It might make sense for states with a high claim count to also have a high volume of premium to help pay for those claims. It follows that states with low incidents of claims also have lower premiums because they have fewer costs to cover. As you can see in the chart below, it works exactly that way. Texas and Virginia, for example, have low premiums and a correspondingly low number of claims. Conversely, Vermont has relatively higher premiums to go with their high number of claims.
There are, however, other considerations when determining the amount of premium charged. In states such as New York, which has a low level of claims but a high level of premium, the costs per claim tend to be higher than somewhere like Nevada or Oregon, which have high claims levels but lower premiums. Wage levels, typical legal fees per case, and average medical costs are all examples of factors that contribute to a nonlinear relationship between claims count and premium.