Top 24 States Where Car Insurance is Overpriced

If you’re planning a move, car insurance is probably not the first thing on your mind, but it should be. Depending on where you go, car insurance rates can take a considerable bite out of your budget. Some states have sky-high premiums that might make you reconsider booking that moving van. So before you pack your bags, read about the states with the country’s highest premiums.

The Big Easy’s Big Louisiana Rates

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Louisiana tops the list for expensive car insurance. You might be looking at an average annual cost of almost $3,000. High accident rates and costly repair costs contribute to this hefty price tag. The state’s legal climate, which often leads to higher settlements and claims, also plays a significant role. So, if you’re heading to the Bayou State, brace yourself for those premiums.

Florida’s Sunshine and Steep Prices

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In Florida, drivers pay about $3,244 yearly for car insurance. Florida’s extreme weather and high accident rates push costs up. Plus, with more and more people moving to the Sunshine State, the road competition isn’t helping lower those rates. The state’s high number of uninsured drivers also impacts insurance costs.

Gold Rush California Prices

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California isn’t just expensive for housing; car insurance rates are steep, too. At an average of $1,713 annually, residents face high premiums due to frequent accidents and the costly tech in modern cars. The state’s high cost of living and repair costs further inflate insurance premiums.

Colorado’s Money High

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Expect to pay a pretty penny for your car insurance in Colorado. While it’s decreasing, auto theft is still a major issue, leading to higher premiums. The beautiful mountain views come at a cost in terms of real estate and keeping your car insured. The unpredictable weather conditions, from hailstorms to heavy snow, also contribute to higher insurance costs.

The Rapid Rising Rates of South Dakota

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South Dakota’s insurance premiums have skyrocketed recently, averaging $2,268 annually. More drivers and higher accident rates are key factors. If you’re moving here, prepare for some sticker shock on your insurance bills. The state’s rural nature means longer response times and higher costs for emergency services, which also impacts insurance rates.

Unlimited Coverage, Unlimited Costs in Michigan

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Michigan’s laws offer unlimited lifetime coverage for catastrophic injuries. While this is great if needed, the premiums are exorbitant for everyone else.

Bourbon and Big Premiums in Kentucky

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In Kentucky, drivers pay about $2,393 annually. Factors like mandatory personal injury protection and high car theft rates keep premiums elevated. Enjoy the bluegrass and bourbon, but you’ll need to budget for insurance.

Montana: Wild and Costly

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Montana drivers face annual premiums well above the national average. With high traffic fatality rates, insurers charge more to cover the risk. The open roads and stunning landscapes come at a premium.

Washington, DC: Capitol Costs

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Driving in DC will cost you an average annual premium of $2,218. The high population density leads to more accidents, driving up insurance costs. Living in the nation’s capital has its perks, but cheap car insurance isn’t one of them.

Oklahoma’s Tornado Expenses

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Oklahoma residents pay more than the average American for car insurance. Long commutes and time on the road contribute to higher premiums. Those wide-open spaces and frequent tornadoes make coverage costly.

Rhode Island’s Coastal Costs

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In Rhode Island, expect to pay around $134 per month. Dense urban areas and heavy traffic contribute to these high rates. Living by the sea is lovely, but it’s not cheap.

Vegas Vices in Nevada

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What happens in Vegas stays in Vegas, but the costs follow you home. High rates of accidents and DUIs in Las Vegas push up insurance premiums.

Paying for Uninsured in New Mexico

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New Mexico’s high percentage of uninsured drivers and relaxed enforcement drive up costs. It’s a beautiful state, but you’ll pay a lot to drive there.

Everything’s Bigger in Texas

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Texans pay about $2,445 per year for full coverage. The high population density in major cities contributes to these rates. As the saying goes, “Everything’s bigger,” including your insurance bill.

Georgia’s Peach State Prices

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High traffic congestion in cities like Atlanta increases the likelihood of accidents, which increases the state’s insurance costs. It’s a sweet place to live, but the coverage price might make you sour.

Connecticut’s Costly Coverage

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Connecticut’s car insurance averages $2,506 per year. Dense populations and frequent accidents make insurance expensive here. The state’s high medical and legal expenses also contribute to the high premiums. Harsh winter weather can also lead to more claims and higher prices.

New Jersey: Garden State Green

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New Jersey may be a small state, but its insurance bills are anything but. Drivers face high premiums due to the high population density and busy roads, leading to more accidents. The state’s high living and repair expenses also affect the cost of coverage.

Show Me the Costs in Missouri

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Due to high accident rates in urban areas like St Louis and Kansas City, state residents spend around $215 monthly for full coverage. Missouri’s unpredictable weather and high rates of uninsured drivers contribute to higher insurance costs.

Alabama’s Heart of Dixie Prices

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Sweet Home Alabama might be a bit bitter about car insurance. The rural nature of many parts of the state also means a higher emergency response and consequent repair costs.

Minnesota Has 10,000 Lakes and High Premiums

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Minnesota’s severe winter weather conditions and high rate of car thefts contribute to its high premiums. The state’s no-fault insurance system also drives up costs.

Alaska’s Remoteness Costs

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Drivers in Alaska pay around $2,406 annually for car insurance. Harsh weather conditions and the state’s remoteness contribute to higher premiums. Long distances between towns and cities also mean higher repairs and emergency services costs.

Maryland: A Small State with Big Costs

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High traffic volumes and frequent accidents in densely populated areas like Baltimore increase average premiums. The state’s high medical and legal costs also contribute to expensive insurance rates.

West Virginia: Mountain State Money

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West Virginia’s winding and often poorly maintained roads contribute to higher accident rates and costly premiums. The high number of uninsured drivers also drives up costs for insured drivers.

Oregon: Beaver State Bills

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Oregon has a high vehicle theft and vandalism rate, particularly in cities like Portland. The diverse and often challenging driving conditions, from wet coastal roads to snowy mountain passes, also contribute to higher premiums.

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Lori Meek

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