We all know that car insurance can be exceptionally expensive. If you’re trying to figure the cheapest places to find car insurance you need to check out the differences between states. Car insurance rates are decided based on a lot of factors including your age, your driving experience, and also the car you drive. But did you know that location has a bearing on your quote? Check out the 5 cheapest US states to find car insurance.
5. New Hampshire
With roughly over 1.3-million residents living in New Hampshire, the rates of insurance are relatively cheap at an average premium of $1,112 per year. New Hampshire is the 5th smallest state in the country and features a well-maintained and well-signed highway network. The state has eleven public transit authorities which operate the local and the regional bus services in the state – with this level of catering for public transit, more people are encouraged to commute to work rather than drive. This lowers the average of accidents considerably, and therefore insurance policies follow suit.
The state of Ohio has an average insurance premium of $1,106 per annum. The state is ranked as number 7 in the most populated states in America with more than 11.5-million people residing in the state. The major cities of Ohio include; Akron and also Canton which is a home to the Pro Football Hall of Fame and Columbus, its capital, where Ohio State University is situated. For the automotive fanatics, Ohio has a 228-mile Historic National Road which is currently known as the U.S. Route 40.
3. North Carolina
North Carolina Features an average premium of $1,085 annually. It has a population of over 9.75 million. The state has 100 counties with the largest city being Charlotte. North Carolina features the second biggest state highway in the U.S. as well as the largest ferry system found on the eastern coast. The state has also been awarded in the past for having the cleanest public spaces and highways in the US.
Iowa almost wins but lands a respectable 2nd place with an average annual insurance premium cost of $1,028. It is most of all a rural state and the biggest city is Des Moines. The city has a population of nearly 200,000. The state mostly features small towns which are located throughout. The residents often joke that they would probably know someone if they were to accidentally hit them with their car and are therefore less likely to sue each other over accidents! With a population of just over 3 million people, it seems unlikely that residents know everyone, but all the same, their unwillingness to sue each other means that their premiums are much lower than most of the country!
Finally, Maine is the cheapest state in the US in terms of car insurance. Maine has an average insurance premium of only $934 per year – less than any other place. One of the major factors to the low insurance rates of Maine is because of it being very rural with very few people driving in the city. Other factors that contribute to these cheap premiums of insurance are the tight restrictions of the state on their young drivers and the graduated licensing program in the state – those under 18 have restrictions on when they can drive and who they can transport in their cars and there is zero tolerance for driving after consuming alcohol for those under 21. The rules seem to work though as Maine’s 1.3 million residents enjoy the smallest premiums in the entire country!
Featured Image: depositphotos/monkeybusinessPosted on March 23, 2017