsured or Underinsured Motorist

Bodily Injury and Property Damage –

Combined Single Limit Single Premium

•

Uninsured/Underinsured Motorist

Bodily Injury and Property Damage –

Combined Single Limit/Single Premium

Policies

•

Medical Expenses (Virginia only)

•

Package Automobile Policy – Indivisible

Liability Premium

•

Voluntary Uninsured/Underinsured

Motorist (New York only)

•

All Other Liability Coverages – Voluntary

Risks Only

•

Property Protection Insurance

(Michigan only)

•

Limited Property Damage Coverage

(Michigan only)

•

No Fault or Personal Injury Protection

Data Source

Written premium and written exposure data

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

California Department of Insurance, the Texas

Department of Insurance, MAIF and the M-CAR.

Dividends to Policyholders

The written premiums for this report do not

include adjustments for dividends to

policyholders. The actual amount paid by

policyholders with participating policies for auto

insurance will be affected by dividends paid.

Historical Data Adjustment

Written premium and exposure data are for

2021—the most up-to-date information

reported as of year-end 2022. Data for prior

years were also adjusted to reflect the most

current information for each year. Therefore,

historical averages in this report might not

match those published in prior reports.

12

Miscellaneous Vehicles Not Included in

This Report

Written premium data in these tables may

differ from a state’s written premium shown in

the insurers’ filed financial annual statements.

The premium reported in the financial

statements Exhibit of Premiums and Losses

(Statutory Page 14) include data for the

following types of vehicles that are not included

in this report:

•

Motor Homes

•

Recreational Vehicles

•

Campers

•

Travel Trailers

•

Buggies

•

All-Terrain Vehicles

•

Antique Autos

•

Amphibious Autos

•

Snowmobiles

•

Golf Carts

•

Motorcycles

•

Scooters

•

Mopeds

13

California

2017-2021 State Average Expenditures and Combined

Average Premiums for Personal Automobile Insurance

Additional State Information

New Jersey

The 2020 and 2021 California auto insurance data in

these tables is preliminary. The California

Department of Insurance performs a rigorous set of

tests on the data each year to ensure accuracy. The

tests are not completed until after the publication

of this report. Any adjustments to California data,

based on these tests, will appear in the next edition

of this report.

District of Columbia

The District of Columbia is entirely urban. As such,

results are not directly comparable to states with

rural areas.

Illinois

To obtain more geographically specific data, contact

the Illinois Department of Insurance.

Massachusetts

Data for Massachusetts reflects Safe Driver Plan

credits and surcharges for 2017-2021.

Maryland

Maryland Automobile Insurance Fund (MAIF) data

are included. The statutory purpose of MAIF’s

insured program is to provide auto insurance

policies to those eligible Maryland residents unable

to obtain insurance in the private market. Net

premium income and investment income from

these policies is available for the payment of claims

and MAIF’s administrative expenses. MAIF receives

no state general fund appropriations, and the debts

or obligations of MAIF are not deemed in any

manner to be a department of the state or a pledge

of its credit. MAIF is not structured as a residual

market mechanism. Instead, it is the insurer of last

resort for Maryland residents. See Section 20 of the

Insurance Article of the Maryland Ann. Code for

more details.

New Jersey is predominately urban. Results are not

directly comparable to states with large rural areas.

Historically, New Jersey has paid two to four times

the national average in dividends to policyholders,

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

national average, which would reduce the average

expenditure and combined average premium for

New Jersey consumers if dividends were included in

premium.

Ohio

Minimum limits apply to mandatory financial

responsibility, which can be satisfied through means

other than insurance. Note policies issued or

renewed prior to December 22, 2013 had the limits

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

2013 are 25/50/25.

Rhode Island

Rhode Island is predominately urban. Results are

not directly comparable to states with large rural

areas

Texas

The Texas Department of Insurance collects vehicle

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

calendar quarter for voluntary bodily injury liability,

involuntary (residual) bodily injury liability and

collision coverages. The average number of vehicles

reported for policies in force is used as an

approximation for written exposures.

Comprehensive exposures are estimated based on

the ratio of comprehensive to collision car years for

the years of 2019 to 2021. The data to estimate this

ratio only includes 70 percent of the private

passenger automobile market. That ratio is

approximately 0.99. The estimate of comprehensive

car-years affects combined average premium, but

the estimate does not affect the calculation of the

average expenditure because only liability car-years

are used for that calculation.

14

2020/2021 Auto Insurance Database Report

Table 1A

Average Premiums and Expenditures 2017-2021

Liability Written Premiums

STATE 2021

2020

2019

2018

2017

Alabama 2,114,505,785

2,013,154,368

1,999,354,066

1,940,946,609

1,792,450,953

Alaska 279,770,779

274,943,211

281,024,721

273,643,422

265,497,418

Arizona 3,432,250,368

3,277,805,285

3,254,131,365

3,073,218,620

2,730,348,482

Arkansas 1,098,109,697

1,059,399,388

1,055,331,776

1,041,730,855

978,445,584

California 17,216,108,489

17,402,826,342

17,607,088,343

16,914,871,327

15,196,443,886

Colorado 3,091,341,263

3,029,021,998

3,024,356,320

2,895,845,316

2,625,248,858

Connecticut 1,902,022,952

1,836,628,884

1,796,015,030

1,868,213,649

1,728,442,258

Delaware 636,449,625

621,893,199

634,127,089

622,026,640

565,691,520

District of Columbia 209,490,802

209,120,153

211,974,142

206,529,703

189,403,247

Florida 15,512,884,520

14,186,993,723

14,154,548,923

14,069,416,038

13,240,713,993

Georgia 6,712,545,546

6,465,440,659

6,321,985,028

5,982,733,562

5,417,493,804

Hawaii 421,952,751

412,100,250

434,124,029

430,318,002

417,742,177

Idaho 589,215,922

544,722,236

528,673,569

499,087,622

457,118,128

Illinois 3,949,094,124

3,912,172,067

3,983,969,642

4,019,714,040

3,900,408,987

Indiana 2,206,832,691

2,177,385,703

2,197,849,700

2,166,475,610

2,080,772,093

Iowa 881,428,491

865,301,275

879,831,460

866,466,688

836,798,835

Kansas 997,729,704

962,932,833

989,412,296

968,572,930

911,102,153

Kentucky 2,014,415,154

2,009,733,646

2,048,151,059

2,027,132,895

1,918,758,650

Louisiana 2,936,947,120

2,915,148,622

3,017,001,548

2,974,160,945

2,755,956,953

Maine 389,695,136

374,306,853

379,075,379

372,962,507

364,067,713

Maryland 3,145,292,615

3,153,047,533

3,229,274,730

3,149,482,286

2,883,869,632

Massachusetts 2,961,044,216

2,927,198,776

3,001,945,822

2,934,073,395

2,836,967,911

Michigan 4,721,283,003

5,178,397,010

5,646,057,443

5,362,856,619

4,978,968,570

Minnesota 2,054,379,589

2,043,537,731

2,105,128,709

2,077,712,306

1,983,882,348

Mississippi 1,147,170,938

1,072,757,764

1,064,395,103

1,051,335,808

991,563,227

Missouri 2,265,169,224

2,201,618,250

2,254,559,841

2,194,037,088

2,067,940,948

Montana 393,604,122

368,695,031

363,203,204

354,923,718

335,856,669

Nebraska 686,092,721

670,599,740

686,144,401

674,052,138

649,003,253

Nevada 1,990,374,076

1,901,619,500

1,898,458,129

1,795,870,376

1,451,451,701

New Hampshire 426,812,739

414,106,949

426,309,593

415,474,060

399,850,791

New Jersey 5,255,314,628

4,967,121,845

5,351,987,950

5,280,238,431

5,021,001,142

New Mexico 884,196,732

870,672,963

883,549,418

857,277,031

799,770,032

New York 9,336,981,620

8,747,875,917

8,906,419,690

8,764,768,953

8,255,581,530

North Carolina 3,118,487,092

2,989,059,174

2,887,979,347

2,791,408,823

2,546,318,149

North Dakota 211,032,960

197,837,104

201,237,068

196,887,973

192,765,371

Ohio 3,608,516,528

3,648,610,164

3,784,565,337

3,759,333,400

3,616,304,798

Oklahoma 1,426,034,042

1,398,972,906

1,408,050,370

1,392,274,459

1,300,356,145

Oregon 1,967,176,605

1,943,553,809

1,999,564,965

1,976,470,918

1,886,857,989

Pennsylvania 4,637,002,419

4,619,088,231

4,821,545,667

4,892,624,441

4,703,480,187

Rhode Island 648,576,288

641,760,276

651,754,733

627,296,529

602,708,158

South Carolina 3,048,681,142

2,874,790,307

2,819,602,979

2,697,887,677

2,427,689,136

South Dakota 242,216,573

230,287,551

235,381,795

230,315,099

221,176,018

Tennessee 2,494,329,775

2,397,008,680

2,391,548,643

2,327,486,751

2,190,708,069

Texas 12,765,238,601

12,310,500,833

12,815,633,539

12,591,951,315

11,800,307,523

Utah 1,364,939,120

1,279,001,080

1,251,464,222

1,172,133,724

1,057,167,008

Vermont 161,202,388

160,144,434

167,214,207

167,259,043

164,622,133

Virginia 3,265,493,915

3,189,250,804

3,264,605,366

3,206,964,843

3,006,135,080

Washington 3,336,689,678

3,277,469,278

3,362,426,901

3,234,437,415

3,065,053,094

West Virginia 646,800,927

648,169,382

673,652,813

677,694,461

665,277,022

Wisconsin 1,696,833,177

1,680,892,922

1,743,047,648

1,723,610,904

1,664,529,033

Wyoming 167,634,435

160,852,062

161,697,814

159,027,865

155,034,102

Countrywide 146,667,392,807

142,715,528,701

145,256,432,932

141,951,234,829

132,295,102,461

15

Table 1B

2020/2021 Auto Insurance Database Report

Average Premiums and Expenditures 2017-2021

Liability Written Exposures

STATE 2021 2020 2019 2018 2017

Alabama 4,057,070 3,891,729 3,816,921 3,785,049 3,740,733

Alaska 496,790 487,938 480,490 475,002 472,589

Arizona 5,207,064 5,067,625 4,901,386 4,740,018 4,478,934

Arkansas 2,350,073 2,265,045 2,175,091 2,138,546 2,131,968

California 28,518,512 28,171,710 28,049,675 27,679,136 26,812,052

Colorado 4,454,143 4,356,847 4,279,046 4,211,730 4,092,625

Connecticut 2,408,976 2,323,341 2,238,170 2,379,505 2,323,351

Delaware 742,860 721,549 706,727 690,849 668,333

District of Columbia 264,926 264,058 258,092 255,151 254,006

Florida 15,285,505 14,594,626 14,192,325 13,924,140 13,766,733

Georgia 8,058,078 7,808,504 7,575,069 7,460,113 7,323,364

Hawaii 938,251 914,551 906,902 898,166 890,054

Idaho 1,389,348 1,293,767 1,216,120 1,171,932 1,132,610

Illinois 7,985,647 7,803,981 7,631,068 7,770,918 7,665,718

Indiana 5,140,512 5,001,949 4,907,441 4,873,707 4,793,278

Iowa 2,568,049 2,529,700 2,508,377 2,483,819 2,466,361

Kansas 2,391,777 2,353,071 2,318,722 2,291,574 2,272,319

Kentucky 3,467,335 3,390,036 3,315,731 3,262,679 3,221,611

Louisiana 3,016,129 2,981,428 2,941,326 2,921,756 2,929,849

Maine 1,041,290 1,005,994 1,008,998 994,192 982,543

Maryland 4,382,769 4,349,177 4,307,433 4,269,280 4,159,032

Massachusetts 4,599,768 4,510,861 4,514,717 4,455,904 4,412,652

Michigan 6,007,299 5,736,779 5,754,451 5,723,448 5,686,318

Minnesota 4,263,201 4,198,707 4,190,622 4,155,989 4,101,700

Mississippi 2,076,362 1,988,143 1,950,527 1,946,859 1,933,344

Missouri 4,415,514 4,324,871 4,256,899 4,201,361 4,183,193

Montana 921,517 854,893 828,238 814,364 793,401

Nebraska 1,640,195 1,605,381 1,589,072 1,568,840 1,554,251

Nevada 2,195,129 2,116,401 2,050,474 1,991,669 1,813,685

New Hampshire 993,004 960,957 961,722 951,015 938,057

New Jersey 5,765,686 5,504,663 5,612,307 5,555,366 5,381,914

New Mexico 1,609,720 1,554,253 1,512,166 1,486,033 1,457,245

New York 9,631,016 9,459,238 9,529,484 9,524,145 9,495,527

North Carolina 7,782,727 7,554,999 7,302,920 7,079,175 6,883,016

North Dakota 703,463 651,484 644,418 637,729 633,965

Ohio 8,549,480 8,434,041 8,356,776 8,305,922 8,173,817

Oklahoma 2,944,557 2,867,079 2,776,776 2,723,443 2,578,078

Oregon 3,055,233 2,967,098 2,915,827 2,865,534 2,783,336

Pennsylvania 8,948,021 8,752,645 8,756,119 8,784,507 8,677,125

Rhode Island 700,521 704,511 709,419 698,881 692,613

South Carolina 4,169,288 4,028,672 3,923,653 3,828,054 3,743,799

South Dakota 731,658 708,067 698,354 689,115 674,707

Tennessee 5,283,095 5,087,129 4,965,034 4,864,961 4,788,190

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

Utah 2,238,927 2,114,112 2,033,545 1,947,902 1,858,075

Vermont 447,081 436,780 445,991 443,692 438,793

Virginia 6,719,837 6,643,017 6,614,567 6,497,953 6,399,907

Washington 5,000,710 4,812,496 4,755,914 4,692,003 4,593,333

West Virginia 1,322,599 1,310,283 1,301,969 1,298,868 1,295,464

Wisconsin 4,232,165 4,161,165 4,136,889 4,081,284 4,030,355

Wyoming 482,998 469,024 453,656 446,406 436,130

Countrywide

231,946,934

226,224,698

222,988,806

220,030,219

215,704,350

16

2020/2021 Auto Insurance Database Report

Table 1C

Average Premiums and Expenditures 2017-2021

Liability Average Premium

STATE 2021 2020 2019 2018 2017

Alabama 521.19 517.29 523.81 512.79 479.17

Alaska 563.16 563.48 584.87 576.09 561.79

Arizona 659.15 646.81 663.92 648.36 609.60

Arkansas 467.27 467.72 485.19 487.12 458.94

California 603.68 617.74 627.71 611.11 566.78

Colorado 694.04 695.23 706.78 687.57 641.46

Connecticut 789.56 790.51 802.45 785.13 743.94

Delaware 856.76 861.89 897.27 900.38 846.42

District of Columbia 790.75 791.95 821.31 809.44 745.66

Florida 1,014.88 972.07 997.34 1,010.43 961.79

Georgia 833.02 828.00 834.58 801.96 739.75

Hawaii 449.72 450.60 478.69 479.11 469.34

Idaho 424.10 421.04 434.72 425.87 403.60

Illinois 494.52 501.30 522.07 517.28 508.81

Indiana 429.30 435.31 447.86 444.52 434.10

Iowa 343.23 342.06 350.76 348.84 339.28

Kansas 417.15 409.22 426.71 422.67 400.96

Kentucky 580.97 592.84 617.71 621.31 595.59

Louisiana 973.75 977.77 1,025.73 1,017.94 940.65

Maine 374.24 372.08 375.69 375.14 370.54

Maryland 717.65 724.98 749.70 737.71 693.40

Massachusetts 643.74 648.92 664.92 658.47 642.92

Michigan 785.92 902.67 981.16 937.00 875.61

Minnesota 481.89 486.71 502.34 499.93 483.67

Mississippi 552.49 539.58 545.70 540.02 512.87

Missouri 513.00 509.06 529.62 522.22 494.35

Montana 427.13 431.28 438.53 435.83 423.31

Nebraska 418.30 417.72 431.79 429.65 417.57

Nevada 906.72 898.52 925.86 901.69 800.28

New Hampshire 429.82 430.93 443.28 436.87 426.25

New Jersey 911.48 902.35 953.62 950.48 932.94

New Mexico 549.29 560.19 584.29 576.89 548.82

New York 969.47 924.80 934.62 920.27 869.42

North Carolina 400.69 395.64 395.46 394.31 369.94

North Dakota 299.99 303.67 312.28 308.73 304.06

Ohio 422.07 432.61 452.87 452.61 442.43

Oklahoma 484.29 487.94 507.08 511.22 504.39

Oregon 643.87 655.04 685.76 689.74 677.91

Pennsylvania 518.22 527.74 550.65 556.96 542.06

Rhode Island 925.85 910.93 918.72 897.57 870.19

South Carolina 731.22 713.58 718.62 704.77 648.46

South Dakota 331.05 325.23 337.05 334.22 327.81

Tennessee 472.13 471.19 481.68 478.42 457.52

Texas 627.25 611.54 650.17 659.52 631.22

Utah 609.64 604.98 615.41

601.74 568.96

Vermont 360.57 366.65 374.93 376.97 375.17

Virginia 485.95 480.09 493.55 493.53 469.72

Washington 667.24 681.03 707.00 689.35 667.28

West Virginia 489.04 494.68 517.41 521.76 513.54

Wisconsin 400.94 403.95 421.34 422.32 413.00

Wyoming 347.07 342.95 356.43 356.24 355.48

Countrywide

632.33

630.86

651.41

645.14

613.32

17

2020/2021 Auto Insurance Database Report

Table 2A

Average Premiums and Expenditures 2017-2021

Collision Written Premiums

STATE 2021 2020 2019 2018 2017

Alabama 1,085,098,005 1,031,937,996 1,040,247,151 1,009,243,428 956,105,024

Alaska 142,717,649 134,820,264 134,554,222 127,961,940 121,338,394

Arizona 1,261,420,274 1,174,512,299 1,177,489,291 1,137,139,213 1,031,704,203

Arkansas 584,479,351 550,673,093 541,436,760 537,508,138 516,855,282

California 10,502,037,309 10,074,694,178 9,883,938,818 9,513,812,084 8,748,376,283

Colorado 1,087,714,066 1,033,378,598 1,033,635,520 1,008,194,593 972,361,583

Connecticut 789,767,421 735,104,216 763,826,505 751,446,387 717,351,374

Delaware 209,469,572 197,037,527 196,154,998 189,808,304 180,024,825

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

Florida 4,256,469,155 3,877,273,509 4,085,020,926 4,063,828,992 3,805,926,890

Georgia 2,382,782,733 2,272,114,617 2,243,286,800 2,136,907,163 1,971,561,868

Hawaii 263,409,140 248,147,119 250,512,291 237,711,658 223,442,390

Idaho 279,881,905 248,900,956 237,168,498 221,581,848 198,983,387

Illinois 2,331,751,825 2,224,717,037 2,246,766,083 2,196,279,556 2,114,210,151

Indiana 1,133,664,388 1,086,637,553 1,082,941,430 1,060,157,549 1,005,160,229

Iowa 496,348,308 469,959,720 465,858,234 462,230,600 436,188,697

Kansas 460,215,705 440,125,684 447,879,261 444,294,630 424,039,958

Kentucky 681,653,952 655,856,567 685,941,253 683,746,224 648,168,748

Louisiana 1,003,956,035 974,709,812 1,022,569,458 1,019,067,341 988,714,477

Maine 240,523,766 230,323,638 227,898,860 218,164,104 206,281,636

Maryland 1,480,875,817 1,442,944,464 1,470,120,010 1,426,738,802 1,306,916,172

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

Michigan 2,178,418,746 2,092,358,996 2,142,785,290 2,111,250,825 1,994,086,058

Minnesota 932,154,828 884,935,522 884,769,528 843,362,062 799,371,691

Mississippi 551,991,068 515,540,715 503,205,362 509,158,753 494,107,354

Missouri 1,049,791,747 992,555,283 997,986,843 972,423,567 939,416,344

Montana 182,277,251 162,505,578 155,002,247 150,513,838 141,650,589

Nebraska 323,012,625 299,916,584 295,799,235 290,401,875 274,160,173

Nevada 585,468,211 545,876,675 565,166,218 537,367,555 462,838,325

New Hampshire 300,396,498 289,437,827 295,603,991 284,213,551 272,006,992

New Jersey 1,945,459,414 1,765,644,853 1,853,734,587 1,793,442,724 1,683,337,826

New Mexico 321,180,003 307,213,707 303,828,872 294,144,207 280,521,110

New York 3,654,701,036 3,414,745,574 3,473,130,264 3,362,461,171 3,178,527,547

North Carolina 1,972,411,478 1,796,669,997 1,790,932,124 1,678,414,988 1,572,018,308

North Dakota 141,845,342 128,130,671 127,588,386 123,482,445 117,766,097

Ohio 2,032,252,606 1,979,966,032 2,017,104,232 1,978,959,744 1,911,664,108

Oklahoma 660,480,004 625,812,835 622,783,078 624,504,377 579,804,430

Oregon 637,903,030 605,732,180 619,576,172 605,146,466 555,784,441

Pennsylvania 2,679,383,750 2,587,201,867 2,650,031,202 2,607,414,510 2,496,034,686

Rhode Island 260,894,270 255,255,977 252,757,408 241,688,747 227,608,476

South Carolina 986,887,755 921,261,794 910,499,519 886,479,216 830,835,599

South Dakota 128,058,492 117,943,800 116,272,936 112,640,303 105,772,264

Tennessee 1,368,332,374 1,269,429,994 1,262,598,721 1,239,079,490 1,175,788,545

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

Utah 529,756,757 484,926,655 480,542,581 460,464,481 416,012,137

Vermont 125,300,218 123,090,060 124,316,113 120,771,463 115,842,506

Virginia 1,692,657,466 1,615,849,454 1,616,542,812 1,569,835,884 1,495,960,195

Washington 1,278,428,555 1,200,188,811 1,222,701,425 1,152,066,513 1,062,876,031

West Virginia 331,440,243 321,018,503 324,388,260 319,253,561 310,418,604

Wisconsin 861,915,699 820,832,274 831,569,291 804,745,844 777,216,881

Wyoming 92,334,787 88,007,948 87,067,830 86,817,263 83,209,836

Countrywide 66,374,474,373 62,898,233,461 63,526,273,520 61,840,331,153 58,221,909,203

18

2020/2021 Auto Insurance Database Report

Table 2B

Average Premiums and Expenditures 2017-2021

Collision Written Exposures

STATE 2021 2020 2019 2018 2017

Alabama 2,868,909 2,735,840 2,664,753 2,636,560 2,608,895

Alaska 353,223 342,317 334,835 330,543 327,070

Arizona 3,907,459 3,759,701 3,583,931 3,478,107 3,287,389

Arkansas 1,564,382 1,504,055 1,451,565 1,432,298 1,417,964

California 20,591,618 20,080,790 19,960,100 19,664,340 19,274,539

Colorado 3,317,437 3,203,744 3,102,754 3,051,102 2,973,151

Connecticut 1,931,228 1,840,824 1,848,634 1,843,620 1,799,896

Delaware 595,597 571,303 554,202 540,122 521,687

District of Columbia 219,310 215,436 206,517 204,182 205,053

Florida 12,518,769 11,825,708 11,483,642 11,230,533 11,123,963

Georgia 5,765,407 5,504,066 5,323,497 5,223,445 5,148,370

Hawaii 709,472 684,712 676,147 664,467 652,711

Idaho 1,016,907 933,733 873,898 843,625 808,331

Illinois 6,567,952 6,392,006 6,389,821 6,470,382 6,280,848

Indiana 3,982,845 3,829,066 3,723,281 3,681,893 3,601,032

Iowa 1,929,508 1,885,989 1,855,998 1,829,730 1,783,597

Kansas 1,645,058 1,604,899 1,564,675 1,545,382 1,509,332

Kentucky 2,358,966 2,265,701 2,214,735 2,174,484 2,141,430

Louisiana 2,219,010 2,156,712 2,105,967 2,087,284 2,101,934

Maine 817,684 783,056 765,202 738,564 719,973

Maryland 3,550,084 3,480,200 3,416,172 3,381,941 3,336,288

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

Michigan 4,773,514 4,508,650 4,470,786 4,405,066 4,299,429

Minnesota 3,353,422 3,284,071 3,225,064 3,171,597 3,104,568

Mississippi 1,497,176 1,420,529 1,376,364 1,362,858 1,350,116

Missouri 3,305,606 3,206,464 3,124,119 3,075,054 3,061,289

Montana 619,637 560,184 540,051 530,660 505,630

Nebraska 1,141,389 1,108,896 1,083,281 1,065,283 1,038,507

Nevada 1,642,738 1,555,963 1,508,857 1,465,589 1,339,773

New Hampshire 922,613 888,564 882,405 866,863 849,204

New Jersey 4,602,504 4,347,956 4,395,862 4,336,664 4,173,429

New Mexico 1,041,490 995,772 961,531 945,004 920,614

New York 7,668,533 7,507,601 7,390,326 7,339,041 7,272,017

North Carolina 5,686,406 5,446,059 5,204,184 4,965,973 4,783,869

North Dakota 515,777 458,533 449,131 441,065 436,560

Ohio 6,920,672 6,728,879 6,600,898 6,499,586 6,378,399

Oklahoma 1,970,433 1,897,506 1,832,879 1,797,664 1,683,076

Oregon 2,366,839 2,272,952 2,195,364 2,156,669 2,094,455

Pennsylvania 7,158,494 6,925,657 6,897,337 6,914,711 6,840,140

Rhode Island 518,512 517,682 514,781 505,272 494,286

South Carolina 3,088,757 2,952,936 2,858,895 2,783,146 2,739,303

South Dakota 499,945 479,482 468,720 459,940 446,870

Tennessee 3,900,225 3,707,591 3,565,148 3,484,492 3,417,224

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

Utah 1,724,737 1,628,710 1,557,213 1,489,598 1,414,874

Vermont 379,438 372,356 371,243 364,978 355,391

Virginia 5,236,520 5,126,511 4,990,038 4,963,502 4,888,315

Washington 4,020,375 3,822,684 3,745,045 3,684,708 3,574,122

West Virginia 958,585 936,661 918,653 911,622 897,463

Wisconsin 3,472,038 3,373,883 3,315,041 3,244,951 3,187,866

Wyoming 321,788 311,485 297,194 291,714 286,149

Countrywide 175,903,474 169,729,824 166,333,405 163,582,082 160,186,131

19

2020/2021 Auto Insurance Database Report

Table 2C

Average Premiums and Expenditures 2017-2021

Collision Average Premium

STATE 2021 2020 2019 2018 2017

Alabama 378.23 377.19 390.37 382.79 366.48

Alaska 404.04 393.85 401.85 387.13 370.99

Arizona 322.82 312.40 328.55 326.94 313.84

Arkansas 373.62 366.13 373.00 375.28 364.51

California 510.02 501.71 495.18 483.81 453.88

Colorado 327.88 322.55 333.13 330.44 327.05

Connecticut 408.95 399.33 413.18 407.59 398.55

Delaware 351.70 344.89 353.94 351.42 345.08

District of Columbia 543.86 526.65 539.59 535.86 498.56

Florida 340.01 327.87 355.73 361.86 342.14

Georgia 413.29 412.81 421.39 409.10 382.95

Hawaii 371.27 362.41 370.50 357.75 342.33

Idaho 275.23 266.57 271.39 262.65 246.17

Illinois 355.02 348.05 351.62 339.44 336.61

Indiana 284.64 283.79 290.86 287.94 279.13

Iowa 257.24 249.18 251.00 252.62 244.56

Kansas 279.76 274.24 286.24 287.50 280.95

Kentucky 288.96 289.47 309.72 314.44 302.68

Louisiana 452.43 451.94 485.56 488.23 470.38

Maine 294.15 294.13 297.83 295.39 286.51

Maryland 417.14 414.62 430.34 421.87 391.73

Massachusetts 439.94 449.71 447.05 440.55 427.17

Michigan 456.36 464.08 479.29 479.28 463.80

Minnesota 277.97 269.46 274.34 265.91 257.48

Mississippi 368.69 362.92 365.60 373.60 365.97

Missouri 317.58 309.55 319.45 316.23 306.87

Montana 294.17 290.09 287.01 283.64 280.15

Nebraska 283.00 270.46 273.06 272.61 263.99

Nevada 356.40 350.83 374.57 366.66 345.46

New Hampshire 325.59 325.74 335.00 327.86 320.31

New Jersey 422.70 406.09 421.70 413.55 403.35

New Mexico 308.39 308.52 315.98 311.26 304.71

New York 476.58 454.84 469.96 458.16 437.09

North Carolina 346.86 329.90 344.13 337.98 328.61

North Dakota 275.01 279.44 284.08 279.96 269.76

Ohio 293.65 294.25 305.58 304.47 299.71

Oklahoma 335.20 329.81 339.78 347.40 344.49

Oregon 269.52 266.50 282.22 280.59 265.36

Pennsylvania 374.29 373.57 384.21 377.08 364.91

Rhode Island 503.16 493.07 491.00 478.33 460.48

South Carolina 319.51 311.98 318.48 318.52 303.30

South Dakota 256.15 245.98 248.06 244.90 236.70

Tennessee 350.83 342.39 354.15 355.60 344.08

Texas 424.72 411.65 434.51 443.01 430.63

Utah 307.15 297.74 308.59 309.12 294.03

Vermont 330.23 330.57 334.86 330.90 325.96

Virginia 323.24 315.19 323.95 316.28 306.03

Washington 317.99 313.96 326.49 312.66 297.38

West Virginia 345.76 342.73 353.11 350.20 345.88

Wisconsin 248.24 243.29 250.85 248.00 243.80

Wyoming 286.94 282.54 292.97 297.61 290.79

Countrywide 377.33 370.58 381.92 378.04 363.46

20

2020/2021 Auto Insurance Database Report

Table 3A

Average Premiums and Expenditures 2017-2021

Comprehensive Written Premiums

STATE 2021 2020 2019 2018 2017

Alabama 558,969,769 525,997,170 500,642,401 481,952,938 459,336,321

Alaska 63,846,826 62,199,305 60,588,026 56,986,761 53,348,359

Arizona 895,055,907 824,789,692 788,410,124 761,826,861 706,266,022

Arkansas 400,257,115 379,483,723 361,596,542 347,830,399 315,548,199

California 2,133,299,138 2,044,712,043 2,012,139,473 1,944,387,404 1,930,026,168

Colorado 1,122,314,566 1,042,112,393 971,952,427 868,242,394 710,208,959

Connecticut 302,717,888 281,556,998 275,458,925 276,343,956 269,899,245

Delaware 88,745,340 83,399,089 79,267,600 79,094,424 72,891,492

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

Florida 2,112,803,988 1,917,639,279 1,832,206,358 1,738,902,574 1,584,514,950

Georgia 1,125,059,870 1,054,770,592 1,015,746,310 969,961,617 917,892,939

Hawaii 82,106,069 78,493,880 76,886,042 76,557,325 74,463,259

Idaho 161,161,639 143,881,061 133,945,611 125,488,207 112,961,658

Illinois 1,055,728,825 998,364,670 949,494,267 926,584,882 882,080,818

Indiana 605,188,759 566,520,875 550,393,181 531,172,216 499,316,183

Iowa 484,817,844 454,980,458 431,633,964 411,651,628 393,902,660

Kansas 492,456,358 462,750,838 459,146,448 436,341,953 410,941,455

Kentucky 431,518,819 413,843,705 407,518,427 394,704,879 367,896,539

Louisiana 584,435,892 561,934,348 548,908,911 534,974,017 501,965,530

Maine 112,190,901 103,580,043 95,809,921 92,146,122 86,046,009

Maryland 626,150,120 620,283,274 605,255,731 596,818,085 567,119,058

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

Michigan 947,739,681 879,265,664 834,707,411 804,462,592 769,748,449

Minnesota 814,650,655 769,780,485 748,345,941 709,101,070 664,446,824

Mississippi 385,567,943 357,771,829 339,603,570 335,247,426 318,168,986

Missouri 789,014,266 735,295,304 721,459,541 687,847,773 641,048,520

Montana 203,856,836 182,049,752 174,581,338 167,146,965 145,209,760

Nebraska 330,009,367 306,316,718 301,138,931 286,587,990 270,630,830

Nevada 200,344,244 188,341,341 186,778,203 180,731,829 159,723,998

New Hampshire 118,969,368 111,637,635 109,745,138 106,572,464 101,819,022

New Jersey 673,452,196 601,051,014 597,881,393 590,924,745 567,063,267

New Mexico 231,318,881 226,957,787 222,950,123 209,400,333 189,000,356

New York 1,561,185,617 1,444,532,421 1,401,375,772 1,446,769,845 1,394,354,563

North Carolina 981,143,055 900,521,729 827,040,076 765,167,234 652,458,616

North Dakota 133,568,837 124,451,506 124,626,936 118,330,491 109,231,216

Ohio 995,719,992 956,560,589 934,488,198 923,242,657 884,489,749

Oklahoma 551,837,944 519,893,256 506,102,785 489,662,717 436,249,500

Oregon 289,670,569 273,780,802 268,232,054 255,952,034 236,066,288

Pennsylvania 1,348,691,516 1,274,468,304 1,254,442,745 1,244,246,917 1,184,497,062

Rhode Island 86,961,518 80,788,395 76,028,601 74,501,875 70,598,179

South Carolina 721,729,815 681,534,946 647,846,009 618,057,574 579,673,792

South Dakota 191,265,470 174,525,500 168,767,019 155,515,895 142,879,184

Tennessee 732,879,417 679,178,884 640,290,902 609,355,946 575,540,597

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

Utah 236,022,751 216,427,686 209,071,708 200,610,085 182,502,826

Vermont 62,422,649 59,339,691 57,986,434 57,101,840 54,135,506

Virginia 846,689,029 809,883,291 799,143,128 782,493,429 754,900,436

Washington 535,207,794 504,458,639 495,438,419 472,477,728 441,922,047

West Virginia 237,111,840 229,102,843 224,563,783 222,389,375 208,566,018

Wisconsin 647,126,729 609,458,398 601,055,387 557,287,763 510,334,539

Wyoming 121,702,806 111,929,859 103,702,354 96,014,191 86,451,528

Countrywide 33,179,905,688 31,100,568,311 30,203,026,060 29,021,386,424 26,989,255,667

21

2020/2021 Auto Insurance Database Report

Table 3B

Average Premiums and Expenditures 2017-2021

Comprehensive Written Exposures

STATE 2021 2020 2019 2018 2017

Alabama 2,970,204 2,837,442 2,779,027 2,741,556 2,700,864

Alaska 411,797 400,206 390,677 385,391 379,332

Arizona 4,081,576 3,947,715 3,779,239 3,655,796 3,441,026

Arkansas 1,611,110 1,549,228 1,501,936 1,477,342 1,454,340

California 21,524,794 21,021,589 20,843,945 20,518,095 20,073,955

Colorado 3,438,586 3,338,650 3,251,529 3,184,693 3,101,523

Connecticut 2,108,952 2,028,123 2,054,236 2,063,624 2,014,867

Delaware 619,793 595,328 583,066 564,800 546,165

District of Columbia 228,097 224,188 217,356 213,249 213,277

Florida 12,979,757 12,308,941 11,971,723 11,645,632 11,519,799

Georgia 6,034,432 5,776,990 5,624,804 5,493,550 5,395,029

Hawaii 765,227 733,645 723,249 710,915 695,480

Idaho 1,080,761 989,949 932,793 897,922 862,743

Illinois 6,944,949 6,799,335 6,556,572 6,585,110 6,604,144

Indiana 4,187,938 4,034,217 3,946,963 3,906,168 3,805,256

Iowa 2,010,438 1,970,242 1,946,317 1,917,879 1,857,817

Kansas 1,676,264 1,635,253 1,600,900 1,577,635 1,534,717

Kentucky 2,531,665 2,446,318 2,413,126 2,387,786 2,323,181

Louisiana 2,277,494 2,215,715 2,173,210 2,149,162 2,159,168

Maine 886,640 840,408 830,133 810,890 791,424

Maryland 3,707,829 3,636,541 3,601,868 3,562,388 3,498,644

Massachusetts 4,186,079 4,066,283 4,054,339 4,008,522 3,975,034

Michigan 5,455,413 5,205,414 5,142,963 5,052,676 4,871,188

Minnesota 3,599,437 3,551,551 3,486,494 3,432,897 3,351,226

Mississippi 1,531,142 1,454,341 1,417,767 1,398,498 1,385,006

Missouri 3,391,079 3,294,334 3,212,492 3,164,668 3,132,837

Montana 650,465 587,200 555,233 546,205 534,999

Nebraska 1,171,455 1,140,080 1,118,322 1,097,813 1,064,753

Nevada 1,693,441 1,627,752 1,566,644 1,515,821 1,382,067

New Hampshire 948,873 910,515 908,134 896,904 878,826

New Jersey 4,805,705 4,557,093 4,611,468 4,547,945 4,389,848

New Mexico 1,076,026 1,033,430 1,002,231 977,893 954,012

New York 8,265,250 8,175,892 8,104,585 8,000,344 7,770,465

North Carolina 6,047,508 5,816,551 5,540,663 5,297,308 5,121,575

North Dakota 537,372 478,554 470,353 460,225 455,340

Ohio 7,295,243 7,116,370 7,082,089 7,043,790 6,854,946

Oklahoma 2,005,412 1,939,835 1,868,361 1,824,204 1,708,287

Oregon 2,599,359 2,522,461 2,439,580 2,394,932 2,316,177

Pennsylvania 7,544,910 7,319,552 7,317,399 7,346,307 7,266,753

Rhode Island 545,331 543,362 539,279 527,959 516,874

South Carolina 3,280,109 3,144,080 3,059,866 2,979,508 2,928,842

South Dakota 514,812 494,517 485,570 474,821 458,832

Tennessee 4,123,495 3,928,520 3,803,956 3,715,247 3,633,070

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

Utah 1,806,614 1,722,313 1,643,322 1,573,115 1,488,266

Vermont 402,722 381,991 387,720 384,818 377,434

Virginia 5,592,659 5,448,688 5,345,811 5,274,222 5,163,442

Washington 4,275,518 4,175,910 4,078,264 3,996,844 3,881,351

West Virginia 1,032,136 1,010,465 995,522 988,971 976,992

Wisconsin 3,696,841 3,606,508 3,564,296 3,485,912 3,423,700

Wyoming 334,028 317,988 308,679 302,677 295,835

Countrywide 184,501,375 178,538,502 175,184,481 172,361,211 168,835,422

22

2020/2021 Auto Insurance Database Report

Table 3C

Average Premiums and Expenditures 2017-2021

Comprehensive Average Premium

STATE 2021 2020 2019 2018 2017

Alabama 188.19 185.38 180.15 175.80 170.07

Alaska 155.04 155.42 155.08 147.87 140.64

Arizona 219.29 208.93 208.62 208.39 205.25

Arkansas 248.44 244.95 240.75 235.44 216.97

California 99.11 97.27 96.53 94.76 96.15

Colorado 326.39 312.14 298.92 272.63 228.99

Connecticut 143.54 138.83 134.09 133.91 133.95

Delaware 143.19 140.09 135.95 140.04 133.46

District of Columbia 224.81 223.40 221.95 228.69 224.60

Florida 162.78 155.79 153.04 149.32 137.55

Georgia 186.44 182.58 180.58 176.56 170.14

Hawaii 107.30 106.99 106.31 107.69 107.07

Idaho 149.12 145.34 143.60 139.75 130.93

Illinois 152.01 146.83 144.82 140.71 133.56

Indiana 144.51 140.43 139.45 135.98 131.22

Iowa 241.15 230.93 221.77 214.64 212.02

Kansas 293.78 282.98 286.81 276.58 267.76

Kentucky 170.45 169.17 168.88 165.30 158.36

Louisiana 256.61 253.61 252.58 248.92 232.48

Maine 126.53 123.25 115.42 113.64 108.72

Maryland 168.87 170.57 168.04 167.53 162.10

Massachusetts 151.68 149.81 149.86 147.06 145.10

Michigan 173.72 168.91 162.30 159.22 158.02

Minnesota 226.33 216.74 214.64 206.56 198.27

Mississippi 251.82 246.00 239.53 239.72 229.72

Missouri 232.67 223.20 224.58 217.35 204.62

Montana 313.40 310.03 314.43 306.02 271.42

Nebraska 281.71 268.68 269.28 261.05 254.17

Nevada 118.31 115.71 119.22 119.23 115.57

New Hampshire 125.38 122.61 120.85 118.82 115.86

New Jersey 140.14 131.89 129.65 129.93 129.18

New Mexico 214.98 219.62 222.45 214.13 198.11

New York 188.89 176.68 172.91 180.84 179.44

North Carolina 162.24 154.82 149.27 144.44 127.39

North Dakota 248.56 260.06 264.96 257.11 239.89

Ohio 136.49 134.42 131.95 131.07 129.03

Oklahoma 275.17 268.01 270.88 268.43 255.37

Oregon 111.44 108.54 109.95 106.87 101.92

Pennsylvania 178.76 174.12 171.43 169.37 163.00

Rhode Island 159.47 148.68 140.98 141.11 136.59

South Carolina 220.03 216.77 211.72 207.44 197.92

South Dakota 371.52 352.92 347.56 327.53 311.40

Tennessee 177.73 172.88 168.32 164.01 158.42

Texas 291.05 279.44 285.59 269.98 234.22

Utah 130.64 125.66 127.23 127.52 122.63

Vermont 155.00 155.34 149.56 148.39 143.43

Virginia 151.39 148.64 149.49 148.36 146.20

Washington 125.18 120.80 121.48 118.21 113.86

West Virginia 229.73 226.73 225.57 224.87 213.48

Wisconsin 175.05 168.99 168.63 159.87 149.06

Wyoming 364.35 351.99 335.96 317.22 292.23

Countrywide 179.84 174.20 172.41 168.38 159.86

23

2020/2021 Auto Insurance Database Report

Table 4

Average Premiums and Expenditures 2017-2021

Average Expenditure

STATE 2021 2020 2019 2018 2017

Alabama 926.43 917.61 927.51 906.76 857.56

Alaska 978.96 967.26 991.00 965.45 931.43

Arizona 1,073.30 1,041.34 1,065.01 1,048.98 997.63

Arkansas 886.29 878.37 900.36 901.11 849.38

California 1,046.74 1,047.94 1,051.82 1,025.07 965.05

Colorado 1,190.21 1,171.61 1,175.48 1,133.09 1,052.58

Connecticut 1,243.06 1,228.10 1,266.79 1,217.06 1,168.87

Delaware 1,258.20 1,250.55 1,286.99 1,289.62 1,224.85

District of Columbia 1,434.53 1,411.30 1,439.99 1,429.39 1,336.73

Florida 1,431.56 1,369.13 1,414.27 1,427.17 1,353.35

Georgia 1,268.34 1,254.06 1,264.81 1,218.43 1,134.31

Hawaii 817.98 807.76 839.70 829.01 804.05

Idaho 741.54 724.63 739.88 722.02 679.02

Illinois 918.72 914.31 940.92 919.14 899.68

Indiana 767.57 765.81 780.69 771.04 747.97

Iowa 725.30 707.69 708.56 700.67 675.85

Kansas 815.46 792.93 817.88 806.96 768.41

Kentucky 902.01 908.38 947.49 951.85 910.98

Louisiana 1,500.38 1,493.17 1,560.00 1,549.82 1,449.44

Maine 712.97 703.99 696.52 687.26 668.06

Maryland 1,198.40 1,199.37 1,231.51 1,211.69 1,143.99

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

Michigan 1,306.32 1,420.66 1,498.59 1,446.43 1,361.65

Minnesota 891.63 880.81 892.05 873.48 840.55

Mississippi 1,004.03 978.84 977.79 973.74 933.02

Missouri 929.44 908.57 933.54 917.40 872.16

Montana 846.15 834.32 836.46 825.90 784.87

Nebraska 816.44 795.35 807.44 797.43 768.08

Nevada 1,264.70 1,245.43 1,292.58 1,262.24 1,143.54

New Hampshire 852.14 848.30 864.76 847.79 824.77

New Jersey 1,365.71 1,332.29 1,390.44 1,379.68 1,351.08

New Mexico 892.51 903.87 932.65 915.74 871.02

New York 1,511.04 1,438.50 1,446.14 1,425.22 1,351.00

North Carolina 780.19 752.65 753.94 739.49 693.13

North Dakota 691.50 691.37 703.66 687.91 662.12

Ohio 776.24 780.78 806.07 802.02 784.51

Oklahoma 896.01 887.55 913.63 920.32 898.50

Oregon 947.47 951.46 990.24 990.24 962.41

Pennsylvania 968.38 968.94 996.56 995.42 966.22

Rhode Island 1,422.42 1,387.92 1,382.17 1,350.00 1,300.75

South Carolina 1,141.03 1,111.43 1,115.78 1,097.80 1,025.21

South Dakota 767.49 738.29 745.21 723.35 696.34

Tennessee 869.86 854.24 864.94 858.37 823.28

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

Utah 951.67 936.73 954.53 941.12 891.07

Vermont 780.45 784.32 783.69 777.86 762.55

Virginia 863.84 845.25 858.75 855.55 821.42

Washington 1,029.92 1,035.25 1,068.26 1,035.59 994.89

West Virginia 918.91 914.53 939.04 938.77 914.16

Wisconsin 757.50 747.67 767.65 756.05 732.46

Wyoming 790.21 769.24 776.95 765.80 744.49

Countrywide 1,061.54 1,046.37 1,071.74 1,058.10 1,008.35

24

2020/2021 Auto Insurance Database Report

Table 5

Average Premiums and Expenditures

2017-2021

Combined Average Premium

STATE

2021

2020

2019

2018

2017

Alabama

1,087.61

1,079.86

1,094.34

1,071.38

1,015.72

Alaska

1,122.25

1,112.74

1,141.81

1,111.08

1,073.42

Arizona

1,201.27

1,168.14

1,201.08

1,183.69

1,128.68

Arkansas

1,089.32

1,078.79

1,098.95

1,097.84

1,040.42

California

1,212.81

1,216.72

1,219.43

1,189.68

1,116.80

Colorado

1,348.30

1,329.92

1,338.84

1,290.63

1,197.49

Connecticut

1,342.04

1,328.67

1,349.73

1,326.63

1,276.45

Delaware

1,351.64

1,346.87

1,387.16

1,391.84

1,324.96

District of Columbia

1,559.42

1,542.00

1,582.85

1,573.99

1,468.82

Florida

1,517.66

1,455.73

1,506.11

1,521.61

1,441.48

Georgia

1,432.75

1,423.39

1,436.55

1,387.63

1,292.84

Hawaii

928.29

920.01

955.50

944.54

918.74

Idaho

848.44

832.94

849.71

828.28

780.70

Illinois

1,001.56

996.18

1,018.50

997.42

978.99

Indiana

858.45

859.52

878.16

868.44

844.45

Iowa

841.62

822.17

823.53

816.11

795.86

Kansas

990.69

966.45

999.76

986.75

949.67

Kentucky

1,040.38

1,051.48

1,096.30

1,101.05

1,056.63

Louisiana

1,682.79

1,683.32

1,763.87

1,755.08

1,643.51

Maine

794.93

789.46

788.94

784.17

765.77

Maryland

1,303.66

1,310.16

1,348.08

1,327.11

1,247.22

Massachusetts

1,235.35

1,248.44

1,261.84

1,246.08

1,215.18

Michigan

1,416.00

1,535.66

1,622.75

1,575.49

1,497.43

Minnesota

986.19

972.91

991.33

972.40

939.43

Mississippi

1,173.00

1,148.50

1,150.84

1,153.33

1,108.57

Missouri

1,063.26

1,041.81

1,073.65

1,055.80

1,005.84

Montana

1,034.70

1,031.40

1,039.97

1,025.48

974.88

Nebraska

983.01

956.86

974.13

963.31

935.73

Nevada

1,381.43

1,365.05

1,419.65

1,387.58

1,261.31

New Hampshire

880.79

879.28

899.12

883.56

862.42

New Jersey

1,474.31

1,440.33

1,504.97

1,493.96

1,465.46

New Mexico

1,072.65

1,088.32

1,122.73

1,102.29

1,051.65

New York

1,634.94

1,556.32

1,577.48

1,559.27

1,485.95

North Carolina

909.80

880.36

888.86

876.74

825.94

North Dakota

823.56

843.16

861.32

845.81

813.71

Ohio

852.21

861.27

890.41

888.16

871.16

Oklahoma

1,094.66

1,085.76

1,117.75

1,127.04

1,104.25

Oregon

1,024.83

1,030.07

1,077.93

1,077.20

1,045.19

Pennsylvania

1,071.26

1,075.42

1,106.29

1,103.41

1,069.97

Rhode Island

1,588.47

1,552.69

1,550.70

1,517.02

1,467.26

South Carolina

1,270.77

1,242.33

1,248.82

1,230.72

1,149.68

South Dakota

958.72

924.14

932.68

906.65

875.90

Tennessee

1,000.70

986.46

1,004.15

998.03

960.02

Texas

1,343.03

1,302.63

1,370.28

1,372.52

1,296.08

Utah

1,047.44

1,028.38

1,051.23

1,038.39

985.61

Vermont

845.79

852.56

859.35

856.26

844.56

Virginia

960.58

943.92

966.99

958.17

921.94

Washington

1,110.41

1,115.80

1,154.97

1,120.23

1,078.52

West Virginia

1,064.53

1,064.14

1,096.10

1,096.83

1,072.91

Wisconsin

824.23

816.23

840.82

830.19

805.86

Wyoming

998.36

977.49

985.35

971.07

938.50

Countrywide

1,189.50

1,175.63

1,205.74

1,191.56

1,136.64

25

Auto Insurance Earned and Incurred Data

General Information

26

2018-2020 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 and MAIF—Physical damage

losses are reported on an accident

year basis.

Limits

Losses are reported at total limits.

27

Loss Adjustment Expenses

Incurred losses include loss, and allocated

and unallocated loss adjustment expenses

(ALAE and ULAE).

Except:

AAIS—Collision and comprehensive loss

data exclude ALAE.

California, Massachusetts, and Texas

—

Incurred losses exclude ULAE.

Loss

Development

Incurred loss data are developed to 63

months for:

•

Bodily injury liability

•

Personal injury protection (PIP)

•

Combined single limit—bodily injury

component (CSLBI)

•

Uninsured/underinsured motorist—

bodily injury 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

.

Massachusetts— All BI losses include

paid and outstanding losses with no

adjustment for losses incurred but

not reported.

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

Massachusetts. For this reason, tables 6A

through 8D and 18A through 23D-2

contain Countrywide totals which exclude

Texas and Massachusetts. 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 (-).

28

2018-2020 Auto Insurance Earned and Incurred Data

State-Specific Information (General)

Voluntary Market Business and

Residual Market Business

California

The 2020 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 2018-2020.

Michigan

Michigan enacted historic changes to its no-fault laws

in 2019. While most changes affecting premiums begin

in 2020, all accident year loss data will be affected to

the extent incurred losses and loss development are

revised to reflect the impact of new fee schedules

which applicable to certain procedures rendered on or

after July 2, 2021.

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.

29

Bodily Injury Liability

30

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

purchase medical payments coverage

2

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.

general

or

“non-economic”

damages

(pain

and

suffering).

Under

tort

systems,

an

insured

can

1

See Combined Single Limit Liability, Page 59.

2

See Medical Payments, Page 101.

3

See Personal Injury Protection, Page 87.

4

See State Laws, Page 192.

31

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.

32

2020/2021 Auto Insurance Database Report

Table 6A

Bodily Injury Liability 2018-2020

Voluntary Business

Earned Premiums

Earned Exposures

STATE 2020 2019 2018 2020 2019 2018

Alabama 838,940,234 804,762,315 759,148,322 3,840,305 3,723,860 3,676,579

Alaska 107,947,789 105,731,617 104,915,345 487,209 470,738 458,838

Arizona 1,442,820,492 1,371,145,218 1,264,881,560 4,756,829 4,523,914 4,317,624

Arkansas 367,687,379 353,650,300 341,445,314 1,974,945 1,886,496 1,849,645

California 7,562,779,157 7,495,604,548 7,258,581,340 27,938,949 27,692,170 27,189,967

Colorado 1,184,041,482 1,141,634,796 1,075,815,492 4,090,263 3,981,739 3,883,440

Connecticut 902,763,343 877,588,312 824,497,285 2,113,907 2,054,054 1,966,792

Delaware 224,346,088 222,197,195 213,224,782 665,785 635,180 607,981

District of Columbia 81,518,591 80,703,304 77,554,707 247,137 242,881 239,093

Florida 4,708,200,645 4,506,470,249 4,392,497,243 12,929,319 12,487,743 12,160,383

Georgia 2,979,656,559 2,856,612,193 2,624,458,558 7,138,662 6,915,261 6,731,412

Hawaii 106,302,674 107,662,150 107,260,939 869,699 857,807 841,092

Idaho 218,072,698 205,098,825 194,537,873 1,228,457 1,147,274 1,097,489

Illinois 1,649,954,729 1,649,937,800 1,621,493,264 6,962,976 6,883,004 6,775,324

Indiana 847,166,780 841,437,716 829,130,143 4,661,196 4,565,737 4,503,099

Iowa 307,558,715 312,839,521 308,350,855 2,444,257 2,396,227 2,364,374

Kansas 343,559,338 333,046,300 317,554,964 2,180,544 2,124,298 2,087,822

Kentucky 742,533,342 744,875,729 728,771,135 3,071,572 3,019,211 2,967,484

Louisiana 1,546,856,400 1,565,064,083 1,503,814,403 2,871,189 2,813,363 2,763,400

Maine 128,380,056 127,605,569 126,080,593 847,236 815,496 787,205

Maryland 1,207,836,819 1,185,738,979 1,150,373,625 4,167,550 4,089,967 4,015,888

Massachusetts 1,390,220,077 1,392,313,531 1,365,006,582 4,487,765 4,485,095 4,420,894

Michigan 896,965,843 821,150,505 789,911,080 5,581,900 5,472,608 5,407,593

Minnesota 535,180,883 530,183,515 514,390,460 3,995,814 3,931,649 3,882,232

Mississippi 422,472,711 409,083,987 393,901,600 1,886,856 1,840,159 1,810,356

Missouri 906,960,722 898,105,883 867,351,738 3,900,069 3,786,637 3,730,792

Montana 148,872,079 144,984,386 139,957,610 819,320 780,920 748,556

Nebraska 259,930,374 265,273,168 262,004,605 1,547,854 1,515,154 1,493,682

Nevada 1,025,269,985 977,664,894 884,541,520 2,024,281 1,915,858 1,820,678

New Hampshire 150,445,361 149,791,721 146,291,198 902,186 881,384 857,672

New Jersey 1,300,161,470 1,285,672,896 1,260,120,302 4,491,310 4,356,370 4,253,847

New Mexico 333,172,128 332,236,758 311,944,762 1,492,559 1,431,648 1,376,635

New York 2,765,201,731 2,707,036,152 2,652,490,100 8,561,761 8,421,716 8,356,149

North Carolina 1,278,085,744 1,245,457,158 1,218,960,991 7,573,392 7,208,539 7,011,942

North Dakota 50,210,589 50,785,642 51,316,186 603,089 591,722 585,276

Ohio 1,431,382,706 1,460,336,631 1,444,900,161 7,813,402 7,724,603 7,638,737

Oklahoma 544,102,075 537,484,043 527,505,762 2,648,002 2,539,177 2,473,420

Oregon 718,773,141 727,397,052 729,595,390 2,885,875 2,772,636 2,678,408

Pennsylvania 1,340,474,858 1,370,522,040 1,370,629,349 8,299,114 8,183,107 8,104,239

Rhode Island 251,514,040 242,137,603 232,821,083 631,212 614,152 593,743

South Carolina 1,259,634,332 1,209,834,036 1,139,723,915 3,892,057 3,740,890 3,627,979

South Dakota 94,752,366 96,948,755 96,945,297 699,831 683,922 673,020

Tennessee 910,020,588 885,423,349 851,492,173 4,768,789 4,626,158 4,506,154

Texas 5,284,278,229 5,316,378,800 5,063,721,815 n/a n/a n/a

Utah 518,575,519 484,730,442 450,612,691 2,006,443 1,914,909 1,831,480

Vermont 54,872,443 55,288,229 55,068,954 386,700 376,446 360,591

Virginia 1,371,043,022 1,361,664,423 1,321,507,694 6,499,800 6,414,994 6,298,872

Washington 1,338,808,528 1,306,144,023 1,258,063,719 4,713,408 4,540,504 4,335,329

West Virginia 256,899,391 262,227,833 264,347,029 1,260,548 1,239,992 1,216,386

Wisconsin 733,212,665 744,050,750 738,061,575 3,880,131 3,813,444 3,749,394

Wyoming 60,168,673 59,790,125 59,605,558 459,920 442,578 429,027

Countrywide 55,130,585,583 54,219,505,049 52,287,178,641 194,201,374 189,573,391 185,558,014

CW w/o TX and M 48,456,087,277 47,510,812,718 45,858,450,244 189,713,609 185,088,296 181,137,120

33

2020/2021 Auto Insurance Database Report

Table 6B

Bodily Injury Liability 2018-2020

Voluntary Business

Incurred Losses

Incurred Claims

STATE 2020 2019 2018 2020 2019 2018

Alabama 466,075,441 572,531,271 566,337,716 27,358 33,058 32,286

Alaska 68,375,736 80,495,885 78,896,268 2,797 2,929 3,279

Arizona 806,338,396 1,018,029,155 973,123,205 47,624 61,685 58,082

Arkansas 217,139,467 258,016,390 237,062,464 18,148 20,286 20,043

California 4,165,654,105 5,561,958,626 5,062,619,589 165,176 254,802 247,573

Colorado 637,577,974 870,335,522 839,373,989 22,238 32,568 31,757

Connecticut 477,812,241 687,971,494 650,639,037 18,901 26,310 26,168

Delaware 143,959,189 186,231,373 181,198,686 6,733 8,807 8,884

District of Columbia 51,769,101 63,668,707 68,079,228 3,518 5,064 5,229

Florida 3,460,133,410 4,312,092,599 3,901,945,002 154,658 180,683 171,562

Georgia 2,073,016,621 2,482,961,471 2,222,711,235 110,086 131,355 123,671

Hawaii 44,658,406 59,470,870 58,883,167 1,028 1,705 1,755

Idaho 114,606,213 141,587,107 134,125,068 6,887 8,309 8,371

Illinois 922,026,505 1,206,573,859 1,214,928,648 39,961 56,417 56,940

Indiana 454,187,532 567,489,727 554,657,211 23,215 30,396 30,419

Iowa 168,030,692 205,451,743 195,189,943 9,670 12,578 12,808

Kansas 216,387,268 248,074,844 247,977,351 7,355 9,765 9,462

Kentucky 473,081,300 581,653,194 571,496,114 22,552 29,076 28,602

Louisiana 933,001,041 1,153,769,061 1,127,023,370 61,103 68,553 67,046

Maine 76,875,878 99,803,624 90,422,327 3,471 4,659 4,639

Maryland 718,411,859 989,104,797 975,114,029 49,564 72,108 73,391

Massachusetts 578,849,918 765,362,283 736,793,950 34,775 52,952 53,953

Michigan 471,047,938 508,455,566 490,350,132 8,341 9,998 9,182

Minnesota 290,161,472 336,539,552 339,541,180 7,816 11,557 11,642

Mississippi 267,726,212 319,513,911 320,496,284 16,832 18,927 19,035

Missouri 569,935,374 682,701,233 650,929,076 26,940 33,352 33,254

Montana 79,654,928 96,429,607 90,298,095 3,561 4,139 3,963

Nebraska 140,206,986 158,861,380 166,723,212 7,956 9,877 10,175

Nevada 632,596,377 824,740,404 716,729,688 25,598 33,059 31,431

New Hampshire 76,560,497 107,476,535 102,778,055 3,229 4,694 4,715

New Jersey 759,544,162 1,140,677,841 1,147,249,209 23,246 34,430 31,115

New Mexico 175,603,035 223,090,532 222,741,894 10,147 13,480 13,660

New York 1,897,863,636 2,568,477,832 2,382,293,790 51,331 64,588 64,396

North Carolina 866,121,612 1,048,498,267 959,520,262 70,398 87,178 82,131

North Dakota 27,569,930 31,027,849 32,907,757 960 1,119 1,021

Ohio 751,065,686 967,584,626 973,101,026 54,705 71,472 76,208

Oklahoma 296,416,591 358,079,372 343,386,885 19,976 23,672 22,515

Oregon 374,406,193 515,758,058 515,455,795 20,792 29,756 30,024

Pennsylvania 747,355,769 999,188,239 1,008,577,511 29,841 41,020 42,278

Rhode Island 131,858,821 184,970,378 168,609,623 8,679 11,788 10,919

South Carolina 800,983,674 926,436,225 868,839,777 54,012 63,126 63,565

South Dakota 51,677,014 58,289,210 58,749,966 2,162 2,768 2,849

Tennessee 532,182,568 637,404,893 616,107,329 27,932 34,891 35,117

Texas 3,219,201,490 3,730,210,210 3,458,475,217 n/a n/a n/a

Utah 326,032,012 384,701,232 360,907,848 13,479 18,406 17,607

Vermont 28,382,721 33,047,957 35,760,256 1,311 1,671 1,753

Virginia 752,795,987 1,033,940,383 1,007,761,484 44,831 62,969 63,449

Washington 678,642,403 952,893,373 969,594,219 32,737 47,843 49,751

West Virginia 135,190,730 182,659,554 184,970,234 6,812 9,374 9,955

Wisconsin 413,219,831 491,228,931 501,815,288 15,814 20,644 21,426

Wyoming 40,825,246 45,057,800 40,424,947 1,583 1,921 1,914

Countrywide 32,802,797,188 41,660,574,552 39,423,693,636 1,427,839 1,871,784 1,840,970

CW w/o TX and M 29,004,745,780 37,165,002,059 35,228,424,469 1,393,064 1,818,832 1,787,017

34

2020/2021 Auto Insurance Database Report

Table 6C

Bodily Injury Liability 2018-2020

Voluntary Business

Pure Premium

Loss Ratio

STATE 2020 2019 2018 2020 2019 2018

Alabama 121.36 153.75 154.04 55.56 71.14 74.60

Alaska 140.34 171.00 171.95 63.34 76.13 75.20

Arizona 169.51 225.03 225.38 55.89 74.25 76.93

Arkansas 109.95 136.77 128.17 59.06 72.96 69.43

California 149.10 200.85 186.19 55.08 74.20 69.75

Colorado 155.88 218.58 216.14 53.85 76.24 78.02

Connecticut 226.03 334.93 330.81 52.93 78.39 78.91

Delaware 216.22 293.19 298.03 64.17 83.81 84.98

District of Columbia 209.48 262.14 284.74 63.51 78.89 87.78

Florida 267.62 345.31 320.87 73.49 95.69 88.83

Georgia 290.39 359.06 330.20 69.57 86.92 84.69

Hawaii 51.35 69.33 70.01 42.01 55.24 54.90

Idaho 93.29 123.41 122.21 52.55 69.03 68.95

Illinois 132.42 175.30 179.32 55.88 73.13 74.93

Indiana 97.44 124.29 123.17 53.61 67.44 66.90

Iowa 68.75 85.74 82.55 54.63 65.67 63.30

Kansas 99.24 116.78 118.77 62.98 74.49 78.09

Kentucky 154.02 192.65 192.59 63.71 78.09 78.42

Louisiana 324.95 410.10 407.84 60.32 73.72 74.94

Maine 90.74 122.38 114.87 59.88 78.21 71.72

Maryland 172.38 241.84 242.81 59.48 83.42 84.76

Massachusetts 128.98 170.65 166.66 41.64 54.97 53.98

Michigan 84.39 92.91 90.68 52.52 61.92 62.08

Minnesota 72.62 85.60 87.46 54.22 63.48 66.01

Mississippi 141.89 173.63 177.03 63.37 78.10 81.36

Missouri 146.13 180.29 174.47 62.84 76.02 75.05

Montana 97.22 123.48 120.63 53.51 66.51 64.52

Nebraska 90.58 104.85 111.62 53.94 59.89 63.63

Nevada 312.50 430.48 393.66 61.70 84.36 81.03

New Hampshire 84.86 121.94 119.83 50.89 71.75 70.26

New Jersey 169.11 261.84 269.70 58.42 88.72 91.04

New Mexico 117.65 155.83 161.80 52.71 67.15 71.40

New York 221.67 304.98 285.09 68.63 94.88 89.81

North Carolina 114.36 145.45 136.84 67.77 84.19 78.72

North Dakota 45.71 52.44 56.23 54.91 61.10 64.13

Ohio 96.13 125.26 127.39 52.47 66.26 67.35

Oklahoma 111.94 141.02 138.83 54.48 66.62 65.10

Oregon 129.74 186.02 192.45 52.09 70.90 70.65

Pennsylvania 90.05 122.10 124.45 55.75 72.91 73.58

Rhode Island 208.90 301.18 283.98 52.43 76.39 72.42

South Carolina 205.80 247.65 239.48 63.59 76.58 76.23

South Dakota 73.84 85.23 87.29 54.54 60.12 60.60

Tennessee 111.60 137.78 136.73 58.48 71.99 72.36

Texas n/a n/a n/a 60.92 70.16 68.30

Utah 162.49 200.90 197.06 62.87 79.36 80.09

Vermont 73.40 87.79 99.17 51.72 59.77 64.94

Virginia 115.82 161.18 159.99 54.91 75.93 76.26

Washington 143.98 209.87 223.65 50.69 72.95 77.07

West Virginia 107.25 147.31 152.07 52.62 69.66 69.97

Wisconsin 106.50 128.82 133.84 56.36 66.02 67.99

Wyoming 88.77 101.81 94.22 67.85 75.36 67.82

Countrywide 168.91 219.76 212.46 59.50 76.84 75.40

CW w/o TX and MA 152.89 200.80 194.48 59.86 78.22 76.82

35

2020/2021 Auto Insurance Database Report

Table 6D

Bodily Injury Liability 2018-2020

Voluntary Business

Frequency

Severity

STATE 2020 2019 2018 2020 2019 2018

Alabama 0.71 0.89 0.88 17,036.17 17,318.99 17,541.28

Alaska 0.57 0.62 0.71 24,446.10 27,482.38 24,061.08

Arizona 1.00 1.36 1.35 16,931.35 16,503.67 16,754.30

Arkansas 0.92 1.08 1.08 11,964.93 12,718.94 11,827.69

California 0.59 0.92 0.91 25,219.49 21,828.55 20,449.00

Colorado 0.54 0.82 0.82 28,670.65 26,723.64 26,431.15

Connecticut 0.89 1.28 1.33 25,279.73 26,148.67 24,863.92

Delaware 1.01 1.39 1.46 21,381.14 21,145.84 20,396.07

District of Columbia 1.42 2.08 2.19 14,715.49 12,572.81 13,019.55

Florida 1.20 1.45 1.41 22,372.81 23,865.51 22,743.64

Georgia 1.54 1.90 1.84 18,830.88 18,902.68 17,972.78

Hawaii 0.12 0.20 0.21 43,442.03 34,880.28 33,551.66

Idaho 0.56 0.72 0.76 16,640.95 17,040.21 16,022.59

Illinois 0.57 0.82 0.84 23,073.16 21,386.71 21,337.00

Indiana 0.50 0.67 0.68 19,564.40 18,669.88 18,233.91

Iowa 0.40 0.52 0.54 17,376.49 16,334.21 15,239.69

Kansas 0.34 0.46 0.45 29,420.43 25,404.49 26,207.71

Kentucky 0.73 0.96 0.96 20,977.35 20,004.58 19,980.98

Louisiana 2.13 2.44 2.43 15,269.32 16,830.32 16,809.70

Maine 0.41 0.57 0.59 22,148.05 21,421.68 19,491.77

Maryland 1.19 1.76 1.83 14,494.63 13,716.99 13,286.56

Massachusetts 0.77 1.18 1.22 16,645.58 14,453.89 13,656.22

Michigan 0.15 0.18 0.17 56,473.80 50,855.73 53,403.41

Minnesota 0.20 0.29 0.30 37,124.04 29,119.98 29,165.19

Mississippi 0.89 1.03 1.05 15,905.79 16,881.38 16,837.21

Missouri 0.69 0.88 0.89 21,155.73 20,469.57 19,574.46

Montana 0.43 0.53 0.53 22,368.70 23,297.80 22,785.29

Nebraska 0.51 0.65 0.68 17,622.80 16,083.97 16,385.57

Nevada 1.26 1.73 1.73 24,712.73 24,947.53 22,803.27

New Hampshire 0.36 0.53 0.55 23,710.28 22,896.58 21,798.10

New Jersey 0.52 0.79 0.73 32,674.19 33,130.35 36,871.26

New Mexico 0.68 0.94 0.99 17,305.91 16,549.74 16,306.14

New York 0.60 0.77 0.77 36,973.05 39,767.11 36,994.44

North Carolina 0.93 1.21 1.17 12,303.21 12,027.10 11,682.80

North Dakota 0.16 0.19 0.17 28,718.68 27,728.19 32,230.91

Ohio 0.70 0.93 1.00 13,729.38 13,537.95 12,769.01

Oklahoma 0.75 0.93 0.91 14,838.64 15,126.71 15,251.47

Oregon 0.72 1.07 1.12 18,007.22 17,332.91 17,168.13

Pennsylvania 0.36 0.50 0.52 25,044.60 24,358.56 23,855.85

Rhode Island 1.37 1.92 1.84 15,192.86 15,691.41 15,441.86

South Carolina 1.39 1.69 1.75 14,829.74 14,675.98 13,668.52

South Dakota 0.31 0.40 0.42 23,902.41 21,058.24 20,621.26

Tennessee 0.59 0.75 0.78 19,052.79 18,268.46 17,544.42

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

Utah 0.67 0.96 0.96 24,188.15 20,900.86 20,497.98

Vermont 0.34 0.44 0.49 21,649.67 19,777.35 20,399.46

Virginia 0.69 0.98 1.01 16,791.86 16,419.83 15,883.02

Washington 0.69 1.05 1.15 20,730.13 19,917.09 19,488.94

West Virginia 0.54 0.76 0.82 19,845.97 19,485.76 18,580.64

Wisconsin 0.41 0.54 0.57 26,130.00 23,795.24 23,420.86

Wyoming 0.34 0.43 0.45 25,789.80 23,455.39 21,120.66

Countrywide 0.74 0.99 0.99 22,973.74 22,257.15 21,414.63

CW w/o TX and MA 0.73 0.98 0.99 20,820.83 20,433.44 19,713.54

36

2020/2021 Auto Insurance Database Report

Table 7A

Bodily Injury Liability 2018-2020

Residual Business

Earned Premiums

Earned Exposures

STATE 2020 2019 2018 2020 2019 2018

Alabama 2,093 606 4,042 3 0 4

Alaska 1,905 1,533 3,495 4 4 5

Arizona 0 0 0 0 0 0

Arkansas 668 4,242 1,149 0 1 1

California 4,848,201 4,999,354 4,367,943 24,576 23,411 21,040

Colorado 1,613 1,615 5,427 2 3 3

Connecticut 75,320 116,823 144,649 60 93 152

Delaware 2,771 5,277 3,263 2 1 2

District of Columbia 133,881 202,365 170,342 120 187 163

Florida 56,446 73,343 221,850 39 66 189

Georgia 0 0 0 0 0 0

Hawaii 282,537 402,856 512,629 294 418 533

Idaho 9 63 0 0 0 0

Illinois 45,690 76,208 96,523 78 132 176

Indiana 625 3,318 3,633 4 8 4

Iowa 2,261 5,200 3,995 6 10 8

Kansas 233,819 270,483 328,189 722 851 1,103

Kentucky 71,499 203,899 415,963 47 198 461

Louisiana 34,338 33,045 37,298 18 23 23

Maine 2,016 1,390 5,139 3 1 4

Maryland 22,501,945 26,358,365 26,379,471 34,204 41,557 43,097

Massachusetts 23,360,088 29,917,662 32,209,648 35,486 46,546 52,335

Michigan 222,053 447,978 855,595 826 1,614 3,093

Minnesota 3,415 3,955 3,587 3 3 5

Mississippi 0 0 3,484 0 0 2

Missouri 5,696 15,590 17,123 5 13 19

Montana 2,914 620 1,313 5 1 4

Nebraska 2,553 7,246 11,786 4 8 11

Nevada 0 865 316 0 1 0

New Hampshire 10,619 16,539 17,239 15 18 18

New Jersey 1,944,317 2,391,517 2,480,328 1,467 1,815 1,928

New Mexico 1,811 1,658 2,447 2 3 4

New York 20,600,634 26,685,196 26,297,906 28,213 39,123 44,627

North Carolina 551,872 203,972 0 2,347 896 0

North Dakota 387 56 231 2 0 1

Ohio 8,785 8,073 9,875 4 4 3

Oklahoma 2,078 7,370 5,921 3 8 11

Oregon 4,688 7,128 10,633 3 5 6

Pennsylvania 1,297,999 1,515,776 1,512,249 4,974 5,880 6,039

Rhode Island 10,375,364 14,335,269 16,871,703 8,346 12,937 17,207

South Carolina 1,177 5,969 25,130 2 3 16

South Dakota 2,217 4,575 1,058 2 4 0

Tennessee 2,980 3,239 3,998 2 2 3

Texas 581,739 810,552 986,585 n/a n/a n/a

Utah 4,051 1,148 2,328 2 2 2

Vermont 6,703 9,546 4,631 15 18 8

Virginia 127,462 202,365 212,792 187 309 346

Washington 7,949 15,007 14,579 4 6 6

West Virginia 6,817 10,764 10,494 12 18 16

Wisconsin 6,145 11,699 5,333 4 6 3

Wyoming 959 650 72 2 1 0

Countrywide 87,441,109 109,401,969 114,283,384 142,119 176,208 192,681

CW w/o TX and MA 63,499,282 78,673,755 81,087,151 106,633 129,662 140,346

37

2020/2021 Auto Insurance Database Report

Table 7B

Bodily Injury Liability 2018-2020

Residual Business

Incurred Losses

Incurred Claims

STATE 2020 2019 2018 2020 2019 2018

Alabama 0 0 0 0 0 0

Alaska 0 0 0 0 0 0

Arizona 0 0 0 0 0 0

Arkansas 0 0 0 0 0 0

California 3,163,596 4,236,635 3,469,710 291 428 382

Colorado 2,965 14,712 0 1 1 0

Connecticut 70,310 25,478 106,067 6 2 8

Delaware 0 0 0 0 0 0

District of Columbia 310,209 247,130 125,095 18 21 10

Florida 0 52,190 61,814 0 5 5

Georgia 0 0 0 0 0 0

Hawaii 121,851 86,419 265,007 11 19 29

Idaho 0 0 0 0 0 0

Illinois 0 529 198,652 0 1 10

Indiana 6,107 0 0 1 0 0

Iowa 0 0 0 0 0 0

Kansas 118,829 150,186 145,806 8 9 9

Kentucky 67,586 175,251 602,809 4 13 34

Louisiana 0 38,003 42,505 0 2 4

Maine 0 0 0 0 0 0

Maryland 19,552,561 25,263,577 27,191,429 1,829 2,591 2,945

Massachusetts 12,973,202 24,198,307 25,710,749 1,103 2,076 2,354

Michigan 158,115 284,476 238,077 5 6 10

Minnesota 0 0 0 0 0 0

Mississippi 0 0 0 0 0 0

Missouri 0 22,124 7,628 0 2 2

Montana 0 0 0 0 0 0

Nebraska 3,774 1,161 45,266 1 1 3

Nevada 0 0 0 0 0 0

New Hampshire 0 35,071 0 0 2 0

New Jersey 1,683,277 2,079,342 2,366,711 99 88 99

New Mexico 0 0 0 0 0 0

New York 15,684,487 29,863,039 34,986,452 776 1,449 1,528

North Carolina 444,720 222,834 45,383 4 4 1

North Dakota 0 0 0 0 0 0

Ohio 0 0 0 0 0 0

Oklahoma 0 0 0 0 0 0

Oregon 0 0 0 0 0 0

Pennsylvania 1,703,427 1,621,647 1,417,760 91 120 97

Rhode Island 7,669,041 12,137,349 12,547,936 598 959 1,096

South Carolina 0 0 0 0 0 0

South Dakota 0 0 0 0 0 0

Tennessee 0 0 0 0 0 0

Texas 587,969 610,030 674,605 n/a n/a n/a

Utah 0 0 0 0 0 0

Vermont 0 0 1,977 0 0 1

Virginia 1,980 202,241 85,037 2 13 10

Washington 0 26,520 34,458 0 3 1

West Virginia 0 0 1,416 0 0 1

Wisconsin 0 4,637 6,410 0 1 1

Wyoming 0 0 0 0 0 0

Countrywide 64,324,006 101,598,888 110,378,759 4,848 7,816 8,640

CW w/o TX and MA 50,762,835 76,790,551 83,993,405 3,745 5,740 6,286

38

2020/2021 Auto Insurance Database Report

Table 7C

Bodily Injury Liability 2018-2020

Residual Business

Pure Premium

Loss Ratio

STATE 2020 2019 2018 2020 2019 2018

Alabama 0.00 - 0.00 0.00 0.00 0.00

Alaska 0.00 0.00 0.00 0.00 0.00 0.00

Arizona - - - - - -

Arkansas - 0.00 0.00 0.00 0.00 0.00

California 128.73 180.97 164.91 65.25 84.74 79.44

Colorado 1,482.50 4,904.00 0.00 183.82 910.96 0.00

Connecticut 1,171.83 273.96 697.81 93.35 21.81 73.33

Delaware 0.00 0.00 0.00 0.00 0.00 0.00

District of Columbia 2,585.08 1,321.55 767.45 231.71 122.12 73.44

Florida 0.00 790.76 327.06 0.00 71.16 27.86

Georgia - - - - - -

Hawaii 414.46 206.74 497.20 43.13 21.45 51.70

Idaho - - - 0.00 0.00 -

Illinois 0.00 4.01 1,128.70 0.00 0.69 205.81

Indiana 1,526.75 0.00 0.00 977.12 0.00 0.00

Iowa 0.00 0.00 0.00 0.00 0.00 0.00

Kansas 164.58 176.48 132.19 50.82 55.53 44.43

Kentucky 1,438.00 885.11 1,307.61 94.53 85.95 144.92

Louisiana 0.00 1,652.30 1,848.04 0.00 115.00 113.96

Maine 0.00 0.00 0.00 0.00 0.00 0.00

Maryland 571.65 607.93 630.94 86.89 95.85 103.08

Massachusetts 365.59 519.88 491.27 55.54 80.88 79.82

Michigan 191.42 176.26 76.97 71.21 63.50 27.83

Minnesota 0.00 0.00 0.00 0.00 0.00 0.00

Mississippi - - 0.00 - - 0.00

Missouri 0.00 1,701.85 401.47 0.00 141.91 44.55

Montana 0.00 0.00 0.00 0.00 0.00 0.00

Nebraska 943.50 145.13 4,115.09 147.83 16.02 384.07

Nevada - 0.00 - - 0.00 0.00

New Hampshire 0.00 1,948.39 0.00 0.00 212.05 0.00

New Jersey 1,147.43 1,145.64 1,227.55 86.57 86.95 95.42

New Mexico 0.00 0.00 0.00 0.00 0.00 0.00

New York 555.93 763.31 783.97 76.14 111.91 133.04

North Carolina 189.48 248.70 - 80.58 109.25 -

North Dakota 0.00 - 0.00 0.00 0.00 0.00

Ohio 0.00 0.00 0.00 0.00 0.00 0.00

Oklahoma 0.00 0.00 0.00 0.00 0.00 0.00

Oregon 0.00 0.00 0.00 0.00 0.00 0.00

Pennsylvania 342.47 275.79 234.77 131.23 106.98 93.75

Rhode Island 918.89 938.19 729.23 73.92 84.67 74.37

South Carolina 0.00 0.00 0.00 0.00 0.00 0.00

South Dakota 0.00 0.00 - 0.00 0.00 0.00

Tennessee 0.00 0.00 0.00 0.00 0.00 0.00

Texas n/a n/a n/a 101.07 75.26 68.38

Utah 0.00 0.00 0.00 0.00 0.00 0.00

Vermont 0.00 0.00 247.13 0.00 0.00 42.69

Virginia 10.59 654.50 245.77 1.55 99.94 39.96

Washington 0.00 4,420.00 5,743.00 0.00 176.72 236.35

West Virginia 0.00 0.00 88.50 0.00 0.00 13.49

Wisconsin 0.00 772.83 2,136.67 0.00 39.64 120.20

Wyoming 0.00 0.00 - 0.00 0.00 0.00

Countrywide 452.61 576.58 572.86 73.56 92.87 96.58

CW w/o TX and MA 476.05 592.24 598.47 79.94 97.61 103.58

39

2020/2021 Auto Insurance Database Report

Table 7D

Bodily Injury Liability 2018-2020

Residual Business

Frequency

Severity

STATE 2020 2019 2018 2020 2019 2018

Alabama 0.00 - 0.00 - - -

Alaska 0.00 0.00 0.00 - - -

Arizona - - - - - -

Arkansas - 0.00 0.00 - - -

California 1.18 1.83 1.82 10,871.46 9,898.68 9,083.01

Colorado 50.00 33.33 0.00 2,965.00 14,712.00 -

Connecticut 10.00 2.15 5.26 11,718.33 12,739.00 13,258.38

Delaware 0.00 0.00 0.00 - - -

District of Columbia 15.00 11.23 6.13 17,233.83 11,768.10 12,509.50

Florida 0.00 7.58 2.65 - 10,438.00 12,362.80

Georgia - - - - - -

Hawaii 3.74 4.55 5.44 11,077.36 4,548.37 9,138.17

Idaho - - - - - -

Illinois 0.00 0.76 5.68 - 529.00 19,865.20

Indiana 25.00 0.00 0.00 6,107.00 - -

Iowa 0.00 0.00 0.00 - - -

Kansas 1.11 1.06 0.82 14,853.63 16,687.33 16,200.67

Kentucky 8.51 6.57 7.38 16,896.50 13,480.85 17,729.68

Louisiana 0.00 8.70 17.39 - 19,001.50 10,626.25

Maine 0.00 0.00 0.00 - - -

Maryland 5.35 6.23 6.83 10,690.30 9,750.51 9,233.08

Massachusetts 3.11 4.46 4.50 11,761.74 11,656.22 10,922.15

Michigan 0.61 0.37 0.32 31,623.00 47,412.67 23,807.70

Minnesota 0.00 0.00 0.00 - - -

Mississippi - - 0.00 - - -

Missouri 0.00 15.38 10.53 - 11,062.00 3,814.00

Montana 0.00 0.00 0.00 - - -

Nebraska 25.00 12.50 27.27 3,774.00 1,161.00 15,088.67

Nevada - 0.00 - - - -

New Hampshire 0.00 11.11 0.00 - 17,535.50 -

New Jersey 6.75 4.85 5.13 17,002.80 23,628.89 23,906.17

New Mexico 0.00 0.00 0.00 - - -

New York 2.75 3.70 3.42 20,211.97 20,609.41 22,896.89

North Carolina 0.17 0.45 - 111,180.00 55,708.50 45,383.00

North Dakota 0.00 - 0.00 - - -

Ohio 0.00 0.00 0.00 - - -

Oklahoma 0.00 0.00 0.00 - - -

Oregon 0.00 0.00 0.00 - - -

Pennsylvania 1.83 2.04 1.61 18,718.98 13,513.73 14,616.08

Rhode Island 7.17 7.41 6.37 12,824.48 12,656.26 11,448.85

South Carolina 0.00 0.00 0.00 - - -

South Dakota 0.00 0.00 - - - -

Tennessee 0.00 0.00 0.00 - - -

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

Utah 0.00 0.00 0.00 - - -

Vermont 0.00 0.00 12.50 - - 1,977.00

Virginia 1.07 4.21 2.89 990.00 15,557.00 8,503.70

Washington 0.00 50.00 16.67 - 8,840.00 34,458.00

West Virginia 0.00 0.00 6.25 - - 1,416.00

Wisconsin 0.00 16.67 33.33 - 4,637.00 6,410.00

Wyoming 0.00 0.00 - - - -

Countrywide 3.41 4.44 4.48 13,268.15 12,998.83 12,775.32

CW w/o TX and MA 3.51 4.43 4.48 13,554.83 13,378.14 13,361.98

40

2020/2021 Auto Insurance Database Report

Table 8A

Bodily Injury Liability 2018-2020

Total Business

Earned Premiums

Earned Exposures

STATE 2020 2019 2018 2020 2019 2018

Alabama 838,942,327 804,762,921 759,152,364 3,840,308 3,723,860 3,676,583

Alaska 107,949,694 105,733,150 104,918,840 487,213 470,742 458,843

Arizona 1,442,820,492 1,371,145,218 1,264,881,560 4,756,829 4,523,914 4,317,624

Arkansas 367,688,047 353,654,542 341,446,463 1,974,945 1,886,497 1,849,646

California 7,567,627,358 7,500,603,902 7,262,949,283 27,963,525 27,715,581 27,211,007

Colorado 1,184,043,095 1,141,636,411 1,075,820,919 4,090,265 3,981,742 3,883,443

Connecticut 902,838,663 877,705,135 824,641,934 2,113,967 2,054,147 1,966,944

Delaware 224,348,859 222,202,472 213,228,045 665,787 635,181 607,983

District of Columbia 81,652,472 80,905,669 77,725,049 247,257 243,068 239,256

Florida 4,708,257,091 4,506,543,592 4,392,719,093 12,929,358 12,487,809 12,160,572

Georgia 2,979,656,559 2,856,612,193 2,624,458,558 7,138,662 6,915,261 6,731,412

Hawaii 106,585,211 108,065,006 107,773,568 869,993 858,225 841,625

Idaho 218,072,707 205,098,888 194,537,873 1,228,457 1,147,274 1,097,489

Illinois 1,650,000,419 1,650,014,008 1,621,589,787 6,963,054 6,883,136 6,775,500

Indiana 847,167,405 841,441,034 829,133,776 4,661,200 4,565,745 4,503,103

Iowa 307,560,976 312,844,721 308,354,850 2,444,263 2,396,237 2,364,382

Kansas 343,793,157 333,316,783 317,883,153 2,181,266 2,125,149 2,088,925

Kentucky 742,604,841 745,079,628 729,187,098 3,071,619 3,019,409 2,967,945

Louisiana 1,546,890,738 1,565,097,128 1,503,851,701 2,871,207 2,813,386 2,763,423

Maine 128,382,072 127,606,959 126,085,732 847,239 815,497 787,209

Maryland 1,230,338,764 1,212,097,344 1,176,753,096 4,201,754 4,131,524 4,058,985

Massachusetts 1,413,580,165 1,422,231,193 1,397,216,230 4,523,251 4,531,641 4,473,229

Michigan 897,187,896 821,598,483 790,766,675 5,582,726 5,474,222 5,410,686

Minnesota 535,184,298 530,187,470 514,394,047 3,995,817 3,931,652 3,882,237

Mississippi 422,472,711 409,083,987 393,905,084 1,886,856 1,840,159 1,810,358

Missouri 906,966,418 898,121,473 867,368,861 3,900,074 3,786,650 3,730,811

Montana 148,874,993 144,985,006 139,958,923 819,325 780,921 748,560

Nebraska 259,932,927 265,280,414 262,016,391 1,547,858 1,515,162 1,493,693

Nevada 1,025,269,985 977,665,759 884,541,836 2,024,281 1,915,859 1,820,678

New Hampshire 150,455,980 149,808,260 146,308,437 902,201 881,402 857,690

New Jersey 1,302,105,787 1,288,064,413 1,262,600,630 4,492,777 4,358,185 4,255,775

New Mexico 333,173,939 332,238,416 311,947,209 1,492,561 1,431,651 1,376,639

New York 2,785,802,365 2,733,721,348 2,678,788,006 8,589,974 8,460,839 8,400,776

North Carolina 1,278,637,616 1,245,661,130 1,218,960,991 7,575,739 7,209,435 7,011,942

North Dakota 50,210,976 50,785,698 51,316,417 603,091 591,722 585,277

Ohio 1,431,391,491 1,460,344,704 1,444,910,036 7,813,406 7,724,607 7,638,740

Oklahoma 544,104,153 537,491,413 527,511,683 2,648,005 2,539,185 2,473,431

Oregon 718,777,829 727,404,180 729,606,023 2,885,878 2,772,641 2,678,414

Pennsylvania 1,341,772,857 1,372,037,816 1,372,141,598 8,304,088 8,188,987 8,110,278

Rhode Island 261,889,404 256,472,872 249,692,786 639,558 627,089 610,950

South Carolina 1,259,635,509 1,209,840,005 1,139,749,045 3,892,059 3,740,893 3,627,995

South Dakota 94,754,583 96,953,330 96,946,355 699,833 683,926 673,020

Tennessee 910,023,568 885,426,588 851,496,171 4,768,791 4,626,160 4,506,157

Texas 5,284,859,968 5,317,189,352 5,064,708,400 n/a n/a n/a

Utah 518,579,570 484,731,590 450,615,019 2,006,445 1,914,911 1,831,482

Vermont 54,879,146 55,297,775 55,073,585 386,715 376,464 360,599

Virginia 1,371,170,484 1,361,866,788 1,321,720,486 6,499,987 6,415,303 6,299,218

Washington 1,338,816,477 1,306,159,030 1,258,078,298 4,713,412 4,540,510 4,335,335

West Virginia 256,906,208 262,238,597 264,357,523 1,260,560 1,240,010 1,216,402

Wisconsin 733,218,810 744,062,449 738,066,908 3,880,135 3,813,450 3,749,397

Wyoming 60,169,632 59,790,775 59,605,630 459,922 442,579 429,027

Countrywide 55,218,026,692 54,328,907,018 52,401,462,025 194,343,493 189,749,599 185,750,695

CW w/o TX and MA 48,519,586,559 47,589,486,473 45,939,537,395 189,820,242 185,217,958 181,277,466

41

2020/2021 Auto Insurance Database Report

Table 8B

Bodily Injury Liability 2018-2020

Total Business

Incurred Losses

Incurred Claims

STATE 2020

2019 2018 2020 2019 2018

Alabama 466,075,441 572,531,271 566,337,716 27,358 33,058 32,286

Alaska 68,375,736 80,495,885 78,896,268 2,797 2,929 3,279

Arizona 806,338,396 1,018,029,155 973,123,205 47,624 61,685 58,082

Arkansas 217,139,467 258,016,390 237,062,464 18,148 20,286 20,043

California 4,168,817,701 5,566,195,261 5,066,089,299 165,467 255,230 247,955

Colorado 637,580,939 870,350,234 839,373,989 22,239 32,569 31,757

Connecticut 477,882,551 687,996,972 650,745,104 18,907 26,312 26,176

Delaware 143,959,189 186,231,373 181,198,686 6,733 8,807 8,884

District of Columbia 52,079,310 63,915,837 68,204,323 3,536 5,085 5,239

Florida 3,460,133,410 4,312,144,789 3,902,006,816 154,658 180,688 171,567

Georgia 2,073,016,621 2,482,961,471 2,222,711,235 110,086 131,355 123,671

Hawaii 44,780,257 59,557,289 59,148,174 1,039 1,724 1,784

Idaho 114,606,213 141,587,107 134,125,068 6,887 8,309 8,371

Illinois 922,026,505 1,206,574,388 1,215,127,300 39,961 56,418 56,950

Indiana 454,193,639 567,489,727 554,657,211 23,216 30,396 30,419

Iowa 168,030,692 205,451,743 195,189,943 9,670 12,578 12,808

Kansas 216,506,097 248,225,030 248,123,157 7,363 9,774 9,471

Kentucky 473,148,886 581,828,445 572,098,923 22,556 29,089 28,636

Louisiana 933,001,041 1,153,807,064 1,127,065,875 61,103 68,555 67,050

Maine 76,875,878 99,803,624 90,422,327 3,471 4,659 4,639

Maryland 737,964,420 1,014,368,374 1,002,305,458 51,393 74,699 76,336

Massachusetts 591,823,120 789,560,590 762,504,699 35,878 55,028 56,307

Michigan 471,206,053 508,740,042 490,588,209 8,346 10,004 9,192

Minnesota 290,161,472 336,539,552 339,541,180 7,816 11,557 11,642

Mississippi 267,726,212 319,513,911 320,496,284 16,832 18,927 19,035

Missouri 569,935,374 682,723,357 650,936,704 26,940 33,354 33,256

Montana 79,654,928 96,429,607 90,298,095 3,561 4,139 3,963

Nebraska 140,210,760 158,862,541 166,768,478 7,957 9,878 10,178

Nevada 632,596,377 824,740,404 716,729,688 25,598 33,059 31,431

New Hampshire 76,560,497 107,511,606 102,778,055 3,229 4,696 4,715

New Jersey 761,227,439 1,142,757,183 1,149,615,920 23,345 34,518 31,214

New Mexico 175,603,035 223,090,532 222,741,894 10,147 13,480 13,660

New York 1,913,548,123 2,598,340,871 2,417,280,242 52,107 66,037 65,924

North Carolina 866,566,332 1,048,721,101 959,565,645 70,402 87,182 82,132

North Dakota 27,569,930 31,027,849 32,907,757 960 1,119 1,021

Ohio 751,065,686 967,584,626 973,101,026 54,705 71,472 76,208

Oklahoma 296,416,591 358,079,372 343,386,885 19,976 23,672 22,515

Oregon 374,406,193 515,758,058 515,455,795 20,792 29,756 30,024

Pennsylvania 749,059,196 1,000,809,886 1,009,995,271 29,932 41,140 42,375

Rhode Island 139,527,862 197,107,727 181,157,559 9,277 12,747 12,015

South Carolina 800,983,674 926,436,225 868,839,777 54,012 63,126 63,565

South Dakota 51,677,014 58,289,210 58,749,966 2,162 2,768 2,849

Tennessee 532,182,568 637,404,893 616,107,329 27,932 34,891 35,117

Texas 3,219,789,459 3,730,820,240 3,459,149,822 n/a n/a n/a

Utah 326,032,012 384,701,232 360,907,848 13,479 18,406 17,607

Vermont 28,382,721 33,047,957 35,762,233 1,311 1,671 1,754

Virginia 752,797,967 1,034,142,624 1,007,846,521 44,833 62,982 63,459

Washington 678,642,403 952,919,893 969,628,677 32,737 47,846 49,752

West Virginia 135,190,730 182,659,554 184,971,650 6,812 9,374 9,956

Wisconsin 413,219,831 491,233,568 501,821,698 15,814 20,645 21,427

Wyoming 40,825,246 45,057,800 40,424,947 1,583 1,921 1,914

Countrywide 32,867,121,194 41,762,173,440 39,534,072,395 1,432,687 1,879,600 1,849,610

CW w/o TX and MA 29,055,508,615 37,241,792,610 35,312,417,874 1,396,809 1,824,572 1,793,303

42

2020/2021 Auto Insurance Database Report

Table 8C

Bodily Injury Liability 2018-2020

Total Business

Pure Premiums

Loss Ratio

STATE 2020 2019 2018 2020 2019 2018

Alabama 121.36 153.75 154.04 55.56 71.14 74.60

Alaska 140.34 171.00 171.95 63.34 76.13 75.20

Arizona 169.51 225.03 225.38 55.89 74.25 76.93

Arkansas 109.95 136.77 128.17 59.06 72.96 69.43

California 149.08 200.83 186.18 55.09 74.21 69.75

Colorado 155.88 218.59 216.14 53.85 76.24 78.02

Connecticut 226.06 334.93 330.84 52.93 78.39 78.91

Delaware 216.22 293.19 298.03 64.17 83.81 84.98

District of Columbia 210.63 262.95 285.07 63.78 79.00 87.75

Florida 267.62 345.31 320.87 73.49 95.69 88.83

Georgia 290.39 359.06 330.20 69.57 86.92 84.69

Hawaii 51.47 69.40 70.28 42.01 55.11 54.88

Idaho 93.29 123.41 122.21 52.55 69.03 68.95

Illinois 132.42 175.29 179.34 55.88 73.13 74.93

Indiana 97.44 124.29 123.17 53.61 67.44 66.90

Iowa 68.74 85.74 82.55 54.63 65.67 63.30

Kansas 99.26 116.80 118.78 62.98 74.47 78.05

Kentucky 154.04 192.70 192.76 63.71 78.09 78.46

Louisiana 324.95 410.11 407.85 60.31 73.72 74.95

Maine 90.74 122.38 114.86 59.88 78.21 71.71

Maryland 175.63 245.52 246.93 59.98 83.69 85.18

Massachusetts 130.84 174.23 170.46 41.87 55.52 54.57

Michigan 84.40 92.93 90.67 52.52 61.92 62.04

Minnesota 72.62 85.60 87.46 54.22 63.48 66.01

Mississippi 141.89 173.63 177.03 63.37 78.10 81.36

Missouri 146.13 180.30 174.48 62.84 76.02 75.05

Montana 97.22 123.48 120.63 53.50 66.51 64.52

Nebraska 90.58 104.85 111.65 53.94 59.88 63.65

Nevada 312.50 430.48 393.66 61.70 84.36 81.03

New Hampshire 84.86 121.98 119.83 50.89 71.77 70.25

New Jersey 169.43 262.21 270.13 58.46 88.72 91.05

New Mexico 117.65 155.83 161.80 52.71 67.15 71.40

New York 222.77 307.10 287.74 68.69 95.05 90.24

North Carolina 114.39 145.47 136.85 67.77 84.19 78.72

North Dakota 45.71 52.44 56.23 54.91 61.10 64.13

Ohio 96.13 125.26 127.39 52.47 66.26 67.35

Oklahoma 111.94 141.02 138.83 54.48 66.62 65.10

Oregon 129.74 186.02 192.45 52.09 70.90 70.65

Pennsylvania 90.20 122.21 124.53 55.83 72.94 73.61

Rhode Island 218.16 314.32 296.52 53.28 76.85 72.55

South Carolina 205.80 247.65 239.48 63.59 76.58 76.23

South Dakota 73.84 85.23 87.29 54.54 60.12 60.60

Tennessee 111.60 137.78 136.73 58.48 71.99 72.36

Texas n/a n/a n/a 60.92 70.17 68.30

Utah 162.49 200.90 197.06 62.87 79.36 80.09

Vermont 73.39 87.79 99.17 51.72 59.76 64.94

Virginia 115.82 161.20 160.00 54.90 75.94 76.25

Washington 143.98 209.87 223.66 50.69 72.96 77.07

West Virginia 107.25 147.30 152.06 52.62 69.65 69.97

Wisconsin 106.50 128.82 133.84 56.36 66.02 67.99

Wyoming 88.77 101.81 94.22 67.85 75.36 67.82

Countrywide 169.12 220.09 212.83 59.52 76.87 75.44

CW w/o TX and MA 153.07 201.07 194.80 59.88 78.26 76.87

43

2020/2021 Auto Insurance Database Report

Table 8D

Bodily Injury Liability 2018-2020

Total Business

Frequency

Severity

STATE

2020

2019

2018

2020

2019

2018

Alabama 0.71 0.89 0.88 17,036.17 17,318.99 17,541.28

Alaska 0.57 0.62 0.71 24,446.10 27,482.38 24,061.08

Arizona 1.00 1.36 1.35 16,931.35 16,503.67 16,754.30

Arkansas 0.92 1.08 1.08 11,964.93 12,718.94 11,827.69

California 0.59 0.92 0.91 25,194.25 21,808.55 20,431.49

Colorado 0.54 0.82 0.82 28,669.50 26,723.27 26,431.15

Connecticut 0.89 1.28 1.33 25,275.43 26,147.65 24,860.37

Delaware 1.01 1.39 1.46 21,381.14 21,145.84 20,396.07

District of Columbia 1.43 2.09 2.19 14,728.31 12,569.49 13,018.58

Florida 1.20 1.45 1.41 22,372.81 23,865.14 22,743.34

Georgia 1.54 1.90 1.84 18,830.88 18,902.68 17,972.78

Hawaii 0.12 0.20 0.21 43,099.38 34,545.99 33,154.81

Idaho 0.56 0.72 0.76 16,640.95 17,040.21 16,022.59

Illinois 0.57 0.82 0.84 23,073.16 21,386.34 21,336.74

Indiana 0.50 0.67 0.68 19,563.82 18,669.88 18,233.91

Iowa 0.40 0.52 0.54 17,376.49 16,334.21 15,239.69

Kansas 0.34 0.46 0.45 29,404.60 25,396.46 26,198.20

Kentucky 0.73 0.96 0.96 20,976.63 20,001.67 19,978.31

Louisiana 2.13 2.44 2.43 15,269.32 16,830.39 16,809.33

Maine

0.41 0.57 0.59 22,148.05 21,421.68 19,491.77

Maryland 1.22 1.81 1.88 14,359.24 13,579.41 13,130.18

Massachusetts 0.79 1.21 1.26 16,495.43 14,348.34 13,541.92

Michigan 0.15 0.18 0.17 56,458.91 50,853.66 53,371.22

Minnesota 0.20 0.29 0.30 37,124.04 29,119.98 29,165.19

Mississippi 0.89 1.03 1.05 15,905.79 16,881.38 16,837.21

Missouri 0.69 0.88 0.89 21,155.73 20,469.01 19,573.51

Montana 0.43 0.53 0.53 22,368.70 23,297.80 22,785.29

Nebraska 0.51 0.65 0.68 17,621.06 16,082.46 16,385.19

Nevada 1.26 1.73 1.73 24,712.73 24,947.53 22,803.27

New Hampshire 0.36 0.53 0.55 23,710.28 22,894.29 21,798.10

New Jersey 0.52 0.79 0.73 32,607.73 33,106.12 36,830.14

New Mexico 0.68 0.94 0.99 17,305.91 16,549.74 16,306.14

New York 0.61 0.78 0.78 36,723.44 39,346.74 36,667.68

North Carolina 0.93 1.21 1.17 12,308.83 12,029.10 11,683.21

North Dakota 0.16 0.19 0.17 28,718.68 27,728.19 32,230.91

Ohio 0.70 0.93 1.00 13,729.38 13,537.95 12,769.01

Oklahoma 0.75 0.93 0.91 14,838.64 15,126.71 15,251.47

Oregon 0.72 1.07 1.12 18,007.22 17,332.91 17,168.13

Pennsylvania 0.36 0.50 0.52 25,025.36 24,326.93 23,834.70

Rhode Island 1.45 2.03 1.97 15,040.19 15,463.07 15,077.62

South Carolina 1.39 1.69 1.75 14,829.74 14,675.98 13,668.52

South Dakota 0.31 0.40 0.42 23,902.41 21,058.24 20,621.26

Tennessee 0.59 0.75 0.78 19,052.79 18,268.46 17,544.42

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

Utah 0.67 0.96 0.96 24,188.15 20,900.86 20,497.98

Vermont 0.34 0.44 0.49 21,649.67 19,777.35 20,388.96

Virginia 0.69 0.98 1.01 16,791.16 16,419.65 15,881.85

Washington 0.69 1.05 1.15 20,730.13 19,916.40 19,489.24

West Virginia 0.54 0.76 0.82 19,845.97 19,485.76 18,578.91

Wisconsin 0.41 0.54 0.57 26,130.00 23,794.31 23,420.06

Wyoming 0.34 0.43 0.45 25,789.80 23,455.39 21,120.66

Countrywide 0.74 0.99 1.00 22,940.89 22,218.65 21,374.27

CW

w/o

TX

and

MA

0.74

0.99

20,801.35

20,411.25

19,691.27

44

Property Damage Liability

45

Property Damage Liability

All of the states require drivers operating a motor

vehicle to be financially responsible for accidents up

to a fixed dollar amount. Most of the states require

this to be in the form of liability insurance

purchased from an insurer. Insurance is the most

popular means of meeting the requirements, even

in those states allowing other options.

Property damage is damage to, destruction of, or

loss of use of tangible property. Property damage

liability (PD) insurance pays for damages to another

person’s property for which the insured is legally

liable, through the ownership, maintenance, or use

of a covered vehicle up to the specified limit of the

auto policy. The insurer also agrees to defend the

insured and pay all legal defense costs. Defense

costs are in addition to the policy limits.

The minimum required limits of liability coverage

vary by state, and are represented in the form of

## / ## / ##, where the first two numbers refer to

the dollar limits (in thousands) of bodily injury

liability, and the third number refers to the PD limit.

For example, 10/20/5 means bodily injury liability

coverage up to $20,000 for all persons injured in an

accident, subject to a limit of $10,000 for any one

individual; and $5,000 coverage for property

damage liability. In most of the states a policy can

be purchased that contains a single limit of

coverage for bodily injury and property damage

liability.

Property Damage Liability

State-Specific Information and Technical Notes

Voluntary Market Business and

Residual Market Business

Property Damage Liability Data

Texas—Property damage liability data include

data for combined single limits—property

damage.

Michigan—Property damage liability is a residual

coverage that pays for property damage that Michigan

drivers are legally responsible for in other states.

Michigan policyholders are required to carry property

protection insurance (PPI) to cover damages to property

in Michigan. In this report, Michigan PPI data are

included in other liability, which is not reported

separately in this publication.

Property Damage Liability—Required Limits

California—The minimum basic limit for property

damage liability is $5,000. Eligible

residents from all California counties that meet

certain criteria may purchase a low-cost auto policy

with a property damage liability of $3,000.

Property Damage Liability—Calculations-Loss

Experience Results

Texas—Earned exposure and incurred claims

data are not available, as indicated by “n/a.”

Because the results for pure premium,

frequency and severity are calculated using

earned exposures and incurred claims, there is

no data in these columns for Texas.

Property Damage—Loss Development

Property damage liability incurred losses have

been developed to 39 months.

Except:

California—

PD incurred losses are developed to

42

months.

46

2020/2021 Auto Insurance Database Report

Table 9A

Property Damage Liability 2018-2020

Voluntary Business

Earned Premiums

Earned Exposures

STATE 2020 2019 2018 2020 2019 2018

Alabama 726,770,569 713,021,282 698,400,237 3,841,761 3,726,662 3,680,374

Alaska 93,337,982 90,408,742 83,671,981 487,204 470,720 458,843

Arizona 1,061,077,934 1,029,212,112 963,759,208 4,755,393 4,523,146 4,317,708

Arkansas 392,273,235 381,652,631 373,515,130 1,981,347 1,885,761 1,849,301

California 7,262,417,203 7,171,656,934 6,724,779,162 27,939,056 27,690,952 27,189,706

Colorado 870,835,746 851,707,856 826,531,349 4,088,882 3,981,567 3,883,474

Connecticut 520,996,222 505,222,407 477,058,378 2,108,076 2,051,249 1,966,694

Delaware 143,571,141 138,957,665 132,453,644 665,703 635,226 608,321

District of Columbia 78,389,902 76,639,639 73,567,498 247,147 242,898 239,113

Florida 3,265,782,700 3,243,745,216 3,131,922,484 14,387,551 13,754,643 13,322,303

Georgia 1,891,434,924 1,849,592,278 1,757,443,148 7,138,872 6,915,149 6,730,951

Hawaii 144,250,156 143,349,076 136,704,503 870,024 858,183 841,415

Idaho 200,276,435 189,079,887 174,856,390 1,228,208 1,147,180 1,097,415

Illinois 1,307,220,944 1,309,765,080 1,285,717,562 6,959,477 6,880,202 6,773,367

Indiana 779,786,686 761,907,423 740,514,559 4,658,734 4,564,544 4,503,208

Iowa 363,143,545 351,681,132 345,357,068 2,429,510 2,382,222 2,351,051

Kansas 365,298,622 366,134,501 359,279,026 2,180,003 2,123,968 2,087,740

Kentucky 517,729,263 520,213,911 506,840,740 3,071,103 3,019,160 2,967,554

Louisiana 767,368,163 771,189,098 750,079,867 2,871,113 2,813,311 2,763,490

Maine 126,472,722 120,555,583 115,574,461 845,575 814,812 786,735

Maryland 1,099,073,050 1,089,812,997 1,038,182,165 4,165,769 4,088,775 4,015,005

Massachusetts 1,271,497,541 1,250,722,232 1,211,140,617 4,466,441 4,450,790 4,401,872

Michigan 130,700,311 135,375,080 132,530,252 5,583,588 5,473,149 5,407,598

Minnesota 654,392,864 650,639,937 630,015,601 3,992,580 3,928,863 3,880,488

Mississippi 319,574,463 313,064,240 303,771,044 1,886,977 1,840,620 1,810,382

Missouri 766,701,591 755,973,363 731,573,531 3,898,167 3,785,371 3,730,193

Montana 121,687,826 116,193,842 110,753,293 818,933 780,829 748,547

Nebraska 269,426,572 261,300,790 255,329,170 1,546,695 1,514,467 1,493,025

Nevada 462,649,446 435,046,505 398,128,871 2,024,411 1,915,908 1,820,916

New Hampshire 163,924,398 156,646,450 147,579,857 902,440 881,687 858,302

New Jersey 1,041,682,602 1,034,741,528 1,009,192,372 4,489,112 4,353,842 4,251,474

New Mexico 271,239,306 263,261,842 255,978,127 1,485,332 1,425,067 1,372,575

New York 2,193,714,953 2,189,083,629 2,121,733,906 8,538,889 8,413,081 8,353,004

North Carolina 1,315,608,480 1,179,980,061 1,119,186,107 7,573,494 7,208,488 7,011,938

North Dakota 81,290,117 78,809,346 75,745,739 603,095 591,677 585,260

Ohio 1,371,425,113 1,383,944,082 1,365,260,223 7,808,790 7,721,567 7,639,139

Oklahoma 528,174,438 520,251,172 512,328,339 2,647,014 2,539,058 2,473,500

Oregon 551,869,736 534,852,453 511,668,228 2,882,063 2,771,073 2,677,977

Pennsylvania 1,722,482,149 1,709,739,908 1,690,438,799 8,277,678 8,165,450 8,089,065

Rhode Island 204,470,714 192,439,390 181,079,409 631,653 614,217 593,836

South Carolina 878,410,195 833,432,520 796,479,390 3,891,620 3,740,554 3,627,872

South Dakota 89,365,158 85,937,035 82,451,186 700,208 682,808 670,838

Tennessee 855,486,123 836,132,993 802,718,207 4,767,378 4,625,469 4,505,490

Texas 4,849,787,092 5,090,760,131 5,107,822,291 n/a n/a n/a

Utah 430,703,353 415,889,036 392,969,847 2,006,167 1,914,773 1,831,290

Vermont 55,599,783 54,272,090 52,708,596 384,945 375,704 360,198

Virginia 1,213,426,318 1,201,224,814 1,163,774,975 6,465,600 6,348,199 6,229,717

Washington 959,812,515 932,133,110 871,694,496 4,715,913 4,545,484 4,338,347

West Virginia 213,610,501 213,667,815 205,811,596 1,260,070 1,239,813 1,216,605

Wisconsin 515,987,148 505,301,011 493,820,949 3,874,567 3,808,462 3,745,064

Wyoming 65,220,255 63,633,425 61,585,847 459,599 442,552 429,028

Countrywide 45,547,428,205 45,069,955,280 43,491,479,425 195,503,927 190,669,352 186,587,308

CW w/o Texas 40,697,641,113 39,979,195,149 38,383,657,134 195,503,927 190,669,352 186,587,308

47

2020/2021 Auto Insurance Database Report

Table 9B

Property Damage Liability 2018-2020

Voluntary Business

Incurred Losses

Incurred Claims

STATE 2020 2019 2018 2020 2019 2018

Alabama 435,705,048 536,494,646 506,671,794 83,623 107,040 110,667

Alaska 65,426,491 68,276,687 71,598,708 12,026 13,505 15,057

Arizona 600,061,237 776,670,721 705,190,255 131,618 178,930 173,470

Arkansas 246,253,915 274,920,953 258,551,254 49,823 59,264 59,582

California 3,156,500,175 4,641,755,982 4,442,852,000 703,622 1,093,416 1,109,805

Colorado 478,395,634 671,433,213 607,150,858 98,230 147,784 143,011

Connecticut 307,149,470 419,438,649 385,833,115 62,406 90,575 91,150

Delaware 84,407,030 114,894,739 107,176,418 19,148 26,931 26,373

District of Columbia 41,429,565 56,301,864 55,024,092 10,730 16,604 17,074

Florida 1,931,587,816 2,389,972,931 2,291,396,479 455,228 589,573 598,822

Georgia 1,142,697,652 1,393,926,584 1,288,697,954 232,756 304,056 302,468

Hawaii 87,356,195 129,973,975 122,422,914 20,279 30,501 31,492

Idaho 125,499,299 143,476,881 128,700,293 28,211 33,923 33,376

Illinois 797,977,143 1,093,076,116 1,044,887,482 176,840 261,416 264,202

Indiana 468,209,547 593,374,737 550,679,310 105,832 140,715 141,085

Iowa 215,079,559 278,315,603 253,578,282 48,707 67,129 66,356

Kansas 212,782,963 274,131,489 255,357,941 45,679 62,634 62,645

Kentucky 327,480,099 411,270,146 386,783,644 69,132 92,734 93,417

Louisiana 486,166,529 563,206,879 542,534,592 98,774 122,477 123,618

Maine 80,190,316 103,977,245 96,101,781 19,730 27,442 27,349

Maryland 592,548,648 840,746,837 811,297,890 141,224 213,314 221,433

Massachusetts 601,725,719 861,145,045 830,119,859 149,662 232,153 233,867

Michigan 46,845,313 63,482,011 58,548,087 13,258 20,323 20,780

Minnesota 367,085,855 536,400,874 491,182,898 81,114 127,713 125,407

Mississippi 207,164,327 236,960,089 228,112,520 41,985 50,664 51,475

Missouri 456,147,837 577,812,102 538,209,224 99,648 136,752 136,170

Montana 77,285,772 90,741,498 81,514,088 15,711 19,590 19,418

Nebraska 170,797,188 211,820,626 196,554,431 36,367 48,163 47,947

Nevada 261,784,868 338,790,862 312,936,327 57,490 77,139 76,695

New Hampshire 90,289,384 128,157,688 119,523,746 21,291 32,351 32,543

New Jersey 567,546,569 825,628,481 796,666,950 124,026 187,404 190,869

New Mexico 141,014,606 185,673,148 177,559,828 31,547 44,227 44,924

New York 1,347,165,772 1,808,770,023 1,752,531,798 270,134 388,814 401,115

North Carolina 893,402,063 1,092,653,844 997,966,246 217,900 281,170 266,132

North Dakota 49,269,558 64,194,395 60,297,559 11,260 15,456 15,103

Ohio 821,807,735 1,052,221,606 998,676,489 188,832 258,741 264,279

Oklahoma 330,097,552 398,342,691 355,702,826 70,502 87,369 84,759

Oregon 306,650,121 408,804,738 379,981,293 67,119 97,735 97,771

Pennsylvania 972,015,806 1,324,070,488 1,269,285,490 227,980 320,471 329,184

Rhode Island 123,199,177 164,783,518 149,694,713 23,681 34,342 33,765

South Carolina 573,695,960 668,650,665 614,165,069 118,382 146,990 146,208

South Dakota 55,426,458 70,818,659 65,209,573 12,384 16,362 16,192

Tennessee 537,652,370 657,595,242 615,863,292 111,536 144,733 143,734

Texas 2,425,276,346 3,195,809,339 3,069,094,207 n/a n/a n/a

Utah 252,504,811 321,606,876 288,235,208 54,712 73,865 71,720

Vermont 31,006,719 43,694,239 40,530,607 7,765 11,829 11,807

Virginia 698,011,510 947,798,987 900,770,046 172,059 256,822 261,799

Washington 515,025,013 716,098,474 675,316,283 109,650 166,050 165,991

West Virginia 122,164,211 159,795,279 154,920,814 27,302 37,160 38,084

Wisconsin 293,036,713 407,102,113 371,486,678 67,701 98,739 97,137

Wyoming 42,525,539 49,045,653 44,363,964 8,688 10,561 10,301

Countrywide 25,260,525,203 33,384,106,130 31,547,507,169 5,053,304 7,103,651 7,147,628

CW w/o Texas 22,835,248,857 30,188,296,791 28,478,412,962 5,053,304 7,103,651 7,147,628

48

2020/2021 Auto Insurance Database Report

Table 9C

Property Damage Liability 2018-2020

Voluntary Business

Pure Premium

Loss Ratio

STATE 2020 2019 2018 2020 2019 2018

Alabama 113.41 143.96 137.67 59.95 75.24 72.55

Alaska 134.29 145.05 156.04 70.10 75.52 85.57

Arizona 126.19 171.71 163.33 56.55 75.46 73.17

Arkansas 124.29 145.79 139.81 62.78 72.03 69.22

California 112.98 167.63 163.40 43.46 64.72 66.07

Colorado 117.00 168.64 156.34 54.94 78.83 73.46

Connecticut 145.70 204.48 196.18 58.95 83.02 80.88

Delaware 126.79 180.87 176.18 58.79 82.68 80.92

District of Columbia 167.63 231.79 230.12 52.85 73.46 74.79

Florida 134.25 173.76 172.00 59.15 73.68 73.16

Georgia 160.07 201.58 191.46 60.41 75.36 73.33

Hawaii 100.41 151.45 145.50 60.56 90.67 89.55

Idaho 102.18 125.07 117.28 62.66 75.88 73.60

Illinois 114.66 158.87 154.26 61.04 83.46 81.27

Indiana 100.50 130.00 122.29 60.04 77.88 74.36

Iowa 88.53 116.83 107.86 59.23 79.14 73.42

Kansas 97.61 129.07 122.31 58.25 74.87 71.08

Kentucky 106.63 136.22 130.34 63.25 79.06 76.31

Louisiana 169.33 200.19 196.32 63.36 73.03 72.33

Maine 94.84 127.61 122.15 63.41 86.25 83.15

Maryland 142.24 205.62 202.07 53.91 77.15 78.15

Massachusetts 134.72 193.48 188.58 47.32 68.85 68.54

Michigan 8.39 11.60 10.83 35.84 46.89 44.18

Minnesota 91.94 136.53 126.58 56.10 82.44 77.96

Mississippi 109.79 128.74 126.00 64.83 75.69 75.09

Missouri 117.02 152.64 144.28 59.49 76.43 73.57

Montana 94.37 116.21 108.90 63.51 78.09 73.60

Nebraska 110.43 139.86 131.65 63.39 81.06 76.98

Nevada 129.31 176.83 171.86 56.58 77.87 78.60

New Hampshire 100.05 145.36 139.26 55.08 81.81 80.99

New Jersey 126.43 189.63 187.39 54.48 79.79 78.94

New Mexico 94.94 130.29 129.36 51.99 70.53 69.37

New York 157.77 214.99 209.81 61.41 82.63 82.60

North Carolina 117.96 151.58 142.32 67.91 92.60 89.17

North Dakota 81.69 108.50 103.03 60.61 81.46 79.61

Ohio 105.24 136.27 130.73 59.92 76.03 73.15

Oklahoma 124.71 156.89 143.81 62.50 76.57 69.43

Oregon 106.40 147.53 141.89 55.57 76.43 74.26

Pennsylvania 117.43 162.16 156.91 56.43 77.44 75.09

Rhode Island 195.04 268.28 252.08 60.25 85.63 82.67

South Carolina 147.42 178.76 169.29 65.31 80.23 77.11

South Dakota 79.16 103.72 97.21 62.02 82.41 79.09

Tennessee 112.78 142.17 136.69 62.85 78.65 76.72

Texas n/a n/a n/a 50.01 62.78 60.09

Utah 125.86 167.96 157.39 58.63 77.33 73.35

Vermont 80.55 116.30 112.52 55.77 80.51 76.90

Virginia 107.96 149.30 144.59 57.52 78.90 77.40

Washington 109.21 157.54 155.66 53.66 76.82 77.47

West Virginia 96.95 128.89 127.34 57.19 74.79 75.27

Wisconsin 75.63 106.89 99.19 56.79 80.57 75.23

Wyoming 92.53 110.82 103.41 65.20 77.08 72.04

Countrywide 129.21 175.09 169.08 55.46 74.07 72.54

CW w/o Texas 116.80 158.33 152.63 56.11 75.51 74.19

49

2020/2021 Auto Insurance Database Report

Table 9D

Property Damage Liability 2018-2020

Voluntary Business

Frequency

Severity

STATE 2020 2019 2018 2020 2019 2018

Alabama 2.18 2.87 3.01 5,210.35 5,012.09 4,578.35

Alaska 2.47 2.87 3.28 5,440.42 5,055.66 4,755.18

Arizona 2.77 3.96 4.02 4,559.11 4,340.64 4,065.20

Arkansas 2.51 3.14 3.22 4,942.58 4,638.92 4,339.42

California 2.52 3.95 4.08 4,486.07 4,245.19 4,003.27

Colorado 2.40 3.71 3.68 4,870.16 4,543.34 4,245.48

Connecticut 2.96 4.42 4.63 4,921.79 4,630.84 4,232.95

Delaware 2.88 4.24 4.34 4,408.14 4,266.26 4,063.87

District of Columbia 4.34 6.84 7.14 3,861.10 3,390.86 3,222.68

Florida 3.16 4.29 4.49 4,243.12 4,053.74 3,826.51

Georgia 3.26 4.40 4.49 4,909.42 4,584.44 4,260.61

Hawaii 2.33 3.55 3.74 4,307.72 4,261.30 3,887.43

Idaho 2.30 2.96 3.04 4,448.59 4,229.49 3,856.07

Illinois 2.54 3.80 3.90 4,512.42 4,181.37 3,954.88

Indiana 2.27 3.08 3.13 4,424.08 4,216.85 3,903.17

Iowa 2.00 2.82 2.82 4,415.78 4,145.98 3,821.48

Kansas 2.10 2.95 3.00 4,658.22 4,376.72 4,076.27

Kentucky 2.25 3.07 3.15 4,737.03 4,434.94 4,140.40

Louisiana 3.44 4.35 4.47 4,922.01 4,598.47 4,388.80

Maine 2.33 3.37 3.48 4,064.38 3,788.98 3,513.90

Maryland 3.39 5.22 5.52 4,195.81 3,941.36 3,663.85

Massachusetts 3.35 5.22 5.31 4,020.56 3,709.39 3,549.54

Michigan 0.24 0.37 0.38 3,533.36 3,123.65 2,817.52

Minnesota 2.03 3.25 3.23 4,525.55 4,200.05 3,916.71

Mississippi 2.22 2.75 2.84 4,934.25 4,677.09 4,431.52

Missouri 2.56 3.61 3.65 4,577.59 4,225.26 3,952.48

Montana 1.92 2.51 2.59 4,919.21 4,632.03 4,197.86

Nebraska 2.35 3.18 3.21 4,696.49 4,397.99 4,099.41

Nevada 2.84 4.03 4.21 4,553.57 4,391.95 4,080.27

New Hampshire 2.36 3.67 3.79 4,240.73 3,961.48 3,672.79

New Jersey 2.76 4.30 4.49 4,576.03 4,405.61 4,173.89

New Mexico 2.12 3.10 3.27 4,469.98 4,198.19 3,952.45

New York 3.16 4.62 4.80 4,987.03 4,652.02 4,369.15

North Carolina 2.88 3.90 3.80 4,100.06 3,886.10 3,749.89

North Dakota 1.87 2.61 2.58 4,375.63 4,153.36 3,992.42

Ohio 2.42 3.35 3.46 4,352.06 4,066.70 3,778.87

Oklahoma 2.66 3.44 3.43 4,682.10 4,559.31 4,196.64

Oregon 2.33 3.53 3.65 4,568.75 4,182.79 3,886.44

Pennsylvania 2.75 3.92 4.07 4,263.60 4,131.64 3,855.85

Rhode Island 3.75 5.59 5.69 5,202.45 4,798.31 4,433.43

South Carolina 3.04 3.93 4.03 4,846.14 4,548.95 4,200.63

South Dakota 1.77 2.40 2.41 4,475.65 4,328.24 4,027.27

Tennessee 2.34 3.13 3.19 4,820.44 4,543.51 4,284.74

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

Utah 2.73 3.86 3.92 4,615.16 4,353.98 4,018.90

Vermont 2.02 3.15 3.28 3,993.14 3,693.82 3,432.76

Virginia 2.66 4.05 4.20 4,056.81 3,690.49 3,440.69

Washington 2.33 3.65 3.83 4,696.99 4,312.55 4,068.39

West Virginia 2.17 3.00 3.13 4,474.55 4,300.20 4,067.87

Wisconsin 1.75 2.59 2.59 4,328.40 4,123.01 3,824.36

Wyoming 1.89 2.39 2.40 4,894.74 4,644.03 4,306.76

Countrywide 2.58 3.73 3.83 4,998.81 4,699.57 4,413.70

CW w/o Texas 2.58 3.73 3.83 4,518.87 4,249.69 3,984.32

50

2020/2021 Auto Insurance Database Report

Table 10A

Property Damage Liability 2018-2020

Residual Business

Earned Premiums

Earned Exposures

STATE 2020 2019 2018 2020 2019 2018

Alabama 2,464 728 4,671 3 0 4

Alaska 2,045 1,610 3,028 4 4 5

Arizona 0 0 0 0 0 0

Arkansas 676 4,321 1,122 0 1 1

California 4,763,226 4,830,245 4,208,484 24,576 23,411 21,040

Colorado 1,803 1,089 2,497 2 3 3

Connecticut 52,948 80,697 95,772 59 92 148

Delaware 1,583 2,609 1,717 2 1 2

District of Columbia 103,761 155,449 131,075 120 188 162

Florida 70,576 112,585 276,395 68 135 354

Georgia 0 0 0 0 0 0

Hawaii 12,568 13,227 17,124 52 52 69

Idaho 7 49 0 0 0 0

Illinois 52,403 87,098 111,504 78 132 176

Indiana 1,060 4,789 5,554 4 8 4

Iowa 2,575 5,767 4,650 6 10 8

Kansas 302,804 359,501 433,156 723 851 1,104

Kentucky 44,901 145,662 299,803 47 198 461

Louisiana 24,829 27,180 30,145 18 23 23

Maine 3,170 1,806 6,301 3 1 4

Maryland 23,116,400 27,654,843 27,966,717 34,205 41,558 43,097

Massachusetts 25,375,535 29,723,381 31,795,799 35,491 46,544 52,340

Michigan 44,838 97,790 176,455 827 1,619 3,095

Minnesota 4,359 4,883 4,464 3 3 5

Mississippi 0 0 3,306 0 0 2

Missouri 5,640 17,233 17,358 5 13 19

Montana 4,276 941 1,455 5 1 4

Nebraska 3,268 9,203 14,337 4 8 11

Nevada 0 568 190 0 1 0

New Hampshire 6,896 7,730 8,322 15 18 18

New Jersey 8,270,847 9,767,510 8,878,236 12,409 13,642 12,493

New Mexico 1,802 1,696 2,255 2 2 4

New York 17,484,100 24,645,638 25,229,830 28,212 39,114 44,609

North Carolina 548,851 192,960 0 2,346 897 0

North Dakota 653 95 808 2 0 1

Ohio 6,474 4,628 5,073 4 4 3

Oklahoma 3,001 9,210 8,551 3 8 11

Oregon 4,219 7,054 10,064 3 5 6

Pennsylvania 834,568 990,414 1,009,899 4,974 5,880 6,039

Rhode Island 4,886,143 6,596,346 7,603,041 8,477 13,032 17,211

South Carolina 2,495 3,776 18,546 2 3 16

South Dakota 2,231 4,813 1,020 2 4 0

Tennessee 4,091 4,836 5,900 2 2 3

Texas 536,840 753,617 913,781 n/a n/a n/a

Utah 5,160 1,776 3,134 2 2 2

Vermont 9,669 14,008 6,854 15 18 10

Virginia 124,653 197,917 212,550 187 309 346

Washington 4,026 7,838 7,456 4 6 6

West Virginia 6,818 10,773 10,416 12 18 16

Wisconsin 4,534 9,984 5,692 4 6 3

Wyoming 1,367 917 102 2 1 0

Countrywide 86,747,153 106,576,790 109,554,609 152,984 187,828 202,938

CW w/o Texas 86,210,313 105,823,173 108,640,828 152,984 187,828 202,938

51

2020/2021 Auto Insurance Database Report

Table 10B

Property Damage Liability 2018-2020

Residual Business

Incurred Losses

Incurred Claims

STATE 2020 2019 2018 2020 2019 2018

Alabama 0 0 0 0 0 0

Alaska 0 0 0 0 0 0

Arizona 0 0 0 0 0 0

Arkansas 0 0 0 0 0 0

California 2,314,864 3,518,002 3,047,441 1,023 1,544 1,360

Colorado 2,915 6,870 4,577 1 1 2

Connecticut 61,554 38,809 99,900 9 7 18

Delaware 0 0 0 0 0 0

District of Columbia 53,878 143,054 96,681 15 42 43

Florida 33,595 71,195 103,957 6 19 38

Georgia 0 0 0 0 0 0

Hawaii 9,887 24,341 11,518 3 4 2

Idaho 0 0 0 0 0 0

Illinois 7,508 31,935 159,982 2 8 25

Indiana 14,016 0 3,005 1 0 1

Iowa 0 4,417 800 0 2 1

Kansas 172,064 218,543 245,771 31 47 77

Kentucky 60,744 77,808 335,515 9 19 57

Louisiana 0 14,385 14,947 0 2 4

Maine 0 0 0 0 0 0

Maryland 19,973,674 26,206,117 28,747,400 3,567 5,263 5,792

Massachusetts 16,904,333 28,006,622 31,397,157 3,883 6,652 7,977

Michigan 1,748 47,171 30,004 2 11 14

Minnesota 0 4,517 0 0 1 0

Mississippi 0 0 0 0 0 0

Missouri 5,863 61,468 27,916 1 4 6

Montana 8,996 0 8,065 1 0 1

Nebraska 5,188 12,348 29,997 1 2 2

Nevada 0 0 0 0 0 0

New Hampshire 0 41,683 5,886 0 7 2

New Jersey 4,056,744 6,497,601 6,183,339 1,146 1,944 1,863

New Mexico 0 0 0 0 0 0

New York 13,988,736 24,665,425 27,364,490 2,610 4,731 5,569

North Carolina 460,623 379,338 55,582 42 45 5

North Dakota 0 0 0 0 0 0

Ohio 0 0 2,477 0 0 1

Oklahoma 0 20,559 8,947 0 4 2

Oregon 0 0 799 0 0 1

Pennsylvania 1,015,591 1,374,547 1,347,195 305 409 431

Rhode Island 6,002,654 9,532,182 8,340,955 1,224 2,044 1,635

South Carolina 10,173 0 0 2 0 0

South Dakota 0 0 5,106 0 0 1

Tennessee 0 0 267 0 0 0

Texas 371,490 641,329 824,105 n/a n/a n/a

Utah 1,021 0 0 1 0 0

Vermont 0 0 4,913 0 0 1

Virginia 111,281 138,315 197,652 23 38 46

Washington 2,904 46,381 52,233 1 6 7

West Virginia 36,001 8,516 7,947 6 3 1

Wisconsin 0 3,828 8,452 0 1 2

Wyoming 0 0 0 0 0 0

Countrywide 65,688,045 101,837,306 108,774,978 13,915 22,860 24,987

CW w/o Texas 65,316,555 101,195,977 107,950,873 13,915 22,860 24,987

52

2020/2021 Auto Insurance Database Report

Table 10C

Property Damage Liability 2018-2020

Residual Business

Pure Premium

Loss Ratio

STATE 2020 2019 2018 2020 2019 2018

Alabama 0.00 - 0.00 0.00 0.00 0.00

Alaska 0.00 0.00 0.00 0.00 0.00 0.00

Arizona - - - - - -

Arkansas - 0.00 0.00 0.00 0.00 0.00

California 94.19 150.27 144.84 48.60 72.83 72.41

Colorado 1,457.50 2,290.00 1,525.67 161.67 630.85 183.30

Connecticut 1,043.29 421.84 675.00 116.25 48.09 104.31

Delaware 0.00 0.00 0.00 0.00 0.00 0.00

District of Columbia 448.98 760.93 596.80 51.93 92.03 73.76

Florida 494.04 527.37 293.66 47.60 63.24 37.61

Georgia - - - - - -

Hawaii 190.13 468.10 166.93 78.67 184.03 67.26

Idaho - - - 0.00 0.00 -

Illinois 96.26 241.93 908.99 14.33 36.67 143.48

Indiana 3,504.00 0.00 751.25 1,322.26 0.00 54.11

Iowa 0.00 441.70 100.00 0.00 76.59 17.20

Kansas 237.99 256.81 222.62 56.82 60.79 56.74

Kentucky 1,292.43 392.97 727.80 135.28 53.42 111.91

Louisiana 0.00 625.43 649.87 0.00 52.92 49.58

Maine 0.00 0.00 0.00 0.00 0.00 0.00

Maryland 583.94 630.59 667.04 86.40 94.76 102.79

Massachusetts 476.30 601.72 599.87 66.62 94.22 98.75

Michigan 2.11 29.14 9.69 3.90 48.24 17.00

Minnesota 0.00 1,505.67 0.00 0.00 92.50 0.00

Mississippi - - 0.00 - - 0.00

Missouri 1,172.60 4,728.31 1,469.26 103.95 356.69 160.82

Montana 1,799.20 0.00 2,016.25 210.38 0.00 554.30

Nebraska 1,297.00 1,543.50 2,727.00 158.75 134.17 209.23

Nevada - 0.00 - - 0.00 0.00

New Hampshire 0.00 2,315.72 327.00 0.00 539.24 70.73

New Jersey 326.92 476.29 494.94 49.05 66.52 69.65

New Mexico 0.00 0.00 0.00 0.00 0.00 0.00

New York 495.84 630.60 613.43 80.01 100.08 108.46

North Carolina 196.34 422.90 - 83.92 196.59 -

North Dakota 0.00 - 0.00 0.00 0.00 0.00

Ohio 0.00 0.00 825.67 0.00 0.00 48.83

Oklahoma 0.00 2,569.88 813.36 0.00 223.22 104.63

Oregon 0.00 0.00 133.17 0.00 0.00 7.94

Pennsylvania 204.18 233.77 223.08 121.69 138.79 133.40

Rhode Island 708.11 731.44 484.63 122.85 144.51 109.71

South Carolina 5,086.50 0.00 0.00 407.74 0.00 0.00

South Dakota 0.00 0.00 - 0.00 0.00 500.59

Tennessee 0.00 0.00 89.00 0.00 0.00 4.53

Texas n/a n/a n/a 69.20 85.10 90.19

Utah 510.50 0.00 0.00 19.79 0.00 0.00

Vermont 0.00 0.00 491.30 0.00 0.00 71.68

Virginia 595.09 447.62 571.25 89.27 69.89 92.99

Washington 726.00 7,730.17 8,705.50 72.13 591.75 700.55

West Virginia 3,000.08 473.11 496.69 528.03 79.05 76.30

Wisconsin 0.00 638.00 2,817.33 0.00 38.34 148.49

Wyoming 0.00 0.00 - 0.00 0.00 0.00

Countrywide 429.38 542.18 536.00 75.72 95.55 99.29

CW w/o Texas 426.95 538.77 531.94 75.76 95.63 99.36

53

2020/2021 Auto Insurance Database Report

Table 10D

Property Damage Liability 2018-2020

Residual Business

Frequency

Severity

STATE 2020 2019 2018 2020 2019 2018

Alabama 0.00 - 0.00 - - -

Alaska 0.00 0.00 0.00 - - -

Arizona - - - - - -

Arkansas - 0.00 0.00 - - -

California 4.16 6.60 6.46 2,262.82 2,278.50 2,240.77

Colorado 50.00 33.33 66.67 2,915.00 6,870.00 2,288.50

Connecticut 15.25 7.61 12.16 6,839.33 5,544.14 5,550.00

Delaware 0.00 0.00 0.00 - - -

District of Columbia 12.50 22.34 26.54 3,591.87 3,406.05 2,248.40

Florida 8.82 14.07 10.73 5,599.17 3,747.11 2,735.71

Georgia - - - - - -

Hawaii 5.77 7.69 2.90 3,295.67 6,085.25 5,759.00

Idaho - - - - - -

Illinois 2.56 6.06 14.20 3,754.00 3,991.88 6,399.28

Indiana 25.00 0.00 25.00 14,016.00 - 3,005.00

Iowa 0.00 20.00 12.50 - 2,208.50 800.00

Kansas 4.29 5.52 6.97 5,550.45 4,649.85 3,191.83

Kentucky 19.15 9.60 12.36 6,749.33 4,095.16 5,886.23

Louisiana 0.00 8.70 17.39 - 7,192.50 3,736.75

Maine 0.00 0.00 0.00 - - -

Maryland 10.43 12.66 13.44 5,599.57 4,979.31 4,963.29

Massachusetts 10.94 14.29 15.24 4,353.42 4,210.26 3,935.96

Michigan 0.24 0.68 0.45 874.00 4,288.27 2,143.14

Minnesota 0.00 33.33 0.00 - 4,517.00 -

Mississippi - - 0.00 - - -

Missouri 20.00 30.77 31.58 5,863.00 15,367.00 4,652.67

Montana 20.00 0.00 25.00 8,996.00 - 8,065.00

Nebraska 25.00 25.00 18.18 5,188.00 6,174.00 14,998.50

Nevada - 0.00 - - - -

New Hampshire 0.00 38.89 11.11 - 5,954.71 2,943.00

New Jersey 9.24 14.25 14.91 3,539.92 3,342.39 3,319.02

New Mexico 0.00 0.00 0.00 - - -

New York 9.25 12.10 12.48 5,359.67 5,213.58 4,913.72

North Carolina 1.79 5.02 - 10,967.21 8,429.73 11,116.40

North Dakota 0.00 - 0.00 - - -

Ohio 0.00 0.00 33.33 - - 2,477.00

Oklahoma 0.00 50.00 18.18 - 5,139.75 4,473.50

Oregon 0.00 0.00 16.67 - - 799.00

Pennsylvania 6.13 6.96 7.14 3,329.81 3,360.75 3,125.74

Rhode Island 14.44 15.68 9.50 4,904.13 4,663.49 5,101.50

South Carolina 100.00 0.00 0.00 5,086.50 - -

South Dakota 0.00 0.00 - - - 5,106.00

Tennessee 0.00 0.00 0.00 - - -

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

Utah 50.00 0.00 0.00 1,021.00 - -

Vermont 0.00 0.00 10.00 - - 4,913.00

Virginia 12.30 12.30 13.29 4,838.30 3,639.87 4,296.78

Washington 25.00 100.00 116.67 2,904.00 7,730.17 7,461.86

West Virginia 50.00 16.67 6.25 6,000.17 2,838.67 7,947.00

Wisconsin 0.00 16.67 66.67 - 3,828.00 4,226.00

Wyoming 0.00 0.00 - - - -

Countrywide 9.10 12.17 12.31 4,720.66 4,454.83 4,353.26

CW w/o Texas 9.10 12.17 12.31 4,693.97 4,426.77 4,320.28

54

2020/2021 Auto Insurance Database Report

Table 11A

Property Damage Liability 2018-2020

Total Business

Earned Premiums

Earned Exposures

STATE 2020 2019 2018 2020 2019 2018

Alabama 726,773,033 713,022,010 698,404,908 3,841,764 3,726,662 3,680,378

Alaska 93,340,027 90,410,352 83,675,009 487,208 470,724 458,848

Arizona 1,061,077,934 1,029,212,112 963,759,208 4,755,393 4,523,146 4,317,708

Arkansas 392,273,911 381,656,952 373,516,252 1,981,347 1,885,762 1,849,302

California 7,267,180,429 7,176,487,179 6,728,987,646 27,963,632 27,714,363 27,210,746

Colorado 870,837,549 851,708,945 826,533,846 4,088,884 3,981,570 3,883,477

Connecticut 521,049,170 505,303,104 477,154,150 2,108,135 2,051,341 1,966,842

Delaware 143,572,724 138,960,274 132,455,361 665,705 635,227 608,323

District of Columbia 78,493,663 76,795,088 73,698,573 247,267 243,086 239,275

Florida 3,265,853,276 3,243,857,801 3,132,198,879 14,387,619 13,754,778 13,322,657

Georgia 1,891,434,924 1,849,592,278 1,757,443,148 7,138,872 6,915,149 6,730,951

Hawaii 144,262,724 143,362,303 136,721,627 870,076 858,235 841,484

Idaho 200,276,442 189,079,936 174,856,390 1,228,208 1,147,180 1,097,415

Illinois 1,307,273,347 1,309,852,178 1,285,829,066 6,959,555 6,880,334 6,773,543

Indiana 779,787,746 761,912,212 740,520,113 4,658,738 4,564,552 4,503,212

Iowa 363,146,120 351,686,899 345,361,718 2,429,516 2,382,232 2,351,059

Kansas 365,601,426 366,494,002 359,712,182 2,180,726 2,124,819 2,088,844

Kentucky 517,774,164 520,359,573 507,140,543 3,071,150 3,019,358 2,968,015

Louisiana 767,392,992 771,216,278 750,110,012 2,871,131 2,813,334 2,763,513

Maine 126,475,892 120,557,389 115,580,762 845,578 814,813 786,739

Maryland 1,122,189,450 1,117,467,840 1,066,148,882 4,199,974 4,130,333 4,058,102

Massachusetts 1,296,873,076 1,280,445,613 1,242,936,416 4,501,932 4,497,334 4,454,212

Michigan 130,745,149 135,472,870 132,706,707 5,584,415 5,474,768 5,410,693

Minnesota 654,397,223 650,644,820 630,020,065 3,992,583 3,928,866 3,880,493

Mississippi 319,574,463 313,064,240 303,774,350 1,886,977 1,840,620 1,810,384

Missouri 766,707,231 755,990,596 731,590,889 3,898,172 3,785,384 3,730,212

Montana 121,692,102 116,194,783 110,754,748 818,938 780,830 748,551

Nebraska 269,429,840 261,309,993 255,343,507 1,546,699 1,514,475 1,493,036

Nevada 462,649,446 435,047,073 398,129,061 2,024,411 1,915,909 1,820,916

New Hampshire 163,931,294 156,654,180 147,588,179 902,455 881,705 858,320

New Jersey 1,049,953,449 1,044,509,038 1,018,070,608 4,501,521 4,367,484 4,263,967

New Mexico 271,241,108 263,263,538 255,980,382 1,485,334 1,425,069 1,372,579

New York 2,211,199,053 2,213,729,267 2,146,963,736 8,567,101 8,452,195 8,397,613

North Carolina 1,316,157,331 1,180,173,021 1,119,186,107 7,575,840 7,209,385 7,011,938

North Dakota 81,290,770 78,809,441 75,746,547 603,097 591,677 585,261

Ohio 1,371,431,587 1,383,948,710 1,365,265,296 7,808,794 7,721,571 7,639,142

Oklahoma 528,177,439 520,260,382 512,336,890 2,647,017 2,539,066 2,473,511

Oregon 551,873,955 534,859,507 511,678,292 2,882,066 2,771,078 2,677,983

Pennsylvania 1,723,316,717 1,710,730,322 1,691,448,698 8,282,652 8,171,330 8,095,104

Rhode Island 209,356,857 199,035,736 188,682,450 640,130 627,249 611,047

South Carolina 878,412,690 833,436,296 796,497,936 3,891,622 3,740,557 3,627,888

South Dakota 89,367,389 85,941,848 82,452,206 700,210 682,812 670,838

Tennessee 855,490,214 836,137,829 802,724,107 4,767,380 4,625,471 4,505,493

Texas 4,850,323,932 5,091,513,748 5,108,736,072 n/a n/a n/a

Utah 430,708,513 415,890,812 392,972,981 2,006,169 1,914,775 1,831,292

Vermont 55,609,452 54,286,098 52,715,450 384,960 375,722 360,208

Virginia 1,213,550,971 1,201,422,731 1,163,987,525 6,465,787 6,348,508 6,230,063

Washington 959,816,541 932,140,948 871,701,952 4,715,917 4,545,490 4,338,353

West Virginia 213,617,319 213,678,588 205,822,012 1,260,082 1,239,831 1,216,621

Wisconsin 515,991,682 505,310,995 493,826,641 3,874,571 3,808,468 3,745,067

Wyoming 65,221,622 63,634,342 61,585,949 459,601 442,553 429,028

Countrywide 45,634,175,358 45,176,532,070 43,601,034,034 195,656,911 190,857,180 186,790,246

CW w/o Texas 40,783,851,426 40,085,018,322 38,492,297,962 195,656,911 190,857,180 186,790,246

55

2020/2021 Auto Insurance Database Report

Table 11B

Property Damage Liability 2018-2020

Total Business

Incurred Losses

Incurred Claims

STATE 2020 2019 2018 2020 2019 2018

Alabama 435,705,048 536,494,646 506,671,794 83,623 107,040 110,667

Alaska 65,426,491 68,276,687 71,598,708 12,026 13,505 15,057

Arizona 600,061,237 776,670,721 705,190,255 131,618 178,930 173,470

Arkansas 246,253,915 274,920,953 258,551,254 49,823 59,264 59,582

California 3,158,815,039 4,645,273,984 4,445,899,441 704,645 1,094,960 1,111,165

Colorado 478,398,549 671,440,083 607,155,435 98,231 147,785 143,013

Connecticut 307,211,024 419,477,458 385,933,015 62,415 90,582 91,168

Delaware 84,407,030 114,894,739 107,176,418 19,148 26,931 26,373

District of Columbia 41,483,443 56,444,918 55,120,773 10,745 16,646 17,117

Florida 1,931,621,411 2,390,044,126 2,291,500,436 455,234 589,592 598,860

Georgia 1,142,697,652 1,393,926,584 1,288,697,954 232,756 304,056 302,468

Hawaii 87,366,082 129,998,316 122,434,432 20,282 30,505 31,494

Idaho 125,499,299 143,476,881 128,700,293 28,211 33,923 33,376

Illinois 797,984,651 1,093,108,051 1,045,047,464 176,842 261,424 264,227

Indiana 468,223,563 593,374,737 550,682,315 105,833 140,715 141,086

Iowa 215,079,559 278,320,020 253,579,082 48,707 67,131 66,357

Kansas 212,955,027 274,350,032 255,603,712 45,710 62,681 62,722

Kentucky 327,540,843 411,347,954 387,119,159 69,141 92,753 93,474

Louisiana 486,166,529 563,221,264 542,549,539 98,774 122,479 123,622

Maine 80,190,316 103,977,245 96,101,781 19,730 27,442 27,349

Maryland 612,522,322 866,952,954 840,045,290 144,791 218,577 227,225

Massachusetts 618,630,052 889,151,667 861,517,016 153,545 238,805 241,844

Michigan 46,847,061 63,529,182 58,578,091 13,260 20,334 20,794

Minnesota 367,085,855 536,405,391 491,182,898 81,114 127,714 125,407

Mississippi 207,164,327 236,960,089 228,112,520 41,985 50,664 51,475

Missouri 456,153,700 577,873,570 538,237,140 99,649 136,756 136,176

Montana 77,294,768 90,741,498 81,522,153 15,712 19,590 19,419

Nebraska 170,802,376 211,832,974 196,584,428 36,368 48,165 47,949

Nevada 261,784,868 338,790,862 312,936,327 57,490 77,139 76,695

New Hampshire 90,289,384 128,199,371 119,529,632 21,291 32,358 32,545

New Jersey 571,603,313 832,126,082 802,850,289 125,172 189,348 192,732

New Mexico 141,014,606 185,673,148 177,559,828 31,547 44,227 44,924

New York 1,361,154,508 1,833,435,448 1,779,896,288 272,744 393,545 406,684

North Carolina 893,862,686 1,093,033,182 998,021,828 217,942 281,215 266,137

North Dakota 49,269,558 64,194,395 60,297,559 11,260 15,456 15,103

Ohio 821,807,735 1,052,221,606 998,678,966 188,832 258,741 264,280

Oklahoma 330,097,552 398,363,250 355,711,773 70,502 87,373 84,761

Oregon 306,650,121 408,804,738 379,982,092 67,119 97,735 97,772

Pennsylvania 973,031,397 1,325,445,035 1,270,632,685 228,285 320,880 329,615

Rhode Island 129,201,831 174,315,700 158,035,668 24,905 36,386 35,400

South Carolina 573,706,133 668,650,665 614,165,069 118,384 146,990 146,208

South Dakota 55,426,458 70,818,659 65,214,679 12,384 16,362 16,193

Tennessee 537,652,370 657,595,242 615,863,559 111,536 144,733 143,734

Texas 2,425,647,836 3,196,450,668 3,069,918,312 n/a n/a n/a

Utah 252,505,832 321,606,876 288,235,208 54,713 73,865 71,720

Vermont 31,006,719 43,694,239 40,535,520 7,765 11,829 11,808

Virginia 698,122,791 947,937,302 900,967,698 172,082 256,860 261,845

Washington 515,027,917 716,144,855 675,368,516 109,651 166,056 165,998

West Virginia 122,200,212 159,803,795 154,928,761 27,308 37,163 38,085

Wisconsin 293,036,713 407,105,941 371,495,130 67,701 98,740 97,139

Wyoming 42,525,539 49,045,653 44,363,964 8,688 10,561 10,301

Countrywide 25,326,213,248 33,485,943,436 31,656,282,147 5,067,219 7,126,511 7,172,615

CW w/o Texas 22,900,565,412 30,289,492,768 28,586,363,835 5,067,219 7,126,511 7,172,615

56

2020/2021 Auto Insurance Database Report

Table 11C

Property Damage Liability 2018-2020

Total Business

Pure Premium

Loss Ratio

STATE 2020 2019 2018 2020 2019 2018

Alabama 113.41 143.96 137.67 59.95 75.24 72.55

Alaska 134.29 145.05 156.04 70.09 75.52 85.57

Arizona 126.19 171.71 163.33 56.55 75.46 73.17

Arkansas 124.29 145.79 139.81 62.78 72.03 69.22

California 112.96 167.61 163.39 43.47 64.73 66.07

Colorado 117.00 168.64 156.34 54.94 78.83 73.46

Connecticut 145.73 204.49 196.22 58.96 83.02 80.88

Delaware 126.79 180.87 176.18 58.79 82.68 80.92

District of Columbia 167.77 232.20 230.37 52.85 73.50 74.79

Florida 134.26 173.76 172.00 59.15 73.68 73.16

Georgia 160.07 201.58 191.46 60.41 75.36 73.33

Hawaii 100.41 151.47 145.50 60.56 90.68 89.55

Idaho 102.18 125.07 117.28 62.66 75.88 73.60

Illinois 114.66 158.87 154.28 61.04 83.45 81.27

Indiana 100.50 130.00 122.29 60.05 77.88 74.36

Iowa 88.53 116.83 107.86 59.23 79.14 73.42

Kansas 97.65 129.12 122.37 58.25 74.86 71.06

Kentucky 106.65 136.24 130.43 63.26 79.05 76.33

Louisiana 169.33 200.20 196.33 63.35 73.03 72.33

Maine 94.83 127.61 122.15 63.40 86.25 83.15

Maryland 145.84 209.90 207.00 54.58 77.58 78.79

Massachusetts 137.41 197.71 193.42 47.70 69.44 69.31

Michigan 8.39 11.60 10.83 35.83 46.89 44.14

Minnesota 91.94 136.53 126.58 56.10 82.44 77.96

Mississippi 109.79 128.74 126.00 64.83 75.69 75.09

Missouri 117.02 152.66 144.29 59.50 76.44 73.57

Montana 94.38 116.21 108.91 63.52 78.09 73.61

Nebraska 110.43 139.87 131.67 63.39 81.07 76.99

Nevada 129.31 176.83 171.86 56.58 77.87 78.60

New Hampshire 100.05 145.40 139.26 55.08 81.84 80.99

New Jersey 126.98 190.53 188.29 54.44 79.67 78.86

New Mexico 94.94 130.29 129.36 51.99 70.53 69.36

New York 158.88 216.92 211.95 61.56 82.82 82.90

North Carolina 117.99 151.61 142.33 67.91 92.62 89.17

North Dakota 81.69 108.50 103.03 60.61 81.46 79.60

Ohio 105.24 136.27 130.73 59.92 76.03 73.15

Oklahoma 124.71 156.89 143.81 62.50 76.57 69.43

Oregon 106.40 147.53 141.89 55.57 76.43 74.26

Pennsylvania 117.48 162.21 156.96 56.46 77.48 75.12

Rhode Island 201.84 277.91 258.63 61.71 87.58 83.76

South Carolina 147.42 178.76 169.29 65.31 80.23 77.11

South Dakota 79.16 103.72 97.21 62.02 82.40 79.09

Tennessee 112.78 142.17 136.69 62.85 78.65 76.72

Texas n/a n/a n/a 50.01 62.78 60.09

Utah 125.86 167.96 157.39 58.63 77.33 73.35

Vermont 80.55 116.29 112.53 55.76 80.49 76.89

Virginia 107.97 149.32 144.62 57.53 78.90 77.40

Washington 109.21 157.55 155.67 53.66 76.83 77.48

West Virginia 96.98 128.89 127.34 57.21 74.79 75.27

Wisconsin 75.63 106.89 99.20 56.79 80.57 75.23

Wyoming 92.53 110.82 103.41 65.20 77.07 72.04

Countrywide 129.44 175.45 169.48 55.50 74.12 72.60

CW w/o Texas 117.04 158.70 153.04 56.15 75.56 74.27

57

2020/2021 Auto Insurance Database Report

Table 11D

Property Damage Liability 2018-2020

Total Business

Frequency

Severity

STATE

2020

2019

2018

2020

2019

2018

Alabama 2.18 2.87 3.01 5,210.35 5,012.09 4,578.35

Alaska 2.47 2.87 3.28 5,440.42 5,055.66 4,755.18

Arizona 2.77 3.96 4.02 4,559.11 4,340.64 4,065.20

Arkansas 2.51 3.14 3.22 4,942.58 4,638.92 4,339.42

California 2.52 3.95 4.08 4,482.85 4,242.41 4,001.12

Colorado 2.40 3.71 3.68 4,870.14 4,543.36 4,245.46

Connecticut 2.96 4.42 4.64 4,922.07 4,630.91 4,233.21

Delaware 2.88 4.24 4.34 4,408.14 4,266.26 4,063.87

District of Columbia 4.35 6.85 7.15 3,860.72 3,390.90 3,220.24

Florida 3.16 4.29 4.50 4,243.14 4,053.73 3,826.44

Georgia 3.26 4.40 4.49 4,909.42 4,584.44 4,260.61

Hawaii 2.33 3.55 3.74 4,307.57 4,261.54 3,887.55

Idaho 2.30 2.96 3.04 4,448.59 4,229.49 3,856.07

Illinois 2.54 3.80 3.90 4,512.42 4,181.36 3,955.11

Indiana 2.27 3.08 3.13 4,424.17 4,216.85 3,903.17

Iowa 2.00 2.82 2.82 4,415.78 4,145.92 3,821.44

Kansas 2.10 2.95 3.00 4,658.83 4,376.92 4,075.18

Kentucky 2.25 3.07 3.15 4,737.29 4,434.87 4,141.46

Louisiana 3.44 4.35 4.47 4,922.01 4,598.51 4,388.78

Maine

2.33 3.37 3.48 4,064.38 3,788.98 3,513.90

Maryland 3.45 5.29 5.60 4,230.39 3,966.35 3,696.98

Massachusetts 3.41 5.31 5.43 4,028.98 3,723.34 3,562.28

Michigan 0.24 0.37 0.38 3,532.96 3,124.28 2,817.07

Minnesota 2.03 3.25 3.23 4,525.55 4,200.05 3,916.71

Mississippi 2.22 2.75 2.84 4,934.25 4,677.09 4,431.52

Missouri 2.56 3.61 3.65 4,577.60 4,225.58 3,952.51

Montana 1.92 2.51 2.59 4,919.47 4,632.03 4,198.06

Nebraska 2.35 3.18 3.21 4,696.50 4,398.07 4,099.87

Nevada 2.84 4.03 4.21 4,553.57 4,391.95 4,080.27

New Hampshire 2.36 3.67 3.79 4,240.73 3,961.91 3,672.75

New Jersey 2.78 4.34 4.52 4,566.54 4,394.69 4,165.63

New Mexico 2.12 3.10 3.27 4,469.98 4,198.19 3,952.45

New York 3.18 4.66 4.84 4,990.59 4,658.77 4,376.61

North Carolina 2.88 3.90 3.80 4,101.38 3,886.82 3,750.03

North Dakota 1.87 2.61 2.58 4,375.63 4,153.36 3,992.42

Ohio 2.42 3.35 3.46 4,352.06 4,066.70 3,778.87

Oklahoma 2.66 3.44 3.43 4,682.10 4,559.34 4,196.64

Oregon 2.33 3.53 3.65 4,568.75 4,182.79 3,886.41

Pennsylvania 2.76 3.93 4.07 4,262.35 4,130.66 3,854.90

Rhode Island 3.89 5.80 5.79 5,187.79 4,790.74 4,464.28

South Carolina 3.04 3.93 4.03 4,846.15 4,548.95 4,200.63

South Dakota 1.77 2.40 2.41 4,475.65 4,328.24 4,027.34

Tennessee 2.34 3.13 3.19 4,820.44 4,543.51 4,284.75

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

Utah 2.73 3.86 3.92 4,615.10 4,353.98 4,018.90

Vermont 2.02 3.15 3.28 3,993.14 3,693.82 3,432.89

Virginia 2.66 4.05 4.20 4,056.92 3,690.48 3,440.84

Washington 2.33 3.65 3.83 4,696.97 4,312.67 4,068.53

West Virginia 2.17 3.00 3.13 4,474.89 4,300.08 4,067.97

Wisconsin 1.75 2.59 2.59 4,328.40 4,123.01 3,824.37

Wyoming 1.89 2.39 2.40 4,894.74 4,644.03 4,306.76

Countrywide 2.59 3.73 3.84 4,998.05 4,698.79 4,413.49

CW

w/o

Texas

2.59

3.73

3.84

4,519.36

4,250.26

3,985.49

58

Combined Single Limits Liability

59

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

Voluntary Market Business and

Residual Market Business

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 liability

1

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 30.

2

See Property Damage Liability, Page 45.

BI/PD Combined Single Limit Incurred Losses and

Incurred Claims

The BI/PD combined single limit incurred claims

and incurred losses are reported for the CSL-BI

component and the CSL-PD component

separately.

Except:

Texas—Incurred claims data are not

available, as indicated by “n/a.” Because

the results for frequency and severity are

calculated using incurred claims, there is no

data in these columns for Texas.

BI/PD Combined Single Limit Loss Development

Incurred losses for the bodily injury component

are developed to

63 months

.

Except:

California—

BI/PD incurred losses are

developed to

42 months.

ISO develops BI losses to 87 months.

Texas develops BI losses to 51 months.

Incurred losses for the property damage

component are developed to 39 months.

Calculations—Loss Experience

Incurred losses for each component were added

together to calculate the BI/PD combined single

limit pure premium and loss ratio. CSL-BI and

CSL-PD claims could not be combined, so the

60

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)

61

2020/2021 Auto Insurance Database Report

Table 12A

BI/PD Combined Single Limits Liability 2018-2020

Voluntary Business

Earned Premiums

Earned Exposures

STATE 2020 2019 2018 2020 2019 2018

Alabama 32,315,137 32,672,680 32,292,585 66,629 69,011 71,747

Alaska 482,051 525,432 572,765 762 824 935

Arizona 96,919,966 93,546,710 93,706,672 170,653 160,769 170,343

Arkansas 89,967,108 88,286,579 85,577,555 250,454 247,890 248,678

California 149,175,264 152,984,414 155,001,426 238,991 242,725 255,798

Colorado 122,049,019 109,761,404 97,058,330 240,950 221,551 207,156

Connecticut 193,546,422 195,874,132 200,432,132 277,843 285,288 307,916

Delaware 32,412,777 32,825,991 33,380,625 52,156 53,515 56,814

District of Columbia 12,642,304 8,948,566 7,899,660 14,641 11,320 11,301

Florida 179,077,591 184,397,612 188,356,112 204,411 219,582 240,996

Georgia 227,621,405 198,805,500 188,437,016 281,628 258,546 263,627

Hawaii 14,135,319 13,776,125 13,140,276 40,109 38,576 38,657

Idaho 20,830,105 20,447,641 20,229,896 61,671 60,222 62,281

Illinois 139,142,996 127,299,089 124,824,243 273,373 255,417 261,957

Indiana 82,782,189 79,759,956 77,200,450 243,257 240,295 242,434

Iowa 28,230,197 29,231,208 29,854,742 108,971 117,759 123,367

Kansas 49,034,657 50,131,732 50,397,999 171,669 174,909 182,337

Kentucky 121,930,993 103,878,835 95,568,937 253,364 221,212 210,989

Louisiana 100,843,481 113,993,678 121,193,005 105,782 120,105 134,286

Maine 52,256,234 53,606,785 53,649,852 179,993 186,993 194,478

Maryland 87,847,707 83,577,853 84,965,282 131,744 127,348 136,036

Massachusetts 0 0 0 0 0 0

Michigan 56,260,959 56,172,412 57,946,060 267,676 283,510 306,655

Minnesota 63,338,983 59,919,736 57,690,329 188,366 178,504 177,859

Mississippi 48,982,465 48,739,760 47,701,799 104,505 106,511 107,653

Missouri 147,520,938 141,839,503 138,653,666 414,314 403,968 404,702

Montana 10,087,350 10,100,799 9,919,565 27,840 27,840 29,755

Nebraska 18,905,143 19,492,013 20,203,417 59,705 61,942 64,655

Nevada 42,396,594 50,145,667 56,192,552 58,340 65,270 74,320

New Hampshire 29,606,687 30,041,773 30,968,503 76,034 76,752 80,717

New Jersey 709,444,837 725,984,371 710,790,438 1,244,653 1,291,198 1,318,117

New Mexico 19,040,861 17,496,552 17,211,747 42,839 39,715 39,051

New York 572,221,910 537,267,922 509,434,078 1,028,108 1,021,887 1,035,508

North Carolina 504,311 268,986 0 771 426 0

North Dakota 6,198,820 6,114,149 5,927,993 42,494 43,307 43,731

Ohio 178,685,567 170,698,987 168,361,470 503,519 491,929 498,158

Oklahoma 81,471,705 83,888,260 88,323,252 208,492 210,448 220,386

Oregon 49,845,963 52,696,446 55,083,339 109,823 113,850 120,929

Pennsylvania 250,798,982 235,193,976 216,265,349 572,625 538,709 509,374

Rhode Island 55,219,367 57,789,746 58,075,652 73,647 78,986 84,531

South Carolina 63,661,554 63,398,083 60,755,582 111,268 116,994 122,952

South Dakota 2,430,722 2,441,809 2,336,573 11,811 11,678 11,495

Tennessee 118,852,791 116,810,362 113,478,118 278,505 277,120 282,252

Texas 0 0 0 n/a n/a n/a

Utah 43,587,390 39,299,372 36,345,622 93,550 83,710 79,143

Vermont 15,912,591 16,329,670 16,372,129 56,170 57,618 60,077

Virginia 76,626,913 78,472,493 80,783,925 177,891 182,048 195,687

Washington 80,943,600 85,650,262 88,086,956 148,381 156,709 172,462

West Virginia 20,230,338 17,371,541 16,398,013 47,068 40,788 39,041

Wisconsin 74,110,318 77,286,606 78,524,322 220,787 223,922 231,523

Wyoming 1,376,843 1,391,070 1,356,759 4,601 4,577 4,762

Countrywide 4,671,507,424 4,576,634,248 4,496,926,768 9,542,834 9,503,773 9,737,628

CW w/o Texas 4,671,507,424 4,576,634,248 4,496,926,768 9,542,834 9,503,773 9,737,628

62

2020/2021 Auto Insurance Database Report

Table 12B-1

BI/PD Combined Single Limits Liability 2018-2020

Voluntary Business

Incurred Losses - Bodily Injury Incurred Claims - Bodily Injury

STATE 2020 2019 2018 2020 2019 2018

Alabama 5,773,848 12,211,904 13,163,246 322 519 575

Alaska 198,932 295,348 77,414 8 13 6

Arizona 32,229,250 37,865,828 42,601,861 1,319 1,786 1,921

Arkansas 31,167,922 33,784,671 28,545,975 1,387 1,777 1,817

California 38,683,509 68,162,689 70,435,191 872 1,386 1,646

Colorado 44,357,563 48,459,173 51,699,384 1,092 1,459 1,573

Connecticut 47,758,810 74,257,431 85,797,398 1,551 2,188 2,564

Delaware 8,819,839 9,937,615 12,309,702 355 508 694

District of Columbia 3,539,981 3,259,745 2,254,289 349 221 205

Florida 69,409,459 99,445,990 108,192,850 1,823 2,775 3,099

Georgia 82,245,502 96,323,032 86,636,625 4,421 4,770 4,622

Hawaii 2,193,198 3,623,288 3,004,689 51 77 89

Idaho 5,739,341 4,687,850 8,012,376 276 331 506

Illinois 39,984,983 43,546,554 54,374,092 1,447 1,906 2,156

Indiana 31,642,017 29,204,446 37,106,473 1,448 1,991 2,253

Iowa 6,607,929 12,835,865 8,639,399 327 550 559

Kansas 19,025,471 22,355,980 18,559,844 373 537 636

Kentucky 49,138,493 44,103,436 44,613,794 1,933 1,717 1,787

Louisiana 41,693,463 61,229,866 70,270,935 1,454 2,162 2,850

Maine 11,980,343 19,335,793 21,985,733 606 861 794

Maryland 22,834,209 23,172,258 26,722,983 1,368 1,739 2,101

Massachusetts 0 0 0 0 0 0

Michigan 22,275,386 32,929,043 35,593,436 269 403 499

Minnesota 17,501,614 17,228,894 18,411,672 268 370 468

Mississippi 19,707,585 22,163,929 24,414,630 751 925 1,062

Missouri 76,161,446 67,097,520 65,118,593 1,818 2,374 2,644

Montana 2,390,036 4,942,985 5,373,415 83 130 108

Nebraska 6,248,321 10,564,944 6,669,498 233 342 367

Nevada 14,014,628 26,264,503 31,691,416 475 813 1,166

New Hampshire 8,162,301 7,104,268 8,122,884 208 300 315

New Jersey 186,386,905 302,231,412 355,530,572 3,530 5,434 5,349

New Mexico 4,457,216 6,679,151 7,955,038 193 274 382

New York 168,808,095 222,846,457 236,913,608 3,839 4,560 4,250

North Carolina 10,598 37,533 11,320 1 0 0

North Dakota 2,089,814 2,677,067 427,063 32 62 33

Ohio 44,752,914 57,163,038 57,541,882 2,523 3,223 3,906

Oklahoma 24,289,074 26,055,071 27,338,231 1,158 1,493 1,744

Oregon 16,421,750 18,220,909 22,731,980 721 960 1,450

Pennsylvania 59,887,055 69,106,679 67,171,162 1,961 2,270 1,988

Rhode Island 15,390,358 18,420,669 25,926,158 669 1,052 1,169

South Carolina 18,562,904 21,444,430 26,421,053 937 1,349 1,631

South Dakota 2,246,344 265,649 670,130 39 49 32

Tennessee 39,287,782 42,135,659 37,939,194 1,463 2,025 2,265

Texas 0 0 0 n/a n/a n/a

Utah 18,705,193 16,131,469 15,346,210 675 754 687

Vermont 4,036,909 5,007,570 4,817,021 181 336 314

Virginia 21,812,966 25,965,386 26,631,733 841 1,130 1,390

Washington 19,080,847 25,513,823 38,986,424 896 1,679 2,403

West Virginia 5,196,546 6,147,960 6,119,536 264 273 254

Wisconsin 31,708,646 34,068,036 33,904,737 689 1,042 1,097

Wyoming 216,050 1,304,624 743,404 14 20 22

Countrywide 1,444,833,345 1,837,817,440 1,983,526,253 47,513 62,915 69,448

CW w/o Texas 1,444,833,345 1,837,817,440 1,983,526,253 47,513 62,915 69,448

63

2020/2021 Auto Insurance Database Report

Table 12B-2

BI/PD Combined Single Limits Liability 2018-2020

Voluntary Business

Incurred Losses - Property Damage Incurred Claims - Property Damage

STATE 2020 2019 2018 2020 2019 2018

Alabama 6,023,978 9,391,951 9,717,623 1,134 1,744 1,957

Alaska 182,124 149,857 201,213 31 25 35

Arizona 19,483,325 24,915,142 26,750,068 3,832 5,216 5,701

Arkansas 28,095,349 34,654,648 34,088,148 5,372 7,026 7,116

California 18,658,994 38,814,366 39,742,190 3,410 6,995 8,105

Colorado 26,420,956 35,757,395 32,006,624 5,151 7,446 6,682

Connecticut 31,282,473 43,882,581 47,957,329 6,277 9,584 10,737

Delaware 5,729,837 8,366,827 8,821,045 1,234 1,872 2,092

District of Columbia 3,105,810 2,572,397 2,359,991 791 757 714

Florida 21,721,229 34,551,164 37,315,546 4,532 7,509 8,588

Georgia 44,342,981 51,003,916 49,101,965 8,608 10,530 10,802

Hawaii 4,481,270 5,798,594 5,271,671 948 1,354 1,373

Idaho 4,962,031 6,248,582 6,227,687 1,069 1,367 1,396

Illinois 29,205,765 37,421,059 36,942,823 6,441 8,829 9,066

Indiana 17,245,642 22,187,770 21,758,563 3,730 4,992 5,287

Iowa 8,714,319 12,910,857 13,867,961 1,853 3,054 3,511

Kansas 13,908,981 20,228,929 19,705,906 2,910 4,420 4,573

Kentucky 30,206,484 29,611,415 27,139,112 6,526 6,861 6,475

Louisiana 14,478,692 21,011,657 24,340,550 2,756 4,223 5,009

Maine 11,975,542 16,444,045 18,096,885 2,948 4,622 5,028

Maryland 18,170,722 23,545,362 24,938,761 4,055 6,058 6,577

Massachusetts 0 0 0 0 0 0

Michigan 1,919,941 3,733,295 6,173,211 420 821 1,726

Minnesota 16,895,291 22,910,530 20,573,328 3,552 5,484 5,365

Mississippi 11,656,934 13,705,478 14,698,149 2,148 2,867 3,116

Missouri 38,965,105 49,398,928 49,430,009 8,654 11,629 11,936

Montana 1,928,026 2,812,545 2,462,890 370 562 590

Nebraska 5,824,829 8,723,569 8,850,535 1,193 1,879 2,070

Nevada 32,485,685 12,092,829 13,723,911 1,589 2,463 2,933

New Hampshire 6,103,997 9,341,905 9,694,190 1,461 2,305 2,499

New Jersey 128,915,680 213,753,025 215,587,198 25,148 43,588 46,403

New Mexico 3,241,999 4,710,405 4,835,274 700 1,008 1,119

New York 120,905,793 161,792,265 154,264,470 22,788 33,023 32,421

North Carolina 0 0 0 0 0 0

North Dakota 2,297,880 3,576,565 2,907,465 500 755 715

Ohio 41,739,985 52,211,267 55,514,082 9,575 12,640 13,028

Oklahoma 23,500,933 31,065,139 32,328,108 4,797 6,450 6,994

Oregon 8,662,269 12,360,990 13,006,149 1,813 2,918 3,271

Pennsylvania 62,941,733 85,058,656 70,792,440 14,044 19,113 17,060

Rhode Island 12,249,197 17,268,287 18,427,238 2,089 3,274 3,618

South Carolina 11,892,221 15,457,039 16,721,873 2,481 3,555 3,979

South Dakota 940,729 836,536 838,232 166 190 175

Tennessee 30,034,590 39,719,000 38,617,172 6,226 8,566 8,788

Texas 0 0 0 n/a n/a n/a

Utah 11,826,845 13,366,726 11,494,646 2,380 2,849 2,698

Vermont 2,943,144 4,856,929 5,290,818 752 1,302 1,465

Virginia 15,254,621 21,892,951 22,658,085 3,544 5,509 6,261

Washington 13,387,330 22,938,123 21,775,582 2,672 4,787 4,881

West Virginia 4,628,260 4,431,256 4,542,478 997 1,061 1,048

Wisconsin 17,071,605 24,717,881 25,449,065 3,749 5,736 6,029

Wyoming 510,373 428,578 939,411 99 104 152

Countrywide 987,121,499 1,332,629,211 1,327,947,670 197,515 288,922 301,164

CW w/o Texas 987,121,499 1,332,629,211 1,327,947,670 197,515 288,922 301,164

64

2020/2021 Auto Insurance Database Report

Table 12C

BI/PD Combined Single Limits Liability 2018-2020

Voluntary Business

Pure Premium

Loss Ratio

STATE 2020 2019 2018 2020 2019 2018

Alabama

177.07

313.05

318.91

36.51

66.12

70.85

Alaska

500.07

540.30

298.00

79.05

84.73

48.65

Arizona

303.03

390.50

407.13

53.36

67.11

74.01

Arkansas

236.62

276.09

251.87

65.87

77.52

73.19

California

239.94

440.73

430.72

38.44

69.93

71.08

Colorado

293.75

380.12

404.07

57.99

76.73

86.24

Connecticut

284.48

414.11

434.39

40.84

60.31

66.73

Delaware

278.96

342.04

371.93

44.89

55.76

63.30

District of Columbia

453.92

515.21

408.31

52.57

65.17

58.41

Florida

445.82

610.24

603.78

50.89

72.67

77.25

Georgia

449.49

569.83

514.89

55.61

74.11

72.03

Hawaii

166.41

244.24

214.10

47.22

68.39

62.98

Idaho

173.52

181.60

228.64

51.37

53.49

70.39

Illinois

253.10

317.00

348.60

49.73

63.60

73.16

Indiana

200.97

213.87

242.81

59.06

64.43

76.25

Iowa

140.61

218.64

182.44

54.28

88.08

75.39

Kansas

191.85

243.47

209.86

67.17

84.95

75.93

Kentucky

313.17

333.23

340.08

65.07

70.96

75.08

Louisiana

531.02

684.75

704.55

55.70

72.15

78.07

Maine

133.09

191.34

206.10

45.84

66.74

74.71

Maryland

311.25

366.85

379.77

46.68

55.90

60.80

Massachusetts

-

Michigan

90.39

129.32

136.20

43.01

65.27

72.08

Minnesota

182.61

224.87

219.19

54.31

66.99

67.58

Mississippi

300.12

336.77

363.32

64.03

73.59

81.99

Missouri

277.87

288.38

283.04

78.04

82.13

82.61

Montana

155.10

278.58

263.36

42.81

76.78

79.00

Nebraska

202.21

311.40

240.04

63.86

98.96

76.82

Nevada

797.06

587.67

611.08

109.68

76.49

80.82

New Hampshire

187.63

214.28

220.74

48.19

54.74

57.53

New Jersey

253.33

399.62

433.28

44.44

71.07

80.35

New Mexico

179.72

286.78

327.53

40.44

65.10

74.31

New York

281.79

376.40

377.76

50.63

71.59

76.79

North Carolina

13.75

88.11

-

2.10

13.95

-

North Dakota

103.25

144.40

76.25

70.78

102.28

56.25

Ohio

171.78

222.34

226.95

48.41

64.07

67.15

Oklahoma

229.22

271.42

270.74

58.66

68.09

67.55

Oregon

228.40

268.62

295.53

50.32

58.03

64.88

Pennsylvania

214.50

286.18

270.85

48.97

65.55

63.79

Rhode Island

375.30

451.84

524.70

50.05

61.76

76.37

South Carolina

273.71

315.41

350.89

47.84

58.21

71.01

South Dakota

269.84

94.38

131.22

131.12

45.14

64.55

Tennessee

248.91

295.38

271.23

58.33

70.07

67.46

Texas

n/a

-

Utah

326.37

352.39

339.14

70.05

75.06

73.85

Vermont

124.27

171.21

168.25

43.86

60.41

61.74

Virginia

208.37

262.89

251.88

48.37

60.99

61.01

Washington

218.82

309.18

352.32

40.11

56.57

68.98

West Virginia

208.74

259.37

273.10

48.56

60.90

65.02

Wisconsin

220.94

262.53

256.36

65.82

76.06

75.59

Wyoming

157.88

378.68

353.38

52.76

124.59

124.03

Countrywide

254.85

333.60

340.07

52.06

69.27

73.64

CW w/o Texas

254.85

333.60

340.07

52.06

69.27

73.64

65

2020/2021 Auto Insurance Database Report

Table 12C-1

BI/PD Combined Single Limits Liability 2018-2020

Voluntary Business

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

STATE 2020 2019 2018 2020 2019 2018

Alabama

86.66

176.96

183.47

17.87

37.38

40.76

Alaska

261.07

358.43

82.80

41.27

56.21

13.52

Arizona

188.86

235.53

250.09

33.25

40.48

45.46

Arkansas

124.45

136.29

114.79

34.64

38.27

33.36

California

161.86

280.82

275.35

25.93

44.56

45.44

Colorado

184.09

218.73

249.57

36.34

44.15

53.27

Connecticut

171.89

260.29

278.64

24.68

37.91

42.81

Delaware

169.10

185.70

216.67

27.21

30.27

36.88

District of Columbia

241.79

287.96

199.48

28.00

36.43

28.54

Florida

339.56

452.89

448.94

38.76

53.93

57.44

Georgia

292.04

372.56

328.63

36.13

48.45

45.98

Hawaii

54.68

93.93

77.73

15.52

26.30

22.87

Idaho

93.06

77.84

128.65

27.55

22.93

39.61

Illinois

146.27

170.49

207.57

28.74

34.21

43.56

Indiana

130.08

121.54

153.06

38.22

36.62

48.07

Iowa

60.64

109.00

70.03

23.41

43.91

28.94

Kansas

110.83

127.81

101.79

38.80

44.59

36.83

Kentucky

193.94

199.37

211.45

40.30

42.46

46.68

Louisiana

394.15

509.80

523.29

41.34

53.71

57.98

Maine

66.56

103.40

113.05

22.93

36.07

40.98

Maryland

173.32

181.96

196.44

25.99

27.73

31.45

Massachusetts

-

Michigan

83.22

116.15

116.07

39.59

58.62

61.43

Minnesota

92.91

96.52

103.52

27.63

28.75

31.91

Mississippi

188.58

208.09

226.79

40.23

45.47

51.18

Missouri

183.83

166.10

160.91

51.63

47.31

46.96

Montana

85.85

177.55

180.59

23.69

48.94

54.17

Nebraska

104.65

170.56

103.16

33.05

54.20

33.01

Nevada

240.22

402.40

426.42

33.06

52.38

56.40

New Hampshire

107.35

92.56

100.63

27.57

23.65

26.23

New Jersey

149.75

234.07

269.73

26.27

41.63

50.02

New Mexico

104.05

168.18

203.71

23.41

38.17

46.22

New York

164.19

218.07

228.79

29.50

41.48

46.51

North Carolina

13.75

88.11

-

2.10

13.95

-

North Dakota

49.18

61.82

9.77

33.71

43.78

7.20

Ohio

88.88

116.20

115.51

25.05

33.49

34.18

Oklahoma

116.50

123.81

124.05

29.81

31.06

30.95

Oregon

149.53

160.04

187.98

32.94

34.58

41.27

Pennsylvania

104.58

128.28

131.87

23.88

29.38

31.06

Rhode Island

208.97

233.21

306.71

27.87

31.88

44.64

South Carolina

166.83

183.30

214.89

29.16

33.83

43.49

South Dakota

190.19

22.75

58.30

92.41

10.88

28.68

Tennessee

141.07

152.05

134.42

33.06

36.07

33.43

Texas

n/a

-

Utah

199.95

192.71

193.90

42.91

41.05

42.22

Vermont

71.87

86.91

80.18

25.37

30.67

29.42

Virginia

122.62

142.63

136.09

28.47

33.09

32.97

Washington

128.59

162.81

226.06

23.57

29.79

44.26

West Virginia

110.41

150.73

156.75

25.69

35.39

37.32

Wisconsin

143.62

152.14

146.44

42.79

44.08

43.18

Wyoming

46.96

285.04

156.11

15.69

93.79

54.79

Countrywide

151.41

193.38

203.70

30.93

40.16

44.11

CW w/o Texas

151.41

193.38

203.70

30.93

40.16

44.11

66

2020/2021 Auto Insurance Database Report

Table 12C-2

BI/PD Combined Single Limits Liability 2018-2020

Voluntary Business

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

STATE 2020 2019 2018 2020 2019 2018

Alabama 90.41 136.09 135.44 18.64 28.75 30.09

Alaska 239.01 181.87 215.20 37.78 28.52 35.13

Arizona 114.17 154.97 157.04 20.10 26.63 28.55

Arkansas 112.18 139.80 137.08 31.23 39.25 39.83

California 78.07 159.91 155.37 12.51 25.37 25.64

Colorado 109.65 161.40 154.50 21.65 32.58 32.98

Connecticut 112.59 153.82 155.75 16.16 22.40 23.93

Delaware 109.86 156.35 155.26 17.68 25.49 26.43

District of Columbia 212.13 227.24 208.83 24.57 28.75 29.87

Florida 106.26 157.35 154.84 12.13 18.74 19.81

Georgia 157.45 197.27 186.26 19.48 25.66 26.06

Hawaii 111.73 150.32 136.37 31.70 42.09 40.12

Idaho 80.46 103.76 99.99 23.82 30.56 30.78

Illinois 106.83 146.51 141.03 20.99 29.40 29.60

Indiana 70.89 92.34 89.75 20.83 27.82 28.18

Iowa 79.97 109.64 112.41 30.87 44.17 46.45

Kansas 81.02 115.65 108.07 28.37 40.35 39.10

Kentucky 119.22 133.86 128.63 24.77 28.51 28.40

Louisiana 136.87 174.94 181.26 14.36 18.43 20.08

Maine 66.53 87.94 93.05 22.92 30.68 33.73

Maryland 137.92 184.89 183.32 20.68 28.17 29.35

Massachusetts - - - - - -

Michigan 7.17 13.17 20.13 3.41 6.65 10.65

Minnesota 89.69 128.35 115.67 26.67 38.24 35.66

Mississippi 111.54 128.68 136.53 23.80 28.12 30.81

Missouri 94.05 122.28 122.14 26.41 34.83 35.65

Montana 69.25 101.03 82.77 19.11 27.84 24.83

Nebraska 97.56 140.83 136.89 30.81 44.75 43.81

Nevada 556.83 185.27 184.66 76.62 24.12 24.42

New Hampshire 80.28 121.72 120.10 20.62 31.10 31.30

New Jersey 103.58 165.55 163.56 18.17 29.44 30.33

New Mexico 75.68 118.61 123.82 17.03 26.92 28.09

New York 117.60 158.33 148.97 21.13 30.11 30.28

North Carolina 0.00 0.00 - 0.00 0.00 -

North Dakota 54.08 82.59 66.49 37.07 58.50 49.05

Ohio 82.90 106.14 111.44 23.36 30.59 32.97

Oklahoma 112.72 147.61 146.69 28.85 37.03 36.60

Oregon 78.87 108.57 107.55 17.38 23.46 23.61

Pennsylvania 109.92 157.89 138.98 25.10 36.17 32.73

Rhode Island 166.32 218.62 217.99 22.18 29.88 31.73

South Carolina 106.88 132.12 136.00 18.68 24.38 27.52

South Dakota 79.65 71.63 72.92 38.70 34.26 35.87

Tennessee 107.84 143.33 136.82 25.27 34.00 34.03

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

Utah 126.42 159.68 145.24 27.13 34.01 31.63

Vermont 52.40 84.30 88.07 18.50 29.74 32.32

Virginia 85.75 120.26 115.79 19.91 27.90 28.05

Washington 90.22 146.37 126.26 16.54 26.78 24.72

West Virginia 98.33 108.64 116.35 22.88 25.51 27.70

Wisconsin 77.32 110.39 109.92 23.04 31.98 32.41

Wyoming 110.93 93.64 197.27 37.07 30.81 69.24

Countrywide 103.44 140.22 136.37 21.13 29.12 29.53

CW w/o Texas 103.44 140.22 136.37 21.13 29.12 29.53

67

2020/2021 Auto Insurance Database Report

Table 12D-1

BI/PD Combined Single Limits Liability 2018-2020

Voluntary Business

Frequency - Bodily Injury Component Severity - Bodily Injury Component

STATE 2020 2019 2018 2020 2019 2018

Alabama 0.48 0.75 0.80 17,931.20 23,529.68 22,892.60

Alaska 1.05 1.58 0.64 24,866.50 22,719.08 12,902.33

Arizona 0.77 1.11 1.13 24,434.61 21,201.47 22,176.92

Arkansas 0.55 0.72 0.73 22,471.47 19,012.20 15,710.50

California 0.36 0.57 0.64 44,361.82 49,179.43 42,791.73

Colorado 0.45 0.66 0.76 40,620.48 33,213.96 32,866.74

Connecticut 0.56 0.77 0.83 30,792.27 33,938.50 33,462.32

Delaware 0.68 0.95 1.22 24,844.62 19,562.23 17,737.32

District of Columbia 2.38 1.95 1.81 10,143.21 14,749.98 10,996.53

Florida 0.89 1.26 1.29 38,074.31 35,836.39 34,912.18

Georgia 1.57 1.84 1.75 18,603.37 20,193.51 18,744.40

Hawaii 0.13 0.20 0.23 43,003.88 47,055.69 33,760.55

Idaho 0.45 0.55 0.81 20,794.71 14,162.69 15,834.74

Illinois 0.53 0.75 0.82 27,633.02 22,847.09 25,219.89

Indiana 0.60 0.83 0.93 21,852.22 14,668.23 16,469.81

Iowa 0.30 0.47 0.45 20,207.73 23,337.94 15,455.10

Kansas 0.22 0.31 0.35 51,006.62 41,631.25 29,182.14

Kentucky 0.76 0.78 0.85 25,420.84 25,686.33 24,965.75

Louisiana 1.37 1.80 2.12 28,675.01 28,320.94 24,656.47

Maine 0.34 0.46 0.41 19,769.54 22,457.37 27,689.84

Maryland 1.04 1.37 1.54 16,691.67 13,325.05 12,719.17

Massachusetts - - - - - -

Michigan 0.10 0.14 0.16 82,808.13 81,709.78 71,329.53

Minnesota 0.14 0.21 0.26 65,304.53 46,564.58 39,341.18

Mississippi 0.72 0.87 0.99 26,241.79 23,961.00 22,989.29

Missouri 0.44 0.59 0.65 41,892.98 28,263.49 24,628.82

Montana 0.30 0.47 0.36 28,795.61 38,022.96 49,753.84

Nebraska 0.39 0.55 0.57 26,816.83 30,891.65 18,173.02

Nevada 0.81 1.25 1.57 29,504.48 32,305.66 27,179.60

New Hampshire 0.27 0.39 0.39 39,241.83 23,680.89 25,786.93

New Jersey 0.28 0.42 0.41 52,800.82 55,618.59 66,466.74

New Mexico 0.45 0.69 0.98 23,094.38 24,376.46 20,824.71

New York 0.37 0.45 0.41 43,971.89 48,869.84 55,744.38

North Carolina 0.13 0.00 - 10,598.00 - -

North Dakota 0.08 0.14 0.08 65,306.69 43,178.50 12,941.30

Ohio 0.50 0.66 0.78 17,737.98 17,735.97 14,731.66

Oklahoma 0.56 0.71 0.79 20,975.02 17,451.49 15,675.59

Oregon 0.66 0.84 1.20 22,776.35 18,980.11 15,677.23

Pennsylvania 0.34 0.42 0.39 30,539.04 30,443.47 33,788.31

Rhode Island 0.91 1.33 1.38 23,005.02 17,510.14 22,178.07

South Carolina 0.84 1.15 1.33 19,811.00 15,896.54 16,199.30

South Dakota 0.33 0.42 0.28 57,598.56 5,421.41 20,941.56

Tennessee 0.53 0.73 0.80 26,854.26 20,807.73 16,750.20

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

Utah 0.72 0.90 0.87 27,711.40 21,394.52 22,338.01

Vermont 0.32 0.58 0.52 22,303.36 14,903.48 15,340.83

Virginia 0.47 0.62 0.71 25,936.94 22,978.22 19,159.52

Washington 0.60 1.07 1.39 21,295.59 15,195.84 16,224.06

West Virginia 0.56 0.67 0.65 19,683.89 22,520.00 24,092.66

Wisconsin 0.31 0.47 0.47 46,021.26 32,694.85 30,906.78

Wyoming 0.30 0.44 0.46 15,432.14 65,231.20 33,791.09

Countrywide 0.50 0.66 0.71 30,409.22 29,211.12 28,561.32

CW w/o Texas 0.50 0.66 0.71 30,409.22 29,211.12 28,561.32

68

2020/2021 Auto Insurance Database Report

Table 12D-2

BI/PD Combined Single Limits Liability 2018-2020

Voluntary Business

Frequency - Property Damage Component Severity - Property Damage Component

STATE 2020 2019 2018 2020 2019 2018

Alabama 1.70 2.53 2.73 5,312.15 5,385.29 4,965.57

Alaska 4.07 3.03 3.74 5,874.97 5,994.28 5,748.94

Arizona 2.25 3.24 3.35 5,084.38 4,776.68 4,692.17

Arkansas 2.14 2.83 2.86 5,229.96 4,932.34 4,790.35

California 1.43 2.88 3.17 5,471.85 5,548.87 4,903.42

Colorado 2.14 3.36 3.23 5,129.29 4,802.23 4,789.98

Connecticut 2.26 3.36 3.49 4,983.67 4,578.73 4,466.55

Delaware 2.37 3.50 3.68 4,643.30 4,469.46 4,216.56

District of Columbia 5.40 6.69 6.32 3,926.43 3,398.15 3,305.31

Florida 2.22 3.42 3.56 4,792.86 4,601.30 4,345.08

Georgia 3.06 4.07 4.10 5,151.37 4,843.68 4,545.64

Hawaii 2.36 3.51 3.55 4,727.08 4,282.57 3,839.53

Idaho 1.73 2.27 2.24 4,641.75 4,571.02 4,461.09

Illinois 2.36 3.46 3.46 4,534.35 4,238.43 4,074.88

Indiana 1.53 2.08 2.18 4,623.50 4,444.67 4,115.48

Iowa 1.70 2.59 2.85 4,702.82 4,227.52 3,949.86

Kansas 1.70 2.53 2.51 4,779.72 4,576.68 4,309.19

Kentucky 2.58 3.10 3.07 4,628.64 4,315.90 4,191.37

Louisiana 2.61 3.52 3.73 5,253.52 4,975.53 4,859.36

Maine 1.64 2.47 2.59 4,062.26 3,557.78 3,599.22

Maryland 3.08 4.76 4.83 4,481.07 3,886.66 3,791.81

Massachusetts - - - - - -

Michigan 0.16 0.29 0.56 4,571.29 4,547.25 3,576.60

Minnesota 1.89 3.07 3.02 4,756.56 4,177.70 3,834.73

Mississippi 2.06 2.69 2.89 5,426.88 4,780.42 4,716.99

Missouri 2.09 2.88 2.95 4,502.55 4,247.91 4,141.25

Montana 1.33 2.02 1.98 5,210.88 5,004.53 4,174.39

Nebraska 2.00 3.03 3.20 4,882.51 4,642.67 4,275.62

Nevada 2.72 3.77 3.95 20,444.11 4,909.80 4,679.14

New Hampshire 1.92 3.00 3.10 4,177.96 4,052.89 3,879.23

New Jersey 2.02 3.38 3.52 5,126.28 4,903.94 4,645.98

New Mexico 1.63 2.54 2.87 4,631.43 4,673.02 4,321.07

New York 2.22 3.23 3.13 5,305.68 4,899.38 4,758.17

North Carolina 0.00 0.00 - - - -

North Dakota 1.18 1.74 1.63 4,595.76 4,737.17 4,066.38

Ohio 1.90 2.57 2.62 4,359.27 4,130.64 4,261.14

Oklahoma 2.30 3.06 3.17 4,899.09 4,816.30 4,622.26

Oregon 1.65 2.56 2.70 4,777.86 4,236.12 3,976.20

Pennsylvania 2.45 3.55 3.35 4,481.75 4,450.30 4,149.62

Rhode Island 2.84 4.15 4.28 5,863.67 5,274.37 5,093.21

South Carolina 2.23 3.04 3.24 4,793.32 4,347.97 4,202.53

South Dakota 1.41 1.63 1.52 5,667.04 4,402.82 4,789.90

Tennessee 2.24 3.09 3.11 4,824.06 4,636.82 4,394.31

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

Utah 2.54 3.40 3.41 4,969.26 4,691.73 4,260.43

Vermont 1.34 2.26 2.44 3,913.76 3,730.36 3,611.48

Virginia 1.99 3.03 3.20 4,304.35 3,974.03 3,618.92

Washington 1.80 3.05 2.83 5,010.23 4,791.75 4,461.30

West Virginia 2.12 2.60 2.68 4,642.19 4,176.49 4,334.43

Wisconsin 1.70 2.56 2.60 4,553.64 4,309.25 4,221.11

Wyoming 2.15 2.27 3.19 5,155.28 4,120.94 6,180.34

Countrywide 2.07 3.04 3.09 4,997.70 4,612.42 4,409.38

CW w/o Texas 2.07 3.04 3.09 4,997.70 4,612.42 4,409.38

69

2020/2021 Auto Insurance Database Report

Table 13A

BI/PD Combined Single Limits Liability 2018-2020

Residual Business

Earned Premiums

Earned Exposures

STATE 2020 2019 2018 2020 2019 2018

Alabama 0 0 0 0 0 0

Alaska 0 0 0 0 0 0

Arizona 0 0 0 0 0 0

Arkansas 0 0 0 0 0 0

California 0 0 0 0 0 0

Colorado 0 0 0 0 0 0

Connecticut 0 0 0 0 0 0

Delaware 0 0 0 0 0 0

District of Columbia 0 0 0 0 0 0

Florida 0 0 0 0 0 0

Georgia 0 0 0 0 0 0

Hawaii 0 0 0 0 0 0

Idaho 0 0 0 0 0 0

Illinois 0 0 0 0 0 0

Indiana 0 0 0 0 0 0

Iowa 0 0 0 0 0 0

Kansas 0 0 0 0 0 0

Kentucky 0 0 0 0 0 0

Louisiana 0 0 0 0 0 0

Maine 0 0 0 0 0 0

Maryland 0 0 0 0 0 0

Massachusetts 0 0 0 0 0 0

Michigan 0 0 0 0 0 0

Minnesota 0 0 0 0 0 0

Mississippi 0 0 0 0 0 0

Missouri 0 0 0 0 0 0

Montana 0 0 0 0 0 0

Nebraska 0 0 0 0 0 0

Nevada 0 0 0 0 0 0

New Hampshire 0 0 20,333 0 0 15

New Jersey 56,541 85,124 112,136 26 37 49

New Mexico 0 0 0 0 0 0

New York 0 0 0 0 0 0

North Carolina 0 0 0 0 0 0

North Dakota 0 0 0 0 0 0

Ohio 0 0 0 0 0 0

Oklahoma 0 0 0 0 0 0

Oregon 0 0 0 0 0 0

Pennsylvania 0 0 0 0 0 0

Rhode Island 0 0 0 0 0 0

South Carolina 0 0 0 0 0 0

South Dakota 0 0 0 0 0 0

Tennessee 0 0 0 0 0 0

Texas 0 0 0 n/a n/a n/a

Utah 0 0 0 0 0 0

Vermont 0 0 0 0 0 0

Virginia 0 0 0 0 0 0

Washington 0 0 0 0 0 0

West Virginia 0 0 0 0 0 0

Wisconsin 0 0 0 0 0 0

Wyoming 0 0 0 0 0 0

Countrywide 56,541 85,124 132,469 26 37 64

CW w/o Texas 56,541 85,124 132,469 26 37 64

70

2020/2021 Auto Insurance Database Report

Table 13B-1

BI/PD Combined Single Limits Liability 2018-2020

Residual Business

Incurred Losses - Bodily Injury

Incurred Claims - Bodily Injury

STATE 2020 2019 2018 2020 2019 2018

Alabama 0 0 0 0 0 0

Alaska 0 0 0 0 0 0

Arizona 0 0 0 0 0 0

Arkansas 0 0 0 0 0 0

California 0 0 0 0 0 0

Colorado 0 0 0 0 0 0

Connecticut 0 0 0 0 0 0

Delaware 0 0 0 0 0 0

District of Columbia 0 0 0 0 0 0

Florida 0 0 0 0 0 0

Georgia 0 0 0 0 0 0

Hawaii 0 0 0 0 0 0

Idaho 0 0 0 0 0 0

Illinois 0 0 0 0 0 0

Indiana 0 0 0 0 0 0

Iowa 0 0 0 0 0 0

Kansas 0 0 0 0 0 0

Kentucky 0 0 0 0 0 0

Louisiana 0 0 0 0 0 0

Maine 0 0 0 0 0 0

Maryland 0 0 0 0 0 0

Massachusetts 0 0 0 0 0 0

Michigan 0 0 0 0 0 0

Minnesota 0 0 0 0 0 0

Mississippi 0 0 0 0 0 0

Missouri 0 0 0 0 0 0

Montana 0 0 0 0 0 0

Nebraska 0 0 0 0 0 0

Nevada 0 0 0 0 0 0

New Hampshire 0 0 0 0 0 0

New Jersey 148,453 128,107 505,961 7 7 8

New Mexico 0 0 0 0 0 0

New York 0 0 0 0 0 0

North Carolina 0 0 0 0 0 0

North Dakota 0 0 0 0 0 0

Ohio 0 0 0 0 0 0

Oklahoma 0 0 0 0 0 0

Oregon 0 0 0 0 0 0

Pennsylvania 0 0 0 0 0 0

Rhode Island 0 0 0 0 0 0

South Carolina 0 0 0 0 0 0

South Dakota 0 0 0 0 0 0

Tennessee 0 0 0 0 0 0

Texas 0 0 0 n/a n/a n/a

Utah 0 0 0 0 0 0

Vermont 0 0 0 0 0 0

Virginia 0 0 0 0 0 0

Washington 0 0 0 0 0 0

West Virginia 0 0 0 0 0 0

Wisconsin 0 0 0 0 0 0

Wyoming 0 0 0 0 0 0

Countrywide 148,453 128,107 505,961 7 7 8

CW w/o Texas 148,453 128,107 505,961 7 7 8

71

2020/2021 Auto Insurance Database Report

Table 13B-2

BI/PD Combined Single Limits Liability 2018-2020

Residual Business

Incurred Losses - Property Damage

Incurred Claims - Property Damage

STATE 2020 2019 2018 2020 2019 2018

Alabama 0 0 0 0 0 0

Alaska 0 0 0 0 0 0

Arizona 0 0 0 0 0 0

Arkansas 0 0 0 0 0 0

California 0 0 0 0 0 0

Colorado 0 0 0 0 0 0

Connecticut 0 0 0 0 0 0

Delaware 0 0 0 0 0 0

District of Columbia 0 0 0 0 0 0

Florida 0 0 0 0 0 0

Georgia 0 0 0 0 0 0

Hawaii 0 0 0 0 0 0

Idaho 0 0 0 0 0 0

Illinois 0 0 0 0 0 0

Indiana 0 0 0 0 0 0

Iowa 0 0 0 0 0 0

Kansas 0 0 0 0 0 0

Kentucky 0 0 0 0 0 0

Louisiana 0 0 0 0 0 0

Maine 0 0 0 0 0 0

Maryland 0 0 0 0 0 0

Massachusetts 0 0 0 0 0 0

Michigan 0 0 0 0 0 0

Minnesota 0 0 0 0 0 0

Mississippi 0 0 0 0 0 0

Missouri 0 0 0 0 0 0

Montana 0 0 0 0 0 0

Nebraska 0 0 0 0 0 0

Nevada 0 0 0 0 0 0

New Hampshire 0 0 2,406 0 0 2

New Jersey 333,285 34,353 19,115 94 7 3

New Mexico 0 0 0 0 0 0

New York 0 0 0 0 0 0

North Carolina 0 0 0 0 0 0

North Dakota 0 0 0 0 0 0

Ohio 0 0 0 0 0 0

Oklahoma 0 0 0 0 0 0

Oregon 0 0 0 0 0 0

Pennsylvania 0 0 0 0 0 0

Rhode Island 0 0 0 0 0 0

South Carolina 0 0 0 0 0 0

South Dakota 0 0 0 0 0 0

Tennessee 0 0 0 0 0 0

Texas 0 0 0 n/a n/a n/a

Utah 0 0 0 0 0 0

Vermont 0 0 0 0 0 0

Virginia 0 0 0 0 0 0

Washington 0 0 0 0 0 0

West Virginia 0 0 0 0 0 0

Wisconsin 0 0 0 0 0 0

Wyoming 0 0 0 0 0 0

Countrywide 333,285 34,353 21,521 94 7 5

CW w/o Texas 333,285 34,353 21,521 94 7 5

72

2020/2021 Auto Insurance Database Report

Table 13C

BI/PD Combined Single Limits Liability 2018-2020

Residual Business

Pure Premium Loss Ratio

STATE 2020 2019 2018 2020

2019

2018

Alabama - - - -

-

Alaska - - - -

-

Arizona - - - -

-

Arkansas - - - -

-

California - - - -

-

Colorado - - - -

-

Connecticut - - - -

-

Delaware - - - -

-

District of Columbia - - - -

-

Florida - - - -

-

Georgia - - - -

-

Hawaii - - - -

-

Idaho - - - -

-

Illinois - - - -

-

Indiana - - - -

-

Iowa - - - -

-

Kansas - - - -

-

Kentucky - - - -

-

Louisiana - - - -

-

Maine - - - -

-

Maryland - - - -

-

Massachusetts - - - -

-

Michigan - - - -

-

Minnesota - - - -

-

Mississippi - - - -

-

Missouri - - - -

-

Montana - - - -

-

Nebraska - - - -

-

Nevada - - - -

-

New Hampshire - - 160.40 -

-

11.83

New Jersey 18,528.38 4,390.81 10,715.84 852.02

190.85

468.25

New Mexico - - - -

-

New York - - - -

-

North Carolina - - - -

-

North Dakota - - - -

-

Ohio - - - -

-

Oklahoma - - - -

-

Oregon - - - -

-

Pennsylvania

-

Rhode Island - - - -

-

South Carolina - - - -

-

South Dakota - - - -

-

Tennessee - - - -

-

Texas n/a n/a n/a -

-

Utah - - - -

-

Vermont - - - -

-

Virginia - - - -

-

Washington - - - -

-

West Virginia - - - -

-

Wisconsin - - - -

-

Wyoming - - - -

-

Countrywide 18,528.38 4,390.81 8,241.91 852.02

190.85

398.19

CW w/o Texas 18,528.38 4,390.81 8,241.91 852.02

190.85

398.19

73

2020/2021 Auto Insurance Database Report

Table 13C-1

BI/PD Combined Single Limits Liability 2018-2020

Residual Business

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

STATE 2020 2019 2018 2020

2019

2018

Alabama - - - -

-

Alaska - - - -

-

Arizona - - - -

-

Arkansas - - - -

-

California - - - -

-

Colorado - - - -

-

Connecticut - - - -

-

Delaware - - - -

-

District of Columbia - - - -

-

Florida - - - -

-

Georgia - - - -

-

Hawaii - - - -

-

Idaho - - - -

-

Illinois - - - -

-

Indiana - - - -

-

Iowa - - - -

-

Kansas - - - -

-

Kentucky - - - -

-

Louisiana - - - -

-

Maine - - - -

-

Maryland - - - -

-

Massachusetts - - - -

-

Michigan - - - -

-

Minnesota - - - -

-

Mississippi - - - -

-

Missouri - - - -

-

Montana - - - -

-

Nebraska - - - -

-

Nevada - - - -

-

New Hampshire - - 0.00 -

-

0.00

New Jersey 5,709.73 3,462.35 10,325.73 262.56

150.49

451.20

New Mexico - - - -

-

New York - - - -

-

North Carolina - - - -

-

North Dakota - - - -

-

Ohio - - - -

-

Oklahoma - - - -

-

Oregon - - - -

-

Pennsylvania

-

Rhode Island - - - -

-

South Carolina - - - -

-

South Dakota - - - -

-

Tennessee - - - -

-

Texas n/a n/a n/a -

-

Utah - - - -

-

Vermont - - - -

-

Virginia - - - -

-

Washington - - - -

-

West Virginia - - - -

-

Wisconsin - - - -

-

Wyoming - - - -

-

Countrywide 5,709.73 3,462.35 7,905.64 262.56

150.49

381.95

CW w/o Texas 5,709.73 3,462.35 7,905.64 262.56

150.49

381.95

74

2020/2021 Auto Insurance Database Report

Table 13C-2

BI/PD Combined Single Limits Liability 2018-2020

Residual Business

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

STATE 2020 2019 2018 2020 2019 2018

Alabama - - - - - -

Alaska - - - - - -

Arizona - - - - - -

Arkansas - - - - - -

California - - - - - -

Colorado - - - - - -

Connecticut - - - - - -

Delaware - - - - - -

District of Columbia - - - - - -

Florida - - - - - -

Georgia - - - - - -

Hawaii - - - - - -

Idaho - - - - - -

Illinois - - - - - -

Indiana - - - - - -

Iowa - - - - - -

Kansas - - - - - -

Kentucky - - - - - -

Louisiana - - - - - -

Maine - - - - - -

Maryland - - - - - -

Massachusetts - - - - - -

Michigan - - - - - -

Minnesota - - - - - -

Mississippi - - - - - -

Missouri - - - - - -

Montana - - - - - -

Nebraska - - - - - -

Nevada - - - - - -

New Hampshire - - 160.40 - - 11.83

New Jersey 12,818.65 928.46 390.10 589.46 40.36 17.05

New Mexico - - - - - -

New York - - - - - -

North Carolina - - - - - -

North Dakota - - - - - -

Ohio - - - - - -

Oklahoma - - - - - -

Oregon - - - - - -

Pennsylvania - - - - - -

Rhode Island - - - - - -

South Carolina - - - - - -

South Dakota - - - - - -

Tennessee - - - - - -

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

Utah - - - - - -

Vermont - - - - - -

Virginia - - - - - -

Washington - - - - - -

West Virginia - - - - - -

Wisconsin - - - - - -

Wyoming - - - - - -

Countrywide 12,818.65 928.46 336.27 589.46 40.36 16.25

CW w/o Texas 12,818.65 928.46 336.27 589.46 40.36 16.25

75

2020/2021 Auto Insurance Database Report

Table 13D-1

BI/PD Combined Single Limits Liability 2018-2020

Residual Business

Frequency - Bodily Injury Component Severity - Bodily Injury Component

STATE 2020 2019 2018 2020 2019 2018

Alabama - - - - - -

Alaska - - - - - -

Arizona - - - - - -

Arkansas - - - - - -

California - - - - - -

Colorado - - - - - -

Connecticut - - - - - -

Delaware - - - - - -

District of Columbia - - - - - -

Florida - - - - - -

Georgia - - - - - -

Hawaii - - - - - -

Idaho - - - - - -

Illinois - - - - - -

Indiana - - - - - -

Iowa - - - - - -

Kansas - - - - - -

Kentucky - - - - - -

Louisiana - - - - - -

Maine - - - - - -

Maryland - - - - - -

Massachusetts - - - - - -

Michigan - - - - - -

Minnesota - - - - - -

Mississippi - - - - - -

Missouri - - - - - -

Montana - - - - - -

Nebraska - - - - - -

Nevada - - - - - -

New Hampshire - - 0.00 - - -

New Jersey 26.92 18.92 16.33 21,207.57 18,301.00 63,245.13

New Mexico - - - - - -

New York - - - - - -

North Carolina - - - - - -

North Dakota - - - - - -

Ohio - - - - - -

Oklahoma - - - - - -

Oregon - - - - - -

Pennsylvania - - - - - -

Rhode Island - - - - - -

South Carolina - - - - - -

South Dakota - - - - - -

Tennessee - - - - - -

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

Utah - - - - - -

Vermont - - - - - -

Virginia - - - - - -

Washington - - - - - -

West Virginia - - - - - -

Wisconsin - - - - - -

Wyoming - - - - - -

Countrywide 26.92 18.92 12.50 21,207.57 18,301.00 63,245.13

CW w/o Texas 26.92 18.92 12.50 21,207.57 18,301.00 63,245.13

76

2020/2021 Auto Insurance Database Report

Table 13D-2

BI/PD Combined Single Limits Liability 2018-2020

Residual Business

Frequency - Property Damage Component Severity - Property Damage Component

STATE 2020 2019 2018 2020

2019 2018

Alabama - - - -

- -

Alaska - - - -

- -

Arizona - - - -

- -

Arkansas - - - -

- -

California - - - -

- -

Colorado - - - -

- -

Connecticut - - - -

- -

Delaware - - - -

- -

District of Columbia - - - -

- -

Florida - - - -

- -

Georgia - - - -

- -

Hawaii - - - -

- -

Idaho - - - -

- -

Illinois - - - -

- -

Indiana - - - -

- -

Iowa - - - -

- -

Kansas - - - -

- -

Kentucky - - - -

- -

Louisiana - - - -

- -

Maine - - - -

- -

Maryland - - - -

- -

Massachusetts - - - -

- -

Michigan - - - -

- -

Minnesota - - - -

- -

Mississippi - - - -

- -

Missouri - - - -

- -

Montana - - - -

- -

Nebraska - - - -

- -

Nevada - - - -

- -

New Hampshire - - 13.33 -

- 1,203.00

New Jersey 361.54 18.92 6.12 3,545.59

4,907.57 6,371.67

New Mexico - - - -

- -

New York - - - -

- -

North Carolina - - - -

- -

North Dakota - - - -

- -

Ohio - - - -

- -

Oklahoma - - - -

- -

Oregon - - - -

- -

Pennsylvania - - - -

- -

Rhode Island - - - -

- -

South Carolina - - - -

- -

South Dakota - - - -

- -

Tennessee - - - -

- -

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

n/a n/a

Utah - - - -

- -

Vermont - - - -

- -

Virginia - -

- -

Washington

-

West Virginia - - - -

- -

Wisconsin - - - -

- -

Wyoming - - - -

- -

Countrywide 361.54 18.92 7.81 3,545.59

4,907.57 4,304.20

CW w/o Texas 361.54 18.92 7.81 3,545.59

4,907.57 4,304.20

77

2020/2021 Auto Insurance Database Report

Table 14A

BI/PD Combined Single Limits Liability 2018-2020

Total Business

Earned Premiums Earned Exposures