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2012 Auto Insurance Rates by State

Written by Michele Wilmonen. Posted in Research Last Updated: 11/17/2015

Congratulations to the many states that saw decreases in their insurance premiums in 2012.

It’s a new year and we have new leaders in the average premium rankings. Many states are breathing that sigh of relief that their insurance premiums went down this year (compared to last year’s premiums). Sadly, drivers in other states got hit in the wallets again with higher insurance premiums.

But, this is the way it goes every year.

Keep in mind also that these premiums are averages for your state; they may not accurately represent what you are paying for insurance. However, it may be time to start getting insurance quotes from new companies if your insurance premium went up and the state average went down.

 

State rankings of auto premiums, 2012

Rank State Average annual premium
1 Louisiana $2,536
2 Oklahoma $2,047
3 Michigan $2,013
4 West Virginia $2,002
5 Washington, D.C. $1,866
6 Montana $1,856
7 Rhode Island $1,830
8 Wyoming $1,732
9 California $1,709
10 Georgia $1,694
11 Connecticut $1,665
12 Texas $1,661
13 Florida $1,654
14 Delaware $1,652
15 New Jersey $1,608
16 Pennsylvania $1,598
17 Hawaii $1,594
18 Kentucky $1,572
19 Mississippi $1,502
20 Missouri $1,455
National average $1,438
21 Alaska $1,431
22 North Dakota $1,426
23 New York $1,413
24 Kansas $1,410
25 Massachusetts $1,378
26 Maryland $1,372
27 Alabama $1,345
28 Arkansas $1,334
29 Colorado $1,322
30 Utah $1,315
31 Washington $1,305
32 South Dakota $1,303
33 Indiana $1,301
34 Virginia $1,297
35 New Mexico $1,274
36 Minnesota $1,264
37 Nebraska $1,244
38 Oregon $1,241
39 Tennessee $1,228
40 Nevada $1,223
41 Illinois $1,192
42 Arizona $1,176
43 New Hampshire $1,133
44 South Carolina $1,108
45 Ohio $1,099
46 Vermont $1,063
47 North Carolina $1,022
48 Idaho $1,011
49 Wisconsin $987
50 Iowa $985
51 Maine $889
Information provided by insure.com

 

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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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