News & Views



American Honda will, from time to time, place collision industry magazine articles at this site addressing news, issues, and trends that could be of interest to consumers.


These articles are offered as informational only, reprinted as found in various collision industry magazines, and do not necessarily represent the position or opinion of American Honda.


Wednesday, March 20, 2013

2013 Car Insurance Rates by State

Louisiana and Michigan have been one of the top three most expensive states for car insurance since Insure.com began its annual survey in 2010. This year, Georgia rose from number 10 in 2012 to become the third-most expensive state, bumping Oklahoma to fourth place.

Maine and Iowa held the bottom two spots on the list last year and have been in the bottom 10 since 2010.

The insurance website's state rankings are meant to show the relative cost of auto insurance among states.

Insure.com commissioned Quadrant Information Services to provide auto insurance rates for more than 750 car models from six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm) in 10 ZIP codes per state. The quoted rates were then averaged for all vehicles in each state to create the rankings.

Rates are based on insurance for a single, 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Rates were compiled in December 2012.

Insure.com's 2013 list of car insurance rates by state

1 Louisiana $2,699.00 26 Kansas $1,435.00
2 Michigan $2,520.00 27 Minnesota $1,432.00
3 Georgia $2,155.00 28 New Mexico $1,431.00
4 Oklahoma $2,074.00 29 Tennessee $1,408.00
5 Washington, D.C. $2,006.00 30 South Dakota $1,397.00
6 Montana $1,914.00 31 Oregon $1,387.00
7 California $1,819.00 32 Nebraska $1,384.00
8 West Virginia $1,816.00 33 New York $1,369.00
9 Rhode Island $1,735.00 34 Florida $1,364.00
10 Kentucky $1,725.00 35 Mississippi $1,345.00
11 Connecticut $1,723.00 36 Nevada $1,341.00
12 New Jersey $1,697.00 37 Illinois $1,322.00
13 Alabama $1,667.00 38 Virginia $1,322.00
14 Missouri $1,638.00 39 South Carolina $1,288.00
15 Massachusetts $1,625.00 40 Colorado $1,271.00
16 Pennsylvania $1,604.00 41 Wisconsin $1,228.00
17 Delaware $1,586.00 42 Arizona $1,227.00
18 Hawaii $1,583.00 43 Washington $1,226.00
19 Arkansas $1,545.00 44 Indiana $1,183.00
20 Texas $1,545.00 45 Vermont $1,176.00
21 Maryland $1,528.00 46 Idaho $1,133.00
22 North Dakota $1,501.00 47 New Hampshire $1,112.00
23 Wyoming $1,496.00 48 Ohio $1,106.00
24 Alaska $1,455.00 49 North Carolina $1,085.00
25 Utah $1,438.00 50 Iowa $1,028.00
51 Maine $934.00
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