Twitter: Insure
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. Michigan — $2,239
2. Louisiana — $2,126
3. Florida — $2,050
4. Rhode Island — $1,852
5. Connecticut — $1,831
6. Washington DC — $1,827
7. California — $1,731
8. Georgia — $1,668
9. Delaware — $1,646
10. Texas — $1,589
11. Colorado — $1,547
12. Wyoming — $1,544
13. Oklahoma — $1,531
14. Kentucky — $1,525
15. Arkansas — $1,503
16. Nevada — $1,485
17. Montana — $1,446
18. Maryland — $1,439
19. Mississippi — $1,410
20. West Virginia — $1,408
21. New Jersey — $1,383
22. New York — $1,361
23. Arizona — $1,355
24. New Mexico — $1,352
25. Kansas — $1,332
26. South Carolina — $1,327
27. Washington — $1,309
28. Missouri — $1,256
29. Oregon — $1,250
30. Alabama — $1,235
31. Hawaii — $1,229
32. Illinois — $1,223
33. Minnesota — $1,215
34. Nebraska — $1,214
35. South Dakota — $1,213
36. Tennessee — $1,211
37. Alaska — $1,200
38. Maine — $1,176
38. Massachusetts — $1,176
40. Utah — $1,131
41. Pennsylvania — $1,130
42. North Carolina — $1,104
43. Indiana — $1,091
44. North Dakota — $1,086
45. Wisconsin — $1,084
47. New Hampshire — $1,039
47. Iowa — $1,025
48. Virginia — $1,013
49. Idaho — $989
50. Ohio — $944
51. Vermont — $932
Read More: Safe drivers’ Fears About Autonomous, Car Accident-Preventing Safety Features Are Coming True
Now, if you were wondering how Insure exactly got these numbers, they provided some brief insight into their methodology.
Per Insure:
Insure.com commissioned Quadrant Information Services to calculate auto insurance rates from six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm) in 10 ZIP codes per state.
We averaged rates in each state for the cheapest-to-insure 2018 model-year versions of America’s 20 best-selling vehicles and ranked each state by that average.
Rates are based on full coverage for a single, 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.
A brief breakdown of this list turned up some important findings. For one, the national average for insurance costs in 2018 is $1,365. Also, Michigan came in hot as the state with the most expensive car insurance for the fifth year in a row.
Apparently, being home to “The Motor City” (shout out Detroit) doesn’t always come with its perks.
