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October 13, 2015

What Are The Top 10 Most Expensive States For Auto Insurance?

Map-car-iStock_000068200599_SmallAs anybody shopping for auto insurance knows, prices can change dramatically based on your location, and purchasing coverage in some states and cities can cost a lot more than other places.

This is because of the risk factors associated with a certain areas, such as the weather, geographical features, criminality rates (particularly auto theft), local road infrastructure, and last, federal laws and regulations imposed on the territory of a specific state.

For instance, in many Northern states, car insurance tends to be more expensive because of the weather conditions that can make driving unsafe. Especially congested cities can also cost more because the incidence of traffic accidents is higher, which explains why rates are especially high in New York City, Los Angeles, and Washington, D.C.

Car-money-iStock_000018554719_SmallA study published at shows the average price of a basic liability car insurance policy across the United States. We've listed the top ten most expensive states here, but you can visit their site to see the complete list and discover where your state falls.

1) Michigan: Drivers in the great glove pay the highest rates for car insurance in the nation – $2,476. This is the second year in a row Michigan drivers have topped the list of most expensive auto insurance rates by state; in fact, notes that the Great Lakes State has occupied either the number one or number two spot for the past five years.
2) Montana: Car insurance rates soar into the big sky in Montana, according to the study, which calculated an average premium of $1,886. Montana has the highest car accident fatality rate in the country (with more than double the national average), according to the Insurance Institute for Highway Safety, and has made the top 10 in previous years, but this is the first year it broke into the top three most expensive states.
3) Washington, D.C.: In most states insurance rates are highest in urban areas and lowest in small towns. The District of Columbia is one large, traffic-congested city, so rates are bound to be on the upper end. Average premium is $1,799.
4) Louisiana:  The average cost for auto insurance is $1,774.
5) Florida: The average cost for auto insurance is $1,742.
6) West Virginia: The average cost for auto insurance is $1,716.
7) Connecticut: The average cost for auto insurance is $1,690.
8) Rhode Island: The average cost for auto insurance is $1,656.
9) California: The average cost for auto insurance is $1,643.
10) New Jersey: The average cost for auto insurance is $1,595.


Map_keys-iStock_000003518682_SmallWhat are the cheapest states to insure a car? The difference between the most expensive and the least expensive states is about a thousand dollars, due mainly to their mostly rural roadways.

47) New Hampshire: The average cost for auto insurance is  $905
48) Iowa: The average cost for auto insurance is $886
49) Idaho: The average cost for auto insurance is $877. Idaho has the cheapest car insurance in the West because the largely rural state doesn't have big-city problems that can jack up car insurance rates. The average premium is less than half what you'd pay in Montana, according to the study,
50) Ohio: The average cost for auto insurance is $843. Ohio has consistently ranked as one of the least expensive states for car insurance since began conducting its annual state-by-state premium comparison.
51) Maine: The average cost for auto insurance is $805. This quiet, rural state doesn't have the problems that many other states battle, which helps keep rates down.

The study compiled rates from six large insurance carriers in 10 ZIP codes in every state. The coverage amount for which the premiums have been calculated is based on the minimum required by each state's legislation. The researched rates were for the same full-coverage policy for the same driver -- a 40-year-old man with a clean driving record and good credit who commutes 12 miles to work each day. Of course, actual rates will depend on individual driver factors.

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