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No. 3 most expensive: Florida

Last updated: Nov. 25, 2018

By , Insure.com

Connecticut car insurance rates

Average rate: $2,050

Average rate for the top-selling vehicle in the country first quarter of 2018 F-150 XL: $1,925

Average rate for the top-selling SUV in the country first quarter of 2018 Nisan Rogue S: $1,968

Average rate for the top-selling sedan in the country first quarter of 2018 Toyota Camry L: $2,471

The Sunshine state moved up from the fifth spot to number three on the list of most expensive states for car insurance. The state annual average premium in 2018 is $2,050, which is 50 percent higher than the national average. That is 11 percent higher than rates in 2017.

There are a variety of factors that contribute to Floridians paying higher car insurance premiums. One is over a quarter of the drivers being uninsured (26.7 according to the IRC), which is the highest in the country. Uninsured drivers push up the costs of auto insurance for insured drivers as there are not as many drivers to spread the risk around, so those who are responsible with policies have to absorb that cost.

Another factor for high rates is the no-fault insurance, personal injury protection (PIP), which motorists must carry in Florida. Florida continues to battle PIP fraud with questionable claims raising rates for all by an estimate of up to $250 a year.

The best way for Floridians to get reasonable rates is to have a good driving record, good credit and clean claims history and shop around with multiple insurance providers.

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