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Risk factors that automobile insurance providers take into consideration when determining rates include what the laws are in the state. No-fault insurance laws tend to increase the average price for car insurance while having other benefits to them to consider. If a place has a large number of uninsured drivers or a low number of uninsured drivers, that can affect car insurance pricing as well. Outside of natural disasters, the number of vehicles on the road in a given area can increase the number of claims for that area, bringing prices up.
Some risk factors cannot be affected by drivers, such as age and gender. Other factors can be improved upon over time in many cases. This includes variables like your credit score. Increasing your credit score can not only save you on car insurance, but it can also help you get lower interest rates on loans and financing for vehicles and other things. If you have points on your license or a bad driving record, take care to drive safely and improve it. This is another way you can save money on an automobile insurance plan.
Regardless of the risks auto insurance providers see when they determine your rates, shopping around for the best prices on car insurance available in your area is essential. Each company uses different formulas to determine rates, and you can take advantage of this by utilizing the tools at State Insurance. Get the top prices for car insurance available here today.
Whether you are moving to a state that has higher prices on average or one that is on the lower end in terms of pricing for car insurance plans, keep in mind that there are many discounts on car insurance a person can get to help them save money. Also, comparison-shopping is one of the top ways to save on automobile insurance plans. There are numerous factors used to determine what a person pays for car insurance, including profession, gender, driving history, credit score, coverage level, as well as the specific location a person lives in.
State | Average Annual Rate |
Maine | $935.00 |
North Carolina | $950.00 |
Virginia | $1,008.00 |
New Hampshire | $1,037.00 |
Hawaii | $1,045.00 |
Ohio | $1,048.00 |
Wisconsin | $1,070.00 |
Iowa | $1,106.00 |
Indiana | $1,150.00 |
Vermont | $1,160.00 |
Idaho | $1,164.00 |
Alaska | $1,198.00 |
Washington | $1,205.00 |
State | Average Annual Rate |
Utah | $1,209.00 |
Illinois | $1,222.00 |
Massachusetts | $1,261.00 |
Nebraska | $1,284.00 |
Minnesota | $1,288.00 |
Arizona | $1,299.00 |
North Dakota | $1,325.00 |
Maryland | $1,327.00 |
South Dakota | $1,342.00 |
New Mexico | $1,355.00 |
South Carolina | $1,369.00 |
Wyoming | $1,375.00 |
Alabama | $1,387.00 |
State | Average Annual Rate |
Montana | $1,387.00 |
Pennsylvania | $1,390.00 |
Oregon | $1,393.00 |
Missouri | $1,410.00 |
West Virginia | $1,420.00 |
Tennessee | $1,423.00 |
Kansas | $1,476.00 |
Arkansas | $1,496.00 |
Mississippi | $1,539.00 |
Georgia | $1,546.00 |
Connecticut | $1,552.00 |
New Jersey | $1,671.00 |
Colorado | $1,757.00 |
State | Average Annual Rate |
New York | $1,688.00 |
Oklahoma | $1,786.00 |
California | $1,815.00 |
Texas | $1,827.00 |
Delaware | $1,828.00 |
Nevada | $1,975.00 |
Rhode Island | $2,110.00 |
Kentucky | $2,209.00 |
Florida | $2,309.00 |
Louisiana | $2,339.00 |
Michigan | $3,097.00 |
Use this table to get average annual rates for car insurance. If you are purchasing a new vehicle, keep in mind that the make, year, and model of your car can affect your insurance rate. Also remember that these are car insurance averages in the state, and you may pay more or less than these averages based on your age, driving record, credit, and other factors.
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