The most expensive car insurance rates are typically found in Louisiana, New Jersey, New York, Nevada, Florida, and Michigan. Prices are typically high in these states for a combination of factors that include high cost of vehicle repairs, larger number of uninsured drivers, larger percentage of younger drivers, and more accidents per resident.
Other factors can impact auto insurance prices including the incidence of natural disasters in that state, along with the type of weather. For instance, many Northeastern states have been battered with higher-than-expected snowfall totals, which has caused a spike in the number of reported accidents.
As demographics of states change, including the percentage of younger/older drivers on the road, prices can also change.
Other states that often have higher-than-average auto insurance prices include Delaware, Alaska, Maryland, Texas, and Connecticut.
States that often feature some of the cheapest rates include Iowa, Idaho, Wisconsin, North Dakota, Maine, Ohio, and South Dakota.
IMPORTANT NOTE: This question was answered by Ed Harris, one of the premier car insurance brokers in the US, with more than 34 years of experience helping consumers find the best auto insurance options.
One of his top-rated websites is Carinsurancezoom.org, which allows consumers to instantly view the companies that offer the cheapest prices in their zip code.