Car Insurance Statistics, State-by-State

October 7, 2010 | Posted By: Stephen Cline
If you’ve ever felt that you are paying too much for car insurance, then this information can help.

Check on state averages, as well as the national average, to find out what the going rate should be in your area.

Anyone paying more than $2,500 a year for car insurance should be aware: the national average is only $1,567, with much lower rates in more than half of the United States. The next time you hear a commercial that prompts you to switch insurance brands, maybe you should really consider changing states.

The lowest annual insurance rate average is in Hawaii, whereas the most expensive states, predictably,
are in New England. But before you pack your bags and sail away to Hawaii, consider the state-by-state minimum requirements that are shown above: Hawaii has a 20/40/10 ratio, while Oklahoma and Louisiana are both 10/20/10.

More importantly, the information about pedestrian fatalities reveals that Washington, DC is the most dangerous place to live concerning fatal car crashes, with 3.2 deaths per 100,000 people, and Hawaii is the safest, with just 1.9 fatalities per year.

Before you fall for one of those cute car insurance advertisements with geckos, ducks, and Flo, make sure you do your homework, and know the averages for your state. It could save you a lot of money!

Written by guest contributor Stephen Cline.
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October 29, 2010 | Posted By: wanetahauck
State wise minimum liability is decided after studying the accident related statistics of a state while rates are decided after taking stock of the average amount of claims made in a place.

November 11, 2010 | Posted By: kcfarron
This is pretty inacurrate insofar as I can tell - at least as far as the Michigan statistics. Perhaps Detroit just doesn't weigh as heavily since the great migration? I live in Detroit, granted my house was foreclosed on so my credit is not the best right now, and $192 is the lowest I could find through Unitrin. I have a squeaky clean record otherwise (background and credit) and, all my other bills are on time, I'm a law student AND I park in a fully cinder-block enclosed garage. When I "officially" lived at my parents house an hour outside the city I paid $70/mo for full coverage. Since I moved, every other company I got a quote from (Progressive, State Farm, Farmers, AAA, Geicko, Allstate) wanted between 333/400/mo.

Another statistic you might want to provide is the number of unregistered/uninsured drivers per state. In Michigan, it's interesting because the burden has been shifted to the 85% working folk (like me - law school is at night) because the risk of the claimant having to cover for unregistered/uninsured drivers/hit and runs to the point where no one can afford it, so many people are just going without insurance because they don't have any assets anymore, anyways so they probably won't get sued because they have nothing to give. The entire culture is like that. And for the record, after school, I do plan on moving to another state (or country)!
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