Michigan Louisiana is now the king of expensive car insurance, moving into first place this year as Michigan (the most expensive state for seven years in a row) slips into second, although there is a bit of a technicality. … Car insurance rates by state 2021. Rank State Average premiums 1 Louisiana $2,839 2 Michigan $2,112 3 Florida $2,082 4 California $1,966 47 more rows • Aug 18, 2021