III - PREMIUMS

CONTRIBUTION TO STATE ECONOMIES

DIRECT PREMIUMS WRITTEN, P/C INSURANCE BY STATE, 2007 (1)

($000)

State	Total, all lines	State	Total, all lines
Alabama	$6,689,133	Montana	$1,642,046
Alaska	1,514,096	Nebraska	3,325,609
Arizona	8,501,575	Nevada	4,622,315
Arkansas	3,917,494	New Hampshire	2,034,169
California	59,096,390	New Jersey	17,107,869
Colorado	7,730,388	New Mexico	2,637,400
Connecticut	7,041,383	New York	35,244,421
Delaware	2,525,805	North Carolina	12,274,492
D.C.	1,701,235	North Dakota	1,471,042
Florida	38,293,959	Ohio	13,076,439
Georgia	13,971,161	Oklahoma	5,368,523
Hawaii	2,338,783	Oregon	5,643,900
Idaho	1,897,011	Pennsylvania	20,030,752
Illinois	21,095,721	Rhode Island	1,927,628
Indiana	8,554,355	South Carolina	6,842,051
Iowa	4,820,940	South Dakota	1,694,478
Kansas	4,781,367	Tennessee	8,586,817
Kentucky	5,806,948	Texas	36,006,765
Louisiana	9,186,316	Utah	3,436,183
Maine	1,908,944	Vermont	1,128,486
Maryland	8,908,320	Virginia	10,621,110
Massachusetts	11,737,435	Washington	9,161,722
Michigan	14,739,781	West Virginia	3,003,244
Minnesota	8,848,413	Wisconsin	8,109,973
Mississippi	4,232,739	Wyoming	890,825
Missouri	9,030,816	United States	$484,763,527
(1) Before reinsurance transactions, excluding state funds, territories and possessions. 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.

In 2007 California accounted for the largest amount of direct premiums written, followed by Florida, Texas, New York and Illinois.
Direct premiums written in 2007 fell 1.2 percent in California and 1.9 percent in Florida. They rose 3.7 percent in Texas and 1.5 percent in New York and fell 0.3 percent in Illinois. Nationally, they grew 0.7 percent.

LIFE/HEALTH INSURANCE PREMIUMS AND ANNUITY CONSIDERATIONS BY STATE, 2007 (1)

($ millions)

State	Life insurance	Annuities	Accident and health insurance (2)	Deposit-type contract funds	Other considerations	Total
Alabama	$2,431	$2,711	$1,493	$234	$876	$7,746
Alaska	291	450	227	48	128	1,145
Arizona	2,041	4,409	3,398	379	1,517	11,745
Arkansas	886	1,484	1,364	219	423	4,375
California	14,755	22,085	14,546	2,963	11,564	65,914
Colorado	1,923	4,302	2,811	2,560	1,202	12,798
Connecticut	2,520	5,237	2,272	8,186	2,482	20,697
Delaware	3,513	1,396	413	16,868	784	22,974
D.C.	415	463	536	193	992	2,598
Florida	7,935	17,385	9,727	1,710	5,641	42,398
Georgia	4,251	4,716	4,329	1,249	1,604	16,149
Hawaii	711	1,265	352	63	673	3,064
Idaho	460	868	492	167	224	2,211
Illinois	6,344	9,486	6,338	1,725	3,690	27,584
Indiana	2,584	5,190	3,704	2,001	1,398	14,877
Iowa	1,516	2,856	1,485	8,748	705	15,310
Kansas	1,246	2,082	2,753	7,254	816	14,151
Kentucky	1,376	2,277	1,760	170	932	6,515
Louisiana	1,834	3,436	1,731	456	1,085	8,542
Maine	401	818	703	75	327	2,323
Maryland	2,529	4,460	2,209	3,488	2,057	14,743
Massachusetts	3,265	6,707	2,432	1,979	3,283	17,667
Michigan	3,747	9,980	3,726	1,185	2,318	20,957
Minnesota	3,260	4,931	1,872	998	2,009	13,070
Mississippi	977	1,272	1,557	143	335	4,283
Missouri	2,524	4,587	4,728	722	1,276	13,837
Montana	271	479	456	55	128	1,389
Nebraska	853	1,713	1,158	509	420	4,653
Nevada	821	1,341	989	332	486	3,970
New Hampshire	531	1,226	547	770	364	3,438
New Jersey	7,378	10,226	3,911	3,627	3,564	28,706
New Mexico	543	879	644	81	397	2,544
New York	10,641	17,390	6,153	18,137	9,182	61,503
North Carolina	3,971	6,469	4,713	1,806	2,133	19,093
North Dakota	265	539	278	29	154	1,264
Ohio	4,874	9,754	5,708	3,311	2,896	26,543
Oklahoma	1,210	1,771	1,651	297	713	5,641
Oregon	1,080	2,190	1,455	286	1,068	6,080
Pennsylvania	6,093	11,462	4,444	1,633	4,545	28,176
Rhode Island	473	912	361	139	297	2,182
South Carolina	1,743	2,885	1,957	185	668	7,437
South Dakota	441	571	342	50	140	1,545
Tennessee	2,735	4,297	2,856	395	1,588	11,871
Texas	8,814	15,217	13,218	2,252	4,757	44,257
Utah	969	1,810	916	325	540	4,560
Vermont	237	470	356	106	250	1,420
Virginia	3,441	5,314	3,560	1,951	2,315	16,581
Washington	2,158	3,654	2,147	601	1,680	10,239
West Virginia	590	1,068	716	66	358	2,798
Wisconsin	2,558	5,288	4,482	901	1,432	14,661
Wyoming	196	357	280	134	80	1,045
United States (3)	$136,618	$232,134	$140,260	$101,760	$88,498	$699,268
(1) Direct premiums written before reinsurance transactions, excluding state funds. (2) Does not include A/H premiums reported on P/C and health annual statements. (3) Totals do not include territories, dividends and other nonstate specific data. Source: National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or redistribution strictly prohibited without written permission of NAIC.

DIRECT PREMIUMS WRITTEN, PROPERTY/CASUALTY INSURANCE
BY STATE BY LINE, 2007 (1)

($000)

	Private passenger auto		Commercial auto
State	Liability	Coll./comp.	Liability	Coll./comp.	Home-owners multiple peril	Farmowners multiple peril	Commercial multiple peril
Alabama	$1,194,156	$1,093,951	$345,151	$121,738	$1,146,955	$53,151	$549,694
Alaska	242,898	156,139	54,698	21,595	126,312	457	111,568
Arizona	2,000,842	1,594,232	386,642	121,525	1,158,875	12,450	597,474
Arkansas	786,142	604,408	212,321	81,871	532,840	13,704	256,760
California	11,293,951	9,009,027	2,294,860	783,126	6,477,808	203,138	4,700,146
Colorado	1,543,056	1,133,961	323,962	123,796	1,181,544	55,261	640,503
Connecticut	1,468,736	881,286	308,203	73,234	981,115	3,240	562,580
Delaware	420,421	199,056	85,046	79,117	163,337	2,496	281,764
D.C.	132,729	123,933	34,916	5,862	118,443	0	142,816
Florida	8,515,352	3,831,828	1,612,282	435,801	7,083,011	27,307	2,204,970
Georgia	2,846,061	2,500,235	671,242	226,815	1,776,025	84,265	873,031
Hawaii	415,357	251,589	96,067	27,553	316,997	615	158,213
Idaho	387,794	282,647	101,732	46,559	215,223	42,929	191,202
Illinois	3,169,951	2,565,102	854,876	279,441	2,355,606	103,663	1,529,225
Indiana	1,540,937	1,182,810	420,143	163,589	1,232,424	128,338	706,422
Iowa	651,951	596,733	212,156	105,150	468,960	100,926	295,162
Kansas	688,454	645,765	165,143	86,255	680,142	121,109	310,915
Kentucky	1,396,232	762,139	268,772	91,084	691,137	107,328	412,230
Louisiana	1,813,519	1,304,867	473,177	110,099	1,218,088	9,026	464,813
Maine	354,459	277,679	93,328	35,716	279,082	2,826	193,184
Maryland	2,105,282	1,452,813	412,134	114,903	1,190,758	20,103	598,774
Massachusetts	2,541,575	1,491,634	595,684	184,111	1,616,147	2,128	987,626
Michigan	3,161,113	2,646,034	498,486	241,410	2,109,335	105,144	1,011,106
Minnesota	1,590,560	1,118,196	327,782	146,343	1,216,578	84,034	619,974
Mississippi	774,723	638,790	236,456	75,123	670,359	14,777	296,113
Missouri	1,536,546	1,221,812	365,063	149,069	1,192,476	103,630	658,704
Montana	310,136	217,175	85,027	48,614	180,168	44,262	145,532
Nebraska	467,134	365,109	124,020	73,115	386,881	112,571	252,839
Nevada	1,128,582	613,203	199,260	46,112	476,081	6,612	310,322
New Hampshire	378,444	318,943	95,180	35,545	282,169	1,502	203,439
New Jersey	3,852,296	1,991,407	996,067	195,805	1,803,837	2,765	1,291,773
New Mexico	637,623	418,586	130,031	48,908	326,209	20,497	207,279
New York	6,451,822	3,342,663	1,713,879	295,796	3,924,821	33,987	3,143,974
North Carolina	2,521,056	1,767,825	586,500	190,907	1,645,599	43,661	846,952
North Dakota	147,296	158,760	50,207	32,500	113,881	59,077	87,383
Ohio	2,930,977	2,140,291	645,510	211,418	1,849,309	105,385	1,122,078
Oklahoma	1,012,661	757,741	264,442	100,772	882,818	97,200	370,578
Oregon	1,310,833	675,770	247,173	74,283	564,150	50,282	444,948
Pennsylvania	4,168,890	2,829,265	937,619	316,711	2,355,423	79,476	1,502,412
Rhode Island	453,761	234,654	84,328	22,113	260,504	141	140,170
South Carolina	1,538,485	970,787	292,308	94,569	1,093,434	5,033	455,364
South Dakota	188,414	173,392	55,989	97,723	125,756	64,827	101,612
Tennessee	1,523,618	1,257,687	381,385	158,509	1,158,702	99,256	612,560
Texas	6,611,805	5,388,039	1,684,433	506,855	5,097,166	123,157	1,921,731
Utah	729,822	492,259	174,549	75,865	331,930	8,181	227,752
Vermont	164,916	150,572	49,753	20,101	153,206	10,939	137,121
Virginia	2,290,865	1,687,954	465,477	152,805	1,428,927	44,844	719,988
Washington	2,416,701	1,361,940	399,060	123,968	1,155,326	50,969	746,672
West Virginia	647,655	416,663	136,059	43,351	311,734	10,469	175,293
Wisconsin	1,236,957	987,451	347,200	152,433	851,758	109,706	599,529
Wyoming	153,277	151,996	52,191	29,770	110,777	22,548	82,222
United States	96,808,344	66,967,397	21,845,513	7,153,098	63,243,727	2,519,464	35,789,361
(1) Excludes state funds. 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.

DIRECT PREMIUMS WRITTEN, PROPERTY/CASUALTY INSURANCE
BY STATE BY LINE, 2007 (1) (Cont'd)

($000)

State	Workers compensation	Medical malpractice	Products liability	Other liability	Fire	Allied lines	Inland marine
Alabama	$399,361	$159,891	$51,555	$555,295	$162,714	$130,828	$234,120
Alaska	331,018	24,602	6,774	129,072	28,967	15,301	105,504
Arizona	398,555	293,216	66,605	858,801	126,824	88,161	238,495
Arkansas	286,866	82,576	19,230	343,939	128,158	101,517	163,603
California	6,593,558	909,208	594,577	7,327,410	1,450,082	941,033	2,032,868
Colorado	405,143	182,820	87,481	943,589	122,454	116,766	228,767
Connecticut	731,246	217,422	48,256	863,313	108,370	83,417	203,693
Delaware	266,018	42,567	9,636	199,254	21,743	18,539	48,157
D.C.	163,228	41,563	5,134	306,144	29,355	25,820	65,247
Florida	3,116,699	662,822	254,166	3,170,709	1,223,199	1,435,812	1,126,330
Georgia	1,346,847	331,846	89,919	1,247,778	280,772	192,383	450,402
Hawaii	325,741	34,674	16,222	292,454	70,717	74,003	52,249
Idaho	137,128	44,378	12,706	156,077	25,397	26,763	61,914
Illinois	2,706,558	659,802	165,749	3,355,341	362,369	274,089	554,749
Indiana	791,347	130,612	60,300	711,444	179,331	116,489	292,330
Iowa	553,991	95,104	34,919	430,631	67,960	122,354	154,701
Kansas	429,708	98,117	28,852	346,841	77,904	128,988	136,360
Kentucky	637,084	173,862	31,638	404,019	119,605	83,755	228,569
Louisiana	956,353	107,557	50,274	755,374	249,440	249,583	329,632
Maine	240,399	57,726	6,550	134,978	36,311	22,421	52,966
Maryland	680,987	322,648	53,029	861,059	143,704	96,680	226,832
Massachusetts	1,122,074	301,379	106,002	1,418,391	282,490	176,062	274,699
Michigan	1,091,383	244,781	92,128	1,198,770	345,953	159,413	335,648
Minnesota	866,972	99,980	84,441	913,666	144,729	198,953	212,508
Mississippi	352,919	56,101	21,346	297,103	123,834	127,161	153,649
Missouri	989,295	216,599	60,730	940,808	183,867	142,098	252,361
Montana	113,175	48,791	8,414	120,980	20,453	23,798	44,389
Nebraska	342,121	36,965	16,114	252,297	42,267	110,628	94,215
Nevada	528,810	106,810	40,361	519,273	95,883	69,543	122,743
New Hampshire	271,363	43,132	16,205	159,433	31,246	21,236	54,489
New Jersey	1,977,758	590,154	211,976	2,206,834	316,116	212,130	415,775
New Mexico	280,394	50,626	13,871	189,749	32,794	29,721	75,526
New York	2,509,474	1,669,425	322,143	5,872,455	807,450	460,097	964,447
North Carolina	1,522,625	293,586	101,442	973,569	245,111	216,403	386,744
North Dakota	298	17,980	7,453	77,396	17,950	74,045	31,561
Ohio	28,362	469,392	110,823	1,451,114	323,228	186,633	397,334
Oklahoma	461,279	135,084	42,908	460,980	101,282	104,098	184,291
Oregon	953,971	110,687	45,634	450,900	87,571	58,186	146,859
Pennsylvania	2,302,573	712,621	165,934	2,351,466	409,070	255,005	415,628
Rhode Island	201,945	37,327	11,598	191,137	40,431	30,598	47,960
South Carolina	798,921	52,340	41,861	418,998	177,508	165,190	201,279
South Dakota	138,613	25,709	8,186	89,977	17,584	38,595	54,273
Tennessee	947,979	338,730	65,515	833,135	202,293	122,716	268,734
Texas	2,740,473	375,221	260,527	4,039,872	1,385,450	981,326	1,355,726
Utah	511,316	72,406	35,133	330,344	58,473	44,959	106,157
Vermont	190,069	19,753	6,325	107,363	19,088	12,246	29,682
Virginia	924,751	282,632	59,535	1,128,446	205,168	127,283	292,648
Washington	50,685	239,959	82,717	1,057,156	155,822	124,564	245,247
West Virginia	712,932	82,701	14,068	166,832	58,205	31,508	70,368
Wisconsin	1,756,490	108,041	71,505	770,650	114,644	100,059	210,275
Wyoming	9,895	24,375	9,193	88,193	15,873	12,473	41,893
United States	46,202,157	11,537,172	4,022,589	54,334,743	11,888,013	9,269,779	15,220,102
(1) Excludes state funds. 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.

DIRECT PREMIUMS WRITTEN, PROPERTY/CASUALTY INSURANCE
BY STATE BY LINE, 2007 (1) (Cont'd)

($000)

State	Ocean marine	Surety	Fidelity	Burglary and theft	Boiler and machinery	Financial guaranty	Aircraft
Alabama	$41,250	$68,121	$12,447	$1,548	$19,794	$25,394	$23,122
Alaska	26,985	27,453	2,054	179	5,209	4,662	36,575
Arizona	14,421	117,231	11,791	1,555	17,782	21,448	76,833
Arkansas	18,688	32,375	9,623	1,807	11,833	7,388	22,315
California	289,605	736,544	126,735	19,673	105,963	347,388	223,653
Colorado	13,642	107,987	18,146	2,163	16,629	48,455	44,311
Connecticut	72,776	67,778	31,066	4,088	14,664	24,343	43,695
Delaware	6,712	16,100	3,806	2,344	2,842	102,444	13,337
D.C.	6,988	71,595	12,792	1,448	3,955	24,851	17,944
Florida	313,146	432,569	56,886	9,491	54,875	116,102	150,246
Georgia	61,402	180,133	29,033	4,197	27,127	38,611	75,398
Hawaii	13,985	39,223	4,920	296	3,441	10,477	16,009
Idaho	2,783	22,311	2,891	373	5,695	2,026	16,545
Illinois	73,179	175,791	78,084	7,189	51,407	108,777	94,532
Indiana	24,549	73,033	16,494	2,430	26,861	21,278	25,966
Iowa	6,942	36,607	9,927	1,239	18,569	6,382	13,350
Kansas	6,318	47,215	9,880	1,227	14,950	13,821	23,875
Kentucky	24,980	72,501	9,872	1,342	18,958	12,245	14,028
Louisiana	315,425	98,582	11,465	1,660	19,524	27,640	65,298
Maine	24,393	13,869	3,256	436	6,443	3,039	4,954
Maryland	89,137	140,796	19,943	2,599	16,237	23,913	30,830
Massachusetts	92,340	109,643	33,972	3,506	27,770	62,712	24,572
Michigan	42,688	75,445	32,876	3,887	41,616	28,240	42,896
Minnesota	23,791	81,061	25,413	3,924	25,618	50,728	56,749
Mississippi	21,233	55,898	7,592	1,232	11,514	7,265	13,641
Missouri	38,298	86,738	21,943	3,208	21,468	22,655	34,509
Montana	2,114	18,308	2,798	295	3,731	3,621	12,585
Nebraska	3,979	28,173	7,324	1,214	10,957	10,841	11,443
Nevada	7,002	103,653	7,713	1,093	12,246	17,900	35,248
New Hampshire	14,034	18,417	2,969	515	4,381	1,605	9,690
New Jersey	130,709	166,730	47,068	5,187	34,009	58,678	69,480
New Mexico	1,594	40,498	3,965	477	6,203	4,317	10,319
New York	524,674	379,781	154,858	16,508	75,278	1,439,255	208,991
North Carolina	41,843	117,640	24,594	3,847	25,824	27,017	50,610
North Dakota	973	12,489	2,534	218	7,115	2,071	6,356
Ohio	35,797	122,442	41,748	6,864	47,017	33,804	63,011
Oklahoma	18,115	52,455	9,481	1,533	12,556	8,113	24,125
Oregon	29,209	60,964	9,516	1,851	14,354	6,963	39,799
Pennsylvania	51,206	193,941	48,845	7,512	51,521	137,583	66,740
Rhode Island	31,683	11,633	3,988	520	3,773	5,234	21,769
South Carolina	30,618	62,788	9,406	1,472	14,617	16,295	16,896
South Dakota	621	11,722	3,097	359	3,916	1,237	5,520
Tennessee	37,085	80,144	16,943	4,375	20,193	8,843	43,234
Texas	382,909	427,834	69,439	16,213	89,120	103,320	220,957
Utah	5,930	41,739	6,563	683	6,923	4,700	18,491
Vermont	8,204	5,723	2,742	253	2,850	4,555	3,420
Virginia	59,662	157,357	27,667	5,967	24,930	11,384	32,790
Washington	130,603	147,955	17,772	2,426	23,263	37,344	69,511
West Virginia	3,783	35,708	4,600	394	6,712	3,161	4,803
Wisconsin	24,542	40,551	21,208	2,356	31,294	9,574	28,013
Wyoming	734	23,106	1,357	156	4,582	137	6,054
United States	3,909,413	5,411,350	1,294,348	170,602	1,209,320	3,547,295	2,987,622
(1) Excludes state funds. 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.

DIRECT PREMIUMS WRITTEN, PROPERTY/CASUALTY INSURANCE
BY STATE BY LINE, 2007 (1) (Cont'd)

($000)

State	Earthquake	Federal flood	Credit	Accident and health	Multiple peril crop	Mortgage guaranty	Misc.
Alabama	$6,849	$25,417	$22,986	$47,967	$41,242	$91,527	$62,909
Alaska	18,994	1,769	847	10,436	35	18,017	5,976
Arizona	7,166	16,926	17,356	58,354	7,602	147,283	43,130
Arkansas	16,398	6,419	6,717	42,893	64,981	47,037	15,085
California	1,061,401	153,900	112,821	348,418	190,234	477,991	291,272
Colorado	8,315	11,230	13,789	74,588	140,714	110,507	30,812
Connecticut	5,386	28,021	82,295	31,150	4,185	57,789	40,036
Delaware	969	12,052	63,574	428,357	8,780	21,030	6,304
D.C.	1,916	438	4,833	138,032	0	218,943	2,307
Florida	35,432	861,970	67,181	272,124	127,318	523,633	572,697
Georgia	13,076	47,155	29,407	129,449	92,908	230,974	94,671
Hawaii	8,307	22,954	3,031	20,209	2,199	50,298	10,981
Idaho	2,426	3,145	1,953	16,284	43,836	35,005	9,292
Illinois	44,740	27,725	75,995	272,726	624,545	272,866	251,643
Indiana	30,648	16,484	21,623	170,499	301,231	135,885	30,859
Iowa	3,014	6,540	6,854	78,050	601,657	123,817	17,295
Kansas	4,910	5,559	8,042	62,385	494,394	56,012	88,229
Kentucky	37,759	11,659	11,185	43,433	64,415	49,647	27,471
Louisiana	6,385	246,381	20,549	52,370	50,697	81,377	97,162
Maine	1,718	5,344	4,027	16,287	5,450	20,294	11,808
Maryland	7,264	27,129	17,260	66,756	24,503	133,102	29,144
Massachusetts	16,288	35,068	29,870	59,743	2,932	102,423	36,592
Michigan	6,491	13,993	49,181	142,795	118,774	178,703	721,492
Minnesota	4,395	5,022	46,904	138,361	518,021	209,780	33,931
Mississippi	17,162	29,994	17,547	76,005	61,109	43,281	30,811
Missouri	80,539	13,761	33,883	284,680	191,202	110,610	74,263
Montana	3,424	1,875	1,990	12,404	146,189	12,999	8,798
Nebraska	2,140	6,509	6,375	56,335	453,315	32,434	18,293
Nevada	13,958	7,279	26,035	19,146	915	79,082	27,450
New Hampshire	1,957	4,736	4,859	13,410	377	32,399	12,496
New Jersey	12,244	146,039	49,160	100,134	4,138	158,025	61,575
New Mexico	1,844	7,797	3,180	23,820	15,759	34,052	21,759
New York	36,518	94,092	133,268	287,673	21,948	246,295	112,848
North Carolina	10,129	69,969	76,542	123,035	107,554	196,413	57,494
North Dakota	252	2,363	764	14,429	535,494	7,713	2,484
Ohio	26,600	21,722	29,316	166,749	195,901	211,897	101,716
Oklahoma	4,100	7,247	12,336	56,122	96,133	57,389	32,684
Oregon	54,206	16,941	21,532	48,923	25,576	55,211	37,608
Pennsylvania	13,303	40,731