Which state has the most expensive car insurance

A afresh take up from Insure.com befalling down its country's most costly states to accede auto insurance. That study found which Louisianans pay nearly three times in that most for car insurance through drivers supremacy some states.

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Car exhaust wafts around commuter traffic in Omaha, Neb. the new study from Insure.com found which the US annual average car insurance rate was $1,510.



professional are plenty of reasons to flip over Louisiana, but auto insurance isn't one of them. According to a new regard from Insure.com, Louisianans pay nearly three times as strikingly for car insurance as drivers string some states.

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To compile its rankings, Insure.com got insurance quotes on over 750 unlike vehicle modelsfrom 10 ZIP codes in each state, plus the district of Columbia. again bodily went as that process with six major insurers: Allstate, Farmers, GEICO, Nationwide, Progressive, and State Farm. All told, that's roughly 2.3 million original quotes.

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



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Just to guard (no pun intended) amenable comparisons, rates were calculated for "a single, 40-year-old male who commutes 12 miles to work any day, with policy limits of 100/300/50 ($100,000 owing to injury liability for one person, $300,000 due to all injuries and $50,000 through riches repairs in an accident) again the $500 deductible on accident and absolute coverage. its hypothetical driver has the clean register and adapted credit. the rate includes uninsured motorist coverage."



When faultless the calculations had been completed, Louisiana lead itself grease the unenviable #1 spot, with an average annual rate of $2,699.



According to Insure.com, a number of costly factors helped intervention Louisiana over the top, including:



Bodily injury claims, which Louisianans are more prone to cortege than folks in unlike states;

INSERT Natural catastrophe claims;

Lawyers, which Louisiana claimants are prone to hire;

elected judges, who decide cases beneath $50,000 and who may be "more likely to side with inbred people than insurance companies".



fitting a few steps behind, Michigan is nipping at Louisiana's heels, blot out an normal statement rate of $2,520. The sky-high fee is due in part to its fact that Michigan "guarantees unlimited, lifetime personal injury protection (PIP) benefits considering treatment of injuries from the car accident". Over time, which has resulted in some surpassingly hefty payouts from insurers.



Here's a outline of its 5 most expensive locales in that auto insurance:



1. Louisiana - $2,699

2. Michigan - $2,520

3. Georgia - $2,155

4. Oklahoma - $2,074

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



At the contradistinct follow through of the scale, we find Maine, ditch an average reminder rate of useful $934. that could serve attributable to its state's extremely rural population, but more likely, it's because of Maine's heavily regulated graduated licensing disposal thanks to burgeoning drivers.



For comparison's sake, its five least-expensive states for insurance are:



47. afresh Hampshire - $1,112

48. Ohio - $1,106

48. North Carolina - $1,085

50. Iowa - $1,028

51. Maine - $934



In this particular study, the at ease average was $1,510.