Michigan Holds Highest Average Car Insurance Rates for 2011

If you get a great sense of satisfaction when paying for car insurance, you'll feel perfectly at home in Automobile's home state of Michigan, which has the priciest rates in the United States.

This year, the national annual auto insurance average grew $131.74 to $1561. The numbers were crunched for a 40-year-old single male and samples over 2000 vehicles from the 2011 model year. John Doe here drives 12 miles for work and carries coverage of 100/300/50 with $500 comprehensive and collision deductibles. Uninsured coverage is factored in too.

Average annual insurance rates for 2011 (descending order)

1. Michigan - $2541 2. Louisiana - $2453 3. Oklahoma - $2197 4. Montana - $2190 5. Washington, D.C. - $2146 6. California - $1991 7. Mississippi - $1896 8. New Mexico - $1837 9. Arkansas - $1836 10. Maryland - $1807 11. North Dakota - $1794 12. Connecticut - $1786 13. Rhode Island - $1747 14. Wyoming - $1714 15. Hawaii - $1707 16. South Dakota - $1707 17. Georgia - $1670 18. New Jersey - $1663 19. West Virginia - $1633 20. Kentucky - $1629 21. New York - $1627 22. Minnesota - $1614 23. Washington - $1584 24. Missouri - $1563 25. National average - $1561 26. Indiana - $1518 27. Colorado - $1508 28. Texas - $1492 29. Delaware - $1489 30. Florida - $1476 31. Nebraska - $1470 32. Pennsylvania - $1468 33. Kansas - $1461 34. Alaska - $1454 35. New Hampshire - $1334 36. Massachusetts - $1328 37. Idaho - $1325 38. Alabama - $1306 39. Oregon - $1306 40. Nevada - $1300 41. Illinois - $1290 42. Arizona - $1280 43. Utah - $1272 44. Virginia - $1237 45. Iowa - $1179 46. North Carolina - $1154 47. Ohio - $1152 48. Tennessee - $1146 49. Wisconsin - $1128 50. Maine - $1126 51. South Carolina - $1095 52. Vermont - $995

As was the case in 2010, the three most expensive states - Michigan, Louisiana, and Oklahoma - remain unchanged, though the Great Lakes State swapped with the Bayou State for the top spot.

Michigan is saddled with astronomical personal injury costs and Louisiana's judicial system provokes high-cost lawsuits, both of which only drive up insurance rates. Oklahoma's primary nemesis is said to be a high percentage of uninsured drivers, though vehicle-damaging weather is a big contributor.

At $995, Vermont takes over for Maine, last year's least-expensive state.

"Because Vermont is still not thought of as a particularly litigious state, we have a lot of auto insurance carriers vying for a fairly small piece of the pie," said John Handy, president of the Vermont Insurance Agents Association and The Essex Agency principal. "And despite our long hard winters, Vermont drivers are a seasoned lot. We tend to hunker down and stay off the roads."

Low traffic and "rural sensibilities," according to Handy, undeniably help Vermont as well.

Source: Insure.com

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