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Which states get the most value from personal auto coverage?

Every state ranked by how much of each premium dollar comes back to policyholders as coverage — the NAIC loss & cost-containment ratio (claims paid, plus the cost of defending and containing those claims, ÷ earned premium), with physical damage counted on losses alone — there is nothing to defend when the claim is your own car for personal auto insurance in 2024. A higher number means more of what personal auto customers paid in came back out as claims; a lower number means more of the premium stayed with insurers as margin and overhead. From 2024 NAIC property & casualty state totals.

68¢ came back to personal auto policyholders for every premium dollar in 2024
Best value: New Jersey — 83.1¢ back per $1
Least value: North Dakota — 55.9¢ back per $1
Total personal auto premium: $358,575,504,000
# State Loss + cost containment Direct written premium
1 New JerseyNJ 83.1¢ $10,842,407,000
2 New YorkNY 79.4¢ $19,720,456,000
3 NevadaNV 77.4¢ $4,139,848,000
4 MichiganMI 75.5¢ $11,393,846,000
5 CaliforniaCA 75.5¢ $43,582,031,000
6 WashingtonWA 73.5¢ $8,106,577,000
7 ConnecticutCT 73.3¢ $4,155,702,000
8 MissouriMO 71.6¢ $6,065,149,000
9 NebraskaNE 71.4¢ $1,965,460,000
10 District Of ColumbiaDC 70.7¢ $474,404,000
11 GeorgiaGA 68.6¢ $14,820,034,000
12 South CarolinaSC 67.8¢ $6,786,810,000
13 DelawareDE 67.5¢ $1,280,085,000
14 TexasTX 67.4¢ $35,391,061,000
15 Rhode IslandRI 67.0¢ $1,244,119,000
16 PennsylvaniaPA 66.7¢ $12,017,697,000
17 KentuckyKY 66.7¢ $4,154,971,000
18 KansasKS 66.5¢ $2,773,743,000
19 North CarolinaNC 66.4¢ $9,486,576,000
20 MaineME 66.3¢ $1,099,722,000
21 ArizonaAZ 65.8¢ $8,478,016,000
22 MarylandMD 65.8¢ $7,213,592,000
23 OregonOR 65.6¢ $4,255,047,000
24 New MexicoNM 65.2¢ $2,104,527,000
25 AlaskaAK 65.2¢ $663,389,000
26 IndianaIN 65.0¢ $5,534,495,000
27 IllinoisIL 65.0¢ $11,004,681,000
28 AlabamaAL 64.3¢ $5,071,803,000
29 WisconsinWI 64.2¢ $4,604,577,000
30 VirginiaVA 63.9¢ $8,688,986,000
31 TennesseeTN 63.8¢ $6,758,695,000
32 VermontVT 63.5¢ $501,486,000
33 OklahomaOK 63.5¢ $3,967,222,000
34 UtahUT 63.4¢ $3,496,233,000
35 MassachusettsMA 63.3¢ $7,381,941,000
36 New HampshireNH 63.3¢ $1,218,515,000
37 OhioOH 63.3¢ $9,113,430,000
38 West VirginiaWV 62.6¢ $1,639,560,000
39 ColoradoCO 62.6¢ $7,680,861,000
40 HawaiiHI 62.4¢ $932,502,000
41 ArkansasAR 62.3¢ $3,103,959,000
42 FloridaFL 61.4¢ $33,648,054,000
43 MinnesotaMN 61.2¢ $5,566,491,000
44 IdahoID 61.2¢ $1,700,547,000
45 MississippiMS 60.4¢ $2,787,374,000
46 LouisianaLA 59.9¢ $5,965,162,000
47 MontanaMT 59.0¢ $1,153,620,000
48 IowaIA 57.6¢ $2,657,213,000
49 WyomingWY 57.6¢ $602,175,000
50 South DakotaSD 56.6¢ $887,948,000
51 North DakotaND 55.9¢ $692,705,000

This is the loss & cost-containment ratio — claims paid plus the money spent defending and containing those specific claims (legal defense, litigation), as a share of premium. It doesn't include the insurer's general overhead. Physical-damage coverage carries no defense cost, so it is counted on losses alone. It isn't a quality score: a high ratio can mean generous payouts or simply costly losses in that state, and one bad catastrophe year can lift it.