Lousiana’s average premium is $2,510.87 compared with Maine’s at $902.85. Wisconsin’s average premium is $1,010.93.

Insure.com commissioned a survey from Quadrant Information Services. Average insurance rates were calculated for more than 2,400 vehicles for model year 2010.

One explanation for Maine’s average premium being so low is that there are very few drivers in Maine. Portland, the largest urban area in the sate, has excellent mass transit and a system for alternative transportation modes to the auto. Less cars on the roads helps limit the number of car accidents, which ultimately means less expenses having to be paid out by the insurance companies.

As Wisconsin elected officials continue the debate on transit options for Wisconsin, Maine can help demonstrate how alternative transportation modes translate into less taxpayers dollars for required household expenses.

For now, Wisconsin ranking of 4th least expensive state for car insurance gives us all one more reason to love our state.

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For more information on Wisconsin Car Accidents and Insurance.