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Auto insurance cost, how high or low is your state?

Svnla

Svnla

Lifer
http://autos.yahoo.com/articles/aut...o-insurance-costs-where-does-your-state-rank/

At least, Louisiana is not on top of a bad list.

1. Michigan, $2,541
2. Louisiana, $2,453
3. Oklahoma, $2,197
4. Montana, $2,190
5. Washington, D.C., $2,146
6. California, $1,991
7. Mississippi, $1,896
8. New Mexico, $1,896
9. Arkansas, $1,836
10. Maryland, $1,807
11. North Dakota, $1,794
12. Connecticut, $1,786
13. Rhode Island, $1,747
14. Wyoming, $1,714
15. Hawaii, $1,707
16. South Dakota, $1,707
17. Georgia, $1,670
18. New Jersey, $1,663
19. West Virginia, $1,633
20. Kentucky, $1,629
21. New York, $1,627
22. Minnesota, $1,614
23. Washington, $1,584
24. Missouri, $1,563
25. Indiana, $1,518
26. Colorado, $1,508
27. Texas, $1,492
28. Delaware, $1,489
29. Florida, $1,476
30. Nebraska, $1,470
31. Pennsylvania, $1,468
32. Kansas, $1,461
33. Alaska, $1,454
34. New Hampshire, $1,334
35. Massachusetts, $1,328
36. Idaho, $1,325
37. Alabama, $1,306
38. Oregon, $1,306
39. Nevada, $1,300
40. Illinois, $1,290
41. Arizona, $1,280
42. Utah, $1,272
43. Virginia, $1,237
44. Iowa, $1,179
45. North Carolina, $1,154
46. Ohio, $1,152
47. Tennessee, $1,146
48. Wisconsin, $1,128
49. Maine, $1,126
50. South Carolina, $1,095
51. Vermont, $995
 
Kind of worthless analyst in my opinion, without explaining what "average auto policy" is...Not debating some of those areas might have high auto insurance rates, but you get other stuff thrown in to the mix as well how many drivers/cars/more comprehensive policies, how new of cars they drive in that area etc...A better analysis would of been to get quotes on certain demographics with a standard car.
 
rcpratt said:
FUCK YEAH MICHIGAN!

When I moved from Indiana back to Michigan, my rates literally tripled.
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I wonder why? This is suck.


EDIT: hmmm

The high rates are roughly correlated with the proportion of uninsured drivers in a state, often in violation of state law. Uninsured drivers still have accidents, and their liability and personal injury costs are passed on to the rest of the state's drivers through higher insurance rates. In Oklahoma, nearly one-quarter of drivers on the road are uninsured. Economically hard-hit Michigan had 17% of drivers with no insurance and Louisiana 12%. "It's an economic problem. They just can't afford the rates," says Marc Eagan, president-elect of the Independent Insurance Agents & Brokers of Louisiana.
Click to expand...
 
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51 states?

Edit: Ah, I see, DC is now a state. Well, only 6 more to 57!

You'd think the interstate commerce clause could be bastardized to equal out these rates in fairness to all.
 
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Michigan is high in large part because they don't allow insurers to use many of the common factors to predict whether a driver is going to have many or few claims. Since insurers can't use those and thus have no way to accurately bucket their insureds by risk, they've got no choice but to charge everyone more in order to not lose money.

I say just buy an old car and don't get comprehensive on it. That way your insurance is only $250 a year.
 
brianmanahan said:
Michigan is high in large part because they don't allow insurers to use many of the common factors to predict whether a driver is going to have many or few claims. Since insurers can't use those and thus have no way to accurately bucket their insureds by risk, they've got no choice but to charge everyone more in order to not lose money.

I say just buy an old car and don't get comprehensive on it. That way your insurance is only $250 a year.
Click to expand...

Also, doesn't MI have uncapped or $1M compulsory PIP? That's ridiculous.
 
In Sota here.

Had American Family but switched to AAA and nearly cut my premiums in half, along with getting roadside assist and other AAA benefits.

Saved a bunch on my homeowners ins premiums as well.
 
Living in Oklahoma the rates we pay don't seem as high as what is listed, but we are in our 40s and don't drive high dollar vehicles.
 
29. Florida, $1,476

I know I pay less than $1200 annually in Florida for 2 cars, 2 drivers, full coverage, $500 deductible.
 
34. NH
35. MA

This doesn't seem very accurate. Moving from MA to NH with the same cars, same company, and same coverage rates went from over 2k to just above 1k a year.

Many people register their cars in NH even if they live in MA around here because of the lower rates. The state has been cracking down on this for years.
 
allisolm said:
29. Florida, $1,476

I know I pay less than $1200 annually in Florida for 2 cars, 2 drivers, full coverage, $500 deductible.
Click to expand...


Really.....I live in GA, supposed to be #17 on the list. But we pay less than $1200 for full coverage on two vehicles, two drivers, $250 deductible. Of course, we're not around Atlanta, so that's probably one reason. Another is age....over 50 does have its advantages.
 
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