{
  "meta": {
    "slug": "car-repossession-rates",
    "title": "How High Are Car Repossession Rates in 2026?",
    "canonical_url": "https://americandefault.org/guides/car-repossession-rates/",
    "last_updated": "2026-07-06",
    "source": "Machine-first publishing P1 guide package rail",
    "downloads": {
      "json": "https://americandefault.org/api/guides/car-repossession-rates.json",
      "csv": "https://americandefault.org/api/downloads/guides/car-repossession-rates.csv",
      "bibtex": "https://americandefault.org/citations/car-repossession-rates.bib",
      "ris": "https://americandefault.org/citations/car-repossession-rates.ris",
      "llms_markdown": "https://pdf.americandefault.org/for-llms/car-repossession-rates.md"
    },
    "methodology": {
      "updated": "2026-07-06",
      "summary": "This guide treats serious auto-loan delinquency as the public quarterly proxy for repossession pressure because no official national repossession-rate series exists. The state table uses New York Fed Consumer Credit Panel and Equifax state borrower delinquency data. Cox Automotive estimates are included as an externally cited annual repossession count.",
      "source_notes": [
        "National trend: New York Fed Household Debt and Credit Report auto-loan serious delinquency series.",
        "State table: New York Fed Consumer Credit Panel and Equifax state borrower delinquency data.",
        "Repossession count: Cox Automotive CAMIO estimate, cited as an external annual source."
      ]
    },
    "correction_log": {
      "last_reviewed": "2026-07-06",
      "entries": []
    }
  },
  "datasets": [
    {
      "id": "auto_loan_serious_delinquency",
      "kind": "indicator_series",
      "label": "The Repo Line",
      "source": "Federal Reserve Bank of New York Household Debt and Credit Report",
      "source_path": "data/indicators/door1_debt/auto_loan_delinquency.json",
      "unit": "percent",
      "rows": [
        {
          "geography": "United States",
          "date": "2003-03-31",
          "value": 2.33
        },
        {
          "geography": "United States",
          "date": "2003-06-30",
          "value": 2.26
        },
        {
          "geography": "United States",
          "date": "2003-09-30",
          "value": 2.16
        },
        {
          "geography": "United States",
          "date": "2003-12-31",
          "value": 2.16
        },
        {
          "geography": "United States",
          "date": "2004-03-31",
          "value": 2.32
        },
        {
          "geography": "United States",
          "date": "2004-06-30",
          "value": 2.17
        },
        {
          "geography": "United States",
          "date": "2004-09-30",
          "value": 2.27
        },
        {
          "geography": "United States",
          "date": "2004-12-31",
          "value": 2.42
        },
        {
          "geography": "United States",
          "date": "2005-03-31",
          "value": 2.38
        },
        {
          "geography": "United States",
          "date": "2005-06-30",
          "value": 1.99
        },
        {
          "geography": "United States",
          "date": "2005-09-30",
          "value": 2.03
        },
        {
          "geography": "United States",
          "date": "2005-12-31",
          "value": 2.09
        },
        {
          "geography": "United States",
          "date": "2006-03-31",
          "value": 2.15
        },
        {
          "geography": "United States",
          "date": "2006-06-30",
          "value": 2.22
        },
        {
          "geography": "United States",
          "date": "2006-09-30",
          "value": 2.58
        },
        {
          "geography": "United States",
          "date": "2006-12-31",
          "value": 2.62
        },
        {
          "geography": "United States",
          "date": "2007-03-31",
          "value": 2.59
        },
        {
          "geography": "United States",
          "date": "2007-06-30",
          "value": 2.54
        },
        {
          "geography": "United States",
          "date": "2007-09-30",
          "value": 2.76
        },
        {
          "geography": "United States",
          "date": "2007-12-31",
          "value": 3.05
        },
        {
          "geography": "United States",
          "date": "2008-03-31",
          "value": 3.22
        },
        {
          "geography": "United States",
          "date": "2008-06-30",
          "value": 3.26
        },
        {
          "geography": "United States",
          "date": "2008-09-30",
          "value": 3.64
        },
        {
          "geography": "United States",
          "date": "2008-12-31",
          "value": 3.94
        },
        {
          "geography": "United States",
          "date": "2009-03-31",
          "value": 4.35
        },
        {
          "geography": "United States",
          "date": "2009-06-30",
          "value": 4.47
        },
        {
          "geography": "United States",
          "date": "2009-09-30",
          "value": 4.68
        },
        {
          "geography": "United States",
          "date": "2009-12-31",
          "value": 4.92
        },
        {
          "geography": "United States",
          "date": "2010-03-31",
          "value": 5.01
        },
        {
          "geography": "United States",
          "date": "2010-06-30",
          "value": 4.84
        },
        {
          "geography": "United States",
          "date": "2010-09-30",
          "value": 4.83
        },
        {
          "geography": "United States",
          "date": "2010-12-31",
          "value": 5.27
        },
        {
          "geography": "United States",
          "date": "2011-03-31",
          "value": 5.09
        },
        {
          "geography": "United States",
          "date": "2011-06-30",
          "value": 4.99
        },
        {
          "geography": "United States",
          "date": "2011-09-30",
          "value": 5.03
        },
        {
          "geography": "United States",
          "date": "2011-12-31",
          "value": 4.82
        },
        {
          "geography": "United States",
          "date": "2012-03-31",
          "value": 4.55
        },
        {
          "geography": "United States",
          "date": "2012-06-30",
          "value": 4.24
        },
        {
          "geography": "United States",
          "date": "2012-09-30",
          "value": 4.25
        },
        {
          "geography": "United States",
          "date": "2012-12-31",
          "value": 4.03
        },
        {
          "geography": "United States",
          "date": "2013-03-31",
          "value": 3.92
        },
        {
          "geography": "United States",
          "date": "2013-06-30",
          "value": 3.57
        },
        {
          "geography": "United States",
          "date": "2013-09-30",
          "value": 3.37
        },
        {
          "geography": "United States",
          "date": "2013-12-31",
          "value": 3.35
        },
        {
          "geography": "United States",
          "date": "2014-03-31",
          "value": 3.32
        },
        {
          "geography": "United States",
          "date": "2014-06-30",
          "value": 3.27
        },
        {
          "geography": "United States",
          "date": "2014-09-30",
          "value": 3.14
        },
        {
          "geography": "United States",
          "date": "2014-12-31",
          "value": 3.47
        },
        {
          "geography": "United States",
          "date": "2015-03-31",
          "value": 3.34
        },
        {
          "geography": "United States",
          "date": "2015-06-30",
          "value": 3.36
        },
        {
          "geography": "United States",
          "date": "2015-09-30",
          "value": 3.36
        },
        {
          "geography": "United States",
          "date": "2015-12-31",
          "value": 3.37
        },
        {
          "geography": "United States",
          "date": "2016-03-31",
          "value": 3.52
        },
        {
          "geography": "United States",
          "date": "2016-06-30",
          "value": 3.46
        },
        {
          "geography": "United States",
          "date": "2016-09-30",
          "value": 3.58
        },
        {
          "geography": "United States",
          "date": "2016-12-31",
          "value": 3.75
        },
        {
          "geography": "United States",
          "date": "2017-03-31",
          "value": 3.82
        },
        {
          "geography": "United States",
          "date": "2017-06-30",
          "value": 3.92
        },
        {
          "geography": "United States",
          "date": "2017-09-30",
          "value": 3.97
        },
        {
          "geography": "United States",
          "date": "2017-12-31",
          "value": 4.05
        },
        {
          "geography": "United States",
          "date": "2018-03-31",
          "value": 4.26
        },
        {
          "geography": "United States",
          "date": "2018-06-30",
          "value": 4.17
        },
        {
          "geography": "United States",
          "date": "2018-09-30",
          "value": 4.27
        },
        {
          "geography": "United States",
          "date": "2018-12-31",
          "value": 4.47
        },
        {
          "geography": "United States",
          "date": "2019-03-31",
          "value": 4.69
        },
        {
          "geography": "United States",
          "date": "2019-06-30",
          "value": 4.64
        },
        {
          "geography": "United States",
          "date": "2019-09-30",
          "value": 4.71
        },
        {
          "geography": "United States",
          "date": "2019-12-31",
          "value": 4.94
        },
        {
          "geography": "United States",
          "date": "2020-03-31",
          "value": 5.05
        },
        {
          "geography": "United States",
          "date": "2020-06-30",
          "value": 5.03
        },
        {
          "geography": "United States",
          "date": "2020-09-30",
          "value": 4.82
        },
        {
          "geography": "United States",
          "date": "2020-12-31",
          "value": 4.77
        },
        {
          "geography": "United States",
          "date": "2021-03-31",
          "value": 4.79
        },
        {
          "geography": "United States",
          "date": "2021-06-30",
          "value": 4.35
        },
        {
          "geography": "United States",
          "date": "2021-09-30",
          "value": 4.05
        },
        {
          "geography": "United States",
          "date": "2021-12-31",
          "value": 3.98
        },
        {
          "geography": "United States",
          "date": "2022-03-31",
          "value": 4
        },
        {
          "geography": "United States",
          "date": "2022-06-30",
          "value": 3.86
        },
        {
          "geography": "United States",
          "date": "2022-09-30",
          "value": 3.89
        },
        {
          "geography": "United States",
          "date": "2022-12-31",
          "value": 3.73
        },
        {
          "geography": "United States",
          "date": "2023-03-31",
          "value": 3.89
        },
        {
          "geography": "United States",
          "date": "2023-06-30",
          "value": 3.82
        },
        {
          "geography": "United States",
          "date": "2023-09-30",
          "value": 3.91
        },
        {
          "geography": "United States",
          "date": "2023-12-31",
          "value": 4.17
        },
        {
          "geography": "United States",
          "date": "2024-03-31",
          "value": 4.41
        },
        {
          "geography": "United States",
          "date": "2024-06-30",
          "value": 4.43
        },
        {
          "geography": "United States",
          "date": "2024-09-30",
          "value": 4.586374695863747
        },
        {
          "geography": "United States",
          "date": "2024-12-31",
          "value": 4.83
        },
        {
          "geography": "United States",
          "date": "2025-03-31",
          "value": 4.986601705237515
        },
        {
          "geography": "United States",
          "date": "2025-06-30",
          "value": 4.990936555891238
        },
        {
          "geography": "United States",
          "date": "2025-09-30",
          "value": 5.02
        },
        {
          "geography": "United States",
          "date": "2025-12-31",
          "value": 5.20755848830234
        },
        {
          "geography": "United States",
          "date": "2026-03-31",
          "value": 5.6
        }
      ]
    },
    {
      "id": "state_auto_loan_delinquency",
      "kind": "state_auto_delinquency",
      "label": "State auto-loan delinquency",
      "source": "Federal Reserve Bank of New York Consumer Credit Panel and Equifax",
      "source_path": "data/state_consumer_debt.json",
      "unit": "percent",
      "rows": [
        {
          "geography": "Alabama",
          "geography_abbr": "AL",
          "date": "2019",
          "value": 6.59
        },
        {
          "geography": "Alabama",
          "geography_abbr": "AL",
          "date": "2025",
          "value": 6.55
        },
        {
          "geography": "Alaska",
          "geography_abbr": "AK",
          "date": "2019",
          "value": 2.53
        },
        {
          "geography": "Alaska",
          "geography_abbr": "AK",
          "date": "2025",
          "value": 2.94
        },
        {
          "geography": "Arizona",
          "geography_abbr": "AZ",
          "date": "2019",
          "value": 5.22
        },
        {
          "geography": "Arizona",
          "geography_abbr": "AZ",
          "date": "2025",
          "value": 5.56
        },
        {
          "geography": "Arkansas",
          "geography_abbr": "AR",
          "date": "2019",
          "value": 5.47
        },
        {
          "geography": "Arkansas",
          "geography_abbr": "AR",
          "date": "2025",
          "value": 5.61
        },
        {
          "geography": "California",
          "geography_abbr": "CA",
          "date": "2019",
          "value": 4.89
        },
        {
          "geography": "California",
          "geography_abbr": "CA",
          "date": "2025",
          "value": 4.84
        },
        {
          "geography": "Colorado",
          "geography_abbr": "CO",
          "date": "2019",
          "value": 3.41
        },
        {
          "geography": "Colorado",
          "geography_abbr": "CO",
          "date": "2025",
          "value": 4.01
        },
        {
          "geography": "Connecticut",
          "geography_abbr": "CT",
          "date": "2019",
          "value": 3.14
        },
        {
          "geography": "Connecticut",
          "geography_abbr": "CT",
          "date": "2025",
          "value": 3.06
        },
        {
          "geography": "Delaware",
          "geography_abbr": "DE",
          "date": "2019",
          "value": 5.51
        },
        {
          "geography": "Delaware",
          "geography_abbr": "DE",
          "date": "2025",
          "value": 6.12
        },
        {
          "geography": "District of Columbia",
          "geography_abbr": "DC",
          "date": "2019",
          "value": 9.79
        },
        {
          "geography": "District of Columbia",
          "geography_abbr": "DC",
          "date": "2025",
          "value": 13.58
        },
        {
          "geography": "Florida",
          "geography_abbr": "FL",
          "date": "2019",
          "value": 5.82
        },
        {
          "geography": "Florida",
          "geography_abbr": "FL",
          "date": "2025",
          "value": 5.53
        },
        {
          "geography": "Georgia",
          "geography_abbr": "GA",
          "date": "2019",
          "value": 6.32
        },
        {
          "geography": "Georgia",
          "geography_abbr": "GA",
          "date": "2025",
          "value": 6.99
        },
        {
          "geography": "Hawaii",
          "geography_abbr": "HI",
          "date": "2019",
          "value": 4.09
        },
        {
          "geography": "Hawaii",
          "geography_abbr": "HI",
          "date": "2025",
          "value": 3.67
        },
        {
          "geography": "Idaho",
          "geography_abbr": "ID",
          "date": "2019",
          "value": 2.88
        },
        {
          "geography": "Idaho",
          "geography_abbr": "ID",
          "date": "2025",
          "value": 3.27
        },
        {
          "geography": "Illinois",
          "geography_abbr": "IL",
          "date": "2019",
          "value": 4.51
        },
        {
          "geography": "Illinois",
          "geography_abbr": "IL",
          "date": "2025",
          "value": 5.59
        },
        {
          "geography": "Indiana",
          "geography_abbr": "IN",
          "date": "2019",
          "value": 5.2
        },
        {
          "geography": "Indiana",
          "geography_abbr": "IN",
          "date": "2025",
          "value": 6.26
        },
        {
          "geography": "Iowa",
          "geography_abbr": "IA",
          "date": "2019",
          "value": 2.89
        },
        {
          "geography": "Iowa",
          "geography_abbr": "IA",
          "date": "2025",
          "value": 3.53
        },
        {
          "geography": "Kansas",
          "geography_abbr": "KS",
          "date": "2019",
          "value": 3.4
        },
        {
          "geography": "Kansas",
          "geography_abbr": "KS",
          "date": "2025",
          "value": 4.04
        },
        {
          "geography": "Kentucky",
          "geography_abbr": "KY",
          "date": "2019",
          "value": 5
        },
        {
          "geography": "Kentucky",
          "geography_abbr": "KY",
          "date": "2025",
          "value": 4.92
        },
        {
          "geography": "Louisiana",
          "geography_abbr": "LA",
          "date": "2019",
          "value": 6.94
        },
        {
          "geography": "Louisiana",
          "geography_abbr": "LA",
          "date": "2025",
          "value": 6.55
        },
        {
          "geography": "Maine",
          "geography_abbr": "ME",
          "date": "2019",
          "value": 3.14
        },
        {
          "geography": "Maine",
          "geography_abbr": "ME",
          "date": "2025",
          "value": 3.09
        },
        {
          "geography": "Maryland",
          "geography_abbr": "MD",
          "date": "2019",
          "value": 5.11
        },
        {
          "geography": "Maryland",
          "geography_abbr": "MD",
          "date": "2025",
          "value": 6
        },
        {
          "geography": "Massachusetts",
          "geography_abbr": "MA",
          "date": "2019",
          "value": 2.79
        },
        {
          "geography": "Massachusetts",
          "geography_abbr": "MA",
          "date": "2025",
          "value": 2.59
        },
        {
          "geography": "Michigan",
          "geography_abbr": "MI",
          "date": "2019",
          "value": 5.34
        },
        {
          "geography": "Michigan",
          "geography_abbr": "MI",
          "date": "2025",
          "value": 6.25
        },
        {
          "geography": "Minnesota",
          "geography_abbr": "MN",
          "date": "2019",
          "value": 2.26
        },
        {
          "geography": "Minnesota",
          "geography_abbr": "MN",
          "date": "2025",
          "value": 3.03
        },
        {
          "geography": "Mississippi",
          "geography_abbr": "MS",
          "date": "2019",
          "value": 7.49
        },
        {
          "geography": "Mississippi",
          "geography_abbr": "MS",
          "date": "2025",
          "value": 7.68
        },
        {
          "geography": "Missouri",
          "geography_abbr": "MO",
          "date": "2019",
          "value": 4.79
        },
        {
          "geography": "Missouri",
          "geography_abbr": "MO",
          "date": "2025",
          "value": 5.55
        },
        {
          "geography": "Montana",
          "geography_abbr": "MT",
          "date": "2019",
          "value": 3.97
        },
        {
          "geography": "Montana",
          "geography_abbr": "MT",
          "date": "2025",
          "value": 4.02
        },
        {
          "geography": "Nebraska",
          "geography_abbr": "NE",
          "date": "2019",
          "value": 2.81
        },
        {
          "geography": "Nebraska",
          "geography_abbr": "NE",
          "date": "2025",
          "value": 3.25
        },
        {
          "geography": "Nevada",
          "geography_abbr": "NV",
          "date": "2019",
          "value": 5.83
        },
        {
          "geography": "Nevada",
          "geography_abbr": "NV",
          "date": "2025",
          "value": 6.16
        },
        {
          "geography": "New Hampshire",
          "geography_abbr": "NH",
          "date": "2019",
          "value": 2.89
        },
        {
          "geography": "New Hampshire",
          "geography_abbr": "NH",
          "date": "2025",
          "value": 3.02
        },
        {
          "geography": "New Jersey",
          "geography_abbr": "NJ",
          "date": "2019",
          "value": 3.94
        },
        {
          "geography": "New Jersey",
          "geography_abbr": "NJ",
          "date": "2025",
          "value": 4.23
        },
        {
          "geography": "New Mexico",
          "geography_abbr": "NM",
          "date": "2019",
          "value": 6.36
        },
        {
          "geography": "New Mexico",
          "geography_abbr": "NM",
          "date": "2025",
          "value": 6.07
        },
        {
          "geography": "New York",
          "geography_abbr": "NY",
          "date": "2019",
          "value": 4.09
        },
        {
          "geography": "New York",
          "geography_abbr": "NY",
          "date": "2025",
          "value": 4.27
        },
        {
          "geography": "North Carolina",
          "geography_abbr": "NC",
          "date": "2019",
          "value": 5.71
        },
        {
          "geography": "North Carolina",
          "geography_abbr": "NC",
          "date": "2025",
          "value": 6.06
        },
        {
          "geography": "North Dakota",
          "geography_abbr": "ND",
          "date": "2019",
          "value": 2.86
        },
        {
          "geography": "North Dakota",
          "geography_abbr": "ND",
          "date": "2025",
          "value": 2.92
        },
        {
          "geography": "Ohio",
          "geography_abbr": "OH",
          "date": "2019",
          "value": 4.56
        },
        {
          "geography": "Ohio",
          "geography_abbr": "OH",
          "date": "2025",
          "value": 5.34
        },
        {
          "geography": "Oklahoma",
          "geography_abbr": "OK",
          "date": "2019",
          "value": 5.6
        },
        {
          "geography": "Oklahoma",
          "geography_abbr": "OK",
          "date": "2025",
          "value": 5.48
        },
        {
          "geography": "Oregon",
          "geography_abbr": "OR",
          "date": "2019",
          "value": 2.61
        },
        {
          "geography": "Oregon",
          "geography_abbr": "OR",
          "date": "2025",
          "value": 3.59
        },
        {
          "geography": "Pennsylvania",
          "geography_abbr": "PA",
          "date": "2019",
          "value": 4.37
        },
        {
          "geography": "Pennsylvania",
          "geography_abbr": "PA",
          "date": "2025",
          "value": 4.79
        },
        {
          "geography": "Rhode Island",
          "geography_abbr": "RI",
          "date": "2019",
          "value": 3.1
        },
        {
          "geography": "Rhode Island",
          "geography_abbr": "RI",
          "date": "2025",
          "value": 3.54
        },
        {
          "geography": "South Carolina",
          "geography_abbr": "SC",
          "date": "2019",
          "value": 6.4
        },
        {
          "geography": "South Carolina",
          "geography_abbr": "SC",
          "date": "2025",
          "value": 6.18
        },
        {
          "geography": "South Dakota",
          "geography_abbr": "SD",
          "date": "2019",
          "value": 3.42
        },
        {
          "geography": "South Dakota",
          "geography_abbr": "SD",
          "date": "2025",
          "value": 3.65
        },
        {
          "geography": "Tennessee",
          "geography_abbr": "TN",
          "date": "2019",
          "value": 4.83
        },
        {
          "geography": "Tennessee",
          "geography_abbr": "TN",
          "date": "2025",
          "value": 5.69
        },
        {
          "geography": "Texas",
          "geography_abbr": "TX",
          "date": "2019",
          "value": 5.83
        },
        {
          "geography": "Texas",
          "geography_abbr": "TX",
          "date": "2025",
          "value": 5.76
        },
        {
          "geography": "Utah",
          "geography_abbr": "UT",
          "date": "2019",
          "value": 2.57
        },
        {
          "geography": "Utah",
          "geography_abbr": "UT",
          "date": "2025",
          "value": 2.95
        },
        {
          "geography": "Vermont",
          "geography_abbr": "VT",
          "date": "2019",
          "value": 3.21
        },
        {
          "geography": "Vermont",
          "geography_abbr": "VT",
          "date": "2025",
          "value": 2.84
        },
        {
          "geography": "Virginia",
          "geography_abbr": "VA",
          "date": "2019",
          "value": 3.93
        },
        {
          "geography": "Virginia",
          "geography_abbr": "VA",
          "date": "2025",
          "value": 4.64
        },
        {
          "geography": "Washington",
          "geography_abbr": "WA",
          "date": "2019",
          "value": 2.56
        },
        {
          "geography": "Washington",
          "geography_abbr": "WA",
          "date": "2025",
          "value": 3.78
        },
        {
          "geography": "West Virginia",
          "geography_abbr": "WV",
          "date": "2019",
          "value": 5.41
        },
        {
          "geography": "West Virginia",
          "geography_abbr": "WV",
          "date": "2025",
          "value": 5.27
        },
        {
          "geography": "Wisconsin",
          "geography_abbr": "WI",
          "date": "2019",
          "value": 2.71
        },
        {
          "geography": "Wisconsin",
          "geography_abbr": "WI",
          "date": "2025",
          "value": 3.64
        },
        {
          "geography": "Wyoming",
          "geography_abbr": "WY",
          "date": "2019",
          "value": 3.73
        },
        {
          "geography": "Wyoming",
          "geography_abbr": "WY",
          "date": "2025",
          "value": 3.49
        }
      ]
    },
    {
      "id": "estimated_vehicle_repossessions",
      "kind": "external_reference",
      "label": "Cox Automotive CAMIO estimated repossessions and defaults",
      "source": "Cox Automotive CAMIO estimated repossessions and defaults",
      "source_path": "https://www.coxautoinc.com/wp-content/uploads/2025/03/2025-CAMIO-estimated-repos-and-defaults.xlsx",
      "unit": "external reference",
      "rows": [
        {
          "geography": "United States",
          "geography_abbr": "",
          "date": null,
          "value": null,
          "reference_url": "https://www.coxautoinc.com/wp-content/uploads/2025/03/2025-CAMIO-estimated-repos-and-defaults.xlsx"
        }
      ]
    }
  ],
  "references": [
    {
      "name": "Federal Reserve Bank of New York Household Debt and Credit Report",
      "url": "https://www.newyorkfed.org/microeconomics/hhdc"
    },
    {
      "name": "Federal Reserve Bank of New York Consumer Credit Panel and Equifax",
      "url": "https://www.newyorkfed.org/microeconomics/databank.html"
    },
    {
      "name": "Cox Automotive CAMIO estimated repossessions and defaults",
      "url": "https://www.coxautoinc.com/wp-content/uploads/2025/03/2025-CAMIO-estimated-repos-and-defaults.xlsx"
    }
  ]
}