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Insurance premiums remain among the costliest components of auto ownership, with the average rates for family sedans rising by 3.4 percent last year, according to the AAA in Orlando, Florida. While premiums are largely based on one?s driving record and personal profile, the make, model and type of car owned and how many miles it?s driven a year, a motorist?s address can make a major difference in what he or she pays for car insurance.

As was the case last year, those living in Louisiana are shelling out the most money among all Americans for coverage at an annual average $2,699, based on a study conducted on behalf of Insure.com. According to the website?s editorial director Amy Danise, rates tend to be the highest in the Pelican State in part because of the high number of claims for bodily injury filed each year and the fact that accident lawsuits for less than $50,000 go before elected judges, who more often side with consumers than the insurance companies.

Michigan was found to be the next-costliest state for car insurance, with average premiums at $2,250 that can be largely accredited to state regulations that guarantee unlimited, lifetime personal-injury protection benefits for treatment of injuries that result from an auto accident.

The study found that those who live in Oregon and own a high-performance Mercedes-Benz CL 65 AMG luxury coupe can be expected to pay the highest car insurance rates among all U.S. motorists at a whopping annual average premium of $5,867, and that assumes a clean driving record. The national average is currently a far more modest $1,510.

The 10 states Insure.com?s study determined as having the highest annual auto insurance rates are:

Louisiana ? $2,699

Michigan ? $2,520

Georgia ? $2,155

Oklahoma ? $2,074

Washington, D.C. ? $2,006

Montana ? $1,914

California ? $1,819

West Virginia ? $1,816

Rhode Island ? $1,735

Kentucky ? $1,725

more

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that's pretty shocking. i only pay somewhere around $1200/yr.

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Holy crap, that's some crazy monies! I figured NY would be high on that list but apparently not.

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no wonder why people in Louisiana are so poor

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53/mo here

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I thought New Jersey had the highest rates in the USA. I pay ~ $2400.00/year for myself, my wife and a son who is under 25. Three cars are insured.

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Hmm, I thought NJ/NY/MD/MA/CA area would be most expensive, but I guess not. Mine is about $1200/yr with full coverage on a CLS 63 in upstate NY...

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I always figured we were paying too much.

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I don't pay close to that much living in California and I have pretty damn good coverage.

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2000 Chevy Cavalier in Colorado. Liability only. Geico.

$127 for 6 months of coverage. :)

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That's just wicked... They really are only out to make money, and lots of it. (N)

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Getting a quote from eSurance on a leased 2013 BMW 535i with all-inclusive coverage and being that I'm 20 first time car buyer in LA, I average to ~$465 a month xD. The car is not the issue, its the insurance that gets me. I got better quotes from Progressive and Geico and cosigning also helps with someone with a good record. I have NO TICKETS let alone points.

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and most of those are going through a main stream ins co like allstate, farmers and state farm and paying the higher premiums. I ditched allstate years ago for raising my rrates while having accident free, perfect driving records for my wife and I. We now go through Farm Bureau and pay $1800 a year for 2 cars and our house. If you are on one of the big 3 and are paying what i pay just for your cars...you are getting gouged and should look for a better rate.

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1200 a year with the full package but i get the safe driving diiscount

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Wife and I pay $2,400/year for a Pilot/Pathfinder. I'm assuming the totals in the OP are per car and not policy?

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