Which state has the most expensive car insurance

the new study from Insure.com breaks down its country's most expensive states to comply auto insurance. that study found that Louisianans pay nearly 3 times thanks to extremely for car insurance owing to drivers agency some states.

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Car deplete wafts around commuter traffic magnetism Omaha, Neb. a afresh deal with from Insure.com enter on that the US daily average car insurance rate was $1,510.



professional are plenty of reasons to love Louisiana, though auto insurance isn't one of them. According to a new study from Insure.com, Louisianans pay nearly 3 times through much now car insurance as drivers clout some states.

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To compile the rankings, Insure.com got insurance quotes upon over 750 different vehicle modelsfrom 10 nonexistence codes in each state, plus the District of Columbia. And it went seeing that dash ensconce six fundamental insurers: Allstate, Farmers, GEICO, Nationwide, Progressive, and State Farm. All told, that's almost 2.3 million individualistic quotes.



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



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congruous to ensure (no pun intended) fair comparisons, rates were calculated for "a single, 40-year-old male who commutes 12 miles to work each day, smuggle meaning boundary of 100/300/50 ($100,000 over injury liability for one person, $300,000 for unbroken injuries and $50,000 due to hard cash damage guidance an accident) and a $500 deductible upon collision besides comprehensive coverage. The hypothetical driver has the clean record and true accuse. the rate includes uninsured motorist coverage."



When outright its calculations had been completed, Louisiana go ahead itself in the unenviable #1 spot, curtain an normal almanac rate of $2,699.



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



bodily damage claims, that Louisianans are more inclined to file than kinsfolk pull other states;

Natural catastrophe claims;

Lawyers, which Louisiana claimants are addicted to hire;

elected judges, who decide cases under $50,000 besides who may stage "more likely to side disguise local individuals than insurance companies".



Just a few steps behind, Michigan is nipping at Louisiana's heels, with an average annual rate of $2,520. The sky-high cost is felicitous in part to its fact which Michigan "guarantees unlimited, lifetime personal damage protection (pip) benefits thanks to treatment of injuries from a car accident". Over time, that has resulted in some very hefty payouts from insurers.



Here's a rundown of its five most expensive locales for 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 its other produce of its scale, we find Maine, stifle an normal review rate of desired $934. that could be attributable to the state's largely rural population, though fresh likely, it's since of Maine's heavily regulated graduated licensing program since visculent drivers.



due to comparison's sake, the five least-expensive states for insurance are:



47. new Hampshire - $1,112

48. Ohio - $1,106

48. North Carolina - $1,085

50. Iowa - $1,028

51. Maine - $934



clout this regular study, its national normal was $1,510.