Today, we will talk about auto insurance rates by state in orderly sequence. Well, since there are 51 states in overall, we surely cannot talk about all of auto insurance rates by state comparison. We will give you brief explanations about auto insurance ratings in every state, especially the highest and the lowest ones.
Let’s start from the highest auto insurance rates by state first. Michigan is the top on the list with $2,476 in average. The reason why insurance rates are high there is mostly due to its extraordinary no-fault system for auto insurance. Basically, just like other no-fault states, car owners are required to purchase personal injury protection (PIP) insurance. However, what make it different in Michigan are the unlimited medical benefits. Thus, car drivers are only required to pay limited amount of PIP insurance. The second highest insurance rate is in Montana with $1,866 and the third is in Washington D.C. with $1,799.
The second cheapest option for auto insurance rates by state is held by Idaho. In fact, the auto insurance rate in Idaho is the cheapest in the West with only $843, nearly a half than what you should pay in Montana or D.C. The cheapest, however, is in Maine with only auto insurance rate of $805 on average. Well, it is not surprising since most of rural, quiet states have no similar problems other bigger states face. Overall, Maine has much less traffic problems in addition to much infrequent tornadoes or hailstorms.
If you are curious not only about auto insurance rates by state, but also about the cheapest and most expensive vehicles to insure, you can look up the list from various websites. Most of popular cars are named as most expensive cars to insure by car insurance agency, such as Ford F150, Dodge RAM 1500, and Toyota Camry. (Also read about: Cheap Luxury Cars that Automobile Market Offers to You)