Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • Most car loan calculators do not factor in the cost of car insurance
  • Where you live is a big factor when it comes to car insurance rates
  • Car insurance rates are based on risk and with higher risk means higher premiums

Densely populated areas represent a higher risk of drivers to be involved in a car accident, become a victim of auto theft or vandalism.

Car insurance rates are based on risk and with higher risk means higher premiums, however, where you live is just one factor. Other factors include your driving record, the type of car insured, its type of use and even sometimes how a vehicle is stored.

All in all, there can be hundreds of factors which are used to calculate the risk of your profile to return a car insurance quote.

Enter your zip code above for FREE car insurance quotes today!

What states have the most expensive car insurance rates?

Every year, members of the insurance industry publish data about the auto insurance market and defining the ten most expensive states for car insurance rates.

In 2010, Insure.com published a list of the states with the highest average car insurance rates.

Here are the top 10 most expensive states:

  1. Louisiana  –  $2,510.87
    2. Michigan  – $2,098.29
    3. Oklahoma  – $1,869.39
    4. Montana  –  $1,857.96
    5. California  –  $1,774.41
    6. South Dakota  –  $1,772.83
    7. Washington, D.C.  – $1,753.19
    8. Georgia – $1,751.42
    9. Illinois – $1,679.15
    10. Connecticut  – $1,678.90

Most consumers use auto loan financing, and most car loan calculators do not factor in the cost of car insurance.

Using data from reports like this can at least provide you with an estimate of how much your financial obligation will be for both your car insurance premiums and your auto loan payment.

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How can I find out my exact car insurance rates?

The only way to know your exact car insurance rates is when you decide on the type of car to insure.

Since car insurance rates are based on some factors including the type of car protected it’s critical to have the make and model of the vehicle available when comparing car insurance company quotes.

With that said, its imperative you always contact a car insurance company before actually making the purchase. These numbers are merely averages, and your rates will be based on your unique profile which could be higher or lower.

This all depends on whether or not you have high-risk factors such as a young driver, a DUI charge or a luxury vehicle.

Ready to compare car insurance company quotes? Enter your zip code below for FREE car insurance quotes today!