States where car insurance costs most

What you pay to insure your car can vary widely, depending on the state you live in. In these 10, premiums are highest.

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96Comments
Nov 9, 2012 4:53AM
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I live in Michigan.  I have 2 vehicles, both over 10 years old and pay over $2000.00 a year in insurance.  We have had no accidents or tickets since 1989!  Insurance is out of control here.

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I have no points, no tickets, no DUI's, no accidents, etc. on my driver's license. But here in Florida, all the major companies want me to pay approx. $150.00 a month for bottom of the barrel insurance for an older pontiac beater. And the smaller companies are no better. My insurance rate depends on my credit rating, which is in the toilet. What does my inability to pay my bills on time (or at all) have to do with my ability to drive a car?????????  THIS IS TOTAL BULLSHlT!!!!!!!!
Nov 9, 2012 8:20AM
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we call it legalized extortion in Michigan
Nov 9, 2012 11:47AM
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Prices are so high because in most places it's required by law.  More examples of business and government in bed together.....insurance is the scam of the century.
Nov 9, 2012 9:35AM
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I live in Michigan, my husband and I have 2 vehicles with full coverage and 2 motorcycles with full coverage and we pay $4980.00 a year. He has never gotten any tickets and I have one speeding ticket 1-5 mph over 2 1/2 years ago. I shopped around for the best deals we could find. We're a no fault state here and they keep adding on more and more fee's for us to pay every year. No wonder people drive without insurance.
Nov 9, 2012 7:48AM
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In Michigan we call it legalized extortion
Nov 9, 2012 10:40AM
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Insurance companies play a  a game of bait and switch. They give you a lowball rate to get your buisness, then slowly raise the rates. Find the lowest estimate, go with that insurance until they start to very slowly raise the rates, then find another. It only takes a phone call and not much effort.  You could save hundreds a year.

Nov 9, 2012 1:32AM
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It's robbery!  In Florida, with good driver discount and multi-car discount, I paid $1200 a year for minimum coverage, no collision or comprehensive with the minimum required liability for two cars for the past several years.  I don't know what they are smoking but I want some of that.  I don't smoke often...but when I do...I prefer Acapulco Gold with my Dos Equis.  Stay high my friends and remember to share your joint with the women!
Nov 9, 2012 10:45AM
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Just another reason not to live in Michigan... Its a great state to visit but I wouldn't want to live there
Nov 9, 2012 9:59AM
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No Maryland?
Every 2 years, I get a rake hike, like clockwork. All I'm ever told is "The Insurance Commissioner approved us for a rate increase". No tickets, no points.
.....and people think regulation is a bad thing........

Nov 9, 2012 9:27AM
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I live in Michigan and ALL Insurance is high. a 1997 Truck with PL & PD and a 2009 full coverage for $1200.00 a year. NEVER had a claim in our lifes!!!
Nov 9, 2012 7:26AM
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my car insurance went from 85 a month in cali for three vehicles up to over 600 a month in fla for the exact same coverage,, same company,, all are older cars.. pre 2000,  i was forced to cut back to bare bones coverage,, the issue in fla is rear end accident fraud,, they cut in front of you, slam on the brakes, u hit them and they claim back and neck injuries,,, rediculus.
Nov 9, 2012 11:59AM
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I'm in Michigan too. My AAA just went up $300 a year. I called - she said it was Michigan catastrophic insurance rates flew up. Michigan is one of a few states that still has no fault insurance because we have a large driving population that refuses to buy insurance. I'm sick of it.
Nov 8, 2012 10:05PM
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These rates are really high.. I drove 4 different BMW's since 2001 and the most I ever paid was around 80.00 per month and that was for a 2008, Z4 M Coupe.
Nov 9, 2012 10:09AM
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I'm a truck driver and live in Louisiana. I drive my car about 9 miles a week!! Never had an accident and no tickets on my record. There is another rating for commercial drivers issued by the CSA. And I have a perct CSA score. my cost for insurance is $200 a month. My car note is only $240!!
Nov 9, 2012 11:48AM
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Michigan charges more for insurance rates if  you are low income. Do you have any idea those that don't have insurance here because of the high rates?  I pay so much I cannot afford to drive my car unless absolutely necessary (doctors, groceries, etc.) Their reason is if you are on Medi-care of medicaid they will not pay for injuries sustained in an auto accident. Hello, private paid health insurance doesn't either. DUH! as my kids would say. They allow higher charges to those with poor credit rating even if it is due to lack of work in this state. UNFAIR as crap. MICHIGANDERS flood the state about these high insurance costs. 
Nov 9, 2012 9:12AM
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I livn NJ, I have 2 vehicles, Both less than 5 years old and have full coverage on them, We pay $1300 total and get a dividend back at the end of the year.
Nov 9, 2012 10:39AM
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I live in Michigan and pay $1350 a year for two cars (2004 BMW and 2011 Honda).  Broad form collision...$500 deductible....roadside....etc.  Not sure where the $4400 is coming from.  I'm sure Wayne County would be higher, but Michigan also gets unlimited medical liability for life.  Meaning...if someone hits you and you need medical care as a result...the insurance company pays for life.  This is rare, but a financial lifesaver for some people. 

Nov 9, 2012 7:42AM
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live in arkansas, two cars under 1000.00 for both
Nov 9, 2012 11:24AM
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In Michigan with the no - fault we have the Michigan Catastrophic Claim premium added by the state to each policy,  about $210 per year per car.   Unlimited life time medical benefits for any one injured in a car accident.  this coverage if secondary to any other health coverage.  but is unlimited......Not many people collecting on it, but they are very serious expensive claims. I know of one where a 6 year old girl hit by a car and now a quadrapalegic going on 25 years.  
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