From the Huffington Post:

“Generally, I don’t think the differences between states are that great,” says Eli Lehrer, insurance expert and president of the nonprofit R Street Institute. “Some of them probably result from regulatory differences, particularly in the case of the extreme outlier of Hawaii. Michigan and New York are also known for lots of bureaucratic regulations, which probably impacts the rates.”

Other factors, says Lehrer, may include variable traffic densities, demographics and “driving cultures” from state to state.

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