If you live in Michigan, your car insurance costs on average $ 1,930 more than if you live in Maine. They are the most expensive and least advanced countries in this week released a compilation of the insurance shopping site Insure.com.
The difference is not only, as you can imagine that. All the traffic density or the frequency of accidents Instead, add a mixture of state laws, the competition with insurance companies and the incidence of fraud in the calculation of insurance premiums.
To see how this works, let's take a closer look at the three most expensive country and expensive three. Then we will give you a list of the top 10 and bottom 10 (numbers from 1 to 51, including the District of Columbia). To check the status of their own, Insure.com also has an overview countries and an interactive map with more information for each country.
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1) Michigan - Michigan high premium on health insurance requirements. Michigan is the only state to buy the personal driver called mandates PIP (injury protection) insurance, to cover medical expenses and all passengers in case of accidents for you. High insurance costs cause many drivers to defy the law and go without - about 21 percent of the motorists. This in turn increases the rate for the other driver, the insurance. Michigan drivers to pay about $ 2738th The national average is $ 1,325.
2) Montana - Montana repeat impossible second place this year. Without large urban area, Montana has a vehicle mortality highest in the country - 22.6 deaths per 100,000 people. Apparently, the wide open spaces are to promote acceleration and deaths. The average car insurance bill in Montana was $ 2297th
3) New Jersey - New Jersey closer fit the stereotype of high-cost insurance state. This is mainly urban and suburban, and have a high accident rate. By Kacy Campion Renna, Vice President of Professional Insurance Agents of New Jersey, high medical costs and often come into play fraud. Finally Renna said, "the citizens of New Jersey are generally quite of the law to be aware." New Jersey average premium is $ 1,905
On the other hand, it is that which makes reduction of costs in the three most expensive countries:
51) Maine - Maine repeat this year as the country with the lowest cost. It has some urban areas, so it has less traffic tangles and lower accident rates. While Maine got a lot of snow, rarely see a tornado or hail the costly damage can cause the vehicle. Maine and drivers do their duty: Only 4.7 percent of driving without insurance. The average premium is $ 807 Maine.
50) Ohio - Ohio has two major cities, Cleveland and Cincinnati. But the influence of urban traffic is replaced by intense competition between insurers. More than 650 companies write auto policies in the state, compared with 134 in California and 40 in New Jersey. The competition of the company, but not regulation stifling Perk Reichley said, who had Ohio insurance agent. Ohio average premium is $ 899th
49) Wisconsin - as Ohio, Wisconsin has a competitive insurance market. most of the country is rural, and Wisconsin drivers are not very aware of the law. The average premium is $ 912 Wisconsin.
Here are the 10 most expensive states for car insurance:
1) Michigan $ 2,738
2) Montana $ 2,297
3) New Jersey $ 1,905
4) Louisiana $ 1,842
5) Oklahoma $ 1,778
6) Washington, DC $ 1773
7) CA $ 1,752
8) Florida $ 1,654
9) Maryland $ 1,610
10) Rhode Iceland $ 1,608
And these are the 10 most expensive:
51) Maine $ 808
50) Ohio $ 900
49) Wisconsin $ 912
48) Idaho $ 935
47) New Hampshire $ 941
46) Vermont $ 942
45) North Carolina $ 987
44) Iowa $ 989
43) Virginia $ 1,020
42) Illinois $ 1,035
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