There are several reason to be happy about not living in Michigan, for one, as it pertains to this story, Michigan has the highest  auto insurance rates in the country. But where does NoDak rate?

According to a study released this week by Insurance Quotes.com, Michigan, Rhode Island, Delaware and Louisiana have the highest annual auto insurance rates in the country. These states pay close or double the national average.

Want cheap insurance? Move to North Carolina! They pay 41% less than the national average.

 

"According to Mike Barry, spokesman for the nonprofit Insurance Information Institute, several factors can influence geographical insurance pricing, including population density, natural disasters and cost of living.

For example, states with a higher cost of living will also most likely have a higher cost for things like medical care and auto mechanics – and insurers will price their policies accordingly.

In states like Idaho, Ohio and North Carolina, an abundance of rural areas helps keep insurance costs lower due to lower crime rates and fewer accidents.

 

It's obvious that location plays a huge part in the premium that you pay. Plus your driving record and the value of the vehicle you drive also play a huge role in the cost of your insurance. For North Dakota, we rank at #23 out of the 50 states.

The national average rate for auto insurance was a bit over $800 in 2012.

You can see the complete list here.

Joe Raedle / Getty Images
Joe Raedle / Getty Images
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