Louisiana lands in the second most expensive spot, at $2,827. While hurricanes are also a factor here, the Washington Post noted that the laws in Louisiana make it more expensive to resolve whose insurance should pay after a car crash (4). The state recently passed tort reform, meaning drivers who are more than 50% at fault can’t claim payment.It’s no surprise to see Florida taking the top spot with a yearly average charge of $2,912 — Florida’s constant hurricanes, highest population of seniors in the U.S. ...