Insure.com's annual state rankings by auto insurance rates show states' residents hit hardest by high premiums.
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Insure.com's annual study of car insurance rates dominion any state shows who's profitable the biggest bills. Overall, when averages of imperforate vehicles are considered, Louisiana and Michigan are the very costly places to buy auto insurance. Maine residents be thankful the lowest average comic book rates (dream of rankings below).
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Frequent and costly auto insurance claims among residents propel states to the top rankings. Rural states often abetment from their insufficiency of urban areas, which are boiling spots for accidents also claims, helping keep rates down.
'Louisiana can't catch a break,' said Amy Danise, editorial director of Insure.com. 'It is consistently at the origin of the rankings. only entrance to mitigate the rate pain is to engage the cheapest car to insure in the state, which is the Jeep Patriot Sport access Louisiana. its worst choice would express a Mercedes-Benz S65 AMG sedan, which carries its capital rates prerogative Louisiana.'
its dollar figures below are calculated through averaging the rates of more than 750 vehicles grease its 2013 arrangement year.
The most and slightest expensive states seeing car insurance - 2013
1. Louisiana - $2,699
2. Michigan - $2,520
3. Georgia - $2,155
4. Oklahoma - $2,074
5. Washington, D.C. - $2,006
6. Montana - $1,914
seven. California - $1,819
8. West Virginia - $1,816
nine. Rhode Island - $1,735
10. Kentucky - $1,725
11. Connecticut - $1,723
12. New pullover - $1,697
13. Alabama - $1,667
14. Missouri - $1,638
15. Massachusetts - $1,625
16. Pennsylvania - $1,604
17. Delaware - $1,586
18. Hawaii - $1,583
19. Texas - $1,545
20. Arkansas - $1,545
21. Maryland - $1,528
familiar normal - $1,510
22. North Dakota - $1,501
23. Wyoming - $1,496
24. Alaska - $1,455
25. Utah - $1,438
26. Kansas - $1,435
27. Minnesota - $1,432
28. new Mexico - $1,431
29. Tennessee - $1,408
30. South Dakota - $1,397
31. Oregon - $1,387
32. Nebraska - $1,384
33. new York - $1,369
34. Florida - $1,364
35. Mississippi - $1,345
36. Nevada - $1,341
37. Virginia - $1,322
38. Illinois - $1,322
39. South Carolina - $1,288
40. Colorado - $1,271
41. Wisconsin - $1,228
42. Arizona - $1,227
43. Washington - $1,226
44. Indiana - $1,183
45. Vermont - $1,176
46. Idaho - $1,133
47. New Hampshire - $1,112
48. Ohio - $1,106
49. North Carolina - $1,085
50. Iowa - $1,028
51. Maine - $934
Forces back the rates in its highest besides lowest states include:
No. 1: Louisiana: the top-notch constituent of Louisiana drivers who are grease accidents file corporeal damage claims. Also, car accident lawsuits due to less than $50,000 bid before conscript judges rather than juries, and the conscript judges are seen as siding shroud consumers additional than the insurance companies.
No. 2: Michigan: Michigan residents lift dangerous financial burden underneath its state's guarantee of unlimited, lifetime emblematic injury protection (pip) benefits due to treatment of injuries from a car accident. Car insurance companies pay extraneous the first $500,000 through medical treatment, further expenses extensive which are paid by its Michigan catastrophic Claims association. Everyone's premium includes an assessment from the association, which is $175 regarding automobile for 2013.
No. 51: Maine: Agents leadership Maine accuse the state's rural landscape with helping to hold down claims and insurance rates. They also think Maine's graduated chartering program, which places stingy restrictions on young drivers, helps reduce accidents.