Top 10 Cheapest States for Car Insurance

Top 10 Cheapest States for Car Insurance

10. Arizona - $1,227 Average Annual Premium

Thinking of moving to another state and curious what insurance premiums might run you?

Insure.com has released its 2013 study that compared state-by-state annual insurance premiums based on insurance for a single, 40-year-old male who commutes 12 miles to work each day. Policy limits were set at $100,000 for injury liability for one person, $300,000 for all injuries, and $50,000 for property damage. The rates assumed the driver has a clean record and good credit and includes uninsured motorist coverage with a $500 deductible on collision and comprehensive coverage.

Kicking off the list is Arizona, with an average annual premium of $1,227. Nearly 6.5-million people live in the state, with its largest city being its capital, Phoenix. Public transportation is plentiful in the major metropolitan areas including Phoenix and Tucson while a light rail system known as the Valley Metro Light Rail connects Central Phoenix with the nearby cities of Mesa and Tempe.

  • Donna Chan

    even these are all way too much money, IMO.
    i live in NY (one of the more expensive states) and I only pay $25 monthly thru 4autoinsurancequote.
    why do these people pay so much? do they not shop around??

  • GuestToo

    People also have to factor in what coverage amounts they’ll have, what deductible they choose, etc. – which are the primary influences on what their premiums will be aside from what state they’re in as well. I myself have insurance in AZ, BUT because I dont have to worry about driving to a job every day, I can have insurance for a pleasure vehicle – which is also far more cheaper AND thats.w the best coverage of $300k COMBINED single limit across the board w only a $500 deductible/ collision & I only pay about $650/YR… Then again, I also have a perfect driving record/ history and am just shy of 50 – which are also top criteria in assessing premiums. Much younger drivers are higher risk, as are much older drivers… Along with if you’ve ever had an accident or ever filed a claim. People tend to forget about these things having a major impact. Then again, there’s also credit scores nowadays that have a big impact too…

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