Top 5 Most Expensive States for Car Insurance

According to a research study done by AOL Auto, it’s quite easy to find the five most expensive states for car insurance. These are Louisiana with an average premium of approximately $2,500; Michigan with an average premium of approximately $2,100; Oklahoma with an average premium of approximately $1,800; Montana with an average premium of approximately $1,8500; and California with an average premium of  approximately $1,700. These figures are very steep, especially when you compare them to the figures of the five cheapest states in which to purchase car insurance. These include Maine with an average premium of approximately $900; Vermont  with an average premium of approximately $970; Ohio with an average premium of approximately $1000; Wisconsin with an average premium of approximately $1,010; and New Hampshire with an average premium of approximately $1,011.

What is important to note, however, is that it’s not always where you live that has the biggest impact on how much you pay for car insurance. Sure, average premiums might be a bit higher in some states than others, but what really determines how much you are going to pay for auto insurance is your provider. So, if you live in one of the five most expensive states, assume that your payments might be a little higher than you’d like, but don’t just assume that every policy is equally high and that it doesn’t matter which provider you choose. That is sure to end in you paying more than you have to for automobile insurance.

In fact, when you live in one of the higher priced states that’s actually reason to be even more diligent about carefully choosing your automobile insurance provider. You will want to find a provider that understands your state is known for high premiums and therefore makes every effort to find you discounts and other ways of saving money on your car insurance policy. The only way to find such a company, however, is through consistent work and effort on your part.

Your first step, of course, is to be knowledgeable about the state in which you live. Find out the average premium for your state, so you’ll know what to expect. If you live in one of the states mentioned here, then you already know, but if you don’t, a quick internet search can garner results. Also inform yourself of the minimum insurance requirements in your area. Though you will most likely want to go above and beyond these minimum requirements when you purchase your insurance, you’ll still need to keep them in mind to ensure that your policy –and your provider –is legit. In general, the more information you possess about your state and about car insurance policies, the less likely it is that you’ll be duped into an unfair policy or end up paying too much for automobile insurance.

With this knowledge and the confidence it brings securely under your belt, it’s time to start researching different providers in your area. You can contact the local board of transportation or its equivalent in your area to obtain a list of all licensed providers. Then, you can work from this list to find out more information about each company, noting discounts it offers upfront  and any money saving specials or deals for which you qualify. Also take the time to read online reviews of each company, making sure that they are reviews written by actual past or present clients and that they are not testimonials. Study this information carefully, and don’t be afraid to cross providers that you don’t trust, that have overwhelmingly negative reviews, or that just seem shady off your list.

Now that your list is looking more manageable, you can start requesting free rate quotes from each company. These rate quotes can usually be obtained online or over the phone, though some smaller companies may require an in person visit. When you get your rate quotes, you’ll want to be looking for the one that is below the state’s average and that still offers you the level of coverage that you need and deserve. When you find this one on your list, you’ll know that’s the way for you to save money on car insurance.

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