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Buying or owning a car comes with its own set of expenses: fuel charges, regular maintenance and, most of all, car insurance premiums.

On average, every driver in the US pays $1,070 annually towards auto insurance. It’s not a small amount, and it varies by age, gender, and state. Wondering how much you’ll have to pay depending on which US state you live in?

Find out the average car insurance rates in every state below and some critical information about your vehicle insurance.

verage Car Insurance Cost By State

Each state has its own rules and regulations regardingcar insurance. Premiums vary state-by-state because the following differ:

Road conditionsNumber of active driversThe population of the stateState lawsWeather that can influence driving conditions or cause accidentsPercentage of uninsured drivers

States can determine what type of coverage a particular driver needs. Additionally, each state has its own set of approved auto insurance companies from which drivers can buy insurance. 

As per the current laws, states like New Hampshire require zero insurance. At the same time, car insurance costs in Michigan can be incredibly high due to its no-fault policy. In Louisiana, insurance premiums are also very costly because state lawyers file lawsuits for even minor accidents. 

Check out the table below for a comprehensive list of average car insurance costs in each state:

StateAverage Full Coverage Costs/Year(USD)Average Minimum Coverage Costs/Year(USD)Alabama$1,760$443Alaska$1,770$417Arizona$1,743$579Arkansas$1,806$437California$2,190$619Colorado$2,019$495Connecticut$1,533$646Delaware$1,963$747Florida$2,762$997Georgia$1,985$630Hawaii$1,206$338Idaho$1,065$271Illinois$1,548$477Indiana$1,242$329Iowa$1,254$227Kansas$1,802$419Kentucky$1,954$658Louisiana$2,864$807Maine$876$227Maryland$1,931$836Massachusetts$1,296$446Michigan$2,345$946Minnesota$1,692$600Mississippi$1,701$450Missouri$1,861$504Montana$1,795$310Nebraska$1,538$367Nevada$2,426$846New Hampshire$1,182$324New Jersey$1,891$855New Mexico$1,489$347New York$2,996$1,339North Carolina$1,392$431North Dakota$1,225$268Ohio$1,200$336Oklahoma$1,902$408Oregon$1,371$625Pennsylvania$2,002$441Rhode Island$1,847$569South Carolina$1,464$518South Dakota$1,542$274Tennessee$1,383$372Texas$1,868$551Utah$1,449$544Vermont$1,000$242Virginia$1,340$475Washington$1,313$482Washington, D.C.$1,948$613West Virginia$1,527$427Wisconsin$1,249$364Wyoming$1,510$262

While these are the average costs for every state, you can always look for affordable car insurance. For example, if you want cheap Chicago Auto Insurance, you’ve to search for the insurance company with the lowest premium and the best coverage. 

Also, be on the lookout for offers, student discounts, telematics-based discounts, and possibilities of bundling your insurance. By doing this, you can sometimes save hundreds of dollars.

Factors Affecting Your Car Insurance

Location or state isn’t the only factor that influences your car insurance premiums. Sometimes, you will pay more than other drivers in the same state. 

Here are some factors that auto insurance companies consider while deciding your premium amount. 

Gender: Male drivers usually pay more car insurance premiums than females. For transgender people, some providers decide on coverage based on the sex mentioned on the driver’s license. 

Age: Older drivers enjoy low-cost car insurance because they’re considered experienced and less likely to be involved in accidents. Teenagers are usually the most expensive drivers when it comes to insurance premiums. 

Driving History: Your driving history, previous accident records, and DUIs are all considered when fixing premium rates. In fact, in severe cases of frequent damage and rash driving, insurance providers might deny you coverage altogether. 

Coverage Type: Minimum coverage plans usually only include physical injury and property damage liability. This means you’ll pay a lesser premium but may not get benefits such as towing cost reimbursements, carpool coverage, rental reimbursements, and in some cases, even personal injury protection. Full coverage car insurance will give you all these benefits but will cost more. 

While location plays a crucial role in determining your auto insurance premiums, several other factors also come into play. 

For example, the average car insurance cost is neither too high nor low. But if you’re in a big city like Chicago and have had rough driving experiences in the past, are younger, or are male, you might want to look for affordable Chicago auto insurance companies; otherwise, you’ll end up with an exorbitant cost. 

Regardless, if you

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By: Joseph Low
Title: How Much Does Car Insurance Cost By State?
Sourced From: www.luxuo.com/cars/automobile/how-much-does-car-insurance-cost-by-state.html
Published Date: Mon, 27 Jun 2022 02:46:49 +0000

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Motor

Here comes trouble: A Triumph TR6 with a Matchless frame

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custom triumph tr6 matchless frame 625x417 1

Kids are impressionable, especially when motorcycles are involved. That magical combination of sound, smell and danger has a way of imprinting itself on young minds. But Kyle Harvey didn’t just dream of bikes as a child—he practically grew up with them.

Kyle’s trade is tool and die making, but his passion is building bikes. His father, Garth Harvey, got Kyle and his brother into bikes at a young age; as soon as they could start their old man’s vintage motorcycles, they were riding them. Living in Edenvale in South Africa’s Gauteng province, the boys also had direct access to the local Classic Motorcycle Club.

 

The folks at the CMC made quite an impression on young Kyle—and taught him everything he knows about vintage bikes. After helping numerous friends work on their bikes, he went on to open his own shop, named simply ‘The Workshop.’ Kyle has been building and restoring classic motorcycles for over a decade now.

This cheeky bobber is his latest build, and it’s immensely fascinating. The engine’s from a Triumph TR6 Trophy, the frame is from a Matchless, and the quirky handmade details on it are endless.

Custom Triumph TR6 with Matchless frame

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By: Ben Pilatti
Title: Here comes trouble: A Triumph TR6 with a Matchless frame
Sourced From: www.bikeexif.com/custom-triumph-tr6-matchless-frame
Published Date: Wed, 21 Dec 2022 17:01:12 +0000

 

 

 

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Motor

The Swan Song of the V12

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The V12 engine holds a special place in the heart of many automotive and motorsports fans. For some, it’s the sound of Formula 1 through the years, especially during the 1990s. For others, it’s engines like the 6.1 L BMW S70/2 from the McLaren F1 or the 3.9L Lamborghini V12 that powered all their cars from the Miura through to the Diablo. No matter where it lies in your heart, it is the “proper” configuration for many: 6 cylinders per bank, put into a V, and firing in an odd sequence to give it that special roar under power.

Yet, as concerns over fuel efficiency, qualms about environmental impact, and high-powered turbocharged V8 or V6 engines are the norm now, the V12 is slowly, but surely, being put to rest. In fact, the only place that V12s are still hanging on by the last threads of their engine mounting bolts are in supercars, hypercars, and a few ultra-luxury cars. Even then, many exotic brands have announced that their next cars will either be V10s or turbo V8s and V6s.

Since it appears that the swan song of the V12 is reaching a crescendo, we thought it only appropriate to celebrate the few remaining cars out there that carry them. It may be the last time we see some of these brands, many of which are known for their V12s.

The Amazing Last V12 Production Versions from the Big Brands

Ferrari 812 Superfast

Ferrari 812 Superfast

Ferrari 812 Superfast. Image via Supercars.

The writing is on the wall for the prancing horse, as the new Ferrari 296 GTB is showing the direction that Maranello is headed. Yet, unless you were invited to snag one of the limited-edition Monza SP1 or SP2 cars, there is still one car you can buy from the legendary marque that has all 12 cylinders fully intact.

The 6.5L F140 GA V12

The 6.5L F140 GA V12
The 6.5L F140 GA V12. Image Via: Wikimedia Commons.

The 6.5L F140 GA 65-degree V12 in the front of the 812 is the last road-going version of the V12 that debuted in the Ferrari Enzo. Producing a monstrous 789 HP and 530 lbs-ft of torque, it is no slouch either, as when the 812 Superfast debuted, it was the most powerful naturally aspirated production car engine ever made.

It has the typical low-rev Ferrari roar that rises into a howl as the car revs up to nearly 9,000 RPM, and will catapult the 3,845 (1,744 kg) car to 60 MPH in 2.9 seconds. As far as a curtain call is concerned, that’s a great way to bow out and focus on hybrids and turbocharged engines.

Mercedes-Maybach S680 4MATIC

2022 Mercedes-Maybach S680 4MATIC

2022 Mercedes-Maybach S680 4MATIC
cedes-Maybach S680 4MATIC. Image via Supercars.

Mercedes-Benz used to be at the very top of the V12 pecking order when it came to luxury performance cars. Such classics as the S 65 AMG from the mid-2000s and the 500 TE AMG W123 Touring from the very end of the 1970s came with big V12s that sound astounding, but the biggest and baddest of the Mercedes V12s left on in a production car is the M279 E60 LA that hauled the S65 AMGs of 2014.

M279 E60 LA Twin Turbo V12

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By: Simon Bertram
Title: The Swan Song of the V12
Sourced From: sportscardigest.com/v12-swan-song/
Published Date: Thu, 28 Jul 2022 10:49:26 +0000

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Road Tested: Gear from Shoei, Akin Moto and Rev’It!

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In our continuing quest to source motorcycle gear that combines safety and style, we bring you our thoughts on Shoei’s new ECE 22.06-approved NXR2 helmet. Plus a stealthy riding parka from Akin Moto, and the perfect pair of urban riding gloves from Rev’It!.

Shoei NXR2 helmet It’s no secret that I’m a huge fan of Shoei’s helmets. Every Shoei I’ve owned has fit and felt right from the first wear, with no major deviations in their sizing or shape from model to model. So when I was looking for a do-it-all street helmet to replace my well-used Shoei RYD, the new NXR2 was a no-brainer… and it hasn’t disappointed.

I loved the RYD for its combination of neutral styling, comfort and ventilation. The NXR2 basically feels like a premium version of the RYD; it has the same clean aesthetic, but ramps up the performance. And it’s one of the few helmets that meet with Europe’s new, and more stringent, ECE 22.06 standard.

Shoei NXR2 helmet reviewRead More

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By: Wesley Reyneke
Title: Road Tested: Gear from Shoei, Akin Moto and Rev’It!
Sourced From: www.bikeexif.com/shoei-akin-moto-revit-review-44
Published Date: Sat, 30 Jul 2022 17:01:31 +0000

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