10 States Where Car Insurance Is Most Costly in 2019

Unhappy driver
Photo by Daisy Daisy / Shutterstock.com

No one enjoys paying for car insurance. But you’ll really feel the pain if your wheels are parked in a state on the U.S. East Coast.

Nine of the top 10 states with the most expensive car insurance are located on or very close to the Atlantic Ocean, according to a recent WalletHub survey.

In determining its rankings, WalletHub collected 2,800 quotes from 20 auto insurance companies across 47 states.

These are the 10 states with the highest costs, starting with the most expensive:

  • New York
  • Florida
  • New Jersey
  • Rhode Island
  • Louisiana
  • Delaware
  • Pennsylvania
  • Maryland
  • Georgia
  • Connecticut

By contrast, you’ll generally find lower car insurance costs in the nation’s interior. The five states with the lowest costs are:

  • Iowa
  • Vermont
  • Nebraska
  • Wyoming
  • South Dakota

It makes sense that insurance is so much more expensive in the highly populated East Coast than in the more sparsely populated Midwest and Mountain states.

Elisabeth Honka, assistant professor of marketing at the UCLA Anderson School of Management, told WalletHub that direct costs — in the form of claims — determine the rates that insurance companies charge:

“These costs are lower in states with fewer accidents (e.g. more rural state) and thus insurance rates are also lower. Secondary determinants of insurance rates are fixed costs, regulations, and demand-related factors.”

The three states that were not included in WalletHub’s analysis are Alaska, Hawaii and Michigan — the latter of which Insure.com has ranked as the most expensive state for car insurance for the past five years.

Those three states were not included because “not enough major insurers were able to provide quotes to our researchers in those states,” a WalletHub spokesperson tells Money Talks News.

How to lower your car insurance costs

Regardless of where you live, you can lower the price of your car insurance.

The best thing you can do is to shop around. But that doesn’t have to mean calling multiple insurers, talking to salespeople and waiting on hold for quotes.

Services like The Zebra and Gabi take the work out of the process by getting quotes for you. You can learn more about them in “7 Real Ways to Save on Your Car Costs.”

Another easy way to lower your costs is to drop comprehensive and collision coverage if your car is older. But this strategy involves a few potential risks. So, make sure you read “2-Minute Money Manager: Should I Drop My Comprehensive and Collision Car Insurance Coverage?” before moving ahead.

For more tips on reducing your auto insurance expenses, check out “The Complete Guide to Getting the Best Possible Deal on Car Insurance” by Money Talks New founder Stacy Johnson.

Do you have other great tips for slashing your car insurance premiums? Share them in comments below or on our Facebook page.

How to find cheaper car insurance in minutes

Getting a better deal on car insurance doesn't have to be hard. You can have The Zebra, an insurance comparison site compare quotes in just a few minutes and find you the best rates. Consumers save an average of $368 per year, according to the site, so if you're ready to secure your new rate, get started now.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Read Next
10 Products That Will Help You Save Money
10 Products That Will Help You Save Money

Sometimes, spending a little cash right now can save you a lot of money down the road.

10 Ways Anyone Can Earn More Income
10 Ways Anyone Can Earn More Income

Looking for additional cash? Here are a bunch of options that are accessible to anyone with internet access.

The 5 Worst Home Upgrades for the Money
The 5 Worst Home Upgrades for the Money

These home improvement projects basically never pay off.

7 Reasons Not to Move When You Retire
7 Reasons Not to Move When You Retire

Sunny skies and warm breezes sound great. But in reality, you might be better off retiring closer to home.

11 Expenses to Cut Now If You Want to Retire Early
11 Expenses to Cut Now If You Want to Retire Early

Like the idea of financial independence? Part of the FIRE equation is cutting costs.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Most Popular
This Gas Station Scam Is Victimizing More Drivers
This Gas Station Scam Is Victimizing More Drivers

For the second straight year, a growing number of Americans believe they’ve fallen prey to this scam.

7 Ways to Boost Your Credit Score Fast
7 Ways to Boost Your Credit Score Fast

Your financial security might soon depend upon the strength of your credit score.

This Is the Most Popular Age for Claiming Social Security
This Is the Most Popular Age for Claiming Social Security

Both men and women are most likely to start receiving Social Security benefits at this age.

Could You Give Up These 7 Expenses to Save Thousands of Dollars a Year?
Could You Give Up These 7 Expenses to Save Thousands of Dollars a Year?

You could save more than $30,000 by setting aside these costly expenses for just one year.

6 Things You Should Never Buy at Trader Joe’s
6 Things You Should Never Buy at Trader Joe’s

We love Trader Joe’s for plenty of reasons. But think twice about this handful of products.

7 Unusual Ways to Declutter Your Home
7 Unusual Ways to Declutter Your Home

Tired of possessions weighing you down? Here are seven ways to declutter painlessly and effectively.

Don’t Toss These 7 Household Items — Sell Them
Don’t Toss These 7 Household Items — Sell Them

Here’s how to earn cash as you give new life to these unwanted items.

6 Legal Documents Retirees Need — but Don’t Have
6 Legal Documents Retirees Need — but Don’t Have

Few retirees have these documents that are crucial to their golden years — especially during a pandemic.

19 High-Paying Jobs You Can Get With a 2-Year Degree
19 High-Paying Jobs You Can Get With a 2-Year Degree

These jobs pay more than the typical job in the U.S. — and no bachelor’s degree is required.

Eat This Food If You Want to Avoid Alzheimer’s Disease
Eat This Food If You Want to Avoid Alzheimer’s Disease

One type of food associated with the Mediterranean diet offers especially large benefits.

11 Expenses That Quietly Drain Your Wallet
11 Expenses That Quietly Drain Your Wallet

It’s scandalously easy to overspend in these areas of your life.

The 15 Worst States for Retirees in 2020
The 15 Worst States for Retirees in 2020

Based on dozens of metrics tied to affordability, quality of life and health care, these are not ideal places to spend retirement.

21 Things You Should Always Buy at a Dollar Store
21 Things You Should Always Buy at a Dollar Store

Dollar stores have great bargains on both everyday and occasional purchases.

9 Dumb Ways You Are Ruining Your Home Value
9 Dumb Ways You Are Ruining Your Home Value

Homeowners, beware these mistakes that can drive away potential buyers.

18 Amazon Purchases That We Are Loving Right Now
18 Amazon Purchases That We Are Loving Right Now

These practical products make everyday life a little easier.

3 Ways to Get Microsoft Office for Free
3 Ways to Get Microsoft Office for Free

With a little ingenuity, you can cut Office costs to zero.

7 Tips for Building an Emergency Stockpile
7 Tips for Building an Emergency Stockpile

A pandemic or natural disaster could leave you reliant on your existing food supply. Is your pantry prepared?

15 Outrageously Overpriced Products — and How to Save on Them
15 Outrageously Overpriced Products — and How to Save on Them

Retailers mark up products by hundreds of times their cost — but you don’t have to pay the premium.

Why Half of Retirees Now Owe Taxes on Social Security
Why Half of Retirees Now Owe Taxes on Social Security

Growing numbers of seniors are paying taxes on their Social Security benefits, but you might be able to avoid this fate.

View More Articles

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Add a Comment

Our Policy: We welcome relevant and respectful comments in order to foster healthy and informative discussions. All other comments may be removed. Comments with links are automatically held for moderation.