THE HIGH PRICE OF SAFE DRIVING
Feeling the pinch of rising car insurance rates? Drivers in the U.S. pay an average of $1,427 a year — up 20 percent from 2011, according to The Zebra's State of Auto Insurance Report. But depending on where you live, you could be on the hook for hundreds less — or more. Location is just one of the things that can affect your rate, but it's a biggie, according to Alyssa Connolly, director of market insights at The Zebra. "Factors like weather, local legislation, number of uninsured drivers, and crime rates all factor into … how risky it is to drive in that area."
We combed through The Zebra's data to find out where drivers are paying the least, where they're paying the most, and how much rates have changed since 2011. Rates are for 50/100/50 policies ($50,000 in injury liability for one person, $100,000 for all injuries, and $50,000 for property damage) and include comprehensive and collision coverage with a $500 deductible. We've also included the average premiums for liability-only policies that satisfy each state's minimum requirements.