The 10 worst states for driving
Here are the 10 states where automotive expenses consume the highest percentage of household income.
This post comes from Des Toups at partner site CarInsurance.com.
No one likes paying for gas and insurance. But some drivers feel the pinch more than others.
The price of gas in the U.S. can range from well under $3 a gallon to twice that. A year of comprehensive, collision and liability coverage can cost the same driver as little as $889 or as much as $2,589 -- even more, depending on the ZIP code. And the number of miles an average driver travels can be as little as 9,800 miles a year in Alaska or more than twice that in Wyoming.
CarInsurance.com's Automotive Misery Index looks at the geographical variables in car ownership, weighing each state's household income against the cost of gas, number of miles driven and price of full coverage for a 2012 Honda Accord EX.
Each factor can greatly skew the cost of car ownership. (Post continues below.)
Drivers feel high gas and insurance prices most in Mississippi, a rural state where distances are long and incomes are low, but gasoline and insurance also cost more than average. A 40-year-old driving a 2012 Honda Accord EX a typical number of miles for the state would pay 11.6% of his income for gas and insurance.
In comparison, New Hampshire's relatively high paychecks, low cost of insurance and shorter commutes mean the same driver would shell out just 4.4% of his household income.
The 10 states where automotive expenses consumed the highest percentage of household income were:
Rank State Gas & Insurance Income Misery Index
1. Mississippi $4,287 $36,821 11.6%
2. Oklahoma $4,816 $45,018 10.7%
3. Louisiana $4,504 $42,813 10.5%
4. West Virginia $4,292 $41,999 10.2%
5. Montana $4,005 $41,286 9.7%
6. Georgia $4,268 $44,082 9.7%
7. Michigan $4,274 $46,597 9.2%
8. Wyoming $4,828 $52,848 9.1%
9. Kentucky $3,860 $42,302 9.1%
10. Arkansas $3,411 $37,856 9.0%
You can see the complete Automotive Misery Index here.
How we calculated the Misery Index
CarInsurance.com calculated costs for a 2012 Honda Accord EX four-door sedan with an EPA combined fuel economy rating of 27 miles per gallon. Gasoline prices came for the AAA Fuel Gauge Report on Sept. 1. Household income data were derived from the 2010 U.S. Census. Annual mileage per licensed driver was supplied by the U.S. Bureau of Transportation Statistics.
Insurance rates were averaged from six carriers in 10 ZIP codes per state for a 2012 Honda Accord driven by a 40-year-old male with no violations or accidents commuting 12 miles to work, carrying a $500 deductible on collision and comprehensive coverage, bodily injury liability limits of $100,000 per person and $300,000 per accident, and $50,000 in property damage liability coverage. The report was commissioned by CarInsurance.com from Quadrant Information Services.
More from CarInsurance.com and MSN Money:
Isn't it amazing how MSN once again has a story that basically says that all of the "fly over" states are miserable and need to have guidance from the "refined and educated" liberal states! Please, do me a favor, and leave us alone! I would much rather drive a car for hours on the highway in Wyoming than 10 seconds on a NYC street!
All you whiners. The places you mention have nothing on Massachusetts, particularly the Boston area. Getting around in, or through Boston is a non-stop game of chicken.
The best way to negotiate traffic in the Boston area is with a beat up, rusted out four wheel drive pickup with a snowplow mounted on the front, even in the middle of summer. It screams out, "I dare you to cut in front of me!", and there are no takers.
To be courteous is considered to be a sign of weakness, and the predators are always ready to pounce and exploit your weakness. Put on a turn signal to change lanes and the person behind in the lane you want to change to will speed up to block your move.
So, you have to make your move, then use your turn signal. Never, never, telegraph your intentions. You must take the enemy by surprise.
I can see from the comments here that there are plenty of horrible drivers in every state.
I think the police who sit in the shadows of the overpasses and ticket some poor slob for going a few miles an hour over the speed limit should concentrate on pulling over the drivers that are causing traffic delays and consequently more accidents. (You know, the moron in the passing lane that has 2 blocks of traffic backed up behind them and is oblivious to the situation.)
They should pull them over, beat the piss out of them and throw them in jail! Seriously!!!
I don't know where you polled and figured but you so called experts are full of ****. Why don't you try your estimate with an older car and somethibng the poor can afford? You are so fricking stupid you have no idea how the world is or who the real people are who are in it. Get a clue and get a frickin life you frickin wannabes. Your idea of the news and reports has nothibng to do with the real world. Try McAllen Texas where 90% of the drivers have no insurance and have no idea how to drive their older cars without texting and rearending others. Why don't you do a piece on people who throw their garbage out the window everywhere they go? Do a piece on something else. You are definetely no good at this one!
The worst state is intoxication, tied with distraction.
So, lay off the beers, and what's worse, the cell phones.
if you counted the amount of time wasted in traffic multiplied by the hourly wage this list would be vastly different.
yeah we make a lot more up here in New Jersey, but driving is a whole different kind of miserable compared to Mississippi. What's a Mississippi traffic jam? Having another car in front of you at the stop sign?
at least we don't have to pump our own gas (there's a law against it).
I'm surprise that California didn't make the list. It is really expensive out here. My daughter was here recently from Las Vegas, and she was
shocked how much we pay for gas. We were over the $4.25 mark, and she filled up her tank at $3.50 a gallon! Couldn't believe it.
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