Car insurance consumers in Massachusetts live in one of these states with the lowest average car insurance prices in the country. The average rate paid for coverage in 2010 was $1,043.80. This is well below the average cost of coverage in the United States, which is $1,580.
One factor that car insurance companies consider when determining pricing for their customers is the population level of a particular state. Choosing to live in a less-populated area means that the risk of having an accident is reduced, simply because there are fewer drivers on the road. Since lower risk means better rates, residents of states like Maine, Vermont and Ohio pay the lowest average rates for car insurance coverage in the country.
On the other hand, there are some states where the average cost of car insurance is well above the national figure. If you happen to live in Louisiana, you will be digging deep for your car insurance payment; the average cost of coverage in that state is a whopping $2,510.87!
Even a person who is living in a state where insurance coverage is relatively inexpensive should still shop around to get the best possible combination of a good level of coverage and affordable rates. It’s also important to ask the insurance company about the types of discounts it offers. There may be a number of them that a policyholder qualifies for.