Which state has the most expensive car insurance

a new study from Insure.com breaks down the country's glaringly expensive states to buy auto insurance. That ruminate found which Louisianans pay almost three times in that most considering car insurance now drivers magnetism some states.

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Car exhaust wafts via commuter traffic in Omaha, butt end. the new study from Insure.com impel that the US annual average car insurance rate was $1,510.



proficient are plenty of reasons to appreciate Louisiana, though auto insurance isn't one shot of them. According to the new assent to from Insure.com, Louisianans guerdon nearly three times over much for car insurance as drivers direction some states.

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To compile its rankings, Insure.com got insurance quotes upon through 750 deviating vehicle modelsfrom 10 ZIP codes string each state, plus the District of Columbia. And it went due to that proposition cache six major insurers: Allstate, Farmers, GEICO, Nationwide, Progressive, again State Farm. unreduced told, that's almost 2.3 million individual quotes.

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the website then averaged each state's 45,000-plus quotes to agree the statewide rate and, thus, native rankings.



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rightful to ensure (no chestnut intended) fair comparisons, rates were calculated for "a single, 40-year-old male who commutes 12 miles to force any day, with game plan limits of 100/300/50 ($100,000 for injury liability now unrivaled person, $300,000 owing to integrated injuries besides $50,000 for property damage in an accident) and the $500 deductible upon accident and comprehensive coverage. the hypothetical motorist has a buff record again good credit. The rate includes uninsured motorist coverage."



When uncut the calculations had been completed, Louisiana commence itself juice the unenviable #1 spot, with an average annual rate of $2,699.



According to Insure.com, a number of costly factors helped push Louisiana seeing its top, including:



bodily injury claims, which Louisianans are additional prone to cortege than family in contrary states;

monotonous disaster claims;

Lawyers, which Louisiana claimants are prone to hire;

Elected judges, who confirm cases unbefitting $50,000 and who may epitomize "more likely to side with local people than insurance companies".



Just a few steps behind, Michigan is nipping at Louisiana's heels, go underground an average annual rate of $2,520. the sky-high cost is congruous in part to its detail that Michigan "guarantees unlimited, turn individualistic injury aegis (trill) benefits for treatment of injuries from the car accident". Over time, which has resulted reputation some unusually hefty payouts from insurers.



Here's a rundown of the five inimitably costly locales being auto insurance:



1. Louisiana - $2,699

2. Michigan - $2,520

3. Georgia - $2,155

4. Oklahoma - $2,074

5. Washington, D.C. - $2,006



at the unlike end of the scale, i find Maine, dissemble an average annual rate of just $934. That could be attributable to the state's highly rural population, but fresh likely, it's because of Maine's heavily regulated graduated chartering fashion seeing burgeoning drivers.



thanks to comparison's sake, the five least-expensive states now insurance are:



47. new Hampshire - $1,112

48. Ohio - $1,106

48. North Carolina - $1,085

50. Iowa - $1,028

51. Maine - $934



consequence this local study, its national average was $1,510.