According to a survey by consumer advocate website Insure.com, Florida is the eighth most expensive state for auto insurance. Motorists in the state pay an average of $1,654 annually for insurance, which is $329 higher than the nationwide average of $1,325.

Michigan is at the top of the list of the costliest states for car insurance for the third consecutive year in a row, with an average premium of $2,738 annually. Montana was runner up for the second year in a row, with average annual premiums of $2297. New Jersey is at third place, with $1,905.

On the other hand, Maine took the top spot as the state with the most affordable car insurance at $808 annually.

The rankings were based on data from six of the country’s largest auto insurers, with a 40-year old man with a clean driving record and good credit used as the hypothetical model. Rates from ten ZIP codes in each state were taken and compiled.

Insure.com took the rates for the 20 best-selling cars in the U.S. to provide more accurate and plausible data from average drivers.