File photo.

It’s probably not a surprise to you, but we pay way more than our neighbors in other states for car insurance. Drive on Highway 19 or I-4 and it’s not hard to see why. But believe it or not, there is one other state that has to pay more than we do.

ValuePenguin did the research and came up with this list of the 10 most expensive states for full auto insurance coverage. Want the cheapest car insurance? They say move to Maine or Vermont. Even crossing the state line to Georgia can cut your rate in half compared to what we pay in Florida.  But avoid these 10 states.

  • #10: Colorado

    Kind of a surprise to me. Maybe their drivers are a mile high behind the wheel? Colorado drivers pay on average $168 per month.

  • #9: Kentucky

    Another one I wouldn’t have expected to see on the list.  They pay $170 per month.

  • #8: Delaware

    Philadelphia drivers are pretty wild, but I never had any problems driving through Delaware.  But I didn’t stop long.  They average $171 per month.

  • #7: Connecticut

    There’s probably a big range in rates based on which city you actually live in.  Connecticut has a lot of woods with just a few really busy spots like Hartford and I-95 heading to New York City.

  • #6: Massachusetts

    Absolutely surprised New York nor Massachusetts ranked in the top 3.  Believe it or not, New York doesn’t even make the top 10 list!  I’ve lived most of my adult life in Massachusetts and if you have friends or family up there, you’ve probably heard the infamous word they use for Mass drivers.  Massho**s.  I think you can figure it out.

  • #5: Louisiana

    No doubt the hurricanes have contributed to their sky high rates.

  • #4: Nevada

    Things get wild in Las Vegas, but once you get out of that area, it’s a lot of desert so I’m sure you can save a buck or two if you live in the ‘burbs.

  • #3: Rhode Island

    Totally makes sense.  I love Providence, but you get a lot of fast drivers en route to NYC.  Plus New England winters mean fender benders.

  • #2: Florida

    Drive on our highways and you know why we made the list.  Of course Floridians tend to plead innocent and say it’s all the out of state drivers who drive the rates up by driving poorly.  But if they were bad drivers, wouldn’t their home states beat us out?

  • #1: Michigan

    I’ve never driven in Michigan but I’m sure Detroit traffic must be wild.  Add in all the awful winter weather they get and it’s probably why Michigan ran away with the title of most expensive state in the nation for auto insurance.  They pay on average almost $400 a month, according to the study!  That’s almost DOUBLE what we pay in Florida according to their research!

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