![]() Notably, drivers in no-fault states such as Florida and Michigan pay more for auto insurance than drivers in other states. Several factors influence your car insurance rates such as your driving record, gender, age, location, credit score and the vehicle you drive.įlorida, which had the third-highest rates in 2021, took the top spot from Louisiana.Florida has an average insurance rate of $2,560, making it about 52% more expensive than the national average.The average premium in Ohio is $1,023, almost 40% less than the national average.On the other hand, Ohio, with average insurance premiums of $1,023 a year, is the state with the cheapest car insurance rates this year. The Pelican State, Delaware, Michigan and California followed as the most expensive states in the country for auto insurance. The reason these states come with sky-high premiums varies everything from unique insurance schemes to high-density populations. Additionally, an increased number of uninsured drivers and costly lawsuits will always push up premiums. Still, rates in Florida are unmatched - there is a $445 difference between the Golden State and first-place Florida. Florida’s rates are exceptionally high due to weather, as well as a large number of teen, senior and uninsured drivers on the road. When it comes to low-priced states, Ohio has the cheapest rates in 2022. Maine came in second, followed by Idaho, Vermont and Oregon. In Ohio, the average premium is $1,023, which is about 40% less than the national average, which is $1,682. ![]() $ Difference from last 3 year’s average rate Rates in Ohio appear to be cheaper than the rest of the country because prices aren’t increasing as quickly and more people opt for minimum liability coverage. #1 Florida: Weather, older and younger drivers and tons of uninsured driversįlorida is the most expensive state for car insurance premiums, rocketing to first place in 2022 after hanging in third place for five years in a row.
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