Are you paying an arm and a leg in car insurance rates? If your driving record isn’t at fault, it may be where you life. Certain U.S. states pay higher insurance premiums compared to others due to factors such as car theft rates, personal injury fraud due to car accidents, and proximity to desirable city centers.

Here’s a roundup of the U.S. states with the most expensive car insurance rates…

1. New York State

New Yorkers, the state not just city dwellers, pay exorbitant car insurance rates. Even if you live in rural Buffalo, chances are your car insurance will be over $2,500 to almost $3,000 annually.

2. Michigan

Many folks “Discover the beauty of Michigan” but choose not to live in the state due to the high car insurance rates. Sure, the rates of car theft are high in the city of Detroit, but the main reason is the payouts to car accident victims. Regardless of if you’re at fault or not, the state of Michigan has a no-fault policy that demands auto insurance companies cover all medical costs in addition to 85-percent of lost wages due to a car accident.

3. Connecticut

A two hour drive between the state of Connecticut and New York City may seem long, but car insurance companies don’t seem to think so. In fact, car insurance is upwards of $2,700 yearly for the average Connecticut driver. Why? Due to the fact that Connecticut lies in cozy proximity to the Big Apple.

4. Florida

The sunny state of Florida might not have snow covered roads for half the year. However, rampant personal injury protection (or PIP) covered by insurance companies is cause for frequent car accident fraud and large payouts by insurance companies. Florida does have a limit on what they’ll pay, but that doesn’t stop the annual PIP fraud in the state from racking up a $1 billion dollar annual price tag.