How Much Does Liability Insurance Cost For A Car

How Much Does Liability Insurance Cost For A Car
 

liability insurance ranges from $242 to $736 annually, with an associate overall national average of around $471. Sunshine State ranks highest at $736 annually, and Peace Garden State ranks because of the least high-ticket state at solely $242 annually. per the Insurance info Institute, the common value of a bodily injury liability claim is around $13,462, and also the average property injury liability is $2,873.

But for what it’s value, the common quantity spent to insure an automobile within the U.S. was $815 a year in 2012, in line with the National Association of Insurance Commissioners. However, as anyone WHO pays a lot of less — or a lot of — that $815 a year will tell you, there area unit plenty of variables that have an effect on your insurance rates.

How Much Does Liability Insurance Cost For A Car

Different regions will have terribly totally different average motorcar rates. Insurance firms have higher premiums in states and regions that have a lot of risks, for instance. The regional factors that impact typical motorcar insurance rates include:

1. The roads most-traveled

The roadways you employ to induce to and from home are necessary factors in your automotive vehicle insurance rates. The regional statistics on traffic accidents in your space, yet as to whether or not you drive in Associate in Nursing urban or rural zone might impact your automotive vehicle insurance premiums.

2. Climate and natural disasters

In regions wherever their square measure magnified natural hazards, like blizzards and hurricanes, there’s a bigger risk of harm to your property. There {are also|also square measure|are} additional dangers once you are driving: in some states, icy roads or sturdy snowstorms produce slick highways. though you’ll be able to observe being a secure driver in these conditions, alternative drivers on the road might not be therefore cautious.

StateAverage spent on car insurance (rank)Average premium for a complete policy (rank)
Alabama$659 (37)$1,320 (22)
Alaska$873 (13)$1,410 (18)
Arizona$781 (18)$1,103 (37)
Arkansas$679 (35)$1,239 (27)
California$749 (22)$1,643 (9)
Colorado$737 (25)$1,245 (26)
Connecticut$986 (9)$1,690 (7)
Delaware$1,065 (6)$1,542 (13)
District of Columbia$1,154 (2)$1,799 (3)
Florida$1,127 (4)$1,742 (5)
Georgia$768 (20)$1,519 (14)
Hawaii$735 (27)$1,114 (34)
Idaho$534 (51)$877 (49)
Illinois$731 (28)$1,079 (39)
Indiana$637 (40)$1,033 (41)
Iowa$561 (49)$886 (48)
Kansas$632 (42)$1,147 (33)
Kentucky$759 (21)$1,341 (21)
Louisiana$1,112 (5)$1,774 (4)
Maine$582 (47)$805 (51)
Maryland$966 (11)$1,590 (11)
Massachusetts$976 (10)$1,460 (16)
Michigan$1,048 (7)$2,476 (1)
Minnesota$718 (29)$1,222 (29)
Mississippi$748 (23)$1,584 (12)
Missouri$683 (34)$1,112 (35)
Montana$658 (38)$1,866 (2)
Nebraska$616 (44)$1,086 (38)
Nevada$906 (12)$1,248 (25)
New Hampshire$716 (30)$905 (47)
New Jersey$1,129 (1)$1,595 (10)
New Mexico$695 (32)$1,237 (28)
New York$1,152 (3)$1,013 (42)
North Carolina$611 (45)$986 (44)
North Dakota$576 (48)$1,377 (19)
Ohio$634 (41)$843 (50)
Oklahoma$737 (26)$1,496 (15)
Oregon$741 (24)$1,211 (30)
Pennsylvania$827 (16)$1,304 (23)
Rhode Island$1,034 (8)$1,656 (8)
South Carolina$772 (19)$1,210 (31)
South Dakota$556 (50)$1,180 (32)
Tennessee$673 (36)$1,263 (24)
Texas$858 (14)$1,449 (17)
Utah$713 (31)$1,059 (40)
Vermont$642 (39)$957 (45)
Virginia$691 (33)$1,008 (43)
Washington$809 (17)$1,110 (36)
West Virginia$846 (15)$1,716 (6)
Wisconsin$598 (46)$930 (46)
Wyoming$618 (43)$1,371 (20)
National average$815$1,311

Remember that one in every of the simplest stuff you will do to avoid wasting on insurance has nothing to try and do with WHO you’re, wherever you reside, the coverage you choose, or however you drive. Instead, it’s easy comparison shopping: you ought to continuously go searching to create certain you get the simplest deal, since every company places a rather completely different stress on the factors I printed on top of.