Discover the U.S. states with the highest auto insurance premiums and learn what factors influence these costs. This guide highlights key regions like New York, Michigan, Connecticut, and Florida, where residents face significantly higher rates due to urban density, theft rates, and insurance system factors. Staying informed helps consumers make better insurance choices and potentially save money by comparing quotes and understanding regional risks.

Are your auto insurance premiums higher than expected? The state you reside in can significantly influence your costs. Factors such as vehicle theft rates, accident injury claims, and proximity to urban centers contribute to elevated premiums in certain regions.

Below are the states with the most expensive car insurance premiums:

New York: Inhabitants throughout the state, including rural areas like Buffalo, often pay between $2,500 and $3,000 per year. Dense city living and higher accident risks drive these costs.

Michigan: Due to a high incidence of vehicle theft in Detroit and a no-fault insurance system, Michigan residents face hefty premiums, driven by extensive medical claim payouts regardless of fault.

Connecticut: Close to New York City, Connecticut drivers typically pay over $2,700 annually, influenced by urban-related risk factors.

Florida: The state's high Personal Injury Protection (PIP) fraud rates lead to increased premiums, with over a billion dollars in claims annually impacting costs.

Note: Insurance premiums vary based on local conditions, and rankings may shift over time. Comparing quotes regularly and staying updated with industry trends is recommended.