Think car insurance rates are high in your state? Many factorsaffect rates, including the costs of car repair and medical care,the level of insurance fraud in a state, the number of uninsureddrivers, and population density.

It's no surprise, however, that one of the major factors isstate regulations: the type of insurance system a state uses andthe rules for how that system operates can have a huge impact onrates.

CarInsuranceQuotes.comrecently compared the median household income and median price ofan annual car insurance policy in all 50 states and the District ofColumbia, and ranked them based on the percentage of householdincome going toward car insurance.

Here we present the 10 costliest states for car insurance fromthat list. Clickhere to see the full list, and see the 10 states with thelowest percentages on the final slide.

10. Florida

Median annual household income: $53,093

Media price of annual car insurance policy: $1,784

Percentage of household income going toward car insurance:3.3%

9. Nevada

Median annual household income: $60,192

Median price of annual car insurance policy: $2,070

Percentage of household income going toward car insurance:3.4%

8. New York

Median annual household income: $65,897

Median price of annual car insurance policy: $2,334

Percentage of household income going toward car insurance:3.5%

7. Delaware

Median annual household income: $68,746

Median price of annual car insurance policy: $2,456

Percentage of household income going toward car insurance:3.5%

6. Arkansas

Median annual household income: $47,049

Median price of annual car insurance policy: $1,722

Percentage of household income going toward car insurance:3.6%

5. Mississippi

Median annual household income: $45,484

Median price of annual car insurance policy: $1,840

Percentage of household income going toward car insurance:4%

4. West Virginia

Median annual household income: $48,927

Median price of annual car insurance policy: $2,074

Percentage of household income going toward car insurance:4.2%

3. Kentucky

Median annual household income: $50,392

Median price of annual car insurance policy: $2,292

Percentage of household income going toward car insurance:4.5%

2. Louisiana

Median annual household income: $52,456

Median price of annual car insurance policy: $2,912

Percentage of household income going toward car insurance:5.5%

1. Michigan

Median annual household income: $56,101

Median price of annual car insurance policy: $4,490

Percentage of household income going toward car insurance:8%

Top 10 Lowest-Cost States for CarInsurance:

42. Maine – 1.993% (percentage of household income going to carinsurance)

43. Virginia – 1.992%

44. California – 1.991%

45. New Hampshire – 1.988%

46. Iowa – 1.973%

47. Oregon – 1.955%

48. Alaska – 1.752%

49. Hawaii – 1.634%

50. North Carolina – 1.625%

51. Massachusetts – 1.434%