Michigan, Louisiana and Oklahoma are the top three states with the most expensive average auto insurance premiums, according to market data company QuinStreet via Insure.com.

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As with auto insurance, most states mandate minimum liability coverage for motorcycles, though theft (comprehensive) insurance is optional.

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But Tobias is right: In most states, the auto insurance system is an expensive, inefficient abomination that ill-serves justice and ill-compensates the seriously injured.

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That's why under my plan, individuals will be required to carry basic health insurance -- just as most states require you to carry auto insurance.

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The requirement, Obama noted Wednesday night, would be similar to mandatory auto insurance in most states.

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For instance, the European Court of Justice recently ruled that rates could not be based on gender, a move that some feel will hurt female drivers by significantly raising their rates most especially female drivers under the age of 25, where the discrepancies in auto insurance rates between men and women are most pronounced.

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Previously the company axed higher-risk auto insurance, ditched most non-North American insurance business and converted employee-agents into independent contractors responsible for their own benefits.

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The president and other defenders of the health law have noted that most states already require drivers to carry auto insurance.

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