The National Association of Insurance Commissioners recently performed a study researching the best and worst places in the U.S. for car insurance.  The study determined that Northeast drivers are paying the highest premiums.

The most expensive state was New Jersey.  The average premiums there were more than $1,300 a year.  Washington D.C., our nations capital, was in second place with average premiums of over $1,185.  New York took third place with premiums on the average being over $1,100.

The study stated that the reason for the elevated costs for insurance in those areas is because of urban driving matters, dense traffic, and high salaries.  In addition, costs for average liability insurance premiums are high in the Northeast.

Midwestern and Northern states were ranked as having the lowest insurance premium costs.  Iowa was the state with the lowest insurance overall, at $530 a year.  Maine took second place at $560 a year, and North Dakota came in third at $570 a year.

This study proves that location is key when it comes to your car insurance costs.  Motorists have to pay high vehicle costs these days with the costs of new car warranties, insurance, and maintenance.