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Mid-Atlantic: High rates, isolated pain

Washington, D.C., leads the nation in personal auto insurance pain. Capital residents not only pay the highest average expenditures in the nation at $1,126, they also rank among the lowest (47th) in median income at $60,418. As a result, auto insurance takes a painful bite out of their pocketbooks.

Among the other auto pain states, Delaware’s expenditures and incomes are both high, South Carolina’s rates and income are both low and West Virginia’s rates are painfully high for its modest median income.

  Pain states Tame states
Auto insurance Delaware

District of Columbia

South Carolina

West Virginia

Maryland

North Carolina

Virginia

Home insurance District of Columbia

North Carolina

Sourth Carolina

West Virgnia

Delaware

Maryland

Virignia

By contrast, Maryland, which ranks third nationally with a median income of $101,803, and Virginia, which ranks 10th with a median income of $85,939, respectively rank 33rd and 46th on the pain scale.

Low median incomes are causing the home insurance expenditure discomfort in each of the pain states, which, except for the District of Columbia, pay average annual premiums below the national average of $791.

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