Auto liability, top writers by state--2003.
Auto Liability, Top Writers by State--2003
Rank is based on direct premiums written in 2003.
($ Thousands)
Direct % of
No. of Premiums U.S. Premium
State Rank Cos. Written Total % Change
Ala. 27 476 $1,407,437 1.3 6.4
Alaska 46 290 274,283 0.2 17.8
Ariz. 18 528 2,027,048 1.8 9.7
Ark. 31 466 958,790 0.9 9.4
Calit 1 526 12,555,137 11.2 9.6
Colo. 19 481 2,026,090 1.8 -0.6
Conn. 22 403 1,774,412 1.6 5.9
Del. 41 381 459,722 0.4 13.2
D.C. 51 342 161,029 0.1 9.3
Fla. 2 565 9,160,981 8.2 15.4
Ga. 11 581 2,980,224 2.7 10.8
Hawaii 43 238 443,884 0.4 5.8
Idaho 44 415 423,645 0.4 10.1
Ill. 7 607 3,955,155 3.5 8.5
Ind. 20 596 1,990,192 1.8 5.7
Iowa 32 507 891,849 0.8 7.8
Kan. 34 467 820,754 0.7 4.9
Ky. 24 483 1,605,703 1.4 9.9
La. 17 472 2,032,605 1.8 9.3
Maine 42 328 450,809 0.4 12.5
Md. 14 472 2,476,414 2.2 10.9
Mass. 10 300 3,323,711 3.0 7.0
Mich. 9 451 3,460,426 3.1 14.2
Minn. 16 474 2,039,404 1.8 6.2
Miss. 33 476 889,798 0.8 9.6
Mo. 21 531 1,867,180 1.7 6.1
Mont. 45 388 337,958 0.3 11.1
Neb. 38 459 589,560 0.5 9.8
Nev. 30 437 1,005,246 0.9 10.3
N.H. 40 317 474,493 0.4 12.3
N.J. 6 418 4,670,570 4.2 8.3
N.M. 37 410 657,394 0.6 11.4
N.Y 3 502 9,078,234 8.1 8.0
N.C. 12 446 2,746,347 2.4 7.6
N.D. 49 393 188,900 0.2 7.1
Ohio 8 610 3,805,993 3.4 6.0
Okla. 29 469 1,193,498 1.1 8.1
Ore. 28 483 1,403,266 1.3 10.8
Pa. 5 550 5,017,320 4.5 7.3
R.I. 39 353 522,278 0.5 8.9
S.C. 26 459 1,570,600 1.4 11.7
S.D. 47 414 236,374 0.2 6.8
Tenn. 23 562 1,767,035 1.6 4.5
Texas 4 590 7,895,077 7.0 7.6
Utah 35 437 788,624 0.7 10.7
Vt. 48 314 213,905 0.2 10.2
Va. 13 512 2,623,597 2.3 6.2
Wash. 15 484 2,438,061 2.2 8.7
W.Va. 36 384 764,664 0.7 10.6
Wis. 25 546 1,571,419 1.4 6.5
Wyo. 50 355 178,078 0.2 12.3
U.S. Total 1,469 $112,195,174 100.0 8.8
Market Share
Agency Direct
State ALR (1) DDCCE (2) Writer (3) Writer (4)
Ala. 64.6 4.5 37.0 63.0
Alaska 69.9 6.4 30.9 69.1
Ariz. 61.2 4.2 33.9 66.1
Ark. 64.3 3.2 35.0 65.0
Calif. 61.3 6.0 43.6 56.4
Colo. 72.4 4.4 30.9 69.1
Conn. 61.5 4.5 52.0 48.0
Del. 71.6 5.1 35.7 64.3
D.C. 64.9 3.3 37.8 62.2
Fla. 66.0 5.2 37.7 62.3
Ga. 72.6 3.8 43.9 56.1
Hawaii 54.5 2.9 51.7 48.3
Idaho 58.6 3.9 38.7 61.3
Ill. 65.7 5.4 36.6 63.4
Ind. 59.8 4.6 46.1 53.9
Iowa 57.0 3.4 47.9 52.1
Kan. 59.0 3.1 32.7 67.3
Ky. 65.8 3.8 39.5 60.5
La. 76.0 7.9 36.7 63.3
Maine 57.3 2.6 57.4 42.6
Md. 66.7 2.9 40.3 59.7
Mass. 65.3 3.8 79.7 20.3
Mich. 112.1 5.5 44.4 55.6
Minn. 55.1 5.3 39.2 60.8
Miss. 68.5 4.8 36.3 63.7
Mo. 64.7 3.7 34.5 65.5
Mont. 71.9 5.5 44.2 55.8
Neb. 68.1 3.3 40.8 59.2
Nev. 71.5 5.7 29.9 70.1
N.H. 62.5 3.4 47.4 52.6
N.J. 69.7 9.2 49.0 51.0
N.M. 61.7 3.4 33.6 66.4
N.Y 60.2 9.9 47.4 52.6
N.C. 68.8 2.5 39.6 60.4
N.D. 60.9 3.4 52.2 47.8
Ohio 53.4 3.7 54.1 45.9
Okla. 66.2 4.1 36.4 63.6
Ore. 62.4 4.3 36.5 63.5
Pa. 71.0 4.8 50.0 50.0
R.I. 71.3 3.5 47.0 53.0
S.C. 64.5 3.3 30.9 69.1
S.D. 60.9 4.3 50.8 49.2
Tenn. 64.0 4.1 37.1 62.9
Texas 62.8 4.3 35.6 64.4
Utah 34.7 3.6 32.8 67.2
Vt. 57.4 3.1 52.1 47.9
Va. 63.2 3.5 34.7 65.3
Wash. 65.7 4.8 45.9 54.1
W.Va. 69.5 4.1 35.8 64.2
Wis. 66.4 4.0 48.0 52.0
Wyo. 59.0 2.9 42.3 57.7
U.S. Total 65.6 5.2 42.7 57.3
% Market
State Leading Writer Share
Ala. State Farm Group 20.8
Alaska State Farm Group 22.8
Ariz. State Farm Group 15.0
Ark. State Farm Group 18.4
Calif. State Farm Group 12.7
Colo. State Farm Group 18.5
Conn. Allstate Ins Group 9.3
Del. Nationwide Group 20.3
D.C. Berkshire Hathaway Ins 24.5
Fla. State Farm Group 20.6
Ga. State Farm Group 19.1
Hawaii State Farm Group 16.1
Idaho State Farm Group 13.9
Ill. State Farm Group 24.7
Ind. State Farm Group 18.3
Iowa State Farm Group 15.5
Kan. State Farm Group 18.0
Ky. KY Farm Bureau Group 16.6
La. State Farm Group 28.7
Maine Progressive Ins Group 11.9
Md. State Farm Group 16.3
Mass. Commerce Group, Inc 24.6
Mich. State Farm Group 16.8
Minn. State Farm Group 19.5
Miss. State Farm Group 21.7
Mo. State Farm Group 19.3
Mont. State Farm Group 18.8
Neb. State Farm Group 19.5
Nev. State Farm Group 14.1
N.H. State Farm Group 12.0
N.J. NJM Ins Group 11.6
N.M. State Farm Group 19.5
N.Y Allstate Ins Group 14.5
N.C. Nationwide Group 16.6
N.D. State Farm Group 11.4
Ohio State Farm Group 15.7
Okla. State Farm Group 18.7
Ore. State Farm Group 17.6
Pa. State Farm Group 15.7
R.I. Progressive Ins Group 13.5
S.C. State Farm Group 24.5
S.D. State Farm Group 14.3
Tenn. State Farm Group 18.7
Texas State Farm Group 19.3
Utah State Farm Group 16.8
Vt. Progressive Ins Group 13.2
Va. State Farm Group 14.0
Wash. State Farm Group 13.3
W.Va. State Farm Group 25.7
Wis. Amer Family Ins Group 19.2
Wyo. State Farm Group 20.1
U.S. Total State Farm Group 15.7
% Market
State Second Leader Share
Ala. Alfa Ins Group 13.5
Alaska Allstate Ins Group 15.7
Ariz. Zurich/Farmers Group 11.6
Ark. Southern Farm Bureau 12.2
Calif. Zurich/Farmers Group 9.7
Colo. Zurich/Farmers Group 13.2
Conn. Progressive Ins Group 9.0
Del. State Farm Group 18.5
D.C. State Farm Group 17.7
Fla. Allstate Ins Group 12.4
Ga. Progressive Ins Group 12.5
Hawaii Berkshire Hathaway Ins 14.8
Idaho Zurich/Farmers Group 11.8
Ill. Allstate Ins Group 7.5
Ind. Progressive Ins Group 8.3
Iowa Nationwide Group 10.8
Kan. Amer Family Ins Group 12.2
Ky. State Farm Group 15.2
La. Allstate Ins Group 11.1
Maine State Farm Group 9.7
Md. Berkshire Hathaway Ins 13.3
Mass. Arbella Ins Group 10.1
Mich. Auto Club Group 15.6
Minn. Amer Family Ins Group 11.0
Miss. Progressive Ins Group 12.2
Mo. Amer Family Ins Group 13.9
Mont. Zurich/Farmers Group 11.9
Neb. Amer Family Ins Group 8.4
Nev. Zurich/Farmers Group 13.3
N.H. Liberty Mutual Ins Cos 12.0
N.J. Allstate Ins Group 10.9
N.M. Zurich/Farmers Group 14.4
N.Y Berkshire Hathaway Ins 11.5
N.C. State Farm Group 11.6
N.D. Amer Family Ins Group 9.4
Ohio Progressive Ins Group 11.3
Okla. Zurich/Farmers Group 16.0
Ore. Zurich/Farmers Group 15.7
Pa. Erie Ins Group 13.0
R.I. MetLife Auto & Home Group 9.5
S.C. Allstate Ins Group 12.1
S.D. Amer Family Ins Group 10.5
Tenn. TN Farmers Ins Cos 12.6
Texas Allstate Ins Group 12.6
Utah Zurich/Farmers Group 14.5
Vt. Allstate Ins Group 8.2
Va. Berkshire Hathaway Ins 11.4
Wash. Zurich/Farmers Group 12.2
W.Va. Nationwide Group 19.6
Wis. State Farm Group 10.3
Wyo. Zurich/Farmers Group 10.6
U.S. Total Allstate Ins Group 8.6
(1) ALR: Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.
(2) DDCCE: Direct defense and cost-containment expense ratio is the
former allocated loss adjustment expense (ALAE) ratio.
(3) Insurers that distribute primarily through independent agents.
(4) Insurers that distribute primarily through a direct-selling system
or an exclusive agency system.
Source: A.M. Best Statement Products: State/Line. For more information
about custom data, please call (908) 439-2200, ext. 5383.
COPYRIGHT 2004 A.M. Best Company, Inc.
No portion of this article can be reproduced without the express written permission from the copyright holder.
Copyright 2004, Gale Group. All rights reserved. Gale Group is a Thomson Corporation Company.
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