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Your age, driving record and type of car you have aren't the only factors that can inflate your auto insurance premium. According to a new study by Insure.com, the state you live in can be the difference between paying little more than $900 or $2,500 annually.
"In each state, auto insurance rates are a mix of many ingredients, most of which consumers can't control," said Amy Danise, editorial director of Insure.com. "Urban areas, traffic conditions, state insurance laws, competition among insurance companies, the percentage of uninsured drivers and natural disasters all swirl together to influence rates—sometimes in unsavory ways."
Insure.com ranked all 50 states, plus Washington, D.C., on the cost of car insurance. Here's the priciest states of the bunch, and the cheapest:
West Virginia $2,518
Washington, D.C. $2,127
Rhode Island $2,020
New Hampshire $983
—By CNBC's Robert Ferris