States With the Highest Car Insurance Rates
August 9, 2012
Drivers in Michigan pay the highest auto insurance rates in the nation, an average of $4,490 - according to a new study from CarInsuranceQuotes.com. Other states with high car insurance rates include Louisiana, Kentucky, Mississippi and West Virginia.
At the bottom of the list, Massachusetts residents pay just $1,128 a year on average. The next-cheapest were North Carolina, Alaska, Hawaii and Iowa.
View the list below and see where your State ranks. Also, be sure to comparison shop your rates at least once per year to make sure you're not overpaying.
Compare Insurance Rates in Your State:
| Rank | State | Income | Insurance Cost | % of Income |
|---|---|---|---|---|
| 1 | Michigan | $56,101 | $4,490 | 8.00% |
| 2 | Louisiana | $52,456 | $2,912 | 5.55% |
| 3 | Kentucky | $50,392 | $2,292 | 4.55% |
| 4 | West Virginia | $48,927 | $2,074 | 4.24% |
| 5 | Mississippi | $45,484 | $1,840 | 4.05% |
| 6 | Arkansas | $47,049 | $1,722 | 3.66% |
| 7 | Delaware | $68,746 | $2,456 | 3.57% |
| 8 | New York | $65,897 | $2,334 | 3.54% |
| 9 | Nevada | $60,192 | $2,070 | 3.44% |
| 10 | Florida | $53,093 | $1,784 | 3.36% |
| 11 | District of Columbia | $77,514 | $2,570 | 3.32% |
| 12 | South Carolina | $51,704 | $1,682 | 3.25% |
| 13 | Rhode Island | $67,814 | $2,132 | 3.14% |
| 14 | Arizona | $55,353 | $1,724 | 3.12% |
| 15 | New Jersey | $82,427 | $2,556 | 3.10% |
| 16 | Oklahoma | $51,958 | $1,610 | 3.10% |
| 17 | Georgia | $55,209 | $1,632 | 2.96% |
| 18 | South Dakota | $59,987 | $1,772 | 2.95% |
| 19 | Pennsylvania | $61,890 | $1,828 | 2.95% |
| 20 | Alabama | $50,429 | $1,476 | 2.93% |
| 21 | Tennessee | $51,083 | $1,452 | 2.84% |
| 22 | Minnesota | $69,625 | $1,924 | 2.76% |
| 23 | Missouri | $56,214 | $1,550 | 2.76% |
| 24 | Illinois | $65,417 | $1,716 | 2.62% |
| 25 | New Mexico | $51,020 | $1,306 | 2.56% |
| 26 | Texas | $56,575 | $1,420 | 2.51% |
| 27 | Montana | $54,507 | $1,354 | 2.48% |
| 28 | Idaho | $52,342 | $1,290 | 2.47% |
| 29 | Connecticut | $81,246 | $1,984 | 2.44% |
| 30 | Maryland | $83,137 | $2,030 | 2.44% |
| 31 | Kansas | $61,013 | $1,480 | 2.43% |
| 32 | Colorado | $67,800 | $1,562 | 2.30% |
| 33 | Indiana | $55,368 | $1,268 | 2.29% |
| 34 | Wisconsin | $62,088 | $1,400 | 2.26% |
| 35 | Nebraska | $60,812 | $1,348 | 2.22% |
| 36 | Vermont | $62,575 | $1,380 | 2.21% |
| 37 | Washington | $67,328 | $1,458 | 2.17% |
| 38 | North Dakota | $65,207 | $1,384 | 2.12% |
| 39 | Wyoming | $65,841 | $1,394 | 2.12% |
| 40 | Utah | $61,618 | $1,270 | 2.06% |
| 41 | Ohio | $56,518 | $1,128 | 2.00% |
| 42 | Maine | $58,197 | $1,160 | 1.99% |
| 43 | Virginia | $72,476 | $1,444 | 1.99% |
| 44 | California | $65,481 | $1,304 | 1.99% |
| 45 | New Hampshire | $74,634 | $1,484 | 1.99% |
| 46 | Iowa | $60,917 | $1,202 | 1.97% |
| 47 | Oregon | $56,661 | $1,108 | 1.96% |
| 48 | Alaska | $76,962 | $1,348 | 1.75% |
| 49 | Hawaii | $76,134 | $1,244 | 1.63% |
| 50 | North Carolina | $52,920 | $860 | 1.63% |
| 51 | Massachusetts | $78,653 | $1,128 | 1.43% |
My Recommendation for Car Shoppers
TrueCar No-Haggle, Edmunds Price Promise, and 1-800 Car Show are the quickest way to see the lowest car prices in your area. These sites show you no-haggle prices from dealers closest to you - and the deals are usually really good. This should be the first step you take when negotiating your car price. Follow this up with my checklist to make sure you squeeze out every last bit of savings.California Residents - Important:
There is a new online car buying service called Roadster, available only to California residents, which I highly recommend you try - especially if you hate the stress of haggling with a car salesman. They provide an expert concierge who negotiates the price of the car and delivers it to your home with zero hassle - you never have to interact with a dealership. Here is my in-depth review of Roadster and why I recommend it.- Gregg Fidan
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About: Gregg Fidan
Gregg Fidan + is the founder of RealCarTips. After being ripped off on his first car purchase, he devoted several years to figuring out the best ways to avoid scams and negotiate the best car deals. He has written hundreds of articles on the subject of car buying and taught thousands of car shoppers how to get the best deals.
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