The least expensive three companies have an average cost for minimum coverage of $493 for drivers with a clean record.

The least expensive five states have an average cost for minimum coverage of $316 for drivers with a clean record.

The least risky five states have an average liability insurance requirement of 31/62/50 (in thousands of dollars).

The top three infractions have an average insurance premium increase of 103% after the infringement.

The most risky five states have an average liability insurance requirement of 20/40/15 (in thousands of dollars).

In the six states where credit score matters the most, a driver with no credit pays on average 94% more for car insurance than a driver with exceptional credit.

In the five states where credit score matters the least, a driver with no credit pays on average just 11% more for car insurance than a driver with outstanding credit.

The top five cities in the ranking have an average total score of 64.06.

The most expensive five states in the ranking have an average annual cost for renters insurance of $150.

The top five states have an average insurance premium increase for a DUI conviction of $1,366.80.