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driving on michigan highway AP Photo/Carlos Osorio

News flash for all you soon-to-be first-time owners out there: Owning a car is not cheap.

Of all the costs associated with being a car owner, car insurance premiums are one of the most important things to consider before purchasing a vehicle, especially since they can vary so much state-to-state.

Finding an affordable car insurance quote can do wonders for your peace of mind. Fortunately, thanks to a study conducted by Insure, we have an idea of how much car insurance costs in each state.

Without further ado, here’s that handy list, with Washington D.C. thrown in for good measure.

1. Louisiana – $2,839

2. Michigan – $2,112

3. Florida – $2,082

4. California – $1,966

5. Missouri – $1,895

6. Washington D.C. – $1,881

7. Rhode Island – $1,801

8. Wyoming – $1,768

9. Texas – $1,710

10. Georgia – $1,705

11. Montana – $1,627

12. Connecticut – $1,580

13. South Dakota – $1,575

14. Colorado – $1,574

15. Arkansas – $1,462

16. Kansas – $1,454

17. Delaware – $1,443

18. Arizona – $1,417

19. Maryland – $1,410

20. South Carolina – $1,409

21. Minnesota – $1,407

22. Oklahoma – $1,393

23. New Mexico – $1,391

24. Nebraska – $1,383

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25. Nevada – $1,380

26. Mississippi – $1,378

27. Alabama – $1,358

28. North Carolina – $1,326

29. Kentucky – $1,321

30. New Jersey – $1,319

31. Massachusetts – $1,314

32. West Virginia – $1,299

33. Washington – $1,298

34. Hawaii – $1,254

35. Utah – $1,250

36. North Dakota – $1,234

37. Oregon – $1,229

38. Tennessee – $1,206

39. Illinois – $1,205

40. Indiana – $1,189

41. Alaska – $1,175

42. New York – $1,163

43. Vermont – $1,151

44. Virginia – $1,033

45. Iowa – $1,032

46. Pennsylvania – $1,028

47. Ohio – $992

48. Idaho – $985

49. Wisconsin – $938

50. New Hampshire – $885

51. Maine – $858

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Now, if you were wondering how Insure exactly got these numbers and how the numbers changed from 2020 to 2021, they provided some insight into their methodology.

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Per Insure:

The top three most expensive states stayed the same for the third year in a row, with Michigan and Louisiana switching spots and Florida finishing in third place. California moved up a spot to finish fourth this year. Missouri jumped up 25 spots to round out the top five most expensive states for auto insurance.

While Missouri moved into the big leagues this year, there is a $944 difference between the Show Me state and first place Louisiana. The reason these states come with sky-high premiums varies; everything from unique insurance schemes, high-density populations, tons of uninsured drivers and costly lawsuits will always push up premiums.

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When it comes to low-priced states, the top two stayed the same, with Maine being the cheapest state in the country for auto insurance and New Hampshire coming in a close second. Wisconsin moved up one spot to third while Idaho and Ohio filled out the top five.

In Maine, the average premium is $858, which is 40% less than the national average. In a bit of an anomaly, the average premium dropped from last year in the top five least expensive states, which may indicate that the coronavirus drove down insurance prices last year as drivers stayed at home.

As the numbers clearly show, the difference between states can be huge. Louisiana drivers are paying $1,981 more on average than drivers in Maine. The national average this year came in at $1,428, which is a decrease of 6% from last year. In fact, rates dropped in almost every state (it rose or stayed the same in nine states), which illustrates how dramatically COVID-19 impacted car insurance rates.

This post was originally published in November 19, 2018.

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