Average car insurance costs in the USA shown by survey

Posted on Wednesday, 14 April 2010 , 17:04:05 byEmil

Filed under insurancecar-insuranceusausstatessurveycostsratesaverageAmericanPricing

Average car insurance costs in the USA shown by survey

It`s true that the Unitated States is a big country, but differences like the ones found in a recent survey are quite weird. It seems that the United States of America is just a conglomeration of 51 small countries (50 states and a federal district). Each small country (state) has its own laws and basically makes its own rules, as long as they don`t come in contradiction with the Constitution of the USA.

A survey that is said to have been commissioned by an insurance related website shows the average cost of car insurance in all the 50 states of the country from the top six insurance companies. According to this survey, data was collected from drivers of 2400 vehicles and sourced from 10 ZIP codes per state. Obviously, this is not a census, but surveys showed themselves to be pretty accurate.

The USA national average cost of car insurance is of 1429 U.S. dollars, but the difference between the first and the last stat is huge. Practically, people living in Louisiana pay on average three times more money for car insurance than people living in Maine (cheapest car insurance in the country on average).

Explanation for the fact that Louisiana is the state with the highest car insurance rates on average in the USA comes from the same survey. Thus, ``One of the reasons Louisiana's rates are higher on average is because only cases with claims exceeding $50,000 receive a jury trial. This means more cases are settled out of court, which leads to higher accident settlements and higher insurance costs``.

Here is the entire list of states, organized by the average cost of car insurance, from high to low:

1 Louisiana $2,510.87
2 Michigan $2,098.29
3 Oklahoma $1,869.39
4 Montana $1,857.96
5 California $1,774.41
6 South Dakota $1,772.83
7 Washington, D.C. $1,753.19
8 Georgia $1,751.42
9 Illinois $1,679.15
10 Connecticut $1,678.90
11 Arkansas $1,648.80
12 New Mexico $1,603.65
13 Rhode Island $1,595.97
14 West Virginia $1,589.69
15 Alaska $1,572.21
16 Wyoming $1,552.98
17 Maryland $1,550.13
18 Kansas $1,524.51
19 Kentucky $1,515.30
20 Colorado $1,480.97
21 Mississippi $1,474.94
22 New Jersey $1,473.73
23 New York $1,463.21
24 Texas $1,462.65
25 Florida $1,453.20
National $1,429.26
26 Pennsylvania $1,420.78
27 Delaware $1,405.80
28 Missouri $1,390.59
29 Minnesota $1,381.09
30 Alabama $1,380.38
31 North Dakota $1,365.22
32 Hawaii $1,306.97
33 Indiana $1,302.51
34 Nevada $1,282.50
35 Washington $1,279.84
36 Utah $1,234.30
37 Virginia $1,233.36
38 Nebraska $1,210.74
39 Oregon $1,194.69
40 Idaho $1,183.47
41 South Carolina $1,182.18
42 Tennessee $1,170.12
43 Arizona $1,152.50
44 North Carolina $1,130.45
45 Massachusetts $1,043.80
46 Iowa $1,039.04
47 New Hampshire $1,011.23
48 Wisconsin $1,010.93
49 Ohio $999.86
50 Vermont $968.58
51 Maine $902.85