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Car insurance rates by state, 2015 edition

The study averaged rates for the 20 best-selling vehicles in the U.S., which last year represented about 40 percent of all vehicles sold. Each model was rated on its cheapest-to-insure trim level. (You can see rates for more than 1,500 models in's Most and Least Expensive Vehicles to Insure tool.) The vehicles included:

  1. Ford F-150 Platinum 4WD Supercrew
  2. Chevrolet Silverado 1500 LS 2WD Regular Cab
  3. Dodge Ram 1500 Tradesman Regular Cab
  4. Toyota Camry LE sedan
  5. Honda Accord LX sedan manual transmission
  6. Toyota Corolla L sedan
  7. Nissan Altima 2.5 sedan
  8. Honda CR-V LX 4WD SUV
  9. Honda Civic LX sedan manual transmission
  10. Ford Fusion S sedan
  11. Ford Escape S 2WD
  12. Chevrolet Cruze LS manual transmission
  13. Toyota RAV4 LE 4WD SUV
  14. Chevrolet Equinox LS 2WD SUV
  15. Hyundai Elantra SE sedan
  16. Ford Focus S sedan
  17. Hyundai Sonata SE sedan
  18. GMC Sierra 1500 2WD Regular Cab
  19. Ford Explorer 2WD SUV
  20. Toyota Prius Five hatchback

The apples-to-apples comparison differs from other research, such as the premium comparison by the National Association of Insurance Commissioners. The NAIC figures reflect the average amount that residents spend toward car insurance, regardless of the amount of coverage they purchase or type of car they insure.

The national average premium for the full-coverage policy featured in the study is $1,311 a year, with rates varying widely in states -- from $805 in Maine to $2,476 in Michigan.

Many factors influence the regional differences - state laws, local court systems, traffic, crime, competition among insurers and the percentage of insured drivers. Here's a look at states with the highest and lowest average rates.

No. 1: Michigan

Ask insurance agents why rates are high in Michigan, and conversation turns quickly to the state's unusual no-fault auto insurance system. Like other no-fault states, Michigan requires car owners to purchase personal injury protection insurance, which pays the medical bills of the policyholder and household members if they're injured in an accident. The coverage also pays for medical expenses of passengers who don't have PIP insurance.

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