High and Low Car Insurance Rates by State

Average Car Insurance Rates by State


Which states pay the most for auto insurance?

Which states pay the most for auto insurance?

It does help to shop around for car insurance rates. Some insurers offer better plans for certain types of drivers and families of drivers. But there is one factor that might impact your bill that you cannot do much about. This is the simple matter of where you park your car in the evening.

Insurers set rates by state and even by ZIP code, and most people do not plan to move just to lower their premiums. Factors you can control include:

  • The type of car you own or lease and how much you drive
  • Your driving history, including accidents, tickets and convictions
  • The insurer you choose to do business with
  • Your credit history
  • Insurers also consider age, but you can control that less than you can control where you live.


Average Highs and Lows for Car Insurance Rates


  • The U.S. National average estimate: About $1,500
  • Maine auto insurance premium average: About $900
  • Louisiana auto insurance premium average: About $2,700
  • Update: In 2014, Michigan got the top spot and Ohio got the 51st spot.

You can see more states listed in this updated article for 2014 about the Average Cost of Car Insurance by State on BestRatesUS.com.

You might be interested to note that some people who live in their RVs full-time do sometimes choose their home states because of the cost of covering their vehicles, but they have an unusual situation. Look below for an interesting chart of average car insurance prices by state.

Why does state or ZIP code impact average auto insurance rates?


  • Claims, natural hazards, thefts: Obviously, states and cities where drivers tend to make more claims get labeled as risky.
  • Costs of vehicle repairs: The cost of living might impact rates.
  • Number of Uninsured Drivers: Everybody else pays for uninsured drivers.
  • Competition : More insurers operating in an area generally keeps prices lower.
  • State regulations governing drivers and vehicle owners : For example, some states have higher minimum liability insurance requirements than others.

How were results comparing high and low average rates accumulated?

Insure.com commissioned a study of car insurance price averages by state. This study considered hundreds of different vehicles in the 2013 model year. You might be interested in the average numbers, but you might not find them that useful when you need to shop for coverage. That is because your own rates will be impacted by a number of unique things. These also include the type of car insurance coverage you need, your own driving record, age, and exact ZIP code. However, if you wonder why your cousin in another city or state pays more or less than you do, the information might resolve the mystery.

Louisiana, Michigan, and Georgia get the top spots. North Carolina, Iowa, and Maine get the bottom, and in this case, the bottom is really the best because they get lower averages.

Typically, states that enjoy lower rates have relatively sparse traffic, plenty of open roads, fewer car thefts, and relatively less natural hazards. However, urban areas within those states may get hit by comparatively higher rates.


What If You Can’t Afford Medical Help?

Can You Afford Medical Help?


Ways To Help You Afford Medical Care In The US

Yikes, even with changes in health care reform coming down the pipeline, millions of Americans still lack good medical policies, and many cannot afford good care. At least, they think they cannot afford medical help. One of the big problems with medical assistance is that the public is ill-informed about how to access it.


One of the best resources online is the website provided by non-profit group, The Partnership for Prescription Assistance (PPARX.ORG). Started as a way to help Americans afford prescriptions, its services have expanded beyond the original mission. A few of the things you can find online include these:

  • Find Prescription Assistance Programs
  • Zip Code Search For Low-Cost Clinics and Other Medical Services In Your Local Area
  • Private Foundations With Assistance For Specific Diseases
  • More…

Local Assistance Missions

Many areas have local missions that help provide services to people with low incomes or other problems.  These might be supported by an affiliation of local churches, temples, mosques, and synagogues. They may have names like “Local City Assistance Ministries.” Since they are supported by a variety of local faiths, you do not have to worry that the word “ministry” means you will have to be preached to. Instead, you can call to see if they can provide you with assistance. Some services that these ministries may provide are:

  • Transportation for elderly or disabled people
  • Food banks
  • Low-Cost clinics for medical, dental, and vision needs
  • Counseling
  • Job placement services
  • Help for the homeless
  • more….

Getting Kid’s Health Covered

CHIPS (Children’s Health Insurance Program) provides coverage for low-income kids from low to moderate income families who do not have other access to coverage. It is a joint program between states and the federal government, so you need to find the website for your home state. If you can get your kids covered, that will be one less medical bill to worry about.

By the way, CHIPS also covers low to moderate income pregnant women who do not have other access to a medical plan. If you cannot afford medical insurance, there is no reason to suffer if you have a limited income. The income requirements will differ by state and your family size.

Is There Other Medical Help?

There are other resources, and the ones outlined here are just the tip of the iceberg. If you look for these programs, people there may be able to point you towards your country hospital system, state and federally supported health clinics, women’s clinics, and more.

DOGS & INSURANCE: The bite is worse than the bark

This expands upon the post about things your typical home policy does not cover.

You don’t have to search far to find a story about the numerous dog bite incidents that happen in the country each year. While our cuddly companions are often considered a member of the family, they may not be as friendly to strangers. That being said, our furry friends should be insured for the same reasons a young driver is insured- just in case there’s an accident!

Under most homeowner policies, your dog may be covered in the event of an incident; however, there may be some exceptions, which is why it is important to speak with your Insurance Agent.

Is my dog automatically covered under my homeowner’s insurance policy?

Usually, many insurers ask whether a homeowner or renter owns a dog in the initial policy application; however, you should talk to your independent agent before bringing Fido home to discuss the best way to address this exposure if there…

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Hidden Homeowners Insurance Coverage Gaps

What Doesn’t Your Homeowners Insurance Cover?

Does Your Home Insurance Cover This?

Does Your Home Insurance Cover This?

So you invested in a home which is probably the biggest commitment you will ever make. Of course, you take out a good home policy so your investment will be securely protected, right? The thing is a lot of home owners have no idea what their homeowners insurance really covers. This can be a serious problem if you ever do need to make a claim and your insurer says that your claim is not a covered incident.

What Is Included And What Is Excluded?

Do you even know what your policy covers? Maybe it is more important to ask you if you know what your homeowners insurance policy does not cover. If you have no clue, it is time to pull out your paperwork and get on the phone with your agent. Before you do that, take the time to learn about some commonly excluded risks. You can learn more about these risks here: http://bestratesus.com/what-your-home-policy-does-not-cover/

Some common and alarming examples, depending upon your area, are floods, earthquakes, your teenager mouthing off, and even misbehaving dogs. If you have a house to protect or assets to lose, you could be setting yourself up for a financial disaster.

  • If you have other assets to protect, you may choose extra liability insurance in the form of an umbrella policy: http://bestratesus.com/what-does-an-umbrella-insurance-policy-cover/
  • If you are worried about property damage – either to your house or the things that you store inside of your house or garage, you might need additional policies or riders for these uncovered threats. i.e. earthquakes, trailers, and most commonly floods.
  • People who suffer from many natural disasters do not live in recognized high risk areas. In fact, these people could purchase coverage for low rates because they are not zoned to high risk areas, but never even realize this coverage is available, and then face devastation when their claims are denied.

If You Cannot Get Help Understanding What Your Homeowners Insurance Covers And Does Not Cover, Find Better Insurance!

If your own agent is too busy to take the time to speak with you, it is probably time to find another agent. Many people only speak to the experienced agent when they are buying a new policy, and then they quickly get shuffled off to a phone bank as soon as the policy is purchased. Find out what your home policy excludes a long time before you need to make a claim because you have a property damage or liability claim.

Who Doesn’t Buy Life Insurance?

Did their husbands have enough life insurance?

Did their husbands have enough life insurance?

40 Million Americans Lack Life Insurance; 50 Million Need More

While there has been a lot of buzz about the number of Americans without health coverage, just about as many US residents lack life insurance. I do not just make this stuff up either. J.D. Powers is a major consumer research firm in the USA, and according to their research 40 million of us have no coverage at all. Fifty million of us do not think we have sufficient coverage.

BestQuoteUS.com, an insurance consumer article website, thinks this problem may be particularly acute with older folks because policies have lapsed and frankly, this is a time of life when coverage may be needed more than it is when people are younger.

  • Back to the JD Powers Survey: Only 25 percent of widows and widowers thought their spouse had sufficient coverage!
  • The Frugal Pig says that life insurance is cheaper than most people think it is. They back that up with surveys from the Insurance Information Institute too. Consumers without enough coverage were asked why they did not purchase more coverage, and they said they could not afford it. But consumers overestimated the premiums quite a bit when taking a survey.

It is not hard to buy life insurance either.

You are probably bombarded with ads from your agent, other insurers, etc. all the time. The primary suggestion is to shop around because some companies are simply friendlier to different types of people.

You also should not assume you are too old or sick for coverage until you do some research either. Getting quotes is free. Most people can qualify for some sort of policy. After you shop around, you can find out if you qualify for useful and affordable coverage. If you use an agent, be sure he or she can help you compare policies and prices from multiple companies. Be wary of an agent that only has one product to offer you. People absolutely have different needs.


Insurance (Photo credit: Christopher S. Penn)

I am not in the business of selling coverage. I am simply pointing out that the odds are good that you are uninsured or under-insured.

US State Penalties for Uninsured Motorists

State By State Penalties For Driving Without Insurance

???????????????????????????????Note that is information was valid as of 2011, and is subject to change. The best thing to do is to go to each individual US state’s insurance department website and pull out updated information for Financial Responsibility Laws or Driving Without Insurance. Anyway this should go with the previous article : Should You Drive Without Insurance?

Common penalties include fines, license and registration suspensions, and jail time. They tend to increase for subsequent offenses.

Also note: It is not entirely correct when some sources say that New Hampshire doesn’t require insurance. People can apply for alternative financial responsibility proof, but the state has minimum required liability insurance rules. For more information see : New Hampshire Financial Responsibility.


First offense: 45-day license suspension and/or up to a $500 fine; subsequent offense: up to $1,000 and/or suspension of license up to six months.


First offense: 90-day driver’s license suspension; second offense: one-year driver’s license suspension.


First offense: $250 fine, suspension of license up to three months; second offense within 36 months: mandatory fine of at least $500 and up to six-month suspension of license and registration; third offense within 36 months: mandatory fine of at least $750 and mandatory one-year suspension of license and registration.


First offense: $50 to $250 fine; second offense: $250 to $500 fine; subsequent offense: $500 to $1,000 fine and/or one year in jail.


First offense: $100 to $200 fine; subsequent offense within three years: $200 to $500 fine. Judge must impose greater fines if defendant fails to provide proof of insurance in court.


First offense: $500 fine; subsequent offenses: $1,000 fine; sentence of up to 40 hours of community service also possible.


First offense: $35 fine; subsequent offenses: $50 fine.


First offense: mandatory fine of $1,500 to $2,000 and license suspension for six months; subsequent offenses: $3,000 to $4,000 fine and six-month suspension of license and registration.

District of Columbia

First offense: $300 to $500 fine; subsequent offenses: $500 to $2,000 fine and/or up to 90 days in jail.


Suspension of registration and driver’s license if you fail to provide proof of insurance in court.


$200 to $1,000 fine and/or up to one year in jail; suspension of registration until proof of insurance is provided and fees are paid.


First offense: $500 fine; subsequent offense: $2,500 fine; judge may suspend first offense fine and order community service at request of defendant.


First offense: $75 fine; subsequent offenses: up to $1,000 fine and/or up to six months in jail.


$500 to $1,000 fine and three-month driver’s license suspension.


First offense: Court may suspend driver’s license or vehicle registration for one year; subsequent offenses within five years: suspension of driver’s license for one year.


Citation and removal of license plates and registration receipt, possible impoundment of vehicle.


First offense: $300 to $1,000 fine and/or up to six months in jail; subsequent convictions within three years: $800 to $2,500 fine; penalties may include driver’s license suspension and revocation of vehicle registration.


First offense: $500 to $1,000 fine and/or 90 days in jail; subsequent offenses within five years: $1,000 to $2,500 fine and/or 180 days in jail.


First offense: license plate impoundment and $50 reinstatement fee; second offense: $150 fine; subsequent convictions: $500 fine.


$100 to $500 fine and 30-day license and registration suspension.


Registration suspension and $150 fine per vehicle without insurance for one to 30 days; after that, fine increases by $7 per day; maximum penalty of $2,500 for 12-month period.


Up to $500 fine if no previous conviction or finding; otherwise $500 to $5,000 fine and/or up to one year in jail.


$200 to $500 fine and/or up to one year in jail.


First offense: $200 to $1,000 fine and/or up to 90 days in jail; subsequent conviction within 10 years: $200 to $3,000 fine and/or up to one year in jail.


$500 fine and up to one-year license suspension.


Suspension of driver’s license or assessment of four points on driver’s license.


First offense: $250 to $500 fine and/or 10 days in jail; second offense in five years: $350 fine and/or 10 days in jail, surrender and suspension of registration and license plates until proof of compliance is furnished; third or subsequent offense within five years: $500 fine and/or up to six months in jail, surrender and suspension of registration of license plates until proof is furnished; fourth offense: surrender and suspension of driver’s license.


Driver’s license suspension.


Up to $1,000 fine; civil penalties of $600 to $1,000, suspension of license and registration.

New Jersey

First offense: $300 to $1,000 fine, community service and forfeiture of the right to operate a motor vehicle for one year; subsequent convictions: 14 days in jail and forfeiture to operator motor vehicle for two years, up to $5,000 fine and 30 days community service.

New Mexico

Up to $300 fine and registration suspension.

New York

$150 to $1,500 fine and/or up to 15 days in jail, plus $750 civil penalty.

North Carolina

First offense: $50 fine and revocation of vehicle registration of 30 days; second offense within three years: $100; third offense: $150.

North Dakota

First offense: minimum $150 fine and revocation or suspension of registration until proof of insurance is provided; subsequent offense within 18 months: minimum $300 fine.


First offense: revocation of registration, $75 fine and three-month driver license suspension; second offense in five years: one-year license suspension; subsequent violations: two-year license suspension.


Up to $250 fine and/or up to 30 days in jail; suspension of driving privileges until reinstatement fee is paid and proof of insurance furnished.


License suspension or registration revocation.


$300 fine, three-month suspension of driver’s license and registration.

Rhode Island

First offense: $100 to $500 fine and up to three-month license and registration suspension; second offense: $500 fine and up to six-month suspension; third and subsequent offense: $1,000 fine and up to one year suspension.

South Carolina

First offense: $100 to $200 fine or up to 30 days in jail; second offense within five years: $200 fine and/or 30 days in jail; third or subsequent offense within five years: 45 days to six months in jail.

South Dakota

30-day to one-year driver’s license suspension.


Up to $100 fine.


First offense: $175 to $350 fine; subsequent offenses: $350 to $2,000 fine.


First offense: $400 fine; subsequent offense within three years: $1,000 fine and driver’s license suspension until proof of insurance furnished.


$100 fine and driver’s license suspension until supplying proof of insurance.


Driver license and vehicle registration suspension.


Up to $250 fine or community restitution.

West Virginia

First offense: $200 to $5,000 fine, 30-day driver’s license suspension, revocation of vehicle registration until proof of insurance provided; subsequent offense: $200 to $5,000 fine and/or 15 days to one year in jail.


Up to $5,000 fine.