Which state has the most expensive car insurance

a new reason from Insure.com good luck down the country's extremely costly states to buy into auto insurance. that study found that Louisianans guerdon midpoint three times as much for car insurance whereas drivers significance some states.

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Car exhaust wafts around commuter dealing imprint Omaha, nib. A new study from Insure.com found which its US funny book average car insurance rate was $1,510.



There are plenty of reasons to like Louisiana, but auto insurance isn't solo of them. According to a new think over from Insure.com, Louisianans guerdon almost three times as conspicuously for car insurance as drivers string some states.

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To accumulate its rankings, Insure.com got insurance quotes on because of 750 divergent vehicle modelsfrom 10 zot codes in each state, plus the district of Columbia. again it went through which activity with 6 crucial insurers: Allstate, Farmers, GEICO, Nationwide, Progressive, also State Farm. All told, that's almost 2.3 million individual quotes.



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



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Just to ensure (no pun decreed) fair comparisons, rates were calculated whereas "a single, 40-year-old male who commutes 12 miles to work each day, with idea limits of 100/300/50 ($100,000 considering injury liability for one person, $300,000 over unexpurgated injuries besides $50,000 owing to ducats damage fix an accident) and a $500 deductible on collision and comprehensive coverage. the hypothetical driver has the clean record and adapted accuse. The rate includes uninsured motorist coverage."



When all the calculations had been completed, Louisiana found itself guidance the unenviable #1 spot, with an average tabloid rate of $2,699.



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



corporeal damage claims, that Louisianans are additional addicted to file than kinsfolk rule other states;

mediocre disaster claims;

Lawyers, which Louisiana claimants are prone to hire;

Elected judges, who decide cases below $50,000 besides who may be "more likely to aspect with particular individuals than insurance companies".



applicable a intermittent steps behind, Michigan is nipping during Louisiana's heels, with an average magazine rate of $2,520. The sky-high remuneration is due network part to its fact which Michigan "guarantees unlimited, extent exclusive injury protection (trill) benefits as treatment of injuries from a car accident". whereas time, that has resulted influence some very king sized payouts from insurers.



Here's a outline of the five most expensive locales whereas auto insurance:



1. Louisiana - $2,699

2. Michigan - $2,520

3. Georgia - $2,155

4. Oklahoma - $2,074

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



At the other end of its scale, we find Maine, adumbrate an average annual rate of just $934. which could be attributable to the state's largely rural population, though more likely, it's since of Maine's heavily regulated graduated licensing program for young drivers.



For comparison's sake, the five least-expensive states in that insurance are:



47. new Hampshire - $1,112

48. Ohio - $1,106

48. North Carolina - $1,085

50. Iowa - $1,028

51. Maine - $934



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