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No matter where you live, you can save money on coverage by doing a car insurance comparison of at least three different companies. That’s because each insurer uses its own formula when deciding what you pay, so the price for the same policy can differ by hundreds of dollars. You should shop your policy at renewal time each year, and also if you’ve moved, had an accident, bought a car or home, had a change in your credit score, got married or added a driver to your policy.


Weighted rankings were calculated based on the following:

  • Percentage of annual income spent on car insurance: 20%
  • Deaths per 100 million vehicle miles traveled: 20%
  • Annual extra vehicle repairs/operating costs due to driving on roads in need of fixing per motorist: 15%
  • Traffic congestion: 15%
  • Average regular gas prices: 10%
  • Percentage of roads in poor/mediocre condition: 10%
  • Percentage of uninsured motorists: 5%
  • The average cost of car repairs: 5%


  • Average annual cost of insurance
  • CarInsurance.com commissioned Quadrant Information Services to field rates from six major insurers in 10 ZIP codes of each state
  • Median household income
  • 2016 U.S. Census data
  • Deaths per 100 million vehicle miles traveled
  • Insurance Institute for Highway Safety, 2016
  • Traffic congestion
  • Federal Highway Administration 2010 data for number of registered vehicles and 2013 data for public road mileage
  • Gas prices
  • American Automobile Association, April 11, 2018
  • Percent of roads in poor/mediocre condition
  • Estimated cost per motorist in the state to repair roads and bridges
  • U.S. Department of Transportation, 2016
  • Uninsured motorists
  • Insurance Information Institute, 2015 (posted in 2017)
  • Repair costs
  • CarMD, 2017

Note: Some of these data points did not include the District of Columbia. In those cases, we gave the district the median rating in the weighted average.




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