When it comes to owning cars, we all have to – or should, anyway – pay for auto insurance, but just like many laws vary state to state, so too do insurance rates. Insure.com broke down all 50 states and Washington, D.C. based on rates supplied by the nation's six major insurance companies (Allstate, State Farm, GEICO, Nationwide, Progressive and Farmers).

This state-by-state comparison showed that drivers in Maine are paying $1,765 less per year than drivers in Louisiana. Why is that? According to the study, Louisiana drivers turn in more comprehensive damage claims and have a higher rate of hiring lawyers. Plus, Louisiana allows claims under $50,000 to be heard by elected judges rather than going through a jury trial. Maine, on the other hand, benefits from a graduated license program and has more rural driving. Michigan and Georgia join Louisiana at the top of the list, while North Carolina and Iowa round out the lowest three states.

Head on over to Insure.com to see where your state ranks on the list.

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  • 2015 Toyota Highlander
    MSRP: $29,765 - $44,140
    2015 Jeep Grand Cherokee
    MSRP: $29,995 - $64,895
    2015 Honda Accord
    MSRP: $22,105 - $33,630
    2015 Honda Civic
    MSRP: $18,290 - $26,740
    2015 Mazda Mazda3
    MSRP: $16,945 - $25,545
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