2. Iowa - $1,028 Average Annual Premium
Iowa comes in second place with an average annual insurance premium of $1,028. Mostly a rural state, the largest city in Iowa is Des Moines, with a population of about 200,000. With mostly small towns located throughout the state, residents joke that they’d probably know the person that they hit and generally aren’t quick to sue one another over car accidents in Iowa. The state in total has a population of slightly over 3 million.