Public Policy Institute of New York State, Inc.

Just the Facts - Key Economic and Social Indicators for New York State

Average cost for auto insurance, 2005

Rank, average
expenditure
State
Average
expenditure**
Liability
Collision
Comprehensive
1
New Jersey
$1,184
$751
$403
$183
2
NEW YORK
$1,122
$765
$338
$159
3
Massachusetts
$1,113
$724
$339
$139
4
Louisiana
$1,076
$665
$358
$208
5
Florida
$1,063
$757
$280
$111
6
Rhode Island
$1,059
$714
$380
$130
7
Delaware
$1,028
$713
$294
$113
8
Connecticut
$991
$626
$343
$127
9
Nevada
$983
$636
$336
$146
10
Alaska
$962
$596
$390
$165
11
Maryland
$945
$556
$331
$149
12
Michigan
$931
$487
$436
$166
13
Arizona
$926
$511
$310
$242
14
West Virginia
$857
$532
$303
$193
15
Pennsylvania
$849
$508
$316
$131
16
California
$845
$487
$365
$117
17
Texas
$845
$476
$315
$155
18
Hawaii
$843
$547
$298
$114
19
Washington
$840
$541
$265
$132
20
Colorado
$827
$471
$304
$198
21
New Hampshire
$792
$431
$305
$114
22
Minnesota
$791
$460
$237
$190
23
Georgia
$784
$420
$372
$168
24
South Carolina
$753
$471
$253
$151
25
Kentucky
$750
$489
$272
$137
26
Mississippi
$745
$419
$304
$171
27
Illinois
$743
$410
$300
$121
28
Oregon
$737
$484
$235
$110
29
New Mexico
$727
$449
$293
$167
30
Utah
$706
$427
$270
$122
31
Vermont
$699
$368
$306
$134
32
Virginia
$698
$398
$271
$127
33
Arkansas
$693
$391
$297
$165
34
Missouri
$685
$381
$271
$152
35
Montana
$685
$409
$250
$207
36
Alabama
$678
$367
$316
$134
37
Oklahoma
$678
$395
$277
$174
38
Ohio
$669
$390
$255
$110
39
Tennessee
$659
$363
$298
$126
40
Indiana
$657
$372
$266
$120
41
Maine
$644
$368
$273
$111
42
Wyoming
$639
$336
$263
$224
43
Nebraska
$621
$337
$226
$208
44
Wisconsin
$615
$339
$215
$133
45
North Carolina
$602
$336
$269
$125
46
Kansas
$590
$301
$244
$205
47
Idaho
$583
$339
$236
$133
48
South Dakota
$565
$298
$211
$214
49
Iowa
$555
$290
$205
$169
50
North Dakota
$554
$259
$209
$254
United States
$829
$496
$309
$143
N.Y.S. % above U.S. avg.
35%
54%
9%
11%
** Average expenditure is not the total of liability, comprehensive and collision coverage. In making the average expenditure calculation, the NAIC assumes all "insured vehicles carry liability coverage but not necessarily collision or comprehensive coverage." -- Insurance Information Institute