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2014/2015 AUTO INSURANCE DATABASE

TABLE OF CONTENTS

INTRODUCTION 1

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

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

AVERAGE PREMIUMS AND EXPENDITURES 5

Table 1. Liability, 2011–2015 ..................................................................................................................... 17

Table 2. Collision, 2011–2015 .................................................................................................................... 20

Table 3. Comprehensive, 2011–2015 .......................................................................................................... 23

Table 4. Average Expenditure, 2011–2015 ................................................................................................. 26

Table 5. Combined Average Premium, 2011–2015 .................................................................................... 27

AUTO INSURANCE EARNED AND INCURRED DATA GENERAL INFORMATION 29

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

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

BODILY INJURY LIABILITY 35

Table 6. Bodily Injury Liability - Voluntary Business, 2012–2014 ............................................................ 39

Table 7. Bodily Injury Liability - Residual Business, 2012–2014 .............................................................. 43

Table 8. Bodily Injury Liability - Total Business, 2012–2014 .................................................................... 47

PROPERTY DAMAGE LIABILITY 51

Table 9. Property Damage Liability - Voluntary Business, 2012–2014 ..................................................... 55

Table 10. Property Damage Liability - Residual Business, 2012–2014 ........................................................ 59

Table 11. Property Damage Liability - Total Business, 2012–2014 ............................................................. 63

COMBINED SINGLE LIMITS LIABILITY 67

Table 12. Combined Single Limits Liability - Voluntary Business, 2012–2014 .......................................... 71

Table 13. Combined Single Limits Liability - Residual Business, 2012–2014 ............................................. 79

Table 14. Combined Single Limits Liability - Total Business, 2012–2014 .................................................. 87

© 2017 National Association of Insurance Commissioners


TABLE OF CONTENTS

PERSONAL INJURY PROTECTION 95

Table 15. Personal Injury Protection - Voluntary Business, 2012–2014 ...................................................... 99

Table 16. Personal Injury Protection - Residual Business, 2012–2014 ....................................................... 103

Table 17. Personal Injury Protection - Total Business, 2012–2014 ............................................................ 107

MEDICAL PAYMENTS 111

Table 18. Medical Payments - Voluntary Business, 2012–2014 ................................................................. 115

Table 19. Medical Payments - Residual Business, 2012–2014 ................................................................... 119

Table 20. Medical Payments - Total Business, 2012–2014 ........................................................................ 123

UNINSURED/UNDERINSURED MOTORIST 127

Table 21. Uninsured/Underinsured Motorist - Voluntary Business, 2012–2014 ........................................ 131

Table 22. Uninsured/Underinsured Motorist - Residual Business, 2012–2014 .......................................... 139

Table 23. Uninsured/Underinsured Motorist - Total Business, 2012–2014 ................................................ 147

TOTAL LIABILITY 155

Table 24. Total Liability - Voluntary Business, 2012–2014 ....................................................................... 158

Table 25. Total Liability - Residual Business, 2012–2014 ......................................................................... 161

Table 26. Total Liability - Total Business, 2012–2014 ............................................................................... 164

COLLISION 167

Table 27. Collision - Voluntary Business, 2012–2014 ............................................................................... 170

Table 28. Collision - Residual Business, 2012–2014 .................................................................................. 176

Table 29. Collision - Total Business, 2012–2014 ....................................................................................... 178

COMPREHENSIVE 183

Table 30. Comprehensive - Voluntary Business, 2012–2014 ..................................................................... 186

Table 31. Comprehensive - Residual Business, 2012–2014 ....................................................................... 190

Table 32. Comprehensive - Total Business, 2012–2014 ............................................................................. 194



TABLE OF CONTENTS

TRAFFIC CONDITIONS 199

Table 33. Fatal Accident Rates, 2012–2014 ............................................................................................... 202

Table 34. Traffic Density, 2012–2014 ........................................................................................................ 203

CRIME 205

Table 35. Vehicle Thefts, 2012–2014 ......................................................................................................... 208

AUTO REPAIR COSTS 209

Table Removed

ECONOMIC / DEMOGRAPHIC DATA 213

Table 36. Population Densities, 2012–2014 ................................................................................................ 216

Table 37. Disposable Income, 2012–2014 .................................................................................................. 217

STATE LAWS 219

Table 38. Rate Filing Laws, 2012–2014 and Current ................................................................................. 234

Table 39. Form Filing Laws, 2012–2014 and Current ................................................................................ 236

Table 40. Tort Laws and Thresholds, 2012–2014 ....................................................................................... 238

Table 41. Liability Insurance Laws, 2012–2014 ......................................................................................... 239

Table 42. Personal Injury Protection and Uninsured Motorist Laws, 2012–2014 ...................................... 240

Table 43. Automobile Seat Belt Laws, 2014 .............................................................................................. 241

Table 44. Drunk Driving Laws and Speed Limits, 2014 ............................................................................. 242

APPENDIX 243

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

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

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


INTRODUCTION

The cost of personal automobile insurance has attracted considerable attention from regulators and policymakers. To help the states assess their particular insurance markets, the NAIC Property and Casualty Insurance (C) Committee has directed the Casualty Actuarial and Statistical (C) Task Force in the development of this report. A database has been compiled to make information about cost factors in each state readily available to insurance regulators monitoring the market, and to the public. The database includes information related to insurance markets, traffic conditions, medical costs, crime rates, economic conditions, and state laws related to automobile insurance. The automobile repair costs from Audatex included in prior report years is no longer publicly available.

The data used for this report include written premiums and exposures for calendar years 2011-2015 for the combined voluntary and residual market. Earned and incurred data for calendar/accident years 2012-2014 are also reported, separately, for voluntary and residual market business. Trends are derived from earned premiums, earned exposures, incurred losses, and incurred claims. Definitions of these terms can be found on Page 2.

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

Narratives at the beginning of each section provide information about the type of coverage analyzed, and define the calculations used for the tables in that

section. Any state-specific issues regarding the coverage or data are also noted in the narratives. The insurance data were obtained from the following statistical agents: American Association of Insurance Services (AAIS); Insurance Services Office (ISO); National Independent Statistical Service (NISS); Independent Statistical Service, Inc. (ISS), Massachusetts Commonwealth Automobile Reinsurers (M-CAR); and Maryland Auto Insurance Fund (MAIF). Data were also obtained from the California Department of Insurance and the Texas Department of Insurance. The assistance of these organizations in developing this report is greatly appreciated. There may be data from other small statistical agencies that are not included.

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

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

The tables in this report were prepared under the direction of the Casualty Actuarial and Statistical (C) Task Force. Suggestions about how this database might be further improved are welcome. Questions may be referred to Amy Fitzpatrick, Data Analyst II, (816) 783-8837.

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

© 2017 National Association of Insurance Commissioners 1

Terms and Calculations

Below are definitions of terms and calculations used in this report. Formulas will vary depending on the application, so readers should note the exact methods used in this report. For example, Average Premium may be defined as Written Premiums / Written Exposures instead of Earned Premiums / Earned Exposures.

Terms

Premium: The dollar amount paid for an insurance policy.

Exposure: A finite unit of risk related to a specific insurance coverage. In this report, exposures are expressed as car-years. One car-year is the risk associated with insuring one car for one year.

Loss: The dollar amount associated with a claim.

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

Written Premiums: The total premium amount of all policies issued during a given time period.

Written Exposures: The total number of exposures, in car-years, of all policies issued during a given time period.

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

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

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

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

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

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

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

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

Example 1: An auto policy insuring two cars for six months is issued on 9/28/2008, effective 10/1/2008. The cost of the policy is $600. The policyholders decide to change insurers in early 2009 and cancel the policy effective 1/31/2009.

The written exposure for this policy is 2 cars × 1/2 year = 1 car-year and is included in calendar year 2008 exposures because the policy was issued in 2008. The written premium is $600 (cost of the policy), and is included in calendar year 2008 premiums.


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

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

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

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

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

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

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

Formulas

Tables 1–5

Average Expenditure:

(Liability Written Premium + Collision Written Premium +

Comprehensive Written Premium) Liability Written Exposures

Combined Average Premium:

Liability Average Premium + Collision Average Premium +

Comprehensive Average Premium

Liability Average Premium:

Liability Written Premiums Liability Written Exposures

Collision Average Premium:

Collision Written Premiums Collision Written Exposures

Comprehensive Average Premium:

Comprehensive Written Premiums Comprehensive Written Exposures

Tables 6–35

Pure Premium:

Incurred Losses Earned Exposures

Loss Ratio:

Incurred Losses × 100 Earned Premiums

Frequency:

Incurred Claims × 100 Earned Exposures

Severity:

Incurred Losses Incurred Claims


Average Premiums and Expenditures


2011–2015 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 2011–2015. These statistics measure the relative cost of automobile insurance to consumers in each state. Results are included for bodily injury and property damage liability (including no-fault), collision, and comprehensive coverages—the basic components of a personal auto insurance policy. Average expenditure per insured vehicle is the total written premium for liability, collision, and comprehensive coverages divided by the liability written car-years1 (exposures). This assumes that all insured vehicles carry liability coverage but do not necessarily carry the physical damage coverages (i.e., collision and/or comprehensive). The average expenditure is an estimate of what consumers in the state spent, on average, for auto insurance. In 2015, the countrywide average expenditure was $889, an increase of 2.74% over the previous year. The median state average expenditure was $804. The state combined average premium per insured vehicle, on the other hand, is calculated by summing

1 A written car-year is equal to 365 days of insurance coverage for a single vehicle and is the standard measure of exposure for automobile insurance.

the average premiums for the three coverages. The result is the average cost of an auto insurance policy in the state that contains all three coverages (i.e., liability, comprehensive, and collision). The countrywide combined average premium increased 2.81% in 2015, to $1,009 over the prior year. The median state combined average premium was $938. 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’ 2011–2015 written premiums, written exposures, and average premiums for liability insurance. Tables 2A–2C and Tables 3A–3C show the same for collision and comprehensive insurance, respectively. State average expenditures are provided in Table 4, and state combined average premiums are displayed in Table 5.


Factors that Affect State Average Expenditures and Average Premiums

Many factors affect the state-to-state differences in average expenditures and premiums for automobile insurance. Some important factors include:

• Underwriting and loss adjustment expense• Types of coverages purchased• Relative amounts of coverages purchased• Driving locations• Accident rates• Traffic density• Vehicle theft rates• Auto repair costs• Population density• Medical and legal costs• Per capita disposable income• Rate and form filing laws• Liability insurance requirements• Auto laws (seat belt, speed limits, etc.)

Insurance rates are developed based primarily on the insurer’s cost of paying claims. Certain broad characteristics of a state contribute to the frequency and severity of auto claims and insurer loss costs in

that state. Many of these cost factors can influence insurance prices, not only between states, but also between communities and neighborhoods—making price comparison between states and within a state extremely complex.

It is reasonable to consider that the “general economic conditions” in a state may affect the price of auto insurance, but no direct measure of this characteristic exists. There are measurable variables that can be used as imperfect substitutes for these general conditions to approximate their influence on auto insurance price.

Three variables—urban population, miles driven per number of highway miles, and disposable income per capita—are correlated with the state auto insurance premiums. Graphs on the following pages show these variables for each state. The graphs indicate that high-premium states tend to also be highly urban, with higher wage and price levels, and greater traffic density.


29.7%55.7%

72.8%87.7%

33.8%86.1%88.6%87.8%

73.4%45.3%

76.5%100.0%

84.1%77.7%

64.2%80.6%

91.9%90.1%

66.6%100.0%

62.2%58.7%

48.4%70.3%

35.2%44.9%

74.5%74.9%

81.3%58.4%

94.6%99.6%

74.6%58.2%

68.3%78.3%

87.0%65.6%

56.5%70.1%

81.0%94.1%

78.0%100.0%

91.4%86.3%

97.7%92.5%

60.3%71.5%

67.4%

WYWVWIWAVTVAUTTXTNSDSCRIPAOROKOHNYNVNMNJNHNENDNCMTMSMOMNMIMEMDMALAKYKSINILIDIAHIGAFLDEDCCTCOCAAZARALAK

Source: U.S. Bureau of the Census

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


0.310.64

0.330.95

1.480.55

1.452.35

1.501.64

0.872.29

0.280.33

0.720.82

0.220.60

0.791.58

1.760.62

0.800.41

0.540.52

0.161.02

0.120.21

0.801.92

0.370.59

1.130.92

1.000.47

0.831.27

0.650.11

0.760.23

0.601.08

0.500.71

0.520.49

0.33

AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJ

NMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY

Source: Federal Highway Administration, 2014 Highway Statistics

Millions of Miles Driven per Mile of Roadway 2014


49,75633,53533,92934,321

43,97843,609

56,18659,936

40,25638,350

34,55841,801

39,82033,600

42,25636,364

41,63433,237

37,78750,366

46,87537,04936,419

42,51636,690

31,36536,041

35,09951,311

43,27748,280

49,98333,358

36,47747,446

37,49040,879

36,44542,41442,585

33,29541,825

36,90941,090

33,56643,904

42,26745,143

39,43332,277

49,918

AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJ

NMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY

2014 Disposable Income Per Capita

Source: Bureau of Economic Analysis, 2014


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

2011-2015

2011 2012 2013 2014 2015 Cumulative 4-Year Change

Consumer Price Index - All Items* 3.01% 1.79% 1.51% 0.68% 0.63% 4.69%

CPI - Auto Insurance* 3.41% 4.67% 3.35% 4.74% 5.76% 19.83%

CPI - Total Medical Care* 3.48% 3.22% 2.00% 2.96% 2.61% 11.22%

CPI - Auto Maintenance and Repair* 2.20% 1.27% 1.64% 2.09% 1.68% 6.85%

CPI - Legal Service Fees* 2.70% 1.85% 2.70% 1.43% 2.85% 9.12%

CPI - New Vehicles* 3.23% 1.51% 0.40% 0.59% 0.20% 2.72%

CPI - Used Vehicles* 3.98% -1.85% 2.08% -4.15% 0.96% -3.04%

Average Expenditure** 0.40% 2.19% 3.22% 3.19% 2.74% 11.82%

Combined Average Premium** 0.04% 1.76% 2.86% 3.24% 2.81% 11.11%

Average Liability Premium** 1.58% 2.29% 2.90% 2.34% 1.64% 9.49%

Average Collision Premium** -2.07% 1.15% 2.57% 4.42% 4.64% 13.36%

Average Comprehensive Premium** -0.96% 1.14% 3.35% 4.12% 3.20% 12.32%

* 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 2011 and 2015, the national average expenditure for automobile insurance increased by 11.82%, while the CPI for all goods increased by 4.69%. Over the same period, the automobile insurance component of the CPI increased by 19.83%. The basic economic law of demand explains the difference between the change in the CPI – Auto Insurance component and that of the measured average expenditure. As the price of insurance (as measured by the CPI) increases, the amount of insurance demanded decreases (i.e., dropping coverage or increasing deductibles), leading to a smaller increase or even a decrease in the average expenditure.


The national combined average premium increased by 11.11%, and average liability premiums increased by 9.49% over the 2011–2015 period. Premiums charged for a particular coverage and annual changes in those premiums vary based on the changes in the cost of factors that impact the coverage. Bodily injury liability premiums are affected by medical costs, wage loss costs, litigation costs, etc. Property damage liability and physical damage premiums are affected by the cost of vehicles, auto repairs, auto parts, labor, motor vehicle theft rate, windstorms, hailstorms, etc. Limitations on Comparability of Data Comparisons of average expenditures and average premiums between the states can be misleading. The average expenditure and average premium are imperfect measures of the relative “price” of insurance across the states because the auto insurance product is not homogeneous across states. While these data reflect the average expenditures within a state, it cannot be assumed that the data represent equal exposure and coverage across the states. Policyholder preferences: A state’s average expenditure and average premium will be relatively higher if policyholders in that state tend to purchase higher coverage limits or insure more expensive cars. The type and amount of coverage purchased by an individual is influenced by various factors, both economic and non-economic. Policyholders make choices about coverages, limits, and deductibles that depend on their economic situation, as well as their level of risk aversion, rural or urban driving areas, local weather and traffic conditions, and other factors. Differences in auto insurance requirements, benefit levels, and exposure: Some of the states have tort automobile insurance laws, while others have “no-fault” or “add-on” laws.2 Some of the states do not have a compulsory auto insurance law. Minimum required limits for liability vary from state to state, as well as required policy benefits. Some of the states have a much higher uninsured motorist exposure than others. The average vehicle value differs from state to state. It is worth emphasizing that this report reflects how much consumers, on

2 See State Laws, Page 219.

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.


2011-2015 State Average Expenditures and Average Premiums for Personal Automobile Insurance

Technical Notes

Average Premium = (Coverage written premiums)/(coverage written exposures)

Average Expenditure = (Total all coverages written premiums)/(liability written exposures)

Combined Average Premium = (Liability average premium + collision average premium + comprehensive average premium)

Coverages Included in Liability Written Premiums The liability written premiums data in these tables are for the combined voluntary and residual market business and include (but are not limited to) the following coverages:

Bodily Injury Uninsured or Underinsured Motorist

Bodily Injury Uninsured/Underinsured Motorist

Bodily Injury (Combined – SinglePremium)

Medical Payments Property Damage Uninsured Motorist or Underinsured

Motorist Property Damage Uninsured/Underinsured Motorist

Property Damage (Combined – SinglePremium)

Statutory Uninsured Motorist (NewYork only)

Bodily Injury/Property DamageLiability – Combined Single LimitSingle Premium

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

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

Medical Expenses (Virginia only) Package Automobile Policy –

Indivisible Liability Premium Voluntary Uninsured/Underinsured

Motorist (New York only) All Other Liability Coverages –

Voluntary Risks Only Property Protection Insurance

(Michigan only) Limited Property Damage Coverage

(Michigan only) No Fault or Personal Injury Protection

Data Source Written premium and written exposure data were obtained from AAIS, ISO, ISS, NISS, the California Department of Insurance, the Texas Department of Insurance, MAIF and the M-CAR.

Dividends to Policyholders The written premiums for this report do not include adjustments for dividends to policyholders. The actual amount paid by policyholders with participating policies for auto insurance will be affected by dividends paid.

Historical Data Adjustment Written premium and exposure data are for 2015—the most up-to-date information reported as of year-end 2016. Data for prior years were also adjusted to reflect the most current information for each year. Therefore, historical averages in this report might not match those published in prior reports.


Miscellaneous Vehicles Not Included in This Report Written premium data in these tables may differ from a state’s written premium shown in the insurers’ filed financial annual statements. The premium reported in the financial statements Exhibit of Premiums and Losses (Statutory Page 14) include data for the following types of vehicles that are not included in this report:

Motor Homes Recreational Vehicles Campers Travel Trailers Buggies All-Terrain Vehicles Antique Autos Amphibious Autos Snowmobiles Golf Carts Motorcycles Scooters Mopeds


2011-2015 State Average Expenditures and Combined Average Premiums for Personal Automobile Insurance

Additional State Information

California The 2014 and 2015 California auto insurance data in these tables is preliminary. The California Department of Insurance performs a rigorous set of tests on the data each year to ensure accuracy. The tests are not completed until after the publication of this report. Any adjustments to California data, based on these tests, will appear in the next edition of this report.

District of Columbia The District of Columbia is entirely urban. 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 2011-2015.

Maryland Maryland Automobile Insurance Fund (MAIF) data are included. The statutory purpose of MAIF’s insured program is to provide auto insurance policies to those eligible Maryland residents unable to obtain insurance in the private market. Net premium income and investment income from these policies is available for the payment of claims and MAIF’s administrative expenses. MAIF receives no state general fund appropriations, and the debts or obligations of MAIF are not deemed in any manner to be a department of the state or a pledge of its credit. MAIF is not structured as a residual market mechanism. Instead, it is the insurer of last resort for Maryland residents. See Section 20 of the Insurance Article of the Maryland Ann. Code for more details.

New Jersey New Jersey is predominately urban. Results are not directly comparable to states with large rural areas.

Historically, New Jersey has paid two to four times the national average in dividends to policyholders, and, at times, this has been as high as six times the national average, which would reduce the average expenditure and combined average premium for New Jersey consumers if dividends were included in premium.

Ohio Minimum limits apply to mandatory financial responsibility, which can be satisfied through means other than insurance. Policies issued or renewed prior to December 22, 2013 at the limits of 12.5/25/7.5, continue to constitute proof of financial responsibility for the remainder of the term of that policy. Financial Limits as of December 22, 2013 are 25/50/25.

Texas The Texas Department of Insurance collects vehicle and policies-in-force information at the end of each calendar quarter for voluntary bodily injury liability, involuntary (residual) bodily injury liability and collision coverages. The average number of vehicles reported for policies in force is used as an approximation for written exposures.

Comprehensive exposures are estimated based on the ratio of comprehensive to collision car years for the years of 2013 to 2015. The data to estimate this ratio only includes 70 percent of the private passenger automobile market. That ratio is approximately 1.025. The estimate of comprehensive car-years affects combined average premium, but the estimate does not affect the calculation of the average expenditure because only liability car-years are used for that calculation.


2014/2015 Auto Insurance Database Report

STATE 2015 2014 2013 2012 2011Alabama 1,447,884,076 1,380,131,175 1,330,061,110 1,226,396,160 1,189,805,160Alaska 266,461,531 266,059,836 262,821,952 258,546,568 252,083,000Arizona 2,286,645,841 2,174,802,943 2,049,099,611 1,944,550,017 1,856,516,816Arkansas 834,854,954 804,143,162 782,101,967 759,956,897 751,504,689California 12,769,742,194 12,215,734,271 11,448,831,300 10,827,361,669 10,632,721,685Colorado 2,129,455,251 1,959,089,736 1,807,239,003 1,701,669,942 1,630,464,286Connecticut 1,632,168,809 1,593,902,413 1,561,300,933 1,527,303,280 1,487,328,392Delaware 523,292,419 507,462,718 490,529,761 470,603,441 454,484,954District of Columbia 158,652,806 152,500,866 149,756,983 147,089,310 144,858,066Florida 11,223,752,722 10,533,201,971 10,444,750,115 10,200,909,652 9,465,025,510Georgia 4,100,980,009 3,729,772,878 3,408,274,188 3,126,173,452 2,983,440,718Hawaii 401,020,264 397,014,679 387,643,144 377,635,313 382,134,475Idaho 384,937,527 364,836,383 350,204,743 336,583,138 333,311,081Illinois 3,447,372,562 3,308,124,534 3,218,302,704 3,169,452,766 3,170,641,214Indiana 1,810,859,574 1,725,341,390 1,668,074,029 1,634,375,252 1,593,708,335Iowa 740,415,227 713,169,346 692,534,998 681,778,100 677,005,331Kansas 814,855,394 788,635,463 759,165,120 737,738,281 724,138,082Kentucky 1,701,995,363 1,650,289,782 1,631,501,524 1,582,949,067 1,512,896,137Louisiana 2,258,055,040 2,115,956,383 2,006,573,568 1,895,293,114 1,845,120,788Maine 333,707,545 327,808,760 322,982,355 320,091,427 315,551,615Maryland 2,529,091,319 2,468,758,533 2,388,012,956 2,354,810,137 2,313,038,206Massachusetts 2,597,533,469 2,529,833,825 2,461,684,828 2,388,075,018 2,321,070,280Michigan 4,774,333,019 4,712,667,310 4,388,073,242 3,816,304,044 3,411,858,940Minnesota 1,807,773,272 1,752,816,380 1,697,492,828 1,632,319,490 1,567,221,598Mississippi 882,649,214 851,909,705 815,747,605 780,312,306 749,270,008Missouri 1,753,876,753 1,674,518,430 1,631,524,690 1,592,086,097 1,561,880,595Montana 307,744,893 302,834,664 295,073,771 285,110,969 282,681,328Nebraska 565,977,140 532,143,606 516,536,650 503,088,997 494,262,697Nevada 1,267,288,447 1,199,842,686 1,135,615,337 1,064,358,691 1,029,855,804New Hampshire 371,999,425 361,948,611 352,638,681 344,856,347 339,035,838New Jersey 4,815,092,330 4,798,431,265 4,723,333,943 4,591,739,642 4,422,591,840New Mexico 730,467,642 707,181,997 677,098,402 650,280,775 630,314,781New York 7,637,025,058 7,464,157,609 7,319,283,465 7,196,063,115 6,949,599,048North Carolina 2,711,858,187 2,650,066,551 2,592,790,302 2,571,316,573 2,549,707,134North Dakota 188,967,001 184,030,669 172,313,254 161,049,181 149,821,696Ohio 3,279,968,269 3,172,576,962 3,003,808,659 2,901,616,498 2,830,872,267Oklahoma 1,238,994,541 1,204,471,755 1,161,895,143 1,109,602,626 1,079,662,835Oregon 1,597,292,964 1,542,884,477 1,475,784,586 1,387,341,100 1,326,225,900Pennsylvania 4,313,204,117 4,267,700,294 4,240,069,562 4,193,681,018 4,112,168,342Rhode Island 523,348,129 497,886,360 480,758,242 466,943,542 448,945,424South Carolina 1,946,702,064 1,805,763,241 1,723,322,152 1,643,860,833 1,567,541,528South Dakota 206,734,564 197,192,348 188,268,326 178,005,934 172,442,651Tennessee 1,938,357,086 1,850,134,416 1,775,762,203 1,692,410,988 1,622,191,810Texas 9,557,250,401 8,966,186,327 8,420,801,084 7,922,393,454 7,654,744,064Utah 888,227,154 833,266,911 790,273,075 765,236,441 748,025,524Vermont 165,050,418 162,072,612 160,033,008 156,657,555 154,453,785Virginia 2,638,043,198 2,646,402,068 2,554,775,102 2,448,078,676 2,365,432,904Washington 2,818,944,895 2,664,145,604 2,545,125,751 2,419,180,876 2,357,243,415West Virginia 653,231,411 657,767,646 662,737,140 650,604,410 644,690,264Wisconsin 1,495,326,931 1,439,510,040 1,388,239,897 1,338,664,614 1,363,924,114Wyoming 149,550,333 148,344,869 142,528,455 140,245,551 139,147,249Countrywide 115,619,012,752 110,955,426,460 106,653,151,447 102,272,752,344 98,762,662,203

Table 1A

Average Premiums and Expenditures 2011-2015Liability Written Premiums



STATE 2015 2014 2013 2012 2011Alabama 3,672,842 3,613,059 3,571,246 3,407,747 3,357,715Alaska 493,738 483,223 473,517 474,697 461,088Arizona 4,494,522 4,288,028 4,175,158 4,108,514 4,010,265Arkansas 2,118,239 2,048,985 2,053,947 2,048,314 2,046,104California 26,079,028 25,517,782 24,697,876 24,418,452 24,198,676Colorado 4,094,830 3,912,559 3,815,300 3,784,407 3,693,750Connecticut 2,507,390 2,479,040 2,456,355 2,437,949 2,423,271Delaware 654,685 638,040 626,232 620,002 609,617District of Columbia 252,302 242,353 235,951 235,593 232,389Florida 13,086,738 12,580,903 12,140,012 11,911,583 11,633,579Georgia 7,357,540 7,219,426 7,021,594 6,874,323 6,795,677Hawaii 874,563 865,284 848,075 832,811 822,589Idaho 1,118,078 1,048,017 1,031,545 1,032,462 1,016,329Illinois 7,717,155 7,608,307 7,573,970 7,508,448 7,475,753Indiana 4,732,000 4,641,871 4,595,194 4,344,045 4,323,618Iowa 2,474,781 2,417,806 2,377,893 2,347,242 2,327,630Kansas 2,274,596 2,226,249 2,218,019 2,237,808 2,213,049Kentucky 3,216,104 3,154,823 3,123,452 3,065,328 3,004,659Louisiana 2,910,517 2,820,409 2,771,782 2,714,490 2,683,561Maine 984,774 973,589 967,910 963,942 961,310Maryland 4,147,842 4,065,857 4,005,564 3,962,446 3,920,282Massachusetts 4,286,059 4,225,508 4,176,713 4,126,297 4,101,740Michigan 6,003,055 5,807,837 5,910,794 5,774,143 5,685,076Minnesota 3,957,288 3,866,912 3,842,176 3,808,218 3,755,026Mississippi 1,916,704 1,899,043 1,875,791 1,837,865 1,791,058Missouri 4,217,314 4,117,671 4,088,246 4,081,846 4,052,708Montana 796,658 771,486 759,447 742,933 729,110Nebraska 1,552,141 1,506,379 1,486,269 1,478,244 1,455,511Nevada 1,859,398 1,782,707 1,751,990 1,717,507 1,680,466New Hampshire 928,694 915,139 899,762 882,623 874,899New Jersey 5,537,306 5,442,973 5,350,301 5,335,597 5,307,934New Mexico 1,496,756 1,459,237 1,457,659 1,474,205 1,456,427New York 9,492,795 9,372,505 9,251,571 9,220,879 9,236,251North Carolina 7,545,135 7,390,919 7,299,776 7,209,963 7,118,958North Dakota 633,742 622,003 604,352 590,552 574,345Ohio 8,259,672 8,158,176 8,020,197 7,994,021 7,922,803Oklahoma 2,687,577 2,625,723 2,617,592 2,592,014 2,594,332Oregon 2,734,480 2,636,226 2,621,523 2,629,345 2,614,831Pennsylvania 8,642,698 8,589,148 8,526,461 8,468,280 8,449,809Rhode Island 688,795 672,939 668,152 664,671 661,579South Carolina 3,693,302 3,540,446 3,474,726 3,387,334 3,341,432South Dakota 688,602 663,089 650,575 633,377 622,187Tennessee 4,683,036 4,514,842 4,432,322 4,368,611 4,304,085Texas 18,075,180 17,367,514 16,954,242 16,602,575 16,172,836Utah 1,785,266 1,711,482 1,697,248 1,684,252 1,655,150Vermont 481,029 474,457 465,418 460,019 459,970Virginia 6,198,252 6,184,064 6,143,394 6,097,367 5,992,960Washington 4,724,451 4,515,708 4,469,699 4,421,710 4,353,818West Virginia 1,328,161 1,301,489 1,308,211 1,293,309 1,288,576Wisconsin 3,994,293 3,922,403 3,915,274 3,860,720 3,825,396Wyoming 465,826 442,047 440,927 443,078 434,199Countrywide 214,615,929 209,345,682 205,941,400 203,212,158 200,724,383

Table 1B

Average Premiums and Expenditures 2011-2015Liability Written Exposures



STATE 2015 2014 2013 2012 2011Alabama 394.21 381.98 372.44 359.88 354.35Alaska 539.68 550.59 555.04 544.66 546.71Arizona 508.76 507.18 490.78 473.30 462.94Arkansas 394.13 392.46 380.78 371.02 367.29California 489.66 478.71 463.56 443.41 439.39Colorado 520.04 500.72 473.68 449.65 441.41Connecticut 650.94 642.95 635.62 626.47 613.77Delaware 799.30 795.35 783.30 759.04 745.53District of Columbia 628.82 629.25 634.70 624.34 623.34Florida 857.64 837.24 860.36 856.39 813.60Georgia 557.38 516.63 485.40 454.76 439.02Hawaii 458.54 458.83 457.09 453.45 464.55Idaho 344.29 348.12 339.50 326.00 327.96Illinois 446.72 434.80 424.92 422.12 424.12Indiana 382.68 371.69 363.00 376.23 368.61Iowa 299.18 294.97 291.24 290.46 290.86Kansas 358.24 354.24 342.27 329.67 327.21Kentucky 529.21 523.10 522.34 516.40 503.52Louisiana 775.83 750.23 723.93 698.21 687.56Maine 338.87 336.70 333.69 332.07 328.25Maryland 609.74 607.19 596.17 594.28 590.02Massachusetts 606.04 598.71 589.38 578.75 565.87Michigan 795.32 811.43 742.38 660.93 600.14Minnesota 456.82 453.29 441.81 428.63 417.37Mississippi 460.50 448.60 434.88 424.58 418.34Missouri 415.88 406.67 399.08 390.04 385.39Montana 386.29 392.53 388.54 383.76 387.71Nebraska 364.64 353.26 347.54 340.33 339.58Nevada 681.56 673.05 648.19 619.71 612.84New Hampshire 400.56 395.51 391.92 390.72 387.51New Jersey 869.57 881.58 882.82 860.59 833.20New Mexico 488.03 484.62 464.51 441.11 432.78New York 804.51 796.39 791.14 780.41 752.43North Carolina 359.42 358.56 355.19 356.63 358.16North Dakota 298.18 295.87 285.12 272.71 260.86Ohio 397.11 388.88 374.53 362.97 357.31Oklahoma 461.01 458.72 443.88 428.09 416.16Oregon 584.13 585.26 562.95 527.64 507.19Pennsylvania 499.06 496.87 497.28 495.22 486.66Rhode Island 759.80 739.87 719.53 702.52 678.60South Carolina 527.09 510.04 495.96 485.30 469.12South Dakota 300.22 297.38 289.39 281.04 277.16Tennessee 413.91 409.79 400.64 387.40 376.90Texas 528.75 516.26 496.68 477.18 473.31Utah 497.53 486.87 465.62 454.35 451.94Vermont 343.12 341.60 343.85 340.55 335.79Virginia 425.61 427.94 415.86 401.50 394.70Washington 596.67 589.97 569.42 547.11 541.42West Virginia 491.83 505.40 506.60 503.05 500.31Wisconsin 374.37 367.00 354.57 346.74 356.54Wyoming 321.04 335.59 323.25 316.53 320.47Countrywide 538.73 530.01 517.88 503.28 492.03

Table 1C

Average Premiums and Expenditures 2011-2015Liability Average Premium



STATE 2015 2014 2013 2012 2011Alabama 798,087,997 744,105,294 704,499,674 675,812,300 677,755,963Alaska 113,448,900 110,904,252 108,893,606 107,534,247 103,637,642Arizona 882,241,216 820,732,551 762,900,219 714,521,209 703,273,918Arkansas 450,297,516 421,775,807 404,348,654 390,840,354 380,936,674California 7,262,241,098 6,587,507,273 6,146,877,510 5,832,541,842 5,587,224,233Colorado 839,773,770 759,759,487 698,708,372 674,035,990 653,702,329Connecticut 709,075,024 683,110,825 653,435,563 622,170,477 613,011,132Delaware 161,591,793 150,185,736 141,534,975 135,231,050 131,886,161District of Columbia 92,556,251 89,087,546 84,961,862 81,108,304 77,418,260Florida 2,996,167,251 2,639,703,189 2,354,689,949 2,204,911,023 2,173,693,063Georgia 1,661,372,534 1,551,005,077 1,467,966,923 1,431,065,165 1,424,136,532Hawaii 199,238,390 188,110,587 176,845,948 170,548,883 169,015,152Idaho 163,090,270 148,320,516 139,720,476 137,954,619 135,052,414Illinois 1,914,906,041 1,790,097,920 1,676,743,463 1,627,203,665 1,583,495,107Indiana 884,910,614 825,912,334 779,237,573 748,794,435 725,431,956Iowa 394,562,142 371,495,988 354,256,796 341,059,063 328,309,035Kansas 398,831,478 382,238,381 363,872,594 355,887,078 351,461,013Kentucky 556,845,888 525,221,169 503,960,063 481,731,261 466,645,996Louisiana 864,659,833 809,945,966 755,290,171 718,699,131 731,111,779Maine 191,441,203 185,852,189 176,620,432 169,264,544 167,598,866Maryland 1,158,221,131 1,092,115,678 1,040,602,718 999,512,643 977,372,419Massachusetts 1,412,592,920 1,339,163,592 1,260,526,051 1,178,720,989 1,102,080,643Michigan 1,844,406,144 1,693,137,359 1,608,896,651 1,566,215,531 1,517,115,510Minnesota 702,192,318 653,145,992 608,503,180 582,965,684 549,679,058Mississippi 421,156,542 395,847,206 377,383,956 358,982,192 349,175,990Missouri 824,664,449 774,249,369 750,560,718 733,169,759 714,404,914Montana 131,634,649 126,257,410 118,914,688 111,816,593 106,102,492Nebraska 245,732,574 232,495,755 219,699,717 213,044,895 202,418,091Nevada 403,091,656 374,620,362 355,571,754 349,202,222 347,124,884New Hampshire 252,002,546 235,143,556 220,265,314 205,162,059 197,196,100New Jersey 1,612,653,383 1,530,667,734 1,470,622,257 1,424,622,068 1,386,533,354New Mexico 249,271,176 234,615,743 227,962,323 226,671,081 228,327,610New York 2,747,819,910 2,570,425,982 2,444,064,423 2,347,371,843 2,272,137,507North Carolina 1,474,932,899 1,397,268,652 1,296,721,426 1,205,359,785 1,127,377,196North Dakota 107,823,712 102,700,873 94,300,008 85,424,100 78,387,216Ohio 1,692,347,314 1,608,098,138 1,529,550,894 1,466,550,841 1,401,663,801Oklahoma 566,115,092 531,134,124 499,028,841 489,372,954 474,845,922Oregon 455,951,189 421,162,814 393,664,090 381,201,059 380,853,847Pennsylvania 2,225,660,392 2,105,916,990 1,993,033,866 1,930,838,064 1,901,383,199Rhode Island 198,728,264 183,663,110 172,438,995 163,300,525 158,102,147South Carolina 689,910,271 638,751,620 599,538,781 571,146,557 557,429,630South Dakota 95,278,251 90,189,648 85,816,107 81,204,549 77,254,762Tennessee 1,002,187,641 940,223,204 895,940,458 845,191,435 791,477,806Texas 4,683,067,805 4,288,062,926 3,904,347,777 3,620,547,804 3,418,565,496Utah 355,874,546 329,204,181 312,203,683 302,749,144 301,704,523Vermont 111,280,990 105,299,655 98,741,633 94,686,067 92,998,477Virginia 1,327,259,720 1,278,457,606 1,214,494,048 1,154,547,129 1,121,217,961Washington 941,760,622 879,200,998 825,455,728 791,145,463 780,510,453West Virginia 283,905,824 283,713,489 274,892,557 266,150,303 256,361,593Wisconsin 702,526,638 661,429,984 626,353,696 590,853,420 572,991,053Wyoming 81,273,308 77,651,580 73,118,874 74,335,955 74,083,111Countrywide 50,536,663,085 46,959,087,417 44,048,580,035 42,032,977,353 40,701,673,990

Table 2A

Average Premiums and Expenditures 2011-2015Collision Written Premiums



STATE 2015 2014 2013 2012 2011Alabama 2,510,002 2,450,079 2,409,374 2,349,952 2,306,568Alaska 323,388 308,630 301,290 293,874 285,177Arizona 3,173,980 3,050,244 2,993,511 2,908,859 2,824,328Arkansas 1,399,296 1,341,631 1,339,333 1,322,428 1,310,223California 18,313,425 17,599,185 17,011,512 16,715,128 16,353,470Colorado 2,926,071 2,804,980 2,735,931 2,670,494 2,602,956Connecticut 1,924,189 1,902,643 1,882,717 1,861,485 1,831,868Delaware 506,917 494,264 485,264 472,731 466,652District of Columbia 197,487 193,045 188,140 185,526 181,124Florida 10,588,753 10,158,356 9,711,463 9,401,463 9,184,232Georgia 5,006,627 4,838,303 4,685,761 4,526,757 4,444,333Hawaii 636,189 624,264 605,862 589,604 576,610Idaho 744,522 703,078 688,221 670,843 654,592Illinois 6,182,936 6,080,290 6,031,224 5,948,469 5,888,414Indiana 3,535,598 3,441,371 3,400,476 3,187,811 3,131,973Iowa 1,795,521 1,766,937 1,726,823 1,689,580 1,654,209Kansas 1,514,584 1,482,260 1,471,069 1,457,945 1,436,560Kentucky 2,078,492 2,013,528 1,980,557 1,942,870 1,901,011Louisiana 2,086,732 2,014,576 1,986,232 1,930,938 1,892,563Maine 736,379 728,628 718,416 702,343 689,480Maryland 3,271,947 3,217,045 3,173,670 3,130,311 3,073,906Massachusetts 3,638,071 3,557,669 3,490,586 3,432,162 3,400,095Michigan 4,456,880 4,340,992 4,266,751 4,250,140 4,138,111Minnesota 2,995,687 2,931,305 2,897,252 2,842,134 2,779,723Mississippi 1,303,003 1,285,285 1,261,003 1,230,268 1,193,545Missouri 2,995,681 2,943,706 2,919,448 2,896,509 2,860,609Montana 496,140 475,483 465,420 452,158 440,532Nebraska 1,036,268 1,012,173 995,292 975,940 956,491Nevada 1,326,559 1,277,781 1,248,544 1,204,463 1,168,206New Hampshire 819,747 801,534 788,475 771,854 751,130New Jersey 4,223,100 4,121,753 4,036,394 3,997,612 3,936,520New Mexico 899,948 875,131 870,301 864,975 850,957New York 7,136,755 7,016,150 6,890,603 6,785,031 6,678,553North Carolina 5,023,740 5,001,851 4,929,403 4,845,110 4,734,555North Dakota 441,739 429,418 411,625 394,352 376,415Ohio 6,271,596 6,180,272 6,090,617 6,015,828 5,936,833Oklahoma 1,777,581 1,730,065 1,720,306 1,688,650 1,662,027Oregon 2,010,105 1,931,508 1,903,811 1,873,054 1,838,267Pennsylvania 6,801,287 6,679,455 6,610,606 6,515,760 6,418,548Rhode Island 482,924 468,099 463,360 457,275 448,949South Carolina 2,602,717 2,540,173 2,468,714 2,386,728 2,328,297South Dakota 456,801 440,741 427,800 414,650 404,823Tennessee 3,242,564 3,121,950 3,068,206 3,009,706 2,943,428Texas 12,505,316 11,990,883 11,654,249 11,275,527 10,876,061Utah 1,338,383 1,284,824 1,256,920 1,221,764 1,189,100Vermont 376,691 369,458 362,658 351,245 344,933Virginia 4,731,418 4,670,954 4,608,313 4,545,136 4,454,259Washington 3,543,867 3,417,707 3,389,920 3,278,407 3,213,956West Virginia 861,190 867,766 860,421 849,160 837,953Wisconsin 3,108,475 3,045,379 3,015,488 2,948,829 2,888,295Wyoming 291,484 283,929 280,954 278,218 271,707Countrywide 156,648,752 152,306,731 149,180,286 146,012,056 143,013,127

Table 2B

Average Premiums and Expenditures 2011-2015Collision Written Exposures




Table 2C

Average Premiums and Expenditures 2011-2015Collision Average Premium



STATE 2015 2014 2013 2012 2011Alabama 409,073,125 387,054,010 370,702,308 343,699,070 326,280,639Alaska 50,819,542 50,011,889 49,374,470 48,402,061 46,857,619Arizona 624,152,067 594,557,398 575,944,275 552,579,623 554,403,396Arkansas 274,780,521 267,083,420 257,565,382 240,943,549 229,210,472California 1,912,089,237 1,804,309,447 1,732,056,099 1,721,921,816 1,694,290,291Colorado 541,848,323 494,121,768 462,175,060 416,988,248 388,679,684Connecticut 287,900,036 280,606,751 269,319,649 256,135,507 248,803,351Delaware 65,164,858 60,621,289 57,494,758 54,694,585 52,524,364District of Columbia 49,129,417 47,406,085 45,470,802 43,891,245 42,514,169Florida 1,291,134,099 1,179,551,521 1,085,938,777 1,036,833,277 1,048,873,432Georgia 833,665,517 783,119,036 745,140,775 724,565,499 716,788,330Hawaii 68,537,893 65,230,828 62,461,512 64,076,286 64,515,911Idaho 93,558,753 86,038,353 80,906,354 77,377,841 75,479,269Illinois 839,504,915 800,060,374 745,659,026 694,326,728 683,226,700Indiana 456,872,635 429,722,427 409,850,840 386,001,599 367,473,637Iowa 347,482,088 331,457,142 313,697,168 294,582,631 278,890,309Kansas 374,995,498 362,604,744 341,485,173 320,824,789 309,584,181Kentucky 320,375,519 294,374,675 278,355,496 264,058,309 257,520,115Louisiana 462,361,251 438,618,719 415,390,141 405,971,334 404,199,089Maine 83,174,568 77,211,111 74,197,325 72,339,701 71,894,059Maryland 530,247,092 509,754,656 493,956,573 474,538,615 457,918,658Massachusetts 526,679,932 506,605,276 487,824,954 463,159,667 441,177,640Michigan 773,339,535 722,522,649 690,700,164 673,824,014 662,998,990Minnesota 607,363,800 581,279,431 554,629,732 521,321,222 496,580,794Mississippi 281,894,133 265,757,661 247,854,570 236,237,378 227,182,996Missouri 563,542,456 533,045,714 496,937,918 465,976,881 457,691,060Montana 112,307,436 106,832,810 100,789,473 92,235,232 88,461,706Nebraska 246,129,557 233,839,306 213,005,437 195,611,325 180,102,687Nevada 161,847,873 154,163,352 148,503,123 142,190,412 143,690,759New Hampshire 95,766,250 90,430,756 86,637,707 82,954,503 81,345,413New Jersey 580,759,058 549,023,055 521,289,079 493,063,670 487,338,243New Mexico 161,620,887 151,798,294 148,328,676 147,749,360 148,825,504New York 1,337,240,024 1,259,584,289 1,170,764,850 1,089,287,820 1,042,242,141North Carolina 758,070,693 711,201,232 671,071,086 629,920,880 594,606,361North Dakota 107,247,144 105,278,149 99,963,357 93,731,756 87,525,660Ohio 830,811,592 788,940,388 754,939,441 707,332,213 677,442,179Oklahoma 408,124,931 385,488,567 350,028,465 319,403,245 303,577,616Oregon 210,990,945 194,586,999 184,408,750 181,137,755 185,338,235Pennsylvania 1,051,010,232 993,380,881 941,223,772 885,125,568 854,349,445Rhode Island 68,622,632 62,780,036 59,220,397 57,371,572 57,255,639South Carolina 515,748,301 474,916,742 437,465,551 400,504,916 375,296,403South Dakota 122,012,103 111,352,401 102,839,997 93,268,773 85,343,205Tennessee 513,604,247 482,010,253 449,537,924 406,414,113 383,915,192Texas 2,645,910,555 2,474,509,889 2,327,360,455 2,134,281,950 2,010,069,030Utah 155,723,121 148,990,995 142,477,090 133,229,000 129,966,018Vermont 50,855,001 48,224,284 46,379,749 44,666,114 43,942,516Virginia 688,652,431 670,792,266 646,130,088 615,559,857 586,190,788Washington 416,850,603 393,552,169 376,380,641 369,297,984 371,531,157West Virginia 198,771,041 191,904,337 185,923,988 178,341,704 173,673,400Wisconsin 457,606,980 434,788,113 417,066,455 382,428,082 359,207,487Wyoming 75,057,885 69,648,960 66,331,050 61,765,600 55,920,762Countrywide 24,641,028,332 23,240,744,897 21,993,155,902 20,792,144,879 20,112,716,701

Table 3A

Average Premiums and Expenditures 2011-2015Comprehensive Written Premiums



STATE 2015 2014 2013 2012 2011Alabama 2,617,105 2,556,545 2,523,263 2,444,552 2,395,807Alaska 370,247 356,850 348,484 338,560 326,862Arizona 3,353,450 3,202,865 3,184,065 3,053,384 2,958,688Arkansas 1,443,078 1,381,388 1,388,870 1,365,076 1,339,648California 19,017,367 18,275,217 17,710,299 17,334,363 16,938,726Colorado 3,103,253 2,942,220 2,915,874 2,823,491 2,718,981Connecticut 2,187,276 2,145,342 2,131,625 2,106,845 2,077,252Delaware 531,987 520,413 512,379 504,135 493,414District of Columbia 210,637 202,891 197,534 192,530 187,934Florida 11,080,144 10,562,255 10,160,778 9,813,065 9,547,473Georgia 5,237,163 5,083,594 4,946,237 4,793,405 4,683,901Hawaii 674,827 665,582 656,243 631,838 618,705Idaho 802,711 754,366 748,727 719,470 700,883Illinois 6,551,789 6,406,206 6,409,165 6,281,095 6,211,353Indiana 3,743,044 3,665,150 3,648,177 3,406,452 3,336,668Iowa 1,893,302 1,857,382 1,826,942 1,790,573 1,746,687Kansas 1,553,663 1,519,278 1,509,720 1,513,728 1,484,383Kentucky 2,265,845 2,204,301 2,171,299 2,127,643 2,085,374Louisiana 2,148,772 2,069,965 2,040,979 1,983,374 1,946,236Maine 792,309 793,167 777,731 764,718 790,500Maryland 3,471,936 3,405,189 3,353,585 3,312,976 3,250,355Massachusetts 3,902,376 3,819,430 3,753,242 3,679,322 3,642,149Michigan 4,994,165 4,845,454 4,772,048 4,728,505 4,608,002Minnesota 3,296,065 3,220,035 3,226,991 3,131,252 3,064,159Mississippi 1,340,253 1,322,108 1,297,830 1,266,126 1,229,387Missouri 3,108,921 3,033,798 3,037,081 2,987,479 2,950,271Montana 529,987 507,565 507,239 483,866 471,425Nebraska 1,073,637 1,048,481 1,037,207 1,015,857 995,031Nevada 1,375,877 1,315,399 1,293,953 1,242,371 1,198,545New Hampshire 864,548 848,160 849,202 835,913 842,772New Jersey 4,421,304 4,348,479 4,254,077 4,191,400 4,126,649New Mexico 936,533 905,165 913,425 906,300 881,946New York 7,814,432 7,630,508 7,521,712 7,393,750 7,231,213North Carolina 5,570,832 5,455,264 5,515,862 5,474,658 5,317,189North Dakota 464,201 451,723 436,419 415,812 398,506Ohio 6,831,528 6,709,773 6,679,781 6,592,162 6,500,688Oklahoma 1,807,158 1,753,384 1,772,746 1,726,370 1,689,989Oregon 2,247,735 2,143,319 2,131,177 2,084,015 2,054,508Pennsylvania 7,288,094 7,184,552 7,146,156 7,122,102 7,027,377Rhode Island 519,129 501,542 498,223 492,840 484,363South Carolina 2,850,359 2,710,887 2,644,736 2,563,726 2,516,045South Dakota 472,715 459,625 452,417 435,686 424,159Tennessee 3,459,744 3,333,396 3,287,681 3,217,613 3,146,167Texas 12,817,949 12,866,218 12,505,009 12,098,640 11,670,013Utah 1,422,104 1,359,880 1,332,690 1,291,232 1,253,450Vermont 405,272 401,266 390,732 383,561 396,809Virginia 5,043,566 4,987,285 4,970,300 4,890,500 4,784,126Washington 3,918,491 3,752,523 3,722,261 3,599,074 3,519,876West Virginia 973,038 959,028 952,073 942,617 932,120Wisconsin 3,344,897 3,278,027 3,271,401 3,195,285 3,121,739Wyoming 303,176 296,060 300,108 290,760 282,414Countrywide 166,447,991 162,018,500 159,635,755 155,980,067 152,600,917

Table 3B

Average Premiums and Expenditures 2011-2015Comprehensive Written Exposures




Table 3C

Average Premiums and Expenditures 2011-2015Comprehensive Average Premium



STATE 2015 2014 2013 2012 2011Alabama 722.89 695.06 673.51 659.06 653.37Alaska 872.39 883.60 889.28 873.15 873.11Arizona 843.92 837.24 811.45 781.71 776.56Arkansas 736.43 728.65 703.04 679.46 665.49California 841.45 807.58 782.57 752.78 740.30Colorado 857.44 821.19 777.95 737.95 723.61Connecticut 1,048.56 1,031.70 1,011.28 986.73 969.41Delaware 1,145.66 1,125.74 1,101.12 1,065.37 1,048.03District of Columbia 1,190.39 1,192.45 1,187.49 1,154.91 1,139.43Florida 1,185.25 1,140.81 1,143.77 1,128.54 1,090.60Georgia 896.50 839.94 800.58 768.34 754.06Hawaii 764.72 751.61 739.26 735.17 748.45Idaho 573.83 571.74 553.38 534.56 535.11Illinois 803.64 775.24 744.75 731.31 727.33Indiana 666.24 642.19 621.77 637.46 621.38Iowa 599.03 585.71 572.14 561.26 551.72Kansas 698.45 688.82 660.28 632.07 625.92Kentucky 801.97 782.89 772.80 759.70 744.53Louisiana 1,231.77 1,192.92 1,146.29 1,112.53 1,110.63Maine 617.73 606.90 592.82 582.71 577.38Maryland 1,016.81 1,001.17 979.28 966.29 956.14Massachusetts 1,058.50 1,035.52 1,007.98 976.65 942.12Michigan 1,231.39 1,227.36 1,131.43 1,048.87 983.62Minnesota 787.74 772.51 744.53 718.61 696.00Mississippi 827.31 796.99 768.20 748.44 740.14Missouri 745.04 724.15 704.22 683.82 674.60Montana 692.50 694.67 677.83 658.42 654.56Nebraska 681.54 662.83 638.67 616.78 602.39Nevada 985.39 969.66 935.90 905.82 904.91New Hampshire 775.03 751.28 733.02 717.15 705.88New Jersey 1,265.69 1,263.67 1,255.12 1,220.00 1,186.24New Mexico 762.56 749.43 722.66 695.09 691.74New York 1,234.84 1,205.03 1,181.87 1,153.11 1,111.27North Carolina 655.37 643.84 624.76 611.18 600.04North Dakota 637.54 630.24 606.56 576.08 549.73Ohio 702.59 682.70 659.37 634.91 619.73Oklahoma 823.51 807.81 768.25 740.11 716.21Oregon 828.03 818.84 783.46 741.51 723.72Pennsylvania 878.18 857.71 841.42 827.75 812.79Rhode Island 1,147.95 1,106.09 1,066.25 1,034.52 1,004.12South Carolina 853.53 824.59 794.40 772.14 748.26South Dakota 615.78 601.33 579.37 556.51 538.49Tennessee 737.59 724.80 704.20 673.90 649.98Texas 934.22 905.64 864.24 823.80 808.97Utah 784.10 766.27 733.51 713.20 712.74Vermont 680.18 665.17 655.66 643.47 633.51Virginia 750.85 743.14 718.72 691.80 679.60Washington 884.24 871.82 838.30 809.56 806.02West Virginia 855.25 870.84 858.85 846.74 834.04Wisconsin 664.81 646.47 621.07 598.84 600.23Wyoming 656.64 668.81 639.51 623.70 619.88Countrywide 889.01 865.34 838.56 812.44 795.01

Table 4

Average Premiums and Expenditures 2011-2015Average Expenditure



STATE 2015 2014 2013 2012 2011Alabama 868.48 837.09 811.75 788.07 784.38Alaska 1,027.75 1,050.09 1,058.15 1,053.54 1,053.48Arizona 972.85 961.88 926.52 899.91 899.33Arkansas 906.34 900.18 868.13 843.07 829.13California 986.75 951.75 922.69 891.68 881.07Colorado 981.64 939.52 887.57 849.74 835.50Connecticut 1,151.07 1,132.78 1,109.03 1,082.28 1,068.18Delaware 1,240.57 1,215.69 1,187.18 1,153.59 1,134.60District of Columbia 1,330.73 1,324.39 1,316.48 1,289.49 1,276.99Florida 1,257.13 1,208.77 1,209.70 1,196.57 1,160.13Georgia 1,048.40 991.25 949.33 922.05 912.49Hawaii 873.28 858.16 844.16 844.12 861.95Idaho 679.89 673.13 650.57 639.19 641.96Illinois 884.56 854.10 819.27 806.21 803.04Indiana 755.03 728.93 704.50 724.44 710.36Iowa 702.46 683.67 668.09 656.84 648.99Kansas 862.93 850.79 815.82 785.72 780.43Kentucky 938.51 917.49 904.99 888.46 872.48Louisiana 1,405.36 1,364.17 1,307.72 1,275.10 1,281.55Maine 703.82 689.12 674.94 667.66 662.28Maryland 1,116.45 1,096.37 1,071.35 1,056.82 1,048.86Massachusetts 1,129.29 1,107.76 1,080.48 1,048.06 1,011.14Michigan 1,364.00 1,350.58 1,264.20 1,171.94 1,110.64Minnesota 875.49 856.62 823.70 800.24 777.17Mississippi 994.05 957.59 925.13 902.95 895.69Missouri 872.43 845.39 819.79 799.14 790.27Montana 863.52 868.55 842.74 821.68 816.21Nebraska 831.02 805.99 773.64 751.18 732.21Nevada 1,103.05 1,083.42 1,047.74 1,024.09 1,029.87New Hampshire 818.75 795.50 773.30 755.76 746.57New Jersey 1,382.79 1,379.20 1,369.70 1,334.59 1,303.52New Mexico 937.59 920.42 888.83 866.19 869.85New York 1,360.66 1,327.82 1,301.49 1,273.70 1,236.77North Carolina 789.09 768.28 739.91 720.47 708.10North Dakota 773.30 768.09 743.27 714.75 688.74Ohio 788.56 766.66 738.68 714.05 697.61Oklahoma 1,005.32 985.58 931.41 902.90 881.50Oregon 904.83 894.10 856.26 818.07 804.59Pennsylvania 970.51 950.42 930.48 915.83 904.47Rhode Island 1,303.50 1,257.40 1,210.55 1,176.05 1,148.97South Carolina 973.10 936.69 904.22 880.82 857.70South Dakota 766.91 744.28 717.30 690.95 669.20Tennessee 871.43 855.56 829.38 794.53 767.82Texas 1,109.66 1,066.20 1,017.81 974.68 959.87Utah 872.93 852.66 820.92 805.32 809.35Vermont 764.02 746.79 734.82 726.57 716.14Virginia 842.67 836.14 809.40 781.38 768.95Washington 968.80 952.10 914.04 891.04 889.82West Virginia 1,025.78 1,032.45 1,021.37 1,005.68 992.57Wisconsin 737.18 716.83 689.77 666.79 669.99Wyoming 847.44 844.33 804.52 796.14 791.14Countrywide 1,009.38 981.77 950.92 924.45 908.43

Table 5

Average Premiums and Expenditures 2011-2015Combined Average Premium


Auto Insurance Earned and Incurred Data

General Information


2012-2014 Auto Insurance Earned and Incurred Data

Technical Notes (General) Voluntary Market Business and Residual Market Business Data Sources

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

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

North Carolina—Voluntary market and residual market data are combined in the voluntary market tables. Texas—Earned exposures and incurred claims are not available.

Calculations—Loss Results

Pure Premium=(Incurred Losses/Earned Exposures)

Loss Ratio=[(Incurred Losses/Earned Premiums) 100]

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

Severity=(Incurred Losses/Incurred Claims)

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

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

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

Countrywide Totals

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

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

available for Medical Payments and Uninsured and Underinsured Motorist (UM/UIM). Therefore, there is a total for all states except Texas and Massachusetts..

Data Reporting Basis

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

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

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

Limits

Losses are reported at total limits.

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


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

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

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

injury component Uninsured/underinsured motorist—

bodily injury componentExcept:

ISO—Bodily injury liability incurred losses are developed to 87 months. California— Incurred losses for all liability coverages are developed to 42 months.

Incurred loss data have been developed to 39 months for:

Property damage liability Medical payments Combined single limit—property

damage liability component Uninsured/underinsured motorist—

property damage component Other liability (not shown

separately)

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

Except:

California—collision and comprehensive incurred losses are developed to 27 months.

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

denoted by “n/a” (i.e. Texas frequency, severity, and pure premium).

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

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

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


2012-2014 Auto Insurance Earned and Incurred Data State-Specific Information (General)

Voluntary Market Business and Residual Market Business

California The 2014 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.

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 2012-2014.

New Jersey New Jersey is predominately urban. Results are not directly comparable to states with large rural areas.

Historically, New Jersey has paid two to four times the national average in dividends to policyholders and, at times, this has been as high as six times the national average, which would reduce the average expenditure and combined average premium for New Jersey consumers if dividends were included in premium.

North Carolina North Carolina voluntary market data contain the residual market data, including all business written by designated agents.

Texas The Texas Department of Insurance collects vehicle and policies-in-force information at the end of each calendar quarter for voluntary bodily injury liability, involuntary (residual) bodily injury liability and collision coverages. The average number of vehicles reported for policies in force is used as an approximation for written exposures.


Bodily Injury Liability


Bodily Injury Liability

All of the states require drivers operating a motor vehicle to be financially responsible for accidents up to a fixed dollar amount. Most of the states require this to be in the form of liability insurance purchased from an insurer. Insurance is the most popular means of meeting the requirements, even in those states allowing other options.

Bodily Injury Liability (BI) coverage pays damages for injury to another person(s), for which the insured driver is legally liable, through the ownership, maintenance, or use of a covered vehicle, up to the specified limits of the auto policy. The insurer also agrees to defend the insured and pay all legal defense costs. Defense costs are in addition to the policy limits.

The minimum required limits of coverage vary by state and are represented in the form ## / ## / ##, where the first number refers to the dollar limit (in thousands) of bodily injury liability coverage for each injured person, the second number refers to the total limit of BI coverage for all persons injured, and the third number refers to the property damage liability (PD) limit per accident.

For example, 10/20/5 means $10,000 of bodily injury liability coverage for each injured person, subject to a limit of $20,000 bodily injury coverage for all persons injured in an accident, $5,000 in liability coverage for property damage. In most states, a policy can be purchased that contains a single limit of coverage for both bodily injury and property damage liability.1

Auto tort insurance laws determine how liability is assigned in an accident. There are three types of auto insurance systems: 1) traditional tort; 2) no-fault; and 3) add-on.

In a traditional tort auto insurance system, an accident victim can sue the at-fault driver to recover economic or monetary damages (medical, wage loss, rehabilitation, funeral expenses, etc.) and general or “non-economic” damages (pain and suffering). Under tort systems, an insured can purchase medical

1 See Combined Single Limit Liability, Page 67.

payments coverage2 that provides compensation for their own medical and funeral benefits without regard to fault.

In a no-fault auto insurance system, losses must surpass a specified threshold before an injured person may sue for damages resulting from an accident. The threshold can be monetary—where tort restriction does not apply until damages are above a certain dollar amount—or it can be verbal—where tort restriction applies, except for injuries of the type and severity verbally stated in the law.

A few no-fault states have a choice system where the policyholder can retain unrestricted tort rights, or choose to limit his or her right to compensation for noneconomic damages in exchange for a lower liability premium.

In those states where limitations on recovery for non-economic or other damages are required, or offered as a choice, insurers will likely pay fewer BI claims at lower settlement amounts. The cost of liability coverage might be lower in these states.

Whether no-fault coverage is required or optional, a policyholder can purchase personal injury protection (PIP)3 coverage that provides the policyholder with a broader range of benefits for economic damages that cannot be recovered through a lawsuit. Depending on state law, PIP may be required or optional.4

Some of the states have laws that require auto insurers to offer PIP benefits but do not restrict the right of the policyholder to pursue a liability claim or lawsuit, as well. In these states, PIP is “added on” to the existing tort liability system, sometimes in the form of separate packages of PIP coverages similar to those sold in no-fault states, and sometimes by simply offering to add some wage replacement benefits to the medical and funeral benefits in medical payments coverage.

2 See Medical Payments, Page 111. 3 See Personal Injury Protection, Page 95. 4 See State Laws, Page 221.


Bodily Injury Liability State-Specific Information and Technical Notes


Bodily Injury Liability Data

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

Bodily Injury Liability—Required Limits

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

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

Bodily Injury—Earned Premiums

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

Bodily Injury Liability Calculations—Loss Experience Results

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

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

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

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

ISO develops BI losses to 87 months.



STATE 2014 2013 2012 2014 2013 2012Alabama 508,391,890 476,873,968 440,699,127 3,396,104 3,320,924 3,203,861Alaska 107,589,418 106,449,060 103,206,647 457,332 452,458 446,218Arizona 935,335,218 883,132,407 814,603,554 3,921,389 3,849,856 3,727,266Arkansas 281,326,956 274,075,013 266,017,428 1,780,638 1,767,107 1,747,294California 5,321,268,993 4,973,256,253 4,769,707,579 24,915,795 24,421,436 24,002,246Colorado 715,042,792 661,462,423 619,063,313 3,582,728 3,551,472 3,474,777Connecticut 686,747,434 660,839,640 642,364,350 1,898,380 1,864,939 1,848,861Delaware 179,418,745 173,395,659 166,934,153 567,164 554,318 544,995District of Columbia 58,805,050 57,722,668 56,622,899 227,135 223,061 219,702Florida 3,478,993,533 3,396,391,483 3,321,884,990 11,130,841 10,827,788 10,623,078Georgia 1,447,410,096 1,311,485,837 1,171,808,217 6,184,159 6,068,298 5,976,709Hawaii 105,129,541 104,129,264 105,182,199 788,231 770,477 757,916Idaho 154,193,184 146,827,925 141,985,193 985,648 979,456 967,743Illinois 1,315,679,642 1,287,861,690 1,268,181,942 6,566,113 6,574,556 6,523,013Indiana 672,797,881 653,196,209 641,791,693 4,297,776 4,148,146 4,021,388Iowa 261,799,680 255,985,877 252,142,184 2,262,305 2,246,042 2,215,101Kansas 245,156,254 235,664,480 226,144,727 1,971,644 1,981,898 1,962,321Kentucky 621,476,911 612,636,019 600,959,210 2,862,054 2,823,769 2,800,113Louisiana 1,008,755,541 949,294,117 886,597,882 2,623,521 2,579,955 2,547,490Maine 107,569,404 106,644,926 105,848,962 695,005 681,379 678,292Maryland 919,383,099 902,913,790 897,017,285 3,787,099 3,730,134 3,685,005Massachusetts 1,222,461,898 1,177,154,377 1,140,805,314 4,125,515 4,038,933 3,984,196Michigan 602,168,539 540,067,203 465,109,447 5,197,591 5,187,836 5,133,036Minnesota 426,873,645 415,314,333 403,562,590 3,600,968 3,586,826 3,531,518Mississippi 323,402,692 307,901,617 293,326,576 1,757,124 1,736,081 1,709,917Missouri 665,033,964 656,117,723 639,749,286 3,626,376 3,628,022 3,592,199Montana 121,598,088 119,539,976 115,548,292 694,533 685,801 666,221Nebraska 209,429,308 206,220,577 201,187,857 1,410,300 1,399,754 1,382,480Nevada 590,537,872 554,479,988 520,296,833 1,625,483 1,602,454 1,578,947New Hampshire 135,749,785 133,483,908 132,201,657 807,546 787,047 774,222New Jersey 1,097,755,358 1,067,005,338 1,029,937,086 3,944,704 3,846,287 3,776,328New Mexico 263,418,941 252,617,185 244,008,048 1,327,698 1,341,092 1,334,375New York 2,216,118,811 2,164,648,762 2,128,519,247 8,008,585 7,899,575 7,823,612North Carolina 1,137,428,592 1,168,966,661 1,211,029,191 6,788,624 6,950,013 7,098,657North Dakota 45,302,166 42,187,830 39,750,160 504,652 496,480 480,644Ohio 1,246,383,870 1,169,442,422 1,120,015,845 7,337,175 7,264,174 7,211,320Oklahoma 460,319,916 451,507,134 433,570,742 2,383,383 2,389,073 2,356,862Oregon 616,448,469 581,013,294 539,921,705 2,506,866 2,500,729 2,488,939Pennsylvania 1,238,834,550 1,231,919,283 1,223,432,725 7,739,851 7,658,088 7,663,760Rhode Island 184,568,753 179,458,287 178,571,558 535,801 529,317 529,238South Carolina 773,430,795 732,986,462 694,445,020 3,337,283 3,267,852 3,219,353South Dakota 81,739,574 77,353,104 72,800,103 626,873 618,743 601,139Tennessee 701,059,395 672,377,058 637,496,183 4,072,715 4,004,160 3,950,719Texas 3,392,467,801 3,178,551,421 2,944,596,766 n/a n/a n/aUtah 326,133,276 307,227,520 292,708,462 1,650,532 1,634,451 1,608,898Vermont 50,916,295 49,630,761 48,512,250 348,736 340,851 333,591Virginia 1,070,451,141 1,026,117,895 995,569,961 5,796,607 5,764,754 5,739,615Washington 997,632,853 953,166,988 916,295,487 3,994,825 3,956,365 3,908,005West Virginia 291,429,371 292,001,486 290,916,820 1,232,105 1,226,993 1,226,330Wisconsin 615,912,528 602,785,777 580,681,911 3,587,934 3,600,280 3,543,178Wyoming 56,685,020 54,840,632 53,867,802 421,264 419,982 416,296Countrywide 40,293,964,528 38,596,323,710 37,087,198,458 173,892,710 171,779,482 169,636,984

CW w/o TX and MA 35,679,034,829 34,240,617,912 33,001,796,378 169,767,195 167,740,549 165,652,788

Table 6A

Bodily Injury Liability 2012-2014

Earned Premiums Earned ExposuresVoluntary Business



STATE 2014 2013 2012 2014 2013 2012Alabama 418,132,362 395,363,989 371,330,649 28,698 27,676 26,030Alaska 66,408,172 68,694,483 76,429,340 3,480 4,044 4,344Arizona 722,297,908 696,329,293 678,088,883 51,112 50,418 51,063Arkansas 195,027,910 190,540,737 203,071,104 19,260 19,305 19,299California 3,301,748,867 3,290,878,113 3,259,682,142 234,975 231,610 226,639Colorado 630,002,561 582,293,191 541,374,329 30,948 29,028 28,180Connecticut 511,578,457 529,897,325 519,344,324 26,204 26,264 26,240Delaware 130,613,784 138,367,233 130,783,989 8,176 8,820 8,407District of Columbia 50,586,230 49,150,664 46,397,430 4,717 4,633 4,355Florida 2,960,194,448 2,730,488,855 2,507,856,149 149,281 136,188 133,380Georgia 1,363,748,827 1,306,778,178 1,212,444,985 101,058 96,456 92,683Hawaii 59,785,626 54,805,663 53,931,197 1,881 1,800 2,144Idaho 111,563,794 105,817,770 99,655,914 8,500 8,172 8,205Illinois 1,000,229,390 975,525,702 946,582,775 56,847 57,139 56,326Indiana 499,477,700 490,629,343 493,010,830 30,043 29,800 30,188Iowa 199,648,108 173,077,227 174,381,929 12,269 11,704 12,224Kansas 194,994,866 170,034,267 184,006,011 8,009 7,719 8,183Kentucky 474,511,033 468,904,366 476,191,033 30,479 29,269 29,439Louisiana 902,615,069 843,884,494 808,179,378 59,759 58,759 57,730Maine 77,110,998 78,762,253 71,998,058 4,422 4,461 4,397Maryland 744,093,768 735,858,880 711,135,941 67,250 66,899 65,927Massachusetts 658,632,346 642,319,319 627,943,386 52,518 52,514 51,786Michigan 437,313,569 428,062,031 402,746,040 8,310 8,434 8,127Minnesota 287,745,791 283,596,520 274,994,677 12,539 12,045 11,768Mississippi 252,489,258 240,539,028 233,422,300 17,919 17,138 16,735Missouri 471,480,220 459,201,859 463,486,679 33,851 32,668 32,785Montana 82,181,131 78,665,196 75,509,006 4,373 4,538 4,348Nebraska 163,438,430 148,554,431 139,112,979 9,581 9,079 9,248Nevada 486,320,748 471,030,963 473,932,312 27,337 27,286 26,981New Hampshire 99,992,712 94,909,318 102,136,670 5,160 5,253 5,457New Jersey 796,132,650 829,625,429 860,665,790 24,612 26,740 27,424New Mexico 199,538,770 198,464,121 187,000,870 14,446 14,983 14,823New York 1,736,343,475 1,793,460,806 1,728,173,741 50,249 54,063 54,265North Carolina 835,039,825 870,118,620 914,804,031 83,607 90,153 96,977North Dakota 25,972,824 21,649,792 25,172,831 1,054 949 925Ohio 901,268,025 845,691,969 855,975,021 78,596 78,103 78,853Oklahoma 294,530,461 304,637,992 304,165,468 24,264 24,928 25,299Oregon 463,449,399 446,858,424 463,621,703 33,005 33,363 35,429Pennsylvania 861,460,160 893,159,960 898,638,702 44,034 45,823 47,753Rhode Island 153,785,074 144,634,518 139,876,908 10,442 10,099 10,389South Carolina 665,990,428 620,372,082 576,321,657 58,585 56,928 54,963South Dakota 54,896,949 57,621,832 52,013,135 2,774 2,781 2,751Tennessee 510,048,868 490,011,693 496,088,376 31,851 31,498 31,861Texas 2,263,350,217 2,226,147,471 1,869,346,568 n/a n/a n/aUtah 249,045,435 237,332,893 240,298,444 16,028 16,154 16,847Vermont 32,941,883 36,012,403 31,679,807 1,893 2,016 1,929Virginia 829,991,280 806,061,568 796,008,832 58,874 61,874 62,470Washington 800,073,311 751,134,570 770,168,273 51,842 49,330 51,128West Virginia 172,237,040 173,414,875 181,371,742 11,543 11,606 12,525Wisconsin 513,058,493 484,384,416 479,490,431 23,576 22,734 22,619Wyoming 36,885,641 33,878,067 34,458,000 2,094 2,080 2,079Countrywide 29,950,004,291 29,187,634,192 28,264,500,769 1,732,325 1,715,324 1,713,927

CW w/o TX and MA 27,028,021,728 26,319,167,402 25,767,210,815 1,679,807 1,662,810 1,662,141

Table 6B


Incurred Losses Incurred ClaimsVoluntary Business



STATE 2014 2013 2012 2014 2013 2012Alabama 123.12 119.05 115.90 82.25 82.91 84.26Alaska 145.21 151.83 171.28 61.72 64.53 74.05Arizona 184.19 180.87 181.93 77.22 78.85 83.24Arkansas 109.53 107.83 116.22 69.32 69.52 76.34California 132.52 134.75 135.81 62.05 66.17 68.34Colorado 175.84 163.96 155.80 88.11 88.03 87.45Connecticut 269.48 284.14 280.90 74.49 80.19 80.85Delaware 230.29 249.62 239.97 72.80 79.80 78.34District of Columbia 222.71 220.35 211.18 86.02 85.15 81.94Florida 265.95 252.17 236.08 85.09 80.39 75.49Georgia 220.52 215.35 202.86 94.22 99.64 103.47Hawaii 75.85 71.13 71.16 56.87 52.63 51.27Idaho 113.19 108.04 102.98 72.35 72.07 70.19Illinois 152.33 148.38 145.11 76.02 75.75 74.64Indiana 116.22 118.28 122.60 74.24 75.11 76.82Iowa 88.25 77.06 78.72 76.26 67.61 69.16Kansas 98.90 85.79 93.77 79.54 72.15 81.37Kentucky 165.79 166.06 170.06 76.35 76.54 79.24Louisiana 344.05 327.09 317.25 89.48 88.90 91.16Maine 110.95 115.59 106.15 71.68 73.85 68.02Maryland 196.48 197.27 192.98 80.93 81.50 79.28Massachusetts 159.65 159.03 157.61 53.88 54.57 55.04Michigan 84.14 82.51 78.46 72.62 79.26 86.59Minnesota 79.91 79.07 77.87 67.41 68.28 68.14Mississippi 143.69 138.55 136.51 78.07 78.12 79.58Missouri 130.01 126.57 129.03 70.90 69.99 72.45Montana 118.33 114.71 113.34 67.58 65.81 65.35Nebraska 115.89 106.13 100.63 78.04 72.04 69.15Nevada 299.19 293.94 300.16 82.35 84.95 91.09New Hampshire 123.82 120.59 131.92 73.66 71.10 77.26New Jersey 201.82 215.70 227.91 72.52 77.75 83.56New Mexico 150.29 147.99 140.14 75.75 78.56 76.64New York 216.81 227.03 220.89 78.35 82.85 81.19North Carolina 123.01 125.20 128.87 73.41 74.43 75.54North Dakota 51.47 43.61 52.37 57.33 51.32 63.33Ohio 122.84 116.42 118.70 72.31 72.32 76.43Oklahoma 123.58 127.51 129.06 63.98 67.47 70.15Oregon 184.87 178.69 186.27 75.18 76.91 85.87Pennsylvania 111.30 116.63 117.26 69.54 72.50 73.45Rhode Island 287.02 273.25 264.30 83.32 80.60 78.33South Carolina 199.56 189.84 179.02 86.11 84.64 82.99South Dakota 87.57 93.13 86.52 67.16 74.49 71.45Tennessee 125.24 122.38 125.57 72.75 72.88 77.82Texas n/a n/a n/a 66.72 70.04 63.48Utah 150.89 145.21 149.36 76.36 77.25 82.09Vermont 94.46 105.65 94.97 64.70 72.56 65.30Virginia 143.19 139.83 138.69 77.54 78.55 79.96Washington 200.28 189.85 197.07 80.20 78.80 84.05West Virginia 139.79 141.33 147.90 59.10 59.39 62.34Wisconsin 143.00 134.54 135.33 83.30 80.36 82.57Wyoming 87.56 80.67 82.77 65.07 61.78 63.97Countrywide 172.23 169.91 166.62 74.33 75.62 76.21

CW w/o TX and MA 159.21 156.90 155.55 75.75 76.87 78.08

Table 6C


Pure Premium Loss RatioVoluntary Business



STATE 2014 2013 2012 2014 2013 2012Alabama 0.85 0.83 0.81 14,570.09 14,285.45 14,265.49Alaska 0.76 0.89 0.97 19,082.81 16,986.77 17,594.23Arizona 1.30 1.31 1.37 14,131.67 13,811.12 13,279.46Arkansas 1.08 1.09 1.10 10,126.06 9,870.02 10,522.36California 0.94 0.95 0.94 14,051.49 14,208.70 14,382.71Colorado 0.86 0.82 0.81 20,356.81 20,059.71 19,211.30Connecticut 1.38 1.41 1.42 19,522.91 20,175.80 19,792.09Delaware 1.44 1.59 1.54 15,975.27 15,687.89 15,556.56District of Columbia 2.08 2.08 1.98 10,724.24 10,608.82 10,653.83Florida 1.34 1.26 1.26 19,829.68 20,049.41 18,802.34Georgia 1.63 1.59 1.55 13,494.71 13,547.92 13,081.63Hawaii 0.24 0.23 0.28 31,783.96 30,447.59 25,154.48Idaho 0.86 0.83 0.85 13,125.15 12,948.82 12,145.75Illinois 0.87 0.87 0.86 17,595.11 17,072.85 16,805.43Indiana 0.70 0.72 0.75 16,625.43 16,464.07 16,331.35Iowa 0.54 0.52 0.55 16,272.57 14,787.87 14,265.54Kansas 0.41 0.39 0.42 24,346.97 22,028.02 22,486.38Kentucky 1.06 1.04 1.05 15,568.46 16,020.51 16,175.52Louisiana 2.28 2.28 2.27 15,104.25 14,361.79 13,999.30Maine 0.64 0.65 0.65 17,438.04 17,655.74 16,374.36Maryland 1.78 1.79 1.79 11,064.59 10,999.55 10,786.72Massachusetts 1.27 1.30 1.30 12,541.08 12,231.39 12,125.74Michigan 0.16 0.16 0.16 52,624.98 50,754.33 49,556.54Minnesota 0.35 0.34 0.33 22,948.07 23,544.75 23,368.00Mississippi 1.02 0.99 0.98 14,090.59 14,035.42 13,948.15Missouri 0.93 0.90 0.91 13,928.10 14,056.63 14,137.16Montana 0.63 0.66 0.65 18,792.85 17,334.77 17,366.38Nebraska 0.68 0.65 0.67 17,058.60 16,362.42 15,042.49Nevada 1.68 1.70 1.71 17,789.84 17,262.73 17,565.41New Hampshire 0.64 0.67 0.70 19,378.43 18,067.64 18,716.63New Jersey 0.62 0.70 0.73 32,347.34 31,025.63 31,383.67New Mexico 1.09 1.12 1.11 13,812.74 13,245.95 12,615.59New York 0.63 0.68 0.69 34,554.79 33,173.53 31,846.93North Carolina 1.23 1.30 1.37 9,987.68 9,651.58 9,433.21North Dakota 0.21 0.19 0.19 24,642.15 22,813.27 27,213.87Ohio 1.07 1.08 1.09 11,467.10 10,827.91 10,855.33Oklahoma 1.02 1.04 1.07 12,138.58 12,220.72 12,022.83Oregon 1.32 1.33 1.42 14,041.79 13,393.83 13,085.94Pennsylvania 0.57 0.60 0.62 19,563.52 19,491.52 18,818.48Rhode Island 1.95 1.91 1.96 14,727.55 14,321.67 13,463.94South Carolina 1.76 1.74 1.71 11,367.93 10,897.49 10,485.63South Dakota 0.44 0.45 0.46 19,789.82 20,719.82 18,906.99Tennessee 0.78 0.79 0.81 16,013.59 15,556.91 15,570.40Texas n/a n/a n/a n/a n/a n/aUtah 0.97 0.99 1.05 15,538.15 14,691.90 14,263.57Vermont 0.54 0.59 0.58 17,401.95 17,863.30 16,422.92Virginia 1.02 1.07 1.09 14,097.76 13,027.47 12,742.26Washington 1.30 1.25 1.31 15,432.92 15,226.73 15,063.53West Virginia 0.94 0.95 1.02 14,921.34 14,941.83 14,480.78Wisconsin 0.66 0.63 0.64 21,761.90 21,306.61 21,198.57Wyoming 0.50 0.50 0.50 17,614.92 16,287.53 16,574.31Countrywide 1.00 1.00 1.01 17,288.91 17,015.81 16,491.08

CW w/o TX and MA 0.99 0.99 1.00 16,089.96 15,828.13 15,502.42

Table 6D


Frequency SeverityVoluntary Business



STATE 2014 2013 2012 2014 2013 2012Alabama 2,303 940 439 2 1 0Alaska 6,678 4,392 7,039 7 5 8Arizona 0 0 250 0 0 1Arkansas 1,865 1,714 921 2 2 2California 285,347 369,947 404,207 376 567 622Colorado -85 0 0 0 0 0Connecticut 121,234 149,499 144,437 137 182 179Delaware 221 394 1,706 0 0 2District of Columbia 99,650 123,272 128,242 115 139 145Florida 230,273 346,112 284,591 273 428 381Georgia 0 0 0 0 0 0Hawaii 1,315,376 1,211,842 1,381,821 1,393 1,375 1,671Idaho 992 46 2,520 2 0 7Illinois 134,394 175,493 227,016 356 514 670Indiana 2,716 2,773 809 5 5 2Iowa 4,891 4,156 3,667 9 12 15Kansas 412,651 389,356 422,122 1,784 1,671 1,748Kentucky 179,013 121,010 27,128 302 199 39Louisiana 3,446 1,135 180 2 1 0Maine 3,673 4,496 6,187 8 10 15Maryland 21,113,894 21,622,482 23,662,003 40,869 41,497 45,164Massachusetts 40,196,596 49,135,273 53,250,200 69,457 91,288 103,624Michigan 1,617,553 1,387,093 218,242 5,457 5,349 732Minnesota 505 7,141 4,399 4 18 10Mississippi 7,038 7,782 13,056 10 13 18Missouri 688 4,445 7,657 1 12 20Montana 4,507 10,508 26,251 11 23 72Nebraska 129 1,202 663 0 1 1Nevada 29 606 1,059 0 2 2New Hampshire 31,204 30,334 30,574 42 40 48New Jersey 6,083,764 9,400,012 13,216,996 5,487 9,312 13,935New Mexico 413 868 770 1 1 1New York 21,321,256 25,905,183 33,349,725 44,981 52,959 70,684North Carolina 0 0 0 0 0 0North Dakota 1,139 1,464 917 5 2 1Ohio 0 0 0 0 0 0Oklahoma 5,922 8,546 6,406 10 16 15Oregon 464 109 1,427 1 1 2Pennsylvania 1,719,517 1,705,163 1,945,438 6,948 6,994 8,121Rhode Island 8,941,786 7,642,662 6,345,897 12,401 10,846 9,118South Carolina 2,370 297 0 1 0 0South Dakota 697 0 0 0 0 0Tennessee 3,319 7,351 7,611 6 9 12Texas 924,437 1,134,647 1,271,484 n/a n/a n/aUtah 3,214 3,498 518 4 5 1Vermont 19,891 29,348 48,757 38 53 87Virginia 257,941 299,912 366,832 448 527 660Washington 717 0 0 0 0 0West Virginia 5,993 11,102 11,931 6 12 11Wisconsin 2,666 389 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 105,072,287 121,263,994 136,832,095 190,961 224,091 257,846

CW w/o TX and MA 63,951,254 70,994,074 82,310,411 121,504 132,803 154,222

Table 7A


Earned Premiums Earned ExposuresResidual Business



STATE 2014 2013 2012 2014 2013 2012Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California 189,975 315,515 248,037 15 33 21Colorado 0 0 0 0 0 0Connecticut 66,481 128,841 66,065 7 12 3Delaware 0 0 0 0 0 0District of Columbia 179,403 65,585 170,229 15 6 20Florida 454,365 437,897 444,566 27 58 42Georgia 0 0 0 0 0 0Hawaii 401,269 346,529 506,155 72 61 81Idaho 0 0 0 0 0 0Illinois 59,186 63,688 296,611 8 9 21Indiana 0 0 0 0 0 0Iowa 6,543 0 0 1 0 0Kansas 412,937 211,024 598,533 18 14 18Kentucky 846,514 51,244 11,697 41 3 1Louisiana 0 0 0 0 0 0Maine 14,251 58,755 0 4 3 0Maryland 21,355,621 20,128,386 22,094,401 2,741 2,697 3,047Massachusetts 32,370,664 39,204,995 48,529,015 3,056 4,154 4,873Michigan 234,187 774,409 84,060 16 24 6Minnesota 0 0 29,933 0 0 1Mississippi 0 0 0 0 0 0Missouri 0 0 15,716 0 0 1Montana 0 0 3,469 0 0 1Nebraska 0 10,328 0 0 2 0Nevada 0 0 0 0 0 0New Hampshire 0 0 0 0 0 0New Jersey 2,791,062 6,329,483 5,789,247 163 314 321New Mexico 0 0 0 0 0 0New York 22,141,027 32,570,318 37,448,487 1,137 1,452 1,944North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 54,423 0 932 1 0 1Oregon 0 0 0 0 0 0Pennsylvania 1,735,749 1,787,099 1,678,766 115 140 121Rhode Island 8,682,781 8,314,600 6,700,814 728 754 632South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 1,938 0 0 1Texas 770,974 1,104,027 1,309,514 n/a n/a n/aUtah 0 0 0 0 0 0Vermont 36,810 0 0 2 0 0Virginia 69,793 672,418 223,183 6 25 23Washington 0 0 0 0 0 0West Virginia 7,644 121,002 39,823 1 1 3Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 92,881,659 112,696,143 126,291,191 8,174 9,762 11,182

CW w/o TX and MA 59,740,021 72,387,121 76,452,662 5,118 5,608 6,309

Table 7B


Incurred Losses Incurred ClaimsResidual Business



STATE 2014 2013 2012 2014 2013 2012Alabama 0.00 0.00 - 0.00 0.00 0.00Alaska 0.00 0.00 0.00 0.00 0.00 0.00Arizona - - 0.00 - - 0.00Arkansas 0.00 0.00 0.00 0.00 0.00 0.00California 505.25 556.46 398.77 66.58 85.29 61.36Colorado - - - 0.00 - -Connecticut 485.26 707.92 369.08 54.84 86.18 45.74Delaware - - 0.00 0.00 0.00 0.00District of Columbia 1,560.03 471.83 1,173.99 180.03 53.20 132.74Florida 1,664.34 1,023.12 1,166.84 197.32 126.52 156.21Georgia - - - - - -Hawaii 288.06 252.02 302.91 30.51 28.60 36.63Idaho 0.00 - 0.00 0.00 0.00 0.00Illinois 166.25 123.91 442.70 44.04 36.29 130.66Indiana 0.00 0.00 0.00 0.00 0.00 0.00Iowa 727.00 0.00 0.00 133.78 0.00 0.00Kansas 231.47 126.29 342.41 100.07 54.20 141.79Kentucky 2,803.03 257.51 299.92 472.88 42.35 43.12Louisiana 0.00 0.00 - 0.00 0.00 0.00Maine 1,781.38 5,875.50 0.00 387.99 1,306.83 0.00Maryland 522.54 485.06 489.20 101.14 93.09 93.38Massachusetts 466.05 429.46 468.32 80.53 79.79 91.13Michigan 42.91 144.78 114.84 14.48 55.83 38.52Minnesota 0.00 0.00 2,993.30 0.00 0.00 680.45Mississippi 0.00 0.00 0.00 0.00 0.00 0.00Missouri 0.00 0.00 785.80 0.00 0.00 205.25Montana 0.00 0.00 48.18 0.00 0.00 13.21Nebraska - 10,328.00 0.00 0.00 859.23 0.00Nevada - 0.00 0.00 0.00 0.00 0.00New Hampshire 0.00 0.00 0.00 0.00 0.00 0.00New Jersey 508.67 679.71 415.45 45.88 67.33 43.80New Mexico 0.00 0.00 0.00 0.00 0.00 0.00New York 492.23 615.01 529.80 103.84 125.73 112.29North Carolina - - - - - -North Dakota 0.00 0.00 0.00 0.00 0.00 0.00Ohio - - - - - -Oklahoma 5,442.30 0.00 62.13 919.00 0.00 14.55Oregon 0.00 0.00 0.00 0.00 0.00 0.00Pennsylvania 249.82 255.52 206.72 100.94 104.81 86.29Rhode Island 700.17 766.61 734.90 97.10 108.79 105.59South Carolina 0.00 - - 0.00 0.00 -South Dakota - - - 0.00 - -Tennessee 0.00 0.00 161.50 0.00 0.00 25.46Texas n/a n/a n/a 83.40 97.30 102.99Utah 0.00 0.00 0.00 0.00 0.00 0.00Vermont 968.68 0.00 0.00 185.06 0.00 0.00Virginia 155.79 1,275.94 338.16 27.06 224.21 60.84Washington - - - 0.00 - -West Virginia 1,274.00 10,083.50 3,620.27 127.55 1,089.91 333.78Wisconsin - - - 0.00 0.00 -Wyoming - - - - - -Countrywide 486.39 502.90 489.79 88.40 92.93 92.30

CW w/o TX and MA 491.67 545.07 495.73 93.41 101.96 92.88

Table 7C


Pure Premium Loss RatioResidual Business



STATE 2014 2013 2012 2014 2013 2012Alabama 0.00 0.00 - - - -Alaska 0.00 0.00 0.00 - - -Arizona - - 0.00 - - -Arkansas 0.00 0.00 0.00 - - -California 3.99 5.82 3.38 12,665.00 9,561.06 11,811.29Colorado - - - - - -Connecticut 5.11 6.59 1.68 9,497.29 10,736.75 22,021.67Delaware - - 0.00 - - -District of Columbia 13.04 4.32 13.79 11,960.20 10,930.83 8,511.45Florida 9.89 13.55 11.02 16,828.33 7,549.95 10,584.90Georgia - - - - - -Hawaii 5.17 4.44 4.85 5,573.18 5,680.80 6,248.83Idaho 0.00 - 0.00 - - -Illinois 2.25 1.75 3.13 7,398.25 7,076.44 14,124.33Indiana 0.00 0.00 0.00 - - -Iowa 11.11 0.00 0.00 6,543.00 - -Kansas 1.01 0.84 1.03 22,940.94 15,073.14 33,251.83Kentucky 13.58 1.51 2.56 20,646.68 17,081.33 11,697.00Louisiana 0.00 0.00 - - - -Maine 50.00 30.00 0.00 3,562.75 19,585.00 -Maryland 6.71 6.50 6.75 7,791.18 7,463.25 7,251.20Massachusetts 4.40 4.55 4.70 10,592.49 9,437.89 9,958.76Michigan 0.29 0.45 0.82 14,636.69 32,267.04 14,010.00Minnesota 0.00 0.00 10.00 - - 29,933.00Mississippi 0.00 0.00 0.00 - - -Missouri 0.00 0.00 5.00 - - 15,716.00Montana 0.00 0.00 1.39 - - 3,469.00Nebraska - 200.00 0.00 - 5,164.00 -Nevada - 0.00 0.00 - - -New Hampshire 0.00 0.00 0.00 - - -New Jersey 2.97 3.37 2.30 17,123.08 20,157.59 18,035.04New Mexico 0.00 0.00 0.00 - - -New York 2.53 2.74 2.75 19,473.20 22,431.35 19,263.63North Carolina - - - - - -North Dakota 0.00 0.00 0.00 - - -Ohio - - - - - -Oklahoma 10.00 0.00 6.67 54,423.00 - 932.00Oregon 0.00 0.00 0.00 - - -Pennsylvania 1.66 2.00 1.49 15,093.47 12,764.99 13,874.10Rhode Island 5.87 6.95 6.93 11,926.90 11,027.32 10,602.55South Carolina 0.00 - - - - -South Dakota - - - - - -Tennessee 0.00 0.00 8.33 - - 1,938.00Texas n/a n/a n/a n/a n/a n/aUtah 0.00 0.00 0.00 - - -Vermont 5.26 0.00 0.00 18,405.00 - -Virginia 1.34 4.74 3.48 11,632.17 26,896.72 9,703.61Washington - - - - - -West Virginia 16.67 8.33 27.27 7,644.00 121,002.00 13,274.33Wisconsin - - - - - -Wyoming - - - - - -Countrywide 4.28 4.36 4.34 11,363.06 11,544.37 11,294.15

CW w/o TX and MA 4.21 4.22 4.09 11,672.53 12,907.83 12,118.03

Table 7D


Frequency SeverityResidual Business



STATE 2014 2013 2012 2014 2013 2012Alabama 508,394,193 476,874,908 440,699,566 3,396,106 3,320,925 3,203,861Alaska 107,596,096 106,453,452 103,213,686 457,339 452,463 446,226Arizona 935,335,218 883,132,407 814,603,804 3,921,389 3,849,856 3,727,267Arkansas 281,328,821 274,076,727 266,018,349 1,780,640 1,767,109 1,747,296California 5,321,554,340 4,973,626,200 4,770,111,786 24,916,171 24,422,003 24,002,868Colorado 715,042,707 661,462,423 619,063,313 3,582,728 3,551,472 3,474,777Connecticut 686,868,668 660,989,139 642,508,787 1,898,517 1,865,121 1,849,040Delaware 179,418,966 173,396,053 166,935,859 567,164 554,318 544,997District of Columbia 58,904,700 57,845,940 56,751,141 227,250 223,200 219,847Florida 3,479,223,806 3,396,737,595 3,322,169,581 11,131,114 10,828,216 10,623,459Georgia 1,447,410,096 1,311,485,837 1,171,808,217 6,184,159 6,068,298 5,976,709Hawaii 106,444,917 105,341,106 106,564,020 789,624 771,852 759,587Idaho 154,194,176 146,827,971 141,987,713 985,650 979,456 967,750Illinois 1,315,814,036 1,288,037,183 1,268,408,958 6,566,469 6,575,070 6,523,683Indiana 672,800,597 653,198,982 641,792,502 4,297,781 4,148,151 4,021,390Iowa 261,804,571 255,990,033 252,145,851 2,262,314 2,246,054 2,215,116Kansas 245,568,905 236,053,836 226,566,849 1,973,428 1,983,569 1,964,069Kentucky 621,655,924 612,757,029 600,986,338 2,862,356 2,823,968 2,800,152Louisiana 1,008,758,987 949,295,252 886,598,062 2,623,523 2,579,956 2,547,490Maine 107,573,077 106,649,422 105,855,149 695,013 681,389 678,307Maryland 940,496,993 924,536,272 920,679,288 3,827,968 3,771,631 3,730,169Massachusetts 1,262,658,494 1,226,289,650 1,194,055,514 4,194,972 4,130,221 4,087,820Michigan 603,786,092 541,454,296 465,327,689 5,203,048 5,193,185 5,133,768Minnesota 426,874,150 415,321,474 403,566,989 3,600,972 3,586,844 3,531,528Mississippi 323,409,730 307,909,399 293,339,632 1,757,134 1,736,094 1,709,935Missouri 665,034,652 656,122,168 639,756,943 3,626,377 3,628,034 3,592,219Montana 121,602,595 119,550,484 115,574,543 694,544 685,824 666,293Nebraska 209,429,437 206,221,779 201,188,520 1,410,300 1,399,755 1,382,481Nevada 590,537,901 554,480,594 520,297,892 1,625,483 1,602,456 1,578,949New Hampshire 135,780,989 133,514,242 132,232,231 807,588 787,087 774,270New Jersey 1,103,839,122 1,076,405,350 1,043,154,082 3,950,191 3,855,599 3,790,263New Mexico 263,419,354 252,618,053 244,008,818 1,327,699 1,341,093 1,334,376New York 2,237,440,067 2,190,553,945 2,161,868,972 8,053,566 7,952,534 7,894,296North Carolina 1,137,428,592 1,168,966,661 1,211,029,191 6,788,624 6,950,013 7,098,657North Dakota 45,303,305 42,189,294 39,751,077 504,657 496,482 480,645Ohio 1,246,383,870 1,169,442,422 1,120,015,845 7,337,175 7,264,174 7,211,320Oklahoma 460,325,838 451,515,680 433,577,148 2,383,393 2,389,089 2,356,877Oregon 616,448,933 581,013,403 539,923,132 2,506,867 2,500,730 2,488,941Pennsylvania 1,240,554,067 1,233,624,446 1,225,378,163 7,746,799 7,665,082 7,671,881Rhode Island 193,510,539 187,100,949 184,917,455 548,202 540,163 538,356South Carolina 773,433,165 732,986,759 694,445,020 3,337,284 3,267,852 3,219,353South Dakota 81,740,271 77,353,104 72,800,103 626,873 618,743 601,139Tennessee 701,062,714 672,384,409 637,503,794 4,072,721 4,004,169 3,950,731Texas 3,393,392,238 3,179,686,068 2,945,868,250 n/a n/a n/aUtah 326,136,490 307,231,018 292,708,980 1,650,536 1,634,456 1,608,899Vermont 50,936,186 49,660,109 48,561,007 348,774 340,904 333,678Virginia 1,070,709,082 1,026,417,807 995,936,793 5,797,055 5,765,281 5,740,275Washington 997,633,570 953,166,988 916,295,487 3,994,825 3,956,365 3,908,005West Virginia 291,435,364 292,012,588 290,928,751 1,232,111 1,227,005 1,226,341Wisconsin 615,915,194 602,786,166 580,681,911 3,587,934 3,600,280 3,543,178Wyoming 56,685,020 54,840,632 53,867,802 421,264 419,982 416,296Countrywide 40,399,036,815 38,717,587,704 37,224,030,553 174,083,671 172,003,573 169,894,830

CW w/o TX and MA 35,742,986,083 34,311,611,986 33,084,106,789 169,888,699 167,873,352 165,807,010

Table 8A


Earned Premiums Earned ExposuresTotal Business



STATE 2014 2013 2012 2014 2013 2012Alabama 418,132,362 395,363,989 371,330,649 28,698 27,676 26,030Alaska 66,408,172 68,694,483 76,429,340 3,480 4,044 4,344Arizona 722,297,908 696,329,293 678,088,883 51,112 50,418 51,063Arkansas 195,027,910 190,540,737 203,071,104 19,260 19,305 19,299California 3,301,938,842 3,291,193,628 3,259,930,179 234,990 231,643 226,660Colorado 630,002,561 582,293,191 541,374,329 30,948 29,028 28,180Connecticut 511,644,938 530,026,166 519,410,389 26,211 26,276 26,243Delaware 130,613,784 138,367,233 130,783,989 8,176 8,820 8,407District of Columbia 50,765,633 49,216,249 46,567,659 4,732 4,639 4,375Florida 2,960,648,813 2,730,926,752 2,508,300,715 149,308 136,246 133,422Georgia 1,363,748,827 1,306,778,178 1,212,444,985 101,058 96,456 92,683Hawaii 60,186,895 55,152,192 54,437,352 1,953 1,861 2,225Idaho 111,563,794 105,817,770 99,655,914 8,500 8,172 8,205Illinois 1,000,288,576 975,589,390 946,879,386 56,855 57,148 56,347Indiana 499,477,700 490,629,343 493,010,830 30,043 29,800 30,188Iowa 199,654,651 173,077,227 174,381,929 12,270 11,704 12,224Kansas 195,407,803 170,245,291 184,604,544 8,027 7,733 8,201Kentucky 475,357,547 468,955,610 476,202,730 30,520 29,272 29,440Louisiana 902,615,069 843,884,494 808,179,378 59,759 58,759 57,730Maine 77,125,249 78,821,008 71,998,058 4,426 4,464 4,397Maryland 765,449,389 755,987,266 733,230,342 69,991 69,596 68,974Massachusetts 691,003,010 681,524,314 676,472,401 55,574 56,668 56,659Michigan 437,547,756 428,836,440 402,830,100 8,326 8,458 8,133Minnesota 287,745,791 283,596,520 275,024,610 12,539 12,045 11,769Mississippi 252,489,258 240,539,028 233,422,300 17,919 17,138 16,735Missouri 471,480,220 459,201,859 463,502,395 33,851 32,668 32,786Montana 82,181,131 78,665,196 75,512,475 4,373 4,538 4,349Nebraska 163,438,430 148,564,759 139,112,979 9,581 9,081 9,248Nevada 486,320,748 471,030,963 473,932,312 27,337 27,286 26,981New Hampshire 99,992,712 94,909,318 102,136,670 5,160 5,253 5,457New Jersey 798,923,712 835,954,912 866,455,037 24,775 27,054 27,745New Mexico 199,538,770 198,464,121 187,000,870 14,446 14,983 14,823New York 1,758,484,502 1,826,031,124 1,765,622,228 51,386 55,515 56,209North Carolina 835,039,825 870,118,620 914,804,031 83,607 90,153 96,977North Dakota 25,972,824 21,649,792 25,172,831 1,054 949 925Ohio 901,268,025 845,691,969 855,975,021 78,596 78,103 78,853Oklahoma 294,584,884 304,637,992 304,166,400 24,265 24,928 25,300Oregon 463,449,399 446,858,424 463,621,703 33,005 33,363 35,429Pennsylvania 863,195,909 894,947,059 900,317,468 44,149 45,963 47,874Rhode Island 162,467,855 152,949,118 146,577,722 11,170 10,853 11,021South Carolina 665,990,428 620,372,082 576,321,657 58,585 56,928 54,963South Dakota 54,896,949 57,621,832 52,013,135 2,774 2,781 2,751Tennessee 510,048,868 490,011,693 496,090,314 31,851 31,498 31,862Texas 2,264,121,191 2,227,251,498 1,870,656,082 n/a n/a n/aUtah 249,045,435 237,332,893 240,298,444 16,028 16,154 16,847Vermont 32,978,693 36,012,403 31,679,807 1,895 2,016 1,929Virginia 830,061,073 806,733,986 796,232,015 58,880 61,899 62,493Washington 800,073,311 751,134,570 770,168,273 51,842 49,330 51,128West Virginia 172,244,684 173,535,877 181,411,565 11,544 11,607 12,528Wisconsin 513,058,493 484,384,416 479,490,431 23,576 22,734 22,619Wyoming 36,885,641 33,878,067 34,458,000 2,094 2,080 2,079Countrywide 30,042,885,950 29,300,330,335 28,390,791,960 1,740,499 1,725,086 1,725,109

CW w/o TX and MA 27,087,761,749 26,391,554,523 25,843,663,477 1,684,925 1,668,418 1,668,450

Table 8B


Incurred Losses Incurred ClaimsTotal Business




CW w/o TX and MA 159.44 157.21 155.87 75.78 76.92 78.12

Table 8C


Pure Premiums Loss RatioTotal Business




CW w/o TX and MA 0.99 0.99 1.01 16,076.54 15,818.31 15,489.62

Table 8D


Frequency SeverityTotal Business


Property Damage Liability


Property Damage Liability

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

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

Property Damage Liability State-Specific Information and Technical Notes

Voluntary Market Business and Residual Market Business Property Damage Liability Data

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

Property Damage Liability—Required Limits

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

Property Damage Liability—Calculations-Loss Experience Results

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

Property Damage—Loss Development

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



STATE 2014 2013 2012 2014 2013 2012Alabama 483,479,122 457,405,206 425,602,065 3,396,233 3,321,104 3,204,141Alaska 78,352,570 76,611,758 73,623,335 457,330 452,450 446,211Arizona 669,566,395 637,646,460 597,615,116 3,921,837 3,850,438 3,728,108Arkansas 269,503,836 261,759,802 251,579,017 1,779,961 1,766,416 1,746,440California 4,669,213,350 4,293,775,329 4,037,244,917 24,917,060 24,422,092 24,006,727Colorado 580,357,387 555,571,786 524,458,309 3,582,696 3,551,641 3,474,949Connecticut 379,048,411 369,621,302 354,242,719 1,898,540 1,865,098 1,848,915Delaware 102,634,202 95,244,519 89,209,674 567,326 554,580 545,238District of Columbia 50,035,070 48,743,133 47,757,073 227,147 223,067 219,708Florida 2,018,119,192 1,871,827,021 1,784,179,663 11,832,191 11,458,197 11,192,138Georgia 1,134,008,978 1,040,299,354 967,555,521 6,184,845 6,068,599 5,977,020Hawaii 114,374,690 111,365,791 107,781,240 788,526 770,801 758,097Idaho 113,608,614 109,141,642 104,001,773 985,710 979,506 967,779Illinois 998,045,085 975,028,746 955,446,316 6,564,160 6,573,859 6,522,441Indiana 547,767,938 523,863,182 513,714,060 4,299,320 4,149,543 4,022,795Iowa 262,635,953 253,796,823 248,232,730 2,253,413 2,238,159 2,208,457Kansas 280,405,100 271,263,680 259,644,570 1,971,874 1,981,893 1,962,193Kentucky 400,362,484 391,550,794 375,905,061 2,861,574 2,823,588 2,800,034Louisiana 586,551,017 549,127,252 530,862,960 2,623,570 2,580,152 2,547,553Maine 87,113,502 84,045,241 81,588,256 695,045 681,421 678,339Maryland 726,061,131 699,818,052 685,964,055 3,786,275 3,729,718 3,684,766Massachusetts 971,688,574 931,112,801 893,111,128 4,136,580 4,063,119 4,000,061Michigan 109,942,619 102,947,327 91,874,383 5,197,584 5,187,829 5,133,032Minnesota 459,455,628 428,745,513 402,637,653 3,600,713 3,586,421 3,531,071Mississippi 235,001,740 224,386,424 217,064,522 1,757,427 1,736,280 1,710,082Missouri 566,724,207 556,042,833 537,682,097 3,626,934 3,628,297 3,592,096Montana 83,075,927 78,757,144 74,039,160 694,553 685,909 666,304Nebraska 190,897,780 183,565,720 175,681,125 1,410,155 1,399,491 1,382,166Nevada 284,212,427 270,882,764 263,260,558 1,625,551 1,602,560 1,579,098New Hampshire 109,371,731 104,135,185 100,037,463 808,012 787,195 774,231New Jersey 789,730,208 749,611,558 704,454,758 3,949,695 3,851,188 3,779,184New Mexico 190,834,664 185,316,681 177,453,274 1,327,893 1,341,208 1,334,521New York 1,748,838,863 1,676,754,088 1,576,430,444 8,008,561 7,896,577 7,819,328North Carolina 847,858,566 871,206,708 900,771,025 6,788,622 6,950,011 7,098,657North Dakota 58,477,438 55,415,285 51,155,353 504,694 496,488 480,648Ohio 1,052,746,681 999,422,628 952,016,786 7,336,222 7,263,136 7,210,349Oklahoma 414,058,645 392,819,932 369,324,229 2,383,368 2,389,072 2,356,835Oregon 376,921,189 354,477,304 336,381,750 2,507,017 2,501,040 2,489,170Pennsylvania 1,281,039,867 1,237,532,173 1,196,801,922 7,732,007 7,654,025 7,662,095Rhode Island 125,514,869 119,752,471 115,632,256 536,154 530,162 530,158South Carolina 533,660,645 505,570,171 483,695,382 3,338,289 3,269,375 3,220,804South Dakota 64,732,177 62,675,959 58,431,846 625,448 617,410 599,942Tennessee 593,606,412 564,629,289 538,944,678 4,071,745 4,003,183 3,949,721Texas 3,639,871,403 3,386,991,844 3,115,833,327 n/a n/a n/aUtah 274,804,418 263,470,278 256,954,933 1,650,775 1,634,615 1,608,995Vermont 44,265,566 43,019,759 40,491,751 348,716 340,859 333,590Virginia 889,613,084 863,242,189 830,175,611 5,795,650 5,764,290 5,737,746Washington 595,945,438 572,988,777 556,244,071 3,995,342 3,956,886 3,908,378West Virginia 171,255,507 167,497,284 164,262,230 1,232,182 1,226,836 1,226,187Wisconsin 386,524,418 376,025,719 358,620,179 3,584,926 3,597,415 3,540,646Wyoming 52,102,844 50,127,025 48,288,858 421,319 420,000 416,283Countrywide 31,694,017,562 30,056,629,706 28,603,961,182 174,590,767 172,423,199 170,213,427

CW w/o Texas 28,054,146,159 26,669,637,862 25,488,127,855 174,590,767 172,423,199 170,213,427

Table 9A

Property Damage Liability 2012-2014




STATE 2014 2013 2012 2014 2013 2012Alabama 396,665,581 369,719,046 340,486,802 105,633 103,720 99,260Alaska 59,902,749 63,605,231 65,577,632 15,071 17,145 17,806Arizona 530,028,092 504,749,001 468,699,325 156,185 152,485 147,818Arkansas 224,924,703 209,549,363 194,833,231 62,161 60,981 60,136California 3,434,098,969 3,252,648,869 3,070,888,764 1,038,805 1,014,909 973,636Colorado 486,400,844 445,314,765 391,686,174 141,709 136,532 127,240Connecticut 308,908,563 304,908,414 288,088,293 87,911 89,209 88,514Delaware 82,443,350 82,363,153 76,125,078 24,467 24,487 23,366District of Columbia 41,701,294 37,767,541 35,883,763 15,583 14,929 14,430Florida 1,701,891,577 1,513,611,392 1,399,980,195 527,786 498,637 482,768Georgia 935,305,693 883,543,783 809,373,283 270,469 264,736 255,694Hawaii 97,065,591 91,631,303 85,605,304 31,367 30,387 29,178Idaho 93,319,179 86,008,150 77,237,468 30,915 30,286 28,684Illinois 868,458,070 820,084,305 767,141,807 268,897 263,563 255,852Indiana 463,322,835 424,535,031 407,594,282 141,803 134,513 133,743Iowa 216,656,632 202,012,803 184,829,983 63,375 64,789 63,424Kansas 212,816,687 203,969,155 194,262,689 61,941 63,208 65,134Kentucky 321,467,595 299,018,045 300,401,197 101,601 100,506 102,420Louisiana 470,415,589 448,681,994 427,718,994 120,566 120,384 119,740Maine 73,555,850 69,040,994 64,518,050 24,174 23,708 22,322Maryland 625,065,598 591,568,358 566,038,343 200,833 196,031 193,500Massachusetts 672,248,720 635,077,535 587,818,827 226,173 223,941 214,974Michigan 48,672,156 48,096,871 42,406,005 21,478 23,185 21,379Minnesota 393,284,759 362,582,467 312,616,690 124,956 120,593 110,559Mississippi 194,116,142 181,124,308 171,059,757 52,287 52,277 51,272Missouri 429,711,062 411,481,032 390,917,952 136,581 135,677 136,147Montana 66,732,690 60,301,014 53,200,214 19,641 18,660 17,788Nebraska 155,013,741 144,408,818 132,106,694 43,700 44,673 45,088Nevada 222,171,652 206,332,636 195,083,535 68,247 65,282 64,673New Hampshire 96,432,993 91,641,570 84,968,915 31,274 30,974 29,894New Jersey 659,750,787 628,234,026 583,854,342 178,846 176,969 171,689New Mexico 148,146,752 143,062,680 133,078,816 44,669 44,799 44,739New York 1,415,579,060 1,385,240,136 1,293,787,827 393,189 396,666 382,514North Carolina 770,068,355 754,512,839 745,487,896 242,046 248,178 259,151North Dakota 48,701,892 49,911,313 41,546,775 14,778 15,551 13,839Ohio 854,085,463 785,193,009 762,888,464 274,081 269,475 272,344Oklahoma 320,124,423 307,346,896 283,956,971 91,849 91,561 91,150Oregon 298,099,942 277,055,394 264,189,326 98,099 94,726 95,118Pennsylvania 1,051,738,128 1,037,935,769 984,296,794 323,154 328,761 322,935Rhode Island 115,483,493 103,452,345 100,640,188 30,389 29,332 29,446South Carolina 439,623,407 412,956,809 381,652,873 132,018 129,840 124,667South Dakota 51,174,191 49,111,701 42,637,539 15,292 15,735 14,874Tennessee 459,669,580 437,262,048 424,713,524 124,782 123,718 124,264Texas 2,523,508,703 2,246,639,233 1,968,124,540 n/a n/a n/aUtah 212,822,485 211,291,299 188,774,753 64,795 68,669 65,031Vermont 35,031,392 33,329,508 30,344,225 11,701 11,495 11,070Virginia 706,306,040 678,974,590 668,706,526 230,977 231,610 237,700Washington 513,864,508 469,484,060 451,666,607 160,535 152,877 152,627West Virginia 130,901,250 125,459,935 126,417,977 39,463 39,721 41,010Wisconsin 332,010,022 313,057,103 281,569,605 102,720 102,352 95,273Wyoming 42,981,480 39,681,154 35,601,999 11,554 11,550 10,762Countrywide 25,052,470,309 23,534,568,794 21,981,086,813 6,800,526 6,703,992 6,556,642

CW w/o Texas 22,528,961,606 21,287,929,561 20,012,962,273 6,800,526 6,703,992 6,556,642

Table 9B






CW w/o Texas 129.04 123.46 117.58 80.31 79.82 78.52

Table 9C






CW w/o Texas 3.90 3.89 3.85 3,312.83 3,175.41 3,052.32

Table 9D





STATE 2014 2013 2012 2014 2013 2012Alabama 2,873 1,118 508 2 1 0Alaska 4,702 2,534 4,420 7 5 8Arizona 0 0 355 0 0 1Arkansas 1,619 1,701 901 2 2 2California 186,010 219,901 233,263 376 567 624Colorado -49 0 0 0 0 0Connecticut 71,838 74,218 63,276 137 181 178Delaware 159 167 749 0 0 2District of Columbia 82,843 102,987 106,892 115 139 145Florida 346,481 837,330 801,646 747 1,778 1,673Georgia 0 0 0 0 0 0Hawaii 32,199 65,054 110,572 136 302 525Idaho 976 48 2,513 2 0 7Illinois 158,305 200,038 229,384 356 514 670Indiana 3,384 3,436 1,043 5 5 2Iowa 5,968 5,613 4,750 9 12 15Kansas 448,100 412,800 439,160 1,782 1,670 1,749Kentucky 115,407 75,861 14,362 302 199 39Louisiana 2,884 974 82 2 1 0Maine 3,947 4,568 6,641 8 10 15Maryland 20,789,018 21,391,357 23,697,471 40,869 41,497 45,164Massachusetts 36,929,601 46,186,356 50,958,189 69,479 92,172 105,631Michigan 326,262 357,180 54,935 5,460 5,351 733Minnesota 563 10,033 5,519 4 18 10Mississippi 6,921 7,813 13,884 10 13 18Missouri 322 3,453 5,840 1 12 20Montana 4,381 9,684 24,086 11 23 72Nebraska 148 1,048 692 0 1 1Nevada 23 332 535 0 2 2New Hampshire 9,077 9,260 9,716 42 40 48New Jersey 7,100,073 10,379,675 12,659,603 13,161 20,677 30,372New Mexico 411 774 572 1 1 1New York 20,043,619 24,140,189 30,806,564 44,969 52,945 70,656North Carolina 0 0 0 0 0 0North Dakota 2,456 2,541 1,568 5 2 1Ohio 0 0 0 0 0 0Oklahoma 5,722 8,000 5,803 10 16 15Oregon 166 68 873 1 1 2Pennsylvania 1,145,672 1,164,072 1,355,673 6,947 6,990 8,117Rhode Island 4,141,177 3,586,489 2,972,160 12,394 10,843 9,125South Carolina 1,031 189 0 1 0 0South Dakota 429 0 0 0 0 0Tennessee 3,733 6,662 7,289 6 9 12Texas 878,752 1,092,872 1,330,085 n/a n/a n/aUtah 1,563 1,498 272 4 5 1Vermont 23,953 25,768 38,480 38 53 87Virginia 263,954 304,593 369,692 448 527 660Washington 300 0 0 0 0 0West Virginia 4,483 7,778 6,168 6 12 11Wisconsin 1,543 251 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 93,152,999 110,706,283 126,346,186 197,855 236,596 276,414

CW w/o Texas 92,274,247 109,613,411 125,016,101 197,855 236,596 276,414

Table 10A





STATE 2014 2013 2012 2014 2013 2012Alabama 0 3,531 0 0 1 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 7,609 0 0 2 0California 120,395 191,740 190,272 42 77 74Colorado 0 0 0 0 0 0Connecticut 63,563 83,808 53,774 14 21 13Delaware 0 0 0 0 0 0District of Columbia 91,782 44,501 85,920 30 22 30Florida 621,241 889,706 774,558 169 229 241Georgia 0 0 0 0 0 0Hawaii 37,392 81,034 95,957 11 15 25Idaho 0 0 0 0 0 0Illinois 99,696 142,319 224,932 21 37 66Indiana 0 0 0 0 0 0Iowa 3,114 0 0 2 0 0Kansas 428,812 463,893 384,655 102 125 119Kentucky 154,586 30,279 1,169 39 10 1Louisiana 0 1,640 0 0 1 0Maine 26,407 3,548 0 8 3 0Maryland 21,688,245 19,972,814 20,462,691 5,467 5,246 5,688Massachusetts 31,170,283 37,384,657 41,327,870 9,752 12,501 14,216Michigan 15,874 23,184 5,147 15 11 6Minnesota 0 0 7,714 0 0 2Mississippi 675 0 0 1 0 0Missouri 0 0 3,767 0 0 1Montana 3,067 5,810 12,774 2 2 4Nebraska 0 13,829 26,005 0 4 2Nevada 0 0 0 0 0 0New Hampshire 1,051 1,988 29,582 1 1 11New Jersey 4,558,531 7,114,551 9,094,163 1,321 2,055 2,778New Mexico 0 0 0 0 0 0New York 20,182,699 23,773,848 29,505,126 4,850 6,058 7,722North Carolina 0 0 0 0 0 0North Dakota 2,983 0 0 3 0 0Ohio 0 0 0 0 0 0Oklahoma 5,469 0 9,734 1 0 2Oregon 0 0 0 0 0 0Pennsylvania 1,332,105 1,360,806 1,497,256 479 481 545Rhode Island 5,591,629 4,119,961 3,328,175 1,201 1,036 835South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 2,177 0 0 1 0Texas 861,477 1,218,370 1,290,799 n/a n/a n/aUtah 0 0 0 0 0 0Vermont 18,820 6,001 22,536 4 4 7Virginia 145,301 279,738 229,037 39 69 71Washington 0 0 0 0 0 0West Virginia 0 2,603 11,359 0 1 2Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 87,225,197 97,223,945 108,674,972 23,574 28,013 32,461

CW w/o Texas 86,363,720 96,005,575 107,384,173 23,574 28,013 32,461

Table 10B





STATE 2014 2013 2012 2014 2013 2012Alabama 0.00 3,531.00 - 0.00 315.83 0.00Alaska 0.00 0.00 0.00 0.00 0.00 0.00Arizona - - 0.00 - - 0.00Arkansas 0.00 3,804.50 0.00 0.00 447.33 0.00California 320.20 338.17 304.92 64.73 87.19 81.57Colorado - - - 0.00 - -Connecticut 463.96 463.03 302.10 88.48 112.92 84.98Delaware - - 0.00 0.00 0.00 0.00District of Columbia 798.10 320.15 592.55 110.79 43.21 80.38Florida 831.65 500.40 462.98 179.30 106.26 96.62Georgia - - - - - -Hawaii 274.94 268.32 182.78 116.13 124.56 86.78Idaho 0.00 - 0.00 0.00 0.00 0.00Illinois 280.04 276.89 335.72 62.98 71.15 98.06Indiana 0.00 0.00 0.00 0.00 0.00 0.00Iowa 346.00 0.00 0.00 52.18 0.00 0.00Kansas 240.64 277.78 219.93 95.70 112.38 87.59Kentucky 511.87 152.16 29.97 133.95 39.91 8.14Louisiana 0.00 1,640.00 - 0.00 168.38 0.00Maine 3,300.88 354.80 0.00 669.04 77.67 0.00Maryland 530.68 481.31 453.08 104.33 93.37 86.35Massachusetts 448.63 405.60 391.25 84.40 80.94 81.10Michigan 2.91 4.33 7.02 4.87 6.49 9.37Minnesota 0.00 0.00 771.40 0.00 0.00 139.77Mississippi 67.50 0.00 0.00 9.75 0.00 0.00Missouri 0.00 0.00 188.35 0.00 0.00 64.50Montana 278.82 252.61 177.42 70.01 60.00 53.03Nebraska - 13,829.00 26,005.00 0.00 1,319.56 3,757.95Nevada - 0.00 0.00 0.00 0.00 0.00New Hampshire 25.02 49.70 616.29 11.58 21.47 304.47New Jersey 346.37 344.08 299.43 64.20 68.54 71.84New Mexico 0.00 0.00 0.00 0.00 0.00 0.00New York 448.81 449.03 417.59 100.69 98.48 95.78North Carolina - - - - - -North Dakota 596.60 0.00 0.00 121.46 0.00 0.00Ohio - - - - - -Oklahoma 546.90 0.00 648.93 95.58 0.00 167.74Oregon 0.00 0.00 0.00 0.00 0.00 0.00Pennsylvania 191.75 194.68 184.46 116.27 116.90 110.44Rhode Island 451.16 379.97 364.73 135.03 114.87 111.98South Carolina 0.00 - - 0.00 0.00 -South Dakota - - - 0.00 - -Tennessee 0.00 241.89 0.00 0.00 32.68 0.00Texas n/a n/a n/a 98.03 111.48 97.05Utah 0.00 0.00 0.00 0.00 0.00 0.00Vermont 495.26 113.23 259.03 78.57 23.29 58.57Virginia 324.33 530.81 347.03 55.05 91.84 61.95Washington - - - 0.00 - -West Virginia 0.00 216.92 1,032.64 0.00 33.47 184.16Wisconsin - - - 0.00 0.00 -Wyoming - - - - - -Countrywide 440.85 410.93 393.16 93.64 87.82 86.01

CW w/o Texas 436.50 405.78 388.49 93.59 87.59 85.90

Table 10C





STATE 2014 2013 2012 2014 2013 2012Alabama 0.00 100.00 - - 3,531.00 -Alaska 0.00 0.00 0.00 - - -Arizona - - 0.00 - - -Arkansas 0.00 100.00 0.00 - 3,804.50 -California 11.17 13.58 11.86 2,866.55 2,490.13 2,571.24Colorado - - - - - -Connecticut 10.22 11.60 7.30 4,540.21 3,990.86 4,136.46Delaware - - 0.00 - - -District of Columbia 26.09 15.83 20.69 3,059.40 2,022.77 2,864.00Florida 22.62 12.88 14.41 3,675.98 3,885.18 3,213.93Georgia - - - - - -Hawaii 8.09 4.97 4.76 3,399.27 5,402.27 3,838.28Idaho 0.00 - 0.00 - - -Illinois 5.90 7.20 9.85 4,747.43 3,846.46 3,408.06Indiana 0.00 0.00 0.00 - - -Iowa 22.22 0.00 0.00 1,557.00 - -Kansas 5.72 7.49 6.80 4,204.04 3,711.14 3,232.39Kentucky 12.91 5.03 2.56 3,963.74 3,027.90 1,169.00Louisiana 0.00 100.00 - - 1,640.00 -Maine 100.00 30.00 0.00 3,300.88 1,182.67 -Maryland 13.38 12.64 12.59 3,967.12 3,807.25 3,597.52Massachusetts 14.04 13.56 13.46 3,196.30 2,990.53 2,907.14Michigan 0.27 0.21 0.82 1,058.27 2,107.64 857.83Minnesota 0.00 0.00 20.00 - - 3,857.00Mississippi 10.00 0.00 0.00 675.00 - -Missouri 0.00 0.00 5.00 - - 3,767.00Montana 18.18 8.70 5.56 1,533.50 2,905.00 3,193.50Nebraska - 400.00 200.00 - 3,457.25 13,002.50Nevada - 0.00 0.00 - - -New Hampshire 2.38 2.50 22.92 1,051.00 1,988.00 2,689.27New Jersey 10.04 9.94 9.15 3,450.82 3,462.07 3,273.64New Mexico 0.00 0.00 0.00 - - -New York 10.79 11.44 10.93 4,161.38 3,924.37 3,820.92North Carolina - - - - - -North Dakota 60.00 0.00 0.00 994.33 - -Ohio - - - - - -Oklahoma 10.00 0.00 13.33 5,469.00 - 4,867.00Oregon 0.00 0.00 0.00 - - -Pennsylvania 6.90 6.88 6.71 2,781.01 2,829.12 2,747.26Rhode Island 9.69 9.55 9.15 4,655.81 3,976.80 3,985.84South Carolina 0.00 - - - - -South Dakota - - - - - -Tennessee 0.00 11.11 0.00 - 2,177.00 -Texas n/a n/a n/a n/a n/a n/aUtah 0.00 0.00 0.00 - - -Vermont 10.53 7.55 8.05 4,705.00 1,500.25 3,219.43Virginia 8.71 13.09 10.76 3,725.67 4,054.17 3,225.87Washington - - - - - -West Virginia 0.00 8.33 18.18 - 2,603.00 5,679.50Wisconsin - - - - - -Wyoming - - - - - -Countrywide 11.91 11.84 11.74 3,700.06 3,470.67 3,347.86

CW w/o Texas 11.91 11.84 11.74 3,663.52 3,427.18 3,308.10

Table 10D





STATE 2014 2013 2012 2014 2013 2012Alabama 483,481,995 457,406,324 425,602,573 3,396,235 3,321,105 3,204,141Alaska 78,357,272 76,614,292 73,627,755 457,337 452,455 446,219Arizona 669,566,395 637,646,460 597,615,471 3,921,837 3,850,438 3,728,109Arkansas 269,505,455 261,761,503 251,579,918 1,779,963 1,766,418 1,746,442California 4,669,399,360 4,293,995,230 4,037,478,180 24,917,436 24,422,659 24,007,351Colorado 580,357,338 555,571,786 524,458,309 3,582,696 3,551,641 3,474,949Connecticut 379,120,249 369,695,520 354,305,995 1,898,677 1,865,279 1,849,093Delaware 102,634,361 95,244,686 89,210,423 567,326 554,580 545,240District of Columbia 50,117,913 48,846,120 47,863,965 227,262 223,206 219,853Florida 2,018,465,673 1,872,664,351 1,784,981,309 11,832,938 11,459,975 11,193,811Georgia 1,134,008,978 1,040,299,354 967,555,521 6,184,845 6,068,599 5,977,020Hawaii 114,406,889 111,430,845 107,891,812 788,662 771,103 758,622Idaho 113,609,590 109,141,690 104,004,286 985,712 979,506 967,786Illinois 998,203,390 975,228,784 955,675,700 6,564,516 6,574,373 6,523,111Indiana 547,771,322 523,866,618 513,715,103 4,299,325 4,149,548 4,022,797Iowa 262,641,921 253,802,436 248,237,480 2,253,422 2,238,171 2,208,472Kansas 280,853,200 271,676,480 260,083,730 1,973,656 1,983,563 1,963,942Kentucky 400,477,891 391,626,655 375,919,423 2,861,876 2,823,787 2,800,073Louisiana 586,553,901 549,128,226 530,863,042 2,623,572 2,580,153 2,547,553Maine 87,117,449 84,049,809 81,594,897 695,053 681,431 678,354Maryland 746,850,149 721,209,409 709,661,526 3,827,144 3,771,215 3,729,930Massachusetts 1,008,618,175 977,299,157 944,069,317 4,206,059 4,155,291 4,105,692Michigan 110,268,881 103,304,507 91,929,318 5,203,044 5,193,180 5,133,765Minnesota 459,456,191 428,755,546 402,643,172 3,600,717 3,586,439 3,531,081Mississippi 235,008,661 224,394,237 217,078,406 1,757,437 1,736,293 1,710,100Missouri 566,724,529 556,046,286 537,687,937 3,626,935 3,628,309 3,592,116Montana 83,080,308 78,766,828 74,063,246 694,564 685,932 666,376Nebraska 190,897,928 183,566,768 175,681,817 1,410,155 1,399,492 1,382,167Nevada 284,212,450 270,883,096 263,261,093 1,625,551 1,602,562 1,579,100New Hampshire 109,380,808 104,144,445 100,047,179 808,054 787,235 774,279New Jersey 796,830,281 759,991,233 717,114,361 3,962,856 3,871,865 3,809,556New Mexico 190,835,075 185,317,455 177,453,846 1,327,894 1,341,209 1,334,522New York 1,768,882,482 1,700,894,277 1,607,237,008 8,053,530 7,949,522 7,889,984North Carolina 847,858,566 871,206,708 900,771,025 6,788,622 6,950,011 7,098,657North Dakota 58,479,894 55,417,826 51,156,921 504,699 496,490 480,649Ohio 1,052,746,681 999,422,628 952,016,786 7,336,222 7,263,136 7,210,349Oklahoma 414,064,367 392,827,932 369,330,032 2,383,378 2,389,088 2,356,850Oregon 376,921,355 354,477,372 336,382,623 2,507,018 2,501,041 2,489,172Pennsylvania 1,282,185,539 1,238,696,245 1,198,157,595 7,738,954 7,661,015 7,670,212Rhode Island 129,656,046 123,338,960 118,604,416 548,548 541,005 539,283South Carolina 533,661,676 505,570,360 483,695,382 3,338,290 3,269,375 3,220,804South Dakota 64,732,606 62,675,959 58,431,846 625,448 617,410 599,942Tennessee 593,610,145 564,635,951 538,951,967 4,071,751 4,003,192 3,949,733Texas 3,640,750,155 3,388,084,716 3,117,163,412 n/a n/a n/aUtah 274,805,981 263,471,776 256,955,205 1,650,779 1,634,620 1,608,996Vermont 44,289,519 43,045,527 40,530,231 348,754 340,912 333,677Virginia 889,877,038 863,546,782 830,545,303 5,796,098 5,764,817 5,738,406Washington 595,945,738 572,988,777 556,244,071 3,995,342 3,956,886 3,908,378West Virginia 171,259,990 167,505,062 164,268,398 1,232,188 1,226,848 1,226,198Wisconsin 386,525,961 376,025,970 358,620,179 3,584,926 3,597,415 3,540,646Wyoming 52,102,844 50,127,025 48,288,858 421,319 420,000 416,283Countrywide 31,787,170,561 30,167,335,989 28,730,307,368 174,788,622 172,659,795 170,489,841

CW w/o Texas 28,146,420,406 26,779,251,273 25,613,143,956 174,788,622 172,659,795 170,489,841

Table 11A





STATE 2014 2013 2012 2014 2013 2012Alabama 396,665,581 369,722,577 340,486,802 105,633 103,721 99,260Alaska 59,902,749 63,605,231 65,577,632 15,071 17,145 17,806Arizona 530,028,092 504,749,001 468,699,325 156,185 152,485 147,818Arkansas 224,924,703 209,556,972 194,833,231 62,161 60,983 60,136California 3,434,219,364 3,252,840,609 3,071,079,036 1,038,847 1,014,986 973,710Colorado 486,400,844 445,314,765 391,686,174 141,709 136,532 127,240Connecticut 308,972,126 304,992,222 288,142,067 87,925 89,230 88,527Delaware 82,443,350 82,363,153 76,125,078 24,467 24,487 23,366District of Columbia 41,793,076 37,812,042 35,969,683 15,613 14,951 14,460Florida 1,702,512,818 1,514,501,098 1,400,754,753 527,955 498,866 483,009Georgia 935,305,693 883,543,783 809,373,283 270,469 264,736 255,694Hawaii 97,102,983 91,712,337 85,701,261 31,378 30,402 29,203Idaho 93,319,179 86,008,150 77,237,468 30,915 30,286 28,684Illinois 868,557,766 820,226,624 767,366,739 268,918 263,600 255,918Indiana 463,322,835 424,535,031 407,594,282 141,803 134,513 133,743Iowa 216,659,746 202,012,803 184,829,983 63,377 64,789 63,424Kansas 213,245,499 204,433,048 194,647,344 62,043 63,333 65,253Kentucky 321,622,181 299,048,324 300,402,366 101,640 100,516 102,421Louisiana 470,415,589 448,683,634 427,718,994 120,566 120,385 119,740Maine 73,582,257 69,044,542 64,518,050 24,182 23,711 22,322Maryland 646,753,843 611,541,172 586,501,034 206,300 201,277 199,188Massachusetts 703,419,003 672,462,192 629,146,697 235,925 236,442 229,190Michigan 48,688,030 48,120,055 42,411,152 21,493 23,196 21,385Minnesota 393,284,759 362,582,467 312,624,404 124,956 120,593 110,561Mississippi 194,116,817 181,124,308 171,059,757 52,288 52,277 51,272Missouri 429,711,062 411,481,032 390,921,719 136,581 135,677 136,148Montana 66,735,757 60,306,824 53,212,988 19,643 18,662 17,792Nebraska 155,013,741 144,422,647 132,132,699 43,700 44,677 45,090Nevada 222,171,652 206,332,636 195,083,535 68,247 65,282 64,673New Hampshire 96,434,044 91,643,558 84,998,497 31,275 30,975 29,905New Jersey 664,309,318 635,348,577 592,948,505 180,167 179,024 174,467New Mexico 148,146,752 143,062,680 133,078,816 44,669 44,799 44,739New York 1,435,761,759 1,409,013,984 1,323,292,953 398,039 402,724 390,236North Carolina 770,068,355 754,512,839 745,487,896 242,046 248,178 259,151North Dakota 48,704,875 49,911,313 41,546,775 14,781 15,551 13,839Ohio 854,085,463 785,193,009 762,888,464 274,081 269,475 272,344Oklahoma 320,129,892 307,346,896 283,966,705 91,850 91,561 91,152Oregon 298,099,942 277,055,394 264,189,326 98,099 94,726 95,118Pennsylvania 1,053,070,233 1,039,296,575 985,794,050 323,633 329,242 323,480Rhode Island 121,075,122 107,572,306 103,968,363 31,590 30,368 30,281South Carolina 439,623,407 412,956,809 381,652,873 132,018 129,840 124,667South Dakota 51,174,191 49,111,701 42,637,539 15,292 15,735 14,874Tennessee 459,669,580 437,264,225 424,713,524 124,782 123,719 124,264Texas 2,524,370,180 2,247,857,603 1,969,415,339 n/a n/a n/aUtah 212,822,485 211,291,299 188,774,753 64,795 68,669 65,031Vermont 35,050,212 33,335,509 30,366,761 11,705 11,499 11,077Virginia 706,451,341 679,254,328 668,935,563 231,016 231,679 237,771Washington 513,864,508 469,484,060 451,666,607 160,535 152,877 152,627West Virginia 130,901,250 125,462,538 126,429,336 39,463 39,722 41,012Wisconsin 332,010,022 313,057,103 281,569,605 102,720 102,352 95,273Wyoming 42,981,480 39,681,154 35,601,999 11,554 11,550 10,762Countrywide 25,139,695,506 23,631,792,739 22,089,761,785 6,824,100 6,732,005 6,589,103

CW w/o Texas 22,615,325,326 21,383,935,136 20,120,346,446 6,824,100 6,732,005 6,589,103

Table 11B






CW w/o Texas 129.39 123.85 118.01 80.35 79.85 78.55

Table 11C


Pure Premium Loss RatioTotal Business




CW w/o Texas 3.90 3.90 3.86 3,314.04 3,176.46 3,053.58

Table 11D




Combined Single Limits Liability


`

BI/PD Combined Single Limits Liability

The limits of coverage for bodily injury (BI) liability and property damage (PD) liability can be offered on a single limit basis. In a combined single limit

liability policy, the selected coverage limit applies to damages resulting from a single accident for bodily injury, property damage, or both.

BI/PD Combined Single Limits Liability State-Specific Information and Technical Notes

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 liability1 or for property damage liability.2

BI/PD Combined Single Limit Liability Required Limits

Tennessee—The minimum limit for BI/PD combined single limit liability coverage is $60,000.

BI/PD Combined Single Limit Earned Premiums and Exposures

In Tables 12A–12D-2, the earned premium amount and the earned exposure number reported for BI/PD combined single limit liability represent both the bodily injury (CSL-BI) and property damage (CSL-PD) components. Except:

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

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

BI/PD Combined Single Limit Incurred Losses and Incurred Claims

The BI/PD combined single limit incurred claims and incurred losses are reported for the CSL-BI component and the CSL-PD component separately.

Except: Texas—Incurred claims data are not available, as indicated by “n/a.” Because the results for frequency and severity are calculated using incurred claims, there is no data in these columns for Texas.

BI/PD Combined Single Limit Loss Development

Incurred losses for the bodily injury component are developed to 63 months.

Except: California—BI/PD incurred losses are developed to 42 months. ISO develops BI losses to 87 months. Incurred losses for the property damage component are developed to 39 months.

Calculations—Loss Experience

Incurred losses for each component were added together to calculate the BI/PD combined single limit pure premium and loss ratio. CSL-BI and CSL-PD claims could not be combined, so the BI/PD combined single limit frequency and severity are not shown.


However, pure premium, loss ratio, frequency, and severity were calculated for the CSL-BI and CSL-PD components individually.

BI/PD combined single limit pure premium=

(CSL-BI incurred losses + CSL-PD incurred losses)/(BI/PD CSL earned exposures)

BI/PD combined single limit loss ratio=

(CSL-BI incurred losses + CSL-PD incurred losses)/(BI/PD CSL earned premium)

CSL-BI pure premium=(CSL-BI incurred losses)/

(BI/PD combined single limit earned exposures) CSL-BI loss ratio=(CSL-BI incurred losses)/

(BI/PD combined single limit earned premium)

CSL-BI frequency=(CSL-BI-incurred claims)/ (BI/PD combined single limit earned exposures)

CSL-BI severity=(CSL-BI incurred losses)/

(CSL-BI incurred claims) CSL-PD pure premium=(CSL-PD incurred losses)

/(BI/PD combined single limit earned exposures) CSL-PD loss ratio=(CSL-PD incurred losses)/

(BI/PD combined single limit earned premium) CSL-PD frequency=(CSL-PD incurred claims)/

(BI/PD combined single limit earned exposures) CSL-PD severity=(CSL-PD incurred losses)/

(CSL-PD incurred claims)



STATE 2014 2013 2012 2014 2013 2012Alabama 26,076,162 24,280,366 23,305,856 73,331 73,871 71,786Alaska 705,274 736,574 765,577 1,475 1,653 1,788Arizona 64,121,400 58,734,453 51,855,620 147,983 143,213 130,313Arkansas 63,697,381 62,653,046 63,163,678 230,227 229,577 227,613California 142,184,488 138,079,520 137,527,455 283,809 290,268 299,485Colorado 58,296,791 54,463,118 50,446,870 161,367 158,699 151,502Connecticut 199,330,193 202,593,930 200,626,811 389,956 409,254 414,592Delaware 31,363,236 29,987,163 28,775,324 61,970 61,368 59,971District of Columbia 6,810,102 6,631,368 6,414,664 12,681 12,617 12,536Florida 182,205,827 182,470,493 174,415,887 261,959 283,899 298,874Georgia 140,590,797 130,188,426 120,792,281 302,289 318,762 327,613Hawaii 11,782,861 11,264,327 10,804,399 36,483 37,026 37,172Idaho 14,719,443 14,393,771 13,632,870 55,348 55,368 53,588Illinois 99,023,589 95,477,469 90,369,789 260,504 261,181 254,352Indiana 57,616,867 55,789,891 54,610,447 213,998 205,114 206,431Iowa 25,610,274 25,966,474 26,061,826 122,279 122,985 123,691Kansas 40,589,818 39,585,468 38,775,532 180,085 178,934 177,433Kentucky 75,006,220 72,014,131 67,471,802 202,589 202,968 198,572Louisiana 87,481,226 80,855,912 75,048,518 125,007 121,166 116,480Maine 40,990,737 40,032,562 40,201,542 176,482 173,511 175,111Maryland 89,459,315 85,755,382 79,729,093 191,147 195,520 194,420Massachusetts 0 0 0 0 0 0Michigan 47,000,482 44,127,468 39,614,687 323,011 312,102 300,035Minnesota 48,757,278 47,181,852 45,163,040 180,013 176,997 169,872Mississippi 31,596,967 29,474,141 25,768,618 91,865 90,186 81,865Missouri 106,329,011 104,085,096 101,687,250 376,269 378,906 378,166Montana 9,750,467 10,588,119 11,084,664 29,773 32,902 35,412Nebraska 15,841,100 15,539,556 14,539,724 61,111 61,512 58,990Nevada 47,126,159 39,461,004 30,316,667 77,396 72,581 61,254New Hampshire 26,514,702 25,311,053 24,920,859 77,774 75,519 75,458New Jersey 682,545,669 663,845,664 632,653,484 1,352,238 1,371,522 1,380,939New Mexico 13,851,090 13,041,990 11,839,715 36,677 36,197 33,726New York 514,657,212 511,425,075 502,721,372 1,142,879 1,187,483 1,214,963North Carolina 59,820 56,067 19,011 232 241 86North Dakota 4,924,755 4,928,384 4,843,770 38,166 36,819 34,582Ohio 147,905,575 148,985,950 151,519,611 518,782 535,723 550,714Oklahoma 74,860,442 67,005,760 62,771,838 222,245 210,309 201,642Oregon 43,861,273 40,476,428 36,768,035 113,316 111,835 108,448Pennsylvania 207,441,819 209,778,640 206,658,248 573,996 596,030 601,447Rhode Island 56,707,664 57,072,093 55,720,635 101,808 106,062 105,436South Carolina 47,269,379 44,855,559 41,644,036 119,377 119,657 119,432South Dakota 2,618,736 2,320,522 2,138,625 12,040 11,071 10,730Tennessee 88,366,841 85,731,953 79,743,985 267,414 269,679 263,132Texas 0 0 0 n/a n/a n/aUtah 22,861,802 21,206,827 19,629,819 64,526 63,041 59,724Vermont 14,512,610 13,889,552 13,622,665 60,996 56,829 57,486Virginia 76,077,827 73,676,623 69,820,549 225,303 227,349 223,564Washington 72,732,882 69,333,280 68,739,197 188,547 189,067 190,306West Virginia 16,169,183 16,649,362 17,059,951 40,705 42,494 43,940Wisconsin 69,905,388 67,275,982 64,521,675 236,446 232,947 226,154Wyoming 1,030,716 1,026,559 957,637 4,150 4,145 3,656Countrywide 3,948,938,850 3,840,304,403 3,691,285,208 10,028,024 10,146,159 10,124,482

CW w/o Texas 3,948,938,850 3,840,304,403 3,691,285,208 10,028,024 10,146,159 10,124,482

Table 12A

BI/PD Combined Single Limits Liability 2012-2014




STATE 2014 2013 2012 2014 2013 2012Alabama 11,066,891 13,157,142 8,951,448 619 619 605Alaska 131,519 193,331 448,862 8 15 22Arizona 29,208,681 29,818,855 30,158,138 1,650 1,668 1,458Arkansas 27,452,900 22,913,022 25,247,146 1,465 1,741 1,608California 50,715,189 67,334,641 54,763,701 1,786 1,897 1,940Colorado 30,696,390 25,016,426 24,113,447 1,045 1,112 1,052Connecticut 83,311,105 105,179,358 110,857,940 3,444 3,740 3,946Delaware 10,900,129 12,521,915 12,897,979 899 958 937District of Columbia 1,805,101 1,872,328 3,409,377 205 211 224Florida 73,694,489 87,514,513 95,785,149 3,319 3,644 3,889Georgia 65,353,525 75,261,394 77,771,129 5,011 5,682 5,499Hawaii 2,690,550 4,096,980 2,570,374 129 199 160Idaho 8,456,058 7,154,097 8,697,064 663 647 695Illinois 37,563,065 47,170,731 53,628,983 2,126 2,082 2,231Indiana 34,036,589 28,657,033 26,609,568 1,858 1,903 1,711Iowa 15,933,839 12,345,920 11,308,093 624 610 696Kansas 23,503,240 15,596,267 17,023,020 510 548 618Kentucky 36,509,601 35,737,902 31,506,252 2,259 2,306 2,147Louisiana 42,464,971 42,682,229 40,135,955 2,305 2,360 2,204Maine 16,131,187 16,773,466 15,286,174 707 687 658Maryland 33,843,049 34,008,934 34,334,063 3,079 3,305 2,751Massachusetts 0 0 0 0 0 0Michigan 29,794,491 28,820,737 36,477,422 506 491 505Minnesota 17,334,864 17,585,818 16,506,580 522 587 595Mississippi 16,702,768 13,362,146 12,233,005 832 786 686Missouri 53,187,541 43,267,431 54,213,262 2,133 2,418 2,380Montana 4,500,180 4,912,771 5,117,324 133 246 285Nebraska 11,293,935 8,931,691 9,470,688 414 463 404Nevada 21,139,544 25,098,898 22,701,290 1,228 1,221 892New Hampshire 8,171,715 10,576,945 9,911,755 381 460 435New Jersey 207,778,754 253,481,521 288,550,557 6,350 6,371 6,102New Mexico 5,208,183 5,384,732 7,894,460 315 339 390New York 168,134,884 223,679,681 240,167,544 5,452 6,571 7,085North Carolina 5,779 0 0 2 0 0North Dakota 2,696,968 1,779,080 2,057,115 41 58 56Ohio 55,714,204 64,794,647 64,779,641 4,066 4,180 4,788Oklahoma 31,562,027 26,963,064 25,982,439 1,730 1,824 1,693Oregon 24,439,570 24,241,686 17,359,726 2,019 2,035 1,793Pennsylvania 65,142,284 75,003,757 78,353,009 2,506 2,769 2,857Rhode Island 24,065,347 23,306,500 27,184,567 1,295 1,410 1,351South Carolina 20,664,194 17,253,096 19,207,179 1,628 1,615 1,596South Dakota 1,711,721 902,403 1,225,968 28 53 41Tennessee 36,022,683 33,664,531 37,105,451 1,957 2,093 2,268Texas 0 0 0 n/a n/a n/aUtah 12,614,386 11,927,809 10,920,997 747 824 549Vermont 5,571,241 5,688,892 5,028,646 367 311 202Virginia 23,062,403 28,061,848 31,873,154 1,828 1,936 1,796Washington 45,495,906 38,568,821 41,360,788 3,166 3,324 3,424West Virginia 4,979,050 5,194,886 7,130,354 341 326 402Wisconsin 41,239,018 36,423,229 35,210,158 1,353 1,297 1,236Wyoming 1,113,604 330,688 355,028 32 27 11Countrywide 1,574,815,312 1,714,213,792 1,793,881,969 75,083 79,969 78,873

CW w/o Texas 1,574,815,312 1,714,213,792 1,793,881,969 75,083 79,969 78,873

Table 12B-1


Incurred Losses - Bodily Injury Incurred Claims - Bodily InjuryVoluntary Business



STATE 2014 2013 2012 2014 2013 2012Alabama 8,740,095 8,475,864 7,974,107 2,241 2,221 2,169Alaska 150,813 207,963 418,002 38 45 67Arizona 18,370,629 17,775,357 15,599,154 4,943 4,971 4,534Arkansas 24,254,350 24,211,795 22,386,018 6,314 6,621 6,134California 37,198,236 37,347,755 36,824,525 10,219 10,726 11,013Colorado 18,465,377 17,935,160 15,763,561 5,206 5,231 4,781Connecticut 51,936,399 55,670,968 54,655,815 14,488 15,724 15,837Delaware 7,976,071 7,844,639 7,813,139 2,349 2,296 2,212District of Columbia 1,831,140 1,716,877 2,105,011 696 660 771Florida 32,151,005 34,534,038 35,550,527 9,668 10,639 11,217Georgia 44,926,313 46,464,645 45,914,238 12,895 13,922 13,936Hawaii 4,069,944 4,291,099 3,808,634 1,386 1,468 1,400Idaho 4,033,286 3,568,766 3,317,787 1,254 1,225 1,155Illinois 32,567,158 33,044,672 30,145,427 9,868 9,853 9,524Indiana 18,073,457 16,819,795 16,536,850 5,231 5,138 5,372Iowa 12,973,039 11,762,774 11,901,025 3,721 3,937 4,080Kansas 15,903,179 15,705,004 14,822,037 3,817 4,387 4,680Kentucky 21,830,782 21,373,784 20,776,071 6,423 6,591 6,412Louisiana 19,482,260 18,473,968 16,904,552 5,003 4,934 4,574Maine 13,583,792 13,531,790 12,469,780 4,542 4,601 4,281Maryland 28,752,387 29,266,190 26,575,529 9,125 9,246 8,833Massachusetts 0 0 0 0 0 0Michigan 5,820,463 5,575,772 4,269,552 2,457 2,277 1,887Minnesota 19,597,919 18,434,868 16,116,627 5,850 6,015 5,485Mississippi 9,314,379 9,026,225 8,071,242 2,515 2,510 2,279Missouri 34,655,807 34,950,134 32,389,409 10,829 11,411 10,918Montana 2,306,833 2,340,076 2,497,824 694 660 731Nebraska 7,200,289 7,658,889 6,826,661 2,134 2,285 2,104Nevada 9,525,288 8,793,482 6,913,495 2,764 2,612 2,061New Hampshire 8,569,817 8,187,615 7,613,333 2,788 2,784 2,621New Jersey 180,921,581 188,797,868 184,991,657 46,541 48,817 48,423New Mexico 3,845,635 4,135,669 3,567,976 992 1,042 1,056New York 142,061,301 149,872,568 150,526,006 39,115 41,852 42,815North Carolina 39,579 0 0 15 0 0North Dakota 2,415,681 2,203,025 2,353,176 675 694 623Ohio 46,267,084 45,898,347 47,865,544 14,847 15,412 16,323Oklahoma 28,032,056 25,439,786 22,840,403 7,415 7,047 6,531Oregon 10,596,081 9,700,637 9,363,055 3,593 3,399 3,223Pennsylvania 71,408,441 73,202,929 70,497,688 20,519 21,467 21,481Rhode Island 16,842,562 16,650,787 16,244,259 4,310 4,493 4,350South Carolina 12,972,686 11,970,240 11,769,961 3,930 3,945 3,946South Dakota 805,543 708,940 498,558 217 221 194Tennessee 29,559,755 28,245,077 28,740,582 8,348 8,484 8,435Texas 0 0 0 n/a n/a n/aUtah 7,495,320 7,855,114 7,104,347 2,091 2,390 2,254Vermont 3,837,956 3,957,125 4,060,693 1,323 1,345 1,542Virginia 23,066,918 22,283,993 21,834,273 7,616 7,644 7,594Washington 18,824,362 16,983,060 16,923,816 5,680 5,405 5,591West Virginia 4,135,395 4,188,213 4,183,582 1,219 1,162 1,269Wisconsin 19,619,382 17,995,772 16,229,538 5,828 5,839 5,460Wyoming 607,053 497,598 400,535 157 129 128Countrywide 1,137,614,878 1,145,576,712 1,106,955,581 323,889 335,777 332,306

CW w/o Texas 1,137,614,878 1,145,576,712 1,106,955,581 323,889 335,777 332,306

Table 12B-2


Incurred Losses - Property Damage Incurred Claims - Property DamageVoluntary Business



STATE 2014 2013 2012 2014 2013 2012Alabama 270.10 292.85 235.78 75.96 89.10 72.62Alaska 191.41 242.77 484.82 40.03 54.48 113.23Arizona 321.52 332.33 351.13 74.20 81.03 88.24Arkansas 224.59 205.27 209.27 81.18 75.22 75.41California 309.76 360.64 305.82 61.83 75.81 66.60Colorado 304.66 270.65 263.21 84.33 78.86 79.05Connecticut 346.83 393.03 399.22 67.85 79.40 82.50Delaware 304.60 331.88 345.35 60.19 67.92 71.98District of Columbia 286.75 284.47 439.88 53.39 54.12 85.97Florida 404.05 429.90 439.43 58.09 66.89 75.30Georgia 364.82 381.87 377.53 78.44 93.50 102.40Hawaii 185.31 226.55 171.61 57.38 74.47 59.04Idaho 225.65 193.67 224.21 84.85 74.50 88.13Illinois 269.21 307.13 329.36 70.82 84.02 92.70Indiana 243.51 221.71 209.01 90.44 81.51 79.01Iowa 236.40 196.03 187.64 112.87 92.85 89.05Kansas 218.82 174.93 179.48 97.08 79.07 82.13Kentucky 287.97 281.38 263.29 77.78 79.31 77.49Louisiana 495.55 504.73 489.70 70.81 75.64 76.00Maine 168.37 174.66 158.50 72.49 75.70 69.04Maryland 327.47 323.62 313.29 69.97 73.79 76.40Massachusetts - - - - - -Michigan 110.26 110.21 135.81 75.78 77.95 102.86Minnesota 205.17 203.51 192.05 75.75 76.34 72.23Mississippi 283.21 248.25 248.02 82.34 75.96 78.79Missouri 233.46 206.43 229.01 82.61 75.15 85.17Montana 228.63 220.44 215.04 69.81 68.50 68.70Nebraska 302.63 269.71 276.27 116.75 106.76 112.09Nevada 396.21 466.96 483.48 65.07 85.89 97.68New Hampshire 215.26 248.47 232.25 63.14 74.14 70.32New Jersey 287.45 322.47 342.91 56.95 66.62 74.85New Mexico 246.85 263.02 339.87 65.37 73.00 96.81New York 271.42 314.57 321.57 60.27 73.04 77.72North Carolina 195.51 0.00 0.00 75.82 0.00 0.00North Dakota 133.96 108.15 127.53 103.82 80.80 91.05Ohio 196.58 206.62 204.54 68.95 74.30 74.34Oklahoma 268.15 249.17 242.13 79.61 78.21 77.78Oregon 309.19 303.50 246.41 79.88 83.86 72.68Pennsylvania 237.89 248.66 247.49 65.83 70.65 72.03Rhode Island 401.81 376.74 411.90 72.14 70.01 77.94South Carolina 281.77 244.23 259.37 71.16 65.15 74.39South Dakota 209.08 145.55 160.72 96.13 69.44 80.64Tennessee 245.25 229.57 250.24 74.22 72.21 82.57Texas n/a n/a n/a - - -Utah 311.65 313.81 301.81 87.96 93.29 91.83Vermont 154.26 169.74 158.11 64.83 69.45 66.72Virginia 204.74 221.45 240.23 60.63 68.33 76.92Washington 341.14 293.82 306.27 88.43 80.12 84.79West Virginia 223.91 220.81 257.49 56.37 56.36 66.32Wisconsin 257.39 233.61 227.45 87.06 80.89 79.72Wyoming 414.62 199.83 206.66 166.94 80.69 78.90Countrywide 270.49 281.86 286.52 68.69 74.47 78.59CW w/o Texas 270.49 281.86 286.52 68.69 74.47 78.59

Table 12C


Pure Premium Loss Ratio

Voluntary Business



STATE 2014 2013 2012 2014 2013 2012Alabama 150.92 178.11 124.70 42.44 54.19 38.41Alaska 89.17 116.96 251.04 18.65 26.25 58.63Arizona 197.38 208.21 231.43 45.55 50.77 58.16Arkansas 119.24 99.81 110.92 43.10 36.57 39.97California 178.69 231.97 182.86 35.67 48.77 39.82Colorado 190.23 157.63 159.16 52.66 45.93 47.80Connecticut 213.64 257.00 267.39 41.80 51.92 55.26Delaware 175.89 204.05 215.07 34.75 41.76 44.82District of Columbia 142.35 148.40 271.97 26.51 28.23 53.15Florida 281.32 308.26 320.49 40.45 47.96 54.92Georgia 216.20 236.11 237.39 46.48 57.81 64.38Hawaii 73.75 110.65 69.15 22.83 36.37 23.79Idaho 152.78 129.21 162.29 57.45 49.70 63.79Illinois 144.19 180.61 210.85 37.93 49.41 59.34Indiana 159.05 139.71 128.90 59.07 51.37 48.73Iowa 130.31 100.39 91.42 62.22 47.55 43.39Kansas 130.51 87.16 95.94 57.90 39.40 43.90Kentucky 180.22 176.08 158.66 48.68 49.63 46.70Louisiana 339.70 352.26 344.57 48.54 52.79 53.48Maine 91.40 96.67 87.29 39.35 41.90 38.02Maryland 177.05 173.94 176.60 37.83 39.66 43.06Massachusetts - - - - - -Michigan 92.24 92.34 121.58 63.39 65.31 92.08Minnesota 96.30 99.36 97.17 35.55 37.27 36.55Mississippi 181.82 148.16 149.43 52.86 45.34 47.47Missouri 141.36 114.19 143.36 50.02 41.57 53.31Montana 151.15 149.32 144.51 46.15 46.40 46.17Nebraska 184.81 145.20 160.55 71.30 57.48 65.14Nevada 273.13 345.81 370.61 44.86 63.60 74.88New Hampshire 105.07 140.06 131.35 30.82 41.79 39.77New Jersey 153.66 184.82 208.95 30.44 38.18 45.61New Mexico 142.00 148.76 234.08 37.60 41.29 66.68New York 147.12 188.36 197.67 32.67 43.74 47.77North Carolina 24.91 0.00 0.00 9.66 0.00 0.00North Dakota 70.66 48.32 59.49 54.76 36.10 42.47Ohio 107.39 120.95 117.63 37.67 43.49 42.75Oklahoma 142.01 128.21 128.85 42.16 40.24 41.39Oregon 215.68 216.76 160.07 55.72 59.89 47.21Pennsylvania 113.49 125.84 130.27 31.40 35.75 37.91Rhode Island 236.38 219.74 257.83 42.44 40.84 48.79South Carolina 173.10 144.19 160.82 43.72 38.46 46.12South Dakota 142.17 81.51 114.26 65.36 38.89 57.33Tennessee 134.71 124.83 141.01 40.76 39.27 46.53Texas n/a n/a n/a - - -Utah 195.49 189.21 182.86 55.18 56.25 55.63Vermont 91.34 100.11 87.48 38.39 40.96 36.91Virginia 102.36 123.43 142.57 30.31 38.09 45.65Washington 241.30 204.00 217.34 62.55 55.63 60.17West Virginia 122.32 122.25 162.27 30.79 31.20 41.80Wisconsin 174.41 156.36 155.69 58.99 54.14 54.57Wyoming 268.34 79.78 97.11 108.04 32.21 37.07Countrywide 157.04 168.95 177.18 39.88 44.64 48.60CW w/o Texas 157.04 168.95 177.18 39.88 44.64 48.60

Table 12C-1


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

Voluntary Business



STATE 2014 2013 2012 2014 2013 2012Alabama 119.19 114.74 111.08 33.52 34.91 34.22Alaska 102.25 125.81 233.78 21.38 28.23 54.60Arizona 124.14 124.12 119.71 28.65 30.26 30.08Arkansas 105.35 105.46 98.35 38.08 38.64 35.44California 131.07 128.67 122.96 26.16 27.05 26.78Colorado 114.43 113.01 104.05 31.67 32.93 31.25Connecticut 133.19 136.03 131.83 26.06 27.48 27.24Delaware 128.71 127.83 130.28 25.43 26.16 27.15District of Columbia 144.40 136.08 167.92 26.89 25.89 32.82Florida 122.73 121.64 118.95 17.65 18.93 20.38Georgia 148.62 145.77 140.15 31.96 35.69 38.01Hawaii 111.56 115.89 102.46 34.54 38.09 35.25Idaho 72.87 64.46 61.91 27.40 24.79 24.34Illinois 125.02 126.52 118.52 32.89 34.61 33.36Indiana 84.46 82.00 80.11 31.37 30.15 30.28Iowa 106.09 95.64 96.22 50.66 45.30 45.66Kansas 88.31 87.77 83.54 39.18 39.67 38.23Kentucky 107.76 105.31 104.63 29.11 29.68 30.79Louisiana 155.85 152.47 145.13 22.27 22.85 22.52Maine 76.97 77.99 71.21 33.14 33.80 31.02Maryland 150.42 149.68 136.69 32.14 34.13 33.33Massachusetts - - - - - -Michigan 18.02 17.87 14.23 12.38 12.64 10.78Minnesota 108.87 104.15 94.88 40.19 39.07 35.69Mississippi 101.39 100.08 98.59 29.48 30.62 31.32Missouri 92.10 92.24 85.65 32.59 33.58 31.85Montana 77.48 71.12 70.54 23.66 22.10 22.53Nebraska 117.82 124.51 115.73 45.45 49.29 46.95Nevada 123.07 121.15 112.87 20.21 22.28 22.80New Hampshire 110.19 108.42 100.89 32.32 32.35 30.55New Jersey 133.79 137.66 133.96 26.51 28.44 29.24New Mexico 104.85 114.25 105.79 27.76 31.71 30.14New York 124.30 126.21 123.89 27.60 29.30 29.94North Carolina 170.60 0.00 0.00 66.16 0.00 0.00North Dakota 63.29 59.83 68.05 49.05 44.70 48.58Ohio 89.18 85.68 86.92 31.28 30.81 31.59Oklahoma 126.13 120.96 113.27 37.45 37.97 36.39Oregon 93.51 86.74 86.34 24.16 23.97 25.47Pennsylvania 124.41 122.82 117.21 34.42 34.90 34.11Rhode Island 165.43 156.99 154.07 29.70 29.18 29.15South Carolina 108.67 100.04 98.55 27.44 26.69 28.26South Dakota 66.91 64.04 46.46 30.76 30.55 23.31Tennessee 110.54 104.74 109.22 33.45 32.95 36.04Texas n/a n/a n/a - - -Utah 116.16 124.60 118.95 32.79 37.04 36.19Vermont 62.92 69.63 70.64 26.45 28.49 29.81Virginia 102.38 98.02 97.66 30.32 30.25 31.27Washington 99.84 89.83 88.93 25.88 24.49 24.62West Virginia 101.59 98.56 95.21 25.58 25.16 24.52Wisconsin 82.98 77.25 71.76 28.07 26.75 25.15Wyoming 146.28 120.05 109.56 58.90 48.47 41.83Countrywide 113.44 112.91 109.33 28.81 29.83 29.99

CW w/o Texas 113.44 112.91 109.33 28.81 29.83 29.99

Table 12C-2


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



STATE 2014 2013 2012 2014 2013 2012Alabama 0.84 0.84 0.84 17,878.66 21,255.48 14,795.78Alaska 0.54 0.91 1.23 16,439.88 12,888.73 20,402.82Arizona 1.11 1.16 1.12 17,702.23 17,877.01 20,684.59Arkansas 0.64 0.76 0.71 18,739.18 13,160.84 15,700.96California 0.63 0.65 0.65 28,395.96 35,495.33 28,228.71Colorado 0.65 0.70 0.69 29,374.54 22,496.79 22,921.53Connecticut 0.88 0.91 0.95 24,190.22 28,122.82 28,093.75Delaware 1.45 1.56 1.56 12,124.73 13,070.89 13,765.19District of Columbia 1.62 1.67 1.79 8,805.37 8,873.59 15,220.43Florida 1.27 1.28 1.30 22,203.82 24,016.06 24,629.76Georgia 1.66 1.78 1.68 13,042.01 13,245.58 14,142.78Hawaii 0.35 0.54 0.43 20,856.98 20,587.84 16,064.84Idaho 1.20 1.17 1.30 12,754.24 11,057.34 12,513.76Illinois 0.82 0.80 0.88 17,668.42 22,656.45 24,038.09Indiana 0.87 0.93 0.83 18,318.94 15,058.87 15,552.06Iowa 0.51 0.50 0.56 25,535.00 20,239.21 16,247.26Kansas 0.28 0.31 0.35 46,084.78 28,460.34 27,545.34Kentucky 1.12 1.14 1.08 16,161.84 15,497.79 14,674.55Louisiana 1.84 1.95 1.89 18,422.98 18,085.69 18,210.51Maine 0.40 0.40 0.38 22,816.39 24,415.53 23,231.27Maryland 1.61 1.69 1.41 10,991.57 10,290.15 12,480.58Massachusetts - - - - - -Michigan 0.16 0.16 0.17 58,882.39 58,698.04 72,232.52Minnesota 0.29 0.33 0.35 33,208.55 29,958.80 27,742.15Mississippi 0.91 0.87 0.84 20,075.44 17,000.19 17,832.37Missouri 0.57 0.64 0.63 24,935.56 17,893.89 22,778.68Montana 0.45 0.75 0.80 33,835.94 19,970.61 17,955.52Nebraska 0.68 0.75 0.68 27,280.04 19,290.91 23,442.30Nevada 1.59 1.68 1.46 17,214.61 20,556.02 25,449.88New Hampshire 0.49 0.61 0.58 21,448.07 22,993.36 22,785.64New Jersey 0.47 0.46 0.44 32,721.06 39,786.77 47,287.87New Mexico 0.86 0.94 1.16 16,533.91 15,884.17 20,242.21New York 0.48 0.55 0.58 30,839.12 34,040.43 33,898.03North Carolina 0.86 0.00 0.00 2,889.50 - -North Dakota 0.11 0.16 0.16 65,779.71 30,673.79 36,734.20Ohio 0.78 0.78 0.87 13,702.46 15,501.11 13,529.58Oklahoma 0.78 0.87 0.84 18,243.95 14,782.38 15,346.98Oregon 1.78 1.82 1.65 12,104.79 11,912.38 9,681.94Pennsylvania 0.44 0.46 0.48 25,994.53 27,086.95 27,424.92Rhode Island 1.27 1.33 1.28 18,583.28 16,529.43 20,121.81South Carolina 1.36 1.35 1.34 12,692.99 10,683.03 12,034.57South Dakota 0.23 0.48 0.38 61,132.89 17,026.47 29,901.66Tennessee 0.73 0.78 0.86 18,407.09 16,084.34 16,360.43Texas n/a n/a n/a n/a n/a n/aUtah 1.16 1.31 0.92 16,886.73 14,475.50 19,892.53Vermont 0.60 0.55 0.35 15,180.49 18,292.26 24,894.29Virginia 0.81 0.85 0.80 12,616.19 14,494.76 17,746.74Washington 1.68 1.76 1.80 14,370.15 11,603.14 12,079.67West Virginia 0.84 0.77 0.91 14,601.32 15,935.23 17,737.20Wisconsin 0.57 0.56 0.55 30,479.69 28,082.67 28,487.18Wyoming 0.77 0.65 0.30 34,800.13 12,247.70 32,275.27Countrywide 0.75 0.79 0.78 20,974.33 21,435.98 22,743.93

CW w/o Texas 0.75 0.79 0.78 20,974.33 21,435.98 22,743.93

Table 12D-1


Frequency - Bodily Injury Component Severity - Bodily Injury ComponentVoluntary Business




CW w/o Texas 3.23 3.31 3.28 3,512.36 3,411.72 3,331.13

Table 12D-2


Frequency - Property Damage Component Severity - Property Damage ComponentVoluntary Business



STATE 2014 2013 2012 2014 2013 2012Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California - - - - - -Colorado 0 0 0 0 0 0Connecticut 0 0 0 0 0 0Delaware 0 0 0 0 0 0District of Columbia 0 0 0 0 0 0Florida 0 0 0 0 0 0Georgia 0 0 0 0 0 0Hawaii 216,026 983,385 1,276,278 221 1,007 1,306Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 0 0 0 0 0 0Kentucky 0 0 0 0 0 0Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 0 0 0 0 0 0Massachusetts 0 0 0 0 0 0Michigan 0 0 0 0 0 0Minnesota 0 0 0 0 0 0Mississippi 0 0 0 0 0 0Missouri 0 0 0 0 0 0Montana 0 0 0 0 0 0Nebraska 0 0 0 0 0 0Nevada 0 0 0 0 0 0New Hampshire 67,818 74,937 95,076 62 68 84New Jersey 343,535 456,451 642,367 180 270 384New Mexico 0 0 0 0 0 0New York 52,521 57,169 90,779 32 19 25North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 0 0 0 0 0 0Pennsylvania 494 494 494 2 2 2Rhode Island 0 0 0 0 0 0South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 0 0 0 n/a n/a n/aUtah 0 0 0 0 0 0Vermont 0 0 0 0 0 0Virginia 0 0 0 0 0 0Washington 0 0 0 0 0 0West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 680,394 1,572,436 2,104,994 497 1,366 1,801

CW w/o Texas 680,394 1,572,436 2,104,994 497 1,366 1,801

Table 13A





STATE 2014 2013 2012 2014 2013 2012Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California - - - - - -Colorado 0 0 0 0 0 0Connecticut 0 0 0 0 0 0Delaware 0 0 0 0 0 0District of Columbia 0 0 0 0 0 0Florida 0 0 0 0 0 0Georgia 0 0 0 0 0 0Hawaii 60,361 56,200 208,950 5 9 28Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 0 0 0 0 0 0Kentucky 0 0 0 0 0 0Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 0 0 0 0 0 0Massachusetts 0 0 0 0 0 0Michigan 0 0 0 0 0 0Minnesota 0 0 0 0 0 0Mississippi 0 0 0 0 0 0Missouri 0 0 0 0 0 0Montana 0 0 0 0 0 0Nebraska 0 0 0 0 0 0Nevada 0 0 0 0 0 0New Hampshire 0 0 8,999 0 0 1New Jersey 91,554 96,712 194,378 11 11 9New Mexico 0 0 0 0 0 0New York 0 0 0 0 0 0North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 0 0 0 0 0 0Pennsylvania 0 0 0 0 0 0Rhode Island 0 0 0 0 0 0South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 0 0 0 n/a n/a n/aUtah 0 0 0 0 0 0Vermont 0 0 0 0 0 0Virginia 0 0 0 0 0 0Washington 0 0 0 0 0 0West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 151,915 152,912 412,327 16 20 38

CW w/o Texas 151,915 152,912 412,327 16 20 38

Table 13B-1


Incurred Losses - Bodily Injury Incurred Claims - Bodily InjuryResidual Business



STATE 2014 2013 2012 2014 2013 2012Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California - - - - - -Colorado 0 0 0 0 0 0Connecticut 0 0 0 0 0 0Delaware 0 0 0 0 0 0District of Columbia 0 0 0 0 0 0Florida 0 0 0 0 0 0Georgia 0 0 0 0 0 0Hawaii 15,247 155,170 237,110 7 63 88Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 0 0 0 0 0 0Kentucky 0 0 0 0 0 0Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 0 0 0 0 0 0Massachusetts 0 0 0 0 0 0Michigan 0 0 0 0 0 0Minnesota 0 0 0 0 0 0Mississippi 0 0 0 0 0 0Missouri 0 0 0 0 0 0Montana 0 0 0 0 0 0Nebraska 0 0 0 0 0 0Nevada 0 0 0 0 0 0New Hampshire 11,306 7,601 27,913 3 6 9New Jersey 90,948 144,744 215,119 11 36 71New Mexico 0 0 0 0 0 0New York 0 1,999 9,232 0 1 1North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 0 0 0 0 0 0Pennsylvania 0 0 0 0 0 0Rhode Island 0 0 0 0 0 0South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 0 0 0 n/a n/a n/aUtah 0 0 0 0 0 0Vermont 0 0 0 0 0 0Virginia 0 0 0 0 0 0Washington 0 0 0 0 0 0West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 117,501 309,514 489,374 21 106 169

CW w/o Texas 117,501 309,514 489,374 21 106 169

Table 13B-2


Incurred Losses - Property Damage Incurred Claims - Property DamageResidual Business



STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut - - - - - -Delaware - - - - - -District of Columbia - - - - - -Florida - - - - - -Georgia - - - - - -Hawaii 342.12 209.90 341.55 35.00 21.49 34.95Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas - - - - - -Kentucky - - - - - -Louisiana - - - - - -Maine - - - - - -Maryland - - - - - -Massachusetts - - - - - -Michigan - - - - - -Minnesota - - - - - -Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire 182.35 111.78 439.43 16.67 10.14 38.82New Jersey 1,013.90 894.28 1,066.40 53.12 52.90 63.75New Mexico - - - - - -New York 0.00 105.21 369.28 0.00 3.50 10.17North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma - - - - - -Oregon - - - - - -Pennsylvania 0.00 0.00 0.00 0.00 0.00 0.00Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a - - -Utah - - - - - -Vermont - - - - - -Virginia - - - - - -Washington - - - - - -West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 542.08 338.53 500.67 39.60 29.41 42.84

CW w/o Texas 542.08 338.53 500.67 39.60 29.41 42.84

Table 13C





STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut - - - - - -Delaware - - - - - -District of Columbia - - - - - -Florida - - - - - -Georgia - - - - - -Hawaii 273.13 55.81 159.99 27.94 5.71 16.37Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas - - - - - -Kentucky - - - - - -Louisiana - - - - - -Maine - - - - - -Maryland - - - - - -Massachusetts - - - - - -Michigan - - - - - -Minnesota - - - - - -Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire 0.00 0.00 107.13 0.00 0.00 9.47New Jersey 508.63 358.19 506.19 26.65 21.19 30.26New Mexico - - - - - -New York 0.00 0.00 0.00 0.00 0.00 0.00North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma - - - - - -Oregon - - - - - -Pennsylvania 0.00 0.00 0.00 0.00 0.00 0.00Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a - - -Utah - - - - - -Vermont - - - - - -Virginia - - - - - -Washington - - - - - -West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 305.66 111.94 228.94 22.33 9.72 19.59

CW w/o Texas 305.66 111.94 228.94 22.33 9.72 19.59

Table 13C-1


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



STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut - - - - - -Delaware - - - - - -District of Columbia - - - - - -Florida - - - - - -Georgia - - - - - -Hawaii 68.99 154.09 181.55 7.06 15.78 18.58Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas - - - - - -Kentucky - - - - - -Louisiana - - - - - -Maine - - - - - -Maryland - - - - - -Massachusetts - - - - - -Michigan - - - - - -Minnesota - - - - - -Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire 182.35 111.78 332.30 16.67 10.14 29.36New Jersey 505.27 536.09 560.21 26.47 31.71 33.49New Mexico - - - - - -New York 0.00 105.21 369.28 0.00 3.50 10.17North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma - - - - - -Oregon - - - - - -Pennsylvania 0.00 0.00 0.00 0.00 0.00 0.00Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a - - -Utah - - - - - -Vermont - - - - - -Virginia - - - - - -Washington - - - - - -West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 236.42 226.58 271.72 17.27 19.68 23.25

CW w/o Texas 236.42 226.58 271.72 17.27 19.68 23.25

Table 13C-2


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



STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut - - - - - -Delaware - - - - - -District of Columbia - - - - - -Florida - - - - - -Georgia - - - - - -Hawaii 2.26 0.89 2.14 12,072.20 6,244.44 7,462.50Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas - - - - - -Kentucky - - - - - -Louisiana - - - - - -Maine - - - - - -Maryland - - - - - -Massachusetts - - - - - -Michigan - - - - - -Minnesota - - - - - -Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire 0.00 0.00 1.19 - - 8,999.00New Jersey 6.11 4.07 2.34 8,323.09 8,792.00 21,597.56New Mexico - - - - - -New York 0.00 0.00 0.00 - - -North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma - - - - - -Oregon - - - - - -Pennsylvania 0.00 0.00 0.00 - - -Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a n/a n/a n/aUtah - - - - - -Vermont - - - - - -Virginia - - - - - -Washington - - - - - -West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 3.22 1.46 2.11 9,494.69 7,645.60 10,850.71

CW w/o Texas 3.22 1.46 2.11 9,494.69 7,645.60 10,850.71

Table 13D-1


Frequency - Bodily Injury Component Severity - Bodily Injury ComponentResidual Business



STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut - - - - - -Delaware - - - - - -District of Columbia - - - - - -Florida - - - - - -Georgia - - - - - -Hawaii 3.17 6.26 6.74 2,178.14 2,463.02 2,694.43Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas - - - - - -Kentucky - - - - - -Louisiana - - - - - -Maine - - - - - -Maryland - - - - - -Massachusetts - - - - - -Michigan - - - - - -Minnesota - - - - - -Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire 4.84 8.82 10.71 3,768.67 1,266.83 3,101.44New Jersey 6.11 13.33 18.49 8,268.00 4,020.67 3,029.85New Mexico - - - - - -New York 0.00 5.26 4.00 - 1,999.00 9,232.00North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma - - - - - -Oregon - - - - - -Pennsylvania 0.00 0.00 0.00 - - -Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a n/a n/a n/aUtah - - - - - -Vermont - - - - - -Virginia - - - - - -Washington - - - - - -West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 4.23 7.76 9.38 5,595.29 2,919.94 2,895.70

CW w/o Texas 4.23 7.76 9.38 5,595.29 2,919.94 2,895.70

Table 13D-2


Frequency - Property Damage Component Severity - Property Damage ComponentResidual Business



STATE 2014 2013 2012 2014 2013 2012Alabama 26,076,162 24,280,366 23,305,856 73,331 73,871 71,786Alaska 705,274 736,574 765,577 1,475 1,653 1,788Arizona 64,121,400 58,734,453 51,855,620 147,983 143,213 130,313Arkansas 63,697,381 62,653,046 63,163,678 230,227 229,577 227,613California 142,184,488 138,079,520 137,527,455 283,809 290,268 299,485Colorado 58,296,791 54,463,118 50,446,870 161,367 158,699 151,502Connecticut 199,330,193 202,593,930 200,626,811 389,956 409,254 414,592Delaware 31,363,236 29,987,163 28,775,324 61,970 61,368 59,971District of Columbia 6,810,102 6,631,368 6,414,664 12,681 12,617 12,536Florida 182,205,827 182,470,493 174,415,887 261,959 283,899 298,874Georgia 140,590,797 130,188,426 120,792,281 302,289 318,762 327,613Hawaii 11,998,887 12,247,712 12,080,677 36,704 38,033 38,478Idaho 14,719,443 14,393,771 13,632,870 55,348 55,368 53,588Illinois 99,023,589 95,477,469 90,369,789 260,504 261,181 254,352Indiana 57,616,867 55,789,891 54,610,447 213,998 205,114 206,431Iowa 25,610,274 25,966,474 26,061,826 122,279 122,985 123,691Kansas 40,589,818 39,585,468 38,775,532 180,085 178,934 177,433Kentucky 75,006,220 72,014,131 67,471,802 202,589 202,968 198,572Louisiana 87,481,226 80,855,912 75,048,518 125,007 121,166 116,480Maine 40,990,737 40,032,562 40,201,542 176,482 173,511 175,111Maryland 89,459,315 85,755,382 79,729,093 191,147 195,520 194,420Massachusetts 0 0 0 0 0 0Michigan 47,000,482 44,127,468 39,614,687 323,011 312,102 300,035Minnesota 48,757,278 47,181,852 45,163,040 180,013 176,997 169,872Mississippi 31,596,967 29,474,141 25,768,618 91,865 90,186 81,865Missouri 106,329,011 104,085,096 101,687,250 376,269 378,906 378,166Montana 9,750,467 10,588,119 11,084,664 29,773 32,902 35,412Nebraska 15,841,100 15,539,556 14,539,724 61,111 61,512 58,990Nevada 47,126,159 39,461,004 30,316,667 77,396 72,581 61,254New Hampshire 26,582,520 25,385,990 25,015,935 77,836 75,587 75,542New Jersey 682,889,204 664,302,115 633,295,851 1,352,418 1,371,792 1,381,323New Mexico 13,851,090 13,041,990 11,839,715 36,677 36,197 33,726New York 514,709,733 511,482,244 502,812,151 1,142,911 1,187,502 1,214,988North Carolina 59,820 56,067 19,011 232 241 86North Dakota 4,924,755 4,928,384 4,843,770 38,166 36,819 34,582Ohio 147,905,575 148,985,950 151,519,611 518,782 535,723 550,714Oklahoma 74,860,442 67,005,760 62,771,838 222,245 210,309 201,642Oregon 43,861,273 40,476,428 36,768,035 113,316 111,835 108,448Pennsylvania 207,442,313 209,779,134 206,658,742 573,998 596,032 601,449Rhode Island 56,707,664 57,072,093 55,720,635 101,808 106,062 105,436South Carolina 47,269,379 44,855,559 41,644,036 119,377 119,657 119,432South Dakota 2,618,736 2,320,522 2,138,625 12,040 11,071 10,730Tennessee 88,366,841 85,731,953 79,743,985 267,414 269,679 263,132Texas 0 0 0 n/a n/a n/aUtah 22,861,802 21,206,827 19,629,819 64,526 63,041 59,724Vermont 14,512,610 13,889,552 13,622,665 60,996 56,829 57,486Virginia 76,077,827 73,676,623 69,820,549 225,303 227,349 223,564Washington 72,732,882 69,333,280 68,739,197 188,547 189,067 190,306West Virginia 16,169,183 16,649,362 17,059,951 40,705 42,494 43,940Wisconsin 69,905,388 67,275,982 64,521,675 236,446 232,947 226,154Wyoming 1,030,716 1,026,559 957,637 4,150 4,145 3,656Countrywide 3,949,619,244 3,841,876,839 3,693,390,202 10,028,521 10,147,525 10,126,283

CW w/o Texas 3,949,619,244 3,841,876,839 3,693,390,202 10,028,521 10,147,525 10,126,283

Table 14A





STATE 2014 2013 2012 2014 2013 2012Alabama 11,066,891 13,157,142 8,951,448 619 619 605Alaska 131,519 193,331 448,862 8 15 22Arizona 29,208,681 29,818,855 30,158,138 1,650 1,668 1,458Arkansas 27,452,900 22,913,022 25,247,146 1,465 1,741 1,608California 50,715,189 67,334,641 54,763,701 1,786 1,897 1,940Colorado 30,696,390 25,016,426 24,113,447 1,045 1,112 1,052Connecticut 83,311,105 105,179,358 110,857,940 3,444 3,740 3,946Delaware 10,900,129 12,521,915 12,897,979 899 958 937District of Columbia 1,805,101 1,872,328 3,409,377 205 211 224Florida 73,694,489 87,514,513 95,785,149 3,319 3,644 3,889Georgia 65,353,525 75,261,394 77,771,129 5,011 5,682 5,499Hawaii 2,750,911 4,153,180 2,779,324 134 208 188Idaho 8,456,058 7,154,097 8,697,064 663 647 695Illinois 37,563,065 47,170,731 53,628,983 2,126 2,082 2,231Indiana 34,036,589 28,657,033 26,609,568 1,858 1,903 1,711Iowa 15,933,839 12,345,920 11,308,093 624 610 696Kansas 23,503,240 15,596,267 17,023,020 510 548 618Kentucky 36,509,601 35,737,902 31,506,252 2,259 2,306 2,147Louisiana 42,464,971 42,682,229 40,135,955 2,305 2,360 2,204Maine 16,131,187 16,773,466 15,286,174 707 687 658Maryland 33,843,049 34,008,934 34,334,063 3,079 3,305 2,751Massachusetts 0 0 0 0 0 0Michigan 29,794,491 28,820,737 36,477,422 506 491 505Minnesota 17,334,864 17,585,818 16,506,580 522 587 595Mississippi 16,702,768 13,362,146 12,233,005 832 786 686Missouri 53,187,541 43,267,431 54,213,262 2,133 2,418 2,380Montana 4,500,180 4,912,771 5,117,324 133 246 285Nebraska 11,293,935 8,931,691 9,470,688 414 463 404Nevada 21,139,544 25,098,898 22,701,290 1,228 1,221 892New Hampshire 8,171,715 10,576,945 9,920,754 381 460 436New Jersey 207,870,308 253,578,233 288,744,935 6,361 6,382 6,111New Mexico 5,208,183 5,384,732 7,894,460 315 339 390New York 168,134,884 223,679,681 240,167,544 5,452 6,571 7,085North Carolina 5,779 0 0 2 0 0North Dakota 2,696,968 1,779,080 2,057,115 41 58 56Ohio 55,714,204 64,794,647 64,779,641 4,066 4,180 4,788Oklahoma 31,562,027 26,963,064 25,982,439 1,730 1,824 1,693Oregon 24,439,570 24,241,686 17,359,726 2,019 2,035 1,793Pennsylvania 65,142,284 75,003,757 78,353,009 2,506 2,769 2,857Rhode Island 24,065,347 23,306,500 27,184,567 1,295 1,410 1,351South Carolina 20,664,194 17,253,096 19,207,179 1,628 1,615 1,596South Dakota 1,711,721 902,403 1,225,968 28 53 41Tennessee 36,022,683 33,664,531 37,105,451 1,957 2,093 2,268Texas 0 0 0 n/a n/a n/aUtah 12,614,386 11,927,809 10,920,997 747 824 549Vermont 5,571,241 5,688,892 5,028,646 367 311 202Virginia 23,062,403 28,061,848 31,873,154 1,828 1,936 1,796Washington 45,495,906 38,568,821 41,360,788 3,166 3,324 3,424West Virginia 4,979,050 5,194,886 7,130,354 341 326 402Wisconsin 41,239,018 36,423,229 35,210,158 1,353 1,297 1,236Wyoming 1,113,604 330,688 355,028 32 27 11Countrywide 1,574,967,227 1,714,366,704 1,794,294,296 75,099 79,989 78,911

CW w/o Texas 1,574,967,227 1,714,366,704 1,794,294,296 75,099 79,989 78,911

Table 14B-1


Incurred Losses - Bodily Injury Incurred Claims - Bodily InjuryTotal Business



STATE 2014 2013 2012 2014 2013 2012Alabama 8,740,095 8,475,864 7,974,107 2,241 2,221 2,169Alaska 150,813 207,963 418,002 38 45 67Arizona 18,370,629 17,775,357 15,599,154 4,943 4,971 4,534Arkansas 24,254,350 24,211,795 22,386,018 6,314 6,621 6,134California 37,198,236 37,347,755 36,824,525 10,219 10,726 11,013Colorado 18,465,377 17,935,160 15,763,561 5,206 5,231 4,781Connecticut 51,936,399 55,670,968 54,655,815 14,488 15,724 15,837Delaware 7,976,071 7,844,639 7,813,139 2,349 2,296 2,212District of Columbia 1,831,140 1,716,877 2,105,011 696 660 771Florida 32,151,005 34,534,038 35,550,527 9,668 10,639 11,217Georgia 44,926,313 46,464,645 45,914,238 12,895 13,922 13,936Hawaii 4,085,191 4,446,269 4,045,744 1,393 1,531 1,488Idaho 4,033,286 3,568,766 3,317,787 1,254 1,225 1,155Illinois 32,567,158 33,044,672 30,145,427 9,868 9,853 9,524Indiana 18,073,457 16,819,795 16,536,850 5,231 5,138 5,372Iowa 12,973,039 11,762,774 11,901,025 3,721 3,937 4,080Kansas 15,903,179 15,705,004 14,822,037 3,817 4,387 4,680Kentucky 21,830,782 21,373,784 20,776,071 6,423 6,591 6,412Louisiana 19,482,260 18,473,968 16,904,552 5,003 4,934 4,574Maine 13,583,792 13,531,790 12,469,780 4,542 4,601 4,281Maryland 28,752,387 29,266,190 26,575,529 9,125 9,246 8,833Massachusetts 0 0 0 0 0 0Michigan 5,820,463 5,575,772 4,269,552 2,457 2,277 1,887Minnesota 19,597,919 18,434,868 16,116,627 5,850 6,015 5,485Mississippi 9,314,379 9,026,225 8,071,242 2,515 2,510 2,279Missouri 34,655,807 34,950,134 32,389,409 10,829 11,411 10,918Montana 2,306,833 2,340,076 2,497,824 694 660 731Nebraska 7,200,289 7,658,889 6,826,661 2,134 2,285 2,104Nevada 9,525,288 8,793,482 6,913,495 2,764 2,612 2,061New Hampshire 8,581,123 8,195,216 7,641,246 2,791 2,790 2,630New Jersey 181,012,529 188,942,612 185,206,776 46,552 48,853 48,494New Mexico 3,845,635 4,135,669 3,567,976 992 1,042 1,056New York 142,061,301 149,874,567 150,535,238 39,115 41,853 42,816North Carolina 39,579 0 0 15 0 0North Dakota 2,415,681 2,203,025 2,353,176 675 694 623Ohio 46,267,084 45,898,347 47,865,544 14,847 15,412 16,323Oklahoma 28,032,056 25,439,786 22,840,403 7,415 7,047 6,531Oregon 10,596,081 9,700,637 9,363,055 3,593 3,399 3,223Pennsylvania 71,408,441 73,202,929 70,497,688 20,519 21,467 21,481Rhode Island 16,842,562 16,650,787 16,244,259 4,310 4,493 4,350South Carolina 12,972,686 11,970,240 11,769,961 3,930 3,945 3,946South Dakota 805,543 708,940 498,558 217 221 194Tennessee 29,559,755 28,245,077 28,740,582 8,348 8,484 8,435Texas 0 0 0 n/a n/a n/aUtah 7,495,320 7,855,114 7,104,347 2,091 2,390 2,254Vermont 3,837,956 3,957,125 4,060,693 1,323 1,345 1,542Virginia 23,066,918 22,283,993 21,834,273 7,616 7,644 7,594Washington 18,824,362 16,983,060 16,923,816 5,680 5,405 5,591West Virginia 4,135,395 4,188,213 4,183,582 1,219 1,162 1,269Wisconsin 19,619,382 17,995,772 16,229,538 5,828 5,839 5,460Wyoming 607,053 497,598 400,535 157 129 128Countrywide 1,137,732,379 1,145,886,226 1,107,444,955 323,910 335,883 332,475

CW w/o Texas 1,137,732,379 1,145,886,226 1,107,444,955 323,910 335,883 332,475

Table 14B-2


Incurred Losses - Property Damage Incurred Claims - Property DamageTotal Business




CW w/o Texas 270.50 281.87 286.56 68.68 74.45 78.57

Table 14C






CW w/o Texas 157.05 168.94 177.19 39.88 44.62 48.58

Table 14C-1


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




CW w/o Texas 113.45 112.92 109.36 28.81 29.83 29.98

Table 14C-2


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




CW w/o Texas 0.75 0.79 0.78 20,971.88 21,432.53 22,738.20

Table 14D-1


Frequency - Bodily Injury Component Severity - Bodily Injury ComponentTotal Business




CW w/o Texas 3.23 3.31 3.28 3,512.50 3,411.56 3,330.91

Table 14D-2


Frequency - Property Damage Component Severity - Property Damage ComponentTotal Business


Personal Injury Protection


Personal Injury Protection

States with no-fault auto laws restrict the right to sue for damages for auto injuries below a specified injury threshold. Instead, a person injured in an accident receives benefits for economic damages from the insurer of the vehicle in which he or she was traveling, without regard to fault. In these states, personal injury protection (PIP) replaces the more limited medical payments coverage. The PIP coverage provides reimbursement for medical expenses, work loss or income continuation benefits, funeral expenses, survivors’ benefits, and the cost of rehabilitation and replacement services necessitated by the injury.

A few of the states have “choice” no-fault laws. In these states, policyholders can choose to operate under a no-fault plan, in which case they collect benefits from their own insurer without regard to fault. When policyholders choose to limit their right to file a liability claim or lawsuit, their liability premiums are reduced. Still other states have laws that require auto insurers to offer PIP benefits, but do not restrict the right to pursue a liability claim or lawsuit, as well. In these states, PIP is “added on” to the existing tort liability system, sometimes in the form of separate packages of PIP coverages similar to those sold in no-fault states, and sometimes by simply offering to add some wage replacement benefits to the medical and funeral benefit in medical payments coverage.

Personal Injury Protection State-Specific Information and Technical Notes

Personal Injury Protection Data

Illinois—PIP data are included in other liability, which is not reported separately in this publication. South Carolina—PIP data are included in other liability, which is not reported separately in this publication. PIP is an optional coverage some companies make available to insureds.

Personal Injury Protection—Requirements Florida—Florida requires PIP coverage, but does not require bodily injury liability. However, on Oct. 1, 2007, the no-fault laws in Florida were suspended through Jan. 1, 2008. New Jersey—The minimum bodily injury limits for New Jersey are 15/30 with a standard $250,000 PIP benefit. This is the coverage most insureds purchase; however, a new “basic” policy was introduced in March 1999, whereby an insured can purchase $15,000 of PIP benefits and no bodily injury liability or BI limits of

10/10. On Oct. 1, 2003, the Special Automobile Insurance Policy (SAIP) was introduced, wherein only insureds who are enrolled in the federal Medicaid program may purchase a policy. The policy provides $250,000 per person, per accident, maximum medical coverage for emergency care only, plus a $10,000 death benefit, and out-of-state liability coverage. Pennsylvania—Mandatory first-party medical benefits law. It is similar to PIP, but is titled Medical Benefits. Massachusetts—Insured can choose to have a deductible of up to $8,000 for him/herself and family members. This would in effect eliminate the $8,000 PIP coverage.


Michigan—PIP provides unlimited medical benefits.

Minnesota—Requires PIP with $20,000 medical benefit; $20,000 non-medical benefit. Oregon—There is a $15,000 minimum for PIP. Washington—PIP may be rejected by the insured.

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

PIP Loss Development Incurred losses are developed to 63 months. No-fault states are:

District of Columbia** Florida Hawaii Kansas Kentucky* Massachusetts Michigan Minnesota New Jersey* New York North Dakota Pennsylvania* Utah

*Denotes Choice – Under a choice system, drivers choose whether they want to be insured under a pure no-fault plan or retain some traditional tort rights similar to modified no-fault.

**The District of Columbia is neither a true no-fault nor add-on state. Drivers are offered the option of no-fault or fault-based coverage, but in the event of an accident a driver who originally chose no-fault benefits has 60 days to decide whether to receive those benefits or file a claim against the other party.

Add-on states are:

Arkansas Delaware Maryland New Hampshire Oregon South Dakota Texas Washington Wisconsin

Drivers receive compensation from their own insurance company as they do in no-fault states. In an “add-on” state and there are no restrictions on lawsuits.

First party benefits have been added on to the traditional tort liability system in an “add-on” state. First-party coverage may not be mandatory in an “add-on” state and the benefits may be lower than benefits in true no-fault states.



STATE 2014 2013 2012 2014 2013 2012Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California - - - - - -Colorado 0 0 0 0 0 0Connecticut 5,290,564 5,273,228 5,383,493 170,918 185,417 198,850Delaware 127,036,011 123,743,306 121,246,623 634,555 621,757 608,942District of Columbia 5,867,760 5,915,994 5,976,684 161,049 160,611 160,629Florida 3,009,692,296 3,213,850,011 3,038,551,802 12,120,911 11,772,232 11,525,342Georgia 0 0 0 0 0 0Hawaii 75,602,295 74,178,030 70,200,568 829,118 811,816 799,375Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 114,671,587 113,036,931 111,158,784 2,152,771 2,162,140 2,140,848Kentucky 299,344,877 294,965,396 291,400,773 3,070,349 3,032,709 3,005,373Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 283,076,566 276,860,350 271,957,265 3,990,382 3,938,890 3,893,631Massachusetts 222,504,929 212,552,172 202,975,909 4,134,338 4,059,850 3,997,449Michigan 3,194,166,229 2,942,041,712 2,568,045,425 5,565,365 5,535,021 5,465,047Minnesota 577,892,183 568,745,380 535,439,865 3,813,571 3,796,071 3,739,031Mississippi 0 0 0 0 0 0Missouri 0 0 0 0 0 0Montana 0 0 0 0 0 0Nebraska 0 0 0 0 0 0Nevada 0 0 0 0 0 0New Hampshire 0 0 0 0 0 0New Jersey 1,639,617,668 1,630,130,748 1,586,419,461 5,349,218 5,265,986 5,201,199New Mexico 0 0 0 0 0 0New York 2,267,046,154 2,267,647,113 2,231,531,712 9,305,325 9,235,168 9,149,791North Carolina 0 0 0 0 0 0North Dakota 36,388,965 34,658,254 31,781,577 549,528 538,808 519,212Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 296,638,546 284,349,854 269,913,984 2,649,035 2,640,691 2,624,960Pennsylvania 663,285,366 673,544,944 681,238,586 8,322,678 8,265,121 8,272,366Rhode Island 0 0 0 0 0 0South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 446,918,184 433,421,924 419,451,832 n/a n/a n/aUtah 73,879,161 72,427,260 70,690,998 1,722,430 1,704,501 1,675,229Vermont 0 0 0 0 0 0Virginia 0 0 0 0 0 0Washington 302,074,048 293,573,035 279,439,416 3,193,244 3,187,140 3,182,731West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 13,640,993,389 13,520,915,642 12,792,804,757 67,734,785 66,913,929 66,160,005

CW w/o Texas 13,194,075,205 13,087,493,718 12,373,352,925 67,734,785 66,913,929 66,160,005

Table 15A

Personal Injury Protection 2012-2014




STATE 2014 2013 2012 2014 2013 2012Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 2,144 5,162 0 1 1California - - - - - -Colorado 0 0 0 0 0 0Connecticut 3,951,362 5,016,722 4,600,975 749 851 939Delaware 91,008,134 95,851,280 93,103,110 12,959 12,516 11,531District of Columbia 3,219,317 4,837,691 3,793,237 566 732 696Florida 2,280,216,266 1,993,636,302 2,277,400,974 316,854 303,612 315,336Georgia 0 0 0 0 0 0Hawaii 47,005,765 44,988,225 45,817,064 9,428 9,417 9,514Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 68,358,665 68,719,761 71,873,455 16,964 18,007 19,268Kentucky 224,625,764 220,852,379 224,874,227 60,291 62,554 66,559Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 218,926,601 213,896,947 213,206,158 82,651 81,744 82,113Massachusetts 143,827,371 129,716,562 126,597,070 38,307 35,476 35,871Michigan 2,179,199,529 2,934,529,820 3,152,203,033 43,328 45,640 46,113Minnesota 384,500,786 397,287,845 386,555,773 43,479 45,563 43,208Mississippi 0 0 0 0 0 0Missouri 0 0 0 0 0 0Montana 0 0 0 0 0 0Nebraska 0 0 0 0 0 0Nevada 0 0 0 0 0 0New Hampshire 0 0 0 0 0 0New Jersey 1,088,367,265 1,160,091,019 1,167,112,078 78,722 86,673 86,046New Mexico 0 0 0 0 0 0New York 1,511,174,452 1,562,825,411 1,474,522,111 177,575 195,569 192,399North Carolina 0 0 0 0 0 0North Dakota 23,105,919 23,908,609 24,661,772 3,420 3,535 3,425Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 188,902,344 190,131,329 204,210,385 42,774 40,785 41,389Pennsylvania 463,962,905 494,823,033 504,019,784 123,799 131,009 135,058Rhode Island 0 0 0 0 0 0South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 271,403,688 287,351,755 269,900,790 n/a n/a n/aUtah 51,397,459 49,604,579 51,238,699 21,131 20,492 20,029Vermont 0 0 0 0 0 0Virginia 0 0 0 0 0 0Washington 225,208,101 220,338,376 234,154,037 48,211 45,675 46,440West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 9,468,361,693 10,098,409,789 10,529,849,894 1,121,208 1,139,851 1,155,935

CW w/o Texas 9,196,958,005 9,811,058,034 10,259,949,104 1,121,208 1,139,851 1,155,935

Table 15B





STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut 23.12 27.06 23.14 74.69 95.14 85.46Delaware 143.42 154.16 152.89 71.64 77.46 76.79District of Columbia 19.99 30.12 23.61 54.86 81.77 63.47Florida 188.12 169.35 197.60 75.76 62.03 74.95Georgia - - - - - -Hawaii 56.69 55.42 57.32 62.18 60.65 65.27Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas 31.75 31.78 33.57 59.61 60.79 64.66Kentucky 73.16 72.82 74.82 75.04 74.87 77.17Louisiana - - - - - -Maine - - - - - -Maryland 54.86 54.30 54.76 77.34 77.26 78.40Massachusetts 34.79 31.95 31.67 64.64 61.03 62.37Michigan 391.56 530.18 576.79 68.22 99.74 122.75Minnesota 100.82 104.66 103.38 66.54 69.85 72.19Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire - - - - - -New Jersey 203.46 220.30 224.39 66.38 71.17 73.57New Mexico - - - - - -New York 162.40 169.23 161.15 66.66 68.92 66.08North Carolina - - - - - -North Dakota 42.05 44.37 47.50 63.50 68.98 77.60Ohio - - - - - -Oklahoma - - - - - -Oregon 71.31 72.00 77.80 63.68 66.87 75.66Pennsylvania 55.75 59.87 60.93 69.95 73.47 73.99Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a 60.73 66.30 64.35Utah 29.84 29.10 30.59 69.57 68.49 72.48Vermont - - - - - -Virginia - - - - - -Washington 70.53 69.13 73.57 74.55 75.05 83.79West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 139.79 150.92 159.16 69.41 74.69 82.31CW w/o Texas 135.78 146.62 155.08 69.71 74.97 82.92

Table 15C


Pure Premium Loss Ratio

Voluntary Business



STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - 2,144.00 5,162.00California - - - - - -Colorado - - - - - -Connecticut 0.44 0.46 0.47 5,275.52 5,895.09 4,899.87Delaware 2.04 2.01 1.89 7,022.77 7,658.30 8,074.16District of Columbia 0.35 0.46 0.43 5,687.84 6,608.87 5,450.05Florida 2.61 2.58 2.74 7,196.43 6,566.39 7,222.14Georgia - - - - - -Hawaii 1.14 1.16 1.19 4,985.76 4,777.34 4,815.75Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas 0.79 0.83 0.90 4,029.63 3,816.28 3,730.20Kentucky 1.96 2.06 2.21 3,725.69 3,530.59 3,378.57Louisiana - - - - - -Maine - - - - - -Maryland 2.07 2.08 2.11 2,648.81 2,616.67 2,596.50Massachusetts 0.93 0.87 0.90 3,754.60 3,656.46 3,529.23Michigan 0.78 0.82 0.84 50,295.41 64,297.32 68,358.23Minnesota 1.14 1.20 1.16 8,843.37 8,719.53 8,946.39Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire - - - - - -New Jersey 1.47 1.65 1.65 13,825.45 13,384.69 13,563.82New Mexico - - - - - -New York 1.91 2.12 2.10 8,510.06 7,991.17 7,663.88North Carolina - - - - - -North Dakota 0.62 0.66 0.66 6,756.12 6,763.40 7,200.52Ohio - - - - - -Oklahoma - - - - - -Oregon 1.61 1.54 1.58 4,416.29 4,661.80 4,933.93Pennsylvania 1.49 1.59 1.63 3,747.71 3,777.02 3,731.88Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a n/a n/a n/aUtah 1.23 1.20 1.20 2,432.32 2,420.68 2,558.23Vermont - - - - - -Virginia - - - - - -Washington 1.51 1.43 1.46 4,671.30 4,824.05 5,042.08West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 1.66 1.70 1.75 8,444.79 8,859.41 9,109.38

CW w/o Texas 1.66 1.70 1.75 8,202.72 8,607.32 8,875.89

Table 15D





STATE 2014 2013 2012 2014 2013 2012Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California - - - - - -Colorado 0 0 0 0 0 0Connecticut 901 277 353 1 0 3Delaware 184 214 1,048 0 0 2District of Columbia 4,322 6,534 8,220 22 47 52Florida 1,208,990 2,760,293 2,475,086 744 1,768 1,677Georgia 0 0 0 0 0 0Hawaii 42,299 85,359 143,162 137 307 533Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 151,317 144,167 158,164 1,782 1,670 1,748Kentucky 129,821 91,543 22,927 301 199 38Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 6,213,263 6,326,107 6,983,624 40,820 41,454 45,161Massachusetts 11,842,713 14,692,165 15,669,227 69,509 92,197 105,669Michigan 10,744,902 9,171,908 1,292,023 5,440 5,351 734Minnesota 1,606 11,742 7,135 4 18 10Mississippi 0 0 0 0 0 0Missouri 0 0 0 0 0 0Montana 0 0 0 0 0 0Nebraska 0 0 0 0 0 0Nevada 0 0 0 0 0 0New Hampshire 0 0 0 0 0 0New Jersey 11,898,554 18,477,352 23,865,469 13,313 20,920 30,675New Mexico 0 0 0 0 0 0New York 39,437,545 49,059,446 60,311,378 44,978 52,972 70,661North Carolina 0 0 0 0 0 0North Dakota 1,319 1,353 833 5 2 1Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 63 -194 263 0 0 1Pennsylvania 949,533 939,713 1,070,216 6,949 6,995 8,121Rhode Island 0 0 0 0 0 0South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 48,167 53,265 69,844 n/a n/a n/aUtah 358 117 102 4 5 1Vermont 0 0 0 0 0 0Virginia 0 0 0 0 0 0Washington 0 0 0 0 0 0West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 82,675,857 101,821,361 112,079,074 184,009 223,905 265,087

CW w/o Texas 82,627,690 101,768,096 112,009,230 184,009 223,905 265,087

Table 16A





STATE 2014 2013 2012 2014 2013 2012Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California - - - - - -Colorado 0 0 0 0 0 0Connecticut 0 0 0 0 0 0Delaware 0 0 0 0 0 0District of Columbia 0 342 0 0 0 0Florida 3,549,853 5,760,976 8,560,997 399 624 1,072Georgia 0 0 0 0 0 0Hawaii 0 38,859 94,231 0 5 16Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 105,138 86,570 80,168 31 21 26Kentucky 333,160 130,726 25,875 38 17 3Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 6,228,604 6,127,468 6,724,646 2,491 2,505 2,795Massachusetts 8,785,561 11,425,072 14,285,950 2,220 2,921 3,601Michigan 4,510,562 10,437,347 1,193,385 132 123 14Minnesota 0 39,090 20,881 0 2 1Mississippi 0 0 0 0 0 0Missouri 0 0 0 0 0 0Montana 0 0 0 0 0 0Nebraska 0 0 0 0 0 0Nevada 0 0 0 0 0 0New Hampshire 0 0 0 0 0 0New Jersey 10,538,872 15,851,859 23,846,653 713 1,130 1,714New Mexico 0 0 0 0 0 0New York 33,715,022 40,976,038 49,205,250 2,076 2,769 3,868North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 0 0 0 0 0 0Pennsylvania 1,273,399 949,308 1,433,870 244 229 323Rhode Island 0 0 0 0 0 0South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 5,499 5,127 16,093 n/a n/a n/aUtah 0 0 0 0 0 0Vermont 0 0 0 0 0 0Virginia 0 0 0 0 0 0Washington 0 0 0 0 0 0West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 69,045,670 91,828,782 105,487,999 8,344 10,346 13,433

CW w/o Texas 69,040,171 91,823,655 105,471,906 8,344 10,346 13,433

Table 16B





STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut 0.00 - 0.00 0.00 0.00 0.00Delaware - - 0.00 0.00 0.00 0.00District of Columbia 0.00 7.28 0.00 0.00 5.23 0.00Florida 4,771.31 3,258.47 5,104.95 293.62 208.71 345.89Georgia - - - - - -Hawaii 0.00 126.58 176.79 0.00 45.52 65.82Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas 59.00 51.84 45.86 69.48 60.05 50.69Kentucky 1,106.84 656.91 680.92 256.63 142.80 112.86Louisiana - - - - - -Maine - - - - - -Maryland 152.59 147.81 148.90 100.25 96.86 96.29Massachusetts 126.39 123.92 135.20 74.19 77.76 91.17Michigan 829.15 1,950.54 1,625.87 41.98 113.80 92.37Minnesota 0.00 2,171.67 2,088.10 0.00 332.91 292.66Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire - - - - - -New Jersey 791.62 757.74 777.40 88.57 85.79 99.92New Mexico - - - - - -New York 749.59 773.54 696.36 85.49 83.52 81.59North Carolina - - - - - -North Dakota 0.00 0.00 0.00 0.00 0.00 0.00Ohio - - - - - -Oklahoma - - - - - -Oregon - - 0.00 0.00 0.00 0.00Pennsylvania 183.25 135.71 176.56 134.11 101.02 133.98Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a 11.42 9.63 23.04Utah 0.00 0.00 0.00 0.00 0.00 0.00Vermont - - - - - -Virginia - - - - - -Washington - - - - - -West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 375.23 410.12 397.94 83.51 90.19 94.12

CW w/o Texas 375.20 410.10 397.88 83.56 90.23 94.16

Table 16C





STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut 0.00 - 0.00 - - -Delaware - - 0.00 - - -District of Columbia 0.00 0.00 0.00 - - -Florida 53.63 35.29 63.92 8,896.87 9,232.33 7,986.00Georgia - - - - - -Hawaii 0.00 1.63 3.00 - 7,771.80 5,889.44Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas 1.74 1.26 1.49 3,391.55 4,122.38 3,083.38Kentucky 12.62 8.54 7.89 8,767.37 7,689.76 8,625.00Louisiana - - - - - -Maine - - - - - -Maryland 6.10 6.04 6.19 2,500.44 2,446.10 2,405.96Massachusetts 3.19 3.17 3.41 3,957.46 3,911.36 3,967.22Michigan 2.43 2.30 1.91 34,170.92 84,856.48 85,241.79Minnesota 0.00 11.11 10.00 - 19,545.00 20,881.00Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire - - - - - -New Jersey 5.36 5.40 5.59 14,781.03 14,028.19 13,912.87New Mexico - - - - - -New York 4.62 5.23 5.47 16,240.38 14,798.14 12,721.11North Carolina - - - - - -North Dakota 0.00 0.00 0.00 - - -Ohio - - - - - -Oklahoma - - - - - -Oregon - - 0.00 - - -Pennsylvania 3.51 3.27 3.98 5,218.85 4,145.45 4,439.23Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a n/a n/a n/aUtah 0.00 0.00 0.00 - - -Vermont - - - - - -Virginia - - - - - -Washington - - - - - -West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 4.53 4.62 5.07 8,274.89 8,875.78 7,852.90

CW w/o Texas 4.53 4.62 5.07 8,274.23 8,875.28 7,851.70

Table 16D





STATE 2014 2013 2012 2014 2013 2012Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California - - - - - -Colorado 0 0 0 0 0 0Connecticut 5,291,465 5,273,505 5,383,846 170,919 185,417 198,853Delaware 127,036,195 123,743,520 121,247,671 634,555 621,757 608,944District of Columbia 5,872,082 5,922,528 5,984,904 161,071 160,658 160,681Florida 3,010,901,286 3,216,610,304 3,041,026,888 12,121,655 11,774,000 11,527,019Georgia 0 0 0 0 0 0Hawaii 75,644,594 74,263,389 70,343,730 829,255 812,123 799,908Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 114,822,904 113,181,098 111,316,948 2,154,553 2,163,810 2,142,596Kentucky 299,474,698 295,056,939 291,423,700 3,070,650 3,032,908 3,005,411Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 289,289,829 283,186,457 278,940,889 4,031,202 3,980,344 3,938,792Massachusetts 234,347,642 227,244,337 218,645,136 4,203,847 4,152,047 4,103,118Michigan 3,204,911,131 2,951,213,620 2,569,337,448 5,570,805 5,540,372 5,465,781Minnesota 577,893,789 568,757,122 535,447,000 3,813,575 3,796,089 3,739,041Mississippi 0 0 0 0 0 0Missouri 0 0 0 0 0 0Montana 0 0 0 0 0 0Nebraska 0 0 0 0 0 0Nevada 0 0 0 0 0 0New Hampshire 0 0 0 0 0 0New Jersey 1,651,516,222 1,648,608,100 1,610,284,930 5,362,531 5,286,906 5,231,874New Mexico 0 0 0 0 0 0New York 2,306,483,699 2,316,706,559 2,291,843,090 9,350,303 9,288,140 9,220,452North Carolina 0 0 0 0 0 0North Dakota 36,390,284 34,659,607 31,782,410 549,533 538,810 519,213Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 296,638,609 284,349,660 269,914,247 2,649,035 2,640,691 2,624,961Pennsylvania 664,234,899 674,484,657 682,308,802 8,329,627 8,272,116 8,280,487Rhode Island 0 0 0 0 0 0South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 446,966,351 433,475,189 419,521,676 n/a n/a n/aUtah 73,879,519 72,427,377 70,691,100 1,722,434 1,704,506 1,675,230Vermont 0 0 0 0 0 0Virginia 0 0 0 0 0 0Washington 302,074,048 293,573,035 279,439,416 3,193,244 3,187,140 3,182,731West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 13,723,669,246 13,622,737,003 12,904,883,831 67,918,794 67,137,834 66,425,092

CW w/o Texas 13,276,702,895 13,189,261,814 12,485,362,155 67,918,794 67,137,834 66,425,092

Table 17A





STATE 2014 2013 2012 2014 2013 2012Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 2,144 5,162 0 1 1California - - - - - -Colorado 0 0 0 0 0 0Connecticut 3,951,362 5,016,722 4,600,975 749 851 939Delaware 91,008,134 95,851,280 93,103,110 12,959 12,516 11,531District of Columbia 3,219,317 4,838,033 3,793,237 566 732 696Florida 2,283,766,119 1,999,397,278 2,285,961,971 317,253 304,236 316,408Georgia 0 0 0 0 0 0Hawaii 47,005,765 45,027,084 45,911,295 9,428 9,422 9,530Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 68,463,803 68,806,331 71,953,623 16,995 18,028 19,294Kentucky 224,958,924 220,983,105 224,900,102 60,329 62,571 66,562Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 225,155,205 220,024,415 219,930,804 85,142 84,249 84,908Massachusetts 152,612,932 141,141,634 140,883,020 40,527 38,397 39,472Michigan 2,183,710,091 2,944,967,167 3,153,396,418 43,460 45,763 46,127Minnesota 384,500,786 397,326,935 386,576,654 43,479 45,565 43,209Mississippi 0 0 0 0 0 0Missouri 0 0 0 0 0 0Montana 0 0 0 0 0 0Nebraska 0 0 0 0 0 0Nevada 0 0 0 0 0 0New Hampshire 0 0 0 0 0 0New Jersey 1,098,906,137 1,175,942,878 1,190,958,731 79,435 87,803 87,760New Mexico 0 0 0 0 0 0New York 1,544,889,474 1,603,801,449 1,523,727,361 179,651 198,338 196,267North Carolina 0 0 0 0 0 0North Dakota 23,105,919 23,908,609 24,661,772 3,420 3,535 3,425Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 188,902,344 190,131,329 204,210,385 42,774 40,785 41,389Pennsylvania 465,236,304 495,772,341 505,453,654 124,043 131,238 135,381Rhode Island 0 0 0 0 0 0South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 271,409,187 287,356,882 269,916,883 n/a n/a n/aUtah 51,397,459 49,604,579 51,238,699 21,131 20,492 20,029Vermont 0 0 0 0 0 0Virginia 0 0 0 0 0 0Washington 225,208,101 220,338,376 234,154,037 48,211 45,675 46,440West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 9,537,407,363 10,190,238,571 10,635,337,893 1,129,552 1,150,197 1,169,368

CW w/o Texas 9,265,998,176 9,902,881,689 10,365,421,010 1,129,552 1,150,197 1,169,368

Table 17B





STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut 23.12 27.06 23.14 74.67 95.13 85.46Delaware 143.42 154.16 152.89 71.64 77.46 76.79District of Columbia 19.99 30.11 23.61 54.82 81.69 63.38Florida 188.40 169.81 198.31 75.85 62.16 75.17Georgia - - - - - -Hawaii 56.68 55.44 57.40 62.14 60.63 65.27Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas 31.78 31.80 33.58 59.63 60.79 64.64Kentucky 73.26 72.86 74.83 75.12 74.90 77.17Louisiana - - - - - -Maine - - - - - -Maryland 55.85 55.28 55.84 77.83 77.70 78.84Massachusetts 36.30 33.99 34.34 65.12 62.11 64.43Michigan 391.99 531.55 576.93 68.14 99.79 122.73Minnesota 100.82 104.67 103.39 66.53 69.86 72.20Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire - - - - - -New Jersey 204.92 222.43 227.64 66.54 71.33 73.96New Mexico - - - - - -New York 165.22 172.67 165.26 66.98 69.23 66.48North Carolina - - - - - -North Dakota 42.05 44.37 47.50 63.49 68.98 77.60Ohio - - - - - -Oklahoma - - - - - -Oregon 71.31 72.00 77.80 63.68 66.87 75.66Pennsylvania 55.85 59.93 61.04 70.04 73.50 74.08Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a 60.72 66.29 64.34Utah 29.84 29.10 30.59 69.57 68.49 72.48Vermont - - - - - -Virginia - - - - - -Washington 70.53 69.13 73.57 74.55 75.05 83.79West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 140.42 151.78 160.11 69.50 74.80 82.41

CW w/o Texas 136.43 147.50 156.05 69.79 75.08 83.02

Table 17C





STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska - - - - - -Arizona - - - - - -Arkansas - - - - 2,144.00 5,162.00California - - - - - -Colorado - - - - - -Connecticut 0.44 0.46 0.47 5,275.52 5,895.09 4,899.87Delaware 2.04 2.01 1.89 7,022.77 7,658.30 8,074.16District of Columbia 0.35 0.46 0.43 5,687.84 6,609.33 5,450.05Florida 2.62 2.58 2.74 7,198.56 6,571.86 7,224.73Georgia - - - - - -Hawaii 1.14 1.16 1.19 4,985.76 4,778.93 4,817.55Idaho - - - - - -Illinois - - - - - -Indiana - - - - - -Iowa - - - - - -Kansas 0.79 0.83 0.90 4,028.47 3,816.64 3,729.33Kentucky 1.96 2.06 2.21 3,728.87 3,531.72 3,378.81Louisiana - - - - - -Maine - - - - - -Maryland 2.11 2.12 2.16 2,644.47 2,611.60 2,590.22Massachusetts 0.96 0.92 0.96 3,765.71 3,675.85 3,569.19Michigan 0.78 0.83 0.84 50,246.44 64,352.58 68,363.35Minnesota 1.14 1.20 1.16 8,843.37 8,720.00 8,946.67Mississippi - - - - - -Missouri - - - - - -Montana - - - - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire - - - - - -New Jersey 1.48 1.66 1.68 13,834.03 13,392.97 13,570.63New Mexico - - - - - -New York 1.92 2.14 2.13 8,599.39 8,086.20 7,763.54North Carolina - - - - - -North Dakota 0.62 0.66 0.66 6,756.12 6,763.40 7,200.52Ohio - - - - - -Oklahoma - - - - - -Oregon 1.61 1.54 1.58 4,416.29 4,661.80 4,933.93Pennsylvania 1.49 1.59 1.63 3,750.61 3,777.66 3,733.56Rhode Island - - - - - -South Carolina - - - - - -South Dakota - - - - - -Tennessee - - - - - -Texas n/a n/a n/a n/a n/a n/aUtah 1.23 1.20 1.20 2,432.32 2,420.68 2,558.23Vermont - - - - - -Virginia - - - - - -Washington 1.51 1.43 1.46 4,671.30 4,824.05 5,042.08West Virginia - - - - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 1.66 1.71 1.76 8,443.53 8,859.56 9,094.95

CW w/o Texas 1.66 1.71 1.76 8,203.25 8,609.73 8,864.12

Table 17D




Medical Payments


Medical Payments Medical payments (MedPay) coverage pays medical and funeral expenses that the vehicle owner and any passengers or pedestrians incur as a result of an auto accident. Benefits are paid without regard to fault.

MedPay is the principal auto injury coverage in those states with traditional tort liability laws. MedPay may be required or optional, depending on state law.

Medical Payments State-Specific Information and Technical Notes

Voluntary Market Business and Residual Market Business Medical Payments—Earned Premiums

Massachusetts—Massachusetts Commonwealth Automobile Reinsurers (M-CAR) collects bodily injury liability, uninsured motorists, and medical payments data as a total premium. Due to the competitive nature of the rates in Massachusetts, it is not possible to project these values. Therefore, the bodily injury liability portion of this report includes both uninsured motorist and medical payment premiums. For this reason, there is a Countrywide without Texas and Massachusetts total line in the tables that does not include earned exposures and the earned premiums are indicated by “n/a”.

Medical Payments Calculations—Loss Experience Results

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

Medical Payments Required Limits

Maine—Compulsory medical payments coverage with $2,000 per person minimum limits.

Medical Payments Loss Development

Incurred losses are developed to 39 months.



STATE 2014 2013 2012 2014 2013 2012Alabama 68,157,474 66,879,610 66,939,794 2,648,199 2,648,865 2,630,662Alaska 18,502,930 19,091,392 19,493,612 319,148 320,624 321,983Arizona 74,491,518 70,310,424 66,556,515 1,491,595 1,476,977 1,442,595Arkansas 39,205,476 37,479,313 36,400,645 898,682 891,387 885,731California 452,780,413 433,894,023 418,807,687 10,948,205 10,939,980 10,875,974Colorado 167,423,582 157,059,897 142,645,376 2,799,902 2,800,827 2,761,472Connecticut 32,742,702 32,847,619 32,268,129 675,229 679,059 680,124Delaware 25,988 27,501 29,939 12,347 12,988 14,168District of Columbia 144,563 145,543 144,129 10,833 10,533 10,271Florida 119,168,850 121,222,268 121,618,605 3,053,716 3,113,506 3,197,476Georgia 175,157,306 168,352,927 162,907,144 2,789,565 2,797,409 2,802,683Hawaii 66,927 65,153 64,188 17,627 17,417 17,360Idaho 28,131,940 28,440,490 28,464,115 840,980 847,386 839,504Illinois 201,845,214 194,410,568 192,421,517 5,946,502 6,013,858 6,010,620Indiana 135,594,027 133,159,447 131,768,345 4,010,331 3,891,060 3,797,732Iowa 49,340,594 49,186,506 49,550,287 2,213,332 2,210,449 2,194,646Kansas 2,562,484 2,334,392 2,107,779 251,678 252,868 250,316Kentucky 2,900,648 3,016,989 3,038,485 610,474 619,958 634,319Louisiana 60,095,348 58,674,567 59,677,397 1,447,873 1,440,785 1,442,804Maine 21,983,076 20,482,487 19,719,725 870,117 853,188 851,608Maryland 11,862,231 12,057,430 12,022,392 445,425 452,565 462,018Massachusetts n/a n/a n/a 1,494,794 1,473,780 1,449,818Michigan 86,505 79,980 66,634 14,447 18,268 23,297Minnesota 187,069 79,635 19,693 2,849 1,818 1,547Mississippi 43,417,355 43,673,555 44,006,611 1,388,009 1,382,556 1,368,636Missouri 80,015,606 81,358,755 82,207,806 2,545,897 2,565,728 2,562,671Montana 22,477,732 22,872,814 23,187,445 436,996 448,668 457,255Nebraska 37,363,230 36,807,196 36,842,680 1,351,258 1,351,345 1,339,490Nevada 50,744,512 49,942,791 49,832,961 731,573 735,340 738,576New Hampshire 26,663,859 26,401,647 26,187,844 884,313 861,975 849,088New Jersey 1,878,800 1,886,405 1,920,739 1,512,193 1,528,924 1,571,689New Mexico 26,629,458 25,987,155 25,408,942 760,824 774,289 777,398New York 20,707,062 22,325,626 23,672,143 4,292,294 4,362,559 4,423,741North Carolina 125,939,493 130,010,388 135,928,020 4,821,901 4,953,809 5,070,339North Dakota 2,687 2,336 2,136 301 294 282Ohio 187,784,502 181,217,507 178,871,972 6,793,688 6,803,036 6,831,107Oklahoma 56,676,035 56,820,371 57,042,659 1,193,642 1,198,037 1,195,456Oregon 1,082,578 990,533 911,657 112,683 106,576 100,882Pennsylvania 217,244 236,203 241,227 11,845 11,722 11,172Rhode Island 15,631,284 14,512,999 13,837,873 577,071 580,269 581,992South Carolina 23,885,668 23,086,724 22,354,532 789,417 782,767 778,256South Dakota 15,501,809 15,186,561 14,961,702 590,201 585,708 572,382Tennessee 93,328,706 92,412,262 90,559,242 3,573,767 3,552,893 3,531,432Texas 46,767,398 46,437,201 46,088,153 n/a n/a n/aUtah 331,785 279,509 236,156 21,389 20,481 20,525Vermont 7,449,146 7,494,925 7,532,827 343,963 339,032 338,652Virginia 162,366,803 157,049,008 156,789,479 3,643,937 3,686,687 3,720,390Washington 8,633,627 7,540,641 5,799,823 149,166 144,761 132,338West Virginia 42,502,405 43,458,460 44,370,629 943,929 951,939 965,595Wisconsin 106,833,151 101,514,605 100,274,752 3,526,172 3,556,811 3,509,510Wyoming 15,557,907 15,563,332 16,251,899 370,747 373,405 373,225Countrywide 2,882,846,707 2,814,367,670 2,772,054,041 85,181,026 85,445,166 85,420,807

CW w/o TX and MA 2,836,079,309 2,767,930,469 2,725,965,888 83,686,232 83,971,386 83,970,989

Table 18A

Medical Payments 2012-2014




STATE 2014 2013 2012 2014 2013 2012Alabama 46,562,431 46,311,328 46,694,001 17,423 17,120 16,933Alaska 14,179,638 15,213,242 15,693,691 2,505 2,790 3,014Arizona 51,558,412 54,785,415 55,638,406 13,911 14,591 14,887Arkansas 32,536,754 33,371,767 32,945,397 8,210 8,137 8,307California 279,720,404 297,746,212 305,054,446 95,597 103,036 106,097Colorado 129,646,809 129,624,081 122,167,386 29,262 30,091 29,124Connecticut 25,837,055 27,368,814 28,222,911 7,334 7,873 8,191Delaware 45,793 23,677 38,432 9 4 7District of Columbia 41,522 134,627 279,877 24 32 36Florida 96,875,845 87,901,454 90,380,839 38,879 36,530 37,008Georgia 140,710,780 144,206,966 145,091,683 36,553 37,159 37,141Hawaii 163,253 50,977 99,412 27 15 21Idaho 21,177,822 20,842,839 19,717,214 7,291 7,616 7,232Illinois 152,405,183 149,759,720 148,607,889 39,928 40,579 40,702Indiana 112,598,340 108,148,985 108,952,366 27,994 28,156 28,679Iowa 34,527,648 33,639,257 32,955,442 11,027 11,084 10,693Kansas 1,857,846 2,122,982 2,099,530 590 679 726Kentucky 1,807,985 1,803,032 2,031,664 2,739 3,070 3,434Louisiana 48,482,720 49,996,058 49,063,751 13,731 13,751 13,706Maine 17,109,053 16,124,325 17,102,669 6,103 6,140 6,408Maryland 9,266,863 10,564,067 10,551,271 2,920 3,163 3,421Massachusetts 21,669,667 21,475,843 21,573,765 4,861 4,931 4,856Michigan 86,045 339,819 366,857 9 37 14Minnesota 89,281 57,461 82,812 11 5 11Mississippi 33,964,336 32,738,372 32,346,925 11,779 11,377 11,373Missouri 52,805,657 53,102,296 54,311,242 16,728 17,286 17,810Montana 15,439,879 14,721,441 16,847,648 3,586 3,729 4,059Nebraska 30,018,979 29,875,905 28,863,550 8,113 8,133 7,837Nevada 36,453,527 39,669,799 42,542,338 9,170 9,882 9,850New Hampshire 18,263,900 19,350,589 19,358,665 6,063 6,407 6,610New Jersey 1,225,457 1,306,763 1,133,692 321 361 376New Mexico 19,380,869 20,067,078 18,211,920 6,390 6,593 6,385New York 13,353,272 11,969,379 11,695,943 1,264 1,349 1,380North Carolina 99,993,885 104,868,903 109,769,767 50,666 55,121 58,875North Dakota 0 0 0 0 0 0Ohio 147,734,743 142,594,670 146,238,539 46,090 46,203 47,256Oklahoma 37,025,051 36,448,070 40,241,411 10,250 9,927 10,878Oregon 977,205 1,242,833 1,081,967 169 184 161Pennsylvania 26,009 558,461 236,447 9 24 31Rhode Island 15,243,196 14,537,474 13,709,631 6,325 6,129 5,811South Carolina 20,142,881 20,806,134 19,864,978 8,955 8,936 8,790South Dakota 10,940,064 11,090,274 10,583,962 3,178 3,508 3,479Tennessee 64,511,552 65,765,867 68,305,482 20,871 21,557 22,033Texas 32,526,589 31,938,774 30,309,741 n/a n/a n/aUtah 569,974 352,747 338,999 81 79 85Vermont 6,057,194 6,183,946 5,793,120 1,955 1,985 2,002Virginia 108,333,009 119,781,233 126,025,625 27,650 29,083 30,807Washington 11,388,268 11,101,782 9,817,182 1,945 1,752 1,638West Virginia 28,310,981 28,639,989 32,293,505 7,804 8,307 9,384Wisconsin 79,942,774 82,315,443 83,649,299 20,800 21,802 21,211Wyoming 11,149,236 10,211,565 12,385,646 2,181 2,267 2,205Countrywide 2,134,735,636 2,162,852,735 2,191,368,935 639,281 658,570 670,974

CW w/o TX and MA 2,080,539,380 2,109,438,118 2,139,485,429 634,420 653,639 666,118

Table 18B





STATE 2014 2013 2012 2014 2013 2012Alabama 17.58 17.48 17.75 68.32 69.25 69.76Alaska 44.43 47.45 48.74 76.63 79.69 80.51Arizona 34.57 37.09 38.57 69.21 77.92 83.60Arkansas 36.20 37.44 37.20 82.99 89.04 90.51California 25.55 27.22 28.05 61.78 68.62 72.84Colorado 46.30 46.28 44.24 77.44 82.53 85.64Connecticut 38.26 40.30 41.50 78.91 83.32 87.46Delaware 3.71 1.82 2.71 176.21 86.10 128.37District of Columbia 3.83 12.78 27.25 28.72 92.50 194.19Florida 31.72 28.23 28.27 81.29 72.51 74.31Georgia 50.44 51.55 51.77 80.33 85.66 89.06Hawaii 9.26 2.93 5.73 243.93 78.24 154.88Idaho 25.18 24.60 23.49 75.28 73.29 69.27Illinois 25.63 24.90 24.72 75.51 77.03 77.23Indiana 28.08 27.79 28.69 83.04 81.22 82.68Iowa 15.60 15.22 15.02 69.98 68.39 66.51Kansas 7.38 8.40 8.39 72.50 90.94 99.61Kentucky 2.96 2.91 3.20 62.33 59.76 66.86Louisiana 33.49 34.70 34.01 80.68 85.21 82.21Maine 19.66 18.90 20.08 77.83 78.72 86.73Maryland 20.80 23.34 22.84 78.12 87.61 87.76Massachusetts 14.50 14.57 14.88 n/a n/a n/aMichigan 5.96 18.60 15.75 99.47 424.88 550.56Minnesota 31.34 31.61 53.53 47.73 72.16 420.51Mississippi 24.47 23.68 23.63 78.23 74.96 73.50Missouri 20.74 20.70 21.19 65.99 65.27 66.07Montana 35.33 32.81 36.85 68.69 64.36 72.66Nebraska 22.22 22.11 21.55 80.34 81.17 78.34Nevada 49.83 53.95 57.60 71.84 79.43 85.37New Hampshire 20.65 22.45 22.80 68.50 73.29 73.92New Jersey 0.81 0.85 0.72 65.23 69.27 59.02New Mexico 25.47 25.92 23.43 72.78 77.22 71.68New York 3.11 2.74 2.64 64.49 53.61 49.41North Carolina 20.74 21.17 21.65 79.40 80.66 80.76North Dakota 0.00 0.00 0.00 0.00 0.00 0.00Ohio 21.75 20.96 21.41 78.67 78.69 81.76Oklahoma 31.02 30.42 33.66 65.33 64.15 70.55Oregon 8.67 11.66 10.73 90.27 125.47 118.68Pennsylvania 2.20 47.64 21.16 11.97 236.43 98.02Rhode Island 26.41 25.05 23.56 97.52 100.17 99.07South Carolina 25.52 26.58 25.52 84.33 90.12 88.86South Dakota 18.54 18.93 18.49 70.57 73.03 70.74Tennessee 18.05 18.51 19.34 69.12 71.17 75.43Texas n/a n/a n/a 69.55 68.78 65.76Utah 26.65 17.22 16.52 171.79 126.20 143.55Vermont 17.61 18.24 17.11 81.31 82.51 76.90Virginia 29.73 32.49 33.87 66.72 76.27 80.38Washington 76.35 76.69 74.18 131.91 147.23 169.27West Virginia 29.99 30.09 33.44 66.61 65.90 72.78Wisconsin 22.67 23.14 23.84 74.83 81.09 83.42Wyoming 30.07 27.35 33.19 71.66 65.61 76.21Countrywide 25.06 25.31 25.65 74.05 76.85 79.05

CW w/o TX and MA 24.86 25.12 25.48 73.36 76.21 78.49

Table 18C





STATE 2014 2013 2012 2014 2013 2012Alabama 0.66 0.65 0.64 2,672.47 2,705.10 2,757.57Alaska 0.78 0.87 0.94 5,660.53 5,452.77 5,206.93Arizona 0.93 0.99 1.03 3,706.31 3,754.74 3,737.38Arkansas 0.91 0.91 0.94 3,963.06 4,101.24 3,965.98California 0.87 0.94 0.98 2,926.04 2,889.73 2,875.24Colorado 1.05 1.07 1.05 4,430.55 4,307.74 4,194.73Connecticut 1.09 1.16 1.20 3,522.91 3,476.29 3,445.60Delaware 0.07 0.03 0.05 5,088.11 5,919.25 5,490.29District of Columbia 0.22 0.30 0.35 1,730.08 4,207.09 7,774.36Florida 1.27 1.17 1.16 2,491.73 2,406.28 2,442.20Georgia 1.31 1.33 1.33 3,849.50 3,880.81 3,906.51Hawaii 0.15 0.09 0.12 6,046.41 3,398.47 4,733.90Idaho 0.87 0.90 0.86 2,904.65 2,736.72 2,726.38Illinois 0.67 0.67 0.68 3,817.00 3,690.57 3,651.12Indiana 0.70 0.72 0.76 4,022.23 3,841.06 3,799.03Iowa 0.50 0.50 0.49 3,131.19 3,034.94 3,081.96Kansas 0.23 0.27 0.29 3,148.89 3,126.63 2,891.91Kentucky 0.45 0.50 0.54 660.09 587.31 591.63Louisiana 0.95 0.95 0.95 3,530.90 3,635.81 3,579.73Maine 0.70 0.72 0.75 2,803.38 2,626.11 2,668.96Maryland 0.66 0.70 0.74 3,173.58 3,339.89 3,084.27Massachusetts 0.33 0.33 0.33 4,457.86 4,355.27 4,442.70Michigan 0.06 0.20 0.06 9,560.56 9,184.30 26,204.07Minnesota 0.39 0.28 0.71 8,116.45 11,492.20 7,528.36Mississippi 0.85 0.82 0.83 2,883.47 2,877.59 2,844.19Missouri 0.66 0.67 0.69 3,156.72 3,071.98 3,049.48Montana 0.82 0.83 0.89 4,305.60 3,947.83 4,150.69Nebraska 0.60 0.60 0.59 3,700.11 3,673.42 3,682.98Nevada 1.25 1.34 1.33 3,975.30 4,014.35 4,319.02New Hampshire 0.69 0.74 0.78 3,012.35 3,020.23 2,928.69New Jersey 0.02 0.02 0.02 3,817.62 3,619.84 3,015.14New Mexico 0.84 0.85 0.82 3,033.00 3,043.69 2,852.30New York 0.03 0.03 0.03 10,564.30 8,872.78 8,475.32North Carolina 1.05 1.11 1.16 1,973.59 1,902.52 1,864.45North Dakota 0.00 0.00 0.00 - - -Ohio 0.68 0.68 0.69 3,205.35 3,086.26 3,094.60Oklahoma 0.86 0.83 0.91 3,612.20 3,671.61 3,699.34Oregon 0.15 0.17 0.16 5,782.28 6,754.53 6,720.29Pennsylvania 0.08 0.20 0.28 2,889.89 23,269.21 7,627.32Rhode Island 1.10 1.06 1.00 2,409.99 2,371.92 2,359.26South Carolina 1.13 1.14 1.13 2,249.34 2,328.35 2,259.95South Dakota 0.54 0.60 0.61 3,442.44 3,161.42 3,042.24Tennessee 0.58 0.61 0.62 3,090.97 3,050.79 3,100.14Texas n/a n/a n/a n/a n/a n/aUtah 0.38 0.39 0.41 7,036.72 4,465.15 3,988.22Vermont 0.57 0.59 0.59 3,098.31 3,115.34 2,893.67Virginia 0.76 0.79 0.83 3,918.01 4,118.60 4,090.81Washington 1.30 1.21 1.24 5,855.15 6,336.63 5,993.40West Virginia 0.83 0.87 0.97 3,627.75 3,447.69 3,441.34Wisconsin 0.59 0.61 0.60 3,843.40 3,775.59 3,943.68Wyoming 0.59 0.61 0.59 5,111.98 4,504.44 5,617.07Countrywide 0.75 0.77 0.79 3,339.28 3,284.17 3,265.95

CW w/o TX and MA 0.76 0.78 0.79 3,279.44 3,227.22 3,211.87

Table 18D





STATE 2014 2013 2012 2014 2013 2012Alabama 84 12 0 1 0 0Alaska 347 212 517 5 2 5Arizona 0 0 0 0 0 0Arkansas 79 5 37 1 0 1California 5,803 6,502 6,042 89 111 106Colorado 0 0 0 0 0 0Connecticut 0 0 0 0 0 0Delaware 0 0 0 0 0 0District of Columbia 208 208 208 2 2 2Florida -442 310 666 -4 2 8Georgia 0 0 0 0 0 0Hawaii 0 0 0 0 0 0Idaho 38 3 38 1 0 2Illinois 15,624 21,563 28,084 234 354 465Indiana 209 194 74 4 4 2Iowa 562 609 562 8 12 15Kansas 1,470 1,266 1,350 231 184 187Kentucky 1 28 0 0 0 0Louisiana 0 0 8 0 0 0Maine 599 745 1,109 8 10 15Maryland 0 0 0 0 0 0Massachusetts n/a n/a n/a 15,771 18,996 21,687Michigan 0 0 0 0 0 0Minnesota 0 0 0 0 0 0Mississippi 293 232 378 3 6 6Missouri -10 248 418 -1 5 7Montana 223 593 1,930 6 14 50Nebraska 9 108 72 0 1 1Nevada 0 0 0 0 0 0New Hampshire 8,233 8,844 10,785 104 106 132New Jersey 4,177 7,198 11,854 4,558 7,850 12,638New Mexico 33 25 40 1 0 1New York 36,812 46,050 64,289 39,733 46,399 59,671North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 0 31 33 0 1 1Oregon 0 0 0 0 0 0Pennsylvania 0 0 0 0 0 0Rhode Island 52,014 39,627 31,329 1,311 1,034 830South Carolina 0 0 0 0 0 0South Dakota 70 0 0 0 0 0Tennessee 117 188 234 1 1 3Texas 0 0 0 n/a n/a n/aUtah 0 0 0 0 0 0Vermont 1,606 2,909 5,360 29 43 75Virginia 12,644 17,642 25,033 74 104 139Washington 0 0 0 0 0 0West Virginia 310 716 735 3 7 7Wisconsin 63 18 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 141,176 156,086 191,185 62,173 75,248 96,056

CW w/o TX and MA 141,176 156,086 191,185 46,402 56,252 74,369

Table 19A





.

STATE 2014 2013 2012 2014 2013 2012Alabama 1,040 0 0 1 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California 1,028 1,000 2,000 1 1 2Colorado 0 0 0 0 0 0Connecticut 0 0 0 0 0 0Delaware 0 0 0 0 0 0District of Columbia 0 0 0 0 0 0Florida 0 0 0 0 0 0Georgia 0 0 0 0 0 0Hawaii 0 0 0 0 0 0Idaho 0 0 0 0 0 0Illinois 5,529 12,191 50,142 2 4 13Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 1,815 0 2,254 1 0 1Kentucky 0 0 0 0 0 0Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 0 0 0 0 0 0Massachusetts 557,739 700,310 911,716 129 168 217Michigan 0 0 0 0 0 0Minnesota 0 0 0 0 0 0Mississippi 0 0 0 0 0 0Missouri 0 0 0 0 0 0Montana 0 0 1,065 0 0 1Nebraska 0 6,089 0 0 2 0Nevada 0 0 0 0 0 0New Hampshire 1,127 0 1,115 1 0 1New Jersey 33,477 30,764 52,210 4 4 9New Mexico 0 0 0 0 0 0New York 70,834 137,251 185,383 18 28 59North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 0 0 0 0 0 0Pennsylvania 0 0 0 0 0 0Rhode Island 94,586 89,011 77,109 46 45 20South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 0 0 0 n/a n/a n/aUtah 0 0 0 0 0 0Vermont 0 0 4,376 0 0 2Virginia 0 5,082 18,238 0 3 6Washington 0 0 0 0 0 0West Virginia 0 0 5 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 767,175 981,698 1,305,613 203 255 331

CW w/o TX and MA 209,436 281,388 393,897 74 87 114

Table 19B





STATE 2014 2013 2012 2014 2013 2012Alabama 1,040.00 - - 1,238.10 0.00 -Alaska 0.00 0.00 0.00 0.00 0.00 0.00Arizona - - - - - -Arkansas 0.00 - 0.00 0.00 0.00 0.00California 11.55 9.01 18.87 17.71 15.38 33.10Colorado - - - - - -Connecticut - - - - - -Delaware - - - - - -District of Columbia 0.00 0.00 0.00 0.00 0.00 0.00Florida 0.00 0.00 0.00 0.00 0.00 0.00Georgia - - - - - -Hawaii - - - - - -Idaho 0.00 - 0.00 0.00 0.00 0.00Illinois 23.63 34.44 107.83 35.39 56.54 178.54Indiana 0.00 0.00 0.00 0.00 0.00 0.00Iowa 0.00 0.00 0.00 0.00 0.00 0.00Kansas 7.86 0.00 12.05 123.47 0.00 166.96Kentucky - - - 0.00 0.00 -Louisiana - - - - - 0.00Maine 0.00 0.00 0.00 0.00 0.00 0.00Maryland - - - - - -Massachusetts 35.36 36.87 42.04 n/a n/a n/aMichigan - - - - - -Minnesota - - - - - -Mississippi 0.00 0.00 0.00 0.00 0.00 0.00Missouri 0.00 0.00 0.00 0.00 0.00 0.00Montana 0.00 0.00 21.30 0.00 0.00 55.18Nebraska - 6,089.00 0.00 0.00 5,637.96 0.00Nevada - - - - - -New Hampshire 10.84 0.00 8.45 13.69 0.00 10.34New Jersey 7.34 3.92 4.13 801.46 427.40 440.44New Mexico 0.00 - 0.00 0.00 0.00 0.00New York 1.78 2.96 3.11 192.42 298.05 288.36North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma - 0.00 0.00 - 0.00 0.00Oregon - - - - - -Pennsylvania - - - - - -Rhode Island 72.15 86.08 92.90 181.85 224.62 246.13South Carolina - - - - - -South Dakota - - - 0.00 - -Tennessee 0.00 0.00 0.00 0.00 0.00 0.00Texas n/a n/a n/a - - -Utah - - - - - -Vermont 0.00 0.00 58.35 0.00 0.00 81.64Virginia 0.00 48.87 131.21 0.00 28.81 72.86Washington - - - - - -West Virginia 0.00 0.00 0.71 0.00 0.00 0.68Wisconsin - - - 0.00 0.00 -Wyoming - - - - - -Countrywide 12.34 13.05 13.59 543.42 628.95 682.91

CW w/o TX and MA 4.51 5.00 5.30 148.35 180.28 206.03

Table 19C





STATE 2014 2013 2012 2014 2013 2012Alabama 100.00 - - 1,040.00 - -Alaska 0.00 0.00 0.00 - - -Arizona - - - - - -Arkansas 0.00 - 0.00 - - -California 1.12 0.90 1.89 1,028.00 1,000.00 1,000.00Colorado - - - - - -Connecticut - - - - - -Delaware - - - - - -District of Columbia 0.00 0.00 0.00 - - -Florida 0.00 0.00 0.00 - - -Georgia - - - - - -Hawaii - - - - - -Idaho 0.00 - 0.00 - - -Illinois 0.85 1.13 2.80 2,764.50 3,047.75 3,857.08Indiana 0.00 0.00 0.00 - - -Iowa 0.00 0.00 0.00 - - -Kansas 0.43 0.00 0.53 1,815.00 - 2,254.00Kentucky - - - - - -Louisiana - - - - - -Maine 0.00 0.00 0.00 - - -Maryland - - - - - -Massachusetts 0.82 0.88 1.00 4,323.56 4,168.51 4,201.46Michigan - - - - - -Minnesota - - - - - -Mississippi 0.00 0.00 0.00 - - -Missouri 0.00 0.00 0.00 - - -Montana 0.00 0.00 2.00 - - 1,065.00Nebraska - 200.00 0.00 - 3,044.50 -Nevada - - - - - -New Hampshire 0.96 0.00 0.76 1,127.00 - 1,115.00New Jersey 0.09 0.05 0.07 8,369.25 7,691.00 5,801.11New Mexico 0.00 - 0.00 - - -New York 0.05 0.06 0.10 3,935.22 4,901.82 3,142.08North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma - 0.00 0.00 - - -Oregon - - - - - -Pennsylvania - - - - - -Rhode Island 3.51 4.35 2.41 2,056.22 1,978.02 3,855.45South Carolina - - - - - -South Dakota - - - - - -Tennessee 0.00 0.00 0.00 - - -Texas n/a n/a n/a n/a n/a n/aUtah - - - - - -Vermont 0.00 0.00 2.67 - - 2,188.00Virginia 0.00 2.88 4.32 - 1,694.00 3,039.67Washington - - - - - -West Virginia 0.00 0.00 0.00 - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 0.33 0.34 0.34 3,779.19 3,849.80 3,944.45

CW w/o TX and MA 0.16 0.15 0.15 2,830.22 3,234.34 3,455.24

Table 19D





STATE 2014 2013 2012 2014 2013 2012Alabama 68,157,558 66,879,622 66,939,794 2,648,200 2,648,865 2,630,662Alaska 18,503,277 19,091,604 19,494,129 319,153 320,626 321,988Arizona 74,491,518 70,310,424 66,556,515 1,491,595 1,476,977 1,442,595Arkansas 39,205,555 37,479,318 36,400,682 898,683 891,387 885,732California 452,786,216 433,900,525 418,813,729 10,948,294 10,940,091 10,876,080Colorado 167,423,582 157,059,897 142,645,376 2,799,902 2,800,827 2,761,472Connecticut 32,742,702 32,847,619 32,268,129 675,229 679,059 680,124Delaware 25,988 27,501 29,939 12,347 12,988 14,168District of Columbia 144,771 145,751 144,337 10,835 10,535 10,273Florida 119,168,408 121,222,578 121,619,271 3,053,712 3,113,508 3,197,484Georgia 175,157,306 168,352,927 162,907,144 2,789,565 2,797,409 2,802,683Hawaii 66,927 65,153 64,188 17,627 17,417 17,360Idaho 28,131,978 28,440,493 28,464,153 840,981 847,386 839,506Illinois 201,860,838 194,432,131 192,449,601 5,946,736 6,014,212 6,011,085Indiana 135,594,236 133,159,641 131,768,419 4,010,335 3,891,064 3,797,734Iowa 49,341,156 49,187,115 49,550,849 2,213,340 2,210,461 2,194,661Kansas 2,563,954 2,335,658 2,109,129 251,909 253,052 250,503Kentucky 2,900,649 3,017,017 3,038,485 610,474 619,958 634,319Louisiana 60,095,348 58,674,567 59,677,405 1,447,873 1,440,785 1,442,804Maine 21,983,675 20,483,232 19,720,834 870,125 853,198 851,623Maryland 11,862,231 12,057,430 12,022,392 445,425 452,565 462,018Massachusetts n/a n/a n/a 1,510,565 1,492,776 1,471,505Michigan 86,505 79,980 66,634 14,447 18,268 23,297Minnesota 187,069 79,635 19,693 2,849 1,818 1,547Mississippi 43,417,648 43,673,787 44,006,989 1,388,012 1,382,562 1,368,642Missouri 80,015,596 81,359,003 82,208,224 2,545,896 2,565,733 2,562,678Montana 22,477,955 22,873,407 23,189,375 437,002 448,682 457,305Nebraska 37,363,239 36,807,304 36,842,752 1,351,258 1,351,346 1,339,491Nevada 50,744,512 49,942,791 49,832,961 731,573 735,340 738,576New Hampshire 26,672,092 26,410,491 26,198,629 884,417 862,081 849,220New Jersey 1,882,977 1,893,603 1,932,593 1,516,751 1,536,774 1,584,327New Mexico 26,629,491 25,987,180 25,408,982 760,825 774,289 777,399New York 20,743,874 22,371,676 23,736,432 4,332,027 4,408,958 4,483,412North Carolina 125,939,493 130,010,388 135,928,020 4,821,901 4,953,809 5,070,339North Dakota 2,687 2,336 2,136 301 294 282Ohio 187,784,502 181,217,507 178,871,972 6,793,688 6,803,036 6,831,107Oklahoma 56,676,035 56,820,402 57,042,692 1,193,642 1,198,038 1,195,457Oregon 1,082,578 990,533 911,657 112,683 106,576 100,882Pennsylvania 217,244 236,203 241,227 11,845 11,722 11,172Rhode Island 15,683,298 14,552,626 13,869,202 578,382 581,303 582,822South Carolina 23,885,668 23,086,724 22,354,532 789,417 782,767 778,256South Dakota 15,501,879 15,186,561 14,961,702 590,201 585,708 572,382Tennessee 93,328,823 92,412,450 90,559,476 3,573,768 3,552,894 3,531,435Texas 46,767,398 46,437,201 46,088,153 n/a n/a n/aUtah 331,785 279,509 236,156 21,389 20,481 20,525Vermont 7,450,752 7,497,834 7,538,187 343,992 339,075 338,727Virginia 162,379,447 157,066,650 156,814,512 3,644,011 3,686,791 3,720,529Washington 8,633,627 7,540,641 5,799,823 149,166 144,761 132,338West Virginia 42,502,715 43,459,176 44,371,364 943,932 951,946 965,602Wisconsin 106,833,214 101,514,623 100,274,752 3,526,172 3,556,811 3,509,510Wyoming 15,557,907 15,563,332 16,251,899 370,747 373,405 373,225Countrywide 2,882,987,883 2,814,523,756 2,772,245,226 85,243,199 85,520,414 85,516,863

CW w/o TX and MA 2,836,220,485 2,768,086,555 2,726,157,073 83,732,634 84,027,638 84,045,358

Table 20A





STATE 2014 2013 2012 2014 2013 2012Alabama 46,563,471 46,311,328 46,694,001 17,424 17,120 16,933Alaska 14,179,638 15,213,242 15,693,691 2,505 2,790 3,014Arizona 51,558,412 54,785,415 55,638,406 13,911 14,591 14,887Arkansas 32,536,754 33,371,767 32,945,397 8,210 8,137 8,307California 279,721,432 297,747,212 305,056,446 95,598 103,037 106,099Colorado 129,646,809 129,624,081 122,167,386 29,262 30,091 29,124Connecticut 25,837,055 27,368,814 28,222,911 7,334 7,873 8,191Delaware 45,793 23,677 38,432 9 4 7District of Columbia 41,522 134,627 279,877 24 32 36Florida 96,875,845 87,901,454 90,380,839 38,879 36,530 37,008Georgia 140,710,780 144,206,966 145,091,683 36,553 37,159 37,141Hawaii 163,253 50,977 99,412 27 15 21Idaho 21,177,822 20,842,839 19,717,214 7,291 7,616 7,232Illinois 152,410,712 149,771,911 148,658,031 39,930 40,583 40,715Indiana 112,598,340 108,148,985 108,952,366 27,994 28,156 28,679Iowa 34,527,648 33,639,257 32,955,442 11,027 11,084 10,693Kansas 1,859,661 2,122,982 2,101,784 591 679 727Kentucky 1,807,985 1,803,032 2,031,664 2,739 3,070 3,434Louisiana 48,482,720 49,996,058 49,063,751 13,731 13,751 13,706Maine 17,109,053 16,124,325 17,102,669 6,103 6,140 6,408Maryland 9,266,863 10,564,067 10,551,271 2,920 3,163 3,421Massachusetts 22,227,406 22,176,153 22,485,481 4,990 5,099 5,073Michigan 86,045 339,819 366,857 9 37 14Minnesota 89,281 57,461 82,812 11 5 11Mississippi 33,964,336 32,738,372 32,346,925 11,779 11,377 11,373Missouri 52,805,657 53,102,296 54,311,242 16,728 17,286 17,810Montana 15,439,879 14,721,441 16,848,713 3,586 3,729 4,060Nebraska 30,018,979 29,881,994 28,863,550 8,113 8,135 7,837Nevada 36,453,527 39,669,799 42,542,338 9,170 9,882 9,850New Hampshire 18,265,027 19,350,589 19,359,780 6,064 6,407 6,611New Jersey 1,258,934 1,337,527 1,185,902 325 365 385New Mexico 19,380,869 20,067,078 18,211,920 6,390 6,593 6,385New York 13,424,106 12,106,630 11,881,326 1,282 1,377 1,439North Carolina 99,993,885 104,868,903 109,769,767 50,666 55,121 58,875North Dakota 0 0 0 0 0 0Ohio 147,734,743 142,594,670 146,238,539 46,090 46,203 47,256Oklahoma 37,025,051 36,448,070 40,241,411 10,250 9,927 10,878Oregon 977,205 1,242,833 1,081,967 169 184 161Pennsylvania 26,009 558,461 236,447 9 24 31Rhode Island 15,337,782 14,626,485 13,786,740 6,371 6,174 5,831South Carolina 20,142,881 20,806,134 19,864,978 8,955 8,936 8,790South Dakota 10,940,064 11,090,274 10,583,962 3,178 3,508 3,479Tennessee 64,511,552 65,765,867 68,305,482 20,871 21,557 22,033Texas 32,526,589 31,938,774 30,309,741 n/a n/a n/aUtah 569,974 352,747 338,999 81 79 85Vermont 6,057,194 6,183,946 5,797,496 1,955 1,985 2,004Virginia 108,333,009 119,786,315 126,043,863 27,650 29,086 30,813Washington 11,388,268 11,101,782 9,817,182 1,945 1,752 1,638West Virginia 28,310,981 28,639,989 32,293,510 7,804 8,307 9,384Wisconsin 79,942,774 82,315,443 83,649,299 20,800 21,802 21,211Wyoming 11,149,236 10,211,565 12,385,646 2,181 2,267 2,205Countrywide 2,135,502,811 2,163,834,433 2,192,674,548 639,484 658,825 671,305

CW w/o TX and MA 2,080,748,816 2,109,719,506 2,139,879,326 634,494 653,726 666,232

Table 20B






CW w/o TX and MA 24.85 25.11 25.46 73.36 76.22 78.49

Table 20C





STATE 2014 2013 2012 2014 2013 2012Alabama 0.66 0.65 0.64 2,672.38 2,705.10 2,757.57Alaska 0.78 0.87 0.94 5,660.53 5,452.77 5,206.93Arizona 0.93 0.99 1.03 3,706.31 3,754.74 3,737.38Arkansas 0.91 0.91 0.94 3,963.06 4,101.24 3,965.98California 0.87 0.94 0.98 2,926.02 2,889.71 2,875.21Colorado 1.05 1.07 1.05 4,430.55 4,307.74 4,194.73Connecticut 1.09 1.16 1.20 3,522.91 3,476.29 3,445.60Delaware 0.07 0.03 0.05 5,088.11 5,919.25 5,490.29District of Columbia 0.22 0.30 0.35 1,730.08 4,207.09 7,774.36Florida 1.27 1.17 1.16 2,491.73 2,406.28 2,442.20Georgia 1.31 1.33 1.33 3,849.50 3,880.81 3,906.51Hawaii 0.15 0.09 0.12 6,046.41 3,398.47 4,733.90Idaho 0.87 0.90 0.86 2,904.65 2,736.72 2,726.38Illinois 0.67 0.67 0.68 3,816.95 3,690.51 3,651.19Indiana 0.70 0.72 0.76 4,022.23 3,841.06 3,799.03Iowa 0.50 0.50 0.49 3,131.19 3,034.94 3,081.96Kansas 0.23 0.27 0.29 3,146.63 3,126.63 2,891.04Kentucky 0.45 0.50 0.54 660.09 587.31 591.63Louisiana 0.95 0.95 0.95 3,530.90 3,635.81 3,579.73Maine 0.70 0.72 0.75 2,803.38 2,626.11 2,668.96Maryland 0.66 0.70 0.74 3,173.58 3,339.89 3,084.27Massachusetts 0.33 0.34 0.34 4,454.39 4,349.12 4,432.38Michigan 0.06 0.20 0.06 9,560.56 9,184.30 26,204.07Minnesota 0.39 0.28 0.71 8,116.45 11,492.20 7,528.36Mississippi 0.85 0.82 0.83 2,883.47 2,877.59 2,844.19Missouri 0.66 0.67 0.69 3,156.72 3,071.98 3,049.48Montana 0.82 0.83 0.89 4,305.60 3,947.83 4,149.93Nebraska 0.60 0.60 0.59 3,700.11 3,673.26 3,682.98Nevada 1.25 1.34 1.33 3,975.30 4,014.35 4,319.02New Hampshire 0.69 0.74 0.78 3,012.04 3,020.23 2,928.42New Jersey 0.02 0.02 0.02 3,873.64 3,664.46 3,080.26New Mexico 0.84 0.85 0.82 3,033.00 3,043.69 2,852.30New York 0.03 0.03 0.03 10,471.22 8,792.03 8,256.65North Carolina 1.05 1.11 1.16 1,973.59 1,902.52 1,864.45North Dakota 0.00 0.00 0.00 - - -Ohio 0.68 0.68 0.69 3,205.35 3,086.26 3,094.60Oklahoma 0.86 0.83 0.91 3,612.20 3,671.61 3,699.34Oregon 0.15 0.17 0.16 5,782.28 6,754.53 6,720.29Pennsylvania 0.08 0.20 0.28 2,889.89 23,269.21 7,627.32Rhode Island 1.10 1.06 1.00 2,407.44 2,369.05 2,364.39South Carolina 1.13 1.14 1.13 2,249.34 2,328.35 2,259.95South Dakota 0.54 0.60 0.61 3,442.44 3,161.42 3,042.24Tennessee 0.58 0.61 0.62 3,090.97 3,050.79 3,100.14Texas n/a n/a n/a n/a n/a n/aUtah 0.38 0.39 0.41 7,036.72 4,465.15 3,988.22Vermont 0.57 0.59 0.59 3,098.31 3,115.34 2,892.96Virginia 0.76 0.79 0.83 3,918.01 4,118.35 4,090.61Washington 1.30 1.21 1.24 5,855.15 6,336.63 5,993.40West Virginia 0.83 0.87 0.97 3,627.75 3,447.69 3,441.34Wisconsin 0.59 0.61 0.60 3,843.40 3,775.59 3,943.68Wyoming 0.59 0.61 0.59 5,111.98 4,504.44 5,617.07Countrywide 0.75 0.77 0.78 3,339.42 3,284.38 3,266.29

CW w/o TX and MA 0.76 0.78 0.79 3,279.38 3,227.22 3,211.91

Table 20D




Uninsured/Underinsured Motorist


Uninsured/Underinsured Motorist

Many motorists do not purchase liability insurance, even though required by law, or do not purchase enough insurance to cover their liability in a major automobile accident. Uninsured and underinsured motorist coverages are designed to indemnify accident victims for bodily injury and property damage losses caused by a negligent uninsured or underinsured motorist. Each coverage has both a bodily injury component and a property damage component. Uninsured motorist (UM) coverage provides compensation to insureds who have suffered bodily injury in an accident with an at-fault motorist: 1) who has no bodily liability insurance; 2) who is the owner or operator of a hit-and-run vehicle; or 3) whose

insurance company denies coverage or becomes insolvent.

Underinsured motorist (UIM) coverage protects an insured in an accident caused by another motorist who is insured but whose limits are not adequate to pay all damages in a serious accident.

The majority of the states require auto insurers to offer uninsured motorist coverage to their policyholders. The offer may be declined by the insured in some states. Underinsured motorist coverage is usually not required, but may be offered or provided with uninsured motorist for a single premium.

Uninsured/Underinsured Motorist State-Specific Information and Technical Notes

Voluntary Market Business and Residual Market Business Uninsured/Underinsured Data

Data for UM and UIM are aggregated in this report. However, in most of the states, UM coverage may be purchased alone.

South Carolina—Data for UM/UIM-BI and UM/UIM-PD coverages are separated and included in the bodily injury liability1 and property damage liability2 data. South Dakota—UI/UIM is mandatory. UI/UIM must match the bodily injury limits up to $100,000/$300,000; if the bodily injury limits are higher, they do not have to match. Texas—Data for the UM/UIM-PD component are included in the UM/UIM-BI component.

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

Uninsured Motorist Requirement Twenty-three states require UM coverage, and 19 additional states require coverage unless it is rejected in writing.

California—UM property damage coverage is limited to $3,500 when purchased without collision coverage. Those with collision coverage purchase collision deductible waiver (CDW) instead. CDW is reported under other liability.

Minnesota—Required limits for UM/UIM coverage

are 25/50.

New Jersey—Basic and SAIP policies do not have a UM coverage requirement.

West Virginia—When underinsured motorist

insurance is involved, first-party coverage is secondary.


Uninsured/Underinsured Motorist Earned Premium and Earned Exposures

In Tables 21A through 23D-2 the earned premium amounts and the earned exposure figures represent both the uninsured/underinsured motorist bodily injury component (UM/UIM-BI) and the uninsured/underinsured motorist property damage component (UM/UIM-PD).

Except: Texas—Earned exposure data are not available, as indicated by “n/a.” Because the results for pure premium and claim frequency are calculated using earned exposures, there are no data in these columns for Texas. Massachusetts—Massachusetts Commonwealth Automobile Reinsurers (M-CAR) collects bodily injury liability, uninsured motorist and medical payments data as a total premium. Previous reports have included a calculated value for uninsured motorist and medical payments premiums; however, due to the competitive nature of the rates in Massachusetts, it is not possible to project these values. Therefore, the bodily injury liability portion of this report includes uninsured motorist and medical payment premiums. For this reason, there is a Countrywide without Texas and Massachussets total line that does not include earned exposures and the earned premiums are indicated by “n/a”.

Uninsured/Underinsured Incurred Losses and Incurred Claims

The uninsured/underinsured incurred claims and incurred losses are reported for the UM/UIM-BI component and the UM/UIM-PD component separately.

Uninsured/Underinsured Motorist Calculations—Loss Experience Results

Incurred losses for each component were added together to calculate the UM/UIM pure premium and loss ratio. UM/UIM-BI and UM/UIM-PD claims were not combined, so the UM/UIM frequency and severity are not shown.

However, pure premium, loss ratio, frequency, and severity were calculated for the UM/UIM-BI and UM/UIM-PD components individually.

UM/UIM pure premium = (UM/UIM-BI incurred losses + UM/UIM-PD incurred losses)/(UM/UIM earned exposures) UM/UIM loss ratio = (UM/UIM-BI incurred losses + UM/UIM-PD incurred losses)/(UM/UIM earned premium) UM/UIM-BI pure premium = (UM/UIM-BI incurred losses)/(UM/UIM earned exposures) UM/UIM-BI loss ratio = (UM/UIM-BI incurred losses)/(UM/UIM earned premium) UM/UIM-BI frequency = (UM/UIM-BI-incurred claims)/(UM/UIM earned exposures) UM/UIM-BI severity = (UM/UIM-BI incurred losses)/(UM/UIM-BI incurred claims) UM/UIM-PD pure premium = (UM/UIM-PD incurred losses)/(UM/UIM earned exposures) UM/UIM-PD loss ratio = (UM/UIM-PD incurred losses)/(UM/UIM earned premium) UM/UIM-PD frequency = (UM/UIM-PD incurred claims)/(UM/UIM earned exposures) UM/UIM-PD severity = (UM/UIM-PD incurred losses)/(UM/UIM-PD incurred claims) Uninsured/Underinsured Motorist—Loss Development

Incurred losses for the UM/UIM-bodily injury component are developed to 63 months.

Except: ISO develops UM/UIM-BI losses to 87 months. California—UM/UIM incurred losses are developed to 42 months. Incurred losses for the UM/UIM property damage component are developed to 39 months.



STATE 2014 2013 2012 2014 2013 2012Alabama 218,350,729 216,681,405 212,023,536 3,076,928 3,025,529 2,959,106Alaska 56,929,989 57,599,516 57,070,395 431,516 427,392 422,382Arizona 301,762,530 284,239,344 272,374,731 3,381,726 3,310,147 3,198,353Arkansas 118,907,036 116,219,173 113,953,550 1,702,874 1,689,261 1,685,221California 1,286,276,863 1,246,063,094 1,186,207,829 21,422,243 20,968,187 20,550,805Colorado 282,963,481 268,041,671 255,421,842 2,013,450 2,043,143 2,042,613Connecticut 184,859,294 188,666,786 191,631,445 2,302,483 2,288,564 2,278,628Delaware 52,274,765 51,403,008 51,422,554 580,798 566,680 553,274District of Columbia 24,195,251 24,325,940 24,439,798 238,521 234,134 230,346Florida 1,121,585,382 1,129,927,765 1,171,875,050 7,195,747 7,135,169 6,925,152Georgia 489,208,026 475,917,652 468,991,468 6,092,050 6,064,985 5,976,979Hawaii 67,689,346 65,618,786 65,697,960 734,040 709,289 691,783Idaho 39,521,653 38,716,275 37,992,162 967,527 956,508 957,382Illinois 329,671,571 328,255,751 327,166,707 6,554,566 6,562,907 6,532,773Indiana 203,987,569 203,300,610 197,882,077 4,345,940 4,198,036 4,072,157Iowa 83,555,524 82,890,518 81,774,396 2,328,768 2,313,809 2,289,891Kansas 53,578,821 52,160,261 51,250,301 2,062,154 2,059,902 2,067,622Kentucky 171,430,745 172,447,310 169,857,170 2,045,578 2,059,414 2,047,956Louisiana 287,420,650 282,863,513 280,410,183 1,943,816 1,918,988 1,899,386Maine 28,375,457 28,939,547 30,230,787 865,586 848,864 847,959Maryland 292,591,470 289,736,793 288,324,960 3,846,819 3,799,514 3,752,274Massachusetts n/a n/a n/a 4,126,740 4,038,861 3,971,481Michigan 148,468,164 138,509,800 128,149,859 5,327,488 5,295,253 5,222,428Minnesota 162,741,616 163,141,951 162,812,617 3,792,628 3,779,809 3,719,275Mississippi 174,973,812 172,374,223 171,048,342 1,632,659 1,610,283 1,582,974Missouri 181,168,960 172,687,947 169,086,095 3,823,378 3,834,180 3,814,136Montana 40,895,076 40,493,689 40,230,507 487,339 490,183 491,011Nebraska 54,983,617 54,646,270 53,900,248 1,470,854 1,462,268 1,442,566Nevada 147,036,230 139,965,408 137,785,520 1,159,298 1,140,542 1,128,113New Hampshire 38,256,961 38,057,320 39,291,119 847,170 826,350 815,076New Jersey 425,060,771 411,721,543 397,722,778 5,440,522 5,380,281 5,337,145New Mexico 160,372,148 151,327,188 143,011,377 1,072,448 1,083,119 1,070,821New York 387,168,863 398,283,698 401,133,429 9,179,192 9,118,733 9,073,277North Carolina 252,734,466 257,619,775 262,018,808 6,031,153 6,214,777 6,397,062North Dakota 12,413,753 11,727,588 11,168,453 532,691 523,633 509,543Ohio 325,300,685 321,264,624 332,379,973 6,398,249 6,349,125 6,337,443Oklahoma 146,974,893 143,801,690 142,195,339 890,905 889,804 893,766Oregon 144,496,516 144,972,480 143,452,015 2,498,610 2,484,513 2,480,668Pennsylvania 618,781,164 638,492,497 677,680,058 7,610,775 7,620,053 7,594,355Rhode Island 75,128,405 75,067,330 74,563,557 401,785 393,725 388,669South Carolina 340,718,885 333,187,603 331,198,847 3,463,977 3,394,969 3,344,992South Dakota 19,281,128 18,713,634 18,015,318 637,154 628,641 610,832Tennessee 287,290,399 281,158,439 272,276,553 4,104,123 4,050,628 4,004,365Texas 1,191,295,544 1,155,169,992 1,134,616,520 n/a n/a n/aUtah 99,353,556 97,294,934 95,906,717 1,666,768 1,605,915 1,557,408Vermont 21,608,958 21,555,596 21,534,997 406,792 395,529 389,622Virginia 304,706,142 303,731,021 299,786,011 6,010,095 5,980,281 5,950,026Washington 404,884,732 392,485,097 382,528,126 3,256,904 3,199,509 3,161,189West Virginia 114,300,114 116,134,644 118,603,546 1,175,888 1,167,505 1,161,137Wisconsin 171,390,260 168,967,618 174,560,329 3,804,293 3,802,527 3,736,643Wyoming 11,940,516 11,625,166 11,641,628 387,631 386,673 391,310Countrywide 12,158,862,486 11,978,193,483 11,884,297,587 161,770,639 160,328,091 158,559,375

CW w/o TX and MA 10,967,566,942 10,823,023,491 10,749,681,067 157,643,899 156,289,230 154,587,894

Table 21A

Uninsured/Underinsured Motorist 2012-2014




STATE 2014 2013 2012 2014 2013 2012Alabama 153,418,740 155,785,571 143,114,875 6,231 6,304 6,260Alaska 20,885,432 18,578,920 25,836,205 624 677 783Arizona 227,430,025 231,095,541 230,129,958 7,704 8,101 8,073Arkansas 54,046,092 56,147,326 53,959,649 3,356 3,451 3,447California 709,240,771 708,736,738 676,079,964 34,912 38,450 37,887Colorado 267,410,037 255,413,062 243,436,603 5,615 5,400 4,969Connecticut 92,445,928 107,030,528 116,380,009 2,868 3,474 3,549Delaware 30,672,917 26,159,465 28,281,248 1,256 1,239 1,317District of Columbia 10,036,365 10,327,199 9,825,505 864 830 711Florida 963,079,369 902,016,405 856,858,443 35,898 32,768 30,888Georgia 311,734,894 312,465,142 334,276,620 13,478 13,557 13,182Hawaii 27,119,865 23,805,305 35,295,057 648 559 636Idaho 20,817,768 18,591,665 20,763,188 825 864 808Illinois 202,679,704 198,884,674 213,049,253 8,196 8,252 8,120Indiana 104,433,318 100,985,746 107,582,811 4,528 4,548 4,634Iowa 58,905,786 41,467,129 41,894,799 1,440 1,287 1,424Kansas 39,508,194 34,742,746 34,579,796 1,047 1,010 987Kentucky 122,089,107 124,579,119 129,555,456 4,280 4,345 4,530Louisiana 259,457,795 250,880,069 233,221,946 11,861 11,242 10,468Maine 13,911,987 15,627,341 15,240,001 276 287 315Maryland 138,834,545 144,586,836 140,992,921 9,772 9,427 9,634Massachusetts 64,307,020 63,773,234 61,642,032 3,043 2,906 2,958Michigan 109,708,546 104,922,816 108,613,509 2,303 2,362 2,103Minnesota 90,775,277 88,764,932 90,473,128 2,036 2,205 2,123Mississippi 97,296,611 86,392,153 81,180,271 4,640 4,468 4,308Missouri 133,974,957 133,357,341 129,591,886 5,166 5,105 5,057Montana 23,398,978 23,911,083 26,004,903 574 654 673Nebraska 40,693,449 36,267,284 35,284,630 1,085 992 960Nevada 129,739,017 134,986,063 131,231,146 4,831 4,824 4,668New Hampshire 22,595,566 19,345,200 19,998,177 527 536 534New Jersey 136,015,492 188,794,265 240,721,922 4,514 5,902 6,861New Mexico 78,839,135 81,884,533 86,841,581 2,972 3,147 3,297New York 182,960,794 214,436,196 215,341,958 4,556 4,940 4,875North Carolina 123,904,011 133,783,505 129,744,963 5,740 6,436 7,053North Dakota 7,102,828 5,401,883 6,515,972 113 95 119Ohio 170,941,222 175,052,277 188,131,127 10,254 10,711 10,656Oklahoma 86,647,653 92,921,430 105,235,545 3,631 3,400 3,679Oregon 80,583,778 69,801,986 79,982,379 3,582 3,529 3,664Pennsylvania 359,060,775 387,549,044 416,839,132 8,121 8,927 9,361Rhode Island 41,550,118 41,982,200 45,505,345 1,581 1,768 1,796South Carolina 221,064,001 213,399,857 204,414,127 9,013 8,775 8,282South Dakota 11,260,182 8,657,975 9,392,800 287 260 276Tennessee 125,572,393 126,258,371 122,065,704 6,943 6,773 6,815Texas 762,452,972 708,843,605 607,514,770 n/a n/a n/aUtah 71,093,222 68,001,717 64,902,109 2,004 2,091 1,944Vermont 8,786,439 12,152,184 10,350,504 486 391 335Virginia 169,567,744 164,659,328 178,028,972 6,343 6,750 7,068Washington 227,606,816 207,127,026 222,353,745 9,609 9,459 9,741West Virginia 51,457,963 56,675,709 57,314,115 1,772 1,884 2,079Wisconsin 113,793,287 107,256,051 135,147,755 3,510 3,413 3,354Wyoming 6,770,566 5,291,192 4,713,457 149 150 167Countrywide 7,577,679,451 7,499,556,967 7,505,431,971 265,064 268,925 267,428

CW w/o TX and MA 6,750,919,459 6,726,940,128 6,836,275,169 262,021 266,019 264,470

Table 21B-1


Incurred Losses - Bodily Injury Incurred Claims - Bodily InjuryVoluntary Business



STATE 2014 2013 2012 2014 2013 2012Alabama 313,226 272,339 248,125 40 30 18Alaska 6,346,704 7,020,765 6,582,470 3,230 3,692 3,771Arizona 89,012 131,425 85,407 77 113 70Arkansas 26,363,013 24,180,135 23,147,263 14,322 13,626 13,702California 36,237,514 32,582,900 31,275,060 17,243 16,665 16,231Colorado 3,729,523 4,071,105 3,371,029 1,596 1,768 1,643Connecticut 0 2,783 8,143 0 5 4Delaware 7,108,316 6,142,570 6,068,487 4,917 4,643 4,520District of Columbia 7,872,029 6,723,158 6,152,313 6,121 5,556 5,176Florida 818 2,781 250 1 4 1Georgia 76,240,818 66,994,014 60,436,195 40,508 37,645 35,911Hawaii 0 0 0 0 0 0Idaho 614,203 674,920 409,176 372 395 293Illinois 4,954,841 4,986,324 4,761,707 2,001 2,085 2,109Indiana 25,209,160 21,171,324 20,301,071 12,658 11,984 11,876Iowa 18,971 17,484 9,805 9 6 6Kansas 97,279 60,118 79,915 39 20 29Kentucky 83,031 50,957 62,241 15 8 13Louisiana 3,999,187 3,902,684 3,451,027 1,425 1,424 1,384Maine 0 1,975 4,936 0 8 14Maryland 62,810,245 56,441,118 51,055,202 44,371 42,251 39,975Massachusetts 0 0 0 0 0 0Michigan 9,199 39,270 10,647 9 9 5Minnesota 53,202 11,936 7,058 31 11 13Mississippi 35,223,101 33,074,495 29,606,394 18,211 18,250 18,438Missouri 185,360 159,306 150,377 63 58 68Montana 379,477 333,869 142,907 117 120 74Nebraska 25,853 17,293 11,334 13 7 7Nevada 84,301 29,978 59,197 32 23 34New Hampshire 172,720 97,413 75,229 68 52 65New Jersey 12,152,750 12,841,611 12,557,341 4,127 4,442 4,283New Mexico 28,066,987 25,872,409 24,477,450 12,560 12,090 12,227New York 917,557 18,935 7,797 90 6 5North Carolina 10,922,395 10,142,354 9,611,902 6,846 6,965 7,260North Dakota 0 1,447 0 0 2 0Ohio 7,037,778 7,016,078 7,688,757 3,031 3,281 3,369Oklahoma 1,832 10,208 28,246 2 3 5Oregon 18,985,476 16,380,543 15,994,383 12,391 11,753 11,859Pennsylvania 548,453 249,168 250,259 55 19 23Rhode Island 6,105,432 5,867,205 6,141,093 2,221 2,267 2,502South Carolina 30,344,003 27,724,701 25,087,176 22,587 22,216 21,989South Dakota 9,835 10,741 10,695 3 7 8Tennessee 69,962,821 65,304,905 60,527,410 33,526 33,040 32,580Texas 0 0 0 n/a n/a n/aUtah 799,916 856,133 797,292 365 406 394Vermont 3,471,420 3,217,390 3,256,627 3,780 3,590 3,300Virginia 43,699,376 39,639,401 39,900,253 54,231 52,934 53,814Washington 65,809,404 57,628,921 54,567,035 33,752 32,070 31,140West Virginia 10,288,938 9,742,114 11,112,032 5,505 5,678 6,228Wisconsin 1,396,634 1,023,443 2,253,278 268 244 222Wyoming 32,962 10,593 14,980 10 5 4Countrywide 608,775,072 552,752,739 521,856,971 362,839 351,476 346,662

CW w/o TX and MA 608,775,072 552,752,739 521,856,971 362,839 351,476 346,662

Table 21B-2


Incurred Losses - Property Damage Incurred Claims - Property DamageVoluntary Business




CW w/o TX and MA 46.69 46.58 47.60 67.10 67.26 68.45

Table 21C






CW w/o TX and MA 42.82 43.04 44.22 61.55 62.15 63.60

Table 21C-1


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




CW w/o TX and MA 3.86 3.54 3.38 5.55 5.11 4.85

Table 21C-2


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




CW w/o TX and MA 0.17 0.17 0.17 25,764.80 25,287.44 25,848.96

Table 21D-1


Frequency - Bodily Injury Component Severity - Bodily Injury ComponentVoluntary Business



STATE 2014 2013 2012 2014 2013 2012Alabama 0.00 0.00 0.00 7,830.65 9,077.97 13,784.72Alaska 0.75 0.86 0.89 1,964.92 1,901.62 1,745.55Arizona 0.00 0.00 0.00 1,156.00 1,163.05 1,220.10Arkansas 0.84 0.81 0.81 1,840.74 1,774.56 1,689.33California 0.08 0.08 0.08 2,101.58 1,955.17 1,926.87Colorado 0.08 0.09 0.08 2,336.79 2,302.66 2,051.75Connecticut 0.00 0.00 0.00 - 556.60 2,035.75Delaware 0.85 0.82 0.82 1,445.66 1,322.97 1,342.59District of Columbia 2.57 2.37 2.25 1,286.07 1,210.07 1,188.62Florida 0.00 0.00 0.00 818.00 695.25 250.00Georgia 0.66 0.62 0.60 1,882.12 1,779.63 1,682.94Hawaii 0.00 0.00 0.00 - - -Idaho 0.04 0.04 0.03 1,651.08 1,708.66 1,396.51Illinois 0.03 0.03 0.03 2,476.18 2,391.52 2,257.80Indiana 0.29 0.29 0.29 1,991.56 1,766.63 1,709.42Iowa 0.00 0.00 0.00 2,107.89 2,914.00 1,634.17Kansas 0.00 0.00 0.00 2,494.33 3,005.90 2,755.69Kentucky 0.00 0.00 0.00 5,535.40 6,369.63 4,787.77Louisiana 0.07 0.07 0.07 2,806.45 2,740.65 2,493.52Maine 0.00 0.00 0.00 - 246.88 352.57Maryland 1.15 1.11 1.07 1,415.57 1,335.85 1,277.18Massachusetts 0.00 0.00 0.00 - - -Michigan 0.00 0.00 0.00 1,022.11 4,363.33 2,129.40Minnesota 0.00 0.00 0.00 1,716.19 1,085.09 542.92Mississippi 1.12 1.13 1.16 1,934.17 1,812.30 1,605.73Missouri 0.00 0.00 0.00 2,942.22 2,746.66 2,211.43Montana 0.02 0.02 0.02 3,243.39 2,782.24 1,931.18Nebraska 0.00 0.00 0.00 1,988.69 2,470.43 1,619.14Nevada 0.00 0.00 0.00 2,634.41 1,303.39 1,741.09New Hampshire 0.01 0.01 0.01 2,540.00 1,873.33 1,157.37New Jersey 0.08 0.08 0.08 2,944.69 2,890.95 2,931.90New Mexico 1.17 1.12 1.14 2,234.63 2,139.98 2,001.92New York 0.00 0.00 0.00 10,195.08 3,155.83 1,559.40North Carolina 0.11 0.11 0.11 1,595.44 1,456.19 1,323.95North Dakota 0.00 0.00 0.00 - 723.50 -Ohio 0.05 0.05 0.05 2,321.93 2,138.40 2,282.21Oklahoma 0.00 0.00 0.00 916.00 3,402.67 5,649.20Oregon 0.50 0.47 0.48 1,532.20 1,393.73 1,348.71Pennsylvania 0.00 0.00 0.00 9,971.87 13,114.11 10,880.83Rhode Island 0.55 0.58 0.64 2,748.96 2,588.09 2,454.47South Carolina 0.65 0.65 0.66 1,343.43 1,247.96 1,140.90South Dakota 0.00 0.00 0.00 3,278.33 1,534.43 1,336.88Tennessee 0.82 0.82 0.81 2,086.82 1,976.54 1,857.81Texas n/a n/a n/a n/a n/a n/aUtah 0.02 0.03 0.03 2,191.55 2,108.70 2,023.58Vermont 0.93 0.91 0.85 918.37 896.21 986.86Virginia 0.90 0.89 0.90 805.80 748.85 741.45Washington 1.04 1.00 0.99 1,949.79 1,796.97 1,752.31West Virginia 0.47 0.49 0.54 1,869.02 1,715.77 1,784.21Wisconsin 0.01 0.01 0.01 5,211.32 4,194.44 10,149.90Wyoming 0.00 0.00 0.00 3,296.20 2,118.60 3,745.00Countrywide 0.22 0.22 0.22 1,677.81 1,572.66 1,505.38

CW w/o TX and MA 0.23 0.22 0.22 1,677.81 1,572.66 1,505.38

Table 21D-2


Frequency - Property Damage Component Severity - Property Damage ComponentVoluntary Business



STATE 2014 2013 2012 2014 2013 2012Alabama 0 0 0 0 0 0Alaska 1,590 704 963 5 3 4Arizona 0 0 41 0 0 1Arkansas 150 11 0 1 0 0California 39,757 45,899 46,080 122 141 138Colorado 0 0 0 0 0 0Connecticut 13,880 23,298 24,493 137 181 177Delaware 15 77 295 0 0 2District of Columbia 28,806 34,617 34,910 115 140 147Florida 6,489 5,748 5,471 15 15 14Georgia 0 0 0 0 0 0Hawaii 10,842 26,643 40,200 53 182 278Idaho 28 6 73 2 0 4Illinois 19,203 27,305 37,258 356 514 670Indiana 179 168 75 5 5 2Iowa 266 295 411 9 12 16Kansas 50,315 46,701 49,846 1,767 1,663 1,740Kentucky 4,195 3,375 3,200 21 14 14Louisiana 176 113 32 1 0 0Maine 224 312 415 8 10 15Maryland 3,946,855 4,055,057 4,386,930 40,869 41,497 45,164Massachusetts n/a n/a n/a 69,503 91,313 103,647Michigan 72,732 53,418 10,009 3,556 2,510 427Minnesota 148 725 422 4 17 11Mississippi 1,020 1,268 2,198 6 13 19Missouri 29 419 743 1 12 20Montana 912 1,558 1,822 6 14 52Nebraska 3 61 37 0 1 1Nevada 0 -32 226 0 0 2New Hampshire 7,885 8,466 10,007 104 106 132New Jersey 353,152 523,905 729,252 5,623 9,365 12,972New Mexico 131 144 137 2 1 0New York 1,643,720 2,007,258 2,650,696 38,182 50,150 69,072North Carolina 0 0 0 0 0 0North Dakota 50 29 18 5 2 1Ohio 0 0 0 0 0 0Oklahoma 792 672 137 2 2 1Oregon 0 183 316 0 2 4Pennsylvania 34,913 40,891 55,760 233 256 366Rhode Island 627,264 498,669 384,888 1,070 848 599South Carolina 138 20 0 1 0 0South Dakota 4 0 0 0 0 0Tennessee 274 341 410 3 5 7Texas 63,350 82,100 113,669 n/a n/a n/aUtah 90 146 39 2 4 1Vermont 2,975 5,148 8,829 38 53 86Virginia 32,088 36,976 45,688 445 527 662Washington 92 0 0 0 0 0West Virginia 1,035 1,725 2,073 5 12 11Wisconsin 44 3 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 6,965,811 7,534,422 8,648,069 162,277 199,590 236,479

CW w/o TX and MA 6,902,461 7,452,322 8,534,400 92,774 108,277 132,832

Table 22A





STATE 2014 2013 2012 2014 2013 2012Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California - 5,500 15,465 - 1 1Colorado 0 0 0 0 0 0Connecticut 0 0 0 0 0 0Delaware 0 0 0 0 0 0District of Columbia 27,229 23,333 646 1 3 0Florida 0 0 0 0 0 0Georgia 0 0 0 0 0 0Hawaii 0 0 10,556 0 0 1Idaho 0 0 0 0 0 0Illinois 0 653 110 0 0 1Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 0 18,524 2,820 0 1 1Kentucky 0 22,035 0 0 1 0Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 3,446,841 3,907,548 4,269,761 991 1,117 1,165Massachusetts 1,589,893 2,144,005 3,267,624 185 224 343Michigan 307,624 203,478 6,975 20 14 1Minnesota 0 0 0 0 0 0Mississippi 0 0 0 0 0 0Missouri 0 0 0 0 0 0Montana 0 0 0 0 0 0Nebraska 0 0 0 0 0 0Nevada 0 0 0 0 0 0New Hampshire 0 0 0 0 0 0New Jersey 488,903 349,675 1,317,645 34 25 69New Mexico 0 0 0 0 0 0New York 1,386,632 1,255,646 1,561,741 86 70 83North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 0 0 0 0 0 0Pennsylvania 78,927 0 12,272 1 0 1Rhode Island 417,987 435,862 409,535 29 31 33South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 13,783 37,629 106,225 n/a n/a n/aUtah 0 0 0 0 0 0Vermont 0 0 0 0 0 0Virginia 0 0 7,803 0 0 1Washington 0 0 0 0 0 0West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 7,757,819 8,403,888 10,989,178 1,347 1,487 1,700

CW w/o TX and MA 6,154,143 6,222,254 7,615,329 1,162 1,263 1,357

Table 22B-1


Incurred Losses - Bodily Injury Incurred Claims - Bodily InjuryResidual Business



STATE 2014 2013 2012 2014 2013 2012Alabama 0 0 0 0 0 0Alaska 0 0 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California - 14,404 3,116 - 2 1Colorado 0 0 0 0 0 0Connecticut 0 0 0 0 0 0Delaware 0 0 0 0 0 0District of Columbia 1,322 14,070 8,508 1 5 5Florida 0 0 0 0 0 0Georgia 0 0 0 0 0 0Hawaii 0 0 0 0 0 0Idaho 0 0 0 0 0 0Illinois 0 0 0 0 0 0Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 0 0 0 0 0 0Kentucky 0 0 0 0 0 0Louisiana 0 0 0 0 0 0Maine 0 0 0 0 0 0Maryland 0 0 0 0 0 0Massachusetts 0 0 0 0 0 0Michigan 0 0 0 0 0 0Minnesota 0 0 0 0 0 0Mississippi 0 0 0 0 0 0Missouri 0 0 0 0 0 0Montana 0 0 0 0 0 0Nebraska 0 0 0 0 0 0Nevada 0 0 0 0 0 0New Hampshire 3,915 0 0 1 0 0New Jersey 168,649 77,264 55,113 24 20 22New Mexico 0 0 0 0 0 0New York 0 0 0 0 0 0North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 0 0 0 0 0 0Pennsylvania 0 0 0 0 0 0Rhode Island 229,966 204,570 178,569 58 46 52South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 0 0 0 n/a n/a n/aUtah 0 0 0 0 0 0Vermont 0 0 0 0 0 0Virginia 14,037 8,886 10,386 4 5 7Washington 0 0 0 0 0 0West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 417,889 319,194 255,692 88 78 87

CW w/o TX and MA 417,889 319,194 255,692 88 78 87

Table 22B-2


Incurred Losses - Property Damage Incurred Claims - Property DamageResidual Business



STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska 0.00 0.00 0.00 0.00 0.00 0.00Arizona - - 0.00 - - 0.00Arkansas 0.00 - - 0.00 0.00 -California - 141.16 134.64 - 43.36 40.32Colorado - - - - - -Connecticut 0.00 0.00 0.00 0.00 0.00 0.00Delaware - - 0.00 0.00 0.00 0.00District of Columbia 248.27 267.16 62.27 99.11 108.05 26.22Florida 0.00 0.00 0.00 0.00 0.00 0.00Georgia - - - - - -Hawaii 0.00 0.00 37.97 0.00 0.00 26.26Idaho 0.00 - 0.00 0.00 0.00 0.00Illinois 0.00 1.27 0.16 0.00 2.39 0.30Indiana 0.00 0.00 0.00 0.00 0.00 0.00Iowa 0.00 0.00 0.00 0.00 0.00 0.00Kansas 0.00 11.14 1.62 0.00 39.67 5.66Kentucky 0.00 1,573.93 0.00 0.00 652.89 0.00Louisiana 0.00 - - 0.00 0.00 0.00Maine 0.00 0.00 0.00 0.00 0.00 0.00Maryland 84.34 94.16 94.54 87.33 96.36 97.33Massachusetts 22.88 23.48 31.53 n/a n/a n/aMichigan 86.51 81.07 16.33 422.96 380.92 69.69Minnesota 0.00 0.00 0.00 0.00 0.00 0.00Mississippi 0.00 0.00 0.00 0.00 0.00 0.00Missouri 0.00 0.00 0.00 0.00 0.00 0.00Montana 0.00 0.00 0.00 0.00 0.00 0.00Nebraska - 0.00 0.00 0.00 0.00 0.00Nevada - - 0.00 - 0.00 0.00New Hampshire 37.64 0.00 0.00 49.65 0.00 0.00New Jersey 116.94 45.59 105.82 186.20 81.49 188.24New Mexico 0.00 0.00 - 0.00 0.00 0.00New York 36.32 25.04 22.61 84.36 62.56 58.92North Carolina - - - - - -North Dakota 0.00 0.00 0.00 0.00 0.00 0.00Ohio - - - - - -Oklahoma 0.00 0.00 0.00 0.00 0.00 0.00Oregon - 0.00 0.00 - 0.00 0.00Pennsylvania 338.74 0.00 33.53 226.07 0.00 22.01Rhode Island 605.56 755.23 981.81 103.30 128.43 152.80South Carolina 0.00 - - 0.00 0.00 -South Dakota - - - 0.00 - -Tennessee 0.00 0.00 0.00 0.00 0.00 0.00Texas n/a n/a n/a 21.76 45.83 93.45Utah 0.00 0.00 0.00 0.00 0.00 0.00Vermont 0.00 0.00 0.00 0.00 0.00 0.00Virginia 31.54 16.86 27.48 43.75 24.03 39.81Washington - - - 0.00 - -West Virginia 0.00 0.00 0.00 0.00 0.00 0.00Wisconsin - - - 0.00 0.00 -Wyoming - - - - - -Countrywide 50.38 43.71 47.55 117.37 115.78 130.03

CW w/o TX and MA 70.84 60.41 59.26 95.21 87.78 92.23

Table 22C





STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska 0.00 0.00 0.00 0.00 0.00 0.00Arizona - - 0.00 - - 0.00Arkansas 0.00 - - 0.00 0.00 -California - 39.01 112.07 - 11.98 33.56Colorado - - - - - -Connecticut 0.00 0.00 0.00 0.00 0.00 0.00Delaware - - 0.00 0.00 0.00 0.00District of Columbia 236.77 166.66 4.39 94.53 67.40 1.85Florida 0.00 0.00 0.00 0.00 0.00 0.00Georgia - - - - - -Hawaii 0.00 0.00 37.97 0.00 0.00 26.26Idaho 0.00 - 0.00 0.00 0.00 0.00Illinois 0.00 1.27 0.16 0.00 2.39 0.30Indiana 0.00 0.00 0.00 0.00 0.00 0.00Iowa 0.00 0.00 0.00 0.00 0.00 0.00Kansas 0.00 11.14 1.62 0.00 39.67 5.66Kentucky 0.00 1,573.93 0.00 0.00 652.89 0.00Louisiana 0.00 - - 0.00 0.00 0.00Maine 0.00 0.00 0.00 0.00 0.00 0.00Maryland 84.34 94.16 94.54 87.33 96.36 97.33Massachusetts 22.88 23.48 31.53 n/a n/a n/aMichigan 86.51 81.07 16.33 422.96 380.92 69.69Minnesota 0.00 0.00 0.00 0.00 0.00 0.00Mississippi 0.00 0.00 0.00 0.00 0.00 0.00Missouri 0.00 0.00 0.00 0.00 0.00 0.00Montana 0.00 0.00 0.00 0.00 0.00 0.00Nebraska - 0.00 0.00 0.00 0.00 0.00Nevada - - 0.00 - 0.00 0.00New Hampshire 0.00 0.00 0.00 0.00 0.00 0.00New Jersey 86.95 37.34 101.58 138.44 66.74 180.68New Mexico 0.00 0.00 - 0.00 0.00 0.00New York 36.32 25.04 22.61 84.36 62.56 58.92North Carolina - - - - - -North Dakota 0.00 0.00 0.00 0.00 0.00 0.00Ohio - - - - - -Oklahoma 0.00 0.00 0.00 0.00 0.00 0.00Oregon - 0.00 0.00 - 0.00 0.00Pennsylvania 338.74 0.00 33.53 226.07 0.00 22.01Rhode Island 390.64 513.99 683.70 66.64 87.41 106.40South Carolina 0.00 - - 0.00 0.00 -South Dakota - - - 0.00 - -Tennessee 0.00 0.00 0.00 0.00 0.00 0.00Texas n/a n/a n/a 21.76 45.83 93.45Utah 0.00 0.00 0.00 0.00 0.00 0.00Vermont 0.00 0.00 0.00 0.00 0.00 0.00Virginia 0.00 0.00 11.79 0.00 0.00 17.08Washington - - - 0.00 - -West Virginia 0.00 0.00 0.00 0.00 0.00 0.00Wisconsin - - - 0.00 0.00 -Wyoming - - - - - -Countrywide 47.81 42.11 46.47 111.37 111.54 127.07

CW w/o TX and MA 66.33 57.47 57.33 89.16 83.49 89.23

Table 22C-1


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



STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska 0.00 0.00 0.00 0.00 0.00 0.00Arizona - - 0.00 - - 0.00Arkansas 0.00 - - 0.00 0.00 -California - 102.16 22.58 - 31.38 6.76Colorado - - - - - -Connecticut 0.00 0.00 0.00 0.00 0.00 0.00Delaware - - 0.00 0.00 0.00 0.00District of Columbia 11.50 100.50 57.88 4.59 40.64 24.37Florida 0.00 0.00 0.00 0.00 0.00 0.00Georgia - - - - - -Hawaii 0.00 0.00 0.00 0.00 0.00 0.00Idaho 0.00 - 0.00 0.00 0.00 0.00Illinois 0.00 0.00 0.00 0.00 0.00 0.00Indiana 0.00 0.00 0.00 0.00 0.00 0.00Iowa 0.00 0.00 0.00 0.00 0.00 0.00Kansas 0.00 0.00 0.00 0.00 0.00 0.00Kentucky 0.00 0.00 0.00 0.00 0.00 0.00Louisiana 0.00 - - 0.00 0.00 0.00Maine 0.00 0.00 0.00 0.00 0.00 0.00Maryland 0.00 0.00 0.00 0.00 0.00 0.00Massachusetts 0.00 0.00 0.00 n/a n/a n/aMichigan 0.00 0.00 0.00 0.00 0.00 0.00Minnesota 0.00 0.00 0.00 0.00 0.00 0.00Mississippi 0.00 0.00 0.00 0.00 0.00 0.00Missouri 0.00 0.00 0.00 0.00 0.00 0.00Montana 0.00 0.00 0.00 0.00 0.00 0.00Nebraska - 0.00 0.00 0.00 0.00 0.00Nevada - - 0.00 - 0.00 0.00New Hampshire 37.64 0.00 0.00 49.65 0.00 0.00New Jersey 29.99 8.25 4.25 47.76 14.75 7.56New Mexico 0.00 0.00 - 0.00 0.00 0.00New York 0.00 0.00 0.00 0.00 0.00 0.00North Carolina - - - - - -North Dakota 0.00 0.00 0.00 0.00 0.00 0.00Ohio - - - - - -Oklahoma 0.00 0.00 0.00 0.00 0.00 0.00Oregon - 0.00 0.00 - 0.00 0.00Pennsylvania 0.00 0.00 0.00 0.00 0.00 0.00Rhode Island 214.92 241.24 298.11 36.66 41.02 46.40South Carolina 0.00 - - 0.00 0.00 -South Dakota - - - 0.00 - -Tennessee 0.00 0.00 0.00 0.00 0.00 0.00Texas n/a n/a n/a 0.00 0.00 0.00Utah 0.00 0.00 0.00 0.00 0.00 0.00Vermont 0.00 0.00 0.00 0.00 0.00 0.00Virginia 31.54 16.86 15.69 43.75 24.03 22.73Washington - - - 0.00 - -West Virginia 0.00 0.00 0.00 0.00 0.00 0.00Wisconsin - - - 0.00 0.00 -Wyoming - - - - - -Countrywide 2.58 1.60 1.08 6.00 4.24 2.96

CW w/o TX and MA 4.50 2.95 1.92 6.05 4.28 3.00

Table 22C-2


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



STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska 0.00 0.00 0.00 - - -Arizona - - 0.00 - - -Arkansas 0.00 - - - - -California - 0.71 0.72 - 5,500.00 15,465.00Colorado - - - - - -Connecticut 0.00 0.00 0.00 - - -Delaware - - 0.00 - - -District of Columbia 0.87 2.14 0.00 27,229.00 7,777.67 -Florida 0.00 0.00 0.00 - - -Georgia - - - - - -Hawaii 0.00 0.00 0.36 - - 10,556.00Idaho 0.00 - 0.00 - - -Illinois 0.00 0.00 0.15 - - 110.00Indiana 0.00 0.00 0.00 - - -Iowa 0.00 0.00 0.00 - - -Kansas 0.00 0.06 0.06 - 18,524.00 2,820.00Kentucky 0.00 7.14 0.00 - 22,035.00 -Louisiana 0.00 - - - - -Maine 0.00 0.00 0.00 - - -Maryland 2.42 2.69 2.58 3,478.14 3,498.25 3,665.03Massachusetts 0.27 0.25 0.33 8,594.02 9,571.45 9,526.60Michigan 0.56 0.56 0.23 15,381.20 14,534.14 6,975.00Minnesota 0.00 0.00 0.00 - - -Mississippi 0.00 0.00 0.00 - - -Missouri 0.00 0.00 0.00 - - -Montana 0.00 0.00 0.00 - - -Nebraska - 0.00 0.00 - - -Nevada - - 0.00 - - -New Hampshire 0.00 0.00 0.00 - - -New Jersey 0.60 0.27 0.53 14,379.50 13,987.00 19,096.30New Mexico 0.00 0.00 - - - -New York 0.23 0.14 0.12 16,123.63 17,937.80 18,816.16North Carolina - - - - - -North Dakota 0.00 0.00 0.00 - - -Ohio - - - - - -Oklahoma 0.00 0.00 0.00 - - -Oregon - 0.00 0.00 - - -Pennsylvania 0.43 0.00 0.27 78,927.00 - 12,272.00Rhode Island 2.71 3.66 5.51 14,413.34 14,060.06 12,410.15South Carolina 0.00 - - - - -South Dakota - - - - - -Tennessee 0.00 0.00 0.00 - - -Texas n/a n/a n/a n/a n/a n/aUtah 0.00 0.00 0.00 - - -Vermont 0.00 0.00 0.00 - - -Virginia 0.00 0.00 0.15 - - 7,803.00Washington - - - - - -West Virginia 0.00 0.00 0.00 - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 0.83 0.75 0.72 5,759.33 5,651.57 6,464.22

CW w/o TX and MA 1.25 1.17 1.02 5,296.16 4,926.57 5,611.89

Table 22D-1


Frequency - Bodily Injury Component Severity - Bodily Injury ComponentResidual Business



STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska 0.00 0.00 0.00 - - -Arizona - - 0.00 - - -Arkansas 0.00 - - - - -California - 1.42 0.72 - 7,202.00 3,116.00Colorado - - - - - -Connecticut 0.00 0.00 0.00 - - -Delaware - - 0.00 - - -District of Columbia 0.87 3.57 3.40 1,322.00 2,814.00 1,701.60Florida 0.00 0.00 0.00 - - -Georgia - - - - - -Hawaii 0.00 0.00 0.00 - - -Idaho 0.00 - 0.00 - - -Illinois 0.00 0.00 0.00 - - -Indiana 0.00 0.00 0.00 - - -Iowa 0.00 0.00 0.00 - - -Kansas 0.00 0.00 0.00 - - -Kentucky 0.00 0.00 0.00 - - -Louisiana 0.00 - - - - -Maine 0.00 0.00 0.00 - - -Maryland 0.00 0.00 0.00 - - -Massachusetts 0.00 0.00 0.00 - - -Michigan 0.00 0.00 0.00 - - -Minnesota 0.00 0.00 0.00 - - -Mississippi 0.00 0.00 0.00 - - -Missouri 0.00 0.00 0.00 - - -Montana 0.00 0.00 0.00 - - -Nebraska - 0.00 0.00 - - -Nevada - - 0.00 - - -New Hampshire 0.96 0.00 0.00 3,915.00 - -New Jersey 0.43 0.21 0.17 7,027.04 3,863.20 2,505.14New Mexico 0.00 0.00 - - - -New York 0.00 0.00 0.00 - - -North Carolina - - - - - -North Dakota 0.00 0.00 0.00 - - -Ohio - - - - - -Oklahoma 0.00 0.00 0.00 - - -Oregon - 0.00 0.00 - - -Pennsylvania 0.00 0.00 0.00 - - -Rhode Island 5.42 5.42 8.68 3,964.93 4,447.17 3,434.02South Carolina 0.00 - - - - -South Dakota - - - - - -Tennessee 0.00 0.00 0.00 - - -Texas n/a n/a n/a n/a n/a n/aUtah 0.00 0.00 0.00 - - -Vermont 0.00 0.00 0.00 - - -Virginia 0.90 0.95 1.06 3,509.25 1,777.20 1,483.71Washington - - - - - -West Virginia 0.00 0.00 0.00 - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 0.05 0.04 0.04 4,748.74 4,092.23 2,938.99

CW w/o TX and MA 0.09 0.07 0.07 4,748.74 4,092.23 2,938.99

Table 22D-2


Frequency - Property Damage Component Severity - Property Damage ComponentResidual Business



STATE 2014 2013 2012 2014 2013 2012Alabama 218,350,729 216,681,405 212,023,536 3,076,928 3,025,529 2,959,106Alaska 56,931,579 57,600,220 57,071,358 431,521 427,395 422,386Arizona 301,762,530 284,239,344 272,374,772 3,381,726 3,310,147 3,198,354Arkansas 118,907,186 116,219,184 113,953,550 1,702,875 1,689,261 1,685,221California 1,286,316,620 1,246,108,993 1,186,253,909 21,422,365 20,968,328 20,550,943Colorado 282,963,481 268,041,671 255,421,842 2,013,450 2,043,143 2,042,613Connecticut 184,873,174 188,690,084 191,655,938 2,302,620 2,288,745 2,278,805Delaware 52,274,780 51,403,085 51,422,849 580,798 566,680 553,276District of Columbia 24,224,057 24,360,557 24,474,708 238,636 234,274 230,493Florida 1,121,591,871 1,129,933,513 1,171,880,521 7,195,762 7,135,184 6,925,166Georgia 489,208,026 475,917,652 468,991,468 6,092,050 6,064,985 5,976,979Hawaii 67,700,188 65,645,429 65,738,160 734,093 709,471 692,061Idaho 39,521,681 38,716,281 37,992,235 967,529 956,508 957,386Illinois 329,690,774 328,283,056 327,203,965 6,554,922 6,563,421 6,533,443Indiana 203,987,748 203,300,778 197,882,152 4,345,945 4,198,041 4,072,159Iowa 83,555,790 82,890,813 81,774,807 2,328,777 2,313,821 2,289,907Kansas 53,629,136 52,206,962 51,300,147 2,063,921 2,061,565 2,069,362Kentucky 171,434,940 172,450,685 169,860,370 2,045,599 2,059,428 2,047,970Louisiana 287,420,826 282,863,626 280,410,215 1,943,817 1,918,988 1,899,386Maine 28,375,681 28,939,859 30,231,202 865,594 848,874 847,974Maryland 296,538,325 293,791,850 292,711,890 3,887,688 3,841,011 3,797,438Massachusetts n/a n/a n/a 4,196,243 4,130,174 4,075,128Michigan 148,540,896 138,563,218 128,159,868 5,331,044 5,297,763 5,222,855Minnesota 162,741,764 163,142,676 162,813,039 3,792,632 3,779,826 3,719,286Mississippi 174,974,832 172,375,491 171,050,540 1,632,665 1,610,296 1,582,993Missouri 181,168,989 172,688,366 169,086,838 3,823,379 3,834,192 3,814,156Montana 40,895,988 40,495,247 40,232,329 487,345 490,197 491,063Nebraska 54,983,620 54,646,331 53,900,285 1,470,854 1,462,269 1,442,567Nevada 147,036,230 139,965,376 137,785,746 1,159,298 1,140,542 1,128,115New Hampshire 38,264,846 38,065,786 39,301,126 847,274 826,456 815,208New Jersey 425,413,923 412,245,448 398,452,030 5,446,145 5,389,646 5,350,117New Mexico 160,372,279 151,327,332 143,011,514 1,072,450 1,083,120 1,070,821New York 388,812,583 400,290,956 403,784,125 9,217,374 9,168,883 9,142,349North Carolina 252,734,466 257,619,775 262,018,808 6,031,153 6,214,777 6,397,062North Dakota 12,413,803 11,727,617 11,168,471 532,696 523,635 509,544Ohio 325,300,685 321,264,624 332,379,973 6,398,249 6,349,125 6,337,443Oklahoma 146,975,685 143,802,362 142,195,476 890,907 889,806 893,767Oregon 144,496,516 144,972,663 143,452,331 2,498,610 2,484,515 2,480,672Pennsylvania 618,816,077 638,533,388 677,735,818 7,611,008 7,620,309 7,594,721Rhode Island 75,755,669 75,565,999 74,948,445 402,855 394,573 389,268South Carolina 340,719,023 333,187,623 331,198,847 3,463,978 3,394,969 3,344,992South Dakota 19,281,132 18,713,634 18,015,318 637,154 628,641 610,832Tennessee 287,290,673 281,158,780 272,276,963 4,104,126 4,050,633 4,004,372Texas 1,191,358,894 1,155,252,092 1,134,730,189 n/a n/a n/aUtah 99,353,646 97,295,080 95,906,756 1,666,770 1,605,919 1,557,409Vermont 21,611,933 21,560,744 21,543,826 406,830 395,582 389,708Virginia 304,738,230 303,767,997 299,831,699 6,010,540 5,980,808 5,950,688Washington 404,884,824 392,485,097 382,528,126 3,256,904 3,199,509 3,161,189West Virginia 114,301,149 116,136,369 118,605,619 1,175,893 1,167,517 1,161,148Wisconsin 171,390,304 168,967,621 174,560,329 3,804,293 3,802,527 3,736,643Wyoming 11,940,516 11,625,166 11,641,628 387,631 386,673 391,310Countrywide 12,165,828,297 11,985,727,905 11,892,945,656 161,932,916 160,527,681 158,795,854

CW w/o TX and MA 10,974,469,403 10,830,475,813 10,758,215,467 157,736,673 156,397,507 154,720,726

Table 23A





STATE 2014 2013 2012 2014 2013 2012Alabama 153,418,740 155,785,571 143,114,875 6,231 6,304 6,260Alaska 20,885,432 18,578,920 25,836,205 624 677 783Arizona 227,430,025 231,095,541 230,129,958 7,704 8,101 8,073Arkansas 54,046,092 56,147,326 53,959,649 3,356 3,451 3,447California 709,240,771 708,742,238 676,095,429 34,912 38,451 37,888Colorado 267,410,037 255,413,062 243,436,603 5,615 5,400 4,969Connecticut 92,445,928 107,030,528 116,380,009 2,868 3,474 3,549Delaware 30,672,917 26,159,465 28,281,248 1,256 1,239 1,317District of Columbia 10,063,594 10,350,532 9,826,151 865 833 711Florida 963,079,369 902,016,405 856,858,443 35,898 32,768 30,888Georgia 311,734,894 312,465,142 334,276,620 13,478 13,557 13,182Hawaii 27,119,865 23,805,305 35,305,613 648 559 637Idaho 20,817,768 18,591,665 20,763,188 825 864 808Illinois 202,679,704 198,885,327 213,049,363 8,196 8,252 8,121Indiana 104,433,318 100,985,746 107,582,811 4,528 4,548 4,634Iowa 58,905,786 41,467,129 41,894,799 1,440 1,287 1,424Kansas 39,508,194 34,761,270 34,582,616 1,047 1,011 988Kentucky 122,089,107 124,601,154 129,555,456 4,280 4,346 4,530Louisiana 259,457,795 250,880,069 233,221,946 11,861 11,242 10,468Maine 13,911,987 15,627,341 15,240,001 276 287 315Maryland 142,281,386 148,494,384 145,262,682 10,763 10,544 10,799Massachusetts 65,896,913 65,917,239 64,909,656 3,228 3,130 3,301Michigan 110,016,170 105,126,294 108,620,484 2,323 2,376 2,104Minnesota 90,775,277 88,764,932 90,473,128 2,036 2,205 2,123Mississippi 97,296,611 86,392,153 81,180,271 4,640 4,468 4,308Missouri 133,974,957 133,357,341 129,591,886 5,166 5,105 5,057Montana 23,398,978 23,911,083 26,004,903 574 654 673Nebraska 40,693,449 36,267,284 35,284,630 1,085 992 960Nevada 129,739,017 134,986,063 131,231,146 4,831 4,824 4,668New Hampshire 22,595,566 19,345,200 19,998,177 527 536 534New Jersey 136,504,395 189,143,940 242,039,567 4,548 5,927 6,930New Mexico 78,839,135 81,884,533 86,841,581 2,972 3,147 3,297New York 184,347,426 215,691,842 216,903,699 4,642 5,010 4,958North Carolina 123,904,011 133,783,505 129,744,963 5,740 6,436 7,053North Dakota 7,102,828 5,401,883 6,515,972 113 95 119Ohio 170,941,222 175,052,277 188,131,127 10,254 10,711 10,656Oklahoma 86,647,653 92,921,430 105,235,545 3,631 3,400 3,679Oregon 80,583,778 69,801,986 79,982,379 3,582 3,529 3,664Pennsylvania 359,139,702 387,549,044 416,851,404 8,122 8,927 9,362Rhode Island 41,968,105 42,418,062 45,914,880 1,610 1,799 1,829South Carolina 221,064,001 213,399,857 204,414,127 9,013 8,775 8,282South Dakota 11,260,182 8,657,975 9,392,800 287 260 276Tennessee 125,572,393 126,258,371 122,065,704 6,943 6,773 6,815Texas 762,466,755 708,881,234 607,620,995 n/a n/a n/aUtah 71,093,222 68,001,717 64,902,109 2,004 2,091 1,944Vermont 8,786,439 12,152,184 10,350,504 486 391 335Virginia 169,567,744 164,659,328 178,036,775 6,343 6,750 7,069Washington 227,606,816 207,127,026 222,353,745 9,609 9,459 9,741West Virginia 51,457,963 56,675,709 57,314,115 1,772 1,884 2,079Wisconsin 113,793,287 107,256,051 135,147,755 3,510 3,413 3,354Wyoming 6,770,566 5,291,192 4,713,457 149 150 167Countrywide 7,585,437,270 7,507,960,855 7,516,421,149 266,411 270,412 269,128

CW w/o TX and MA 6,757,073,602 6,733,162,382 6,843,890,498 263,183 267,282 265,827

Table 23B-1


Incurred Losses - Bodily Injury Incurred Claims - Bodily InjuryTotal Business



STATE 2014 2013 2012 2014 2013 2012Alabama 313,226 272,339 248,125 40 30 18Alaska 6,346,704 7,020,765 6,582,470 3,230 3,692 3,771Arizona 89,012 131,425 85,407 77 113 70Arkansas 26,363,013 24,180,135 23,147,263 14,322 13,626 13,702California 36,237,514 32,597,304 31,278,176 17,243 16,667 16,232Colorado 3,729,523 4,071,105 3,371,029 1,596 1,768 1,643Connecticut 0 2,783 8,143 0 5 4Delaware 7,108,316 6,142,570 6,068,487 4,917 4,643 4,520District of Columbia 7,873,351 6,737,228 6,160,821 6,122 5,561 5,181Florida 818 2,781 250 1 4 1Georgia 76,240,818 66,994,014 60,436,195 40,508 37,645 35,911Hawaii 0 0 0 0 0 0Idaho 614,203 674,920 409,176 372 395 293Illinois 4,954,841 4,986,324 4,761,707 2,001 2,085 2,109Indiana 25,209,160 21,171,324 20,301,071 12,658 11,984 11,876Iowa 18,971 17,484 9,805 9 6 6Kansas 97,279 60,118 79,915 39 20 29Kentucky 83,031 50,957 62,241 15 8 13Louisiana 3,999,187 3,902,684 3,451,027 1,425 1,424 1,384Maine 0 1,975 4,936 0 8 14Maryland 62,810,245 56,441,118 51,055,202 44,371 42,251 39,975Massachusetts 0 0 0 0 0 0Michigan 9,199 39,270 10,647 9 9 5Minnesota 53,202 11,936 7,058 31 11 13Mississippi 35,223,101 33,074,495 29,606,394 18,211 18,250 18,438Missouri 185,360 159,306 150,377 63 58 68Montana 379,477 333,869 142,907 117 120 74Nebraska 25,853 17,293 11,334 13 7 7Nevada 84,301 29,978 59,197 32 23 34New Hampshire 176,635 97,413 75,229 69 52 65New Jersey 12,321,399 12,918,875 12,612,454 4,151 4,462 4,305New Mexico 28,066,987 25,872,409 24,477,450 12,560 12,090 12,227New York 917,557 18,935 7,797 90 6 5North Carolina 10,922,395 10,142,354 9,611,902 6,846 6,965 7,260North Dakota 0 1,447 0 0 2 0Ohio 7,037,778 7,016,078 7,688,757 3,031 3,281 3,369Oklahoma 1,832 10,208 28,246 2 3 5Oregon 18,985,476 16,380,543 15,994,383 12,391 11,753 11,859Pennsylvania 548,453 249,168 250,259 55 19 23Rhode Island 6,335,398 6,071,775 6,319,662 2,279 2,313 2,554South Carolina 30,344,003 27,724,701 25,087,176 22,587 22,216 21,989South Dakota 9,835 10,741 10,695 3 7 8Tennessee 69,962,821 65,304,905 60,527,410 33,526 33,040 32,580Texas 0 0 0 n/a n/a n/aUtah 799,916 856,133 797,292 365 406 394Vermont 3,471,420 3,217,390 3,256,627 3,780 3,590 3,300Virginia 43,713,413 39,648,287 39,910,639 54,235 52,939 53,821Washington 65,809,404 57,628,921 54,567,035 33,752 32,070 31,140West Virginia 10,288,938 9,742,114 11,112,032 5,505 5,678 6,228Wisconsin 1,396,634 1,023,443 2,253,278 268 244 222Wyoming 32,962 10,593 14,980 10 5 4Countrywide 609,192,961 553,071,933 522,112,663 362,927 351,554 346,749

CW w/o TX and MA 609,192,961 553,071,933 522,112,663 362,927 351,554 346,749

Table 23B-2


Incurred Losses - Property Damage Incurred Claims - Property DamageTotal Business




CW w/o TX and MA 46.70 46.59 47.61 67.12 67.28 68.47

Table 23C






CW w/o TX and MA 42.84 43.05 44.23 61.57 62.17 63.62

Table 23C-1


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




CW w/o TX and MA 3.86 3.54 3.37 5.55 5.11 4.85

Table 23C-2


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




CW w/o TX and MA 0.17 0.17 0.17 25,674.43 25,191.23 25,745.66

Table 23D-1


Frequency - Bodily Injury Component Severity - Bodily Injury ComponentTotal Business



STATE 2014 2013 2012 2014 2013 2012Alabama 0.00 0.00 0.00 7,830.65 9,077.97 13,784.72Alaska 0.75 0.86 0.89 1,964.92 1,901.62 1,745.55Arizona 0.00 0.00 0.00 1,156.00 1,163.05 1,220.10Arkansas 0.84 0.81 0.81 1,840.74 1,774.56 1,689.33California 0.08 0.08 0.08 2,101.58 1,955.80 1,926.95Colorado 0.08 0.09 0.08 2,336.79 2,302.66 2,051.75Connecticut 0.00 0.00 0.00 - 556.60 2,035.75Delaware 0.85 0.82 0.82 1,445.66 1,322.97 1,342.59District of Columbia 2.57 2.37 2.25 1,286.07 1,211.51 1,189.12Florida 0.00 0.00 0.00 818.00 695.25 250.00Georgia 0.66 0.62 0.60 1,882.12 1,779.63 1,682.94Hawaii 0.00 0.00 0.00 - - -Idaho 0.04 0.04 0.03 1,651.08 1,708.66 1,396.51Illinois 0.03 0.03 0.03 2,476.18 2,391.52 2,257.80Indiana 0.29 0.29 0.29 1,991.56 1,766.63 1,709.42Iowa 0.00 0.00 0.00 2,107.89 2,914.00 1,634.17Kansas 0.00 0.00 0.00 2,494.33 3,005.90 2,755.69Kentucky 0.00 0.00 0.00 5,535.40 6,369.63 4,787.77Louisiana 0.07 0.07 0.07 2,806.45 2,740.65 2,493.52Maine 0.00 0.00 0.00 - 246.88 352.57Maryland 1.14 1.10 1.05 1,415.57 1,335.85 1,277.18Massachusetts 0.00 0.00 0.00 - - -Michigan 0.00 0.00 0.00 1,022.11 4,363.33 2,129.40Minnesota 0.00 0.00 0.00 1,716.19 1,085.09 542.92Mississippi 1.12 1.13 1.16 1,934.17 1,812.30 1,605.73Missouri 0.00 0.00 0.00 2,942.22 2,746.66 2,211.43Montana 0.02 0.02 0.02 3,243.39 2,782.24 1,931.18Nebraska 0.00 0.00 0.00 1,988.69 2,470.43 1,619.14Nevada 0.00 0.00 0.00 2,634.41 1,303.39 1,741.09New Hampshire 0.01 0.01 0.01 2,559.93 1,873.33 1,157.37New Jersey 0.08 0.08 0.08 2,968.30 2,895.31 2,929.72New Mexico 1.17 1.12 1.14 2,234.63 2,139.98 2,001.92New York 0.00 0.00 0.00 10,195.08 3,155.83 1,559.40North Carolina 0.11 0.11 0.11 1,595.44 1,456.19 1,323.95North Dakota 0.00 0.00 0.00 - 723.50 -Ohio 0.05 0.05 0.05 2,321.93 2,138.40 2,282.21Oklahoma 0.00 0.00 0.00 916.00 3,402.67 5,649.20Oregon 0.50 0.47 0.48 1,532.20 1,393.73 1,348.71Pennsylvania 0.00 0.00 0.00 9,971.87 13,114.11 10,880.83Rhode Island 0.57 0.59 0.66 2,779.90 2,625.06 2,474.42South Carolina 0.65 0.65 0.66 1,343.43 1,247.96 1,140.90South Dakota 0.00 0.00 0.00 3,278.33 1,534.43 1,336.88Tennessee 0.82 0.82 0.81 2,086.82 1,976.54 1,857.81Texas n/a n/a n/a n/a n/a n/aUtah 0.02 0.03 0.03 2,191.55 2,108.70 2,023.58Vermont 0.93 0.91 0.85 918.37 896.21 986.86Virginia 0.90 0.89 0.90 806.00 748.94 741.54Washington 1.04 1.00 0.99 1,949.79 1,796.97 1,752.31West Virginia 0.47 0.49 0.54 1,869.02 1,715.77 1,784.21Wisconsin 0.01 0.01 0.01 5,211.32 4,194.44 10,149.90Wyoming 0.00 0.00 0.00 3,296.20 2,118.60 3,745.00Countrywide 0.22 0.22 0.22 1,678.56 1,573.22 1,505.74

CW w/o TX and MA 0.23 0.22 0.22 1,678.56 1,573.22 1,505.74

Table 23D-2


Frequency - Property Damage Component Severity - Property Damage ComponentTotal Business


Total Liability


Total Liability


Total Liability earned premium and incurred losses are the sums of the respective amounts reported for:

Bodily injury liability (BI) Property damage liability (PD) BI/PD combined single limits (CSL) Personal injury protection (PIP) Uninsured/underinsured motorist (UM/UIM) Medical payments Other liability (not shown separately)

Total liability earned exposures are the sum of bodily injury liability and combined single limit earned exposures.

Florida Florida requires PIP coverage, but does not require bodily injury liability. In light of this, PIP exposures are reported in the following tables for Florida in lieu of the sum of bodily injury and combined single limit exposures.



STATE 2014 2013 2012 2014 2013 2012Alabama 1,318,979,733 1,243,345,690 1,169,905,539 3,469,435 3,394,795 3,275,647Alaska 262,080,524 260,488,790 254,159,946 458,807 454,111 448,006Arizona 2,057,220,638 1,944,292,712 1,813,533,887 4,069,372 3,993,069 3,857,579Arkansas 778,146,554 752,830,923 731,792,982 2,010,865 1,996,684 1,974,907California 12,021,924,596 11,233,569,780 10,701,704,020 25,199,604 24,711,704 24,301,731Colorado 1,824,410,207 1,702,476,272 1,597,203,546 3,744,095 3,710,171 3,626,279Connecticut 1,493,423,874 1,465,818,466 1,432,416,434 2,288,336 2,274,193 2,263,453Delaware 495,867,746 474,816,482 458,697,706 629,134 615,686 604,966District of Columbia 147,013,748 143,733,033 141,609,657 239,816 235,678 232,238Florida 9,969,931,381 9,926,904,188 9,627,509,025 12,120,911 11,772,232 11,525,342Georgia 3,494,934,481 3,238,563,757 2,996,352,256 6,486,448 6,387,060 6,304,322Hawaii 375,547,412 367,645,380 360,747,601 824,714 807,503 795,088Idaho 355,416,459 338,052,708 327,218,822 1,040,996 1,034,824 1,021,331Illinois 2,952,096,181 2,888,527,804 2,841,629,248 6,826,617 6,835,737 6,777,365Indiana 1,638,230,858 1,572,532,672 1,543,133,587 4,511,774 4,353,260 4,227,819Iowa 687,394,634 669,680,441 659,839,445 2,384,584 2,369,027 2,338,792Kansas 740,934,565 714,264,864 689,629,540 2,151,729 2,160,832 2,139,754Kentucky 1,581,498,327 1,549,480,595 1,511,292,679 3,064,643 3,026,737 2,998,685Louisiana 2,039,647,974 1,929,743,564 1,841,603,016 2,748,528 2,701,121 2,663,970Maine 288,131,783 280,144,828 277,589,339 871,487 854,890 853,403Maryland 2,347,280,442 2,272,166,265 2,240,769,278 3,978,246 3,925,654 3,879,425Massachusetts 2,416,655,401 2,320,819,350 2,236,892,351 4,125,515 4,038,933 3,984,196Michigan 4,224,325,244 3,883,256,315 3,395,224,427 5,520,602 5,499,938 5,433,071Minnesota 1,684,438,691 1,630,920,725 1,557,423,275 3,780,981 3,763,823 3,701,390Mississippi 817,005,789 777,992,354 751,433,823 1,848,989 1,826,267 1,791,782Missouri 1,609,693,667 1,573,260,537 1,533,471,185 4,002,645 4,006,928 3,970,365Montana 280,783,015 272,968,543 264,800,403 724,306 718,703 701,633Nebraska 511,810,627 497,180,162 482,810,516 1,471,411 1,461,266 1,441,470Nevada 1,137,793,872 1,060,277,193 1,006,713,899 1,702,879 1,675,035 1,640,201New Hampshire 340,500,186 327,565,497 322,806,121 885,320 862,566 849,680New Jersey 4,648,178,187 4,539,288,693 4,368,272,077 5,296,942 5,217,809 5,157,267New Mexico 659,765,196 628,925,559 602,395,649 1,364,375 1,377,289 1,368,101New York 7,202,828,470 7,073,523,652 6,879,087,529 9,151,464 9,087,058 9,038,575North Carolina 2,364,028,656 2,427,866,499 2,509,772,349 6,788,856 6,950,254 7,098,743North Dakota 159,557,564 150,033,170 139,675,754 542,818 533,299 515,226Ohio 2,991,098,674 2,823,778,805 2,738,550,499 7,855,957 7,799,897 7,762,034Oklahoma 1,162,513,427 1,112,308,780 1,065,153,358 2,605,628 2,599,382 2,558,504Oregon 1,498,259,886 1,413,506,709 1,335,140,980 2,620,182 2,612,564 2,597,387Pennsylvania 4,055,655,276 3,993,711,519 3,988,680,075 8,313,847 8,254,118 8,265,207Rhode Island 461,061,328 445,866,160 438,327,450 637,609 635,379 634,674South Carolina 1,742,306,055 1,661,569,008 1,594,341,287 3,456,660 3,387,509 3,338,785South Dakota 184,364,760 176,481,110 166,699,272 638,913 629,814 611,869Tennessee 1,775,944,871 1,697,184,573 1,619,933,554 4,340,129 4,273,839 4,213,851Texas 8,771,204,653 8,264,617,799 7,716,680,844 n/a n/a n/aUtah 808,380,842 763,632,811 737,929,960 1,715,058 1,697,492 1,668,622Vermont 139,700,413 136,409,479 132,474,886 409,732 397,680 391,077Virginia 2,509,929,744 2,430,194,870 2,358,310,357 6,021,910 5,992,103 5,963,179Washington 2,426,858,613 2,310,901,617 2,232,722,209 4,183,372 4,145,432 4,098,311West Virginia 639,236,408 635,742,803 635,214,455 1,272,810 1,269,487 1,270,270Wisconsin 1,378,839,348 1,335,391,535 1,297,437,452 3,824,380 3,833,227 3,769,332Wyoming 138,598,568 133,196,983 131,038,344 425,414 424,127 419,952Countrywide 105,611,429,548 101,467,452,024 97,457,751,893 184,648,845 182,586,186 180,364,856

CW w/o Texas 96,840,224,895 93,202,834,225 89,741,071,049 184,648,845 182,586,186 180,364,856

*Total includes Other Liability that is not reported separately in this publication.

Table 24A

Total Liability 2012-2014*




STATE 2014 2013 2012Alabama 1,035,991,886 990,379,883 919,686,110Alaska 168,005,027 173,513,935 190,986,202Arizona 1,588,799,923 1,545,157,382 1,489,586,853Arkansas 585,050,841 561,547,174 556,267,341California 7,888,120,036 7,721,307,700 7,465,761,531Colorado 1,574,486,202 1,465,728,879 1,348,165,213Connecticut 1,083,104,852 1,141,666,715 1,129,718,350Delaware 362,700,879 370,237,440 355,886,626District of Columbia 117,332,945 112,704,648 108,029,698Florida 8,120,879,082 7,363,255,470 7,279,034,843Georgia 3,008,842,241 2,926,994,140 2,777,632,103Hawaii 238,537,296 224,379,395 228,080,406Idaho 260,286,777 243,088,471 230,213,585Illinois 2,304,283,914 2,235,676,689 2,171,059,166Indiana 1,259,787,968 1,193,789,247 1,183,220,768Iowa 540,428,608 475,394,258 458,030,282Kansas 557,142,054 511,116,785 518,882,773Kentucky 1,204,829,421 1,174,952,005 1,187,222,198Louisiana 1,751,530,446 1,662,668,909 1,583,517,224Maine 211,402,867 209,862,144 196,619,668Maryland 1,866,337,634 1,821,046,487 1,760,238,490Massachusetts 1,560,685,124 1,492,362,493 1,425,575,080Michigan 2,905,107,692 3,643,576,014 3,835,919,772Minnesota 1,198,606,869 1,173,741,655 1,102,137,518Mississippi 639,321,068 596,318,830 568,201,018Missouri 1,178,676,249 1,137,749,793 1,127,237,470Montana 195,255,115 185,491,774 179,927,441Nebraska 408,000,876 376,152,528 352,351,139Nevada 911,037,830 893,692,889 880,812,976New Hampshire 254,327,124 244,312,550 244,121,231New Jersey 3,094,554,313 3,277,287,957 3,355,504,986New Mexico 483,481,014 479,432,387 461,467,708New York 5,184,608,064 5,359,123,842 5,131,645,609North Carolina 1,839,974,505 1,873,426,221 1,909,418,559North Dakota 110,834,409 105,445,698 102,578,162Ohio 2,187,102,739 2,069,981,941 2,077,025,352Oklahoma 798,258,153 794,217,524 783,003,780Oregon 1,093,370,511 1,042,642,329 1,063,128,293Pennsylvania 2,874,904,603 2,964,713,320 2,955,771,026Rhode Island 373,075,222 350,431,029 349,301,991South Carolina 1,438,584,228 1,343,878,580 1,281,740,196South Dakota 130,827,297 128,313,875 116,404,723Tennessee 1,296,120,706 1,246,943,883 1,238,663,291Texas 5,888,996,689 5,542,062,880 4,777,591,173Utah 607,393,421 588,883,028 565,182,837Vermont 96,410,746 101,154,101 91,241,797Virginia 1,909,886,494 1,866,439,657 1,870,448,856Washington 1,928,024,610 1,793,653,437 1,825,738,234West Virginia 402,310,617 403,315,721 419,823,307Wisconsin 1,110,815,527 1,053,088,920 1,043,077,282Wyoming 99,540,542 89,911,215 87,935,986Countrywide 77,927,973,256 76,342,213,827 74,360,816,223

CW w/o Texas 72,038,976,567 70,800,150,947 69,583,225,050


Incurred Losses

Table 24B

Voluntary BusinessTotal Liability 2012-2014*




CW w/o Texas 390.14 387.76 385.79 74.39 75.96 77.54


Table 24C





STATE 2014 2013 2012 2014 2013 2012Alabama 5,260 2,070 947 2 1 0Alaska 13,317 7,842 12,939 7 5 8Arizona 0 0 646 0 0 1Arkansas 3,713 3,431 1,859 2 2 2California 516,917 642,249 689,592 376 567 622Colorado -134 0 0 0 0 0Connecticut 207,853 247,292 232,559 137 182 179Delaware 579 852 3,798 0 0 2District of Columbia 215,829 267,618 278,472 115 139 145Florida 1,791,791 3,949,793 3,567,460 744 1,768 1,677Georgia 0 0 0 0 0 0Hawaii 3,233,632 3,633,410 4,138,708 1,614 2,382 2,977Idaho 2,034 103 5,144 2 0 7Illinois 327,526 424,399 521,742 356 514 670Indiana 6,488 6,571 2,001 5 5 2Iowa 11,687 10,673 9,390 9 12 15Kansas 1,063,853 994,290 1,070,642 1,784 1,671 1,748Kentucky 428,437 291,817 67,617 302 199 39Louisiana 6,506 2,222 302 2 1 0Maine 8,443 10,121 14,352 8 10 15Maryland 52,063,030 53,395,003 58,730,028 40,869 41,497 45,164Massachusetts 88,968,910 110,013,794 119,877,616 69,457 91,288 103,624Michigan 13,158,193 11,266,320 1,621,321 5,457 5,349 732Minnesota 2,822 29,641 17,475 4 18 10Mississippi 15,272 17,095 29,516 10 13 18Missouri 1,029 8,565 14,658 1 12 20Montana 10,023 22,343 54,089 11 23 72Nebraska 289 2,419 1,464 0 1 1Nevada 52 906 1,820 0 2 2New Hampshire 124,217 131,841 156,158 104 108 132New Jersey 25,783,255 39,244,593 51,125,541 5,667 9,582 14,319New Mexico 988 1,811 1,519 1 1 1New York 82,535,473 101,215,295 127,273,431 45,013 52,978 70,709North Carolina 0 0 0 0 0 0North Dakota 4,964 5,387 3,336 5 2 1Ohio 0 0 0 0 0 0Oklahoma 12,436 17,249 12,379 10 16 15Oregon 693 166 2,879 1 1 2Pennsylvania 3,850,129 3,850,333 4,427,581 6,950 6,996 8,123Rhode Island 13,762,241 11,767,447 9,734,274 12,401 10,846 9,118South Carolina 3,539 506 0 1 0 0South Dakota 1,200 0 0 0 0 0Tennessee 7,443 14,542 15,544 6 9 12Texas 1,914,706 2,362,884 2,785,082 n/a n/a n/aUtah 5,225 5,259 931 4 5 1Vermont 48,425 63,173 101,426 38 53 87Virginia 566,627 659,123 807,245 448 527 660Washington 1,109 0 0 0 0 0West Virginia 11,821 21,321 20,907 6 12 11Wisconsin 4,316 661 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 290,702,158 344,612,430 387,434,390 191,929 226,797 260,943

CW w/o Texas 288,787,452 342,249,546 384,649,308 191,929 226,797 260,943


Table 25A





STATE 2014 2013 2012Alabama 1,040 3,531 0Alaska 0 0 0Arizona 0 0 0Arkansas 0 7,609 0California 311,398 528,159 458,890Colorado 0 0 0Connecticut 130,044 212,649 119,839Delaware 0 0 0District of Columbia 299,736 147,831 265,303Florida 4,625,459 7,088,579 9,780,121Georgia 0 0 0Hawaii 1,016,061 1,036,944 1,600,611Idaho 0 0 0Illinois 164,411 218,851 571,795Indiana 0 0 0Iowa 9,657 0 0Kansas 948,702 780,011 1,068,430Kentucky 1,334,260 234,284 38,741Louisiana 0 1,640 0Maine 40,658 62,303 0Maryland 52,719,311 50,136,216 53,551,499Massachusetts 74,474,140 90,859,039 108,322,175Michigan 5,280,194 11,627,582 1,329,788Minnesota 0 39,090 58,528Mississippi 675 0 0Missouri 0 0 19,483Montana 3,067 5,810 17,308Nebraska 0 30,246 26,005Nevada 0 0 0New Hampshire 17,399 9,589 67,609New Jersey 18,761,996 29,995,052 40,564,528New Mexico 0 0 0New York 77,496,214 98,715,100 117,915,219North Carolina 0 0 0North Dakota 2,983 0 0Ohio 0 0 0Oklahoma 59,892 0 10,666Oregon 0 0 0Pennsylvania 4,420,180 4,097,213 4,622,164Rhode Island 15,016,949 13,164,004 10,694,202South Carolina 0 0 0South Dakota 0 0 0Tennessee 0 2,177 1,938Texas 1,651,733 2,365,153 2,722,631Utah 0 0 0Vermont 55,630 6,001 26,912Virginia 229,131 966,124 488,647Washington 0 0 0West Virginia 7,644 123,605 51,187Wisconsin 0 0 0Wyoming 0 0 0Countrywide 259,078,564 312,464,392 354,394,219

CW w/o Texas 257,426,831 310,099,239 351,671,588


Incurred Losses

Table 25B

Total Liability 2012-2014*Residual Business



STATE 2014 2013 2012 2014 2013 2012Alabama 520.00 3,531.00 - 19.77 170.58 0.00Alaska 0.00 0.00 0.00 0.00 0.00 0.00Arizona - - 0.00 - - 0.00Arkansas 0.00 3,804.50 0.00 0.00 221.77 0.00California 828.19 931.50 737.77 60.24 82.24 66.55Colorado - - - 0.00 - -Connecticut 949.23 1,168.40 669.49 62.57 85.99 51.53Delaware - - 0.00 0.00 0.00 0.00District of Columbia 2,606.40 1,063.53 1,829.68 138.88 55.24 95.27Florida 6,217.01 4,009.38 5,831.91 258.15 179.47 274.15Georgia - - - - - -Hawaii 629.53 435.32 537.66 31.42 28.54 38.67Idaho 0.00 - 0.00 0.00 0.00 0.00Illinois 461.83 425.78 853.43 50.20 51.57 109.59Indiana 0.00 0.00 0.00 0.00 0.00 0.00Iowa 1,073.00 0.00 0.00 82.63 0.00 0.00Kansas 531.78 466.79 611.23 89.18 78.45 99.79Kentucky 4,418.08 1,177.31 993.36 311.43 80.28 57.29Louisiana 0.00 1,640.00 - 0.00 73.81 0.00Maine 5,082.25 6,230.30 0.00 481.56 615.58 0.00Maryland 1,289.96 1,208.19 1,185.71 101.26 93.90 91.18Massachusetts 1,072.23 995.30 1,045.34 83.71 82.59 90.36Michigan 967.60 2,173.79 1,816.65 40.13 103.21 82.02Minnesota 0.00 2,171.67 5,852.80 0.00 131.88 334.92Mississippi 67.50 0.00 0.00 4.42 0.00 0.00Missouri 0.00 0.00 974.15 0.00 0.00 132.92Montana 278.82 252.61 240.39 30.60 26.00 32.00Nebraska - 30,246.00 26,005.00 0.00 1,250.35 1,776.30Nevada - 0.00 0.00 0.00 0.00 0.00New Hampshire 167.30 88.79 512.19 14.01 7.27 43.30New Jersey 3,310.75 3,130.35 2,832.92 72.77 76.43 79.34New Mexico 0.00 0.00 0.00 0.00 0.00 0.00New York 1,721.64 1,863.32 1,667.61 93.89 97.53 92.65North Carolina - - - - - -North Dakota 596.60 0.00 0.00 60.09 0.00 0.00Ohio - - - - - -Oklahoma 5,989.20 0.00 711.07 481.60 0.00 86.16Oregon 0.00 0.00 0.00 0.00 0.00 0.00Pennsylvania 636.00 585.65 569.02 114.81 106.41 104.39Rhode Island 1,210.95 1,213.72 1,172.87 109.12 111.87 109.86South Carolina 0.00 - - 0.00 0.00 -South Dakota - - - 0.00 - -Tennessee 0.00 241.89 161.50 0.00 14.97 12.47Texas n/a n/a n/a 86.27 100.10 97.76Utah 0.00 0.00 0.00 0.00 0.00 0.00Vermont 1,463.95 113.23 309.33 114.88 9.50 26.53Virginia 511.45 1,833.25 740.37 40.44 146.58 60.53Washington - - - 0.00 - -West Virginia 1,274.00 10,300.42 4,653.36 64.66 579.73 244.83Wisconsin - - - 0.00 0.00 -Wyoming - - - - - -Countrywide 1,349.87 1,377.73 1,358.13 89.12 90.67 91.47

CW w/o Texas 1,341.26 1,367.30 1,347.70 89.14 90.61 91.43


Table 25C





STATE 2014 2013 2012 2014 2013 2012Alabama 1,318,984,993 1,243,347,760 1,169,906,486 3,469,437 3,394,796 3,275,647Alaska 262,093,841 260,496,632 254,172,885 458,814 454,116 448,014Arizona 2,057,220,638 1,944,292,712 1,813,534,533 4,069,372 3,993,069 3,857,580Arkansas 778,150,267 752,834,354 731,794,841 2,010,867 1,996,686 1,974,909California 12,022,441,513 11,234,212,029 10,702,393,612 25,199,980 24,712,271 24,302,353Colorado 1,824,410,073 1,702,476,272 1,597,203,546 3,744,095 3,710,171 3,626,279Connecticut 1,493,631,727 1,466,065,758 1,432,648,993 2,288,473 2,274,375 2,263,632Delaware 495,868,325 474,817,334 458,701,504 629,134 615,686 604,968District of Columbia 147,229,577 144,000,651 141,888,129 239,931 235,817 232,383Florida 9,971,723,172 9,930,853,981 9,631,076,485 12,121,655 11,774,000 11,527,019Georgia 3,494,934,481 3,238,563,757 2,996,352,256 6,486,448 6,387,060 6,304,322Hawaii 378,781,044 371,278,790 364,886,309 826,328 809,885 798,065Idaho 355,418,493 338,052,811 327,223,966 1,040,998 1,034,824 1,021,338Illinois 2,952,423,707 2,888,952,203 2,842,150,990 6,826,973 6,836,251 6,778,035Indiana 1,638,237,346 1,572,539,243 1,543,135,588 4,511,779 4,353,265 4,227,821Iowa 687,406,321 669,691,114 659,848,835 2,384,593 2,369,039 2,338,807Kansas 741,998,418 715,259,154 690,700,182 2,153,513 2,162,503 2,141,502Kentucky 1,581,926,764 1,549,772,412 1,511,360,296 3,064,945 3,026,936 2,998,724Louisiana 2,039,654,480 1,929,745,786 1,841,603,318 2,748,530 2,701,122 2,663,970Maine 288,140,226 280,154,949 277,603,691 871,495 854,900 853,418Maryland 2,399,343,472 2,325,561,268 2,299,499,306 4,019,115 3,967,151 3,924,589Massachusetts 2,505,624,311 2,430,833,144 2,356,769,967 4,194,972 4,130,221 4,087,820Michigan 4,237,483,437 3,894,522,635 3,396,845,748 5,526,059 5,505,287 5,433,803Minnesota 1,684,441,513 1,630,950,366 1,557,440,750 3,780,985 3,763,841 3,701,400Mississippi 817,021,061 778,009,449 751,463,339 1,848,999 1,826,280 1,791,800Missouri 1,609,694,696 1,573,269,102 1,533,485,843 4,002,646 4,006,940 3,970,385Montana 280,793,038 272,990,886 264,854,492 724,317 718,726 701,705Nebraska 511,810,916 497,182,581 482,811,980 1,471,411 1,461,267 1,441,471Nevada 1,137,793,924 1,060,278,099 1,006,715,719 1,702,879 1,675,037 1,640,203New Hampshire 340,624,403 327,697,338 322,962,279 885,424 862,674 849,812New Jersey 4,673,961,442 4,578,533,286 4,419,397,618 5,302,609 5,227,391 5,171,586New Mexico 659,766,184 628,927,370 602,397,168 1,364,376 1,377,290 1,368,102New York 7,285,363,943 7,174,738,947 7,006,360,960 9,196,477 9,140,036 9,109,284North Carolina 2,364,028,656 2,427,866,499 2,509,772,349 6,788,856 6,950,254 7,098,743North Dakota 159,562,528 150,038,557 139,679,090 542,823 533,301 515,227Ohio 2,991,098,674 2,823,778,805 2,738,550,499 7,855,957 7,799,897 7,762,034Oklahoma 1,162,525,863 1,112,326,029 1,065,165,737 2,605,638 2,599,398 2,558,519Oregon 1,498,260,579 1,413,506,875 1,335,143,859 2,620,183 2,612,565 2,597,389Pennsylvania 4,059,505,405 3,997,561,852 3,993,107,656 8,320,797 8,261,114 8,273,330Rhode Island 474,823,569 457,633,607 448,061,724 650,010 646,225 643,792South Carolina 1,742,309,594 1,661,569,514 1,594,341,287 3,456,661 3,387,509 3,338,785South Dakota 184,365,960 176,481,110 166,699,272 638,913 629,814 611,869Tennessee 1,775,952,314 1,697,199,115 1,619,949,098 4,340,135 4,273,848 4,213,863Texas 8,773,119,359 8,266,980,683 7,719,465,926 n/a n/a n/aUtah 808,386,067 763,638,070 737,930,891 1,715,062 1,697,497 1,668,623Vermont 139,748,838 136,472,652 132,576,312 409,770 397,733 391,164Virginia 2,510,496,371 2,430,853,993 2,359,117,602 6,022,358 5,992,630 5,963,839Washington 2,426,859,722 2,310,901,617 2,232,722,209 4,183,372 4,145,432 4,098,311West Virginia 639,248,229 635,764,124 635,235,362 1,272,816 1,269,499 1,270,281Wisconsin 1,378,843,664 1,335,392,196 1,297,437,452 3,824,380 3,833,227 3,769,332Wyoming 138,598,568 133,196,983 131,038,344 425,414 424,127 419,952Countrywide 105,902,131,706 101,812,064,454 97,845,186,283 184,840,774 182,812,983 180,625,799

CW w/o Texas 97,129,012,347 93,545,083,771 90,125,720,357 184,840,774 182,812,983 180,625,799


Table 26A





STATE 2014 2013 2012Alabama 1,035,992,926 990,383,414 919,686,110Alaska 168,005,027 173,513,935 190,986,202Arizona 1,588,799,923 1,545,157,382 1,489,586,853Arkansas 585,050,841 561,554,783 556,267,341California 7,888,431,434 7,721,835,859 7,466,220,421Colorado 1,574,486,202 1,465,728,879 1,348,165,213Connecticut 1,083,234,896 1,141,879,364 1,129,838,189Delaware 362,700,879 370,237,440 355,886,626District of Columbia 117,632,681 112,852,479 108,295,001Florida 8,125,504,541 7,370,344,049 7,288,814,964Georgia 3,008,842,241 2,926,994,140 2,777,632,103Hawaii 239,553,357 225,416,339 229,681,017Idaho 260,286,777 243,088,471 230,213,585Illinois 2,304,448,325 2,235,895,540 2,171,630,961Indiana 1,259,787,968 1,193,789,247 1,183,220,768Iowa 540,438,265 475,394,258 458,030,282Kansas 558,090,756 511,896,796 519,951,203Kentucky 1,206,163,681 1,175,186,289 1,187,260,939Louisiana 1,751,530,446 1,662,670,549 1,583,517,224Maine 211,443,525 209,924,447 196,619,668Maryland 1,919,056,945 1,871,182,703 1,813,789,989Massachusetts 1,635,159,264 1,583,221,532 1,533,897,255Michigan 2,910,387,886 3,655,203,596 3,837,249,560Minnesota 1,198,606,869 1,173,780,745 1,102,196,046Mississippi 639,321,743 596,318,830 568,201,018Missouri 1,178,676,249 1,137,749,793 1,127,256,953Montana 195,258,182 185,497,584 179,944,749Nebraska 408,000,876 376,182,774 352,377,144Nevada 911,037,830 893,692,889 880,812,976New Hampshire 254,344,523 244,322,139 244,188,840New Jersey 3,113,316,309 3,307,283,009 3,396,069,514New Mexico 483,481,014 479,432,387 461,467,708New York 5,262,104,278 5,457,838,942 5,249,560,828North Carolina 1,839,974,505 1,873,426,221 1,909,418,559North Dakota 110,837,392 105,445,698 102,578,162Ohio 2,187,102,739 2,069,981,941 2,077,025,352Oklahoma 798,318,045 794,217,524 783,014,446Oregon 1,093,370,511 1,042,642,329 1,063,128,293Pennsylvania 2,879,324,783 2,968,810,533 2,960,393,190Rhode Island 388,092,171 363,595,033 359,996,193South Carolina 1,438,584,228 1,343,878,580 1,281,740,196South Dakota 130,827,297 128,313,875 116,404,723Tennessee 1,296,120,706 1,246,946,060 1,238,665,229Texas 5,890,648,422 5,544,428,033 4,780,313,804Utah 607,393,421 588,883,028 565,182,837Vermont 96,466,376 101,160,102 91,268,709Virginia 1,910,115,625 1,867,405,781 1,870,937,503Washington 1,928,024,610 1,793,653,437 1,825,738,234West Virginia 402,318,261 403,439,326 419,874,494Wisconsin 1,110,815,527 1,053,088,920 1,043,077,282Wyoming 99,540,542 89,911,215 87,935,986Countrywide 78,187,051,820 76,654,678,219 74,715,210,442

CW w/o Texas 72,296,403,398 71,110,250,186 69,934,896,638


Incurred Losses

Table 26B

Total BusinessTotal Liability 2012-2014*




CW w/o Texas 391.13 388.98 387.18 74.43 76.02 77.60


Table 26C




Collision


Collision Collision insurance pays for damage to the policyholder’s own car regardless of fault. A collision is defined as the upset (turning over) of a covered auto or its impact with another vehicle or stationary object. Coverage is limited in two ways. First, the amount the policyholder can collect is no more than the current market value of the vehicle immediately before the accident. Second, the policyholder selects a deductible, which is the amount he or she must pay

before the insurance company makes any payment. Generally, the higher the deductible, the lower the collision coverage premium. Physical damage coverages, (i.e., collision and comprehensive), are not required by law; however, when a car is purchased with a loan, the lender will usually require that the borrower purchase physical damage coverages until the loan is repaid.

Collision State-Specific Information and Technical Notes

Voluntary Market Business and Residual Market Business Collision Data Indivisible physical damage coverage (single premium and deductible for both collision and comprehensive coverages) data are included with collision data in the case that the data is reported to the statistical agent in this manner. Michigan—Michigan law imposes a tort limitation on collision damage. In an accident, the at-fault driver is only liable for a maximum of $500 for damage to another person’s vehicle that is “not covered by collision insurance.” The property damage liability coverage in a Michigan auto policy does not apply to collision damage. A policyholder can purchase Limited Property Damage Liability Coverage that pays this amount to the owner of the damaged vehicle. Loss Development

Collision incurred losses are not developed. Except:

California—Incurred losses are developed to 27 months.



STATE 2014 2013 2012 2014 2013 2012Alabama 721,738,332 685,002,487 665,312,611 2,417,109 2,363,800 2,304,838Alaska 109,633,156 108,630,432 105,818,584 304,251 297,205 289,609Arizona 794,782,357 739,033,781 683,080,064 3,009,527 2,933,583 2,798,975Arkansas 412,667,392 396,105,646 381,350,180 1,334,141 1,316,951 1,295,369California 6,431,958,388 6,081,764,182 5,742,770,361 17,453,051 16,964,675 16,600,609Colorado 724,137,066 684,137,359 650,266,893 2,734,503 2,680,198 2,592,251Connecticut 636,804,007 604,355,078 581,672,984 1,771,518 1,750,929 1,732,401Delaware 147,170,148 138,761,384 133,433,152 487,944 475,348 465,639District of Columbia 87,514,316 83,559,394 79,590,756 191,743 187,110 182,994Florida 2,281,486,697 2,069,631,121 1,986,670,818 9,164,657 8,842,750 8,613,875Georgia 1,490,136,502 1,434,004,123 1,408,280,435 4,671,313 4,563,411 4,448,986Hawaii 176,700,244 167,868,564 163,900,763 595,568 579,268 566,721Idaho 147,340,676 142,204,100 138,293,524 714,955 698,949 682,290Illinois 1,603,378,330 1,516,769,156 1,467,835,400 5,540,729 5,490,149 5,397,287Indiana 796,955,221 754,404,914 726,264,805 3,389,369 3,240,290 3,101,571Iowa 364,384,820 350,052,372 336,450,144 1,744,804 1,716,691 1,679,357Kansas 365,935,647 355,069,881 344,709,080 1,451,334 1,443,496 1,419,090Kentucky 514,046,885 491,816,292 471,346,685 1,983,082 1,944,954 1,913,337Louisiana 790,000,238 739,588,377 720,206,314 2,002,663 1,957,520 1,914,336Maine 157,767,545 149,127,981 144,046,932 607,547 587,398 576,943Maryland 1,060,676,256 1,011,694,118 974,284,026 3,185,006 3,127,460 3,075,326Massachusetts 1,278,282,049 1,193,725,423 1,107,318,578 3,493,822 3,420,429 3,359,435Michigan 1,606,044,903 1,540,342,927 1,483,339,289 4,136,823 4,080,820 4,001,003Minnesota 627,686,533 595,303,960 561,641,814 2,873,885 2,837,082 2,765,269Mississippi 386,966,394 368,136,677 353,943,334 1,267,332 1,242,413 1,212,003Missouri 753,599,622 736,283,245 712,837,431 2,891,675 2,871,020 2,827,640Montana 118,510,740 111,213,597 104,198,647 454,500 446,041 431,929Nebraska 225,977,336 216,292,255 206,130,914 995,690 980,096 957,401Nevada 361,416,390 348,074,178 342,185,913 1,247,967 1,208,576 1,170,521New Hampshire 212,799,883 197,057,069 186,971,836 745,310 714,474 693,662New Jersey 1,488,001,939 1,436,294,305 1,379,582,864 4,042,433 3,955,504 3,881,865New Mexico 225,677,542 222,807,061 220,162,961 855,667 853,499 838,542New York 2,483,899,023 2,381,004,567 2,295,677,982 6,825,337 6,751,211 6,670,346North Carolina 1,191,118,485 1,151,885,632 1,106,172,537 4,550,702 4,569,715 4,574,261North Dakota 90,758,600 83,613,109 74,162,001 371,209 358,496 339,646Ohio 1,558,843,608 1,486,211,092 1,420,252,453 6,061,540 5,960,779 5,870,218Oklahoma 514,488,612 492,444,157 476,507,555 1,714,902 1,693,892 1,653,741Oregon 410,720,193 391,347,168 378,298,043 1,937,121 1,905,614 1,876,082Pennsylvania 2,029,924,166 1,931,926,073 1,887,352,085 6,539,903 6,438,072 6,360,332Rhode Island 175,014,576 164,417,008 156,444,332 453,890 445,508 438,198South Carolina 619,661,229 584,623,517 561,402,047 2,489,599 2,412,322 2,349,280South Dakota 85,581,012 81,552,238 75,973,205 421,828 412,390 396,784Tennessee 915,156,293 871,182,561 818,802,346 3,069,427 3,006,489 2,948,609Texas 4,172,564,421 3,809,164,419 3,513,325,862 n/a n/a n/aUtah 326,254,205 312,554,862 300,704,763 1,283,363 1,248,523 1,205,591Vermont 92,074,254 86,568,661 82,685,510 318,655 305,332 295,748Virginia 1,235,571,559 1,179,498,918 1,131,710,290 4,582,460 4,526,156 4,464,890Washington 807,657,509 763,733,432 742,661,636 3,246,951 3,176,523 3,127,379West Virginia 277,401,330 268,236,264 260,933,481 854,478 842,797 832,462Wisconsin 644,924,650 611,995,883 577,510,063 2,996,312 2,964,260 2,890,643Wyoming 74,336,316 71,746,008 71,608,509 278,288 274,898 269,371Countrywide 44,806,127,595 42,392,817,008 40,496,082,792 135,755,883 133,065,066 130,354,655

CW w/o Texas 40,633,563,174 38,583,652,589 36,982,756,930 135,755,883 133,065,066 130,354,655

Table 27A

Collision 2012-2014




STATE 2014 2013 2012 2014 2013 2012Alabama 555,286,117 515,838,244 474,099,266 141,015 133,069 131,740Alaska 67,028,107 70,500,106 68,475,222 15,826 16,868 16,929Arizona 588,480,800 569,753,770 513,897,425 157,229 150,486 145,546Arkansas 313,116,171 291,723,069 259,635,677 75,028 72,262 69,637California 4,385,085,580 3,827,509,443 3,573,412,053 1,164,310 1,103,745 1,064,157Colorado 603,050,875 553,839,911 467,353,333 157,043 147,024 134,954Connecticut 446,450,194 434,612,557 396,559,832 106,118 103,542 98,238Delaware 108,861,736 104,126,577 93,537,728 30,694 29,356 27,467District of Columbia 57,602,886 52,430,809 46,749,602 18,898 17,055 16,512Florida 1,954,064,415 1,721,747,721 1,551,077,477 502,224 454,792 441,594Georgia 1,064,146,145 975,715,782 882,818,039 271,382 252,168 237,668Hawaii 123,907,944 115,892,903 105,473,038 32,813 31,587 30,499Idaho 108,811,095 100,501,208 85,930,198 30,779 28,954 26,198Illinois 1,208,810,082 1,111,987,984 1,036,829,426 351,401 321,442 312,798Indiana 629,518,982 570,554,502 525,060,725 176,659 155,376 152,152Iowa 278,338,144 256,830,196 227,224,937 78,274 75,889 71,579Kansas 270,861,049 259,723,431 238,851,800 70,148 69,664 69,758Kentucky 382,446,433 353,855,902 341,937,131 111,635 95,088 93,097Louisiana 622,826,725 587,968,885 532,906,003 144,492 140,702 136,034Maine 106,611,868 101,011,528 92,634,649 32,765 29,992 27,892Maryland 810,198,088 750,653,949 689,120,106 228,380 212,888 204,527Massachusetts 773,926,966 708,292,322 661,827,323 247,039 234,663 222,016Michigan 1,332,960,820 1,205,651,821 1,119,321,005 360,273 329,249 320,085Minnesota 503,780,380 466,398,423 388,043,582 154,641 142,405 128,245Mississippi 298,110,732 270,393,504 246,911,547 71,663 70,430 66,867Missouri 587,999,049 546,686,997 495,688,167 154,674 148,014 143,789Montana 83,280,717 73,631,557 66,333,514 20,900 19,095 18,050Nebraska 171,534,321 158,986,217 141,127,660 44,718 44,857 43,745Nevada 274,432,715 246,834,555 224,080,204 68,630 63,405 60,347New Hampshire 145,194,951 136,717,033 125,118,431 45,369 41,947 39,358New Jersey 1,038,565,963 983,538,103 871,263,495 252,975 244,050 227,778New Mexico 166,747,691 159,305,081 141,530,626 44,204 42,875 41,059New York 2,015,813,187 1,893,327,372 1,674,940,202 451,386 423,651 393,805North Carolina 792,567,500 752,680,912 725,005,618 225,084 221,138 219,494North Dakota 65,545,675 62,696,368 52,379,524 19,126 19,108 16,121Ohio 1,148,566,555 1,048,897,674 971,261,041 336,384 313,510 307,515Oklahoma 389,237,141 364,726,858 331,064,368 92,234 87,726 83,696Oregon 317,558,833 293,475,694 277,999,699 94,807 88,066 87,627Pennsylvania 1,553,205,670 1,473,233,671 1,329,275,561 432,992 411,683 390,394Rhode Island 137,983,745 122,508,570 112,233,632 32,010 28,730 27,478South Carolina 473,211,606 431,169,086 386,023,274 133,004 123,202 116,267South Dakota 62,848,903 58,698,681 49,519,021 17,109 17,027 15,535Tennessee 653,307,721 612,792,416 582,122,695 150,839 142,725 142,955Texas 2,824,170,015 2,556,167,153 2,326,827,681 n/a n/a n/aUtah 232,274,320 233,893,765 198,387,181 62,229 62,845 57,155Vermont 63,947,067 60,631,653 52,206,083 17,251 15,991 14,597Virginia 880,669,632 848,104,524 811,244,285 271,676 263,185 261,607Washington 599,963,606 544,403,847 523,077,644 164,804 153,133 152,304West Virginia 188,196,027 178,798,151 167,277,745 42,258 40,637 39,839Wisconsin 491,069,235 467,063,095 397,670,075 148,417 140,833 126,573Wyoming 57,267,174 52,109,953 47,073,754 14,060 13,222 12,404Countrywide 33,009,441,353 30,338,593,533 27,700,418,304 8,067,869 7,589,351 7,285,681

CW w/o Texas 30,185,271,338 27,782,426,380 25,373,590,623 8,067,869 7,589,351 7,285,681

Table 27B

Collision 2012-2014





CW w/o Texas 222.35 208.79 194.65 74.29 72.01 68.61

Table 27C

Collision 2012-2014





CW w/o Texas 5.94 5.70 5.59 3,741.42 3,660.71 3,482.67

Table 27D

Collision 2012-2014




STATE 2014 2013 2012 2014 2013 2012Alabama 0 0 0 0 0 0Alaska 398 334 1,389 1 1 1Arizona 0 0 0 0 0 0Arkansas 0 0 412 0 0 1California 0 0 0 0 0 0Colorado 0 0 0 0 0 0Connecticut 24,162 20,984 21,259 19 16 18Delaware 235 0 267 0 0 1District of Columbia 40,679 50,844 64,409 21 29 42Florida 150,588 249,804 172,963 144 232 219Georgia 0 0 0 0 0 0Hawaii 29,956 34,486 84,606 35 49 129Idaho 95 -97 233 0 0 0Illinois 65,379 95,473 131,541 67 103 143Indiana 542 1,001 322 1 1 0Iowa -118 541 1,265 0 2 4Kansas 208,604 205,894 165,788 278 253 229Kentucky 0 0 0 0 0 0Louisiana 0 0 0 0 0 0Maine 5,077 2,360 3,776 3 3 6Maryland 10,003,969 9,896,515 10,496,848 9,910 10,281 11,274Massachusetts 25,967,851 31,122,477 31,870,368 33,122 42,681 47,693Michigan 1,512,467 1,070,995 183,471 1,488 1,079 149Minnesota -3 1,984 2,627 1 3 3Mississippi 885 -54 370 2 0 1Missouri 1,357 2,560 1,974 2 2 4Montana 3 720 1,812 0 1 4Nebraska 0 0 0 0 0 0Nevada 0 0 0 0 0 0New Hampshire 58,710 64,011 78,518 65 69 86New Jersey 3,386,343 5,006,596 6,566,633 3,161 4,960 6,666New Mexico 1,513 1,102 690 1 1 1New York 3,846,511 4,228,225 5,527,797 2,538 2,935 4,090North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 222 -143 660 0 1 1Oregon 0 0 0 0 0 0Pennsylvania 44,655 59,786 90,680 42 59 77Rhode Island 39,819 43,610 23,801 23 25 14South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 3,330 226 0 2 1 0Texas 0 0 0 n/a n/a n/aUtah 3,086 994 0 3 0 0Vermont 9,392 9,286 7,320 8 11 10Virginia 179,862 228,462 253,575 90 119 144Washington 0 0 0 0 0 0West Virginia 4,169 2,300 5,548 1 1 1Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 45,589,738 52,401,276 55,760,922 51,028 62,918 71,011

CW w/o Texas 45,589,738 52,401,276 55,760,922 51,028 62,918 71,011

Table 28A

Collision 2012-2014




STATE 2014 2013 2012 2014 2013 2012Alabama 0 0 0 0 0 0Alaska 0 5,703 -2,983 0 1 -1Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California 0 0 0 0 0 0Colorado 0 0 0 0 0 0Connecticut 6,833 49,360 0 5 4 0Delaware 0 1,994 0 0 1 0District of Columbia 40,407 16,100 20,341 6 7 9Florida 183,362 395,844 115,185 22 50 29Georgia 0 0 0 0 0 0Hawaii 21,463 51,642 71,023 4 5 13Idaho 0 0 0 0 0 0Illinois 105,598 52,165 82,692 12 11 17Indiana 0 0 0 0 0 0Iowa 0 0 0 0 0 0Kansas 102,144 117,688 96,837 24 19 19Kentucky 0 0 0 0 0 0Louisiana 0 0 0 0 0 0Maine 19,305 0 5,851 3 0 1Maryland 9,828,716 8,200,159 8,852,225 1,834 1,852 2,021Massachusetts 20,707,646 24,520,759 26,010,214 5,677 7,323 8,102Michigan 1,021,964 879,109 74,237 200 143 12Minnesota 0 1,127 0 0 1 0Mississippi 0 0 0 0 0 0Missouri 429 661 4,783 1 0 1Montana 0 0 0 0 0 0Nebraska 0 0 0 0 0 0Nevada 0 0 0 0 0 0New Hampshire 27,391 17,021 77,151 7 5 10New Jersey 2,425,202 3,752,801 5,039,229 475 701 914New Mexico 0 0 0 0 0 0New York 1,834,987 2,379,592 2,820,639 371 426 559North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 15,562 1,082 0 1 1 0Oregon 0 0 0 0 0 0Pennsylvania 919 27,635 5,313 4 8 8Rhode Island 11,445 19,089 20,890 3 9 -1South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 0 0 0 n/a n/a n/aUtah 0 0 0 0 0 0Vermont 6,566 0 6,048 2 0 1Virginia 64,929 115,651 123,435 17 16 21Washington 0 0 0 0 0 0West Virginia 0 1,980 0 0 1 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 36,424,868 40,607,162 43,423,110 8,668 10,584 11,735

CW w/o Texas 36,424,868 40,607,162 43,423,110 8,668 10,584 11,735

Table 28B

Collision 2012-2014




STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska 0.00 5,703.00 -2,983.00 0.00 1,707.49 -214.76Arizona - - - - - -Arkansas - - 0.00 - - 0.00California - - - - - -Colorado - - - - - -Connecticut 359.63 3,085.00 0.00 28.28 235.23 0.00Delaware - - 0.00 0.00 - 0.00District of Columbia 1,924.14 555.17 484.31 99.33 31.67 31.58Florida 1,273.35 1,706.22 525.96 121.76 158.46 66.60Georgia - - - - - -Hawaii 613.23 1,053.92 550.57 71.65 149.75 83.95Idaho - - - 0.00 0.00 0.00Illinois 1,576.09 506.46 578.27 161.52 54.64 62.86Indiana 0.00 0.00 - 0.00 0.00 0.00Iowa - 0.00 0.00 0.00 0.00 0.00Kansas 367.42 465.17 422.87 48.97 57.16 58.41Kentucky - - - - - -Louisiana - - - - - -Maine 6,435.00 0.00 975.17 380.24 0.00 154.95Maryland 991.80 797.60 785.19 98.25 82.86 84.33Massachusetts 625.19 574.51 545.37 79.74 78.79 81.61Michigan 686.80 814.74 498.23 67.57 82.08 40.46Minnesota 0.00 375.67 0.00 0.00 56.80 0.00Mississippi 0.00 - 0.00 0.00 0.00 0.00Missouri 214.50 330.50 1,195.75 31.61 25.82 242.30Montana - 0.00 0.00 0.00 0.00 0.00Nebraska - - - - - -Nevada - - - - - -New Hampshire 421.40 246.68 897.10 46.65 26.59 98.26New Jersey 767.23 756.61 755.96 71.62 74.96 76.74New Mexico 0.00 0.00 0.00 0.00 0.00 0.00New York 723.01 810.76 689.64 47.71 56.28 51.03North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma - 1,082.00 0.00 7,009.91 -756.64 0.00Oregon - - - - - -Pennsylvania 21.88 468.39 69.00 2.06 46.22 5.86Rhode Island 497.61 763.56 1,492.14 28.74 43.77 87.77South Carolina - - - - - -South Dakota - - - - - -Tennessee 0.00 0.00 - 0.00 0.00 -Texas n/a n/a n/a - - -Utah 0.00 - - 0.00 0.00 -Vermont 820.75 0.00 604.80 69.91 0.00 82.62Virginia 721.43 971.86 857.19 36.10 50.62 48.68Washington - - - - - -West Virginia 0.00 1,980.00 0.00 0.00 86.09 0.00Wisconsin - - - - - -Wyoming - - - - - -Countrywide 713.82 645.40 611.50 79.90 77.49 77.87

CW w/o Texas 713.82 645.40 611.50 79.90 77.49 77.87

Table 28C

Collision 2012-2014




STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska 0.00 100.00 -100.00 - 5,703.00 2,983.00Arizona - - - - - -Arkansas - - 0.00 - - -California - - - - - -Colorado - - - - - -Connecticut 26.32 25.00 0.00 1,366.60 12,340.00 -Delaware - - 0.00 - 1,994.00 -District of Columbia 28.57 24.14 21.43 6,734.50 2,300.00 2,260.11Florida 15.28 21.55 13.24 8,334.64 7,916.88 3,971.90Georgia - - - - - -Hawaii 11.43 10.20 10.08 5,365.75 10,328.40 5,463.31Idaho - - - - - -Illinois 17.91 10.68 11.89 8,799.83 4,742.27 4,864.24Indiana 0.00 0.00 - - - -Iowa - 0.00 0.00 - - -Kansas 8.63 7.51 8.30 4,256.00 6,194.11 5,096.68Kentucky - - - - - -Louisiana - - - - - -Maine 100.00 0.00 16.67 6,435.00 - 5,851.00Maryland 18.51 18.01 17.93 5,359.17 4,427.73 4,380.12Massachusetts 17.14 17.16 16.99 3,647.64 3,348.46 3,210.34Michigan 13.44 13.25 8.05 5,109.82 6,147.62 6,186.42Minnesota 0.00 33.33 0.00 - 1,127.00 -Mississippi 0.00 - 0.00 - - -Missouri 50.00 0.00 25.00 429.00 - 4,783.00Montana - 0.00 0.00 - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire 10.77 7.25 11.63 3,913.00 3,404.20 7,715.10New Jersey 15.03 14.13 13.71 5,105.69 5,353.50 5,513.38New Mexico 0.00 0.00 0.00 - - -New York 14.62 14.51 13.67 4,946.06 5,585.90 5,045.87North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma - 100.00 0.00 15,562.00 1,082.00 -Oregon - - - - - -Pennsylvania 9.52 13.56 10.39 229.75 3,454.38 664.13Rhode Island 13.04 36.00 -7.14 3,815.00 2,121.00 -20,890.00South Carolina - - - - - -South Dakota - - - - - -Tennessee 0.00 0.00 - - - -Texas n/a n/a n/a n/a n/a n/aUtah 0.00 - - - - -Vermont 25.00 0.00 10.00 3,283.00 - 6,048.00Virginia 18.89 13.45 14.58 3,819.35 7,228.19 5,877.86Washington - - - - - -West Virginia 0.00 100.00 0.00 - 1,980.00 -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 16.99 16.82 16.53 4,202.22 3,836.66 3,700.31

CW w/o Texas 16.99 16.82 16.53 4,202.22 3,836.66 3,700.31

Table 28D

Collision 2012-2014




STATE 2014 2013 2012 2014 2013 2012Alabama 721,738,332 685,002,487 665,312,611 2,417,109 2,363,800 2,304,838Alaska 109,633,554 108,630,766 105,819,973 304,252 297,206 289,610Arizona 794,782,357 739,033,781 683,080,064 3,009,527 2,933,583 2,798,975Arkansas 412,667,392 396,105,646 381,350,592 1,334,141 1,316,951 1,295,370California 6,431,958,388 6,081,764,182 5,742,770,361 17,453,051 16,964,675 16,600,609Colorado 724,137,066 684,137,359 650,266,893 2,734,503 2,680,198 2,592,251Connecticut 636,828,169 604,376,062 581,694,243 1,771,537 1,750,945 1,732,419Delaware 147,170,383 138,761,384 133,433,419 487,944 475,348 465,640District of Columbia 87,554,995 83,610,238 79,655,165 191,764 187,139 183,036Florida 2,281,637,285 2,069,880,925 1,986,843,781 9,164,801 8,842,982 8,614,094Georgia 1,490,136,502 1,434,004,123 1,408,280,435 4,671,313 4,563,411 4,448,986Hawaii 176,730,200 167,903,050 163,985,369 595,603 579,317 566,850Idaho 147,340,771 142,204,003 138,293,757 714,955 698,949 682,290Illinois 1,603,443,709 1,516,864,629 1,467,966,941 5,540,796 5,490,252 5,397,430Indiana 796,955,763 754,405,915 726,265,127 3,389,370 3,240,291 3,101,571Iowa 364,384,702 350,052,913 336,451,409 1,744,804 1,716,693 1,679,361Kansas 366,144,251 355,275,775 344,874,868 1,451,612 1,443,749 1,419,319Kentucky 514,046,885 491,816,292 471,346,685 1,983,082 1,944,954 1,913,337Louisiana 790,000,238 739,588,377 720,206,314 2,002,663 1,957,520 1,914,336Maine 157,772,622 149,130,341 144,050,708 607,550 587,401 576,949Maryland 1,070,680,225 1,021,590,633 984,780,874 3,194,916 3,137,741 3,086,600Massachusetts 1,304,249,900 1,224,847,900 1,139,188,946 3,526,944 3,463,110 3,407,128Michigan 1,607,557,370 1,541,413,922 1,483,522,760 4,138,311 4,081,899 4,001,152Minnesota 627,686,530 595,305,944 561,644,441 2,873,886 2,837,085 2,765,272Mississippi 386,967,279 368,136,623 353,943,704 1,267,334 1,242,413 1,212,004Missouri 753,600,979 736,285,805 712,839,405 2,891,677 2,871,022 2,827,644Montana 118,510,743 111,214,317 104,200,459 454,500 446,042 431,933Nebraska 225,977,336 216,292,255 206,130,914 995,690 980,096 957,401Nevada 361,416,390 348,074,178 342,185,913 1,247,967 1,208,576 1,170,521New Hampshire 212,858,593 197,121,080 187,050,354 745,375 714,543 693,748New Jersey 1,491,388,282 1,441,300,901 1,386,149,497 4,045,594 3,960,464 3,888,531New Mexico 225,679,055 222,808,163 220,163,651 855,668 853,500 838,543New York 2,487,745,534 2,385,232,792 2,301,205,779 6,827,875 6,754,146 6,674,436North Carolina 1,191,118,485 1,151,885,632 1,106,172,537 4,550,702 4,569,715 4,574,261North Dakota 90,758,600 83,613,109 74,162,001 371,209 358,496 339,646Ohio 1,558,843,608 1,486,211,092 1,420,252,453 6,061,540 5,960,779 5,870,218Oklahoma 514,488,834 492,444,014 476,508,215 1,714,902 1,693,893 1,653,742Oregon 410,720,193 391,347,168 378,298,043 1,937,121 1,905,614 1,876,082Pennsylvania 2,029,968,821 1,931,985,859 1,887,442,765 6,539,945 6,438,131 6,360,409Rhode Island 175,054,395 164,460,618 156,468,133 453,913 445,533 438,212South Carolina 619,661,229 584,623,517 561,402,047 2,489,599 2,412,322 2,349,280South Dakota 85,581,012 81,552,238 75,973,205 421,828 412,390 396,784Tennessee 915,159,623 871,182,787 818,802,346 3,069,429 3,006,490 2,948,609Texas 4,172,564,421 3,809,164,419 3,513,325,862 n/a n/a n/aUtah 326,257,291 312,555,856 300,704,763 1,283,366 1,248,523 1,205,591Vermont 92,083,646 86,577,947 82,692,830 318,663 305,343 295,758Virginia 1,235,751,421 1,179,727,380 1,131,963,865 4,582,550 4,526,275 4,465,034Washington 807,657,509 763,733,432 742,661,636 3,246,951 3,176,523 3,127,379West Virginia 277,405,499 268,238,564 260,939,029 854,479 842,798 832,463Wisconsin 644,924,650 611,995,883 577,510,063 2,996,312 2,964,260 2,890,643Wyoming 74,336,316 71,746,008 71,608,509 278,288 274,898 269,371Countrywide 44,851,717,333 42,445,218,284 40,551,843,714 135,806,911 133,127,984 130,425,666

CW w/o Texas 40,679,152,912 38,636,053,865 37,038,517,852 135,806,911 133,127,984 130,425,666

Table 29A

Collision 2012-2014




STATE 2014 2013 2012 2014 2013 2012Alabama 555,286,117 515,838,244 474,099,266 141,015 133,069 131,740Alaska 67,028,107 70,505,809 68,472,239 15,826 16,869 16,928Arizona 588,480,800 569,753,770 513,897,425 157,229 150,486 145,546Arkansas 313,116,171 291,723,069 259,635,677 75,028 72,262 69,637California 4,385,085,580 3,827,509,443 3,573,412,053 1,164,310 1,103,745 1,064,157Colorado 603,050,875 553,839,911 467,353,333 157,043 147,024 134,954Connecticut 446,457,027 434,661,917 396,559,832 106,123 103,546 98,238Delaware 108,861,736 104,128,571 93,537,728 30,694 29,357 27,467District of Columbia 57,643,293 52,446,909 46,769,943 18,904 17,062 16,521Florida 1,954,247,777 1,722,143,565 1,551,192,662 502,246 454,842 441,623Georgia 1,064,146,145 975,715,782 882,818,039 271,382 252,168 237,668Hawaii 123,929,407 115,944,545 105,544,061 32,817 31,592 30,512Idaho 108,811,095 100,501,208 85,930,198 30,779 28,954 26,198Illinois 1,208,915,680 1,112,040,149 1,036,912,118 351,413 321,453 312,815Indiana 629,518,982 570,554,502 525,060,725 176,659 155,376 152,152Iowa 278,338,144 256,830,196 227,224,937 78,274 75,889 71,579Kansas 270,963,193 259,841,119 238,948,637 70,172 69,683 69,777Kentucky 382,446,433 353,855,902 341,937,131 111,635 95,088 93,097Louisiana 622,826,725 587,968,885 532,906,003 144,492 140,702 136,034Maine 106,631,173 101,011,528 92,640,500 32,768 29,992 27,893Maryland 820,026,804 758,854,108 697,972,331 230,214 214,740 206,548Massachusetts 794,634,612 732,813,081 687,837,537 252,716 241,986 230,118Michigan 1,333,982,784 1,206,530,930 1,119,395,242 360,473 329,392 320,097Minnesota 503,780,380 466,399,550 388,043,582 154,641 142,406 128,245Mississippi 298,110,732 270,393,504 246,911,547 71,663 70,430 66,867Missouri 587,999,478 546,687,658 495,692,950 154,675 148,014 143,790Montana 83,280,717 73,631,557 66,333,514 20,900 19,095 18,050Nebraska 171,534,321 158,986,217 141,127,660 44,718 44,857 43,745Nevada 274,432,715 246,834,555 224,080,204 68,630 63,405 60,347New Hampshire 145,222,342 136,734,054 125,195,582 45,376 41,952 39,368New Jersey 1,040,991,165 987,290,904 876,302,724 253,450 244,751 228,692New Mexico 166,747,691 159,305,081 141,530,626 44,204 42,875 41,059New York 2,017,648,174 1,895,706,964 1,677,760,841 451,757 424,077 394,364North Carolina 792,567,500 752,680,912 725,005,618 225,084 221,138 219,494North Dakota 65,545,675 62,696,368 52,379,524 19,126 19,108 16,121Ohio 1,148,566,555 1,048,897,674 971,261,041 336,384 313,510 307,515Oklahoma 389,252,703 364,727,940 331,064,368 92,235 87,727 83,696Oregon 317,558,833 293,475,694 277,999,699 94,807 88,066 87,627Pennsylvania 1,553,206,589 1,473,261,306 1,329,280,874 432,996 411,691 390,402Rhode Island 137,995,190 122,527,659 112,254,522 32,013 28,739 27,477South Carolina 473,211,606 431,169,086 386,023,274 133,004 123,202 116,267South Dakota 62,848,903 58,698,681 49,519,021 17,109 17,027 15,535Tennessee 653,307,721 612,792,416 582,122,695 150,839 142,725 142,955Texas 2,824,170,015 2,556,167,153 2,326,827,681 n/a n/a n/aUtah 232,274,320 233,893,765 198,387,181 62,229 62,845 57,155Vermont 63,953,633 60,631,653 52,212,131 17,253 15,991 14,598Virginia 880,734,561 848,220,175 811,367,720 271,693 263,201 261,628Washington 599,963,606 544,403,847 523,077,644 164,804 153,133 152,304West Virginia 188,196,027 178,800,131 167,277,745 42,258 40,638 39,839Wisconsin 491,069,235 467,063,095 397,670,075 148,417 140,833 126,573Wyoming 57,267,174 52,109,953 47,073,754 14,060 13,222 12,404Countrywide 33,045,866,221 30,379,200,695 27,743,841,414 8,076,537 7,599,935 7,297,416

CW w/o Texas 30,221,696,206 27,823,033,542 25,417,013,733 8,076,537 7,599,935 7,297,416

Table 29B

Collision 2012-2014





CW w/o Texas 222.53 208.99 194.88 74.29 72.01 68.62

Table 29C

Collision 2012-2014





CW w/o Texas 5.95 5.71 5.60 3,741.91 3,660.96 3,483.02

Table 29D

Collision 2012-2014



Comprehensive


—

Comprehensive Comprehensive coverage, also known as “other than collision” or OTC, insures against damages to a vehicle caused by non-collision events such as:

Contact with a bird or animal Theft, larceny, vandalism, malicious

mischief, riot, or civil commotion Windstorm, hail, water, or flood Breakage of glass (unless it occurs in a

collision) Fire, explosion, or earthquake Missiles or falling objects

Comprehensive insurance provides broad coverage that even pays a reasonable amount for substitute transportation, such as a rental car. Coverage may also be extended to damage or theft of rented cars. Some policies provide limited coverage for personal effects in the car when the loss is caused by fire or lightning. Comprehensive coverage is usually sold with a deductible of $50 to $1,000. Physical damage coverages are not required by law; however, when a car is purchased with a loan, the lender will usually require that the borrower purchase collision and comprehensive coverages until the loan is repaid.

Comprehensive State-Specific Information and Technical Notes Voluntary Market Business and Residual Market Business Comprehensive Data Indivisible physical damage coverage (single premium and deductible for both collision and comprehensive coverages) data are included with collision1.data in the case that the data is reported to the statistical agent in this manner. Comprehensive—Calculations Loss Experience Results Texas—Earned exposure and incurred claims data are not available, as indicated by “n/a.” Because the results for pure premium, frequency and severity are calculated using earned exposures and incurred claims, there are no data in these columns for Texas.

Loss Development

Comprehensive incurred losses are not developed.

Except: California—Incurred losses are developed to 27 months.i

1 See Collision, Page 167.



STATE 2014 2013 2012 2014 2013 2012Alabama 339,780,219 322,384,818 300,858,197 2,505,543 2,451,695 2,383,337Alaska 46,099,820 45,576,073 44,310,252 349,661 341,086 330,452Arizona 507,608,704 499,876,673 483,089,493 3,063,124 3,000,187 2,866,218Arkansas 244,333,263 234,396,630 219,674,224 1,368,015 1,349,771 1,323,324California 1,772,352,654 1,739,444,748 1,716,994,293 18,118,513 17,609,241 17,170,296Colorado 429,512,160 404,480,965 363,412,655 2,855,894 2,798,807 2,686,717Connecticut 244,060,073 234,122,707 224,031,880 1,974,141 1,948,124 1,925,499Delaware 53,087,537 50,467,196 47,972,189 506,711 494,189 484,482District of Columbia 43,566,701 41,838,427 40,172,470 198,594 193,399 188,372Florida 926,254,205 861,910,597 833,778,291 9,477,456 9,138,970 8,861,029Georgia 668,004,927 649,406,251 638,525,321 4,865,777 4,777,926 4,653,966Hawaii 57,734,539 56,210,887 57,813,858 623,566 602,138 583,945Idaho 73,204,719 69,690,834 67,506,864 733,358 717,830 693,605Illinois 606,493,689 558,080,180 528,517,754 5,783,315 5,729,148 5,608,847Indiana 355,152,871 335,961,960 315,556,675 3,430,826 3,290,115 3,153,580Iowa 297,536,507 285,005,522 266,222,372 1,779,937 1,753,071 1,710,830Kansas 326,182,652 307,604,502 288,205,909 1,471,685 1,464,139 1,439,441Kentucky 268,221,418 252,720,515 241,721,917 2,159,501 2,114,802 2,081,464Louisiana 390,863,442 374,337,112 369,274,412 2,047,840 2,001,474 1,957,072Maine 55,995,205 53,884,207 52,779,124 634,010 612,884 605,942Maryland 449,840,999 436,199,788 416,205,214 3,311,279 3,256,087 3,205,256Massachusetts 489,545,600 466,034,614 439,740,715 3,752,365 3,666,096 3,594,681Michigan 604,248,800 581,544,581 563,623,660 4,463,278 4,378,236 4,272,524Minnesota 525,920,021 504,466,426 474,921,263 3,126,015 3,099,833 2,994,454Mississippi 239,405,135 224,195,837 214,151,452 1,299,853 1,273,598 1,241,170Missouri 473,915,779 443,895,230 417,994,756 2,961,313 2,939,688 2,883,067Montana 96,095,640 91,303,074 84,193,856 485,539 476,971 457,788Nebraska 208,222,934 194,185,830 176,588,947 1,023,356 1,008,468 982,567Nevada 121,731,750 119,312,312 119,898,532 1,261,837 1,225,262 1,187,867New Hampshire 72,808,590 68,928,960 66,807,291 768,568 739,362 722,081New Jersey 477,402,909 450,127,265 427,906,034 4,237,622 4,143,230 4,059,411New Mexico 133,830,906 133,050,594 134,673,239 875,083 875,457 858,028New York 1,131,891,385 1,054,751,452 986,674,345 7,418,189 7,342,712 7,242,976North Carolina 521,840,322 512,983,819 499,490,576 4,934,492 4,960,145 4,966,233North Dakota 87,771,559 84,325,274 79,378,781 385,228 372,696 352,390Ohio 662,603,010 632,749,555 594,409,475 6,448,005 6,349,464 6,251,296Oklahoma 348,088,240 317,932,548 296,792,325 1,746,117 1,728,131 1,677,336Oregon 154,070,717 149,469,176 150,535,626 2,036,001 2,008,065 1,976,510Pennsylvania 841,783,697 792,052,679 753,770,335 6,882,996 6,821,364 6,779,470Rhode Island 54,032,921 51,568,129 50,593,224 477,336 469,865 463,019South Carolina 429,601,451 394,209,989 364,128,032 2,639,564 2,559,852 2,505,651South Dakota 101,784,648 94,670,278 85,271,099 437,344 428,700 411,328Tennessee 412,543,350 381,008,101 345,754,643 3,261,037 3,195,462 3,129,981Texas 2,407,859,236 2,270,622,173 2,071,075,533 n/a n/a n/aUtah 116,003,372 111,560,297 106,838,642 1,251,522 1,214,169 1,174,187Vermont 38,508,384 36,480,225 34,998,809 339,980 326,329 317,629Virginia 576,661,306 558,026,711 533,614,549 4,715,407 4,651,257 4,581,828Washington 307,861,659 298,634,037 302,104,586 3,374,732 3,308,196 3,233,610West Virginia 174,542,256 168,690,257 163,368,363 936,725 926,464 916,735Wisconsin 387,093,537 369,467,831 335,149,035 3,165,673 3,133,056 3,051,971Wyoming 62,886,083 59,506,076 55,033,261 289,627 286,066 276,808Countrywide 20,416,441,501 19,429,353,922 18,446,104,348 142,253,550 139,553,277 136,476,270

CW w/o Texas 18,008,582,265 17,158,731,749 16,375,028,815 142,253,550 139,553,277 136,476,270

Table 30A

Comprehensive 2012-2014




STATE 2014 2013 2012 2014 2013 2012Alabama 243,258,445 232,434,902 219,227,448 230,443 227,005 215,178Alaska 25,335,809 23,131,071 25,448,235 42,695 42,970 45,094Arizona 331,603,298 306,828,469 290,027,646 600,039 588,814 556,655Arkansas 160,006,888 127,747,084 132,892,829 121,417 112,730 117,382California 937,738,463 934,314,240 919,495,500 612,497 658,039 704,168Colorado 713,660,038 289,149,772 325,755,529 484,786 398,429 403,240Connecticut 141,063,959 136,255,952 158,211,667 205,461 195,620 186,858Delaware 59,773,171 36,937,646 36,646,540 61,741 50,469 46,839District of Columbia 22,866,065 20,552,264 23,259,739 43,199 38,358 37,571Florida 623,806,891 539,214,140 544,869,375 1,016,199 921,519 873,672Georgia 424,686,586 554,061,154 361,736,566 506,699 516,281 444,068Hawaii 26,927,441 24,683,960 23,390,601 54,299 52,020 46,775Idaho 51,641,148 46,671,007 45,736,389 88,790 86,962 83,216Illinois 485,232,701 406,870,889 489,244,179 368,647 311,908 330,561Indiana 264,566,914 276,124,021 302,673,327 204,084 184,049 192,319Iowa 258,269,419 206,648,203 168,485,809 132,101 124,772 113,447Kansas 206,667,015 256,071,435 225,696,887 125,812 139,445 134,416Kentucky 191,811,122 166,489,252 354,355,047 183,645 160,222 219,846Louisiana 216,044,994 371,432,173 281,854,331 218,030 251,310 224,785Maine 40,802,714 33,107,991 29,503,049 49,713 42,857 39,291Maryland 312,032,009 282,195,698 306,972,174 503,535 463,681 447,696Massachusetts 285,572,795 255,818,001 237,360,905 530,880 495,151 436,272Michigan 553,049,322 428,866,103 412,808,445 523,961 474,170 449,243Minnesota 314,525,909 401,636,061 329,293,953 336,143 353,929 318,502Mississippi 167,427,327 396,409,438 139,560,779 125,330 178,697 121,291Missouri 359,805,748 250,652,759 541,306,948 247,175 213,749 283,262Montana 118,171,129 64,395,575 51,220,781 61,344 47,389 43,407Nebraska 274,224,713 199,550,173 141,222,321 116,430 105,171 96,686Nevada 72,092,889 65,370,441 72,604,856 109,219 101,033 100,826New Hampshire 44,903,246 38,450,129 37,947,534 67,026 59,951 54,739New Jersey 291,748,151 209,135,301 755,981,120 275,841 242,508 268,832New Mexico 101,550,735 81,820,671 87,647,657 91,148 89,099 87,272New York 865,009,738 615,904,252 2,072,441,993 971,903 874,285 879,226North Carolina 349,612,172 320,650,436 371,627,697 279,364 263,281 287,553North Dakota 47,472,479 43,389,646 32,641,581 32,020 31,684 28,263Ohio 449,613,490 422,254,156 457,859,548 474,103 440,788 440,281Oklahoma 171,579,051 460,083,007 304,270,873 103,240 166,993 131,271Oregon 109,023,511 94,564,645 95,090,262 151,332 143,982 144,824Pennsylvania 962,412,076 577,134,073 621,833,978 652,790 541,577 536,400Rhode Island 35,396,472 36,525,498 34,345,244 39,140 37,873 33,378South Carolina 398,637,752 257,986,127 283,183,828 457,604 371,360 383,009South Dakota 180,232,257 140,343,690 72,726,757 69,375 62,929 44,580Tennessee 251,196,953 222,373,677 400,826,920 207,827 195,788 234,022Texas 1,422,165,290 1,290,489,057 1,501,757,916 n/a n/a n/aUtah 78,489,302 74,115,369 70,819,335 133,272 136,024 140,164Vermont 60,982,844 23,400,663 23,834,462 41,770 30,842 28,962Virginia 395,857,061 348,839,440 404,540,785 647,619 604,991 598,734Washington 193,834,576 172,939,306 174,058,203 313,458 307,110 310,810West Virginia 111,357,265 110,721,322 115,769,885 85,326 80,416 83,196Wisconsin 279,332,632 266,101,175 241,044,957 191,280 185,928 171,933Wyoming 58,523,992 55,322,978 33,555,908 31,990 32,318 27,638Countrywide 14,741,595,967 13,196,164,492 15,384,668,298 13,221,742 12,436,476 12,227,653

CW w/o Texas 13,319,430,677 11,905,675,435 13,882,910,382 13,221,742 12,436,476 12,227,653

Table 30B






CW w/o Texas 93.63 85.31 101.72 73.96 69.39 84.78

Table 30C





STATE 2014 2013 2012 2014 2013 2012Alabama 9.20 9.26 9.03 1,055.61 1,023.92 1,018.82Alaska 12.21 12.60 13.65 593.41 538.31 564.34Arizona 19.59 19.63 19.42 552.64 521.10 521.02Arkansas 8.88 8.35 8.87 1,317.83 1,133.21 1,132.14California 3.38 3.74 4.10 1,531.01 1,419.85 1,305.79Colorado 16.97 14.24 15.01 1,472.11 725.72 807.85Connecticut 10.41 10.04 9.70 686.57 696.53 846.69Delaware 12.18 10.21 9.67 968.13 731.89 782.39District of Columbia 21.75 19.83 19.95 529.32 535.80 619.09Florida 10.72 10.08 9.86 613.86 585.14 623.65Georgia 10.41 10.81 9.54 838.14 1,073.18 814.60Hawaii 8.71 8.64 8.01 495.91 474.51 500.07Idaho 12.11 12.11 12.00 581.61 536.68 549.61Illinois 6.37 5.44 5.89 1,316.25 1,304.46 1,480.04Indiana 5.95 5.59 6.10 1,296.36 1,500.27 1,573.81Iowa 7.42 7.12 6.63 1,955.09 1,656.21 1,485.15Kansas 8.55 9.52 9.34 1,642.67 1,836.36 1,679.09Kentucky 8.50 7.58 10.56 1,044.47 1,039.12 1,611.83Louisiana 10.65 12.56 11.49 990.90 1,477.98 1,253.88Maine 7.84 6.99 6.48 820.77 772.52 750.89Maryland 15.21 14.24 13.97 619.68 608.60 685.67Massachusetts 14.15 13.51 12.14 537.92 516.65 544.07Michigan 11.74 10.83 10.51 1,055.52 904.46 918.90Minnesota 10.75 11.42 10.64 935.69 1,134.79 1,033.88Mississippi 9.64 14.03 9.77 1,335.89 2,218.33 1,150.63Missouri 8.35 7.27 9.83 1,455.67 1,172.65 1,910.98Montana 12.63 9.94 9.48 1,926.37 1,358.87 1,180.01Nebraska 11.38 10.43 9.84 2,355.28 1,897.39 1,460.63Nevada 8.66 8.25 8.49 660.08 647.02 720.10New Hampshire 8.72 8.11 7.58 669.94 641.36 693.24New Jersey 6.51 5.85 6.62 1,057.67 862.39 2,812.09New Mexico 10.42 10.18 10.17 1,114.13 918.31 1,004.30New York 13.10 11.91 12.14 890.02 704.47 2,357.12North Carolina 5.66 5.31 5.79 1,251.46 1,217.90 1,292.38North Dakota 8.31 8.50 8.02 1,482.59 1,369.45 1,154.92Ohio 7.35 6.94 7.04 948.35 957.95 1,039.93Oklahoma 5.91 9.66 7.83 1,661.94 2,755.10 2,317.88Oregon 7.43 7.17 7.33 720.43 656.78 656.59Pennsylvania 9.48 7.94 7.91 1,474.31 1,065.65 1,159.27Rhode Island 8.20 8.06 7.21 904.36 964.42 1,028.98South Carolina 17.34 14.51 15.29 871.14 694.71 739.37South Dakota 15.86 14.68 10.84 2,597.94 2,230.19 1,631.38Tennessee 6.37 6.13 7.48 1,208.68 1,135.79 1,712.77Texas n/a n/a n/a n/a n/a n/aUtah 10.65 11.20 11.94 588.94 544.87 505.26Vermont 12.29 9.45 9.12 1,459.97 758.73 822.96Virginia 13.73 13.01 13.07 611.25 576.60 675.66Washington 9.29 9.28 9.61 618.37 563.12 560.01West Virginia 9.11 8.68 9.08 1,305.08 1,376.86 1,391.53Wisconsin 6.04 5.93 5.63 1,460.33 1,431.21 1,401.97Wyoming 11.05 11.30 9.98 1,829.45 1,711.83 1,214.12Countrywide 9.29 8.91 8.96 1,114.95 1,061.09 1,258.19

CW w/o Texas 9.29 8.91 8.96 1,007.39 957.32 1,135.37

Table 30D





STATE 2014 2013 2012 2014 2013 2012Alabama 0 0 0 0 0 0Alaska 165 109 422 1 1 2Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California 0 0 0 0 0 0Colorado 0 0 0 0 0 0Connecticut 5,041 5,477 9,309 17 18 19Delaware 78 0 82 0 0 1District of Columbia 16,726 21,280 27,147 21 30 43Florida 38,831 75,551 50,178 143 234 229Georgia 0 0 0 0 0 0Hawaii 11,424 14,118 34,846 32 53 141Idaho 31 -41 97 0 0 0Illinois 20,895 29,974 41,299 68 104 143Indiana 226 640 99 1 2 0Iowa -121 553 1,490 0 2 4Kansas 126,538 120,712 101,854 286 263 251Kentucky 0 0 0 0 0 0Louisiana 0 0 221 0 0 0Maine 1,091 524 723 3 3 6Maryland 3,080,719 3,188,337 3,410,333 11,729 12,189 13,405Massachusetts 8,790,846 11,225,992 12,112,750 40,593 52,644 58,378Michigan 445,637 352,467 58,552 1,541 1,113 154Minnesota 49 1,483 2,520 1 3 3Mississippi 402 -34 221 2 0 1Missouri 857 1,423 1,221 2 2 4Montana 2 595 1,713 0 1 4Nebraska 0 0 0 0 0 0Nevada 0 0 0 0 0 0New Hampshire 15,795 16,089 19,480 78 77 95New Jersey 821,353 1,269,418 1,856,474 3,383 5,299 7,109New Mexico 778 566 345 1 1 1New York 1,175,334 1,330,951 1,957,708 2,837 3,293 4,669North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 84 -63 341 0 1 1Oregon 0 0 0 0 0 0Pennsylvania 28,295 32,471 47,823 48 64 82Rhode Island 28,665 28,807 27,427 36 41 31South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 1,537 56 0 2 1 0Texas 0 0 0 n/a n/a n/aUtah 651 489 0 2 0 0Vermont 3,223 3,604 4,216 9 10 17Virginia 36,946 48,541 55,269 121 145 180Washington 0 0 0 0 0 0West Virginia 1,661 224 1,388 1 1 2Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 14,653,759 17,770,313 19,825,548 60,958 75,595 84,975

CW w/o Texas 14,653,759 17,770,313 19,825,548 60,958 75,595 84,975

Table 31A





STATE 2014 2013 2012 2014 2013 2012Alabama 0 0 0 0 0 0Alaska 52 51 0 0 0 0Arizona 0 0 0 0 0 0Arkansas 0 0 0 0 0 0California 0 0 0 0 0 0Colorado 0 0 0 0 0 0Connecticut 5,473 16,320 7,361 2 5 1Delaware 0 0 0 0 0 0District of Columbia 28,659 0 1,319 6 0 2Florida 36,313 4,642 2,408 6 4 4Georgia 0 0 0 0 0 0Hawaii 1,451 427 2,050 1 1 2Idaho 0 0 0 0 0 0Illinois 9,357 16,907 18,868 4 5 8Indiana 0 0 0 0 0 0Iowa 0 377 0 0 1 0Kansas 71,279 103,959 45,127 21 32 15Kentucky 0 0 0 0 0 0Louisiana 0 -659 -231 0 0 0Maine 0 9,164 0 0 1 0Maryland 2,144,796 2,232,764 2,859,424 597 700 905Massachusetts 6,929,884 8,567,252 9,778,837 8,937 11,441 12,610Michigan 778,110 474,900 9,582 111 75 4Minnesota 0 0 0 0 0 0Mississippi 0 0 0 0 0 0Missouri 0 0 0 0 0 0Montana 0 0 0 0 0 0Nebraska 0 0 0 0 0 0Nevada 0 0 0 0 0 0New Hampshire 7,604 0 28,317 3 0 4New Jersey 553,615 970,835 1,404,475 105 189 275New Mexico 0 0 0 0 0 0New York 700,562 556,374 1,261,074 226 219 342North Carolina 0 0 0 0 0 0North Dakota 0 0 0 0 0 0Ohio 0 0 0 0 0 0Oklahoma 0 0 0 0 0 0Oregon 0 0 0 0 0 0Pennsylvania 5,724 6,076 12,541 3 4 3Rhode Island 7,057 27,278 14,997 1 8 3South Carolina 0 0 0 0 0 0South Dakota 0 0 0 0 0 0Tennessee 0 0 0 0 0 0Texas 0 0 0 n/a n/a n/aUtah 0 0 0 0 0 0Vermont 0 6,217 0 0 0 0Virginia 491 12,258 55,763 4 7 11Washington 0 0 0 0 0 0West Virginia 0 0 0 0 0 0Wisconsin 0 0 0 0 0 0Wyoming 0 0 0 0 0 0Countrywide 11,280,427 13,005,142 15,501,912 10,027 12,692 14,189

CW w/o Texas 11,280,427 13,005,142 15,501,912 10,027 12,692 14,189

Table 31B





STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska 52.00 51.00 0.00 31.52 46.79 0.00Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut 321.94 906.67 387.42 108.57 297.97 79.07Delaware - - 0.00 0.00 - 0.00District of Columbia 1,364.71 0.00 30.67 171.34 0.00 4.86Florida 253.94 19.84 10.52 93.52 6.14 4.80Georgia - - - - - -Hawaii 45.34 8.06 14.54 12.70 3.02 5.88Idaho - - - 0.00 0.00 0.00Illinois 137.60 162.57 131.94 44.78 56.41 45.69Indiana 0.00 0.00 - 0.00 0.00 0.00Iowa - 188.50 0.00 0.00 68.17 0.00Kansas 249.23 395.28 179.79 56.33 86.12 44.31Kentucky - - - - - -Louisiana - - - - - -104.52Maine 0.00 3,054.67 0.00 0.00 1,748.85 0.00Maryland 182.86 183.18 213.31 69.62 70.03 83.85Massachusetts 170.72 162.74 167.51 78.83 76.32 80.73Michigan 504.94 426.68 62.22 174.61 134.74 16.36Minnesota 0.00 0.00 0.00 0.00 0.00 0.00Mississippi 0.00 - 0.00 0.00 0.00 0.00Missouri 0.00 0.00 0.00 0.00 0.00 0.00Montana - 0.00 0.00 0.00 0.00 0.00Nebraska - - - - - -Nevada - - - - - -New Hampshire 97.49 0.00 298.07 48.14 0.00 145.36New Jersey 163.65 183.21 197.56 67.40 76.48 75.65New Mexico 0.00 0.00 0.00 0.00 0.00 0.00New York 246.94 168.96 270.10 59.61 41.80 64.42North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma - 0.00 0.00 0.00 0.00 0.00Oregon - - - - - -Pennsylvania 119.25 94.94 152.94 20.23 18.71 26.22Rhode Island 196.03 665.32 483.77 24.62 94.69 54.68South Carolina - - - - - -South Dakota - - - - - -Tennessee 0.00 0.00 - 0.00 0.00 -Texas n/a n/a n/a - - -Utah 0.00 - - 0.00 0.00 -Vermont 0.00 621.70 0.00 0.00 172.50 0.00Virginia 4.06 84.54 309.79 1.33 25.25 100.89Washington - - - - - -West Virginia 0.00 0.00 0.00 0.00 0.00 0.00Wisconsin - - - - - -Wyoming - - - - - -Countrywide 185.05 172.04 182.43 76.98 73.18 78.19

CW w/o Texas 185.05 172.04 182.43 76.98 73.18 78.19

Table 31C





STATE 2014 2013 2012 2014 2013 2012Alabama - - - - - -Alaska 0.00 0.00 0.00 - - -Arizona - - - - - -Arkansas - - - - - -California - - - - - -Colorado - - - - - -Connecticut 11.76 27.78 5.26 2,736.50 3,264.00 7,361.00Delaware - - 0.00 - - -District of Columbia 28.57 0.00 4.65 4,776.50 - 659.50Florida 4.20 1.71 1.75 6,052.17 1,160.50 602.00Georgia - - - - - -Hawaii 3.13 1.89 1.42 1,451.00 427.00 1,025.00Idaho - - - - - -Illinois 5.88 4.81 5.59 2,339.25 3,381.40 2,358.50Indiana 0.00 0.00 - - - -Iowa - 50.00 0.00 - 377.00 -Kansas 7.34 12.17 5.98 3,394.24 3,248.72 3,008.47Kentucky - - - - - -Louisiana - - - - - -Maine 0.00 33.33 0.00 - 9,164.00 -Maryland 5.09 5.74 6.75 3,592.62 3,189.66 3,159.58Massachusetts 22.02 21.73 21.60 775.42 748.82 775.48Michigan 7.20 6.74 2.60 7,010.00 6,332.00 2,395.50Minnesota 0.00 0.00 0.00 - - -Mississippi 0.00 - 0.00 - - -Missouri 0.00 0.00 0.00 - - -Montana - 0.00 0.00 - - -Nebraska - - - - - -Nevada - - - - - -New Hampshire 3.85 0.00 4.21 2,534.67 - 7,079.25New Jersey 3.10 3.57 3.87 5,272.52 5,136.69 5,107.18New Mexico 0.00 0.00 0.00 - - -New York 7.97 6.65 7.32 3,099.83 2,540.52 3,687.35North Carolina - - - - - -North Dakota - - - - - -Ohio - - - - - -Oklahoma - 0.00 0.00 - - -Oregon - - - - - -Pennsylvania 6.25 6.25 3.66 1,908.00 1,519.00 4,180.33Rhode Island 2.78 19.51 9.68 7,057.00 3,409.75 4,999.00South Carolina - - - - - -South Dakota - - - - - -Tennessee 0.00 0.00 - - - -Texas n/a n/a n/a n/a n/a n/aUtah 0.00 - - - - -Vermont 0.00 0.00 0.00 - - -Virginia 3.31 4.83 6.11 122.75 1,751.14 5,069.36Washington - - - - - -West Virginia 0.00 0.00 0.00 - - -Wisconsin - - - - - -Wyoming - - - - - -Countrywide 16.45 16.79 16.70 1,125.01 1,024.67 1,092.53

CW w/o Texas 16.45 16.79 16.70 1,125.01 1,024.67 1,092.53

Table 31D





STATE 2014 2013 2012 2014 2013 2012Alabama 339,780,219 322,384,818 300,858,197 2,505,543 2,451,695 2,383,337Alaska 46,099,985 45,576,182 44,310,674 349,662 341,087 330,454Arizona 507,608,704 499,876,673 483,089,493 3,063,124 3,000,187 2,866,218Arkansas 244,333,263 234,396,630 219,674,224 1,368,015 1,349,771 1,323,324California 1,772,352,654 1,739,444,748 1,716,994,293 18,118,513 17,609,241 17,170,296Colorado 429,512,160 404,480,965 363,412,655 2,855,894 2,798,807 2,686,717Connecticut 244,065,114 234,128,184 224,041,189 1,974,158 1,948,142 1,925,518Delaware 53,087,615 50,467,196 47,972,271 506,711 494,189 484,483District of Columbia 43,583,427 41,859,707 40,199,617 198,615 193,429 188,415Florida 926,293,036 861,986,148 833,828,469 9,477,599 9,139,204 8,861,258Georgia 668,004,927 649,406,251 638,525,321 4,865,777 4,777,926 4,653,966Hawaii 57,745,963 56,225,005 57,848,704 623,598 602,191 584,086Idaho 73,204,750 69,690,793 67,506,961 733,358 717,830 693,605Illinois 606,514,584 558,110,154 528,559,053 5,783,383 5,729,252 5,608,990Indiana 355,153,097 335,962,600 315,556,774 3,430,827 3,290,117 3,153,580Iowa 297,536,386 285,006,075 266,223,862 1,779,937 1,753,073 1,710,834Kansas 326,309,190 307,725,214 288,307,763 1,471,971 1,464,402 1,439,692Kentucky 268,221,418 252,720,515 241,721,917 2,159,501 2,114,802 2,081,464Louisiana 390,863,442 374,337,112 369,274,633 2,047,840 2,001,474 1,957,072Maine 55,996,296 53,884,731 52,779,847 634,013 612,887 605,948Maryland 452,921,718 439,388,125 419,615,547 3,323,008 3,268,276 3,218,661Massachusetts 498,336,446 477,260,606 451,853,465 3,792,958 3,718,740 3,653,059Michigan 604,694,437 581,897,048 563,682,212 4,464,819 4,379,349 4,272,678Minnesota 525,920,070 504,467,909 474,923,783 3,126,016 3,099,836 2,994,457Mississippi 239,405,537 224,195,803 214,151,673 1,299,855 1,273,598 1,241,171Missouri 473,916,636 443,896,653 417,995,977 2,961,315 2,939,690 2,883,071Montana 96,095,642 91,303,669 84,195,569 485,539 476,972 457,792Nebraska 208,222,934 194,185,830 176,588,947 1,023,356 1,008,468 982,567Nevada 121,731,750 119,312,312 119,898,532 1,261,837 1,225,262 1,187,867New Hampshire 72,824,385 68,945,049 66,826,771 768,646 739,439 722,176New Jersey 478,224,262 451,396,683 429,762,508 4,241,005 4,148,529 4,066,520New Mexico 133,831,684 133,051,160 134,673,584 875,084 875,458 858,029New York 1,133,066,719 1,056,082,403 988,632,053 7,421,026 7,346,005 7,247,645North Carolina 521,840,322 512,983,819 499,490,576 4,934,492 4,960,145 4,966,233North Dakota 87,771,559 84,325,274 79,378,781 385,228 372,696 352,390Ohio 662,603,010 632,749,555 594,409,475 6,448,005 6,349,464 6,251,296Oklahoma 348,088,324 317,932,485 296,792,666 1,746,117 1,728,132 1,677,337Oregon 154,070,717 149,469,176 150,535,626 2,036,001 2,008,065 1,976,510Pennsylvania 841,811,992 792,085,150 753,818,158 6,883,044 6,821,428 6,779,552Rhode Island 54,061,586 51,596,936 50,620,651 477,372 469,906 463,050South Carolina 429,601,451 394,209,989 364,128,032 2,639,564 2,559,852 2,505,651South Dakota 101,784,648 94,670,278 85,271,099 437,344 428,700 411,328Tennessee 412,544,887 381,008,157 345,754,643 3,261,039 3,195,463 3,129,981Texas 2,407,859,236 2,270,622,173 2,071,075,533 n/a n/a n/aUtah 116,004,023 111,560,786 106,838,642 1,251,524 1,214,169 1,174,187Vermont 38,511,607 36,483,829 35,003,025 339,989 326,339 317,646Virginia 576,698,252 558,075,252 533,669,818 4,715,528 4,651,402 4,582,008Washington 307,861,659 298,634,037 302,104,586 3,374,732 3,308,196 3,233,610West Virginia 174,543,917 168,690,481 163,369,751 936,726 926,465 916,737Wisconsin 387,093,537 369,467,831 335,149,035 3,165,673 3,133,056 3,051,971Wyoming 62,886,083 59,506,076 55,033,261 289,627 286,066 276,808Countrywide 20,431,095,260 19,447,124,235 18,465,929,896 142,314,508 139,628,872 136,561,245

CW w/o Texas 18,023,236,024 17,176,502,062 16,394,854,363 142,314,508 139,628,872 136,561,245

Table 32A





STATE 2014 2013 2012 2014 2013 2012Alabama 243,258,445 232,434,902 219,227,448 230,443 227,005 215,178Alaska 25,335,861 23,131,122 25,448,235 42,695 42,970 45,094Arizona 331,603,298 306,828,469 290,027,646 600,039 588,814 556,655Arkansas 160,006,888 127,747,084 132,892,829 121,417 112,730 117,382California 937,738,463 934,314,240 919,495,500 612,497 658,039 704,168Colorado 713,660,038 289,149,772 325,755,529 484,786 398,429 403,240Connecticut 141,069,432 136,272,272 158,219,028 205,463 195,625 186,859Delaware 59,773,171 36,937,646 36,646,540 61,741 50,469 46,839District of Columbia 22,894,724 20,552,264 23,261,058 43,205 38,358 37,573Florida 623,843,204 539,218,782 544,871,783 1,016,205 921,523 873,676Georgia 424,686,586 554,061,154 361,736,566 506,699 516,281 444,068Hawaii 26,928,892 24,684,387 23,392,651 54,300 52,021 46,777Idaho 51,641,148 46,671,007 45,736,389 88,790 86,962 83,216Illinois 485,242,058 406,887,796 489,263,047 368,651 311,913 330,569Indiana 264,566,914 276,124,021 302,673,327 204,084 184,049 192,319Iowa 258,269,419 206,648,580 168,485,809 132,101 124,773 113,447Kansas 206,738,294 256,175,394 225,742,014 125,833 139,477 134,431Kentucky 191,811,122 166,489,252 354,355,047 183,645 160,222 219,846Louisiana 216,044,994 371,431,514 281,854,100 218,030 251,310 224,785Maine 40,802,714 33,117,155 29,503,049 49,713 42,858 39,291Maryland 314,176,805 284,428,462 309,831,598 504,132 464,381 448,601Massachusetts 292,502,679 264,385,253 247,139,742 539,817 506,592 448,882Michigan 553,827,432 429,341,003 412,818,027 524,072 474,245 449,247Minnesota 314,525,909 401,636,061 329,293,953 336,143 353,929 318,502Mississippi 167,427,327 396,409,438 139,560,779 125,330 178,697 121,291Missouri 359,805,748 250,652,759 541,306,948 247,175 213,749 283,262Montana 118,171,129 64,395,575 51,220,781 61,344 47,389 43,407Nebraska 274,224,713 199,550,173 141,222,321 116,430 105,171 96,686Nevada 72,092,889 65,370,441 72,604,856 109,219 101,033 100,826New Hampshire 44,910,850 38,450,129 37,975,851 67,029 59,951 54,743New Jersey 292,301,766 210,106,136 757,385,595 275,946 242,697 269,107New Mexico 101,550,735 81,820,671 87,647,657 91,148 89,099 87,272New York 865,710,300 616,460,626 2,073,703,067 972,129 874,504 879,568North Carolina 349,612,172 320,650,436 371,627,697 279,364 263,281 287,553North Dakota 47,472,479 43,389,646 32,641,581 32,020 31,684 28,263Ohio 449,613,490 422,254,156 457,859,548 474,103 440,788 440,281Oklahoma 171,579,051 460,083,007 304,270,873 103,240 166,993 131,271Oregon 109,023,511 94,564,645 95,090,262 151,332 143,982 144,824Pennsylvania 962,417,800 577,140,149 621,846,519 652,793 541,581 536,403Rhode Island 35,403,529 36,552,776 34,360,241 39,141 37,881 33,381South Carolina 398,637,752 257,986,127 283,183,828 457,604 371,360 383,009South Dakota 180,232,257 140,343,690 72,726,757 69,375 62,929 44,580Tennessee 251,196,953 222,373,677 400,826,920 207,827 195,788 234,022Texas 1,422,165,290 1,290,489,057 1,501,757,916 n/a n/a n/aUtah 78,489,302 74,115,369 70,819,335 133,272 136,024 140,164Vermont 60,982,844 23,406,880 23,834,462 41,770 30,842 28,962Virginia 395,857,552 348,851,698 404,596,548 647,623 604,998 598,745Washington 193,834,576 172,939,306 174,058,203 313,458 307,110 310,810West Virginia 111,357,265 110,721,322 115,769,885 85,326 80,416 83,196Wisconsin 279,332,632 266,101,175 241,044,957 191,280 185,928 171,933Wyoming 58,523,992 55,322,978 33,555,908 31,990 32,318 27,638Countrywide 14,752,876,394 13,209,169,634 15,400,170,210 13,231,769 12,449,168 12,241,842

CW w/o Texas 13,330,711,104 11,918,680,577 13,898,412,294 13,231,769 12,449,168 12,241,842

Table 32B






CW w/o Texas 93.67 85.36 101.77 73.96 69.39 84.77

Table 32C





STATE 2014 2013 2012 2014 2013 2012Alabama 9.20 9.26 9.03 1,055.61 1,023.92 1,018.82Alaska 12.21 12.60 13.65 593.42 538.31 564.34Arizona 19.59 19.63 19.42 552.64 521.10 521.02Arkansas 8.88 8.35 8.87 1,317.83 1,133.21 1,132.14California 3.38 3.74 4.10 1,531.01 1,419.85 1,305.79Colorado 16.97 14.24 15.01 1,472.11 725.72 807.85Connecticut 10.41 10.04 9.70 686.59 696.60 846.73Delaware 12.18 10.21 9.67 968.13 731.89 782.39District of Columbia 21.75 19.83 19.94 529.91 535.80 619.09Florida 10.72 10.08 9.86 613.90 585.14 623.65Georgia 10.41 10.81 9.54 838.14 1,073.18 814.60Hawaii 8.71 8.64 8.01 495.93 474.51 500.09Idaho 12.11 12.11 12.00 581.61 536.68 549.61Illinois 6.37 5.44 5.89 1,316.26 1,304.49 1,480.06Indiana 5.95 5.59 6.10 1,296.36 1,500.27 1,573.81Iowa 7.42 7.12 6.63 1,955.09 1,656.20 1,485.15Kansas 8.55 9.52 9.34 1,642.96 1,836.69 1,679.24Kentucky 8.50 7.58 10.56 1,044.47 1,039.12 1,611.83Louisiana 10.65 12.56 11.49 990.90 1,477.98 1,253.88Maine 7.84 6.99 6.48 820.77 772.72 750.89Maryland 15.17 14.21 13.94 623.20 612.49 690.66Massachusetts 14.23 13.62 12.29 541.86 521.89 550.57Michigan 11.74 10.83 10.51 1,056.78 905.31 918.91Minnesota 10.75 11.42 10.64 935.69 1,134.79 1,033.88Mississippi 9.64 14.03 9.77 1,335.89 2,218.33 1,150.63Missouri 8.35 7.27 9.83 1,455.67 1,172.65 1,910.98Montana 12.63 9.94 9.48 1,926.37 1,358.87 1,180.01Nebraska 11.38 10.43 9.84 2,355.28 1,897.39 1,460.63Nevada 8.66 8.25 8.49 660.08 647.02 720.10New Hampshire 8.72 8.11 7.58 670.02 641.36 693.71New Jersey 6.51 5.85 6.62 1,059.27 865.71 2,814.44New Mexico 10.42 10.18 10.17 1,114.13 918.31 1,004.30New York 13.10 11.90 12.14 890.53 704.93 2,357.64North Carolina 5.66 5.31 5.79 1,251.46 1,217.90 1,292.38North Dakota 8.31 8.50 8.02 1,482.59 1,369.45 1,154.92Ohio 7.35 6.94 7.04 948.35 957.95 1,039.93Oklahoma 5.91 9.66 7.83 1,661.94 2,755.10 2,317.88Oregon 7.43 7.17 7.33 720.43 656.78 656.59Pennsylvania 9.48 7.94 7.91 1,474.31 1,065.66 1,159.29Rhode Island 8.20 8.06 7.21 904.51 964.94 1,029.34South Carolina 17.34 14.51 15.29 871.14 694.71 739.37South Dakota 15.86 14.68 10.84 2,597.94 2,230.19 1,631.38Tennessee 6.37 6.13 7.48 1,208.68 1,135.79 1,712.77Texas n/a n/a n/a n/a n/a n/aUtah 10.65 11.20 11.94 588.94 544.87 505.26Vermont 12.29 9.45 9.12 1,459.97 758.93 822.96Virginia 13.73 13.01 13.07 611.25 576.62 675.74Washington 9.29 9.28 9.61 618.37 563.12 560.01West Virginia 9.11 8.68 9.08 1,305.08 1,376.86 1,391.53Wisconsin 6.04 5.93 5.63 1,460.33 1,431.21 1,401.97Wyoming 11.05 11.30 9.98 1,829.45 1,711.83 1,214.12Countrywide 9.30 8.92 8.96 1,114.96 1,061.05 1,257.99

CW w/o Texas 9.30 8.92 8.96 1,007.48 957.39 1,135.32

Table 32D




Traffic Conditions


Traffic Conditions Traffic conditions, such as accident rates and traffic density, are of interest to insurers and persons studying auto insurance. Fatal accident rates are calculated per 100 million vehicle miles traveled and per 1,000 vehicles registered. Traffic density is calculated as the number of vehicle miles traveled per mile of roadway, and as the number of vehicle miles traveled per registered vehicle.

Fatal injury accident data, vehicle miles, roadway miles and registered vehicle miles were obtained from the Federal Highway Administration, Highway Statistics (2012–2014). Fatal injury accident data are for motor vehicle accidents only.



STATE 2014 2013 2012 2014 2013 2012Alabama 1.25 1.31 1.33 0.16 0.18 0.18Alaska 1.50 1.05 1.23 0.10 0.07 0.08Arizona 1.23 1.40 1.37 0.14 0.16 0.16Arkansas 1.37 1.44 1.65 0.17 0.21 0.23California 0.92 0.91 0.88 0.11 0.11 0.11Colorado 1.00 1.02 1.01 0.11 0.11 0.11Connecticut 0.80 0.89 0.75 0.09 0.10 0.09Delaware 1.26 1.06 1.24 0.13 0.11 0.12District of Columbia 0.65 0.57 0.42 0.07 0.06 0.05Florida 1.24 1.25 1.27 0.17 0.17 0.16Georgia 1.04 1.08 1.11 0.15 0.16 0.16Hawaii 0.93 1.01 1.25 0.07 0.08 0.11Idaho 1.15 1.34 1.13 0.11 0.13 0.12Illinois 0.88 0.94 0.91 0.09 0.10 0.10Indiana 0.94 1.00 0.99 0.13 0.15 0.13Iowa 1.02 1.00 1.16 0.09 0.09 0.11Kansas 1.25 1.16 1.32 0.16 0.14 0.17Kentucky 1.40 1.36 1.58 0.17 0.16 0.21Louisiana 1.53 1.47 1.54 0.20 0.18 0.19Maine 0.92 1.03 1.16 0.11 0.13 0.15Maryland 0.78 0.82 0.89 0.11 0.12 0.13Massachusetts 0.57 0.58 0.62 0.07 0.07 0.07Michigan 0.93 1.00 0.99 0.11 0.12 0.12Minnesota 0.63 0.68 0.69 0.07 0.08 0.08Mississippi 1.54 1.58 1.51 0.30 0.30 0.29Missouri 1.08 1.09 1.21 0.15 0.13 0.15Montana 1.58 1.90 1.72 0.14 0.17 0.15Nebraska 1.15 1.09 1.10 0.12 0.11 0.12Nevada 1.15 1.06 1.07 0.13 0.12 0.13New Hampshire 0.73 1.05 0.84 0.08 0.10 0.09New Jersey 0.74 0.73 0.79 0.08 0.08 0.08New Mexico 1.51 1.24 1.43 0.21 0.17 0.21New York 0.80 0.92 0.91 0.10 0.12 0.12North Carolina 1.19 1.23 1.23 0.17 0.17 0.17North Dakota 1.28 1.47 1.69 0.16 0.18 0.22Ohio 0.89 0.88 1.00 0.10 0.10 0.11Oklahoma 1.40 1.41 1.48 0.20 0.20 0.21Oregon 1.03 0.93 1.01 0.11 0.09 0.10Pennsylvania 1.20 1.22 1.32 0.12 0.12 0.13Rhode Island 0.68 0.84 0.82 0.06 0.08 0.08South Carolina 1.65 1.57 1.76 0.21 0.20 0.23South Dakota 1.47 1.48 1.46 0.14 0.15 0.14Tennessee 1.33 1.40 1.42 0.18 0.19 0.19Texas 1.46 1.38 1.43 0.17 0.17 0.17Utah 0.93 0.81 0.82 0.12 0.11 0.11Vermont 0.62 0.97 1.07 0.08 0.12 0.13Virginia 0.87 0.92 0.96 0.10 0.11 0.11Washington 0.80 0.76 0.78 0.07 0.07 0.08West Virginia 1.42 1.73 1.76 0.18 0.24 0.24Wisconsin 0.84 0.91 1.04 0.10 0.11 0.12Wyoming 1.59 0.93 1.33 0.19 0.11 0.16Countrywide 1.08 1.09 1.13 0.13 0.13 0.14Source: Federal Highway Administration

Table 33

Traffic Conditions 2012-2014

Per 100 Million Vehicle Miles Per 1,000 Registered Vehicles

Fatal Accident Rates



STATE 2014 2013 2012 2014 2013 2012Alabama 643,677 638,729 638,035 12,505 13,931 13,785Alaska 308,793 309,213 293,974 6,321 6,434 6,447Arizona 954,839 911,886 921,359 11,583 11,668 11,992Arkansas 331,634 329,476 334,810 12,668 14,290 13,945California 1,475,882 1,883,175 1,859,111 11,942 12,082 12,122Colorado 552,007 530,326 528,316 10,574 10,440 10,683Connecticut 1,450,173 1,440,853 1,459,068 11,231 11,192 11,921Delaware 1,497,800 1,455,942 1,440,414 10,349 10,146 10,062District of Columbia 2,347,031 2,349,259 2,378,355 10,694 10,734 11,225Florida 1,642,608 1,578,391 1,570,842 13,450 13,211 12,719Georgia 874,838 850,217 856,325 14,020 14,426 14,436Hawaii 2,292,036 2,279,695 2,275,871 7,534 7,804 8,401Idaho 330,335 332,349 336,439 9,522 9,819 10,324Illinois 719,709 722,657 724,542 10,446 10,700 10,707Indiana 819,082 802,753 811,223 13,680 14,623 13,651Iowa 275,141 276,512 276,099 9,214 9,424 9,486Kansas 218,612 214,720 217,422 12,556 11,946 12,913Kentucky 601,310 590,420 596,868 11,873 11,983 13,261Louisiana 785,616 777,470 764,590 12,790 12,426 12,271Maine 624,083 617,488 620,822 12,512 12,438 12,601Maryland 1,764,374 1,748,431 1,744,581 14,371 15,182 14,626Massachusetts 1,581,804 1,548,288 1,539,779 11,820 11,586 11,592Michigan 796,376 778,869 774,660 12,377 12,004 12,553Minnesota 413,606 410,572 410,483 11,512 11,435 11,733Mississippi 521,152 515,970 514,319 19,369 18,951 19,105Missouri 538,970 526,600 519,052 13,691 12,324 12,435Montana 162,132 160,579 158,670 8,672 8,790 8,938Nebraska 208,938 206,054 205,513 10,349 10,529 10,501Nevada 590,959 614,101 626,139 11,667 11,559 11,719New Hampshire 804,017 801,535 800,593 10,510 9,663 10,546New Jersey 1,917,379 1,896,790 1,890,043 11,132 10,787 9,794New Mexico 370,292 354,466 373,795 13,583 13,805 14,698New York 1,125,916 1,130,822 1,117,792 12,244 12,560 12,691North Carolina 1,016,059 990,682 989,505 14,060 13,810 13,821North Dakota 120,697 115,984 116,078 12,611 12,479 12,986Ohio 917,657 914,592 914,294 11,222 11,324 11,529Oklahoma 423,338 424,990 424,318 14,077 14,400 14,453Oregon 471,020 473,208 559,767 10,394 9,592 9,640Pennsylvania 832,076 822,338 825,095 9,881 9,804 9,837Rhode Island 1,273,764 1,273,362 1,204,715 9,217 9,471 9,506South Carolina 654,399 739,616 740,240 12,793 12,647 12,957South Dakota 111,716 110,489 110,418 9,780 9,825 9,797Tennessee 756,959 743,881 745,026 13,569 13,439 13,620Texas 775,124 780,662 759,350 11,897 12,395 12,018Utah 597,023 583,848 578,067 13,270 13,533 13,827Vermont 495,800 498,810 504,918 12,122 12,205 12,522Virginia 1,081,222 1,080,520 1,085,361 11,628 11,771 11,704Washington 713,116 693,910 676,720 9,401 9,279 10,077West Virginia 493,227 496,323 496,996 12,780 13,783 13,724Wisconsin 521,242 516,621 513,381 11,871 11,861 11,975Wyoming 326,428 320,734 326,255 11,985 11,649 12,070Countrywide 724,348 726,121 725,387 12,010 12,075 12,108

Source: Federal Highway Administration

Table 34

Traffic Conditions 2012-2014

Vehicle Miles Per Highway Mile Vehicle Miles Per Registered VehicleTraffic Density


Crime


Crime

Vehicle theft rates play a role in determining the cost of comprehensive auto insurance coverage. Countrywide, the vehicle theft rate has slightly decreased going from 2.83 thefts per 1,000 registered vehicles in 2013 to 2.74 thefts per 1,000 registered vehicles in 2014.

Theft data were obtained from the FBI, Uniform Crime Reports (2012–2014). Registered vehicle numbers were obtained from the Federal Highway Administration, Highway Statistics (2012–2014).



STATE 2014 2013 2012Alabama 1.93 2.26 2.10Alaska 2.26 2.25 2.05Arizona 3.25 3.36 3.82Arkansas 2.09 2.42 2.38California 5.45 6.06 6.26Colorado 2.71 2.79 2.76Connecticut 2.20 2.25 2.46Delaware 1.37 1.45 1.57District of Columbia 11.47 9.84 11.51Florida 2.85 2.39 2.48Georgia 3.38 3.54 3.83Hawaii 2.87 2.85 3.01Idaho 0.98 0.94 0.86Illinois 1.74 2.13 2.63Indiana 2.39 2.65 2.36Iowa 1.22 1.26 1.21Kansas 2.82 2.63 2.86Kentucky 1.56 1.54 1.87Louisiana 2.62 2.38 2.06Maine 0.70 0.80 0.88Maryland 3.34 3.59 3.89Massachusetts 1.70 1.88 1.91Michigan 2.69 3.10 3.33Minnesota 1.68 1.60 1.74Mississippi 2.22 2.15 2.14Missouri 3.16 2.90 2.96Montana 1.46 1.35 1.27Nebraska 2.35 2.43 2.26Nevada 4.70 4.69 4.86New Hampshire 0.69 0.70 0.84New Jersey 1.74 1.99 2.17New Mexico 3.37 3.25 3.14New York 1.49 1.50 1.72North Carolina 1.77 1.92 2.12North Dakota 1.82 1.75 1.48Ohio 1.79 1.96 2.00Oklahoma 3.12 3.36 3.49Oregon 2.87 2.81 2.97Pennsylvania 1.29 1.37 1.50Rhode Island 2.20 2.72 3.20South Carolina 3.31 3.25 3.49South Dakota 1.07 1.01 1.14Tennessee 2.36 2.24 2.48Texas 3.35 3.33 3.28Utah 3.51 3.74 3.13Vermont 0.42 0.57 0.75Virginia 1.10 1.24 1.31Washington 4.96 4.61 4.69West Virginia 1.27 1.37 1.58Wisconsin 1.96 1.47 1.67Wyoming 0.76 0.72 0.76Countrywide 2.74 2.83 2.94

Sources: Federal Bureau of Investigation and Federal Highway Administration

Number of Thefts per 1,000 Registered Vehicles

Table 35

Crime 2012-2014Vehicle Thefts


Auto Repair Costs


Auto Repair Costs

The average cost of auto repairs influences several automobile coverages. Property damage liability, combined single premium liability and uninsured/ underinsured motorist (which both have a property damage component), collision, and comprehensive coverages are all affected by the costs associated with repairing a motor vehicle.

Average repair cost data from Automatic Data Processing, Inc., and Audatex, a Solera Company included in prior report years is no longer publicly available.


Economic/Demographic Data


Economic/Demographic Data Population densities and disposable income levels, while not factors directly influencing automobile insurance, are often of interest in studying this market. Higher population density means more people (and their vehicles) in a given space, thus increasing the possibility of accidents or theft. Higher disposable income brings not only the opportunity for newer and higher-priced vehicles, but also the economic need for coverage limits greater than state minimum requirements to protect policyholder assets. These situations will increase insurance costs.

Countrywide population per square mile increased from 89 persons per square mile in 2013 to 90 persons per square mile in 2014. Per capita disposable personal income increased from $39,192 in 2013 to $40,859 in 2014. It is important to remember that these are aggregate averages and are going to vary considerably depending on location.

Population and land area data were obtained from the U.S. Bureau of the Census. Personal income data were obtained from the U.S. Bureau of Economic Analysis.



% of Population inSTATE 2014 2013 2012 Metro Areas, 2010Alabama 95 95 95 71.4%Alaska 1 1 1 67.0%Arizona 59 58 58 92.2%Arkansas 57 57 57 60.2%California 248 246 244 97.5%Colorado 52 51 50 86.0%Connecticut 741 742 742 91.3%Delaware 478 474 469 77.9%District of Columbia 10,803 10,642 10,415 99.5%Florida 369 363 359 93.9%Georgia 174 172 171 80.8%Hawaii 221 219 217 69.9%Idaho 20 19 19 65.4%Illinois 231 232 232 86.9%Indiana 184 183 182 78.2%Iowa 56 55 55 56.5%Kansas 35 35 35 68.2%Kentucky 111 111 110 58.1%Louisiana 107 106 106 74.4%Maine 43 43 43 58.4%Maryland 611 607 603 94.4%Massachusetts 861 855 849 99.4%Michigan 175 174 174 81.3%Minnesota 68 68 68 74.8%Mississippi 64 64 64 44.8%Missouri 88 88 87 74.4%Montana 7 7 7 35.2%Nebraska 24 24 24 58.5%Nevada 26 25 25 89.9%New Hampshire 148 147 147 62.2%New Jersey 1,203 1,200 1,196 99.9%New Mexico 17 17 17 66.3%New York 418 417 415 91.9%North Carolina 204 202 200 70.1%North Dakota 11 10 10 48.2%Ohio 283 283 282 80.6%Oklahoma 56 56 56 64.0%Oregon 41 41 41 77.6%Pennsylvania 285 285 285 84.1%Rhode Island 1,009 1,008 1,008 100.0%South Carolina 160 158 157 76.3%South Dakota 11 11 11 45.2%Tennessee 159 158 157 73.3%Texas 103 101 100 87.4%Utah 36 35 35 88.2%Vermont 68 68 68 33.7%Virginia 210 209 207 85.8%Washington 106 105 104 87.5%West Virginia 77 77 77 55.7%Wisconsin 106 106 105 72.8%Wyoming 6 6 6 29.6%Countrywide 90 89 89 83.7%

Source: U.S. Bureau of the Census

Table 36

Economic / Demographic Data 2012-2014

Persons per Square MilePopulation Densities



STATE 2014 2013 2012Alabama 33,535 32,436 32,396Alaska 49,756 46,858 48,465Arizona 34,321 32,954 32,770Arkansas 33,929 32,488 32,934California 43,978 41,945 42,451Colorado 43,609 41,098 39,838Connecticut 56,186 53,939 55,895Delaware 40,256 38,879 38,893District of Columbia 59,936 56,573 57,155Florida 38,350 36,606 37,195Georgia 34,558 33,100 33,167Hawaii 41,801 40,094 40,339Idaho 33,600 32,312 31,589Illinois 42,256 40,619 40,143Indiana 36,364 35,163 35,125Iowa 39,820 38,676 38,326Kansas 41,634 41,140 40,424Kentucky 33,237 31,951 32,202Louisiana 37,787 36,244 36,448Maine 37,049 35,588 35,993Maryland 46,875 45,664 46,815Massachusetts 50,366 48,504 49,507Michigan 36,419 34,854 34,727Minnesota 42,516 40,905 41,491Mississippi 31,365 30,580 30,385Missouri 36,690 35,616 35,958Montana 36,041 35,296 35,876Nebraska 43,277 41,110 41,599Nevada 36,477 34,856 35,605New Hampshire 48,280 46,651 47,346New Jersey 49,983 47,972 48,569New Mexico 33,358 31,573 32,526New York 47,446 45,710 46,010North Carolina 35,099 33,710 34,814North Dakota 51,311 49,309 50,227Ohio 37,490 36,168 36,035Oklahoma 40,879 38,623 37,298Oregon 36,445 34,553 34,683Pennsylvania 42,414 40,840 41,020Rhode Island 42,585 41,139 41,492South Carolina 33,295 31,830 32,117South Dakota 41,825 40,747 41,402Tennessee 36,909 35,668 35,916Texas 41,090 39,031 39,224Utah 33,566 32,176 31,991Vermont 42,267 40,990 40,735Virginia 43,904 42,474 43,685Washington 45,143 42,975 43,026West Virginia 32,277 31,312 31,665Wisconsin 39,433 37,835 38,044Wyoming 49,918 46,848 46,930Countrywide 40,859 39,192 39,473

Source: Bureau of Economic Analysis

Per Capita Disposable Personal Income

Table 37

Economic / Demographic Data 2012-2014Disposable Income


State Laws


State Laws State laws have considerable influence on auto insurance. Each state determines the type of tort law and threshold (if any) that applies in the state, the type and amount of liability insurance required, and the system used for approval of insurer rates and forms. In addition, the states have enacted varying auto seat belt requirements, drunk driving laws, and maximum speed limits.

****** The states employ a variety of rate regulation mechanisms. Options include: 1) determined by Commissioner; 2) prior approval; 3) modified prior approval; 4) flex rating; 5) file and use; 6) use and file; and 7) no file. Form filing laws govern the type of policy form regulation used by the state. Options include prior approval; file and use; use and file; and no file.

Determined by Commissioner: Rates are set by the state’s insurance commissioner.

Prior Approval: Rates/forms must be filed

with and approved by the state insurance department before they can be used. Approval can be by means of a deemer provision, which indicates approval if rates/forms are not denied within a specified number of days.

Modified Prior Approval: Rate revisions

involving change in expense ratio or rate relativity require prior approval. Rate revisions based on experience only are subject to “file and use” laws.

Flex Rating: Prior approval of rates

required only if they exceed a certain percentage above (and sometimes below) the previously filed rates.

File and Use: Rates/forms must be filed with the state insurance department prior to their use. Specific approval is not required.

Use and File: Rates/forms must be filed with the state insurance department within a specified period after they have been placed in use.

No File: Rates/forms are not required to be

filed with or approved by the state insurance department. However, the company must maintain records of experience and other information used in developing the rates/forms and make these available to the commissioner upon request.

Alabama: Form filing made not less than 30 days in advance of such delivery. Commissioner may extend 30 days. Alaska: Insurers may use either prior approval or file and use for form filings, but must specify the procedure that is being used. Director may exempt insurer from form filing requirements if deemed that requirements may not be practically applied or if not necessary for the protection of public. Arizona: There is a 30-day waiting period for form filings. Director may exempt insurer from form filing requirements if deemed that requirements may not be practically applied or if not necessary for the protection of public. Arkansas: Regarding rate filings, file and use (20 days) competitive market; prior approval (60 day deemer) in non-competitive market. California: Regarding form filings, prior approval; no form shall be issued or used prior to commissioner approval or until 30 days after filing was made. Colorado: Regarding form filings, prior approval – filed for 30 days prior to becoming effective. Commissioner may extend 30 days with notice. Regarding rate filings, file and use (30 days) – regulated by “open competition,” but if the commissioner determines that rates will be excessive or destructive to insurer solvency, the rates for such insurance shall be regulated as Type I.


Connecticut: Regarding rate filings, file and use in competitive market; file and use (30 day waiting period) in noncompetitive market. Delaware: Regarding form filings, commissioner may exempt insurer from filing requirements, if deemed that requirements may not be practically applied or if not necessary for protection of public. District of Columbia: For rate filings, file and use – if, after a hearing, the commissioner determines that a rate is excessive or inadequate, he or she shall order an adjustment. Florida: Regarding form filings, prior approval – filing 30 days in advance of use or delivery. Commissioner may extend 15 days with notice. Regarding rate filings, if use and file rate is found excessive, the insurer must return excess premium. If a rate change is inadequate, the office shall order that a new rate be filed. Georgia: Regarding rate filings, prior approval for statutory coverages only; all other coverages will be file and use. Regarding form filings, prior approval – Directive 91-PC-23 is filing standard for loss cost. Hawaii: Regarding rate filings, prior approval – 30-day waiting period – commissioner may require insurers to submit new filings for any type of coverage when the commissioner has actuarially sound information that the rates are excessive, inadequate or unfairly discriminatory. Idaho: Regarding form filings, file and use – filing shall be submitted with certification that each policy complies with Idaho law. Illinois: Regarding rate filings, no filing needed for individual risks that cannot be rated in the normal course of business due to special or unusual characteristics. A company must maintain documentary information regarding rates. Kansas: Regarding form filing, there is a 30 day waiting period before the form can be put into effect. Regarding rate filing, file and use (30 days).

Kentucky: Regarding rate filing, use and file unless the change is greater than +/- 25%, which triggers prior approval. Regarding form filing, prior approval – filing not less than 60 days in advance of delivery. Commissioner may extend 30 days with notice. Regarding form filing laws, refer to KRS 304.20-040. Louisiana: Regarding rate filings, prior approval with a 45 day deemer. Regarding form filings, prior approval with a 45 day deemer. Maine: Regarding rate filing, statute contains a deemer but does not specifically require prior approval. Regarding form filing, statute contains a deemer provision. Massachusetts: Regarding rate filing, companies must adhere to the commissioner’s managed competition and transition rules. Regarding form filing, companies must adhere to the commissioner’s managed competition and transition rules. Generally, file and use. Michigan: Regarding rate filings, group-rated programs are prior approval; Section 2129 exemption insurer rate filings are prior approval unless alternate file and use requested. Pursuant to Bulletin 2009-11, on and after July 1, 2009, all new and revised personal automobile forms must be filed for approval. Regarding form filings, all new and revised personal automobile forms must be filed for approval. Minnesota Regarding form filings, refer to Bulletin 2005-2 expedited review for auto filings. This bulletin gives companies the option of filing auto forms, rules and rates without review, provided a certification of compliance is completed. Regarding rate filings – effective upon filing. Optional expedited filing procedure includes a certification signed by an officer that the filing complies with all laws and regulations. Refer to Bulletin 2005-2. Missouri: Regarding form filings, the department of insurance can disapprove forms within 60 days. Regarding rate filing, use and file (10 days)


Montana: Regarding rate filings, rates must be filed prior to use with supporting data. Regarding form filings, see MCA § 33-1-501. Nebraska: For both rate and form filings, since 2006, file and use. Nevada: Regarding rate filing, Bulletin 10-010 outlines filing procedure. New Hampshire: Regarding rate filings, file and use (30 days) in a competitive market. Prior approval (30 day deemer can be extended 30 days) in a non-competitive market. New Jersey: Regarding rate filing, prior approval – may file rate changes within range of 3% of prior rate and get approval decision within 30 days; within 7%, approval decision within 45 days. New Mexico: Regarding rate filings, prior approval required in non-competitive, reverse competitive and residual markets. Must file at least 30 days before effective date (60 day deemer). File and use for personal lines. No file for commercial lines. Effective Oct. 1, 2007. Regarding form filings, prior approval filed 60 days prior to effective date. New York: Regarding rate filings, prior approval unless filing is +/- 5%, at which point flex rating applies. Regarding form filings – prior approval filed 30 days prior to delivery. North Carolina: Regarding form filings, prior approval – filed and approved by commissioner or 80 days passed after filing. North Dakota: Regarding rate filing, a rate/rule filing of less than 5% for personal auto policy may be use-and-file once per calendar year per company. Otherwise, the filing must meet the prior approval standard; see N.D.C.C. § 26.1-25-04. Ohio: Regarding form filing, file and use – insurer must file with superintendent. Oklahoma: With regard to rate filings, from 2005 to present, this is under jurisdiction of the commissioner. Regarding form filings, they are under the jurisdiction of the commissioner; the file

and use self-certification option is available and under the jurisdiction of the commissioner. Rhode Island: Regarding rate filings, flex rating is allowed for rate revision within +/-5%. Regarding form filings, prior approval – filed with the director and approved prior to being issued. South Carolina: Regarding rate filings, filings under 7% are file and use, over 7% are prior approval. Regarding form filings, prior approval (60 day deemer). South Dakota: Regarding form filings, prior approval – filed not less than 30 days in advance of delivery. Commissioner may extend 30 days with notice. Tennessee: Regarding rate filings, see TCA § 56-5-305. Regarding form filings, prior approval (30 day deemer plus 30 day extension). Texas: Regarding form filings, policy forms are regulated under Chapter 2301 (Art. 5.145 & Sect. 8, Art. 5.13-2, TX INS CODE). Insurers may file policy forms subject to prior approval. Utah: Regarding rate filings, use and file (30 days) – commissioner may disapprove within 90 days after filing. May, by rule, specify rates be filed 30 days before becoming effective. Vermont: Regarding rate filings, Vermont is an open competition state. Rates must be filed and can be disapproved for lack of supporting information. Regarding form filings, prior approval – filed at least 30 days prior to proposed effective date. Commissioner may extend 30 days with notice. Virginia: Regarding form filings, the Bureau of Insurance is authorized to establish standard forms that insurers must use. Approval of coverage broadenings for individual insurers is also permitted. Washington: Regarding form filings, prior approval – filed not less than 30 days in advance of issuance of any policy. Commissioner may extend 15 days with notice. Regarding rate filings, prior approval (30 day deemer can be extended to 45 days.


West Virginia: Regarding form filings, filed no less than 60 days in advance of any delivery, unless time period is extended by the commissioner. Regarding rate filings, prior approval (60 day deemer). Wisconsin: Regarding form filings, prior approval – no form shall be issued or delivered prior to commissioner approval or until 30 days after filing was made. Commissioner may extend 30 days. Wyoming: Regarding rate filings, rating laws are no file for competitive market and prior approval (30 day deemer) non-competitive market. Competitive market is assumed to exist unless designated as non-competitive or by finding of non-competitiveness. Regarding form filings – prior approval, filed not less than 45 days in advance of delivery. Commissioner may extend 45 days with notice.

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Tort insurance laws determine how liability is assigned in an accident. Options include: 1) tort; 2) no-fault; and 3) add-on. Due to the uniqueness of each state’s laws, it cannot be assumed that two states placed within the same general category have comparable systems.

Tort: Third-party benefits with no tort limitation.

No-fault: Compulsory first-party benefits

with general tort limitation. There are usually exceptions to tort limitations for certain situations specifically delineated in a particular state’s laws.

Add-on: First-party benefits, either

compulsory or optional, with no tort limitation in general. There may be some tort limitations for certain situations specifically delineated in a particular state’s laws.

Tort threshold types indicate the type of threshold that must be reached before a person may sue for damages resulting from an accident. Options include: 1) none; 2) dollar amount; 3) verbal; and 4) choice.

None: There is no limitation on the ability to sue.

Dollar Amount: Damages must exceed a

given dollar amount (listed in the table) before a person may sue for damages.

Verbal: Damages must exceed a statutory

level of seriousness (e.g., broken bone) before a person may sue for damages.

Choice: Consumers may choose whether to

accept limits on their ability to sue. Hawaii: Tort liability is not abolished in the event of death or serious bodily injury or disfigurement. As of 2012, tort threshold changed from $5,000 or verbal to $5,000. Kentucky: The restrictions on one’s tort rights can be rejected in writing. The writing must be filed with the insurance department and is valid until revoked. [This provision has been in place since 1975.] New Jersey: The basic policy is verbal.

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All of the states require a demonstration of financial responsibility in order to operate a vehicle. Most of the states require this to be in the form of liability insurance purchased from an insurer. The required limits vary by state, and are represented in the form ##/##/##, where the first two numbers refer to bodily injury liability limits, and the third number refers to property damage liability limits. For example, 10/20/5 means coverage up to $20,000 for all persons injured in an accident, subject to a limit of $10,000 for any one individual; and $5,000 coverage for property damage. Alabama: Beginning June 1, 2000, “No person shall operate, register or maintain registration of...a motor vehicle...unless the motor vehicle is covered by a liability insurance policy, ...bond, or deposit of cash.” Per Alabama’s Mandatory Liability Insurance (MLI) Act. (§32-7A-1 through §32-7A-26) Alaska: The operator or owner of a motor vehicle subject to registration under AS 28.10.011 when


driven on a highway, vehicular way or area, or on other public property in the state, shall be insured under a motor vehicle liability policy that complies with Chapter 28.22 or a certificate of self-insurance that complies with AS 28.20.400. Sec. 28.20.400. Self-insurer— (a) A person in whose name more than 25 vehicles are registered in this state may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the department.. Arizona: Proof of financial responsibility can be in the form of a certificate of insurance (Statutes 28-4077 or 28-4078), a bond, or certificate of deposit or cash in the amount of $40,000 (statute 28-4084). (ARS Title 28 – Chapter 9 of Arizona Statutes) Arkansas: Title 27, Subtitle 2, Chapter 22, Subchapter 1 (§ 27-22-104)—Proof of insurance issued by an insurance company authorized to do business in the state or a certificate of self-insurance under § 27-19-107. California: Financial responsibility law requires 15/30/5 limits; however 10/20/3 is available for those eligible for the Low Cost Automobile Insurance Program. Non-Insurance proof of financial responsibility may include a DMV-issued self-insurance certificate or a Surety bond for $35,000 from a company licensed to do business in California. Colorado: C.R.S. 10-4-619 to 10-4-624, 42-7-101 to 42-7-510. Minimum liability insurance is required for bodily injury or death. Non-insurance proof of financial responsibility is a bond has been duly executed or that deposit has been made of money; or Securities as provided in section 42-7-418; or for persons who are valid self-insurers as approved by the commissioner. Self-insurance is for owners of 25+ motor vehicles (Section 10-4-624). Connecticut: Sec 14-112 Proof of financial responsibility may include a certificate of insurance, a bond, or collateral. Persons who have more than 25 motor vehicles registered may qualify as a self-insurer by obtaining a self-insurance certificate issued by the commissioner (Sec 14-129). Delaware: Alternatives to insurance are approved by the Office of the Insurance Commissioner. Per

Title 21 §2947—Proof of financial responsibility when required may be: (1) Certificate of insurance as provided in § 2948 or § 2949 of Title 21; or (2) Bond as provided in § 2950 of Title 21; or (3) Certificate of deposit of money or securities as provided in § 2951 Title 21; or (4) Statement from an insurance carrier certifying that there is in effect a motor vehicle liability policy covering the operator or vehicle. District of Columbia: §31-2406 Insurance is required, however an owner of 25 or more vehicles may qualify for self-insurance as approved by the Mayor per §50-1301.79. Florida: For property damage only. 100/300/50 is compulsory if guilty of driving under the influence, as of Oct. 1, 2007. Financial Responsibility —Furnishing satisfactory evidence of holding a motor vehicle liability policy as defined in ss. 324.021(8) and 324.151; (2) Furnishing a certificate of self-insurance showing a deposit of cash in accordance with s. 324.161; or (3) Furnishing a certificate of self-insurance issued by the department in accordance with s. 324.171. Georgia: For more information on compulsory uninsured motorist, refer to OCGA 33-7-11 for complete wording including recent changes per SB-276. Hawaii: PIP and UM are compulsory, however, there is a non-insurance alternative that includes but is not limited to requiring an applicant to submit to the commissioner proof of financial responsibility that could include cash, bonds, or securities in the amount of at least $300,000 as well as proof to timely pay benefits and to promptly process and pay claims. UM must be offered at initial policy purchase time only, then insurer must obtain rejection in writing from insured if waived. Idaho: Pursuant to 49-1224 – Self Insurance. Any person in whose name more than twenty-five (25) motor vehicles are registered and titled in Idaho may obtain a certificate of self-insurance issued by the department. 49-1229—A motor vehicle owner who prefers to post an indemnity bond with the director of the department of insurance in lieu of obtaining a policy of liability insurance may do so.


Illinois: 325 ILCS 5/7-502—Self-insurers. Any person in whose name more than 25 motor vehicles are registered may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the Director of the Department of Insurance as provided in this Section. Indiana: 25/50/25 for motor vehicle insurance issued or renewed on or after 7/1/2017. HEA 1033, effective July 1, 2017, is the bill reference. Other types of financial responsibility accepted - Deposit with the treasurer of the state (cash, securities, trust funds). Iowa: §321A.18 - Alternate methods of giving proof— A certificate of insurance as provided in section 321A.19 or section 321A.20; A bond as provided in section 321A.24 (); A certificate of deposit as provided in section 321A.25 ($55,000). §321A.34 Self-Insurance— A person who has more than 25 motor vehicles registered in his/her name may qualify as a self-insurer by obtaining a certificate from the department. Kansas: Liability limits changed from to 25/50/25 effective 1/1/2017 from 25/50/10 prior to 1/1/2017. Proof of Financial Responsibility—KSA 40-3104: Self Insurance: Any person in whose name more than 25 motor vehicles are registered in Kansas may qualify as a self-insurer by obtaining a certificate of self-insurance from the commissioner of insurance. Kentucky: 25/50/10 for 2017 and prior. Per 2017 legislation, effective 1/1/2018 required limits will be 25/50/25 for any policy issued or renewed after 1/1/2018. The single limit option of $60,000 did not change. 187.600 Self Insurance: Any person in whose name more than twenty-five (25) motor vehicles are registered may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the Transportation Cabinet. Louisiana: Pursuant to R.S. 32:861—Motor vehicles shall be covered by an automobile liability policy with liability limits as defined by the state, or a binder for same, or by a motor vehicle liability bond as defined by the state (minimum of 25,000 for property damage; 15,000 for bodily injury or death of one person; 30,000 on any on accident with injury

or death of more than one person), or by a certificate of the state treasurer stating that cash or securities have been deposited or securitized with said treasurer of 50,000, or by a certificate of self-insurance as provided by R.S. 32:1042. Maine: $2,000 medical payments required after 2007. Proof of financial Responsibility includes maintaining at least the minimum required by law in an insurance policy, or delivering to the Secretary of State a receipt of the Treasurer of State showing a deposit of money or securities approved by the Treasurer of State with a value equivalent to the amount required in an insurance policy (Title 29-A, §1605: Proof of financial responsibility) Maryland: Md. TRANSPORTATION Code Ann. § 17-103—Form of security required under law includes meeting the minimum vehicle liability insurance policy standards or the Administration may accept another form of security in place of a vehicle liability insurance policy if it finds that the other form of security adequately provides the benefits required in § 17-103 (b). Self- Insurance is also an option if approved by the Administration § 17-103 (a)(3). Massachusetts: (M.G.L.A. 90: § 1A and § 34A-§ 34D, §34M)—Proof of security (financial responsibility) includes insurance; a certificate of state treasurer stating cash was deposited of at least $10,000 (M.G.L.A. 90 §34D); a motor vehicle liability bond (M.G.L.A. 90 §34C); or self-insurance (M.G.L.A. 90 §49G) which has been approved by the Department. Michigan: Self-Insurance: A person in whose name more than 25 motor vehicles are registered may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the commissioner (Act 218, 500.3101d). Alternative Methods for proof of financial responsibility include: (1) A certificate of insurance as provided in section 518 or section 519; or (2) A bond as provided in section 523; or (3) A certificate of deposit of money or securities as provided in section 524 (Act 300 – Section 257.517). Minnesota: (65B.48)—Subject to approval of self-insurance by commissioner, self-insurance is an


alternative provided applicant provides sufficient evidence to satisfy requirements. Mississippi: HB 621 (Eff. 1/1/2001) established compulsory automobile liability insurance system. This requirement can be satisfied through insurance, or through non-insurance proof of liability by posting a bond for the same amounts of as the minimum limits, or making a cash or security deposit equal to the minimum requirements. Missouri: Title 19 § 303.180: Proof of financial responsibility when required under Chapter 303 with respect to a motor vehicle or with respect to a person who is not the owner of a motor vehicle may be given by filing: (1) A certificate of insurance as provided in section 303.170 or section 303.180; or (2) A bond as provided in section 303.230; or (3) A certificate of deposit of money or securities as provided in section 303.240; or (4) A certificate of self-insurance, as provided in section 303.220, supplemented by an agreement by the self-insurer that, with respect to accidents occurring while the certificate is in force, he will pay the same judgments and in the same amounts that an insurer would have been obligated to pay under an owner's motor vehicle liability policy if it had issued such a policy to said self-insurer. Montana: 61-6-132. Alternate methods of giving proof. (1) Proof of financial responsibility when required under this part with respect to a motor vehicle or with respect to a person who is not the owner of a motor vehicle may be given by filing: (a) a certificate of insurance as provided in 61-6-133 or 61-6-134; (b) a bond as provided in 61-6-137; (c) a certificate or deposit of money or securities as provided in 61-6-138; or (d) a certificate of self-insurance, as provided in 61-6-143, supplemented by an agreement by the self-insurer that, with respect to accidents occurring while the certificate is in force, the self-insurer will pay the same judgments and in the same amounts that an insurer would have been obligated to pay under an owner's motor vehicle liability policy if it had issued a policy to the self-insurer. Nebraska: NE statute 60-346 defines proof of financial responsibility as evidence of ability to pay damages for liability (60-387, Proof of financial

responsibility shall be furnished for each motor vehicle registered by any person required to give such proof by filing: (1) A certificate of insurance as provided in section 60-529 or 60-531; (2) A bond as provided in sections 60-547 and 60-548; (3) A certificate of deposit of money or securities as provided in section 60-549; or (4) A certificate of self-insurance as provided in sections 60-562 to 60-564. The department shall issue to any person providing the proof of financial responsibility a copy of any filing described in subdivision (2), (3), or (4) of section 60-528 with the department's seal affixed to the copy. Nevada: Self-insurers may post bonds in lieu of purchasing insurance. However, only persons registering 10 or more vehicles may qualify as self-insurers (NRS 485.380). Note that effective 7/1/2018 liability limits change from 15/30/10 to 25/50/20. New Hampshire: NH is not a compulsory state. However, if insurance is purchased, limits are 25/50/25 and $1,000 medical payments if buying auto insurance for personal use, NH RSA 264:16; NH RSA 259:61. New Jersey: The minimum limits for New Jersey are 15/30/5 liability and uninsured motorist/ underinsured motorist coverage and $250,000 personal injury protection coverage (with lower limits available). A basic policy was introduced March 22, 1999, whereby the insured can purchase $15,000 of PIP benefits (with $250,000 available for catastrophic injury) and $5,000 property damage. Bodily injury coverage of $10,000 is optional. Uninsured motorist coverage is not available under the basic policy. Effective Oct. 1, 2003, a Special Auto Insurance Policy (SAIP) was offered to individuals who are eligible for and enrolled in the federal Medicaid program, which provides only emergency PIP coverage of $250,000 per person, per accident. Liability coverage and uninsured motorist/ underinsured motorist coverages are not available. Self-Insurance: At the discretion of the Insurance Commissioner, any person in whose name more than 25 motor vehicles are registered or in whose name more than 25 motor vehicles are leased may qualify as a self-insurer by obtaining a certificate of self-


insurance issued by the Commissioner of Insurance (NJ ST 39:6-52) New Mexico: The Mandatory Financial Responsibility Act (MFRA) (Sections 66-5-201 to 66-5-239 NMSA 1978): Self Insurers (66-5-207.1)—The superintendent of insurance shall issue a Certificate of self-insurance to an applicant with motor vehicles registered in his name in this state, provided that the applicant has met the same criteria for self-insurance as set by the superintendent of insurance for workmen’s compensation liability. Insurance must meet requirements as set by 66-5-208, if evidence is in the form of a surety bond or a cash deposit, the total amount shall be $60,000 66-5-208). New York: Policyholders must also have 50/100 for wrongful death coverage. Title 3, Article 6, VAT §311—The term “proof of financial security” shall mean proof of ability to respond in damages for liability arising out of the ownership, maintenance or use of a motor vehicle as evidenced by an owner's policy of liability insurance, a financial security bond, a financial security deposit, or qualifications as a self-insurer under §316. North Carolina: Article 13 § 20-309: Financial responsibility shall be a liability insurance policy or a financial security bond or a financial security deposit or by qualification as a self-insurer, as these terms are defined and described in Article 9A, Chapter 20 of the General Statutes of North Carolina, as amended. North Dakota: 39-16-32. Self-insurer: Any person in whose name more than twenty-five motor vehicles are registered may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the director as provided in subsection 2 of 39-16-32. 39-161-.1-08: Proof of financial responsibility when required under this chapter may be given by filing: 1. A certificate of insurance as provided in sections 39-16.1-09 and 39-16.1-10; 2. A bond as provided in section 39-16.1-14; or 3. A certificate of deposit of money or securities as provided in section 39-16.1-15. Ohio: Minimum limits apply to mandatory financial responsibility, which can be satisfied through means

other than insurance. Policies issued or renewed prior to December 22, 2013 at the current lower limits, continue to constitute proof of financial responsibility for the remainder of the term of that policy. Minimum limits changed from 12.5/25/7.5 to 25/50/25. Oklahoma: §47-7-320 Proof of financial responsibility when required under this article, with respect to a vehicle or with respect to a person who is not the owner of a vehicle, may be given by filing: 1. A security verification form as defined in Section 7-600 of this title; 2. A certificate of deposit of money or securities as provided in Section 7-330 of this title; or 3. A certificate of self-insurance, as provided in Section 7-503 of this title, supplemented by an agreement by the self-insurer that, with respect to accidents occurring while the certificate is in force, the self-insurer will pay the same amounts that an insurer would have been obliged to pay under a motor vehicle liability policy if the insurance carrier had issued a policy to the self-insurer. Oregon: Change in limits from 25/50/10 to 25/50/20, applies to motor vehicle insurance policies issued or renewed on or after Jan. 1, 2010. For prior conviction of driving under the influence of intoxicants, the requirements are 50/100/10. Financial responsibility requirements—To meet the financial responsibility requirements, a person must be able to respond in damages in amounts not less than those established under the payment schedule under ORS 806.070 and respond to damages by (a) Obtaining a motor vehicle liability policy meeting the requirements under ORS 806.080 that will provide at least minimum limits necessary to pay amounts established under the payment schedule under ORS 806.070; or (b) Becoming self-insured as provided under ORS 806.130. [1983 c.338 §842; 1985 c.16 §426; 1995 c.41 §5; 2003 c.175 §5]. Pennsylvania: 75 Pa.C.S.A. §1782: Proof of financial responsibility may be furnished by filing evidence satisfactory to the department that all motor vehicles registered in a person's name are covered by motor vehicle liability insurance or by a program of self-insurance as provided by section 1787 (relating to self-insurance) or other reliable financial arrangements, deposits, resources or commitments acceptable to the department.


Rhode Island: § 31-32-20 Alternate methods of giving proof. - Proof of financial responsibility when required under this chapter, with respect to a vehicle or with respect to a person who is not the owner of a vehicle, may be given by filing: (1) A certificate of insurance as provided in § 31-32-21 or 31-32-22; (2) A bond as provided in 31-32-27; (3) A certificate of deposit of money or securities as provided in § 31-32-30; (4) A certificate of self-insurance, as provided in § 31-33-9, supplemented by an agreement by the self-insurer that, with respect to accidents occurring while the certificate is in force, the self-insurer will pay the same amounts that an insurer would have been obliged to pay under an owner's motor vehicle liability policy if it had issued a policy to the self-insurer. South Carolina: SECTION 56-10-20: The security required under this chapter is a policy or policies written by insurers authorized to write such policies in South Carolina providing for at least (1) the minimum coverages specified in Sections 38-77-140 through 38-77-230 and (2) the benefits required under Sections 38-77-240, 38-77-250, and 38-77-260. However, the director or his designee may approve and accept another form of security in lieu of such a liability insurance policy if he finds that such other form of security is adequate to provide and does in fact provide the benefits required by this chapter. SECTION 56-9-60 (Self Insurance): A person or company who has more than twenty-five motor vehicles registered in his name may qualify as a self-insurer. South Dakota: Non-insurance financial responsibility may include a bond from a surety company or a bond with at least two individual sureties each owning real estate within this state; a certificate of the state treasurer of money or securities deposited equal to state minimum coverage. Alternatively, if a person registers more than 25 vehicles, one can self-insure. A certificate of self-insurance is issued at the discretion of Dept. of public Safety (Dept.) if the Dept. is satisfied that one is in sufficient financial condition. Tennessee: Effective 1/1/17 the single limit of $60,000 changed to $65,000. 55-12-102 (12) defines amounts of financial responsibility. 55-12-139(2)—

proof of financial responsibility includes (A) a document confirming insurance from policy carrier; (B) a certificate, valid for one year, issued by the commissioner of safety, stating that 1) a cash deposit or bond in the amount required by this part has been paid or filed with the commissioner of revenue or 2) the driver has qualified as a self-insurer under § 55-12-111. Texas: Effective January 1, 2011--SB502, 80(R), Texas Legislative Session, Chapter 601, Texas Transportation Code (601.072). Transportation Code Section 601.051. Financial responsibility must be established for a vehicle through: Transportation Code Sec. 601.051. REQUIREMENT OF FINANCIAL RESPONSIBILITY. A person may not operate a motor vehicle in this state unless financial responsibility is established for that vehicle through: (1) a motor vehicle liability insurance policy that complies with Subchapter D; (2) a surety bond filed under Section 601.121; (3) a deposit under Section 601.122; (4) a deposit under Section 601.123; or (5) self-insurance under Section 601.124. Utah: (41-12a-401) Proof of owner's or operator's security (i.e. financial responsibility)—(a) a certificate of insurance under Section 41-12a-402 or 41-12a-403; (b) a copy of a surety bond under Section 41-12a-405; (c) a certificate of deposit of money or securities issued by the state treasurer under Section 41-12a-406; or (d) a certificate of self-funded coverage under Section 41-12a-407. Vermont: 23 V.S.A. § 800—Maintenance of financial responsibility: Automobile liability policy or bond in the amounts as required by law in the above mentioned section. In lieu of insurance/bond, evidence of self-insurance in the amount of as required by law in the statute above must be filed with the Commissioner of Motor Vehicles, and shall be maintained and evidenced in a form prescribed by the Commissioner. Virginia: Financial Responsibility requirement can be met by either paying the Uninsured Motorist Vehicle Fee paid to the DMV or purchasing insurance. The fee does not provide insurance; it only allows one to drive an uninsured vehicle at own risk. Or the owner may purchase insurance. If


insurance is purchased it must have minimum limits of 25/50/20. Washington: RCW 46.29.450 Alternate methods of giving proof: (1) A certificate of insurance as provided in RCW 46.29.460 or 46.29.470; (2) A bond as provided in RCW 46.29.520; (3) A certificate of deposit of money or securities as provided in RCW 46.29.550; or (4) A certificate of self-insurance, as provided in RCW 46.29.630, supplemented by an agreement by the self-insurer that, with respect to accidents occurring while the certificate is in force, he or she will pay the same amounts that an insurer would have been obliged to pay under an owner's motor vehicle liability policy if it had issued such a policy to said self-insurer. West Virginia: §17D-6-2. Self-insurers. a) Any person in whose name more than twenty-five vehicles are registered may qualify as a self-insurer by annually obtaining a certificate of self-insurance issued by the commissioner as provided in subsection (b) of this section. (b) The commissioner may, in his or her discretion, upon the application of such a person, issue a certificate of self-insurance when he or she is satisfied that such person is possessed and will continue to be possessed of ability to pay judgments obtained against such person. The commissioner may not issue a certificate of self-insurance unless the applicant is listed as the registered owner of the motor vehicles and the applicant files an itemized financial statement that reflects a minimum of one million dollars in total assets. The listed assets must be wholly owned by the applicant. Wisconsin: 344.30 Methods of giving proof of financial responsibility—Whenever a person is required under ch. 343 or this chapter to give proof of financial responsibility for the future, such proof may be given by filing: (1) Certification of insurance as provided in s. 344.31; or (2) A bond as provided in s. 344.36; or (3) A certificate of deposit of money or securities as provided in s. 344.37; or (4) A certificate of self-insurance as provided in s. 344.16, supplemented by an agreement by the self-insurer that, with respect to accidents occurring while the certificate is in force, the self-insurer will pay the same amounts that an insurer would have been obligated to pay under a motor vehicle liability

policy if it had issued such a policy to such self-insurer. Wyoming: 31-9-402. Types of proof— (i) A certificate of insurance as provided in W.S. 31-9-403 or 31-9-404; (ii) A bond as provided in W.S. 31-9-408; or (iii) A certificate of deposit of money or securities as provided in W.S. 31-9-409.

****** Due to the different tort laws in each state, some of the states may require consumers to purchase PIP coverage, while others may require medical payments coverage. In general, the states with no-fault laws require PIP, and the states with tort laws require medical payments coverage. Florida: Suspended Oct. 1, 2007, through Jan. 1, 2008. Now reinstated. Maryland: Can waive for self and family members over 16 years of age. Massachusetts: Insured can choose to have a deductible of up to $8000 for oneself and family members; this would, in effect, eliminate the $8,000 PIP coverage. Minnesota: PIP requirement includes $20,000 for medical and $20,000 for non-medical. Uninsured motorist (UM) coverage is also required, with 25/50 limits. In addition to UM coverage, Minnesota also requires underinsured motorist (UIM) coverage, also with 25/50 limits. New Jersey: PIP option of $250,000 is the standard coverage, with lower limits available. Under the basic policy, only $15,000 of PIP limit is available (with $250,000 PIP coverage for catastrophic injury). Effective Oct. 1, 2003, a Special Auto Insurance Policy (SAIP) became available for individuals enrolled in the federal Medicaid program, providing only emergency PIP coverage of $250,000. North Carolina: Rejection of UM coverage no longer allowed per 2009 Session Law; Senate Bill 749. Oregon: There is a $15,000 minimum for PIP.


Pennsylvania: Pennsylvania has a mandatory first-party medical benefit law. It is similar to PIP, but is titled Medical Benefits. Texas: Minimum limits apply to mandatory financial responsibility, which can be satisfied through means other than insurance. Wisconsin: UM is compulsory effective as of 6/1/2010.

******

Nearly all of the states have mandatory seat belt laws. Some are primary in nature, which allow a law enforcement official to stop a vehicle and issue a ticket based solely on lack of proper seat belt usage. Others are secondary; in which case a vehicle must be pulled over for some other cause, but the officer may then ticket an individual for seat belt violations. Please refer to Table 44 for laws in each specific state. Alabama: $25 fine since 1992. Code section 32-5B-5. Alaska: Seatbelt enforcement became primary in May 2006. Arkansas: Seatbelt enforcement became primary in March 2009. California: Seatbelt fine for 1st offense ($50 for subsequent offenses); applicable for passengers aged 16/over. Colorado: As of August 1, 2010, children younger than 1 year and less than 20 pounds must be in a rear-facing infant seat; children 1 through 3 years and 20-40 pounds must be in a child safety seat; children 4 through 7 years must be in a booster seat. Primary for children under 6; Secondary for all others. Florida: Children under 6 must be protected by an approved child restraint device. Children 6-18 must be restrained by a safety belt. Seatbelt enforcement became primary 6/30/09.

Illinois: Public Act 97-0016 (House Bill 219) effective 1/1/12 requires rear seat passengers to wear seat belts as well as front seat passengers. Kansas: Seatbelt enforcement became primary effective 7/1/2010. Louisiana: Effective 8/1/2016 — $50 first offense, $75 fine for subsequent offenses. An additional $20.00 penalty is assessed if offense occurs in Orleans Parish. ACT 446; 2016 Regular Session.

Michigan: The law requires passengers 8-15 to wear seatbelts in all seating positions; drivers and front seat passengers to wear seatbelts. Michigan's child passenger safety law requires children younger than age 4 to ride in a car seat in the rear seat if the vehicle has a rear seat. If all available rear seats are occupied by children under 4, then a child under 4 may ride in a car seat in the front seat. A child in a rear-facing car seat may only ride in the front seat if the airbag is turned off. Children to be properly buckled in a car seat or booster seat until they are 8 years old or 4-feet-9-inches tall. Children must ride in a seat until they reach the age requirement or the height requirement, whichever comes first.

Mississippi: Seatbelt enforcement is primary for front seat passenger and/or child under the age of 7. Montana: Seatbelt enforcement is primary for children under 6; Secondary for all others New Jersey: Seatbelt enforcement is primary for front seat & passengers under 18; secondary for backseat. New York: $50 fine; front seat only; $100 for children under age 16 Ohio: See R.C, 4513.263 for more information. North Dakota: Seatbelt enforcement is primary for minors and secondary for adults. South Dakota: Seatbelt enforcement is primary for children 17 and younger. Utah: Seatbelt enforcement is primary for ages 16–19 and secondary for those 19 and older.


******

The BAC threshold is the percentage level of a person’s blood alcohol content (BAC) at which a person is considered to be legally intoxicated with respect to motor vehicle use. The states have also enacted a variety of penalties in an attempt to reduce drunk driving. These may include anything from increasing the length of license suspension to impounding automobiles. If a state has administrative license suspension, then the law defines the BAC as being intoxicated. If, when stopped out on the road, a driver’s BAC exceeds the state-mandated threshold, the officer can suspend the driver’s license immediately. The driver is still entitled to a hearing, and the license suspension is subject to the ruling at the hearing. California: 0.01 or higher BAC for persons under age 21. California has had this zero-tolerance law for persons under 21 since January 1994. Colorado: Effective 7/1/2004, BAC threshold of .08. Connecticut: .02 or higher BAC for persons under age 21. CGS § 14-227g. First offence includes a 45 day suspension and ignition interlock device for one year. D.C.: Commercial drivers BAC .04 Florida: Drivers under 21 - BAC .02 or higher; Suspension 180 days to one year (first offense). Hawaii: Drivers under 21 - unlawful to drive with any measureable amount of alcohol. First offence is a 90 day suspension. Indiana: Drivers under 21 - BAC .02 or higher; Suspension 90 days to two years (first offense). Kansas: Drivers under 21 - BAC .02 or higher; Suspension period is 30 days. Following the suspension, offender is required to drive on a restricted license for 330 days. A judge will determine what type of restriction to put on the offender's license after considering the

circumstances surrounding the conviction. (first offense) Louisiana: An administrative license suspension applies as of 2009. The BAC threshold is 0.08 for all drivers, 0.02 for drivers under 21 and 0.04 for commercial vehicle drivers. Massachusetts: There are some exceptions to license suspension for first-time offenders. Montana: A probationary license may be available to those with license suspension. Nevada: Drivers under 21 - BAC .02 or higher; 90-day suspension (first offense). New Jersey: Administrative license suspension with BAC greater than 0.08% but less than 0.10% is three months. Administrative license suspension with BAC greater than 0.10% is seven months to one year. Drivers under 21 - 30-90 day license suspension if BAC >= 0.01 and < 0.08. New York: The BAC noted in table 45 does not take into account all of the different BAC levels and the various penalties, including fines, jail time, and license revocation/suspension. Also, for a BAC of .08 or higher, there is no suspension, but there is a minimum revocation period. Please see the chart for the various penalties on the NYS Department of Motor Vehicles’ website https://dmv.ny.gov/about-dmv/chapter-9-alcohol-and-other-drugs#yre-bac. Ohio: BAC .08 Effective 1/1/2004; Six month to three years suspension period (first offense); R.C. 4511.19. Drivers under 21: BAC .02 or higher; three months to two years suspension period (first offense); R.C. 4511.19(H)(1) and R.C. 4510.02(A)(6) South Carolina: Section 56-5-2951. (A) The Department of Motor Vehicles must suspend the driver’s license, permit, or nonresident operating privilege of or deny the issuance of a license or permit to a person who drives a motor vehicle and refuses to submit to a test provided for in Section 56-5-2950 or has an alcohol concentration of fifteen one-hundredths of one percent or more. The arresting officer must issue a notice of suspension


which is effective beginning on the date of the alleged violation of Section 56-5-2930, 56-5-2933, or 56-5-2945. See code section 56-1-286 regarding alcohol related charges for drivers under age 21.

Virginia: Drivers under 21 - BAC .02 or higher; 1 year suspension (first offense).

****** Alaska: By regulation, the maximum speed limit is 55 mph. This can be altered by the state or municipality when circumstances suggest a different reasonably safe speed. Some highways are marked at 65 mph.

California: Speed limit is 70 mph only if posted (if no limit is posted, then 65 mph on multi-lane highways and 55 mph otherwise).

Indiana: Effective 2006 speed limit is 70 with 65 for Trucks.

Kansas: 75 mph is the speed limit on rural segments of freeway and on the turnpike unless marked otherwise.

New Jersey: Maximum speed limits listed are those allowed by law on highways in the state. However, the posted limit is the maximum on any given highway.

Ohio: R.C. 4511.21. The speed limit is 70 mph on certain rural areas of the interstate. This law became effective in July 2014.

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

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

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

Texas: The speed limit is 75 mph on some roads and 80 mph on I-10 and I-20 through most of West Texas (Chapter 545, Texas Transportation Code). Effective Sept. 1, 2011, the reduced nighttime speed limit on all truck-specific speed limits were repealed.

****** The following information was obtained from the state insurance departments: rate filing laws; form filings laws; state liability law types; tort thresholds; compulsory liability insurance; liability limits; compulsory personal injury protection; compulsory uninsured motorist liability; automobile seat belt laws; administrative license suspensions of drunk drivers; blood alcohol concentration legal limits; and maximum speed limits.



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

Arizona Use and File Arkansas File and Use California Prior Approval Colorado File and Use

Connecticut Prior Approval Prior approval for BI and UM. File and Use for PD, Compr. and Collision. Flex Rating +/- 6% and not

more than a 15% increase in any individual territory; eff. July 1, 2007

Delaware File and Use District of Columbia File and Use

Florida Prior Approval Companies may Use & File at the risk of having to refund any excessive charge. Actual text of the

Law says "File and Use."

Georgia Prior Approval *Prior Approval for statutory coverages only; all other coverages will be file and use

Hawaii Prior Approval Idaho Use and File Illinois Use and File Indiana File and Use Iowa Use and File Kansas Flex Rating Flex Rating Effective 7/1/2008; and File and Use Prior to 7/1/2008

Kentucky Flex Rating Use and File unless the change is greater than +/-25%, which triggers Prior Approval per KRS 304.20-040

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

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

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

Michigan File and Use Group-rated program rules/rates are Prior Approval; Sect. 2129 exemption insurer rules/rates are

Prior Approval unless alternate File and Use requested.

Minnesota File and Use Bulletin 2005-2 expedited review for Auto filings effective 7/1 this bulletin added forms and rules if company completes the certification in the bulletin.

Mississippi Prior Approval Missouri Use and File Montana File and Use Rates must be filed prior to use with supporting data.

Nebraska File and Use Nevada Prior Approval New Hampshire File and Use Prior approval for non-competitive market

New Jersey Prior Approval New Mexico File and Use Effective 10/01/2007

New York Prior Approval Flex Rating +/- 5%

North Carolina Prior Approval

North Dakota Prior Approval A Use & File filing for which the average rate is less than +/- 5% is allowed once per calendar year;

all other rate filings are prior approval.

Ohio File and Use Oklahoma Use and File Under the jurisdiction of the Oklahoma Insurance Commissioner.

Oregon File and Use Pennsylvania Prior Approval Rhode Island Modified File and Use Flex Rating is allowed for rate revision within +/-5%.

South Carolina Flex Rating Filings within +/- 7% may qualify for file and use, Filings not qualifying for file and use are prior

approval

South Dakota File and Use Tennessee Prior Approval/Flex TCA § 56-5-302 (2011)

Texas File and Use Utah Use and File

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

information.

Virginia File and Use Washington Prior Approval West Virginia Prior Approval Wisconsin Use and File Wyoming No File Must be produced upon commissioner's request.

Source: State Insurance Departments

See Narrative for more information

Rate Filings Laws for Private Passenger Auto Insurance

Table 38A

State LawsRate Filing Laws, Current



STATE Current 2014 2013 2012Alabama Prior Approval Prior Approval Prior Approval Prior ApprovalAlaska File and Use/Flex File and Use/Flex File and Use/Flex File and Use/FlexArizona Use and File Use and File Use and File Use and FileArkansas File and Use File and Use File and Use File and UseCalifornia Prior Approval Prior Approval Prior Approval Prior ApprovalColorado File and Use File and Use File and Use File and UseConnecticut Prior Approval Prior Approval Prior Approval Prior ApprovalDelaware File and Use File and Use File and Use File and UseDistrict of Columbia File and Use File and Use File and Use File and UseFlorida Prior Approval Prior Approval Prior Approval Prior ApprovalGeorgia Prior Approval Prior Approval Prior Approval Prior ApprovalHawaii Prior Approval Prior Approval Prior Approval Prior ApprovalIdaho Use and File Use and File Use and File Use and FileIllinois Use and File Use and File Use and File Use and FileIndiana File and Use File and Use File and Use File and UseIowa Use and File Use and File Use and File Use and FileKansas Flex Rating Flex Rating Flex Rating Flex RatingKentucky Flex Rating Flex Rating Flex Rating Flex RatingLouisiana Prior Approval Prior Approval Prior Approval Prior ApprovalMaine File and Use File and Use File and Use File and UseMaryland File and Use File and Use File and Use File and UseMassachusetts File and Use File and Use File and Use File and UseMichigan File and Use File and Use File and Use File and UseMinnesota File and Use File and Use File and Use File and UseMississippi Prior Approval Prior Approval Prior Approval Prior ApprovalMissouri Use and File Use and File Use and File Use and FileMontana File and Use File and Use File and Use File and UseNebraska File and Use File and Use File and Use File and UseNevada Prior Approval Prior Approval Prior Approval Prior ApprovalNew Hampshire File and Use File and Use File and Use File and UseNew Jersey Prior Approval Prior Approval Prior Approval Prior ApprovalNew Mexico File and Use File and Use File and Use File and UseNew York Prior Approval Prior Approval Prior Approval Prior ApprovalNorth Carolina Prior Approval Prior Approval Prior Approval Prior ApprovalNorth Dakota Prior Approval Prior Approval Prior Approval Prior ApprovalOhio File and Use File and Use File and Use File and UseOklahoma Use and File Use and File Use and File Use and FileOregon File and Use File and Use File and Use File and UsePennsylvania Prior Approval Prior Approval Prior Approval Prior ApprovalRhode Island Modified File and Use Modified File and Use Modified File and Use Modified File and UseSouth Carolina Flex Rating Flex Rating Flex Rating Flex RatingSouth Dakota File and Use File and Use File and Use File and UseTennessee Prior Approval/Flex Prior Approval/Flex Prior Approval/Flex Prior Approval/FlexTexas File and Use File and Use File and Use File and UseUtah Use and File Use and File Use and File Use and FileVermont Use and File Use and File Use and File Use and FileVirginia File and Use File and Use File and Use File and UseWashington Prior Approval Prior Approval Prior Approval Prior ApprovalWest Virginia Prior Approval Prior Approval Prior Approval Prior ApprovalWisconsin Use and File Use and File Use and File Use and FileWyoming No File No File No File No FileSee Narrative for more informationSource: State Insurance Departments

Rate Filings Laws for Private Passenger Auto Insurance

Table 38B

State LawsRate Filing Laws, 2012-2014 and Current



STATE Current Law Notes

Alabama Prior Approval

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

Arizona File and Use 30-day waiting period

Arkansas Prior Approval

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

Colorado No File Must be certified by insurers, not filed.

Connecticut File and Use

Delaware File and Use

District of Columbia Prior Approval

Florida Prior Approval

Georgia Prior Approval

Hawaii Prior Approval

Idaho File and Use

Illinois File and Use

Indiana File and Use

Iowa Prior Approval

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

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

Kentucky Prior Approval per KRS 304.20-040

Louisiana Prior Approval 45 day deemer

Maine Prior Approval Statute contains a deemer provision.

Maryland Prior Approval

Massachusetts Prior Approval Generally file and use;

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

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

Mississippi Prior Approval

Missouri Use and File Deemer. Forms cannot be used in the state until they have been approved; however by operation

of law, the forms are deemed approved upon filing and the Director has 60 days in which to petition the Administrative Hearing for disapproval.

Montana Prior Approval MCA § 33-1-501

Nebraska File and Use

Nevada Prior Approval

New Hampshire Prior Approval

New Jersey Prior Approval

New Mexico Prior Approval

New York Prior Approval

North Carolina Prior Approval

North Dakota Prior Approval

Ohio File and Use

Oklahoma Prior Approval/ File And Use Under the jurisdiction of the Oklahoma Insurance Commissioner; File and Use Self-certification

option is available and under the jurisdiction of the Oklahoma Insurance Commissioner

Oregon Prior Approval

Pennsylvania Prior Approval

Rhode Island Prior Approval

South Carolina Prior Approval

South Dakota Prior Approval Tennessee Prior Approval

Texas Prior Approval Effective 4/1/2007, policy forms are regulated under Chapter 2301 (Art. 5.145 & Sect. 8, Art. 5.13-

2, TX INS CODE). Insurers must file policy forms subject to prior approval.

Utah File and Use

Vermont Prior Approval

Virginia Prior Approval The Bureau of Insurance is authorized to establish standard forms which insurers must use.

Approval of coverage broadenings for individual insurers is also permitted.

Washington Prior Approval

West Virginia Prior Approval

Wisconsin File and Use effective 7/1/2008

Wyoming Prior Approval

See Narrative for more informationSource: State Insurance Departments

Form Filings Laws for Private Passenger Auto Insurance

Table 39A

State LawsForm Filing Laws, Current



STATE Current 2014 2013 2012Alabama Prior Approval Prior Approval Prior Approval Prior ApprovalAlaska Prior Approval/File and Use Prior Approval/File and Use Prior Approval/File and Use Prior Approval/File and UseArizona File and Use File and Use File and Use File and UseArkansas Prior Approval Prior Approval Prior Approval Prior ApprovalCalifornia Prior Approval Prior Approval Prior Approval Prior ApprovalColorado No File No File No File No FileConnecticut File and Use File and Use File and Use File and UseDelaware File and Use File and Use File and Use File and UseDistrict of Columbia Prior Approval Prior Approval Prior Approval Prior ApprovalFlorida Prior Approval Prior Approval Prior Approval Prior ApprovalGeorgia Prior Approval Prior Approval Prior Approval Prior ApprovalHawaii Prior Approval Prior Approval Prior Approval Prior ApprovalIdaho File and Use File and Use File and Use File and UseIllinois File and Use File and Use File and Use File and UseIndiana File and Use File and Use File and Use File and UseIowa Prior Approval Prior Approval Prior Approval Prior ApprovalKansas File and Use File and Use File and Use File and UseKentucky Prior Approval Prior Approval Prior Approval Prior ApprovalLouisiana Prior Approval Prior Approval Prior Approval Prior ApprovalMaine Prior Approval Prior Approval Prior Approval Prior ApprovalMaryland Prior Approval Prior Approval Prior Approval Prior ApprovalMassachusetts Prior Approval Prior Approval Prior Approval Prior ApprovalMichigan Prior Approval Prior Approval Prior Approval Prior ApprovalMinnesota Prior Approval Prior Approval Prior Approval Prior ApprovalMississippi Prior Approval Prior Approval Prior Approval Prior ApprovalMissouri Use and File Use and File Use and File Use and FileMontana Prior Approval Prior Approval Prior Approval Prior ApprovalNebraska File and Use File and Use File and Use File and UseNevada Prior Approval Prior Approval Prior Approval Prior ApprovalNew Hampshire Prior Approval Prior Approval Prior Approval Prior ApprovalNew Jersey Prior Approval Prior Approval Prior Approval Prior ApprovalNew Mexico Prior Approval Prior Approval Prior Approval Prior ApprovalNew York Prior Approval Prior Approval Prior Approval Prior ApprovalNorth Carolina Prior Approval Prior Approval Prior Approval Prior ApprovalNorth Dakota Prior Approval Prior Approval Prior Approval Prior ApprovalOhio File and Use File and Use File and Use File and UseOklahoma Prior Approval; File And Use Prior Approval; File And Use Prior Approval; File And Use Prior Approval; File And UseOregon Prior Approval Prior Approval Prior Approval Prior ApprovalPennsylvania Prior Approval Prior Approval Prior Approval Prior ApprovalRhode Island Prior Approval Prior Approval Prior Approval Prior ApprovalSouth Carolina Prior Approval Prior Approval Prior Approval Prior ApprovalSouth Dakota Prior Approval Prior Approval Prior Approval Prior ApprovalTennessee Prior Approval Prior Approval Prior Approval Prior ApprovalTexas Prior Approval Prior Approval Prior Approval Prior ApprovalUtah File and Use File and Use File and Use File and UseVermont Prior Approval Prior Approval Prior Approval Prior ApprovalVirginia Prior Approval Prior Approval Prior Approval Prior ApprovalWashington Prior Approval Prior Approval Prior Approval Prior ApprovalWest Virginia Prior Approval Prior Approval Prior Approval Prior ApprovalWisconsin File and Use File and Use File and Use File and UseWyoming Prior Approval Prior Approval Prior Approval Prior ApprovalSee Narrative for more informationSource: State Insurance Departments

Form Filings Laws for Private Passenger Auto Insurance

Table 39B

State LawsForm Filing Laws, 2012-2014 and Current



STATE 2014 2013 2012 2014 2013 2012Alabama Tort Tort Tort None None NoneAlaska Tort Tort Tort None None NoneArizona Tort Tort Tort None None NoneArkansas Add-on Add-on Add-on 5,000 5,000 5,000California Tort Tort Tort None None NoneColorado Tort Tort Tort None None NoneConnecticut Tort Tort Tort None None NoneDelaware No-fault No-fault No-fault None None NoneDistrict of Columbia No-fault No-fault No-fault Choice or Verbal Choice or Verbal Choice or VerbalFlorida No-fault No-fault No-fault Verbal Verbal VerbalGeorgia Tort Tort Tort None None NoneHawaii No-fault No-fault No-fault 5,000 5,000 5,000Idaho Tort Tort Tort None None NoneIllinois Tort Tort Tort None None NoneIndiana Tort Tort Tort None None NoneIowa Tort Tort Tort None None NoneKansas No-fault No-fault No-fault 2,000 2,000 2,000Kentucky No-fault No-fault No-fault $1,000 or Verbal $1,000 or Verbal $1.000 or VerbalLouisiana Tort Tort Tort None None NoneMaine Tort Tort Tort None None NoneMaryland Add-on Add-on Add-on None None NoneMassachusetts No-fault No-fault No-fault 2,000 2,000 2,000Michigan No-fault No-fault No-fault Verbal Verbal VerbalMinnesota No-fault No-fault No-fault $4,000 or Verbal $4,000 or Verbal $4,000 or VerbalMississippi Tort Tort Tort None None NoneMissouri Tort Tort Tort None None NoneMontana Tort Tort Tort None None NoneNebraska Tort Tort Tort None None NoneNevada Tort Tort Tort None None NoneNew Hampshire Tort Tort Tort None None NoneNew Jersey No-fault No-fault No-fault Choice or Verbal Choice or Verbal Choice or VerbalNew Mexico Tort Tort Tort None None NoneNew York No-fault No-fault No-fault Verbal Verbal VerbalNorth Carolina Tort Tort Tort None None NoneNorth Dakota No-fault No-fault No-fault $2,500 or Verbal $2,500 or Verbal $2,500 or VerbalOhio Tort Tort Tort None None NoneOklahoma Tort Tort Tort None None NoneOregon Tort Tort Tort None None NonePennsylvania No-fault No-fault No-fault Choice Choice ChoiceRhode Island Tort Tort Tort None None NoneSouth Carolina Tort Tort Tort None None NoneSouth Dakota Add-on Add-on Add-on None None NoneTennessee Tort Tort Tort None None NoneTexas Tort Tort Tort None None NoneUtah No-fault No-fault No-fault 3,000 3,000 3,000Vermont Tort Tort Tort None None NoneVirginia Tort Tort Tort None None NoneWashington Add-on Add-on Add-on None None NoneWest Virginia Tort Tort Tort None None NoneWisconsin Add-on Add-on Add-on None None NoneWyoming Tort Tort Tort None None None* See NarrativeSource: State Insurance Departments

Table 40

State Laws

State Law Type Tort ThresholdTort Laws and Thresholds, 2012-2014



STATE 2014 2013 2012 2014 2013 2012Alabama Yes Yes Yes 25/50/25 25/50/25 25/50/25Alaska Yes Yes Yes 50/100/25 50/100/25 50/100/25Arizona Yes Yes Yes 15/30/10 15/30/10 15/30/10Arkansas Yes Yes Yes 25/50/25 25/50/25 25/50/25California Yes Yes Yes 15/30/5 15/30/5 15/30/5Colorado Yes Yes Yes 25/50/15 25/50/15 25/50/15Connecticut Yes Yes Yes 20/40/10 20/40/10 20/40/10Delaware Yes Yes Yes 15/30/10 15/30/10 15/30/10District of Columbia Yes Yes Yes 25/50/10 25/50/10 25/50/10Florida Yes Yes Yes 10/20/10 10/20/10 10/20/10Georgia Yes Yes Yes 25/50/25 25/50/25 25/50/25Hawaii Yes Yes Yes 20/40/10 20/40/10 20/40/10Idaho No No No 25/50/15 25/50/15 25/50/15Illinois Yes Yes Yes 20/40/15 20/40/15 20/40/15Indiana No No No 25/50/10 25/50/10 25/50/10Iowa No No No 20/40/15 20/40/15 20/40/15Kansas Yes Yes Yes 25/50/10 25/50/10 25/50/10Kentucky Yes Yes Yes 25/50/10 25/50/10 25/50/10Louisiana Yes Yes Yes 15/30/25 15/30/25 15/30/25Maine Yes Yes Yes 50/100/25 50/100/25 50/100/25Maryland Yes Yes Yes 30/60/15 30/60/15 30/60/15Massachusetts Yes Yes Yes 20/40/5 20/40/5 20/40/5Michigan Yes Yes Yes 20/40/10 20/40/10 20/40/10Minnesota Yes Yes Yes 30/60/10 30/60/10 30/60/10Mississippi No No No 25/50/25 25/50/25 25/50/25Missouri Yes Yes Yes 25/50/10 25/50/10 25/50/10Montana Yes Yes Yes 25/50/10 25/50/10 25/50/10Nebraska Yes Yes Yes 25/50/25 25/50/25 25/50/25Nevada Yes Yes Yes 15/30/10 15/30/10 15/30/10New Hampshire No No No 25/50/25 25/50/25 25/50/25New Jersey Yes Yes Yes 15/30/5 15/30/5 15/30/5New Mexico Yes Yes Yes 25/50/10 25/50/10 25/50/10New York Yes Yes Yes 25/50/10 25/50/10 25/50/10North Carolina Yes Yes Yes 30/60/25 30/60/25 30/60/25North Dakota Yes Yes Yes 25/50/25 25/50/25 25/50/25Ohio No No No 25/50/25 12.5/25/7.5 12.5/25/7.5Oklahoma Yes Yes Yes 25/50/25 25/50/25 25/50/25Oregon Yes Yes Yes 25/50/20 25/50/20 25/50/20Pennsylvania Yes Yes Yes 15/30/5 15/30/5 15/30/5Rhode Island Yes Yes Yes 25/50/25 25/50/25 25/50/25South Carolina Yes Yes Yes 25/50/25 25/50/25 25/50/25South Dakota Yes Yes Yes 25/50/25 25/50/25 25/50/25Tennessee No No No 25/50/15 25/50/15 25/50/15Texas No No No 30/60/25 30/60/25 30/60/25Utah Yes Yes Yes 25/65/15 25/65/15 25/65/15Vermont Yes Yes Yes 25/50/10 25/50/10 25/50/10Virginia No No No 25/50/20 25/50/20 25/50/20Washington Yes Yes Yes 25/50/10 25/50/10 25/50/10West Virginia Yes Yes Yes 20/40/10 20/40/10 20/40/10Wisconsin Yes Yes Yes 25/50/10 25/50/10 25/50/10Wyoming Yes Yes Yes 25/50/20 25/50/20 25/50/20See Narrative for more informationSource: State Insurance Departments

Table 41

State Laws

Compulsory Liability Insurance Liability LimitsLiability Insurance Laws, 2012-2014



STATE 2014 2013 2012 2014 2013 2012Alabama No No No Yes* Yes* Yes*Alaska No No No Yes* Yes* Yes*Arizona No No No No No NoArkansas Yes* Yes* Yes* Yes* Yes* Yes*California No No No Yes* Yes* Yes*Colorado No No No Yes* Yes* Yes*Connecticut No No No Yes Yes YesDelaware Yes Yes Yes No No NoDistrict of Columbia No No No Yes Yes YesFlorida Yes Yes Yes Yes* Yes* Yes*Georgia No No No Yes* Yes* Yes*Hawaii Yes Yes Yes Yes* Yes* Yes*Idaho No No No Yes Yes YesIllinois No No No Yes Yes YesIndiana No No No No No NoIowa No No No Yes* Yes* Yes*Kansas Yes Yes Yes Yes Yes YesKentucky Yes Yes Yes Yes* Yes* Yes*Louisiana No No No Yes* Yes* Yes*Maine No No No Yes Yes YesMaryland Yes* Yes* Yes* Yes Yes YesMassachusetts Yes Yes Yes Yes Yes YesMichigan Yes Yes Yes No No NoMinnesota Yes Yes Yes Yes Yes YesMississippi No No No No No NoMissouri No No No Yes Yes YesMontana No No No Yes* Yes* Yes*Nebraska No No No Yes Yes YesNevada No No No Yes* Yes* Yes*New Hampshire No No No No No NoNew Jersey Yes Yes Yes Yes Yes YesNew Mexico No No No Yes* Yes* Yes*New York Yes Yes Yes Yes Yes YesNorth Carolina No No No Yes Yes YesNorth Dakota Yes Yes Yes Yes Yes YesOhio No No No No No NoOklahoma No No No No No NoOregon Yes Yes Yes Yes Yes YesPennsylvania No No No No No NoRhode Island No No No Yes Yes YesSouth Carolina No No No Yes Yes YesSouth Dakota No No No Yes Yes YesTennessee No No No Yes* Yes* Yes*Texas Yes* Yes* Yes* Yes* Yes* Yes*Utah Yes Yes Yes Yes* Yes* Yes*Vermont No No No Yes Yes YesVirginia No No No Yes Yes YesWashington Yes* Yes* Yes* Yes* Yes* Yes*West Virginia No No No Yes Yes YesWisconsin No No No Yes Yes YesWyoming No No No Yes* Yes* Yes** Must be provided unless rejected in writing by the insured. Source: State Insurance DepartmentsSee Narrative for more information

Table 42

State Laws

Compulsory Personal Injury Protection Compulsory Uninsured Motorist LiabilityPersonal Injury Protection and Uninsured Motorist Laws, 2012-2014



STATE Mandatory Law Enforcement Maximum Fine

Alabama 07/01/1992 Primary $25 fine; front seat only

Alaska 09/12/1990 Primary $15 fine; all seats; over age 16; all children under 16, $50 fine

Arizona 01/01/1991 Secondary $10 fine; front seat only

Arkansas 07/15/1991 Primary $25 fine; all seats

California 01/01/1995 Primary $20 fine; all seats

Colorado08/01/2010 (SB10-

110) Primary and Secondary

Children younger than 1 year and less than 20 pounds must be in a rear-facing infant seat; children 1 through 3 years and 20-40 pounds must be in a child safety seat; children 4 through 7

years must be in a booster seat. For children under 16 years, primary enforcement laws apply and the fine for not buckling up or properly restraining a child is $82.

Connecticut 01/01/1986 Primary $50 fine 18 or older/ $75 fine if under 18; front seat only; under age 16 all seats; 16 and 17 yr old

drivers require all to wear a seat belt

Delaware 01/01/1992 Primary $25 fine; all seats

District of Columbia 12/12/1985 Primary $50 fine; all seats

Florida 07/01/1986 Primary $30 fine; front seat only**

Georgia 09/01/1989 Primary $15 fine; front seat only

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

special fund)

Idaho 07/01/1986 Secondary $10 fine; all seats

Illinois 07/01/1985 Primary $25 fine; front and rear seat passenger required

Indiana 07/01/1987 Primary $25 fine; all occupantsIowa 07/01/1986 Primary $50.00 for front seat violations and $100.00 for under age 18 rear seat/child restraint violations

Kansas 07/01/2010 Primary $10 fine; all occupants

Kentucky 07/15/1994 Primary $25 fine; all seats; $50 for failure to use proper child restraints

Louisiana 07/01/1986 Primary $25 first offense, $50 fine subsequent offenses; all passengers for vehicles manufactured after

1980

Maine 12/27/1995 Primary $50 for the first offense, $125 for the 2nd offense and $250 for the 3rd and subsequent offenses

Maryland 07/01/1986 Primary $50 fine

Massachusetts 02/01/1994 Secondary $25 fine; all seats. Additional fine of $25/person ages 12-16 who are not wearing seatbelts.

Michigan 04/01/2000 Primary Damage mitigation up to 5% max; $25 fine;all seats

Minnesota 10/01/1986 Primary $25 fine per driver and each passenger, regardless of age

Mississippi 05/27/2006 Primary $25 fine; front seat and passenger

Missouri 09/28/1985 Secondary Damage mitigation up to 1% max; $10 fine; front seat only

Montana 10/01/1987Primary and Secondary $20 fine; all seats

Nebraska 01/01/1993 Secondary $25 fine plus points; front seat only

Nevada 07/01/1987 Secondary $25 fine/community service; all seats; up to $1000 fine/community service or license suspension;

children under 6 (effective 10/1/07)

New Hampshire - Primary Under 18 years old; $50 fine 1st offense; $100 2nd & subsequent; effective 7/1/2007

New Jersey 01/18/2010Primary andSecondary $46 fine

New Mexico 01/01/1986 Primary $25 fine; front seat only

New York 12/01/1984 Primary $50 fine; front seat only; $100 for children under age 16

North Carolina 10/01/1985 Primary $25 fine per person front seat; $10 per person back seat; $25 for child restraint violation

North Dakota 08/01/2005Primary and Secondary $20 fine; front seat only

Ohio 05/06/1986 Secondary $30 fine driver; $25 fine passenger

Oklahoma 02/01/1987 Primary $20 fine; front seat only

Oregon 12/07/1990 Primary Damage mitigation up to 5% max; $90 fine; all seats ; $110 fine for failure to use child restraints

Pennsylvania 11/23/1987 Secondary $10 fine; front seat only

Rhode Island 06/18/1991 Primary $85 fine; all seats

South Carolina 07/01/1989 Primary $25.00 fine

South Dakota 01/01/1995Primary and Secondary $20 fine; front seat only

Tennessee 04/21/1986 Secondary $50 fine; front seat only

Texas 09/01/2009 Primary Up to $250 fine; all seats; 7 years and younger who are 57 " or taller; 8+ years in all seats*

(Effective September 1, 2009--SB61 (81st Tx. Leg., Reg. Sess.)

Utah 04/28/1986Primary and Secondary $45 fine

Vermont 01/01/1994 Secondary $25/$50/$100 fine(eff 1-1-04), 1st/2nd/3rd offense, all seats

Virginia 01/01/1988 Secondary $25 fine; front seat only

Washington 06/11/1986 Primary $124 fine; all seats

West Virginia 09/01/1993 Secondary Damage mit. Up to 5% max; $25 front seat; under 18 rear seat

Wisconsin 12/01/1987 Primary $10 to $75, all seats ; under the age of 4 is not less than $30 or more than $75; ages of 4-8 is not

less than $10 or more than $25.

Wyoming 06/08/1989 Secondary $25; all seatsSee narrative for more information Source: State Insurance Departments

**Children must be in the back seat of cars; ages vary by state.

2014

Table 43

State LawsAutomobile Seat Belt Laws



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

Table 44

State LawsDrunk Driving Laws and Speed Limits, 2014

Drunk Driving Laws


Appendix


Appendix Land area and population data were obtained from the U.S. Bureau of the Census. Theft data were obtained from the FBI, Uniform Crime Reports (2012–2014).

Vehicle miles, roadway miles and registered vehicle miles were obtained from the Federal Highway Administration, Highway Statistics (2012–2014).



Land Area Metro Population

STATE Square Miles 2014 2013 2012 2010Alabama 50,744 4,843,214 4,829,479 4,815,960 3,415,430Alaska 571,951 736,705 736,879 731,089 478,402Arizona 113,635 6,719,993 6,624,617 6,549,634 5,914,541Arkansas 52,068 2,966,912 2,958,663 2,950,685 1,757,367California 155,959 38,680,810 38,335,203 38,011,074 36,408,727Colorado 103,718 5,349,648 5,267,603 5,189,867 4,341,903Connecticut 4,845 3,591,873 3,596,003 3,593,795 3,265,742Delaware 1,954 934,948 925,395 916,993 700,789District of Columbia 61 659,005 649,165 635,327 601,723Florida 53,927 19,888,741 19,582,022 19,344,156 17,689,964Georgia 57,906 10,087,231 9,984,938 9,914,668 7,847,658Hawaii 6,423 1,416,349 1,406,481 1,391,820 953,207Idaho 82,747 1,633,532 1,612,011 1,595,911 1,028,136Illinois 55,584 12,867,544 12,879,505 12,870,798 11,159,069Indiana 35,867 6,595,233 6,569,102 6,537,743 5,078,745Iowa 55,869 3,108,030 3,091,930 3,076,310 1,721,714Kansas 81,815 2,899,360 2,892,821 2,885,262 1,949,129Kentucky 39,728 4,413,057 4,400,477 4,384,799 2,523,770Louisiana 43,562 4,647,880 4,626,402 4,603,429 3,380,738Maine 30,862 1,330,719 1,329,076 1,328,895 775,723Maryland 9,774 5,967,295 5,931,129 5,889,651 5,463,187Massachusetts 7,840 6,749,911 6,706,786 6,658,008 6,520,922Michigan 56,804 9,915,767 9,898,982 9,887,238 8,033,066Minnesota 79,610 5,453,109 5,418,521 5,380,285 3,971,551Mississippi 46,907 2,992,400 2,990,482 2,984,945 1,331,025Missouri 68,886 6,060,930 6,042,711 6,025,415 4,463,547Montana 145,552 1,022,867 1,014,314 1,005,196 348,676Nebraska 76,872 1,881,145 1,868,559 1,855,725 1,071,368Nevada 109,826 2,833,013 2,786,464 2,752,565 2,431,960New Hampshire 8,968 1,328,743 1,322,687 1,321,182 819,087New Jersey 7,417 8,925,001 8,899,162 8,873,211 8,791,894New Mexico 121,356 2,083,024 2,085,193 2,083,784 1,370,524New York 47,214 19,718,515 19,673,546 19,602,769 17,814,883North Carolina 48,711 9,934,399 9,841,590 9,746,175 6,704,358North Dakota 68,976 739,904 724,019 702,087 325,418Ohio 40,948 11,594,408 11,570,022 11,550,839 9,299,425Oklahoma 68,667 3,877,499 3,852,415 3,817,054 2,407,338Oregon 95,997 3,968,371 3,925,751 3,899,116 2,978,551Pennsylvania 44,817 12,790,565 12,781,338 12,771,854 10,685,735Rhode Island 1,045 1,054,480 1,053,033 1,052,901 1,052,567South Carolina 30,110 4,828,430 4,767,894 4,720,760 3,536,094South Dakota 75,885 852,561 844,922 834,441 369,042Tennessee 41,217 6,544,663 6,494,821 6,454,306 4,659,762Texas 261,797 26,944,751 26,473,525 26,071,655 22,085,169Utah 82,144 2,941,836 2,902,663 2,855,782 2,448,962Vermont 9,250 626,984 627,140 626,444 211,261Virginia 39,594 8,317,372 8,262,692 8,192,048 6,887,509Washington 66,544 7,054,196 6,968,006 6,895,226 5,900,385West Virginia 24,078 1,848,514 1,853,231 1,856,560 1,032,750Wisconsin 54,310 5,758,377 5,742,854 5,726,177 4,142,082Wyoming 97,100 583,642 582,684 576,765 167,188Countrywide 3,537,441 318,563,456 316,204,908 313,998,379 258,317,763Source: U.S. Bureau of the Census

Appendix 1A

Population, Traffic and Vehicle Data, 2012-2014Land Area and Population

Population



STATE 2014 2013 2012 2014 2013 2012Alabama 5,251,076 4,669,135 4,712,167 10,141 10,571 9,874Alaska 768,343 753,618 743,305 1,739 1,695 1,522Arizona 5,407,097 5,192,690 5,014,259 17,587 17,438 19,158Arkansas 2,685,739 2,343,763 2,403,830 5,601 5,678 5,724California 27,872,875 27,275,077 26,914,629 151,852 165,292 168,608Colorado 4,632,430 4,498,861 4,378,015 12,574 12,533 12,092Connecticut 2,777,128 2,764,484 2,623,127 6,110 6,222 6,449Delaware 927,276 917,386 912,912 1,267 1,332 1,436District of Columbia 329,881 328,603 318,206 3,783 3,234 3,661Florida 14,946,691 14,586,283 15,046,834 42,579 34,912 37,330Georgia 7,955,532 7,580,213 7,445,788 26,854 26,826 28,536Hawaii 1,350,438 1,294,128 1,196,215 3,879 3,684 3,605Idaho 1,696,496 1,627,513 1,580,264 1,661 1,536 1,364Illinois 10,042,205 9,841,120 9,767,228 17,451 20,933 25,690Indiana 5,789,940 5,355,396 5,781,263 13,861 14,204 13,661Iowa 3,409,279 3,357,469 3,330,987 4,151 4,246 4,023Kansas 2,445,861 2,528,676 2,367,652 6,906 6,641 6,778Kentucky 4,037,625 3,921,927 3,570,060 6,318 6,032 6,668Louisiana 3,772,692 3,843,396 3,821,119 9,891 9,160 7,881Maine 1,143,038 1,136,020 1,126,824 799 914 995Maryland 3,926,807 3,733,966 3,861,428 13,102 13,418 15,025Massachusetts 4,869,170 4,860,326 4,825,738 8,260 9,122 9,232Michigan 7,867,924 7,925,076 7,531,943 21,157 24,567 25,115Minnesota 4,985,782 4,982,231 4,857,239 8,367 7,966 8,458Mississippi 2,039,332 2,045,102 2,023,876 4,519 4,388 4,322Missouri 5,179,102 5,635,933 5,508,795 16,357 16,325 16,308Montana 1,401,936 1,368,846 1,329,735 2,043 1,850 1,689Nebraska 1,895,110 1,835,029 1,835,625 4,455 4,463 4,147Nevada 2,168,617 2,132,421 2,060,690 10,185 9,998 10,018New Hampshire 1,234,098 1,335,324 1,222,564 857 940 1,023New Jersey 6,724,137 6,909,232 7,579,004 11,705 13,747 16,481New Mexico 1,866,108 1,817,145 1,739,124 6,290 5,905 5,463New York 10,557,410 10,329,017 10,103,331 15,736 15,482 17,348North Carolina 7,682,387 7,618,361 7,593,350 13,630 14,606 16,120North Dakota 833,484 809,353 776,344 1,514 1,416 1,151Ohio 10,048,588 9,958,101 9,776,560 18,015 19,532 19,512Oklahoma 3,388,401 3,333,129 3,312,256 10,583 11,214 11,564Oregon 3,329,712 3,514,028 3,441,114 9,549 9,862 10,203Pennsylvania 10,108,442 10,060,200 10,052,131 13,040 13,770 15,028Rhode Island 832,892 820,900 821,281 1,833 2,233 2,628South Carolina 3,902,945 3,873,259 3,784,593 12,902 12,580 13,201South Dakota 943,245 928,463 930,219 1,007 938 1,065Tennessee 5,330,937 5,288,113 5,225,095 12,599 11,828 12,980Texas 20,431,631 19,727,279 19,789,723 68,546 65,745 64,996Utah 2,076,482 1,995,542 1,918,522 7,298 7,465 5,999Vermont 582,331 583,012 576,250 244 334 435Virginia 6,964,867 6,861,327 6,917,302 7,665 8,536 9,076Washington 6,175,660 6,165,767 5,632,644 30,647 28,399 26,402West Virginia 1,495,914 1,395,374 1,400,881 1,896 1,916 2,209Wisconsin 5,059,004 5,015,381 4,934,320 9,919 7,388 8,216Wyoming 789,124 799,142 768,086 603 578 584Countrywide 251,933,221 247,472,137 245,184,447 689,527 699,594 721,053

Sources: Federal Highway Administration and Federal Bureau of Investigation.

Appendix 1B

Population,Traffic and Vehicle Data, 2012-2014

Registered Vehicles Motor Vehicle TheftsVehicles and Vehicle Thefts



STATE 2014 2013 2012 2014 2013 2012Alabama 65,667 65,046 64,959 102,018 101,837 101,811Alaska 4,857 4,848 4,792 15,728 15,680 16,301Arizona 62,631 60,586 60,129 65,593 66,441 65,262Arkansas 34,024 33,493 33,522 102,595 101,656 100,123California 332,857 329,534 326,272 225,531 174,989 175,499Colorado 48,985 46,968 46,769 88,740 88,565 88,524Connecticut 31,190 30,941 31,269 21,508 21,474 21,431Delaware 9,596 9,308 9,186 6,407 6,393 6,377District of Columbia 3,528 3,527 3,572 1,503 1,501 1,502Florida 201,040 192,702 191,374 122,391 122,088 121,829Georgia 111,535 109,355 107,488 127,492 128,620 125,523Hawaii 10,174 10,099 10,050 4,439 4,430 4,416Idaho 16,154 15,980 16,315 48,902 48,082 48,492Illinois 104,906 105,297 104,578 145,761 145,708 144,337Indiana 79,204 78,311 78,923 96,698 97,553 97,288Iowa 31,414 31,641 31,596 114,173 114,429 114,438Kansas 30,710 30,208 30,572 140,476 140,687 140,614Kentucky 47,941 46,996 47,344 79,727 79,598 79,321Louisiana 48,252 47,758 46,889 61,419 61,427 61,326Maine 14,301 14,129 14,199 22,916 22,882 22,871Maryland 56,432 56,688 56,476 31,984 32,422 32,372Massachusetts 57,552 56,311 55,940 36,384 36,370 36,330Michigan 97,384 95,132 94,548 122,284 122,141 122,051Minnesota 57,395 56,974 56,988 138,767 138,767 138,832Mississippi 39,499 38,758 38,667 75,792 75,116 75,181Missouri 70,909 69,458 68,504 131,564 131,900 131,978Montana 12,157 12,033 11,885 74,983 74,933 74,905Nebraska 19,613 19,322 19,277 93,868 93,770 93,797Nevada 25,302 24,649 24,148 42,815 40,139 38,567New Hampshire 12,970 12,903 12,894 16,132 16,098 16,105New Jersey 74,856 74,530 74,225 39,041 39,293 39,272New Mexico 25,347 25,086 25,562 68,452 70,772 68,384New York 129,263 129,737 128,221 114,807 114,728 114,709North Carolina 108,012 105,213 104,950 106,305 106,202 106,063North Dakota 10,511 10,100 10,081 87,088 87,078 86,851Ohio 112,766 112,767 112,715 122,885 123,297 123,281Oklahoma 47,699 47,999 47,872 112,673 112,940 112,821Oregon 34,610 33,706 33,173 73,479 71,228 59,262Pennsylvania 99,882 98,628 98,884 120,039 119,936 119,846Rhode Island 7,677 7,775 7,807 6,027 6,106 6,480South Carolina 49,931 48,986 49,036 76,301 66,232 66,244South Dakota 9,225 9,122 9,113 82,576 82,558 82,536Tennessee 72,336 71,067 71,167 95,561 95,536 95,523Texas 243,076 244,525 237,836 313,596 313,228 313,210Utah 27,554 27,005 26,528 46,153 46,254 45,891Vermont 7,059 7,116 7,216 14,238 14,266 14,291Virginia 80,985 80,767 80,959 74,901 74,748 74,591Washington 58,060 57,211 56,762 81,417 82,448 83,878West Virginia 19,117 19,232 19,226 38,760 38,750 38,684Wisconsin 60,053 59,486 59,087 115,212 115,145 115,095Wyoming 9,457 9,309 9,271 28,972 29,024 28,416Countrywide 3,025,656 2,988,323 2,968,815 4,177,073 4,115,462 4,092,730

Source: Federal Highway Administration

Appendix 1C

Population,Traffic and Vehicle Data, 2012-2014

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


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