3. North Carolina - $1,085 Average Annual Premium
An average annual premium of $1,085 is good enough to land North Carolina in the third place spot. With over 9.75-million residents, its largest city is Charlotte and the state is composed of 100 counties. North Carolina is also home to the second largest state highway in the country and the largest ferry system on the east coast. In 2011, the American State Litter Scorecard awarded North Carolina a highest ‘best’ rating for having some of American’s cleanest public spaces and highways.