Free Car Insurance Comparison

Compare Quotes from Top Companies and Save

What state has the highest car insurance rates?

adobestock_77995519-1600x1600
Here's what you need to know...
  • Where you live can have a dramatic impact on your car insurance premiums
  • District of Columbia is known for having extraordinarily high car insurance rates
  • States that are more affluent tend to have higher car insurance because consumers tend to buy new vehicles more often

Which states have the highest auto insurance rates? Although the statistics vary year to year, the same ones tend to show up in the top six slots each time to include District of Columbia, Florida, Louisiana, Massachusetts, New Jersey, and New York.

There are several reasons why the same states keep competing for the highest car insurance ranking and the exact opposite reasons are usually why other states tend to fall in the least expensive category each year.

However, there are ways to reduce the premiums and make your rates a little more affordable. Enter your zip code above and start the money saving process with a free car insurance comparison now!

High Car Insurance States

United-States-map-78275004-1600x1600

According to the National Association of Insurance Commissioners 2009 report, the states that ranked highest for car insurance in 2007 are District of Columbia, New Jersey, Louisiana, New York, Florida, Rhode Island, Delaware, Nevada, Massachusetts, and Connecticut.

The annual average expenditure for the District of Columbia in 2007 was $1,140, followed by New Jersey’s $1,104. Connecticut closed the top ten ranking with an annual spending of $964 for car insurance.

The reason some states are higher than others is based on a variety of factors. Typically, the states that are more affluent tend to have higher car insurance because consumers tend to buy new vehicles more often.

In addition, congested metropolitan areas have a higher insurance rate because more traffic means an increased risk for accidents. Anytime there is a statistical citation for increased auto accidents, the car insurance rates will be higher for everyone in the area.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

Reducing Car Insurance Premiums

People who live in the District of Columbia will automatically be subjected to high car insurance premiums. However, there are ways to reduce your premium. Before you buy a car, call your agent and ask which vehicle models are less expensive to insure.

The type of car you buy can make a huge difference in the cost of your insurance. If your car does not come equipped with safety features, consider installing them aftermarket to reduce your premium.

Make sure your vehicle to meet minimum state requirements, but be sure to add enough coverage to be adequately insured as well.

Depending on the age and model of your car, you may or may not need optional comprehensive and collision insurance. You may also be able to reduce your premium by raising your deductible if you can safely afford to do so.

Be sure to take advantage of all discounts offered by your insurance company, such as defensive driving discounts, good student discounts, and multiple policy discounts

Lowest Car Insurance States

adobestock_78983431-1600x1600

Just as there are states with the highest car insurance rates, some states are also known for having the lowest car insurance states. States that have lower car insurance are usually smaller in population density and also tend to be less wealthy overall.

The ten least expensive states for 2007 car insurance, according to the National Associate of Insurance Commissioners, is North Dakota, Iowa, South Dakota, Nebraska, Idaho, Kansas, Wisconsin, North Carolina, Maine, and Indiana.

Indiana ranks number ten with an average annual expenditure of $618 for car insurance, while North Dakota came in first place for the least expensive state with an annual average cost of $512.

Indiana ranks number ten with an average annual expenditure of $618 for car insurance, while North Dakota came in first place for the least expensive state with an annual average cost of $512.

Most people do not move to certain states because of car insurance rates, but it helps to know what the average rates are so you can compare your own premium for analysis.

If you live in a state where car insurance is at an all-time high, try comparing rates with a third party rate quote tools like the one on this page to see what your best options are. Get started by entering your zip code below!

Copyright © 2016 · All Rights Reserved · Car Insurance Comparison · Terms & Conditions · About Us · Privacy Policy · Contact Us · Site Map · Resources