As much as you'd like to escape insurance costs, your premiums are actually a smart way to manage risk and protect your financial well-being.
While the chance of an accident or catastrophe may be small, without insurance, you'd have to come up with signicant amounts of money on your own to rebuild your life, protect your family's future or have life-saving surgery.
Protecting the things you care about — whether it's your health or family — comes cheaper in some states than others. NerdWallet looked at major insurance costs as a percentage of income in all 50 states to see how much Americans are paying.
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