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How Much Car Insurance Costs in Each State AP Photo/Carlos Osorio
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. Michigan — $2,878

2. Louisiana — $2,389

3. Florida — $2,239

4. Texas — $2,050

5. California — $1,968

6. Georgia — $1,936

7. Washington D.C. — $1,928

8. Rhode Island — $1,918

9. South Carolina — $1,759

10. Delaware — $1,757

11. Colorado — $1,741

12. Montana — $1,693

13. Connecticut — $1,688

14. Wyoming — $1,684

15. Kentucky — $1,621

16. Arkansas — $1,620

17. Mississippi — $1,580

18. Nevada — $1,570

19. New Jersey — $1,558

20. Arizona — $1,557

21. New Mexico — $1,479

22. Oklahoma — $1,468

23. Maryland — $1,467

24. Minnesota — $1,453

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25. West Virginia — $1,451

26. Alabama — $1,449

27. Illinois — $1,434

28. Kansas — $1,432

29. Washington — $1,426

30. Missouri — $1,411

31. South Dakota — $1,394

32. Nebraska — $1,365

33. North Carolina — $1,359

34. Tennessee — $1,357

35. Alaska — $1,337

36. Oregon — $1,327

37. New York — $1,320

38. Utah — $1,300

39. Hawaii — $1,295

40. Vermont — $1,294

41. Massachusetts — $1,275

42. Pennsylvania — $1,270

43. Virginia — $1,270

44. North Dakota — $1,229

45. Indiana — $1,213

46. Iowa — $1,123

47. Idaho — $1,062

48. Wisconsin — $1,049

49. Ohio — $1,034

50. New Hampshire — $985

51. Maine — $912

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Now, if you were wondering how Insure exactly got these numbers, they provided some insight into their methodology.

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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.

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. The hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Actual rates will depend on individual driver factors.

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We averaged rates in each state for the cheapest-to-insure 2020 model-year versions of America’s 20 best-selling vehicles as of Jan. 2020 and ranked each state by that average. Rates are for comparative purposes only within the same model year.

This apples-to-apples comparison is different than other research, such as the rate comparison conducted by the National Association of Insurance Commissioners (NAIC). The NAIC’s numbers display the average amount that state residents spend for auto insurance, regardless of the type of car they insure or amount of coverage they purchase.

This post was originally published in November 19, 2018.

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