Best and Worst States for Car Insurance: Does Safety Matter?

Insurance.com publishes a monthly listing of car insurance rates.  We thought you might like to see March results.

We also thought it might be interesting to see if safe drivers as measured by the annual GMAC driver safety study had a measurable benefit in insurance rates.

The Best State for Car Insurance is Vermont with an estimated annual premium of $1,304.  It ranks 18 in the GMAC Safe Driver Study.  The 4 other Best States for Car Insurance, i.e. the lowest premiums, are Ohio, Iowa, Wisconsin and Idaho.  The safest state of the top 5 according to GMAC is Idaho with a safe driver rank of 4.  The safest driver state, Kansas, ranks 22 in car insurance premiums.

The Worst State for Car Insurance,( we put DC in a world of its own), is Louisiana with a premium of $2617 more than double that of Vermont!!!  It also ranks 44 on the GMAC Safe Driver Study.  New Jersey the Worst State for Safe Driving in the US has one of the highest car insurance rates rate just below Louisiana.  Rounding out the Worst States for Car Insurance are Delaware, Rhode Island and Pennsylvania.  All these state rate below average in the GMAC study.

Of the popular retirement states Tennessee is best rated for low premiums at 11.  Arizona at 25 and Florida at 36 are more middle of the pack

Car Insurance rates have dropped over the last 6 months yet are still higher than a year ago.  From a look of the list it appears that drivers who know the rules of the road benefit from safer roads and lower car insurance premiums.  It may be beneficial for insurance companies to offer discounts to drivers who take a car exam annually that demonstrates they know the rules of the road.

State Premium $$ Change % Change Safe Rank
1 VT $1,304 $47 3.70% 18
2 OH $1,320 $1 0.10% 26
3 IA $1,335 ($32) -2.30% 9
4 WI $1,348 ($28) -2.00% 12
5 ID $1,396 $14 1.00% 4
6 ME $1,406 $59 4.30% 31
7 NH $1,504 ($64) -4.10% 30
8 IN $1,528 $25 1.70% 11
9 SD $1,550 $97 6.70% 6
10 IL $1,559 $19 1.20% 32
11 TN $1,563 $1 0.00% 33
12 MT $1,573 ($39) -2.40% 15
13 NC $1,577 ($42) -2.60% 22
14 OR $1,586 ($23) -1.40% 8
15 AL $1,611 $29 1.80% 15
16 CO $1,611 ($28) -1.70% 15
17 NE $1,625 $91 5.90% 3
18 GA $1,626 ($46) -2.70% 47
19 MO $1,629 $5 0.30% 14
20 SC $1,638 ($24) -1.50% 39
21 VA $1,667 ($78) -4.50% 40
22 KS $1,668 $4 0.30% 1
23 ND $1,722 $58 3.50% 21
24 MN $1,728 $97 5.90% 5
25 AZ $1,739 ($93) -5.10% 36
26 CA $1,813 ($15) -0.80% 33
27 NM $1,845 ($16) -0.90% 22
28 UT $1,864 ($35) -1.90% 13
29 WA $1,882 $34 1.80% 9
30 OK $1,900 $54 2.90% 22
31 TX $1,921 ($55) -2.80% 18
32 AR $1,929 $17 0.90% 6
33 WY $1,934 $16 0.90% 2
34 MS $1,953 $19 1.00% 46
35 KY $1,984 ($52) -2.60% 29
36 FL $2,015 $8 0.40% 28
37 MI $2,076 ($49) -2.30% 18
38 CT $2,095 ($56) -2.60% 33
39 WV $2,095 $76 3.80% 43
40 NV $2,142 ($40) -1.90% 36
41 MD $2,144 ($48) -2.20% 42
42 PA $2,248 $65 3.00% 36
43 RI $2,356 ($32) -1.30% 41
44 DE $2,520 $11 0.40% 26
45 NJ $2,556 $14 0.50% 51
46 LA $2,617 $3 0.10% 44
47 DC $2,862 ($18) -0.60% 50
48 NY n/a 49
49 MA n/a 48
50 HI n/a 45
51 AK n/a 6

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