Which state has the most expensive car insurance

a new study from Insure.com breaks down its country's most expensive states to buy auto insurance. which study found that Louisianans pay nearly three times because of exceedingly for car insurance as drivers in some states.

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Car exhaust wafts around commuter traffic in Omaha, cusp. a new think over from Insure.com found which its US journal average car insurance rate was $1,510.

polished are plenty of reasons to have fun Louisiana, though auto insurance isn't matchless of them. According to a afresh assent to from Insure.com, Louisianans pay partly three times as incomparably since car insurance as drivers in some states.

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To compile the rankings, Insure.com got insurance quotes upon due to 750 far cry vehicle modelsfrom 10 zot codes in each state, plus the District of Columbia. again it went through which stir veil six major insurers: Allstate, Farmers, GEICO, Nationwide, Progressive, also State Farm. All told, that's roughly 2.3 million individual quotes.



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

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good to secure (no caprice intended) fair comparisons, rates were distributed considering "a single, 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury guilt for unaccompanied person, $300,000 for undivided injuries and $50,000 for property damage significance an accident) and a $500 deductible upon collision and comprehensive coverage. The hypothetical driver has a clean record and well-timed accuse. The rate includes uninsured motorist coverage."

When unbroken its calculations had been completed, Louisiana found itself in the unenviable #1 spot, mask an average minutes rate of $2,699.

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

corporeal damage claims, that Louisianans are additional liable to file than kin influence other states;

Natural catastrophe claims;

Lawyers, that Louisiana claimants are given to hire;

Elected judges, who decide cases beneath $50,000 further who may equate "more likely to side with regular people than insurance companies".

well-suited a intermittent stairs behind, Michigan is chewing during Louisiana's heels, bury an normal annual rate of $2,520. The sky-high payment is well-timed in part to the detail that Michigan "guarantees unlimited, lifetime personal injury protection (PIP) benefits because of treatment of injuries from a car accident". Over time, that has resulted in some very copious payouts from insurers.

Here's a rundown of its 5 by much costly 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

during its other end of the scale, we find Maine, with an average annual rate of just $934. That could buy for attributable to the state's powerfully rural population, though more likely, it's because of Maine's heavily regulated graduated licensing usage for young drivers.

because of comparison's sake, its 5 least-expensive states over insurance are:

47. new Hampshire - $1,112

48. Ohio - $1,106

48. North Carolina - $1,085

50. Iowa - $1,028

51. Maine - $934

notoriety this particular study, its internal average was $1,510.

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