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Incurred Losses By State, Commercial Insurance, 2019 (1)
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($000)

State Incurred losses State Incurred losses
Alabama $1,793,587 Montana $919,776
Alaska 356,189 Nebraska 1,708,365
Arizona 2,327,020 Nevada 1,672,253
Arkansas 1,600,472 New Hampshire 468,357
California 21,356,376 New Jersey 6,785,945
Colorado 3,103,153 New Mexico 889,278
Connecticut 2,220,881 New York 15,514,275
Delaware 688,956 North Carolina 3,702,391
D.C. 378,394 North Dakota 1,273,448
Florida 14,534,813 Ohio 4,238,179
Georgia 5,610,805 Oklahoma 1,893,782
Hawaii 584,652 Oregon 1,868,227
Idaho 850,249 Pennsylvania 7,314,696
Illinois 8,527,029 Rhode Island 525,819
Indiana 2,861,556 South Carolina 2,250,933
Iowa 1,879,763 South Dakota 1,591,974
Kansas 1,784,301 Tennessee 2,336,953
Kentucky 1,875,461 Texas 17,492,038
Louisiana 2,971,976 Utah 1,123,346
Maine 566,361 Vermont 328,064
Maryland 2,789,339 Virginia 2,822,991
Massachusetts 3,638,401 Washington 2,946,766
Michigan 3,848,514 West Virginia 644,046
Minnesota 3,862,174 Wisconsin 3,185,911
Mississippi 1,262,239 Wyoming 351,323
Missouri 3,507,667 United States $178,629,467

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.  

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

 

Archived Tables

INCURRED LOSSES BY STATE, COMMERCIAL MULTIPLE PERIL, 2008 (1)
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($000)

State Liability Nonliability Total incurred losses
Alabama $66,429 $169,532 $235,960
Alaska 12,572 26,594 39,166
Arizona  80,560 169,741 250,301
Arkansas 32,463 304,816 337,279
California  747,133 1,083,589 1,830,722
Colorado  113,085 220,310 333,395
Connecticut 116,996 129,265 246,261
Delaware 18,415 397,407 415,822
D.C. 16,532 29,787 46,319
Florida 281,750 300,092 581,842
Georgia 132,279 502,007 634,287
Hawaii -5,114 10,195 5,081
Idaho 32,048 78,043 110,091
Illinois 281,228 566,730 847,958
Indiana 147,346 359,786 507,132
Iowa 47,777 268,884 316,660
Kansas 33,576 231,713 265,289
Kentucky 72,953 288,521 361,474
Louisiana 45,509 486,048 531,557
Maine 25,270 90,042 115,312
Maryland 79,402 147,712 227,113
Massachusetts 86,135 211,972 298,107
Michigan 136,739 421,576 558,315
Minnesota 96,044 453,761 549,805
Mississippi 26,758 112,783 139,541
Missouri 88,729 245,812 334,542
Montana 30,068 40,131 70,198
Nebraska 26,098 180,044 206,142
Nevada 77,445 79,766 157,211
New Hampshire 45,354 75,480 120,834
New Jersey 253,630 231,896 485,526
New Mexico 48,176 52,727 100,903
New York 673,269 637,973 1,311,242
North Carolina 104,565 215,155 319,720
North Dakota 11,255 39,402 50,657
Ohio 144,520 594,467 738,987
Oklahoma 39,741 202,065 241,806
Oregon 120,981 131,274 252,255
Pennsylvania 350,229 435,412 785,641
Rhode Island 20,590 14,533 35,122
South Carolina 82,226 145,545 227,772
South Dakota 8,055 52,284 60,339
Tennessee 75,661 394,758 470,419
Texas 268,183 2,427,014 2,695,198
Utah 41,154 31,664 72,818
Vermont 17,551 93,787 111,338
Virginia  69,536 195,474 265,011
Washington 120,036 221,925 341,960
West Virginia 29,581 38,669 68,250
Wisconsin 68,205 253,505 321,710
Wyoming 13,046 52,060 65,106
United States $5,535,459 $14,179,790 $19,715,248

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.   

Source: National Association of Insurance Commissioners (NAIC) Annual Statement Database, via Highline Data, LLC. Copyrighted information. No portion of this work may be copied or redistributed without the express written permission of Highline Data, LLC.  

 
INCURRED LOSSES BY STATE, COMMERCIAL LINES, 2009 (1)
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State Incurred losses
Alabama $1,761,786
Alaska 402,949
Arizona 2,572,598
Arkansas 1,195,220
California  14,197,778
Colorado  2,068,187
Connecticut 1,882,885
D.C. 1,480,762
Delaware 1,012,929
Florida 7,147,301
Georgia 4,042,945
Hawaii 405,621
Idaho 575,309
Illinois 7,741,747
Indiana 2,150,235
Iowa 1,866,628
Kansas 1,505,682
Kentucky 1,470,308
Louisiana 2,110,296
Maine 450,993
Maryland 2,255,380
Massachusetts 2,327,602
Michigan 3,190,375
Minnesota 2,719,922
Mississippi 842,446
Missouri 2,401,968
Montana 671,491
Nebraska 1,101,796
Nevada 1,254,499
New Hampshire 550,347
New Jersey 4,711,413
New Mexico 599,586
New York 15,719,444
North Carolina 2,923,885
North Dakota 518,042
Ohio 2,739,963
Oklahoma 1,922,424
Oregon 1,470,556
Pennsylvania 4,919,575
Rhode Island 448,594
South Carolina 1,349,297
South Dakota 523,759
Tennessee 2,005,459
Texas 9,428,906
Utah 790,605
Vermont 243,351
Virginia  2,602,300
Washington 2,346,060
West Virginia 771,452
Wisconsin 2,626,250
Wyoming 211,705
United States $132,230,611

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.   

Source: SNL Financial LC.  

 
INCURRED LOSSES BY STATE, COMMERCIAL LINES, 2010 (1)
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($000)

State Total Incurred losses
Alabama $1,558,873
Alaska 315,545
Arizona 2,764,947
Arkansas 1,075,392
California 15,009,278
Colorado 1,815,253
Connecticut 1,900,823
D.C. 675,685
Delaware 447,524
Florida 6,562,856
Georgia 3,172,155
Hawaii 380,102
Idaho 384,453
Illinois 6,966,036
Indiana 1,793,276
Iowa 1,629,851
Kansas 1,099,325
Kentucky 1,354,744
Louisiana 2,115,948
Maine 395,590
Maryland 2,683,916
Massachusetts 2,584,170
Michigan 3,056,082
Minnesota 2,502,191
Mississippi 838,392
Missouri 2,334,328
Montana 490,462
Nebraska 984,040
Nevada 1,325,556
New Hampshire 470,146
New Jersey 4,303,143
New Mexico 588,088
New York 14,897,332
North Carolina 2,522,263
North Dakota 520,121
Ohio 2,304,691
Oklahoma 2,231,305
Oregon 1,340,579
Pennsylvania 5,482,996
Rhode Island 646,067
South Caroline 1,312,006
South Dakota 721,253
Tennessee 2,725,537
Texas 7,748,142
Utah 660,104
Vermont 296,780
Virginia 2,291,444
Washington 1,987,057
West Virginia 720,286
Wisconsin 2,665,218
Wyoming 211,223
United States $124,862,577

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.   

Source: SNL Financial LC.  

 
INCURRED LOSSES BY STATE, COMMERCIAL LINES, 2011 (1)
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($000)

State Incurred losses
Alabama $2,918,205
Alaska 385,537
Arizona 2,621,600
Arkansas 1,268,770
California 15,519,998
Colorado 2,005,564
Connecticut 2,167,723
D.C. 684,497
Delaware 432,366
Florida 6,175,416
Georgia 3,507,197
Hawaii 360,109
Idaho 524,405
Illinois 7,394,775
Indiana 1,829,673
Iowa 1,929,468
Kansas 2,243,548
Kentucky 1,488,277
Louisiana 2,044,764
Maine 379,781
Maryland 2,276,294
Massachusetts 3,057,211
Michigan 3,108,440
Minnesota 2,799,192
Mississippi 1,178,583
Missouri 4,422,881
Montana 638,161
Nebraska 1,374,447
Nevada 1,071,577
New Hampshire 410,139
New Jersey 5,889,443
New Mexico 681,523
New York 13,802,405
North Carolina 3,797,723
North Dakota 1,974,888
Ohio 3,278,046
Oklahoma 2,464,628
Oregon 1,165,447
Pennsylvania 5,714,000
Rhode Island 472,330
South Carolina 1,512,145
South Dakota 876,196
Tennessee 2,878,175
Texas 10,922,739
Utah 801,168
Vermont 429,426
Virgina 3,025,832
Washington 1,795,669
West Virginia 481,460
Wisconsin 2,481,461
Wyoming 243,991
United States $140,907,291

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.   

Source: SNL Financial LC.  

 
INCURRED LOSSES BY STATE, COMMERCIAL INSURANCE, 2012 (1)
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($000)

State Incurred losses
Alabama $1,511,497
Alaska 375,932
Arizona 2,010,314
Arkansas 955,738
California 17,085,643
Colorado 2,180,082
Connecticut 2,043,848
D.C. 405,764
Delaware 1,246,159
Florida 7,051,036
Georgia 3,128,859
Hawaii 376,950
Idaho 552,460
Illinois 9,498,682
Indiana 3,391,383
Iowa 3,115,480
Kansas 2,619,904
Kentucky 2,047,251
Louisiana 2,770,187
Maine 383,596
Maryland 2,422,163
Massachusetts 3,026,382
Michigan 3,395,367
Minnesota 2,375,942
Mississippi 874,963
Missouri 3,641,491
Montana 587,774
Nebraska 2,275,233
Nevada 961,173
New Hampshire 481,623
New Jersey 10,653,852
New Mexico 730,848
New York 20,562,541
North Carolina 2,890,327
North Dakota 557,456
Ohio 3,186,278
Oklahoma 2,393,522
Oregon 1,249,719
Pennsylvania 5,974,235
Rhode Island 543,341
South Carolina 1,379,868
South Dakota 1,434,348
Tennessee 2,481,783
Texas 10,761,565
Utah 797,966
Vermont 286,147
Virginia 2,425,632
Washington 1,882,467
West Virginia 631,347
Wisconsin 2,732,111
Wyoming 207,572
United States $156,555,802

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.   

Source: SNL Financial LC.  

 
INCURRED LOSSES BY STATE, COMMERCIAL INSURANCE, 2013 (1)
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($000)

State Incurred losses
Alabama $1,287,008
Alaska 332,157
Arizona 1,571,177
Arkansas 1,160,047
California 17,223,123
Colorado 2,799,323
Connecticut 2,004,478
D.C. 501,864
Delaware 404,810
Florida 6,472,067
Georgia 3,172,899
Hawaii 423,802
Idaho 565,460
Illinois 7,572,645
Indiana 2,522,696
Iowa 2,984,205
Kansas 2,237,774
Kentucky 1,242,158
Louisiana 2,223,322
Maine 452,246
Maryland 2,555,696
Massachusetts 2,696,607
Michigan 3,836,008
Minnesota 3,609,599
Mississippi 1,465,309
Missouri 2,544,951
Montana 549,188
Nebraska 1,539,327
Nevada 1,126,288
New Hampshire 483,573
New Jersey 6,344,715
New Mexico 853,176
New York 10,081,172
North Carolina 2,632,081
North Dakota 1,451,355
Ohio 2,408,701
Oklahoma 2,708,256
Oregon 1,164,887
Pennsylvania 5,372,475
Rhode Island 435,585
South Carolina 1,261,536
South Dakota 804,632
Tennessee 2,186,195
Texas 10,614,095
Utah 837,251
Vermont 289,786
Virginia 2,174,083
Washington 1,720,758
West Virginia 511,388
Wisconsin 2,975,162
Wyoming 185,557
United States $134,572,651

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.   

Source: SNL Financial LC.  

 
INCURRED LOSSES BY STATE, COMMERCIAL INSURANCE, 2014 (1)
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($000)

State Incurred losses
Alabama $1,495,748
Alaska 354,590
Arizona 2,263,801
Arkansas 1,018,892
California 18,196,025
Colorado 2,550,219
Connecticut 1,998,051
Delaware 736,707
D.C. 331,541
Florida 7,585,560
Georgia 3,629,165
Hawaii 468,546
Idaho 597,766
Illinois 6,688,699
Indiana 2,390,025
Iowa 3,402,218
Kansas 1,778,685
Kentucky 1,524,719
Louisiana 2,235,586
Maine 481,085
Maryland 2,168,978
Massachusetts 2,969,447
Michigan 3,898,697
Minnesota 3,454,399
Mississippi 1,155,107
Missouri 2,399,880
Montana 683,237
Nebraska 2,027,290
Nevada 915,854
New Hampshire 427,786
New Jersey 5,451,193
New Mexico 671,253
New York 13,087,099
North Carolina 2,582,441
North Dakota 1,018,619
Ohio 2,508,092
Oklahoma 2,028,700
Oregon 1,016,389
Pennsylvania 6,280,488
Rhode Island 468,837
South Carolina 1,565,125
South Dakota 686,286
Tennessee 2,173,336
Texas 10,401,192
Utah 721,127
Vermont 289,934
Virginia 2,475,766
Washington 1,977,455
West Virginia 441,903
Wisconsin 2,898,467
Wyoming 224,048
United States $138,796,055

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.   

Source: SNL Financial LC.  

 
Incurred Losses By State, Commercial Insurance 2015 (1)
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($000)

State Incurred losses
Alabama $1,419,112
Alaska 363,728
Arizona 2,003,706
Arkansas 1,254,554
California 19,541,990
Colorado 2,414,087
Connecticut 2,070,338
Delaware 730,994
D.C. 433,554
Florida 8,501,510
Georgia 3,838,360
Hawaii 468,302
Idaho 659,553
Illinois 6,830,931
Indiana 2,566,434
Iowa 1,835,903
Kansas 1,402,724
Kentucky 1,867,224
Louisiana 2,343,340
Maine 455,772
Maryland 2,506,106
Massachusetts 3,469,767
Michigan 3,050,107
Minnesota 2,722,581
Mississipi 1,051,255
Missouri 2,873,340
Montana 610,515
Nebraska 1,229,100
Nevada 1,152,076
New Hampshire 462,900
New Jersey 6,125,955
New Mexico 767,124
New York 14,427,862
North Carolina 2,976,335
North Dakota 714,856
Ohio 2,887,160
Oklahoma 1,937,525
Oregon 1,256,062
Pennsylvania 6,158,809
Rhode Island 649,997
South Carolina 2,041,220
South Dakota 573,390
Tennessee 2,520,768
Texas 12,032,177
Utah 869,470
Vermont 325,623
Virginia 2,501,229
Washington 2,283,069
West Virginia 495,327
Wisconsin 2,489,079
Wyoming 182,318
United States $144,345,217

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.  

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

 
Incurred Losses By State, Commercial Insurance, 2016 (1)
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State Incurred losses State Incurred losses
Alabama $1,812,853 Montana $755,111
Alaska 394,033 Nebraska 1,348,648
Arizona 2,325,887 Nevada 1,284,564
Arkansas 1,456,670 New Hampshire 435,647
California 20,051,820 New Jersey 5,764,281
Colorado 2,942,038 New Mexico 751,013
Connecticut 1,938,736 New York 14,947,682
Delaware 628,022 North Carolina 3,582,493
D.C. 806,911 North Dakota 956,176
Florida 9,865,939 Ohio 3,011,524
Georgia 4,502,612 Oklahoma 1,798,017
Hawaii 478,369 Oregon 1,458,751
Idaho 637,170 Pennsylvania 6,622,343
Illinois 6,652,153 Rhode Island 476,440
Indiana 2,507,427 South Carolina 2,340,655
Iowa 1,613,975 South Dakota 652,065
Kansas 1,277,400 Tennessee 3,048,422
Kentucky 1,607,906 Texas 14,390,484
Louisiana 4,966,173 Utah 936,417
Maine 460,227 Vermont 258,959
Maryland 2,407,466 Virginia 2,820,819
Massachusetts 3,214,186 Washington 2,220,347
Michigan 3,326,842 West Virginia 732,163
Minnesota 2,611,386 Wisconsin 2,778,268
Mississippi 1,099,026 Wyoming 238,885
Missouri 2,851,109 United States $156,046,512

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.  

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

 
Incurred Losses By State, Commercial Insurance, 2017 (1)
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($000)

State Incurred losses State Incurred losses
Alabama $1,928,273 Montana $807,159
Alaska 443,063 Nebraska 1,437,794
Arizona 2,430,346 Nevada 1,222,748
Arkansas 1,071,138 New Hampshire 542,395
California 23,074,869 New Jersey 5,567,523
Colorado 3,584,356 New Mexico 735,018
Connecticut 2,004,376 New York 14,333,172
Delaware 649,864 North Carolina 3,125,029
D.C. 685,534 North Dakota 916,495
Florida 17,443,457 Ohio 2,625,184
Georgia 4,681,475 Oklahoma 1,671,479
Hawaii 785,333 Oregon 1,629,661
Idaho 887,780 Pennsylvania 5,588,566
Illinois 6,200,515 Rhode Island 442,866
Indiana 2,498,782 South Carolina 2,177,300
Iowa 1,676,262 South Dakota 773,575
Kansas 1,494,815 Tennessee 2,796,851
Kentucky 1,665,873 Texas 27,387,739
Louisiana 2,300,704 Utah 844,603
Maine 471,229 Vermont 245,094
Maryland 2,533,930 Virginia 2,826,933
Massachusetts 2,978,951 Washington 2,463,108
Michigan 3,257,866 West Virginia 624,322
Minnesota 2,686,584 Wisconsin 2,707,541
Mississippi 1,165,296 Wyoming 218,242
Missouri 3,153,603 United States $91,754,274

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.  

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

 
Incurred Losses By State, Commercial Insurance, 2018 (1)
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($000)

State Incurred losses State Incurred losses
Alabama $1,922,940 Montana $715,492
Alaska 491,635 Nebraska 1,352,043
Arizona 2,431,783 Nevada 1,975,068
Arkansas 1,352,870 New Hampshire 538,736
California 23,107,119 New Jersey 6,237,493
Colorado 3,817,114 New Mexico 972,374
Connecticut 2,092,815 New York 15,130,650
Delaware 620,339 North Carolina 5,704,928
D.C. 509,176 North Dakota 745,840
Florida 15,234,497 Ohio 2,845,700
Georgia 5,198,283 Oklahoma 1,856,086
Hawaii 524,265 Oregon 1,233,757
Idaho 772,008 Pennsylvania 6,710,076
Illinois 7,080,332 Rhode Island 600,383
Indiana 2,328,907 South Carolina 2,061,741
Iowa 2,649,506 South Dakota 715,088
Kansas 1,678,781 Tennessee 2,157,997
Kentucky 1,758,063 Texas 13,370,952
Louisiana 2,578,601 Utah 951,848
Maine 492,716 Vermont 316,390
Maryland 2,586,656 Virginia 2,882,069
Massachusetts 3,653,846 Washington 2,510,946
Michigan 3,526,883 West Virginia 691,200
Minnesota 2,732,251 Wisconsin 3,140,083
Mississippi 1,185,558 Wyoming 270,439
Missouri 2,932,856 United States $168,947,178

(1) Losses occurring within a fixed period whether or not adjusted or paid during the same period, on a direct basis before reinsurance.  

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