No. 3: Illinois
Cost: $1,999 (10 percent below the national average)
Perhaps all that wind howling off of Lake Michigan has kept Illinois drivers closer to home. Or maybe Chicago's L train is helping many ditch their cars. Whatever the reason may be, Illinois drivers use their cars much less than their counterparts in other states.
On average, they drive only about 8,238 miles per year, compared with a national average of nearly 10,109 miles. And judging from the average gas prices, that's for the best. Illinois prices are 5 percent above the national average, with an average of $3.68 per gallon in 2013.
Of the states that made the top five cheapest in this year's ranking, Illinois drivers pay insurance rates closest to the national average. At $805 per year, their policies cost only about $60 less than the typical American's insurance.