What State Has The Highest Automobile Insurance Rates? 
The most expensive car insurance rates are typically found in Louisiana , New Jersey , New York , Nevada , Florida , and Michigan . Prices are typically high in these states for a combination of factors that include high cost of vehicle repairs , larger number of uninsured drivers , larger percentage of younger drivers , and more accidents per resident . Other factors can impact auto insurance prices including the incidence of natural disasters in that state , along with the type of weather . For instance , many Northeastern states have been battered with higher-than-expected snowfall totals , which has caused a spike in the number of reported accidents . As demographics of states change , including the percentage of younger/older drivers on the road , prices can also change . Other states that often have higher-than-average auto insurance prices include Delaware , Alaska , Maryland , Texas , and Connecticut . States that often feature some of the cheapest rates include Iowa , Idaho , Wisconsin , North Dakota , Maine , Ohio , and South Dakota . IMPORTANT NOTE : This question was answered by Ed Harris , one of the premier car insurance brokers in the US , with more than 34 years of experience helping consumers find the best auto insurance options . One of his top-rated websites is Carinsurancezoom.org , which allows consumers to instantly view the companies that offer the cheapest prices in their zip code . 