5 best and worst states for car insurance costs

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    The summer driving season is fast approaching, which is great news if you're planning a road trip. But summer is also the busiest season when it comes to auto insurance claims, so now might be a good time to make sure that your coverage is up to date. According to the National Association of Insurance Commissioners (NAIC), the average annual cost of car insurance nationwide was $815 in 2012.

    At the same time, insurance premiums fluctuate widely by state, due to factors such as rural vs. urban drivers, percentage of uninsured drivers, local cost-of-living figures and hazardous weather conditions.

    To get a closer look at state-by-state insurance costs, InsuranceQuotes.com has just issued a report measuring average premiums using information from the largest insurance carriers in each state. It also created an "average" driver: someone who is employed and who drives a 2012 sedan, has a bachelor's degree, an excellent credit score and no lapse in insurance coverage.

    With those factors in mind, here are America's five most and least expensive states for car insurance.