The 10 states where insurance costs the most

Life insurance was the least expensive of all insurance types measured, with an average annual rate of $304, based on quotes for four profiles: 35-year-old men and women and 45-year-old men and women with a standard non-tobacco policy, $250,000 in coverage and a 20-year term. This number held true in all states except New York and Montana, which are subject to different state regulations.

“Yet, only 30 percent of people have life insurance," Chu noted. "Why is that? It might be because they aren’t aware of the price.” 

Keep reading to see which 10 states are subject to the highest insurance costs. 

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