General Liability Insurance Loss Ratios by State: 2026
General liability is the largest commercial insurance line — $94.1B in 2023 premium. Nationally it runs a 60.2% loss ratio and a -0.3% underwriting loss — but loss ratios range from 29.5% in MT to 104.1% in NM, which is why GL rates vary so much by where you operate.
Source: NAIC 2023 Report on Profitability by Line by State (public regulator data). Loss ratio = incurred losses ÷ premiums earned; a higher loss ratio (and lower underwriting profit) means the line is less profitable for carriers in that state, which tends to push rates up.
General liability loss ratio by state — worst first
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| # | State | Loss ratio | Premiums earned | Underwriting profit |
|---|---|---|---|---|
| 1 | NM | 104.1% | $389.0M | -47.7% |
| 2 | DE | 103.1% | $729.7M | -40.7% |
| 3 | RI | 86.1% | $393.9M | -28.3% |
| 4 | TX | 77.2% | $9.8B | -18.4% |
| 5 | SC | 75.7% | $1.0B | -19.5% |
| 6 | AR | 74.3% | $711.0M | -7.0% |
| 7 | NV | 71.1% | $906.6M | -5.8% |
| 8 | CO | 69.9% | $2.3B | -10.1% |
| 9 | LA | 68.7% | $1.4B | -11.4% |
| 10 | NJ | 67.9% | $4.0B | -9.4% |
| 11 | GA | 67.7% | $3.1B | -7.9% |
| 12 | PA | 67.6% | $4.3B | -7.7% |
| 13 | CA | 67.0% | $15.7B | -10.5% |
| 14 | NY | 66.3% | $13.1B | -8.5% |
| 15 | FL | 66.2% | $7.4B | -12.5% |
| 16 | CT | 65.8% | $1.7B | -6.1% |
| 17 | KS | 65.8% | $721.9M | -4.8% |
| 18 | NE | 65.5% | $557.0M | 0.2% |
| 19 | MO | 65.2% | $1.7B | -3.2% |
| 20 | VT | 64.0% | $158.7M | -4.1% |
| 21 | WV | 64.0% | $277.0M | 1.2% |
| 22 | IL | 63.2% | $5.6B | -1.0% |
| 23 | WA | 62.8% | $2.2B | -2.5% |
| 24 | AZ | 62.1% | $1.8B | 0.4% |
| 25 | IA | 61.7% | $927.9M | 1.8% |
| 26 | TN | 61.5% | $1.8B | 1.0% |
| 27 | OR | 61.4% | $1.0B | -2.2% |
| 28 | AL | 61.1% | $1.1B | -2.6% |
| 29 | OK | 58.7% | $871.7M | 4.2% |
| 30 | MS | 58.4% | $503.5M | 3.9% |
| 31 | ND | 55.4% | $260.6M | 9.6% |
| 32 | KY | 55.0% | $764.6M | 7.0% |
| 33 | MN | 54.9% | $1.8B | 9.0% |
| 34 | HI | 54.7% | $444.9M | 3.1% |
| 35 | NH | 54.0% | $326.3M | 1.4% |
| 36 | IN | 53.4% | $1.5B | 10.6% |
| 37 | NC | 52.5% | $2.3B | 11.9% |
| 38 | WI | 52.3% | $1.6B | 13.3% |
| 39 | OH | 51.5% | $2.6B | 13.1% |
| 40 | ID | 51.2% | $396.3M | 12.2% |
| 41 | MD | 51.1% | $1.7B | 12.7% |
| 42 | SD | 50.5% | $204.3M | 11.8% |
| 43 | UT | 49.2% | $928.3M | 12.7% |
| 44 | ME | 46.9% | $273.8M | 15.8% |
| 45 | MA | 46.3% | $3.4B | 16.1% |
| 46 | AK | 44.8% | $211.4M | 15.6% |
| 47 | MI | 43.1% | $2.1B | 9.6% |
| 48 | VA | 42.6% | $2.3B | 24.2% |
| 49 | WY | 40.7% | $190.6M | 15.2% |
| 50 | DC | 39.7% | $721.0M | 19.4% |
| 51 | MT | 29.5% | $313.0M | 31.1% |
Loss ratio by state — charted
How general liability compares to other commercial lines
National 2023 loss ratio by line — general liability highlighted. Higher = less profitable for carriers.
| Commercial line | National loss ratio (2023) |
|---|---|
| Commercial Auto | 74.4% |
| Commercial Multiple Peril | 62.6% |
| Commercial General Liability ← this study | 60.2% |
| Medical Professional Liability | 57.6% |
| Product Liability | 49.3% |
| Commercial Property | 46.0% |
| Workers Compensation | 45.1% |
| Inland Marine | 45.0% |
Frequently asked questions
Methodology
Figures are from the NAIC 2023 Report on Profitability by Line by State — the National Association of Insurance Commissioners' public compilation of insurer financial results, for the Commercial General Liability line. Loss ratio is incurred losses divided by premiums earned; underwriting profit reflects the insurance result after expenses. We rank states worst-first by loss ratio. These are aggregate carrier economics, not a quote for any individual business.
Data Study #3 · Get Business Coverage. Aggregate NAIC industry results, not individual premiums. Compiled 2026 from public regulator data.