Top Ten States with the Highest Car Insurance Rates and How to Pay Less When Living in Them

Share Article reveals the highest paying states for car insurance and how all consumers can save despite their location by following simple steps.

When living in these higher rate states, it's important to take extra measures to get affordable auto insurance quotes.

A recent study revealed the average annual insurance rates for drivers living in every state across America, leaving many wondering what happens when they live in a high-rate state. Certainly, despite the fact that most drivers aren't willing to move just to save on car insurance, there are many ways to lower costs while staying put.

Compare insurance rates online at

First, a look at the top ten most expensive states*:

$ 2,699 - Louisiana
$ 2,520 - Michigan
$ 2,155 - Georgia
$ 2,074 - Oklahoma
$ 2,006 - Washington, D.C.
$ 1,914 - Montana
$ 1,819 - California
$ 1,816 - West Virginia
$ 1,735 - Rhode Island
$ 1,725 - Kentucky

(* source: - published 2013/03/24)

Keep in mind for some perspective that Louisiana pays twice as much as the 3 cheapest states, Maine, Iowa and Wisconsin. To understand why these top ten states pay so much, it's important to understand what factors are behind the the rates.

On a personal level, insurance rates are determined by:

  • driving record
  • personal profile (age, sex, driving experience)
  • make, model and age of car driven
  • annual miles driven

Whereas, state by state insurance rates are determined differently in each region:

  • state specific insurance regulations
  • severe weather in the past year causing a rise in claims
  • a high percentage of uninsured or underinsured drivers who aren't covered and cannot pay in the event of an incident

Keeping in mind that these factors are out of an individual drivers control and the average American is an honest and safe driver, many are left wondering how they can lower rates. When living in these higher rate states it's important to take extra measures to get affordable auto insurance quotes.

Cheaper car insurance rates with top providers available (click here).

In terms of what vehicle to drive, it's important to check the value of the car and insure it accordingly. If it's an older car, one must estimate how much repair costs could amount to, whether or not it's worth it to go through with them in the event of a collision and adjust the deductible paid based on the valuation. However, if it's a newer car, contrary to popular belief some of these vehicles are cheaper to insure because of the safety ratings and security features such as anti-theft devices that insurance companies favor and give special rates for. If shopping for a new car, it's important to do the proper research and verify the average rates and if the car is generally cheaper to ensure.

Another way to lower auto insurance rates is to take advantage of multiple discounts and incentives that may be available with insurance companies that include, good driver discounts, good student discounts, special senior rates, multiple drivers, multiple services with the same provider and so on. In order to find what discounts might be available in a drivers state, it is no longer necessary to check with each company individually. Thankfully, this process can be completed in three easy steps with, a leading car insurance comparison site that launched last year to great fanfare.

Save money in under 2 minutes with (click here to visit site):

  • Fast quotes. Simply entering in a zip code will return a list of the best providers in given area.
  • Privacy. No email, or phone required to see the list of insurance companies and discounts.
  • No Obligations. Visitors can compare multiple quotes with no obligation to sign up to see potential rates.

With such a straight forward 'keep it simple' process, more consumers are turning to Fast Quotes Direct to connect with the best insurance companies for their needs and are learning that even when living in expensive states, it's possible to lower rates using the methods above and taking advantage of new insurance rules that may have been regulated since the last time signing up for car insurance. For drivers who haven't compared quotes in the past year, it's possible to save hundreds using Fast Quotes Direct as their listings are updated to take advantage of the most recent discounts and insurance rules in every state.

To visit the site and compare multiple quotes online for free, go to today (click here).

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Brandon Harris

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