Owning a car is a financial burden in two western US states that ranked the most expensive own a vehicle compared to the midwest and east coast.

California and Nevada ranked highest for gas prices, which average $4.24 to $4.76, and car insurance rates, which soar to $3,342 a year. Forbes report.

These two states scored the highest out of 100 on spending with other West Coast states such as Colorado, New Mexico, AlaskaWyoming and Washington follow close behind.

The report shows that Ohio is one of the cheapest states to own a car, with the estimated cost of car insurance at $1,112.

The most expensive car expenses in California are the cost of gasoline, plus an average of $415.66 in car repairs, $572 in monthly car payments and an annual insurance rate of about $2,462.

The insurance rate in Nevada is higher than in California at $3,342 per year. Expensive loan repayments of $582 per month, average car repairs of $398.26 and gas prices of around $4.24 resulted in the same ranking.

Colorado ranked third among the most expensive states to own a car with a score of 96.53 out of 100. The state’s high annual car insurance at $2,489 per year and average car repairs of $417.14 led the overall score.

Florida and Alaska trailed behind with scores of 84.03 and 80.56 out of 100. The Sunshine State appeared to have the highest annual insurance rate at $4,326, but that was offset by gas prices averaging about $3.33, according to the report.

Maryland, Georgia, New Mexico and Louisiana follow shortly behind. Meanwhile, Washington, Wyoming and Texas tied for tenth place.

These three states scored 70.83 out of 100 for the total cost of expensive cars, despite the fact that insurance is valued at $1,341 in Wyoming and $2,938 in Texas.

Monthly car payments in Texas were also $662, but gas prices are low at around $2.95.

California and Nevada ranked highest for gas prices, which average between $4.24 and $4.76, and for car insurance rates, which soar to $3,342 a year.

High gas prices contributed to that high rating. Pictured: Illinois gas prices on February 22

While Ohio is the cheapest state to own a car, Kansas, Indiana, Wisconsin, Nebraska and Iowa also ranked low.

Five states have the lowest average insurance rates, costing less than $2,000. Iowa has the cheapest rate at $1,238, according to the report.

On the East Coast, New York is ranked as the most expensive to insure at $4,769 per year.

Connecticut drivers have the lowest insurance rate at about $1,700 per year, but spend the most on repairs at an average of $418.37.

Earlier this year, a report found auto insurance premiums were rising 8.4 percent to an average of $1,780 this year — the biggest increase in six years driven by rising costs spare parts and repairs.

Motorists in 45 states will see premiums jump by at least 1 percent. The largest increases will affect the states of Illinois, Arizona and New Hampshire

Auto insurance premiums are set to rise 8.4 percent to an average of $1,780 this year, the biggest increase in six years

Researchers say those with a record of traffic violations and accidents will see their premiums rise by more than half.

Motorists in Michigan, Florida and Rhode Island will pay much higher than average costs, according to the report, as will those who violate driving laws and owners of Teslas and other trendy electric cars.

Divya Sangameshwar, insurance expert at ValuePenguin.com, a consumer spending website that published his findings said in January that insurers had kept rates low for the past two years, but 2023 was a different story.

“This year’s auto insurance rate increase is the highest rate increase since 2017,” Sangameshwar said.

The average American motorist will pay $1,780 this year, but some states will suffer much more.

Those in Michigan will shell out an average of $4,788, well above the national average due to the state’s strict minimum insurance requirements. Florida residents will pay $2,856 and Rhode Islanders will pay $2,748.

Motorists in 45 states will see premiums jump by at least 1 percent. The largest increase will affect Illinois (17 percent), followed by Arizona (15.6 percent) and New Hampshire (13.6 percent).

Researchers say those with a record of traffic violations and accidents will see their premiums rise by more than half. Those with speeding tickets will see an average hike of $2,194, while those with a severe condition will pay an extra $3,281.

People who drive crossover SUVs like Honda’s CR-V or Toyota’s RAV4 make some of the best deals, as they are usually cheaper to repair and replace than other vehicles. Pickup trucks and large SUVs cost more.

But the owners of top electric cars are the most affected. Porsche Taycan drivers will pay an average of $3,576 in premiums this year, while Tesla Model Y drivers will pay $3,110 in premiums.