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Most Expensive Car Insurance - Web Exclusive

Consumers can get a clear picture of the hotspots for car insurance rates.

Apr 13, 2010

MOST EXPENSIVE STATES FOR CAR INSURANCE

A national survey of car insurance rates by insure.com reveals that Louisiana has the highest average rates in the nation, followed by Michigan, while Maine and Vermont can boast the lowest average rates.

Eurp_1004_01_o+most_expensive_car_insurance+map Photo 2/2   |   Most Expensive Car Insurance - Web Exclusive

The results came from a study that collected average auto insurance rates for more than 2400 vehicles based on ten zip codes per state, and rates from six large carriers, with averages calculated nationally and for each state.

Rates were based on a 40-year-old single male driver who commutes 12 miles to work. The sample policy had limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage per accident) and a $500 deductible on collision and comprehensive coverage. The policy included uninsured motorist coverage.

"Consumers can get a clear picture of the hotspots for car insurance rates," said Amy Danise of insure.com. "And our findings show that the financial ramifications of specific state laws and regulations are driving up rates in certain states."

Observations from insurance agents in these states reveal possible causes for the top and bottom states: In Louisiana, only cases with claims in excess of $50,000 receive a jury trial. Thus, many claims near that amount are settled out of court, leading to high accident settlements and insurance costs.

Michigan law gives unlimited medical benefits for the life of accident victims, which all drivers end up paying for.

In Maine, the cheapest state, commuter miles are low and state highways are not crowded, which helps reduce the number of crashes.

RankStateAverage Premium
1Louisiana$2,510.87
2Michigan$2,098.29
3Oklahoma$1,869.39
4Montana$1,857.96
5California$1,774.41
6South Dakota$1,772.83
7Washington, D.C.$1,753.19
8Georgia$1,751.42
9Illinois$1,679.15
10Connecticut$1,678.90
11Arkansas$1,648.80
12New Mexico$1,603.65
13Rhode Island$1,595.97
14West Virginia$1,589.69
15Alaska$1,572.21
16Wyoming$1,552.98
17Maryland$1,550.13
18Kansas$1,524.51
19Kentucky$1,515.30
20Colorado$1,480.97
21Mississippi$1,474.94
22New Jersey$1,473.73
23New York$1,463.21
24Texas$1,462.65
25Florida
National
$1,453.20
$1,429.26
26Pennsylvania$1,420.78
27Delaware$1,405.80
28Missouri$1,390.59
29Minnesota $1,381.09
30Alabama$1,380.38
31North Dakota$1,365.22
32Hawaii$1,306.97
33Indiana$1,302.51
34Nevada$1,282.50
35Washington$1,279.84
36Utah$1,234.30
37Virginia$1,233.36
38Nebraska$1,210.74
39Oregon$1,194.69
40Idaho$1,183.47
41South Carolina$1,182.18
42Tennessee $1,170.12
43Arizona$1,152.50
44North Carolina$1,130.45
45Massachusetts$1,043.80
46Iowa$1,039.04
47New Hampshire$1,011.23
48Wisconsin $1,010.93
49Ohio$999.86
50Vermont$968.58
51Maine$902.85

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