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Most and Least Expensive States for Car Insurance

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:

Select Your State to View Insurance Rates on Your Vehicle:
 
RankStatePremium
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





3 Steps Every Car Buyer Needs to Take to Save Maximum Money

The key to getting the best deal is to gather price or lease bids from as many local dealers as possible. Then shop that best price around until no one can beat it. Here are the steps:

Step 1 Get Prices From My Trusted Network

Select the vehicle you're interested in to see if there are local dealers in my network who will provide you with their best upfront price. You will get direct access to an internet sales manager who you can further negotiate with online (no need to visit dealership).
Select Vehicle to Get Local Pricing

Step 2 Get Prices From TrueCar / CarsDirect

TrueCar, and CarsDirect are my top 2 online price quote recommendations. These services show you pre-negotiated prices from dealers closest to you - and the deals are usually pretty decent. But remember, you can still negotiate further.

Step 3 Complete my Checklist

Follow this up with my checklist to make sure you squeeze out every last bit of savings.
- Gregg Fidan

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About The Author

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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