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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% |
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
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