Top 10 Most Expensive States for Car Insurance

Girl in winter coat driving a car with a friend

While the average cost of full coverage auto insurance in the country is $2,014 a year, according to Bankrate, car insurance rates can vary widely depending on where you live. Here’s a list of the states with the most expensive car insurance based on their average 2023 full coverage cost and the factors that drive up premiums.

Top 10 most expensive states for car insurance:

  1. Florida — $3,183
  2. New York — $3,139
  3. Louisiana — $2,909
  4. Nevada — $2,779
  5. Michigan — $2,691
  6. California — $2,291
  7. Kentucky — $2,124
  8. Colorado — $2,121
  9. Delaware — $2,103
  10. Georgia — $2,085

In addition to location, below are other factors that affect car insurance rates:

1. Driving Record — Your driving history is one of the most significant factors that insurance companies consider. Drivers with a history of accidents, traffic violations, or claims are seen as high-risk and are likely to pay higher premiums.

2. Age and Experience — Young and inexperienced drivers are statistically more likely to be involved in accidents, making them a higher risk for insurers.

3. Vehicle Type — The make, model, and year of your vehicle also impact your insurance rate. Cars that are expensive to repair or replace, have high theft rates, or are statistically involved in more accidents can lead to higher premiums.

4. Coverage and Deductible — The type and amount of coverage you choose will directly influence your premium. Comprehensive and collision coverage are more expensive than liability coverage.

5. Annual Mileage — The more you drive, the higher your risk of being in an accident. If you have high annual mileage, you may see higher insurance rates.

6. Gender and Marital Status — Statistically, single males have higher accident rates and may pay higher rates than married females. However, the impact of gender and marital status on insurance rates can vary by insurer and state.

Understanding these factors can help you find ways to lower your auto insurance rates. Westwood works with some of the nation’s top auto insurance companies to find the best coverage and price for you. Talk to your Westwood agent today or get a quote online in just minutes.

Please Note: This article is for general informational and educational purposes only. It does not represent any specific insurance policy and does not modify any provisions, limitations, or exclusions of any current policy.