exact amount you pay is based on a variety of factors, including your car’s make and model, your coverage choices, as well as things like your driving record and, sometimes, even your credit score.

Location also matters. The most expensive state for car insurance is Michigan, at an average of $2,858 a year, followed by New York and Rhode Island, both averaging $2,321 annually, according to experts.

The least expensive state is Hawaii, with an average yearly layout of $824. North Carolina ($924) and Maine and Vermont (both average $945) are right behind that.

Additionally, if you live in an urban area, you’ll pay more on average ($1,666 yearly) compared with drivers in rural spots ($1,472 a year). Also, a single prior traffic offense can push your premiums up by an average of 35%, the research shows.

There are ways to reduce what you pay, beyond dropping parts of your coverage or increasing your deductibles.

For instance, bundling — i.e., getting both auto and homeowners insurance from the same provider — can save you an average of 8% yearly, according to Experts. Or, if you are a member of the military, you could save 2.2%. And if you take a driver safety training course as an older American, you could save as much as 15.2%.

The best way to find a lower rate, however, is to shop around and get quotes from multiple insurers to find the one that gives you the best deal, Experts said.

Experts analyzed more than 40 million auto insurance premiums in its database to produce its research.