The 20 Most Miserable States For Driving

car insurance misery driving index

Photo: Pater Martorano

In the right conditions, driving is one of life’s great pleasures. But the costs that come with filling the tank and insurance coverage can take the fun out of it altogether.To find out where in America drivers suffer the most, CarInsurance.com compiled an “Automotive Misery Index,” comparing gas prices, insurance rates, and average miles driven with each state’s median household income.

New Hampshire came out on top, with a “misery index” of just 4.4 per cent – two and half points below the country’s 7 per cent rating overall.

#20 South Dakota

Cost of gas: $3.78/gallon

Total gas cost: $2,043/year

Average car insurance: $1,316/year

Median household income: $46,126

Misery Index: 7.3 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

#19 North Dakota

Cost of gas: $4.01/gallon

Total gas cost: $2,364/year

Average car insurance: $1,432/year

Median household income: $51,141

Misery Index: 7.4 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

#18 Kansas

Cost of gas: $3.74/gallon

Total gas cost: $1,975/year

Average car insurance: $1,411/year

Median household income: $45,842

Misery Index: 7.4 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

#17 South Carolina

Cost of gas: $3.60/gallon

Total gas cost: $2,021/year

Average car insurance: $1,104/year

Median household income: $41,744

Misery Index: 7.5 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

#16 Texas

Cost of gas: $3.67/gallon

Total gas cost: $2,040/year

Average car insurance: $1,654/year

Median household income: $47,862

Misery Index: 7.7 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

#15 Florida

Cost of gas: $3.78/gallon

Total gas cost: $1,964/year

Average car insurance: $1,655/year

Median household income: $45,313

Misery Index: 8 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

#14 New Mexico

Cost of gas: $3.69/gallon

Total gas cost: $2,373/year

Average car insurance: $1,283/year

Median household income: $44,679

Misery Index: 8.2 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

#13 Tennessee

Cost of gas: $3.66/gallon

Total gas cost: $2,149/year

Average car insurance: $1,234/year

Median household income: $39,936

Misery Index: 8.5 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

#12 Missouri

Cost of gas: $3.59/gallon

Total gas cost: $2,175/year

Average car insurance: $2,073/year

Median household income: $47,879

Misery Index: 8.9 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

#11 Alabama

Cost of gas: $3.97/gallon

Total gas cost: $2,296/year

Average car insurance: $1,351/year

Median household income: $40,808

Misery Index: 8.9 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

#10 Arkansas

Cost of gas: $3.67/gallon

Total gas cost: $2,082/year

Average car insurance: $1,329/year

Median household income: $37,856

Misery Index: 9 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

#9 Wyoming

Cost of gas: $3.65/gallon

Total gas cost: $3,047/year

Average car insurance: $1,780/year

Median household income: $52,848

Misery Index: 9.1 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

#8 Kentucky

Cost of gas: $3.87/gallon

Total gas cost: $2,306/year

Average car insurance: $1,554/year

Median household income: $42,302

Misery Index: 9.1 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

#7 Michigan

Cost of gas: $4.05/gallon

Total gas cost: $2,186/year

Average car insurance: $2,088/year

Median household income: $46,597

Misery Index: 9.2 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

#6 Montana

Cost of gas: $3.70/gallon

Total gas cost: $2,081/year

Average car insurance: $1,924/year

Median household income: $41,286

Misery Index: 9.7 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

#5 Georgia

Cost of gas: $3.84/gallon

Total gas cost: $2,537/year

Average car insurance: $1,732/year

Median household income: $44,082

Misery Index: 9.7 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

#4 West Virginia

Cost of gas: $3.93/gallon

Total gas cost: $2,224/year

Average car insurance: $2,068/year

Median household income: $41,999

Misery Index: 10.2 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

#3 Louisiana

Cost of gas: $3.69/gallon

Total gas cost: $1,975/year

Average car insurance: $2,529/year

Median household income: $42,813

Misery Index: 10.5 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

#2 Oklahoma

Cost of gas: $3.68/gallon

Total gas cost: $2,725/year

Average car insurance: $2,091/year

Median household income: $45,018

Misery Index: 10.7 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

#1 Mississippi

Cost of gas: $3.66/gallon

Total gas cost: $2,772/year

Average car insurance: $1,515/year

Median household income: $36,821

Misery Index: 11.6 per cent

Gas prices are based on the AAA Daily Fuel Gauge Report on September 1. Fuel use and insurance are based on figures for a 2012 Honda Accord. Income is provided by the 2010 Census.

Now see which cities cost the most to get around.

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