If you live in New York state, you're paying 41.7 percent more for auto insurance than the national average but across the state border, Pennsylvanians pay 18.5 percent less.
In a national study by Quadrant Information Services and insurancequotes.com, findings point to your location being a major factor, perhaps as much as your driving history and age, in how much you pay for auto insurance.
Michigan drivers topped the list of most expensive states and averaged 135.9 percent more than the national average, Rhode Island residents pay 45.3 percent more and New York was third.
The average of cost of auto insurance in the U.S. was $815 in 2012, according to a report from the National Association of Insurance Commissioners.
So why is Michigain so much more expensive? Michigan is a no-fault insurance state so insurance companies compensate policyholders for injury costs no matter who is at fault, according to the insurancequotes.com article. Furthermore, Michigan offers "unlimited lifetime coverage for medical expenses resulting from an accident and this significantly increases the cost to an insurance company.
The least expensive states were North Carolina (41.3 percent less), Idaho (36.7 percent less), Ohio 33.4 percent, and Maine, 32.8 percent less.