1. Louisiana - $2,699 Average Annual Premium
Finally, the most expensive state for car insurance in 2013 is Louisiana with an average annual premium of $2,699. Compared to the rest of the country, data shows that Louisiana drivers who get into accidents file more bodily injury claims than drivers in other states. The state also has a high rate of comprehensive claims, including damage from natural disasters. Some point to Louisiana’s judicial system for having expensive insurance rates; the state has lawsuits with claims under $50,000 going before a judge rather than a jury. Many believe elected judges are more likely to side with the local residents than insurance companies.