Average monthly price: $232
Total six-month policy average: $1,379
States included: California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Louisiana, Maryland, Massachusetts, Michigan, Pennsylvania, New Jersey, New York, Rhode Island, South Carolina, and Texas.
Why these are the most expensive states
Dense population: More drivers mean more accidents.
Severe weather issues: Earthquakes, floods, and hurricanes are more common, as many of these states are coastal. Plus, many of these non-coastal states are more prone to hail, which leads to more claims.
Higher crime rates: Theft and vandalism are more common in this group of states than medium- and lower-priced states, which results in more claims.
More dangerous intersections: Busy five- and six-way stops are likely to cause more accidents.
More stringent insurance requirements by state laws: Many of these states have highly regulated insurance laws or more complex coverage requirements. That means higher prices.