Car insurance in Florida is costly

Sunshine state drivers on the hunt for cheap car insurance should head to Ohio, Maine, or even Idaho.

Florida? The state known for low taxes and a lower cost of living has the fifth-highest average annual car insurance premiums in the country at $1,742, according to a new report from Insure.com. Florida is ahead of West Virginia and behind Louisiana, Washington, D.C., Montana and the highest-cost state, Michigan.

The Wolverine state is a constant at the top of the list: It's been one or two for high cost in all five years Insure.com has compiled the survey. The main reason for the expensive premiums in Michigan, says Insure.com, is the state's unusual no fault-auto insurance system, where policies guarantee unlimited medical benefits. The average annual premium in 2014 in Michigan is $2,476.