Insure.com’s 2012 study of average car insurance rates across the country reveals that
Other expensive states are
The rankings are based on Insure.com’s 2012 car insurance comparison study, which also includes average premiums for more than 900 models.
Premiums in any state can be affected by a variety of unfortunate factors, such as:
• Having a significant portion of uninsured drivers. Such drivers cause crashes for which they can’t pay.
• A state’s insurance laws.
• The level of competition among carriers.
• Severe weather that produced above-average claims in the last year.
The most expensive states
The highest-premium states in this year’s survey have their own particular trouble spots:
• Louisiana: Auto insurance claims in
• Oklahoma: Oklahoma’s state animal is the massive bison, which could be an appropriate symbol for the state’s giant auto premiums as well. Roadways full of uninsured drivers and storm losses have resulted in high costs.
• Michigan: The state’s unusual no-fault insurance system guarantees unlimited, lifetime medical benefits to car accident victims. Victims’ insurance carriers pay the first
“Many of these problems are outside the control of drivers,” said
The rates shown below are for comparative purposes and are an average of premiums in each state for all 900-plus vehicles in Insure.com’s 2012 survey. Your own rates will depend on your personal factors and the model you drive.
4. West Virginia:
5. Washington, D.C.:
7. Rhode Island:
15. New Jersey:
22. North Dakota:
23. New York:
32. South Dakota:
35. New Mexico:
43. New Hampshire:
44. South Carolina:
47. North Carolina:
For more about the states rankings, see the full article at http://www.insure.com/car-insurance/car-insurance-rates.html.
Insure.com commissioned Quadrant Information Services to provide auto insurance rates for more than 900 car models from six large carriers (
We then averaged rates for all vehicles in each state to create the rankings of affordable car insurance.
Rates are based on insurance for a single, 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 (