What State Has The Highest Automobile Insurance Rates? 
That is a great question ! There is a company that commissions a survey every year to provide exactly the information that you asked for , and it was just released not too long ago . You 've got great timing ! They use the example of a 40 year old man with good credit and a clean driving record as their standard , driving a Toyota Camry , and poll 20 zip codes in each State . This years results gave an average national cost for that auto insurance as $ 1311 . The cheapest state was Maine , with an average cost of $ 805 , and the most expensive was Michigan at $ 2476 . It is very important to remember that those are averages , and can vary widely from zip code to zip code , and from driver to driver . Factors such as percent of uninsured motorists -LRB- Florida -RRB- , fatalities -LRB- Wyoming -RRB- and insurance laws -LRB- Michigan -RRB- all play major roles in costs . I lived in Michigan for many years , and can tell you that the `` no-fault '' insurance laws and the very generous medical payments that were allowed , along with the high theft rates made the insurance there much more expensive than it was in some other States that I 've lived in . Please take these survey numbers with a great bit of salt , as the costs within a State can vary greatly , and even in cities from suburb to suburb . I can tell you for a fact that my auto insurance in Chicago was far more expensive than it was when I was living in the rural countryside ... But there you go . Thanks for asking ! 