The UtiliSave Overpayment Index™
The first national measurement of commercial utility billing error rates — by state. $14 billion overpaid annually. Find your state's score.
A UOI score of 64 means one thing: you're almost certainly overpaying.
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.
Tariff Complexity
States with more rate schedules, riders, special programs and deregulated supply layers create more billing surface area — and typically more errors.
Market Deregulation
In deregulated states, competitive suppliers add capacity tags, reconciliations and line items that regulated markets don't have — multiplying error opportunities.
Energy Price Level
Higher-priced states often have more complex billing structures — demand tiers, time-of-use rates, environmental riders — each a potential opportunity for misapplication.
Click any state to see its UOI score and estimated overpayment.
Source: EIA Commercial Electricity & Gas Data 2024 · UtiliSave Audit Calibration Model · Tariff Complexity Analysis
All States Ranked
| 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.
Transparent methodology. Independent inputs. One number you can act on.
EIA Spend Data
Total commercial utility expenditure by state from the EIA Electric Power Monthly and State Energy Data System, 2024.
Tariff Complexity Score
Proprietary scoring of utility tariff schedule density, rate rider count, and special program availability per state — scored 1–10.
UtiliSave Audit Data
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
Published Research
Industry analysis consistently shows 2–15% of commercial utility spend is overpaid due to undetected billing errors annually. The UOI aligns with this range.
Your state has a score. Your building has a number.
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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