Here Are the Most and Least Expensive States for Car Insurance


Owning a car comes with plenty of hidden expenses. But there’s one extra cost you may be paying that’s especially easy to miss: On top of gas, taxes, and maintenance fees, you may be charged higher-than-average car insurance premiums depending on where you live.

As Forbes reports, recently published its annual ranking of car insurance rates for all 50 states and Washington, D.C. Prices vary from state to state due to a variety of factors. Areas with severe weather conditions, dense populations, high percentages of uninsured drivers, and strict auto insurance laws are more likely to hike rates for their residents.

In Michigan, for example, motorists pay annual premiums of $2394—$1076 more than the national average of $1318. attributes this to the state’s no-fault car insurance law, which requires all car owners to buy personal injury protection insurance for themselves and their family members in case of an accident. Michigan’s steep insurance costs mean many drivers simply refuse to pay them, which results in rates rising even higher in the state.

Other expensive locations on the list include Louisiana, where annual premiums average $1921, and Connecticut, with premiums averaging $1897. If you’re looking to reduce your auto costs to the bare minimum, consider moving to Maine. The state’s dispersed population and lack of destructive weather contribute to average premiums of $864, 34 percent less than the national average. You can view the full ranking below.

1. Michigan: $2394

2. Louisiana: $1921

3. Connecticut: $1897

4. Rhode Island: $1848

5. Florida: $1840

6. Washington D.C.: $1696

7. California : $1673

8. Wyoming: $1538

9. Delaware: $1526

10. Texas: $1506

11. Oklahoma: $1476

12. Georgia: $1440

13. Arkansas: $1409

14. New Jersey: $1375

15. West Virginia: $1369

16. Kentucky: $1365

17. New York: $1352

18. Colorado: $1351

19. Arizona: $1348

20. Nevada: $1342

21. Maryland: $1327

22. Mississippi: $1326

23. Pennsylvania: $1313

24. Oregon: $1308

25. Hawaii: $1294

26. North Dakota: $1291

27. South Carolina: $1286

28. Massachusetts: $1242

29. Minnesota: $1241

30. Alabama: $1226

31. Montana: $1217

32. Washington: $1216

33. New Mexico: $1201

34. Kansas: $1192

35. Tennessee: $1186

36. Illinois: $1159

37. Wisconsin: $1154

38. Alaska: $1132

39. New Hampshire: $1124

40. Nebraska: $1112

41. Missouri: $1107

42. Utah: $1068

43. South Dakota: $1058

44. Virginia: $1040

45. Indiana: $1021

46. Iowa: $1017

47. North Carolina: $1010

48. Vermont $948

49. Idaho: $942

50. Ohio: $919

51. Maine: $864

[h/t Forbes]

6 Things Americans Should Know About Net Neutrality

Net neutrality is back in the news, as Ajit Pai—the chairman of the Federal Communications Commission (FCC) and a noted net neutrality opponent—has announced that he plans to propose sweeping deregulations during a meeting in December 2017. The measures—which will fundamentally change the way consumers and businesses use and pay for internet access—are expected to pass the small committee and possibly take effect early in 2018. Here's a brief explanation of what net neutrality is, and what the debate over it is all about.


Net neutrality is a principle in the same way that "freedom of speech" is. We have laws that enforce net neutrality (as we do for freedom of speech), but it's important to understand that it is a concept rather than a specific law.


Fundamentally, net neutrality is the principle that Internet Service Providers (ISPs) should not be allowed to prioritize one kind of data traffic over another. This also means they cannot block services purely for business reasons.

To give a simple example, let's say your ISP also sells cable TV service. That ISP might want to slow down your internet access to competing online TV services (or make you pay extra if you want smooth access to them). Net neutrality means that the ISP can't limit your access to online services. Specifically, it means the FCC, which regulates the ISPs, can write rules to prevent ISPs from preferring certain services—and the FCC did just that in 2015.

Proponents often talk about net neutrality as a "level playing field" for online services to compete. This leaves ISPs in a position where they are providing a commodity service—access to the internet under specific FCC regulations—and that is not always a lucrative business to be in.


In 2014 and 2015, there was a major discussion of net neutrality that led to new FCC rules enforcing net neutrality. These rules were opposed by companies including AT&T, Comcast, Time Warner Cable, and Verizon. The whole thing came about because Verizon sued the FCC over a previous set of rules and ended up, years later, being governed by even stricter regulations.

The opposing companies see net neutrality as unnecessary and burdensome regulation that will ultimately cost consumers in the end. Further, they have sometimes promoted the idea of creating "fast lanes" for certain kinds of content as a category of innovation that is blocked by net neutrality rules.


In support of those 2015 net neutrality rules were companies like Amazon, Facebook, Google, Microsoft, Netflix, Twitter, Vimeo, and Yahoo. These companies often argue that net neutrality has always been the de facto policy that allowed them to establish their businesses—and thus in turn should allow new businesses to emerge online in the future.

On May 7, 2014, more than 100 companies sent an open letter to the FCC "to express our support for a free and open internet":

Over the past twenty years, American innovators have created countless Internet-based applications, content offerings, and services that are used around the world. These innovations have created enormous value for Internet users, fueled economic growth, and made our Internet companies global leaders. The innovation we have seen to date happened in a world without discrimination. An open Internet has also been a platform for free speech and opportunity for billions of users.


Ajit Pai, who was one of the recipients of that open letter above and is now Chairman of the FCC, quoted Emperor Palpatine from Return of the Jedi when the 2015 rules supporting net neutrality were first codified. (At the time he was an FCC Commissioner.) Pai said, "Young fool ... Only now, at the end, do you understand." His point was that once the rules went into effect, they could have the opposite consequence of what their proponents intended.

The Star Wars quote-off continued when a Fight for the Future representative chimed in. As The Guardian wrote in 2015 (emphasis added):

Referring to Pai's comments Evan Greer, campaigns director at Fight for the Future, said: "What they didn't know is that when they struck down the last rules we would come back more powerful than they could possibly imagine."


The Star Wars quotes above get at a key point of the net neutrality debate: Pai believes that net neutrality stifles innovation. He was quoted in 2015 in the wake of the new net neutrality rules as saying, "permission-less innovation is a thing of the past."

Pai's statement directly contradicts the stated position of net neutrality proponents, who see net neutrality as a driver of innovation. In their open letter mentioned above, they wrote, "The Commission’s long-standing commitment and actions undertaken to protect the open Internet are a central reason why the Internet remains an engine of entrepreneurship and economic growth."

In December 2016, Pai gave a speech promising to "fire up the weed whacker" to remove FCC regulations related to net neutrality. He stated that the FCC had engaged in "regulatory overreach" in its rules governing internet access.

For previous coverage of net neutrality, check out our articles What Is Net Neutrality? and What the FCC's Net Neutrality Decision Means.

Live Smarter
This AI Tool Will Help You Write a Winning Resume

For job seekers, crafting that perfect resume can be an exercise in frustration. Should you try to be a little conversational? Is your list of past jobs too long? Are there keywords that employers embrace—or resist? Like most human-based tasks, it could probably benefit from a little AI consultation.

Fast Company reports that a new start-up called Leap is prepared to offer exactly that. The project—started by two former Google engineers—promises to provide both potential minions and their bosses better ways to communicate and match job needs to skills. Upload a resume and Leap will begin to make suggestions (via highlighted boxes) on where to snip text, where to emphasize specific skills, and roughly 100 other ways to create a resume that stands out from the pile.

If Leap stopped there, it would be a valuable addition to a professional's toolbox. But the company is taking it a step further, offering to distribute the resume to employers who are looking for the skills and traits specific to that individual. They'll even elaborate on why that person is a good fit for the position being solicited. If the company hires their endorsee, they'll take a recruiter's cut of their first year's wages. (It's free to job seekers.)

Although the service is new, Leap says it's had a 70 percent success rate landing its users an interview. The rest is up to you.

[h/t Fast Company]


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