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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    • 1 Second Ago
  • 30 Comments
      canuckcharlie
      • 1 Year Ago
      Michigan No Fault Insurance is total @#$%
      Papi L-Gee
      • 1 Year Ago
      The list ranks Georgia (where I live now) much higher than Maryland (where I moved from). When we moved to Georgia three years ago, our premium dropped by about half. Though my evidence is anecdotal, I'm not convinced by this list.
        NY EVO X MR GUY
        • 1 Year Ago
        @Papi L-Gee
        I'm from new York and I can tell you my insurance plummeted by 70+% when I moved to Ga. This list is somewhat flawed.
      foosielucy
      • 1 Year Ago
      FLORIDA DRIVERS DRIVE AS IF THEY WERE BACK IN THEIR OWN COUNTRIES - WHICH I SOMETIMES WISH THEY WERE.
      4gasem
      • 1 Year Ago
      Yep! To insure my 2009 G8 GT for me (39 YO) with no points, is 50 bucks a month give or take. I live in IA.
        mikemaj82
        • 1 Year Ago
        @4gasem
        nice, when I went from the G8 to the vette, my insurance actually went down lol.
      Doug Utz
      • 1 Year Ago
      Thank you Michigan for your awful \"No-Fault\" and unlimited medical coverage.
        ICantDrive88
        • 1 Year Ago
        @Doug Utz
        When I was an insurance adjuster I had a client who got him and totaled a brand new car in Michigan. We just did their risk management so they got stuck paying over 20 grand out of pocket and it wasn't even their fault! Eff Michigan!
      4AutoInsuranceQuote
      • 1 Year Ago
      Michigan and Louisiana are always at the top of these lists because of their weird laws. In addition, big cities like New York, LA, Chicago, etc. will always have high insurance rates because of their high traffic, crime, and accident rate. Basically, if you want to have cheap insurance rates, you need to move somewhere in the middle of nowhere, like North Dakota... otherwise, in the United States, you will never be able to find insurance rates that will satisfy you. Read more analysis of this study at this site - http://www.4-insure.com/expensive-states-auto-insurance/
      Sergio Freddson
      • 1 Month Ago

      Auto insurance is just getting more and more expensive. It's crazy to me how big of a difference there is between states though! I guess that's something I should factor in if I ever decide to move to Louisiana. Thanks for sharing!

      <a href='http://www.smithinsurancemobile.com/#!copy-of-home-insurance/c1z7e' > http://www.smithinsurancemobile.com/#!copy-of-home-insurance/c1z7e</a>

      Caroline Danvers
      • 16 Days Ago

      I recently had to take my car to a repair shop after getting into a little fender bender. Besides that my driving record has been pretty good.  I don't know if this is universally true in every state, but where I live you get "good driver" discounts, and they usually add up.  Besides, I would much rather have to pay for the peace of mind of car insurance rather than not have it and have to worry about getting into an accident with someone that is not insured. 

      <a href='http://www.powellsinsurance.com/auto.html' > http://www.powellsinsurance.com/auto.html</a>

      • 1 Year Ago
      [blocked]
      Cory Stansbury
      • 1 Year Ago
      Yet another reason why Maine is awesome :)
        space
        • 1 Year Ago
        @Cory Stansbury
        I live in louisiana. I bought a car from maine back in 2010. The rust is ridiculous. Wish I hadn't done it. Maine is not THAT awesome.
      mikeybyte1
      • 1 Year Ago
      I can only imagine what redneck jokes will be posted in the Comments on this story!
        imoore
        • 1 Year Ago
        @mikeybyte1
        Well, I hope you don't consider my comments as a redneck joke, because I live in Alabama, I'm not a redneck, and what I've posted is true.
      vroooomy
      • 1 Year Ago
      when i lived in LA i paid $135 for a nissan altima and G35 coupe. both new that year. this was 2005. I don't have a good driving record and this was for full coverage through progressive. i was over the 25yr old mark, 28. in illinois i pay a little less than that for one car today.
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