Auto liability, top writers by state--2005.
Auto Liability, Top Writers by State--2005
Rank is based on direct premiums written in 2005.
($ Thousands)
Direct % of
No. of Premiums U.S. Premium
State Rank Cos. Written Total % Change
Ala. 27 476 $1,501,678 1.3 0.6
Alaska 46 279 296,633 0.3 1.9
Ariz. 16 535 2,245,057 1.9 4.7
Ark. 31 477 1,042,804 0.9 4.9
Calif. 1 511 13,075,883 11.1 0.7
Colo. 21 474 1,920,987 1.6 0.7
Conn. 23 393 1,845,875 1.6 -1.2
Del. 40 380 509,019 0.4 3.8
D.C. 51 345 165,350 0.1 -3.0
Fla. 2 556 10,370,893 8.8 3.4
Ga. 11 581 3,349,869 2.8 3.2
Hawaii 41 228 506,468 0.4 4.7
Idaho 44 409 462,070 0.4 1.6
Ill. 7 620 4,065,483 3.4 1.5
Ind. 18 594 2,025,716 1.7 -1.2
Iowa 33 501 907,483 0.8 -0.6
Kan. 34 470 848,545 0.7 -1.6
Ky. 25 493 1,693,729 1.4 1.0
La. 17 444 2,159,922 1.8 -3.1
Maine 43 336 482,207 0.4 1.1
Md. 14 480 2,647,343 2.2 0.6
Mass. 10 297 3,572,271 3.0 2.1
Mich. 8 445 3,903,123 3.3 2.3
Minn. 19 472 2,022,196 1.7 -1.5
Miss. 32 474 948,184 0.8 0.9
Mo. 20 549 1,973,611 1.7 2.4
Mont. 45 384 376,828 0.3 3.2
Neb. 38 463 620,460 0.5 -0.2
Nev. 30 446 1,211,854 1.0 8.2
N.H. 42 324 489,366 0.4 -1.1
N.J. 6 420 4,898,601 4.2 -2.5
N.M. 37 415 728,129 0.6 4.2
N.Y. 3 504 8,743,118 7.4 -5.1
N.C. 12 455 2,856,347 2.4 4.4
N.D. 49 389 196,209 0.2 0.4
Ohio 9 604 3,817,737 3.2 -1.9
Okla. 29 478 1,249,385 1.1 2.3
Ore. 28 474 1,483,223 1.3 1.2
Pa. 5 557 5,190,503 4.4 -1.1
R.I. 39 353 570,882 0.5 3.0
S.C. 24 459 1,723,769 1.5 3.1
S.D. 47 403 241,292 0.2 -0.1
Tenn. 22 547 1,878,587 1.6 2.5
Texas 4 585 8,011,123 6.8 0.0
Utah 35 440 837,548 0.7 2.3
Vt. 48 325 221,183 0.2 0.1
Va. 13 523 2,814,960 2.4 1.2
Wash. 15 485 2,629,245 2.2 2.6
W.Va. 36 382 796,430 0.7 -1.2
Wis. 26 542 1,657,556 1.4 0.7
Wyo. 50 347 193,688 0.2 2.2
U.S. Total 1,432 $117,980,422 100.0 0.6
Market Share
Agency Direct
State ALR (1) DDCCE (2) Writer (3) Writer (4)
Ala. 64.1 4.0 35.8 64.2
Alaska 54.3 -0.4 31.6 68.4
Ariz. 61.0 3.4 34.2 65.8
Ark. 58.4 3.2 37.6 62.4
Calif. 53.7 4.5 43.7 56.3
Colo. 56.7 4.4 32.4 67.6
Conn. 58.1 3.9 53.6 46.4
Del. 71.7 4.3 31.9 68.1
D.C. 45.1 3.9 34.8 65.2
Fla. 64.7 4.8 41.2 58.8
Ga. 66.9 3.4 43.2 56.8
Hawaii 46.2 3.3 51.9 48.1
Idaho 58.1 3.4 38.0 62.0
Ill. 59.5 5.1 37.5 62.5
Ind. 59.0 4.4 45.9 54.1
Iowa 53.6 3.5 48.8 51.2
Kan. 57.6 2.3 33.3 66.7
Ky. 59.5 3.6 40.5 59.5
La. 62.7 6.0 36.8 63.2
Maine 51.8 2.3 58.0 42.0
Md. 59.4 2.7 38.8 61.2
Mass. 49.0 3.8 78.8 21.2
Mich. 106.7 3.5 46.7 53.3
Minn. 53.0 4.1 40.0 60.0
Miss. 58.1 3.5 39.3 60.7
Mo. 61.2 3.6 38.5 61.5
Mont. 70.7 4.9 47.1 52.9
Neb. 59.4 3.2 40.3 59.7
Nev. 76.0 5.0 30.1 69.9
N.H. 52.7 2.6 45.0 55.0
N.J. 69.8 6.8 45.3 54.7
N.M. 60.8 2.7 33.5 66.5
N.Y 48.7 7.2 46.5 53.5
N.C. 66.8 2.3 39.4 60.6
N.D. 56.0 3.4 50.3 49.7
Ohio 53.1 3.6 53.5 46.5
Okla. 59.6 3.6 38.9 61.1
Ore. 57.0 3.6 36.5 63.5
Pa. 67.2 4.3 49.7 50.3
R.I. 55.3 3.1 47.3 52.7
S.C. 60.4 2.8 33.3 66.7
S.D. 54.8 3.0 51.6 48.4
Tenn. 61.8 4.2 36.5 63.5
Texas 59.5 3.8 39.1 60.9
Utah 61.0 2.7 32.7 67.3
Vt. 52.0 3.1 55.4 44.6
Va. 57.9 3.0 35.7 64.3
Wash. 65.7 4.6 43.4 56.6
W.Va. 63.4 3.3 37.6 62.4
Wis. 60.0 4.9 49.3 50.7
Wyo. 57.4 2.9 43.4 56.6
U.S. Total 60.8 4.3 43.2 56.8
% Market
State Leading Writer Share
Ala. State Farm Group 20.6
Alaska State Farm Group 22.8
Ariz. State Farm Group 13.3
Ark. State Farm Group 17.2
Calif. State Farm Group 11.1
Colo. State Farm Group 17.2
Conn. Allstate Ins Group 10.4
Del. Nationwide Group 20.6
D.C. Berkshire Hathaway Ins 26.5
Fla. State Farm Group 18.7
Ga. State Farm Group 18.8
Hawaii Berkshire Hathaway Ins 16.9
Idaho State Farm Group 12.3
Ill. State Farm Group 23.7
Ind. State Farm Group 17.3
Iowa State Farm Group 15.2
Kan. State Farm Group 17.8
Ky. State Farm Group 16.1
La. State Farm Group 27.9
Maine Progressive Ins Group 13.1
Md. State Farm Group 15.8
Mass. Commerce Group, Inc 26.7
Mich. State Farm Group 17.4
Minn. State Farm Group 18.2
Miss. State Farm Group 20.8
Mo. State Farm Group 17.8
Mont. State Farm Group 17.5
Neb. State Farm Group 19.1
Nev. State Farm Group 12.4
N.H. State Farm Group 12.6
N.J. Allstate Ins Group 12.1
N.M. State Farm Group 18.4
N.Y Allstate Ins Group 15.8
N.C. Nationwide Group 17.1
N.D. State Farm Group 12.8
Ohio State Farm Group 15.4
Okla. State Farm Group 17.9
Ore. State Farm Group 15.6
Pa. State Farm Group 14.9
R.I. Progressive Ins Group 17.0
S.C. State Farm Group 22.2
S.D. State Farm Group 15.6
Tenn. State Farm Group 19.0
Texas State Farm Group 17.9
Utah State Farm Group 14.8
Vt. Progressive Ins Group 15.6
Va. State Farm Group 12.9
Wash. State Farm Group 13.0
W.Va. State Farm Group 23.1
Wis. Amer Family Ins Group 21.0
Wyo. State Farm Group 18.7
U.S. Total State Farm Group 14.7
% Market
State Second Leader Share
Ala. Alfa Ins Group 13.4
Alaska Berkshire Hathaway Ins 18.1
Ariz. Farmers Ins Group 10.6
Ark. Southern Farm Bureau Group 12.3
Calif. Farmers Ins Group 8.5
Colo. Farmers Ins Group 11.8
Conn. Progressive Ins Group 10.0
Del. State Farm Group 18.8
D.C. State Farm Group 16.7
Fla. Allstate Ins Group 12.2
Ga. Progressive Ins Group 13.9
Hawaii State Farm Group 14.4
Idaho Farmers Ins Group 11.8
Ill. Allstate Ins Group 8.6
Ind. Progressive Ins Group 8.3
Iowa Nationwide Group 11.5
Kan. Amer Family Ins Group 12.6
Ky. KY Farm Bureau Group 15.8
La. Allstate Ins Group 12.8
Maine State Farm Group 9.7
Md. Berkshire Hathaway Ins 15.3
Mass. Safety Group 10.9
Mich. Auto Club Group 13.9
Minn. Progressive Ins Group 11.2
Miss. Progressive Ins Group 13.2
Mo. Amer Family Ins Group 14.0
Mont. Safeco Ins Cos 11.9
Neb. Progressive Ins Group 9.6
Nev. Farmers Ins Group 12.4
N.H. Liberty Mutual Ins Cos 12.2
N.J. NJM Ins Group 12.0
N.M. Farmers Ins Group 13.9
N.Y Berkshire Hathaway Ins 14.8
N.C. State Farm Group 11.0
N.D. Amer Family Ins Group 9.4
Ohio Progressive Ins Group 11.8
Okla. Farmers Ins Group 14.3
Ore. Farmers Ins Group 15.3
Pa. Erie Ins Group 12.9
R.I. Allstate Ins Group 8.5
S.C. Allstate Ins Group 12.9
S.D. Progressive Ins Group 13.3
Tenn. TN Farmers Ins Cos 13.0
Texas Allstate Ins Group 12.5
Utah Allstate Ins Group 14.2
Vt. Allstate Ins Group 7.7
Va. Berkshire Hathaway Ins 12.3
Wash. Farmers Ins Group 11.9
W.Va. Nationwide Group 20.2
Wis. State Farm Group 10.2
Wyo. Progressive Ins Group 11.6
U.S. Total Allstate Ins Group 9.2
(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, call (908) 439-2200, Ext. 5383.
COPYRIGHT 2006 A.M. Best Company, Inc.
No portion of this article can be reproduced without the express written permission from the copyright holder.
Copyright 2006, Gale Group. All rights reserved. Gale Group is a Thomson Corporation Company.
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