Let’s agree that owning a car in reality is not as packed with joy and pleasure as it is shown in the ads. Having a car involves not only pleasure rides on perfect roads, but also many risks and not less expenses. Of course, a car gives you the freedom of mobility, but that freedom often comes with an itchy price tag that sometimes is hard to pay. And in some places of the US owning a car is especially stressful:
The most expensive states to insure an auto
- District of Columbia
2. New Jersey
3. Massachusetts
4. New York
5. Connecticut
6. Delaware
7. Nevada
8. Rhode Island
9. Louisiana
10. Arizona
Those of you who think you’re paying for bad drivers on the roads in your state are right. States like New Jersey and DC make their good drivers for those less careful who make the roads riskier to drive. The opposite is found in South and North Dakota where even the bad drivers enjoy auto insurance premiums that may seem like heaven to drivers from Massachusetts or New York. And while most of you may state that auto insurance should be less expensive in urban areas than in rural, remember the good old yellow taxi drivers in the Big Apple and their manner of driving, and you’ll understand why the insurance companies are charging such fees.
States with the highest gasoline prices
- Hawaii
2. Alaska
3. California
4. New York
5. Nevada
6. Oregon
7. Connecticut
8. Idaho
9. District of Columbia
10. Washington
Suppose you have a cheap car insurance policy, you live in a safe neighbourhood and the traffic is low there. You still have that huge SUV to drive from your house to the mall, and you have to fill up its appetite for fuel. And fact is that in some states filling up a full tank will cost you much more than in others. You can check out numerous internet sites to see the current average gas prices by states. But in general expect to overpay over 10 dollars for a full tank in Alaska or Hawaii if compared to Florida for example.
Cities with the heaviest traffic
- Los Angeles, CA
2. San Francisco, CA
3. Denver, CO
4. Miami, FL
5. Phoenix, AZ
6. Chicago, IL
7. San Jose, CA
8. Washington, DC
9. Portland, OR
10. Boston, MA
But wait, there’s more! And it’s probably one of the strongest elements that keeps the insurance companies raising their premiums and draining your wallet. It’s traffic. And traffic is not only defined by the total number of cars in the city but the intensity and the speeds in it. So if you live in an area where traffic jams and fatal accidents are common things expect to hand over a couple of bucks on top of your insurance policy.
If this doesn’t stop you from driving, you can also follow one more tip to make it even worse and start cursing insurance companies altogether. Move to either northern or southern border or to a big port area, preferably a large city. You’ll raise considerably the risk of your car being stolen, and this, of course, also reflects in auto insurance premiums.
Cities with most car thefts
- Phoenix, AZ
2. Fresno, CA
3. Modesto, CA
4. Stockton-Lodi, CA
5. Las Vegas, NV
6. Miami, FL
7. Sacramento, CA
8. Oakland, CA
9. Seattle, WA
10. Tacoma, WA
