What are total loss thresholds for each state?

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Asked June 4, 2012

1 Answer


The total loss threshold is the point at which a vehicle is considered a total loss and the insurance company will pay out the actual cash value of the vehicle instead of repairing it. Total loss thresholds vary by state and are typically based on a percentage of the vehicle's actual cash value. Here are the total loss thresholds for each state:

  • Alabama: 75%
  • Alaska: 80%
  • Arizona: 66%
  • Arkansas: 70%
  • California: 65%
  • Colorado: 100%
  • Connecticut: 80%
  • Delaware: 80%
  • Florida: 80%
  • Georgia: 75%
  • Hawaii: 75%
  • Idaho: 80%
  • Illinois: 70%
  • Indiana: 70%
  • Iowa: 50%
  • Kansas: 75%
  • Kentucky: 75%
  • Louisiana: 75%
  • Maine: 100%
  • Maryland: 75%
  • Massachusetts: 75%
  • Michigan: 75%
  • Minnesota: 70%
  • Mississippi: 70%
  • Missouri: 80%
  • Montana: 80%
  • Nebraska: 75%
  • Nevada: 65%
  • New Hampshire: 75%
  • New Jersey: 80%
  • New Mexico: 70%
  • New York: 75%
  • North Carolina: 75%
  • North Dakota: 75%
  • Ohio: 70%
  • Oklahoma: 60%
  • Oregon: 80%
  • Pennsylvania: 75%
  • Rhode Island: 75%
  • South Carolina: 75%
  • South Dakota: 75%
  • Tennessee: 75%
  • Texas: 100%
  • Utah: 80%
  • Vermont: 75%
  • Virginia: 75%
  • Washington: 80%
  • West Virginia: 75%
  • Wisconsin: 70%
  • Wyoming: 75%
It's important to note that these percentages can change and can vary based on the circumstances of the accident and the insurance company's policies. It's always a good idea to check with your insurance company or state's department of insurance for the most up-to-date information on total loss thresholds.  

Answered June 4, 2012 by Anonymous

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