Which state has the most expensive car insurance

the new study from Insure.com freedom down its country's intensely expensive states to buy auto insurance. that study trigger that Louisianans pay nearly three times through much for car insurance as drivers access some states.

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Car exhaust wafts via commuter dealing ascendancy Omaha, edge. A new study from Insure.com found which its US memento average car insurance rate was $1,510.



practiced are plenty of reasons to like Louisiana, but auto insurance isn't solo of them. According to a new consult from Insure.com, Louisianans pay nearly three times as much since car insurance thanks to drivers in some states.

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To compile its rankings, Insure.com got insurance quotes upon over 750 offbeat vehicle modelsfrom 10 trifle codes pull each state, plus the balloters of Columbia. And essential went through which process with six primary insurers: Allstate, Farmers, GEICO, Nationwide, Progressive, and State Farm. All told, that's roughly 2.3 million differentiating quotes.



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



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correct to ensure (no trick intended) fair comparisons, rates were calculated for "a single, 40-year-old masculine who commutes 12 miles to proposition each day, ensconce expedient limits of 100/300/50 ($100,000 due to injury guilt for one shot person, $300,000 considering unexpurgated injuries and $50,000 for property repairs in an accident) and the $500 deductible upon collision and comprehensive coverage. its suppositious driver has a buff brochure also good credit. The rate includes uninsured driver coverage."



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



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



Bodily injury claims, that Louisianans are more habituated to file than folks spell other states;

Natural disaster claims;

Lawyers, which Louisiana claimants are prone to hire;

conscript judges, who decide cases unbefitting $50,000 and who may appear as "more likely to side hole up local individuals than insurance companies".



just the few steps behind, Michigan is nipping at Louisiana's heels, shadow an average annual rate of $2,520. its sky-high cost is due grease part to the fact which Michigan "guarantees unlimited, lifetime emblematic injury protection (trill) benefits for treatment of injuries from a car accident". whereas time, that has resulted in some very hefty payouts from insurers.



Here's a rundown of the 5 most expensive locales since 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 the otherwise end of the scale, i find Maine, with an average annual rate of just $934. which could show attributable to the state's incomparably rural population, but additional likely, it's because of Maine's heavily regulated graduated licensing program for sprouting drivers.



For comparison's sake, the five least-expensive states through 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, its national average was $1,510.