No. 49: Iowa
Iowa's rural sensibilities help keep rates down in the Hawkeye State, insurance agents say. The population of Des Moines, the largest city, is about 200,000.
"I don't think we're as rushed to do things," observes Paul Pohlson, president of the Independent Insurance Agents of Iowa and vice president of Ramsey Weeks in Grinnell.
"I look at other cities I travel to, and I just think we have fewer accidents because people seem to slow down here. Maybe we don't have as much road rage."
In small towns like Grinnell, where Pohlson works, "I'm probably going to know the person that I hit or who hits me in an accident."
People aren't quick to sue one another over car accidents in Iowa, and the culture is fairly conservative, says Terry McDonald, president-elect of the Independent Insurance Agents of Iowa and executive vice president of A.W. Welt Ambrisco Insurance Inc. in Iowa City.
"It's not as easy to win over a jury as it can be in another state," he says.
No. 50: Maine
"I do think Maine being so rural is a factor in low rates," says Sheila Sawyer, president of the Maine Insurance Agents Association and an agent with Carl M.P. Larrabee Agency Inc. in Wiscasset. "We just don't have much city driving, and people learn to drive in all types of weather."
Maine's tight restrictions on young drivers and its graduated licensing program for new drivers also likely help keep accidents (and rates) down, Sawyer says.
Teens have to complete a state-approved driver education course before they can apply for a learner's permit, and they go through a three-step graduated licensing system which lets them get driving experience under lower-risk conditions. A driver under 18 with an "intermediate license," for instance, can't carry passengers other than immediate family members or drive between midnight and 5 a.m.
See how all 50 states and the District of Columbia rank at Insure.com.
Insure.com commissioned Quadrant Information Services to provide auto insurance rates for more than 750 car models from six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm) in 10 ZIP codes per state. Rates were compiled in December 2012.
We then averaged rates for all vehicles in each state to create the rankings. Rates are for comparative purposes within the same model year.
Rates are based on insurance for a single, 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Actual rates will depend on individual driver factors.
Top 5 most expensive states for car insurance
Average annual premium
Least expensive states
More from Insure.com:
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The author needs to do better research. Unlimited medical is only part of the story.
Show me the population demographics of all these states.
Could there be a coincidence? Or dependance?
I guess someone has to pay when all those illegal aliens have an accident
...just pray it doesn't happen to you or your loved ones
Viva La Raza!
Auto Insurance is nothing more than a Bunko Scam in large part. I have been in one accident in the past 50 years, no one hurt, but my premiums suggest I am in an accident about once in 5 years. Me thinks I am paying for all those (illegally) uninsured drivers. If the state requires insurance, the state needs to enforce the law-- 100% but they do not.
So let me get this straight, Louisiana, Michigan, hummmmmmm
#1 Louisiana drivers who get in accidents file more bodily injury claims than drivers in other states.
#2 Michigan is the only state in the country that guarantees unlimited, lifetime personal injury protection benefits for treatment of injuries from a car accident.
Both of these states also have the largest welfare populations, along with the highest unemployment populations......... what else do both of these states have in common........Hummmmmmm
What race hold's the record for the majority for welfare and unemployed in the USA..........?
I'm surprised New Jersey isn't on that list, ranking among the highest... Hell, there are people round these parts, who use a friend's address in PA, in order to get PA plates, just so they can avoid paying NJ state insurance premiums....
Among the things that makes NJ state insurance as high as it is, is; and when I moved from NM to NJ, the insurance agent on the phone said I would laugh when they outlined what coverages were required by state law, coverage for getting in an accident if one's a passenger ON A CITY BUS, WHILE RIDING PUBLIC TRANSPORT. What the hell does that have to do with auto insurance? Many people who depend on public transport are the elderly who can't drive anymore due to age or medical reasons (loss of eye sight, dementia, etc), or people who can't afford a car. So those with cars have to pay for what happens on a public bus, when it's the city's own driver who is responsible for the operation of their own vehicle? Umm, lol
I don't know many who consider themselves lucky when it comes to either car insurance rates here in NJ, property taxes, tolls, or some of the highest (albeit not the highest, that would go to like HI) electric rates charged by PSE&G....
The biggest differences in auto insurance is not even mentioned here. there are basically 2 types of States, "No fault" and "Liability" in a No-fault State each person's insurance pays for their own damages so if someone hits you your insurance company pays for your car. In a Liability State the person who is at fault (Caused the crash) has to pay for both vehicles. If you are involved in a crash that is not your fault it is just as if the accident never happened and your rates do not go up.
I live in Ohio ( Liability State) I have not had a ticket in over 18 years (My responibility) but have been hi 3 times in the past 10 years (Not my fault) I have 2 vehicles and carry almost full coverage on them both, my payment is $48.00 (My reward).
This article say with a 1,000 dollars deductible, I should be saving 40% ...lol
Yell, right !!
I hit a deer, My insurance would only pay 326.00 dollars.
I paid a 1,000 plus more because, I'didn't want after market parts on my New Car !!
And the adjuster was A-O ...
Hate that Pig and Lizzard !!
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Use your organizing skills to make sure your financial house is in order too.
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