The car insurance comparison website surveyed rates from six major carriers across multiple ZIP codes in all 50 states and
"The car you drive matters, of course," said Insure.com consumer analyst
Last year's best-selling car, the Toyota Camry LE, costs an average of
Here are five least-expensive states, ranked on the average cost to insure 2015 editions of the 20 best-selling vehicles, and how they compare with the national average.
Here are the five most-expensive states and how they compare with the national average:
What accounts for dramatic differences from state to state, even for the same driver in the same car?
"Laws make a big difference. Each state makes its own rules, and some of them result in bigger or more frequent insurance claims," Gusner said.
Other factors that influence rates can include high theft rates, widespread fraud and a higher concentration of drivers in urban areas, Gusner said. Those also mean rates change not just from state to state but from ZIP code to ZIP code.
"Your driving record and your car are the same no matter where you live," she noted, "but change your ZIP code just a couple of towns the wrong way and your rates can double."
Insure.com commissioned Quadrant Information Services to calculate auto insurance rates from six large carriers (Allstate, Farmers, GEICO, Nationwide,
We averaged rates in each state for the cheapest-to-insure 2015 model-year versions of America's 20 best-selling vehicles and ranked each state by that average. Rates are for comparative purposes only within the same model year.
Rates are based on full coverage for a single, 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 (
Insure.com provides a comprehensive array of information on auto insurance, home insurance, health insurance, and life insurance. The site offers an extensive library of originally authored insurance articles and decision-making tools that are not available from any other single source, including its extensive car insurance discounts tool. Insure.com is owned and operated by
Penny GusnerConsumer Analyst, Insure.com (805) 492-2589 [email protected]
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