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According to a new survey by Insure.com, Louisiana drivers pay the highest insurance rates in the country - about $2,500 per year. Maine residents pay the least, averaging only $902 per year.
Many people don't consider the cost of ownership when they think about buying a car. As you can see for Louisiana residents, insurance can add up to more than $200 per month for each driver.
The reason for the large difference in premiums is mostly due to state laws and policies. For example, in Louisiana, claims exceeding $50,000 automatically receive a jury trial. Rather than incur the expense of a trial, many insurance companies simply settle out of court, which leads to higher settlements and thus higher premiums.
The main reason insurance rates are low in Maine is due to low commuter mileage, which makes the roads less crowded and the number of accidents fewer.
Here is the full ranking of states and the average annual premium:
| Rank | State | Premium |
| 1 | Louisiana | $2,510.87 |
| 2 | Michigan | $2,098.29 |
| 3 | Oklahoma | $1,869.39 |
| 4 | Montana | $1,857.96 |
| 5 | California | $1,774.41 |
| 6 | South Dakota | $1,772.83 |
| 7 | Washington, D.C. | $1,753.19 |
| 8 | Georgia | $1,751.42 |
| 9 | Illinois | $1,679.15 |
| 10 | Connecticut | $1,678.90 |
| 11 | Arkansas | $1,648.80 |
| 12 | New Mexico | $1,603.65 |
| 13 | Rhode Island | $1,595.97 |
| 14 | West Virginia | $1,589.69 |
| 15 | Alaska | $1,572.21 |
| 16 | Wyoming | $1,552.98 |
| 17 | Maryland | $1,550.13 |
| 18 | Kansas | $1,524.51 |
| 19 | Kentucky | $1,515.30 |
| 20 | Colorado | $1,480.97 |
| 21 | Mississippi | $1,474.94 |
| 22 | New Jersey | $1,473.73 |
| 23 | New York | $1,463.21 |
| 24 | Texas | $1,462.65 |
| 25 | Florida | $1,453.20 |
| 26 | Pennsylvania | $1,420.78 |
| 27 | Delaware | $1,405.80 |
| 28 | Missouri | $1,390.59 |
| 29 | Minnesota | $1,381.09 |
| 30 | Alabama | $1,380.38 |
| 31 | North Dakota | $1,365.22 |
| 32 | Hawaii | $1,306.97 |
| 33 | Indiana | $1,302.51 |
| 34 | Nevada | $1,282.50 |
| 35 | Washington | $1,279.84 |
| 36 | Utah | $1,234.30 |
| 37 | Virginia | $1,233.36 |
| 38 | Nebraska | $1,210.74 |
| 39 | Oregon | $1,194.69 |
| 40 | Idaho | $1,183.47 |
| 41 | South Carolina | $1,182.18 |
| 42 | Tennessee | $1,170.12 |
| 43 | Arizona | $1,152.50 |
| 44 | North Carolina | $1,130.45 |
| 45 | Massachusetts | $1,043.80 |
| 46 | Iowa | $1,039.04 |
| 47 | New Hampshire | $1,011.23 |
| 48 | Wisconsin | $1,010.93 |
| 49 | Ohio | $999.86 |
| 50 | Vermont | $968.58 |
| 51 | Maine | $902.85 |
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