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Car insurance rates by state, 2016 edition

On the flipside of the cost coin, Maine grabbed the No. 1 spot for the cheapest car insurance in the country. Maine has been in the top three for the least expensive car insurance for all six years of the study. This year, Ohio came in No. 2, Wisconsin was three, Idaho took fourth, and New Hampshire earned No. 5.

This year's best-selling vehicles

The annual study compiles rates from six large insurance carriers in 10 ZIP codes in every state. Rates were for the same full-coverage policy for the same driver -- a 40-year-old man with a clean driving record and good credit.

The rates are an average for the 20 best-selling vehicles in the U.S. in order to present more accurate rates for the average driver - without high-end sports or luxury cars skewing the data. Each model was rated on its cheapest-to-insure trim level. This year's 20 best-selling vehicles list included:
  1. Ford F-150 XL SFE
  2. Ford Fusion S
  3. Ford Escape S
  4. Ford Explorer XLT
  5. Chevrolet Silverado 1500 LT
  6. Chevrolet Malibu LS
  7. Dodge Ram 1500 Tradesman
  8. Toyota Camry LE
  9. Toyota Corolla L
  10. Toyota RAV4 LE
  11. Honda Civic LX
  12. Honda  Accord LX
  13. Honda CR-V LX
  14. Chevrolet Equinox LS
  15. Nissan Altima 2.5 S
  16. Nissan Rogue S
  17. Nissan Sentra S
  18. Hyundai Sonata SE
  19. GMC Sierra 1500
  20. Jeep Cherokee Sport

The national average for a full-coverage policy as featured in the Insure.com report came in at $1,325 this year - a slight increase from last year's average of $1,311. Rates varied from a low of $808 a year in Maine to a budget-busting $2,738 in Michigan. Insurance rates in Michigan are more than double (107 percent) the national average.

Insurance rates are influenced by a number of different factors. Everything from traffic, crime rates, state and local laws, the percentage of uninsured drivers, as well as the number of insurance companies competing in a market can all result in higher, or if you're lucky, lower insurance premiums in your state.

States with highest car insurance

The reasons behind the highest state rates include everything from Personal Injury Protection (PIP) coverage (a big factor in two of the states) to high fatality rates and litigious-minded drivers.

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