The 5 Most Costly Situations That Affect Car Insurance Premiums
Car insurance goes up for many reasons, but which are the most costly for drivers? This article has the answers.
Rank | State | Premium |
---|---|---|
1 | Michigan | $2,738 |
2 | Montana | $2,297 |
3 | New Jersey | $1,905 |
4 | Louisiana | $1,842 |
5 | Oklahoma | $1,778 |
6 | Washington, D.C. | $1,773 |
7 | California | $1,752 |
8 | Florida | $1,654 |
9 | Maryland | $1,610 |
10 | Rhode Island | $1,608 |
11 | Delaware | $1,607 |
12 | Georgia | $1,559 |
13 | Texas | $1,510 |
14 | West Virginia | $1,456 |
15 | Wyoming | $1,421 |
16 | Colorado | $1,393 |
17 | Connecticut | $1,367 |
18 | South Carolina | $1,353 |
19 | Arkansas | $1,345 |
20 | Alabama | $1,337 |
21 | Massachusetts | $1,325 |
22 | Pennsylvania | $1,305 |
23 | Kentucky | $1,295 |
24 | New Mexico | $1,277 |
25 | Mississippi | $1,277 |
26 | Oregon | $1,267 |
27 | Minnesota | $1,257 |
28 | Nevada | $1,221 |
29 | North Dakota | $1,188 |
30 | Nebraska | $1,188 |
31 | Arizona | $1,188 |
32 | South Dakota | $1,168 |
33 | Washington | $1,168 |
34 | Tennessee | $1,145 |
35 | Kansas | $1,135 |
36 | Indiana | $1,113 |
37 | Alaska | $1,078 |
38 | Utah | $1,061 |
39 | Missouri | $1,056 |
40 | New York | $1,050 |
41 | Hawaii | $1,049 |
42 | Illinois | $1,035 |
43 | Virginia | $1,020 |
44 | Iowa | $989 |
45 | North Carolina | $987 |
46 | Vermont | $942 |
47 | New Hampshire | $941 |
48 | Idaho | $935 |
49 | Wisconsin | $912 |
50 | Ohio | $900 |
51 | Maine | $808 |
National Average | $1,325 |
Age | Average Cost Per Year |
---|---|
16 | $8,226 |
18 | $6,456 |
21 | $3,620 |
25 | $2,374 |
30 | $2,078 |
35 | $2,028 |
40 | $1,973 |
45 | $1,929 |
50 | $1,855 |
55 | $1,845 |
60 | $1,867 |
65 | $1,956 |
70 | $2,131 |
State | Body Injury Liability per Person / Bodily Injury Liability per Accident / Property Damage Coverage Requirements |
---|---|
Alabama | $25,000 / 50,000 / 25,000 |
Alaska | $50,000 / 100,000 / 25,000 |
Arizona | $15,000 / 30,000 / 10,000 |
Arkansas | $25,000 / 50,000 / 25,000 |
California | $15,000 / 30,000 / 5,000 |
Colorado | $25,000 / 40,000 / 10,000 |
Connecticut | $20,000 / 40,000 / 10,000 |
Delaware | $15,000 / 30,000 / 10,000 |
District of Columbia | $25,000 / 50,000 / 10,000 |
Florida | $10,000 / 20,000 / 10,000 |
Georgia | $25,000 / 50,000 / 25,000 |
Hawaii | $20,000 / 40,000 / 10,000 |
Idaho | $25,000 / 50,000 / 15,000 |
Illinois | $20,000 / 40,000 / 15,000 |
Indiana | $25,000 / 50,000 / 10,000 |
Iowa | $20,000 / 40,000 / 15,000 |
Kansas | $25,000 / 50,000 / 10,000 |
Kentucky | $25,000 / 50,000 / 10,000 |
Louisiana | $15,000 / 30,000 / 25,000 |
Maine | $15,000 / 30,000 / 10,000 |
Maryland | $30,000 / 60,000 / 15,000 |
Massachusetts | $30,000 / 60,000 / 15,000 |
Michigan | $20,000 / 40,000 / 10,000 |
Minnesota | $20,000 / 40,000 / 10,000 |
Mississippi | $25,000 / 50,000 / 25,000 |
Missouri | $25,000 / 50,000 / 10,000 |
Montana | $25,000 / 50,000 / 10,000 |
Nebraska | $25,000 / 50,000 / 25,000 |
Nevada | $15,000 / 30,000 / 5,000 |
New Hampshire | $25,000 / 50,000 / 25,000 |
New Jersey | $15,000 / 30,000 / 5,000 |
New Mexico | $25,000 / 50,000 / 10,000 |
New York | $25,000 / 50,000 / 10,000 |
North Carolina | $30,000 / 60,000 / 25,000 |
North Dakota | $25,000 / 50,000 / 25,000 |
Ohio | $12,500 / 25,000 / 7,500 |
Oklahoma | $25,000 / 50,000 / 25,000 |
Oregon | $25,000 / 50,000 / 20,000 |
Pennsylvania | $15,000 / 30,000 / 5,000 |
Rhode Island | $25,000 / 50,000 / 25,000 |
South Carolina | $25,000 / 50,000 / 25,000 |
South Dakota | $25,000 / 50,000 / 25,000 |
Tennessee | $25,000 / 50,000 / 15,000 |
Texas | $30,000 / 60,000 / 25,000 |
Utah | $25,000 / 65,000 / 15,000 |
Vermont | $25,000 / 50,000 / 10,000 |
Virginia | $25,000 / 50,000 / 20,000 |
Washington | $25,000 / 50,000 / 10,000 |
West Virginia | $25,000 / 50,000 / 25,000 |
Wisconsin | $25,000 / 50,000 / 10,000 |
Wyoming | $25,000 / 50,000 / 20,000 |
Moving Violation | Average Percent Increase |
---|---|
DUI/DWI | 92.49% |
Reckless driving | 83.29% |
Speeding 31 + MPH over the limit | 29.26% |
Speeding 16 to 30 MPH over the limit | 28.06% |
Careless driving | 26.62% |
Driving the wrong way | 21.34% |
Speeding 1 to 15 MPH over the limit | 20.54% |
Improper passing | 20.30% |
Following too close | 18.86% |
Failure to stop | 18.94% |
Not yielding to a pedestrian | 18.78% |
Failure to yield | 18.71% |
Not signaling | 18.55% |
Violating railroad rules | 18.07% |
Driving in the carpool lane | 17.91% |
Driving without a license | 16.47% |
Not wearing a seat belt | 5.60% |