Well, for the years 2004-2006 insurance expense remained consistently the highest in the same ten states. Most recently, Washington D.C. And New Jersey have traded off in first place as the most expensive, and Connecticut and Nevada took turns in ninth and tenth places. In between, in third through eighth places, were Louisiana, New York, Florida, Massachusetts, Rhode Island and Delaware. In 2004, Michigan brought up the rear as the tenth most expensive, but otherwise Michigan does not appear in the top ten.

What does this mean for the average consumer? Drivers are certainly not going to choose their state of residence based solely on auto insurance rates, but if you live on the borderline and don’t mind moving, there could be benefits for you. Will consumers be willing to relocate in order to save a few hundred dollars on their insurance rates every year? Probably not. But if you do NOT currently reside in one of the higher cost states, you might want to check your insurance budget before moving to one!

Although, it may seem unfair, insurance companies argue that if you are not responsible with your money you may be unsafe when it comes to your driving on the road. And therefore, they feel this gives them a legitimate case for raising your rates if your credit score is low even if you have been with their company for a long time. Studies suggest that for the most part these situations effect blue collar workers who are struggling to make ends meet and will have an even more difficult time making the higher payment for the car insurance. People are wondering, is this fair?