Donate Car to Charity California, Donate Car for Tax Credit, Donate Cars in MA, Donate Your Car Sacramento, How to Donate A Car in California, Donate Your Car for Kids, Donate a Car in Maryland, Donating a Car in Maryland, Donate Cars Illinois, Donate Old Cars to Charity, Met Auto, Car Donate Here are the most & least expensive states for car insurance in 2018 Auto insurance used to be one of those bills that was generally a manageable expense that justified itself by offering you peace of mind and protection from the actions of others. While it may still be mostly manageable — and no doubt necessary — it is increasingly an expense paid with vexation. That’s because car insurance rates are skyrocketing, particularly recently, according to a recent report from insurance search engine The Zebra. The findings, laid out in detail in the company’s State of Auto Insurance Report, reveal that auto insurance premiums have reached an all-time high and are up a whopping 20% from 2011. There are multiple reasons for the rising rates, most of them totally out of the driver’s control. They include the expensive technology being built into vehicles these days and the higher frequency of accidents due to an increase in distracted motorists. Whatever the reasons, though, the reality is that for the foreseeable future there is little relief for our wallets on the road ahead. The average annual car insurance premium is $1,427, according to the report. The state with the highest rates is Michigan, the nation’s auto capital. The state with the lowest average rates? North Carolina. Here is a state-by-state breakdown of auto average insurance rates: Here’s a list of 2018 auto insurance rates by state Alabama — $1,358 Alaska — $1,152 Arizona — $1,247 Arkansas — $1,458 California — $1,713 Colorado — $1,435 Connecticut — $1,544 Delaware — $1,700 District of Columbia — $1,464 Florida — $1,878 Georgia — $1,388 Hawaii — $1,079 Idaho — $1,018 Illinois — $1,120 Indiana — $1,133 Iowa — $1,015 Kansas $— 1,427 Kentucky — $2,050 Louisiana — $2,225 Maine — $927 Maryland — $1,240 Massachusetts — $1,201 Michigan — $2,610 Minnesota — $1,258 Mississippi — $1,800 Missouri — $1,334 Montana — $1,615 Nebraska — $1,184 Nevada — $1,802 New Hampshire — $1,083 New Jersey — $1,679 New Mexico — $1,331 New York — $1,582 North Carolina — $865 North Dakota — $1,230 Ohio — $1,037 Oklahoma — $1,542 Oregon — $1,377 Pennsylvania — $1,433 Rhode Island — $2,004 South Carolina — $1,361 South Dakota — $1,268 Tennessee — $1,315 Texas — $1,810 Utah — $1,112 Vermont — $1,027 Virginia — $901 Washington — $1,160 West Virginia — $1,378 Wisconsin — $1,040 Wyoming — $1,338 These numbers constitute a convergence of several factors that modern motorists face, according to Adam Lyons, founder and executive chairman at The Zebra. “Insurance companies leverage thousands of data points to determine car insurance rates – things like your age, driving record, and even your credit score,” Lyons says in a summary of the report. “Today, we’re also seeing extraordinary forces like overnight tech innovation and devastating natural disasters impacting rates.” The Clark-approved way of finding affordable car insurance Money expert Clark Howard says affordable insurance is out there— but it takes a lot of work to find it. Instead of using the internet, you may have to pick up the phone. “Comparison sites are really just lead generation services,” Clark says. “You have to shop individually with different insurers [by] calling them all.” For more information on this, see how to shop for car insurance. Best and worst auto insurance companies Thinking about shopping your auto insurance? A huge percent of people never shop their insurance needs — and that’s a bad idea considering that modern American business punishes loyalty, rather than rewarding it. Car insurance ads on TV promise accident forgiveness, vanishing deductibles and other selling points. But those features are just a side show to the main act, which is a company’s reputation with satisfying customers after a claim is made. Read more: Car insurance rates: Geico vs. Progressive vs. Amica vs. State Farm Best and worst auto insurers Consumer Reports took a look at the auto insurance industry by surveying more than 64,000 readers about their satisfaction on the claims process, the cost of premiums and the overall customer experience. Here are the winners and losers, according to the magazine: 10 top-rated insurers (#1 is best) Amica Insurance New Jersey Manufacturers Insurance Company USAA Property & Casualty Auto Club Group Erie Insurance Group PEMCO Mutual Insurance Company The Cincinnati Insurance Company Auto-Owners Insurance Group of Companies Auto Club Enterprises Insurance Group Travelers Group 10 lowest-rated insurers (#1 is worst) MAPFRE North America Group MetLife Auto & Home Group Mercury General Group Progressive Insurance Group Liberty Mutual Insurance Companies Nationwide Group Allstate Farmers Insurance Berkshire Hathaway Insurance Group (Geico) State Farm When it comes to car insurance, be sure the deductible you have isn’t too low. Having a low deductible pushes premiums higher. It could also tempt you to make a claim for a small incident that will leave you in trouble with insurers going forward. You never want to make a claim on auto insurance for something small — like a cracked windshield or a broken side-view mirror — because the consequences are so ugly. The insurer can surcharge you for a number of years; eliminate the discounts you would otherwise qualify for; or put a black mark on your C.L.U.E. report, a little-known industry database of claims. The latter effectively limits your ability to shop with the competition for 36 months.
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