Hoping not to spend a fortune on auto insurance? Head to North Carolina.

Winston-Salem, N.C., pays the least in the U.S. — an annual average of $846 for car insurance, according to a new report. Boise, Idaho, is next at $913, followed by Greensboro, N.C., $936, and then Raleigh, N.C., $948. 

The states with the lowest average annual rates are Maine, $896, Virginia, $918, North Carolina, $947, and Iowa, $988.

Detroit feels the most pain, with an annual average there of $5,464, the highest of any city in the country, according to The Zebra’s 2019 State of Auto Insurance Report. New Orleans is the second most expensive city at $3,686, followed by Hialeah, Fla., $2,997, and Miami, $2,913.

The most expensive states are Michigan, with an annual average of $2,693, Louisiana, $2,339, Rhode Island, $2,110, and Florida, $2,059, The Zebra reports.

Increases were felt in many areas. Colorado was the hardest hit, with a year-over-year rate increase of 19 percent, and Montana enjoyed the greatest decrease, 21 percent. Only four states have an average annual rate of less than $1,000, and four states have an average annual rate of more than $2,000.

The national insurance average is $1,470, reports The Zebra, an insurance search engine group that compares car insurance rates across the U.S.

And, according The Zebra, many are feeling the bite. Car insurance rates are at an all-time high in the U.S., increasing by nearly 49 percent since 2011. The report analyzed 61 million auto insurance rates across the country, including rate changes and risk factors that lead to insurance rate changes.

“Some people are paying $500 a year while others are paying $5,000. Why? It could be weather in your state, your driving habits, or even your gender, marital status, or credit score,” says Alyssa Connolly, the director of market insights for The Zebra. “Car insurance is a major expense for most Americans, and drivers want to know how much their rates are changing, especially as new technology comes into play.”

The report also found that the Audi R8 was the most expensive car to insure with a national average annual rate of $4,102. The least expensive was the Subaru Outback at $1,392.

Going green? That is great news for the environment, of course, but not so much for your wallet.

“Hybrid or electric vehicle models are among the most expensive to insure because of their cost to repair or replace,” The Zebra says.

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