How much do the majority of people shell out for auto insurance? That is a hard question to answer. It is based for the most part on where you reside, instead of on the type of auto you own, as many believe.City dwellers or people in urban areas need to spend more than those who reside in the country. There will be a greater chance of an accident if there is more traffic on the road. Insurers use many factors to determine premiums including how old the driver is, but their main concern is the probability of actually having to pay a claim.The National Association of Insurance Commissioners put together a report stating the typical cost of auto insurance dropped by 1 overall.Seven percent in 2006. Recent reports cite the ten states with the highest premium costs as well as the ten least expensive states to live relative to the cost of employment law advice for employers auto insurance. There is definitely a considerable difference between the low and high.In DC, the typical expense is $1,164 each year. The average in North Dakota is $530, which is less than 50%. States with the lowest insurance rates are Iowa, South Dakota, Idaho, Kansas, Nebraska, Wisconsin, and North Dakota – so keep that in mind when you’re moving. You can obtain a comprehensive car insurance policy at an average annual rate of less than $600 a year in all of these states.The average cost of homeowner?s is higher in North Carolina, because of frequent hurricane damage along the coast,but, just as a point of interest. How much more things cost in a specific area is just one of the things to mull over before making a move.Nevada, Delaware, Florida, New York and New Jersey are some of the states that have the most expensive rates.