Here's an often overlooked fact about insurance: Its cost varies substantially based on where you live. With this in mind, a new study looks at the cumulative costs for life, health, auto and home coverage across all 50 states.  

"It's the first time that we've done this report that synthesizes all insurance costs together," said Jeff Chu, an insurance analyst at NerdWallet, a personal finance information service that also provides comparison tools for consumers. 

Looking at the data, there are qualifiers to take into account. Chu noted that the health insurance costs came from a 2013 Henry J. Kaiser Family Foundation report on average health insurance premiums in the individual market. 

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