Insurance Handbook

Direct premiums written represent premium amounts before reinsurance transactions. This contrasts with charts based on net premiums written, i.e., premium amounts after reinsurance transactions.

Direct Premiums Written, P/C Insurance By State, 2023 (1)

State	Total, all lines	State	Total, all lines
Alabama	$13,146,853	Montana	$3,807,820
Alaska	1,994,750	Nebraska	7,573,101
Arizona	17,959,495	Nevada	8,561,822
Arkansas	7,931,849	New Hampshire	3,342,091
California	111,243,502	New Jersey	29,106,640
Colorado	20,582,327	New Mexico	5,038,116
Connecticut	11,508,412	New York	61,861,773
D.C.	2,699,081	North Carolina	24,036,512
Delaware	3,842,583	North Dakota	3,826,625
Florida	88,067,510	Ohio	23,397,453
Georgia	32,039,933	Oklahoma	11,325,023
Hawaii	3,490,752	Oregon	10,510,197
Idaho	4,757,044	Pennsylvania	32,532,786
Illinois	35,938,656	Rhode Island	3,361,749
Indiana	16,321,562	South Carolina	15,078,257
Iowa	9,843,752	South Dakota	3,970,217
Kansas	9,565,831	Tennessee	17,442,243
Kentucky	10,147,626	Texas	92,331,270
Louisiana	16,226,096	Utah	8,100,467
Maine	3,316,037	Vermont	1,640,326
Maryland	16,186,978	Virginia	20,316,519
Massachusetts	21,453,245	Washington	18,109,893
Michigan	24,427,664	West Virginia	3,643,445
Minnesota	17,081,121	Wisconsin	14,623,479
Mississippi	7,505,441	Wyoming	1,820,520
Missouri	17,261,874	United States	$949,898,320

(1) Before reinsurance transactions, includes state funds, excludes territories.
(2) Data for the total United States may differ from similar data shown elsewhere due to the use of different exhibits from S&P Global Market Intelligence.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Domestic Insurance Companies By State, Property/Casualty And Life/Annuities, 2022

State	Property/casualty	Life/annuities	State	Property/casualty	Life/annuities
Alabama	19	8	Montana	14	2
Alaska	4	0	Nebraska	51	32
Arizona	53	30	Nevada	11	0
Arkansas	13	17	New Hampshire	47	0
California	90	16	New Jersey	64	3
Colorado	10	15	New Mexico	20	0
Connecticut	64	26	New York	165	78
Delaware	102	26	North Carolina	55	11
D.C	5	0	North Dakota	14	3
Florida	110	10	Ohio	148	40
Georgia	22	14	Oklahoma	36	23
Hawaii	15	4	Oregon	16	2
Idaho	10	1	Pennsylvania	140	20
Illinois	197	49	Rhode Island	20	1
Indiana	58	24	South Carolina	20	6
Iowa	73	34	South Dakota	16	2
Kansas	21	11	Tennessee	29	16
Kentucky	9	8	Texas	212	124
Louisiana	33	27	Utah	12	16
Maine	11	3	Vermont	11	1
Maryland	19	4	Virginia	19	2
Massachusetts	47	16	Washington	5	5
Michigan	64	20	West Virginia	22	1
Minnesota	39	8	Wisconsin	153	18
Mississippi	17	12	Wyoming	2	0
Missouri	49	28	United States (1)	2,456	817

(1) Excludes territories. Excludes health insurers, risk retention groups, fraternals, title and other insurers.

Source: 2022 Insurance Department Resources Report, published by the National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.

Direct Premiums Written, P/C Insurance By State, 2023 (1)

State	Total, all lines	State	Total, all lines
Alabama	$13,146,853	Montana	$3,807,820
Alaska	1,994,750	Nebraska	7,573,101
Arizona	17,959,495	Nevada	8,561,822
Arkansas	7,931,849	New Hampshire	3,342,091
California	111,243,502	New Jersey	29,106,640
Colorado	20,582,327	New Mexico	5,038,116
Connecticut	11,508,412	New York	61,861,773
D.C.	2,699,081	North Carolina	24,036,512
Delaware	3,842,583	North Dakota	3,826,625
Florida	88,067,510	Ohio	23,397,453
Georgia	32,039,933	Oklahoma	11,325,023
Hawaii	3,490,752	Oregon	10,510,197
Idaho	4,757,044	Pennsylvania	32,532,786
Illinois	35,938,656	Rhode Island	3,361,749
Indiana	16,321,562	South Carolina	15,078,257
Iowa	9,843,752	South Dakota	3,970,217
Kansas	9,565,831	Tennessee	17,442,243
Kentucky	10,147,626	Texas	92,331,270
Louisiana	16,226,096	Utah	8,100,467
Maine	3,316,037	Vermont	1,640,326
Maryland	16,186,978	Virginia	20,316,519
Massachusetts	21,453,245	Washington	18,109,893
Michigan	24,427,664	West Virginia	3,643,445
Minnesota	17,081,121	Wisconsin	14,623,479
Mississippi	7,505,441	Wyoming	1,820,520
Missouri	17,261,874	United States	$949,898,320

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Direct Premiums Written, P/C Insurance By State, 2023 (1)

State	Total, all lines	State	Total, all lines
Alabama	$13,146,853	Montana	$3,807,820
Alaska	1,994,750	Nebraska	7,573,101
Arizona	17,959,495	Nevada	8,561,822
Arkansas	7,931,849	New Hampshire	3,342,091
California	111,243,502	New Jersey	29,106,640
Colorado	20,582,327	New Mexico	5,038,116
Connecticut	11,508,412	New York	61,861,773
D.C.	2,699,081	North Carolina	24,036,512
Delaware	3,842,583	North Dakota	3,826,625
Florida	88,067,510	Ohio	23,397,453
Georgia	32,039,933	Oklahoma	11,325,023
Hawaii	3,490,752	Oregon	10,510,197
Idaho	4,757,044	Pennsylvania	32,532,786
Illinois	35,938,656	Rhode Island	3,361,749
Indiana	16,321,562	South Carolina	15,078,257
Iowa	9,843,752	South Dakota	3,970,217
Kansas	9,565,831	Tennessee	17,442,243
Kentucky	10,147,626	Texas	92,331,270
Louisiana	16,226,096	Utah	8,100,467
Maine	3,316,037	Vermont	1,640,326
Maryland	16,186,978	Virginia	20,316,519
Massachusetts	21,453,245	Washington	18,109,893
Michigan	24,427,664	West Virginia	3,643,445
Minnesota	17,081,121	Wisconsin	14,623,479
Mississippi	7,505,441	Wyoming	1,820,520
Missouri	17,261,874	United States	$949,898,320

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Premiums

Premiums By Line

Premiums can be accounted for in two major ways: net premiums written, which reflect premium amounts after deductions for reinsurance; and direct premiums written, which are calculated before reinsurance transactions.

Personal vs. Commercial

The property/casualty (P/C) insurance industry is divided into two main segments: personal lines and commercial lines. Personal lines include coverage for individuals, mainly auto and homeowners. Commercial lines include many kinds of insurance products designed for businesses.

Net Premiums Written, Personal And Commercial Lines, 2023

npw_per_and_comm_lines_2023.gif

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Net Premiums Written By Line, Property/Casualty Insurance, 2021-2023 (1)

Percent change from prior year
Lines of insurance	2021	2022	2023	2021	2022	2023	Percent of total, 2023
Private passenger auto	$252,882,414	$268,047,120	$306,587,150	3.8%	6.0%	14.4%	35.8%
Liability	148,417,736	155,139,607	173,191,797	3.0	4.5	11.6	20.2
Collision and comprehensive	104,464,678	112,907,513	133,395,353	4.9	8.1	18.1	15.6
Commercial auto	46,589,757	51,657,384	55,793,394	16.8	10.9	8.0	6.5
Liability	35,469,922	39,382,484	42,508,430	18.2	11.0	7.9	5.0
Collision and comprehensive	11,119,835	12,274,900	13,284,964	12.4	10.4	8.2	1.5
Homeowners multiple peril	103,388,421	113,869,764	127,994,213	7.3	10.1	12.4	14.9
Farmowners multiple peril	5,343,486	5,636,129	6,292,490	20.4	5.5	11.6	0.7
Commercial multiple peril	43,743,410	48,416,980	54,608,522	6.9	10.7	12.8	6.4
Workers compensation	43,137,129	47,547,324	48,025,509	1.2	10.2	1.0	5.6
Excess workers compensation	929,024	965,606	952,417	4.7	3.9	-1.4	0.1
Medical professional liability	10,001,987	10,576,645	11,027,707	10.5	5.7	4.3	1.3
Product liability	3,559,032	4,286,152	4,448,950	9.9	20.4	3.8	0.5
Other liability (2)	84,584,864	94,187,764	95,613,953	21.9	11.4	1.5	11.2
Fire	15,559,866	16,467,037	20,955,634	18.0	5.8	27.3	2.4
Allied lines	14,766,856	15,653,506	19,424,679	12.3	6.0	24.1	2.3
Inland marine	17,618,563	21,241,995	22,675,236	18.4	20.6	6.7	2.6
Ocean marine	3,900,882	4,129,969	4,653,760	13.4	5.9	12.7	0.5
Surety	7,110,412	8,237,722	9,318,436	6.5	15.9	13.1	1.1
Fidelity	1,364,872	1,373,409	1,368,115	2.0	0.6	-0.4	0.2
Burglary and theft	427,537	553,100	531,747	21.8	29.4	-3.9	0.1
Boiler and machinery	3,369,342	3,641,220	4,276,518	19.2	8.1	17.4	0.5
Financial guaranty	372,541	332,216	291,859	-16.9	-10.8	-12.1	(7)
Aircraft	1,695,569	1,896,339	2,036,220	12.8	11.8	7.4	0.2
Earthquake	2,894,251	3,059,133	3,705,470	23.2	5.7	21.1	0.4
Federal flood (6)	16,738	-541	-535	19.4	-103.2	-1.1	(7)
Private flood	524,211	774,279	803,069	73.3	47.7	3.7	0.1
Credit	1,826,121	2,157,639	2,344,169	1.9	18.2	8.6	0.3
Warranty	1,426,670	1,238,289	1,188,054	15.2	-13.2	-4.1	0.1
Accident and health (4)	9,636,314	9,516,256	9,356,250	1.5	-1.2	-1.7	1.1
Multiple peril crop	7,453,144	10,261,858	10,329,976	21.6	37.7	0.7	1.2
Private crop	711,267	1,015,832	928,202	14.0	42.8	-8.6	0.1
Mortgage guaranty	4,684,479	4,274,086	4,227,993	-1.7	-8.8	-1.1	0.5
International	5,387,728	305,604	548,368	1550.9	-94.3	79.4	0.1
Reinsurance (3)	20,634,051	24,032,117	25,519,486	9.1	16.5	6.2	3.0
Other lines (5)	396,608	1,341,331	1,526,541	353.6	-74.9	26.0	0.2
Total, all lines (8)	$715,937,546	$776,693,264	$857,353,552	9.2%	8.5%	10.4%	100.0%

(1) After reinsurance transactions, excludes state funds.
(2) Coverages protecting against legal liability resulting from negligence, carelessness or failure to act.
(3) Only includes nonproportional reinsurance, an arrangement in which a reinsurer makes payments to an insurer whose losses exceed a predetermined amount.
(4) Premiums from certain insurers that write health insurance but file financial statements with state regulators on a property/casualty basis.
(5) Includes miscellaneous coverages.
(6) Provided by FEMA through participating private insurers.
(7) Less than 0.1 percent.
(8) May not match total premiums shown elsewhere in this book because of the use of different exhibits from SNL Financial LC.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2023 (1)

Private passenger auto		Commercial auto
State	Liability	Coll./Comp.	Liability	Coll./Comp.	Homeowners multiple peril	Farmowners multi peril	Commercial multi peril
Alabama	$2,406,160	$2,192,586	$681,835	$241,657	$2,601,843	$99,440	$929,329
Alaska	324,335	272,407	80,343	27,693	220,233	899	118,917
Arizona	4,421,746	3,214,771	912,184	298,423	2,819,499	22,533	938,793
Arkansas	1,337,320	1,330,651	413,817	172,811	1,395,226	103,131	508,266
California	19,079,638	17,414,501	6,038,441	1,384,322	13,728,927	229,736	7,032,588
Colorado	3,659,914	3,252,655	816,734	297,096	4,581,698	124,939	1,318,359
Connecticut	2,181,432	1,419,877	511,804	133,714	2,051,080	9,009	874,562
Delaware	742,518	394,362	167,987	38,951	420,847	9,802	360,810
D.C.	228,804	204,061	51,703	11,565	221,360	0	226,418
Florida	21,148,245	9,289,156	5,077,570	739,336	17,283,009	28,009	3,926,341
Georgia	8,646,569	4,398,085	1,939,266	463,224	5,095,636	172,853	1,661,648
Hawaii	459,195	425,929	106,297	33,069	499,622	0	267,098
Idaho	802,994	707,395	230,075	113,312	696,978	88,579	351,739
Illinois	5,130,942	4,766,775	1,944,149	692,899	5,517,921	251,116	2,440,110
Indiana	2,596,176	2,407,951	853,974	374,686	2,804,177	238,598	1,194,084
Iowa	1,035,521	1,344,156	387,001	266,152	1,267,046	302,693	651,166
Kansas	1,207,393	1,264,403	337,665	190,140	1,665,697	314,268	572,221
Kentucky	2,247,561	1,499,847	494,520	178,119	1,669,247	202,800	739,118
Louisiana	3,242,796	2,237,185	959,137	175,210	2,888,354	17,008	816,553
Maine	478,747	507,400	145,607	76,257	603,665	7,411	351,995
Maryland	3,749,775	2,732,073	757,638	233,282	2,795,170	37,762	887,818
Massachusetts	3,420,126	3,045,333	916,355	346,344	3,478,968	5,401	1,854,828
Michigan	5,340,744	4,780,797	996,040	488,832	3,796,292	169,934	1,550,443
Minnesota	2,369,753	2,559,350	588,746	334,927	3,385,649	195,484	1,079,654
Mississippi	1,292,495	1,200,486	430,578	149,111	1,486,059	45,123	510,268
Missouri	2,845,687	2,639,116	744,290	336,742	3,027,529	241,252	1,175,200
Montana	477,832	561,957	167,180	101,810	601,171	111,461	292,362
Nebraska	834,537	880,375	257,184	175,186	1,225,408	363,155	463,276
Nevada	2,493,304	1,060,333	556,280	90,009	928,923	9,162	518,418
New Hampshire	521,674	577,949	146,432	62,355	583,913	3,830	350,476
New Jersey	6,260,513	3,322,772	2,086,883	352,840	3,704,874	4,436	2,061,707
New Mexico	1,082,577	823,238	287,743	83,525	833,118	32,897	331,102
New York	10,773,482	6,384,039	3,284,658	537,354	7,595,348	58,792	5,380,070
North Carolina	4,059,964	4,427,188	1,177,152	432,760	4,271,535	77,358	1,480,381
North Dakota	248,507	366,573	117,137	97,866	311,198	163,736	205,986
Ohio	4,209,036	4,117,370	1,232,384	502,066	4,101,101	217,598	1,788,555
Oklahoma	1,808,805	1,761,994	530,239	224,312	2,399,783	223,117	795,450
Oregon	2,407,477	1,479,046	495,327	161,689	1,404,023	101,599	742,441
Pennsylvania	5,300,619	5,549,252	1,541,771	631,263	4,669,184	131,429	2,453,166
Rhode Island	707,755	419,736	131,020	41,395	611,663	558	255,128
South Carolina	3,788,510	2,188,104	682,995	198,262	2,766,131	23,916	858,520
South Dakota	308,408	486,996	113,366	101,184	438,958	184,038	233,916
Tennessee	3,023,175	2,922,142	796,220	367,777	3,117,084	197,207	1,174,982
Texas	17,476,787	14,499,749	5,785,010	1,462,020	16,100,322	512,646	4,915,550
Utah	1,938,902	1,175,440	434,751	146,392	1,032,286	22,775	461,228
Vermont	191,985	261,951	64,166	36,873	271,461	18,544	182,553
Virginia	4,299,130	3,444,767	859,609	312,893	3,567,528	100,519	1,191,989
Washington	3,901,003	2,596,961	872,802	282,483	2,814,177	102,395	1,272,844
West Virginia	716,407	757,911	162,002	67,914	563,018	20,747	271,511
Wisconsin	1,977,453	2,155,521	613,999	396,211	2,091,920	244,218	1,027,496
Wyoming	210,907	333,706	83,307	56,360	341,964	40,323	151,221
United States	$179,415,337	$138,056,376	$49,063,373	$14,720,676	$152,347,825	$5,884,236	$61,198,658

(1) Includes some state funds.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2023 (1) (Cont’d)

State	Workers compensation	Excess workers compensation	Medical professional liability	Product liability	Other liability	Fire	Allied lines
Alabama	$438,656	$20,962	$175,346	$53,021	$1,178,279	$438,507	$438,801
Alaska	187,271	3,693	26,267	7,724	222,415	86,830	43,573
Arizona	893,314	15,565	256,572	87,376	1,851,390	329,663	287,491
Arkansas	274,357	9,284	89,390	28,177	753,706	280,922	230,490
California	11,885,413	237,993	1,032,709	696,010	15,157,511	3,317,362	1,811,213
Colorado	1,049,338	19,382	186,129	101,146	2,345,998	423,694	454,860
Connecticut	746,591	21,812	246,657	70,789	1,658,038	243,495	227,214
Delaware	181,549	1,877	47,381	20,006	811,486	62,092	47,619
D.C.	162,797	6,591	27,972	9,486	730,612	86,454	60,277
Florida	3,429,233	72,840	943,001	360,260	7,798,594	2,854,032	6,838,841
Georgia	1,835,843	44,518	437,715	152,759	3,179,248	736,554	601,362
Hawaii	347,442	10,145	40,665	12,970	466,115	199,101	214,941
Idaho	526,362	2,297	45,131	24,632	414,544	100,835	78,509
Illinois	2,526,954	58,675	583,058	246,746	5,705,586	923,400	620,400
Indiana	855,843	15,461	176,753	130,403	1,540,758	511,716	336,636
Iowa	696,186	7,270	83,859	59,561	986,221	294,103	253,421
Kansas	436,080	9,635	101,472	46,566	741,827	207,451	279,636
Kentucky	579,556	12,390	144,047	40,439	781,891	250,696	197,919
Louisiana	885,543	53,045	117,169	62,727	1,474,605	676,549	804,453
Maine	290,366	3,770	59,590	15,357	286,370	86,793	68,393
Maryland	933,183	12,345	328,513	55,881	1,675,669	299,394	250,176
Massachusetts	1,399,938	27,885	383,139	147,407	3,336,071	597,952	498,628
Michigan	1,083,434	27,619	254,222	137,479	2,153,764	532,674	332,891
Minnesota	1,033,809	1,602	105,847	127,805	1,851,553	450,788	536,024
Mississippi	354,101	12,240	65,923	26,283	518,251	258,733	276,953
Missouri	1,083,313	36,947	225,554	80,618	1,785,540	441,266	416,558
Montana	309,893	5,332	42,127	17,321	328,613	74,556	69,647
Nebraska	401,126	5,290	65,556	32,711	557,799	185,691	164,062
Nevada	482,930	21,778	106,628	45,506	989,518	202,723	145,290
New Hampshire	232,728	7,174	54,289	17,564	335,289	65,106	52,516
New Jersey	2,644,095	42,343	548,061	237,883	4,038,270	661,189	549,148
New Mexico	303,499	6,172	83,876	18,303	413,367	91,568	82,136
New York	3,500,795	60,760	1,761,759	315,870	13,299,026	1,611,912	1,304,530
North Carolina	1,521,494	28,728	205,544	145,524	2,359,755	561,377	612,309
North Dakota	6,271	8	10,984	19,689	276,774	73,464	65,741
Ohio	21,990	78,435	273,445	160,706	2,700,586	684,819	480,225
Oklahoma	648,410	13,023	119,652	47,568	915,095	321,719	363,030
Oregon	804,368	9,902	120,177	74,116	1,040,587	248,934	152,437
Pennsylvania	2,555,792	39,274	840,749	165,170	4,444,598	779,234	589,647
Rhode Island	234,296	2,452	36,311	13,732	398,338	74,338	81,146
South Carolina	879,416	11,843	97,300	78,226	1,073,048	602,812	403,066
South Dakota	194,709	2,036	20,060	19,311	215,463	86,918	74,130
Tennessee	837,514	18,323	272,692	98,338	1,817,082	528,977	423,620
Texas	2,688,752	28,222	551,510	472,536	10,288,004	3,752,100	3,364,045
Utah	519,543	4,762	87,835	68,127	957,998	171,138	109,482
Vermont	185,838	2,165	20,117	8,967	175,918	39,789	26,687
Virginia	1,000,235	25,219	242,526	73,348	2,364,895	416,288	354,164
Washington	28,403	34,803	241,202	108,105	2,245,969	483,499	309,152
West Virginia	260,478	6,060	75,435	11,030	288,758	91,782	61,667
Wisconsin	1,964,514	10,617	96,082	124,233	1,593,357	400,527	303,086
Wyoming	6,558	-203	24,142	7,458	198,726	42,886	41,246
United States	$56,350,118	$1,210,364	$12,182,140	$5,182,970	$112,722,879	$26,944,401	$26,389,488

(1) Includes some state funds.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2023 (1) (Cont’d)

State	Inland marine	Ocean marine	Surety	Fidelity	Burglary and theft	Boiler and machinery	Financial guaranty
Alabama	$2,406,160	$2,192,586	$681,835	$241,657	$2,601,843	$99,440	$929,329
Alaska	324,335	272,407	80,343	27,693	220,233	899	118,917
Arizona	4,421,746	3,214,771	912,184	298,423	2,819,499	22,533	938,793
Arkansas	1,337,320	1,330,651	413,817	172,811	1,395,226	103,131	508,266
California	19,079,638	17,414,501	6,038,441	1,384,322	13,728,927	229,736	7,032,588
Colorado	3,659,914	3,252,655	816,734	297,096	4,581,698	124,939	1,318,359
Connecticut	2,181,432	1,419,877	511,804	133,714	2,051,080	9,009	874,562
Delaware	742,518	394,362	167,987	38,951	420,847	9,802	360,810
D.C.	228,804	204,061	51,703	11,565	221,360	0	226,418
Florida	21,148,245	9,289,156	5,077,570	739,336	17,283,009	28,009	3,926,341
Georgia	8,646,569	4,398,085	1,939,266	463,224	5,095,636	172,853	1,661,648
Hawaii	459,195	425,929	106,297	33,069	499,622	0	267,098
Idaho	802,994	707,395	230,075	113,312	696,978	88,579	351,739
Illinois	5,130,942	4,766,775	1,944,149	692,899	5,517,921	251,116	2,440,110
Indiana	2,596,176	2,407,951	853,974	374,686	2,804,177	238,598	1,194,084
Iowa	1,035,521	1,344,156	387,001	266,152	1,267,046	302,693	651,166
Kansas	1,207,393	1,264,403	337,665	190,140	1,665,697	314,268	572,221
Kentucky	2,247,561	1,499,847	494,520	178,119	1,669,247	202,800	739,118
Louisiana	3,242,796	2,237,185	959,137	175,210	2,888,354	17,008	816,553
Maine	478,747	507,400	145,607	76,257	603,665	7,411	351,995
Maryland	3,749,775	2,732,073	757,638	233,282	2,795,170	37,762	887,818
Massachusetts	3,420,126	3,045,333	916,355	346,344	3,478,968	5,401	1,854,828
Michigan	5,340,744	4,780,797	996,040	488,832	3,796,292	169,934	1,550,443
Minnesota	2,369,753	2,559,350	588,746	334,927	3,385,649	195,484	1,079,654
Mississippi	1,292,495	1,200,486	430,578	149,111	1,486,059	45,123	510,268
Missouri	2,845,687	2,639,116	744,290	336,742	3,027,529	241,252	1,175,200
Montana	477,832	561,957	167,180	101,810	601,171	111,461	292,362
Nebraska	834,537	880,375	257,184	175,186	1,225,408	363,155	463,276
Nevada	2,493,304	1,060,333	556,280	90,009	928,923	9,162	518,418
New Hampshire	521,674	577,949	146,432	62,355	583,913	3,830	350,476
New Jersey	6,260,513	3,322,772	2,086,883	352,840	3,704,874	4,436	2,061,707
New Mexico	1,082,577	823,238	287,743	83,525	833,118	32,897	331,102
New York	10,773,482	6,384,039	3,284,658	537,354	7,595,348	58,792	5,380,070
North Carolina	4,059,964	4,427,188	1,177,152	432,760	4,271,535	77,358	1,480,381
North Dakota	248,507	366,573	117,137	97,866	311,198	163,736	205,986
Ohio	4,209,036	4,117,370	1,232,384	502,066	4,101,101	217,598	1,788,555
Oklahoma	1,808,805	1,761,994	530,239	224,312	2,399,783	223,117	795,450
Oregon	2,407,477	1,479,046	495,327	161,689	1,404,023	101,599	742,441
Pennsylvania	5,300,619	5,549,252	1,541,771	631,263	4,669,184	131,429	2,453,166
Rhode Island	707,755	419,736	131,020	41,395	611,663	558	255,128
South Carolina	3,788,510	2,188,104	682,995	198,262	2,766,131	23,916	858,520
South Dakota	308,408	486,996	113,366	101,184	438,958	184,038	233,916
Tennessee	3,023,175	2,922,142	796,220	367,777	3,117,084	197,207	1,174,982
Texas	17,476,787	14,499,749	5,785,010	1,462,020	16,100,322	512,646	4,915,550
Utah	1,938,902	1,175,440	434,751	146,392	1,032,286	22,775	461,228
Vermont	191,985	261,951	64,166	36,873	271,461	18,544	182,553
Virginia	4,299,130	3,444,767	859,609	312,893	3,567,528	100,519	1,191,989
Washington	3,901,003	2,596,961	872,802	282,483	2,814,177	102,395	1,272,844
West Virginia	716,407	757,911	162,002	67,914	563,018	20,747	271,511
Wisconsin	1,977,453	2,155,521	613,999	396,211	2,091,920	244,218	1,027,496
Wyoming	210,907	333,706	83,307	56,360	341,964	40,323	151,221
United States	$179,415,337	$138,056,376	$49,063,373	$14,720,676	$152,347,825	$5,884,236	$61,198,658

(1) Includes some state funds.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2023 (1) (Cont'd)

State	Aircraft	Earthquake	Federal flood	Credit	Warranty	Accident and health
Alabama	$29,569	$13,743	$29,061	$47,356	$13,912	$117,898
Alaska	70,334	56,092	705	5,198	2,542	12,923
Arizona	88,068	26,439	13,825	26,676	29,244	125,320
Arkansas	39,145	58,443	8,298	21,713	11,028	56,933
California	286,026	2,501,084	133,746	201,493	183,438	794,280
Colorado	101,426	20,768	11,708	53,525	41,802	122,941
Connecticut	40,808	12,487	36,821	38,206	14,428	82,892
Delaware	22,221	2,278	14,825	22,927	21,761	112,455
D.C.	8,163	5,877	1,042	37,102	23	90,093
Florida	239,123	65,188	1,141,073	212,289	839,565	381,670
Georgia	103,623	31,175	42,981	77,144	7,743	228,803
Hawaii	13,676	31,302	35,098	9,546	2,517	13,258
Idaho	24,118	10,584	3,919	11,033	6,057	19,273
Illinois	101,896	127,419	20,794	92,930	249,681	427,629
Indiana	42,468	59,398	11,939	45,153	55,225	426,963
Iowa	23,395	9,197	9,071	21,942	4,886	82,207
Kansas	36,007	10,524	5,262	27,338	214,365	79,574
Kentucky	14,992	59,182	12,540	43,518	7,262	88,904
Louisiana	50,202	9,833	274,487	36,813	7,050	92,889
Maine	8,265	3,115	6,764	8,051	6,593	19,265
Maryland	35,730	19,515	23,787	26,024	16,227	84,267
Massachusetts	32,481	55,060	54,526	60,758	56,591	127,868
Michigan	53,302	14,714	12,606	63,504	595,583	192,329
Minnesota	53,335	8,569	5,192	26,853	22,712	87,525
Mississippi	21,046	30,270	40,094	25,133	5,400	67,720
Missouri	32,609	146,238	15,610	45,953	94,268	179,463
Montana	24,941	10,752	2,769	1,806	970	23,334
Nebraska	26,313	3,550	5,100	7,632	4,205	94,056
Nevada	56,047	71,299	5,994	8,669	3,175	39,371
New Hampshire	14,124	5,186	6,592	13,581	5,171	27,970
New Jersey	30,200	39,517	163,945	98,336	41,268	205,661
New Mexico	14,376	5,722	6,863	12,894	3,765	35,982
New York	94,704	131,319	152,791	280,821	82,570	548,417
North Carolina	68,236	25,633	82,267	63,432	46,145	179,507
North Dakota	15,185	971	4,223	2,530	694	12,535
Ohio	115,440	47,450	18,811	71,364	153,098	274,753
Oklahoma	32,802	19,433	6,422	28,785	10,920	67,562
Oregon	44,433	189,290	15,238	14,726	7,315	79,786
Pennsylvania	63,583	37,478	46,420	75,700	57,602	359,125
Rhode Island	12,507	4,546	10,330	6,667	3,732	17,727
South Carolina	25,409	69,430	107,032	31,652	11,939	93,271
South Dakota	12,780	1,136	2,163	12,835	2,253	16,064
Tennessee	63,644	134,143	20,302	58,010	22,097	171,081
Texas	319,915	77,228	413,632	493,271	155,370	616,635
Utah	48,806	138,366	4,022	18,719	79,690	55,560
Vermont	3,686	1,917	4,129	3,463	804	19,938
Virginia	87,320	32,330	49,792	70,207	30,022	134,003
Washington	58,041	420,752	22,136	35,714	148,106	91,288
West Virginia	5,332	3,009	10,890	7,455	4,792	35,195
Wisconsin	36,611	13,447	7,638	30,289	43,201	156,060
Wyoming	11,409	7,676	1,281	5,313	1,367	21,601
United States	$2,857,871	$4,880,071	$3,136,556	$2,742,050	$3,430,173	$7,491,827

(1) Includes some state funds.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Direct Premiums Written, Property/Casualty Insurance, By State By Line, 2023 (1) (Cont'd)

State	Multiple peril crop	Private crop	Mortgage guaranty	Miscellaneous	Private flood
Alabama	$110,131	$1,014	$32,836	$65,559	$15,777
Alaska	94	0	1,858	17,819	2,753
Arizona	147,887	2,974	20,776	156,191	19,241
Arkansas	257,204	41,819	14,374	36,895	6,778
California	783,616	25,584	117,425	517,905	136,120
Colorado	327,549	24,177	49,246	143,726	20,136
Connecticut	8,894	9	9,073	72,792	19,129
Delaware	14,738	112	2,025	21,768	4,771
D.C.	0	0	56,828	18,869	4,967
Florida	232,517	550	174,168	446,412	258,530
Georgia	283,462	4,434	59,387	206,364	27,009
Hawaii	2,603	0	2,531	19,005	14,805
Idaho	164,419	16,651	3,703	38,393	4,295
Illinois	1,057,083	167,058	53,151	247,549	38,704
Indiana	577,653	46,875	22,210	119,118	19,445
Iowa	1,351,517	154,467	9,757	52,000	6,570
Kansas	1,259,313	72,195	12,230	45,963	5,766
Kentucky	234,720	8,014	6,916	49,349	11,361
Louisiana	188,088	8,450	27,737	60,866	34,071
Maine	14,981	0	2,476	19,027	3,006
Maryland	45,426	165	24,970	157,220	14,736
Massachusetts	6,029	4	49,299	116,367	34,919
Michigan	289,908	8,431	61,359	191,635	18,742
Minnesota	1,049,398	155,676	47,757	149,836	9,733
Mississippi	189,095	7,578	31,924	26,513	11,223
Missouri	591,229	44,623	69,904	96,580	14,104
Montana	343,236	498	2,880	15,485	3,501
Nebraska	984,726	409,457	10,503	34,143	4,723
Nevada	155,110	1,370	7,063	78,405	8,219
New Hampshire	604	4	4,880	28,870	3,795
New Jersey	7,914	0	54,252	164,233	76,600
New Mexico	181,573	2,468	7,681	30,334	4,079
New York	103,965	213	161,087	199,802	110,714
North Carolina	371,513	3,885	31,044	182,177	30,790
North Dakota	1,505,435	116,693	1,091	16,123	1,777
Ohio	413,294	21,492	53,394	181,350	26,342
Oklahoma	367,040	7,068	14,086	50,965	9,360
Oregon	181,662	3,117	8,302	85,623	12,873
Pennsylvania	79,380	1,381	39,688	194,997	44,932
Rhode Island	202	0	45,655	17,464	5,796
South Carolina	139,007	350	12,405	91,332	32,551
South Dakota	1,195,972	75,288	2,259	13,773	1,290
Tennessee	132,996	3,243	18,084	104,893	18,217
Texas	1,980,925	58,736	136,805	534,508	148,309
Utah	50,003	287	13,260	76,752	7,329
Vermont	5,068	2	719	11,099	1,814
Virginia	107,087	1,391	43,568	164,351	21,828
Washington	336,282	15,079	48,328	173,268	20,830
West Virginia	4,345	15	3,253	17,215	6,004
Wisconsin	391,709	21,257	17,380	105,991	11,941
Wyoming	60,383	2,135	407	9,036	1,457
United States	$18,286,986	$1,536,290	$1,701,995	$5,675,912	$1,371,762

(1) Includes some state funds.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

Premium Taxes by State

All insurance companies pay a state tax based on their premiums. Other payments are made to states for licenses and fees, income and property taxes, sales and use taxes, unemployment compensation taxes and franchise taxes.