4. Ohio - $1,106 Average Annual Premium
An average annual insurance premium of $1,106 nets Ohio the fourth place spot on this top 10 list. It is the seventh most populous state in America with over 11.5-million residents. Major cities include Akron and Canton, home of the Pro Football Hall of Fame. And of course there its capital, Columbus which is home to The Ohio State University. For us automotive enthusiasts, Ohio is home to 228 miles of the Historic National Road, now known as U.S. Route 40.