How do auto insurance rates in your state compare with rates in other states?

My state’s auto insurance premiums vary according to location, and they also depend on other factors. But in general the rates are higher than average. The higher cost of living in Texas makes rates in Texas more expensive compared to neighboring states such as Louisiana, Oklahoma and Arkansas. Additionally, Texas is one of only nine states that allow insurers to use a policyholder’s credit score as a factor when determining rates; this has been shown to disproportionately impact low-income individuals who may already be struggling financially. Texas also has one of the most stringent minimum liability coverage requirements, which adds a lot to drivers’ monthly rates.