The first national measurement of commercial utility billing error rates — by state. $14 billion overpaid annually. Find your state's score.
The UtiliSave Overpayment Index™ scores every U.S. state from 0–100 based on three evidence-based drivers of commercial utility billing errors. Higher scores mean higher probability — and higher magnitude — of recoverable overcharges on your bills right now.
States with more rate schedules, riders, special programs and deregulated supply layers create more billing surface area — and typically more errors.
In deregulated states, competitive suppliers add capacity tags, reconciliations and line items that regulated markets don’t have — multiplying error opportunities.
Higher-priced states often have more complex billing structures — demand tiers, time-of-use rates, environmental riders — each a potential opportunity for misapplication.
Source: EIA Commercial Electricity & Gas Data 2024 · UtiliSave Audit Calibration Model · Tariff Complexity Analysis
| State | UOI Score | Est. Error Rate | Recoverable/yr | Total Spend | Market | Tariff Complexity |
|---|---|---|---|---|---|---|
| New York | 64.3 | 9.5% | $15.1B | 🔓 Dereg. | 9.5/10 | |
| Massachusetts | 60.8 | 9.1% | $8.3B | 🔓 Dereg. | 8.6/10 | |
| Connecticut | 60.4 | 9.1% | $4.0B | 🔓 Dereg. | 8.8/10 | |
| District of Columbia | 59.8 | 9.0% | $2.6B | 🔓 Dereg. | 8.5/10 | |
| Rhode Island | 57 | 8.6% | $1.6B | 🔓 Dereg. | 8.1/10 | |
| California | 55.7 | 8.5% | $28.3B | 🔒 Reg. | 9.2/10 | |
| Hawaii | 54.2 | 8.3% | $1.6B | 🔒 Reg. | 7.5/10 | |
| New Jersey | 54 | 8.3% | $7.2B | 🔓 Dereg. | 8.4/10 | |
| Maryland | 52 | 8.0% | $4.5B | 🔓 Dereg. | 8/10 | |
| Illinois | 49.4 | 7.7% | $6.9B | 🔓 Dereg. | 8.2/10 | |
| Pennsylvania | 48.1 | 7.5% | $7.3B | 🔓 Dereg. | 7.8/10 | |
| New Hampshire | 47 | 7.4% | $1.4B | 🔓 Dereg. | 6.8/10 | |
| Michigan | 46.3 | 7.3% | $5.6B | 🔓 Dereg. | 7.5/10 | |
| Texas | 44.4 | 7.0% | $13.4B | 🔓 Dereg. | 7.8/10 | |
| Ohio | 44.2 | 7.0% | $6.3B | 🔓 Dereg. | 7.3/10 | |
| Maine | 43.3 | 6.9% | $1.3B | 🔓 Dereg. | 6.2/10 | |
| Virginia | 42.4 | 6.8% | $4.6B | 🔓 Dereg. | 7.2/10 | |
| Colorado | 41.8 | 6.7% | $3.7B | 🔓 Dereg. | 7/10 | |
| Delaware | 39.5 | 6.4% | $0.9B | 🔓 Dereg. | 6.5/10 | |
| Washington | 38.1 | 6.3% | $3.0B | 🔓 Dereg. | 6.5/10 | |
| Oregon | 36.5 | 6.1% | $2.1B | 🔓 Dereg. | 6.4/10 | |
| Wisconsin | 33.8 | 5.7% | $3.4B | 🔒 Reg. | 6.8/10 | |
| Minnesota | 32.6 | 5.6% | $3.5B | 🔒 Reg. | 6.8/10 | |
| Vermont | 32.3 | 5.5% | $0.7B | 🔒 Reg. | 5.8/10 | |
| Florida | 31.3 | 5.4% | $10.9B | 🔒 Reg. | 6.5/10 | |
| Nevada | 31.1 | 5.4% | $2.0B | 🔒 Reg. | 6.8/10 | |
| Alaska | 31.1 | 5.4% | $0.7B | 🔒 Reg. | 5.5/10 | |
| Arizona | 29.5 | 5.2% | $3.8B | 🔒 Reg. | 6.3/10 | |
| Georgia | 29.3 | 5.2% | $5.3B | 🔒 Reg. | 6.2/10 | |
| Indiana | 27.9 | 5.0% | $4.0B | 🔒 Reg. | 5.8/10 | |
| Tennessee | 27.3 | 4.9% | $3.9B | 🔒 Reg. | 5.8/10 | |
| Alabama | 26.8 | 4.8% | $3.3B | 🔒 Reg. | 5.5/10 | |
| North Carolina | 26.7 | 4.8% | $4.0B | 🔒 Reg. | 6/10 | |
| Louisiana | 26.3 | 4.8% | $2.8B | 🔒 Reg. | 5.8/10 | |
| Kentucky | 26.1 | 4.8% | $2.5B | 🔒 Reg. | 5.6/10 | |
| Montana | 26.1 | 4.8% | $0.7B | 🔓 Dereg. | 4.6/10 | |
| South Carolina | 25 | 4.6% | $2.7B | 🔒 Reg. | 5.5/10 | |
| Missouri | 24.3 | 4.5% | $2.8B | 🔒 Reg. | 5.7/10 | |
| Oklahoma | 23.3 | 4.4% | $1.9B | 🔒 Reg. | 5.5/10 | |
| Utah | 23.2 | 4.4% | $1.6B | 🔒 Reg. | 5.5/10 | |
| Kansas | 23 | 4.4% | $1.8B | 🔒 Reg. | 5.3/10 | |
| Mississippi | 22.9 | 4.4% | $1.7B | 🔒 Reg. | 5/10 | |
| New Mexico | 22.6 | 4.3% | $1.2B | 🔒 Reg. | 5.3/10 | |
| West Virginia | 22.5 | 4.3% | $1.0B | 🔒 Reg. | 5.2/10 | |
| Arkansas | 22.2 | 4.3% | $1.6B | 🔒 Reg. | 5.2/10 | |
| Iowa | 21.8 | 4.2% | $1.7B | 🔒 Reg. | 5.2/10 | |
| Idaho | 20 | 4.0% | $0.9B | 🔒 Reg. | 4.8/10 | |
| Nebraska | 20 | 4.0% | $1.2B | 🔒 Reg. | 5/10 | |
| South Dakota | 20 | 4.0% | $0.6B | 🔒 Reg. | 4.5/10 | |
| North Dakota | 20 | 4.0% | $0.5B | 🔒 Reg. | 4.5/10 | |
| Wyoming | 20 | 4.0% | $0.5B | 🔒 Reg. | 4.5/10 |
Estimates based on EIA 2024 commercial electricity and natural gas expenditure data. These are meant to be broad demonstrations. Actual recoverable amounts confirmed only through a free forensic audit, the results of which may be higher or lower than indicated by the state score displayed.
Total commercial utility expenditure by state from the EIA Electric Power Monthly and State Energy Data System, 2024.
Proprietary scoring of utility tariff schedule density, rate rider count, and special program availability per state — scored 1–10.
The experience of 35+ years and closed-case audit data of 16,000+ buildings support the ranges of results depicted. Still, actual results for individual customers may vary significantly
Industry analysis consistently shows 2–15% of commercial utility spend is overpaid due to undetected billing errors annually. The UOI aligns with this range.
The index gives you the probability. The free audit gives you the exact dollar amount — with zero risk and zero cost until we recover.
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