It turns out, uninsured motorist populations really decide how much law-abiding citizens pay for auto insurance.

That seems unfair—but it’s the truth.

Last year’s top states in terms of auto insurance premiums were Oklahoma, Michigan, and Louisiana.

Vermont had the lowest premiums in the U.S.

Oklahoma has over 24 percent of its drivers without insurance. Add to the quarter of uninsured drivers a high instance of tornadoes, and you have an average 40-year-old male paying over $2,100 a year for his car insurance. Ouch.

Unfortunately, there’s nothing the average 40-year-old male can do to lower his car insurance in a state where 24 percent of the drivers do not have insurance. His good driving habits can only go so far.

So if you know someone who doesn’t have car insurance, let him know that he is costing you money every month.

And we can help him get the cheapest insurance rates out there by simply filling out our quote form.