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Car insurance rates by state, 2015 edition

In addition Montana does not offer a large market for national companies, and the population is spread over a wide area, which may increase the cost of doing business.

Meanwhile, the Legislature has been slow to pass certain driver safety laws. State bills prohibiting texting while driving have failed. The state has a secondary, versus primary, seat belt law, meaning officers can't cite drivers for failing to wear seat belts unless they stop them for other offenses.

"From a professional insurance standpoint, we look at that and scratch our heads sometimes," Biskupiak says.

Montana has the highest car accident fatality rate in the country, according to the Insurance Institute for Highway Safety. In 2013, there were 22.6 deaths per 100,000 people, more than double the national average, and 1.96 deaths per 100 million vehicle miles traveled. The national average was 1.11 deaths per 100 million vehicle miles.

No. 3: Washington, D.C.

In most states insurance rates are highest in urban areas and lowest in small towns. The District of Columbia is one large, traffic-congested city, so rates are bound to be on the upper end.

"I've been here all my life, and the traffic has gotten so much worse in the last 20 years," says insurance agent Scott Hoffman of Howard and Hoffman Inc. and a board member of the Metropolitan Washington Association of Independent Insurance Agents.

Allstate ranked the nation's capital 198th out of 200 cities for safe driving in its 2014 Best Drivers report. The average driver in the district will experience a car accident every 5.1 years, compared with the national average of every 10 years, according to Allstate.

Hoffman says Washington is litigious, and juries tend to favor plaintiffs who sue insurance companies.

Another problem is that compared to states with a number of cities, the district is a small market.

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