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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% |
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About The Author
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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