A recent study by Insure.com listed the average auto insurance premiums by state. Once again Michigan tops the list at an average premium of $2239, 64% more than the national average. Rounding out the most expensive states are Louisiana, Florida, Rhode Island and Connecticut. The least expensive state is Vermont followed by Ohio, Idaho, Virginia and Iowa.
The study was conducted using a 40 year old male with good credit and a clean driving record searching for full coverage. Six carriers (GEICO, State Farm, Farmers, Allstate, Progressive and Nationwide) were sampled in 10 zip codes per state. The study used average rates from the 20 top selling vehicles in the first half of 2018.
Many factors affect auto insurance premiums. Location makes a big difference, as carriers have data to back up which locations are more accident prone. Some locations are affected by weather, be it blizzards or hurricanes. Some states have laws that require more coverage. For instance Michigan has a no-fault insurance system that drives rates up. Other factors affecting rates include gender (women are safer drivers), type of car, and obviously credit and driving history.
Here is the full list starting with the most expensive states.