Insure.com’s 2012 U.S. study of average car insurance rates per state reveals that Louisiana ($2,536) leads the nation with the most expensive auto premiums. Last year’s study placed Louisiana at No. 2, a brief slip from the No. 1 perch the state also held in 2010. The lease expensive states were Wisconsin ($987), Iowa ($985) and Maine ($889).

The rates used to rank the states are based on the average premiums for the more than 900 models in Insure.com’s 2012 survey. The rates are based on insurance for a single, 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Actual rates will depend on individual driver factors.

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