Is living in 1 of these 3 states driving your car insurance costs sky high? How to reduce costs no matter where you live

Core Insights - Florida has the highest average car insurance premium at $2,912, influenced by hurricanes, a large senior population, and high tourist traffic [2] - Louisiana ranks second with an average premium of $2,827, affected by state laws and recent tort reform [1][3] - New Jersey is the third most expensive state with an average of $2,160, impacted by climate disasters and increased minimum liability insurance [6] Summary by Category Car Insurance Costs - The average car insurance prices have increased by 11.3% in 2025 and by 57% since 2022, based on a report analyzing over 83,000 quotes [3] - The top ten most expensive states for car insurance in 2025 include Florida, Louisiana, and New Jersey, with premiums significantly higher than in other states [3][6] Factors Influencing Premiums - Florida's requirement for Personal Injury Protection (PIP) insurance accounts for nearly 20% of auto insurance premiums, alongside a high crime rate with over 46,000 cars stolen in 2023 [2] - Louisiana's recent tort reform means drivers more than 50% at fault cannot claim payment, contributing to higher insurance costs [1] - New Jersey's status as a "no fault" state requires insurance providers to cover medical expenses regardless of fault, affecting premium rates [6] Recommendations for Consumers - Consumers are advised to shop around for insurance annually to ensure competitive rates, especially when notified of premium increases [7] - Utilizing platforms like OfficialCarInsurance.com can help compare quotes from multiple insurers to find the best rates [8] - Factors such as credit score, driving record, and the type of vehicle can influence insurance rates, allowing consumers to take control of their costs [11]