Michigan Has The Most Expensive Car Insurance, Maine The Cheapest

Insure.com has released its annual automotive insurance study which reveals Michigan has won the dubious honor of being the most expensive state for car insurance for the fourth year in a row.

According to the results of the study, Michiganders typically pay a premium of $2,394 which is $1,076 more than the national average. Michigan drivers also pay $474 more for insurance than second-place Louisiana and Insure.com consumer analyst Penny Gusner chalks it up to the state’s no-fault insurance.

As Gusner explains “Michigan residents can blame their unique no-fault system for their high cost of auto insurance. It allows for unlimited medical benefits for injuries sustained in auto accidents and a lot of fraud arises – the result is exorbitant car insurance premiums for car owners.”

Rounding out the top five states with the most expensive car insurance are Connecticut ($1,897), Rhode Island ($1,848), and Florida ($1,840).

At the other end of the spectrum, Maine is a downright bargain as premiums average just $864. Other places with affordable insurance include Ohio ($919), Idaho ($942), Vermont ($948), and North Carolina ($1,010).

Rates vary because of a variety of different factors including “state legal systems, how the state is affected by natural disasters, crime rates, and the frequency and severity of claims.” Of course, your age and driving history also play a big factor in determining what you’ll have to pay.

To check to see where your state ranks, you can browse Insure’s interactive map here.

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  • pcurve

    Hrm. NJ is cheaper than Louisiana and Oklahoma? How is that even possible when even my neighbor’s dog leases a 320i?

    • John Smith

      Does your neighbor’s dog file a lot of claims?

  • SCUM BAG INSURANCE COMPANIES. YOU SEE ADS FROM THE GENERAL WHO SAY ANONYMOUS QUOTES FOR FREE YET THE FIRST THING THEY ASK IS FOR YOUR NAME ADDRESS AND SSI.

    • John Smith

      An anonymous insurance quote is quite pointless. When you actually want to start the policy, they will pull you driving record, accident record and credit score all of which will impact that “anonymous” quote.

      • TheHake

        You are missing the point. You just speak to some anonymous person at the insurance company…

      • TRUE, BUT IF YOUR SHOPPING AROUND FOR A BETTER PRICE GIVING PERSONAL INFO ISN’T NECESSARY. WHO KNOWS WHO THEY SHARE IT WITH. AFTER ALL THEY DO ADVERTISE. “FREE ANONYMOUS QUOTES”. I DIDN’T MEAN TO SINGLE OUT THE GENERAL THOUGH, THEY’RE ALL PRETTY SHAMELESS.

  • Six Thousand Times

    There are almost no cars in Wyoming and nothing to hit so what’s up with the costly insurance?

  • SteersUright

    Auto Insurance in Miami is just blatant robbery. There, I’ve said my piece…

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