Find Out About Auto Insurance Rates By State
When you are looking into making comparisons for your car insurance, make sure that you compare auto insurance rates by state you reside in. Each state has different prices concerning their insurance coverage, and some states require totally different types of coverage.
The most expensive auto insurance rates by state is Louisiana. The average insurance premium paid in Louisiana is $2,510.87 per year. That is $412 dollars more than the next highest rates. The state ranking second in high insurance premiums is Michigan. In Michigan the average driver pays $2,098.29 every year to have auto insurance rates by state.
If you travel to Oklahoma your auto insurance rates by state will run you less than the two thousand dollar mark that Louisiana and Michigan hit, in Oklahoma the average yearly cost is $1,869.39. The savings is not all that grand, but it is getting better. You would at least be paying $641.00 less than the residents of Louisiana are paying.
Montana comes in at number four in the most expensive states to buy auto insurance rates by state. The average driver in the state of Montana will pay $1,857.96 per year for their premiums. Montana and Oklahoma were almost tied for third place in this competition.
Placing fifth and sixth in the highest auto insurance rates by state prices are the beautiful states of California and South Dakota. California has the higher ranking here, with the average being $1,774.41, but you folks from South Dakota do not need to get the big head because California is not charging a full $2 more than you are. In South Dakota the average driver pays a yearly amount of $1,772.83 in vehicle coverage.
If you want to consider moving somewhere that has really good prices on their auto insurance rates you need to pack up and head for Maine. Maine has an average price of only $902.85. That is a wonderful difference from most all other states. Maine can boast of having fewer people in their town, and fewer people mean fewer accidents, and of course fewer lawsuits and insurance claims.
It is not just the population numbers that creates the fewer claims and lawsuits though. The average resident of Maine is a very proud person, and they view lawsuits as inappropriate, unless the accident was severely tragic. If you do not think that Maine is the right place for you, you can give Vermont and Ohio a try. Both of these states are only slightly higher than Maine on their yearly average costs of auto insurance rates by state.
The biggest factor that decides how much you pay auto insurance rates by state you live in is the average number of claims that are filed in that state every year. People who live in larger states that are more densely populated are going to automatically have higher premium rates than those people in smaller states. You have to take everything into consideration when you consider auto insurance rates by state, because population density, and peoples propensity for filing a claim or a lawsuit, reflect on the numbers of auto insurance rates by state that everyone has to live with.