Compare Car Insurance Rates By State

When you compare car insurance rates by state, there are several things that you need to consider. All vehicle coverage rates will vary, not only depending on what state you live and drive in, but also based on your individual lifestyle and driving needs. Someone who lives in drives in California is going to have a much different rate than someone who lives and drives in Maine. However, a 55 year old male living in Maine will also have a much different premium than a 25 year old living in the same neighborhood.

Factors Affecting Car Insurance Premiums

Keep in mind when you compare car insurance rates by state that average rates will constantly fluctuate month by month and year by year. While one state may have extremely high coverage one year, it might drop well below the national average the next year. Some of the states that remain high on vehicle coverage include New York, District of Columbia and New Jersey. Rhode Island, Massachusetts and Connecticut follow closely behind with rates well above the national average. Some of the states that have constantly ranked well below the average include Maine, Idaho and Iowa and this is import to keep in mind as you compare cheapest car insurance options.

When you compare automobile insurance rates by state, you may notice that the average prices are largely dependent on the amount of coverage required by law in that state. The states that come with higher basic coverage limits often also come with higher average car insurance rates. Another thing you may notice when you compare car insurance rates by state is that many states that see their fair share of poor weather also come with higher rates.

The cost of living in that state will also impact your car premium. This is another thing to consider when you compare car insurance rates by state. Be sure to also compare the cost of living, the average incomes and the standard house prices when you compare prices. You may notice they are all very closely linked. Furthermore, the crime rate, theft, vandalism and poverty line will also impact the average rate. States with high crime statistics will also most likely come with higher coverage premiums as well.

Compare Cheap Insurance Quotes

However, do not feel too frustrated by the high price quotes in your state; before you pack up and move to another state that offers cheaper prices, it is important to understand that, while where you live will impact your vehicle coverage, this is not the only thing that makes up your premium. There are a number of factors that will impact your rate including your age, your car of choice, your driving history, where you live and how much you drive.

Young drivers will often find that, when they compare car insurance rates by state, they are offered the highest premiums out there. This is simply because young drivers under the age of 25 are, statistically speaking, more likely to be in a car accident. Furthermore, if you are new to the road, you do not have the driving history to warrant a cheap rate. Be sure to compare the different policy and provider options to find a company that works with young driver coverage needs.

The type of car you drive will also make a difference when you compare vehicle insurance rates by state. The safer your vehicle is, the better quotes you can expect. Be sure to also compare the theft, safety and collision rating on any new vehicle to get a better indication on what the car insurance rates will be like. In general, SUV's and larger cars come with a much lower quote than convertibles, small cars and foreign imports.

Compare Coverage Discounts

Regardless of what city you call home, it is important to remember that a lot of factors will impact your vehicle coverage premium. When you compare auto insurance rates by state, the average price may be important as a starting point but you should never choose your coverage based on this price. After all, if you have a family to support, own an expensive vehicle or do a lot of driving, you may want to look into higher coverage and limits and thus higher premiums as well. Furthermore, if you are a high risk driver, such as under the age of 25 or a city driver, then you can also expect higher premiums than the average.

The most important thing to remember when you compare car insurance rates by state is that, while this is a good way to get an indication of where you stand, your car insurance needs will most certainly differ from the ‘average' driver. After all, you are an individual and your car insurance premium should reflect your unique lifestyle and personalized protection needs.

Compare Car Insurance Quotes