On the low end is
Average premiums combine three separate coverages--liability, collision and comprehensive. Because liability coverage is tied to at-fault accidents, the most expensive premiums are in states with the most traffic. The states with the most traveled roads tend to have the most expensive liability coverage. The notable exception is
Some of what
Comprehensive tends to be the cheapest coverage--costing less that $100 in
Even with the highest cost in the nation,
♦ Liability (required in all but a few states) pays bodily injury and property damage expenses--including legal bills-caused to others in an at-fault accident.
♦ Collision pays vehicle repair of the person who causes an accident.
♦ Comprehensive pays for other damages, such as theft, fire, vandalism, natural disasters and even hitting a deer.