Auto Insurance Facts

Most Expensive States for Auto Coverage

• Washington D.C.

• New Jersey

• Louisiana

• New York

• Florida

• Massachusetts

• Rhode Island

• Delaware

• Nevada Connecticut

Least Expensive States for Auto Coverage

• North Dakota

• Iowa

• South Dakota

• Idaho

• Kansas

• Nebraska

• Wisconsin

• North Carolina

• Indiana

• Maine

Most Expensive Cities for Auto Insurance

• Detroit, Michigan

• Philadelphia, Pennsylvania

• Newark, New Jersey

• Los Angeles, California

• Hempstead, New York

Least Expensive Cities for Auto Insurance

• Eau Claire, Wisconsin

• Norfolk, Virginia

• Raleigh, North Carolina

• Burlington, Vermont

• Sioux Falls, South Dakota

Top Writers of Private Auto Insurance

• State Farm

• Allstate Insurance

• Berkshire Hathaway Insurance

• Progressive

• Zurich Insurance

• Nationwide Insurance

• Liberty Mutual

• USAA Group

• American International Insurance

• American Family Insurance

Factors That Affect Your Insurance Rates

• Motor Vehicle Records

• Insurance History (including past claims)

• Accidents and Violations

• Credit History (most companies will not look at your credit report but will use your credit history to determine which group the applicant is placed in)

Other Interesting Insurance Facts

• The type of car you drive affects your insurance rates, small sporty cars are going to be much more expensive than mid sized cars with many safety features.

• Comprehensive coverage is not the same as complete coverage, comprehensive coverage only means that your auto is covered in scenarios other than collisions such as vandalism, fire damage, theft, etc.

• It is possible to ask your insurance company for discounts, most companies offer various discounts such as safe driver, and student discounts among others.

• Never let your insurance policy lapse, driving without insurance will wind up being very costly and will affect you getting insurance with another company in the future.

• Pay semi-annually instead of monthly if possible, many companies will give you a discount if you are able to pay for your insurance six months at a time as opposed to monthly and this could ultimately save you a great deal of money.

Some further resources on auto insurance

• Insurance Facts – some interesting auto insurance facts from the Insurance Information Institute

• Surprising Insurance Facts – information on three little known facts about car insurance that could affect you

• Car Insurance for Teens – interesting facts regarding car insurance for drivers under 21

• IIHS – information on various topics regarding insurance from the Insurance Institute for Highway Safety