No. 2: Ohio
Cost: $1,973 (11 percent below the national average)
Could it be that Cincinnati chili has a calming effect on drivers? Or perhaps Ohio residents are simply better behind the wheel than others.
Whatever the reason, auto insurance is especially cheap in Ohio. According to the National Association of Insurance Commissioners, the average policy cost less than $700 per year in the state. That's 23 percent lower than the national average.
Car repairs are also relatively cheap in the state. Typical Ohio residents spend $328 on the labor and parts required to fix their cars. That's 7 percent less than the typical American who finds himself or herself standing opposite an auto mechanic.