{"id":2324,"date":"2025-11-18T21:05:09","date_gmt":"2025-11-18T21:05:09","guid":{"rendered":"https:\/\/paskutinenaujiena.lt\/index.php\/2025\/11\/18\/jav-valstijos-su-auksciausiais-automobiliu-draudimo-tarifais\/"},"modified":"2025-11-18T21:05:09","modified_gmt":"2025-11-18T21:05:09","slug":"jav-valstijos-su-auksciausiais-automobiliu-draudimo-tarifais","status":"publish","type":"post","link":"https:\/\/paskutinenaujiena.lt\/index.php\/2025\/11\/18\/jav-valstijos-su-auksciausiais-automobiliu-draudimo-tarifais\/","title":{"rendered":"JAV valstijos su auk\u0161\u010diausiais automobili\u0173 draudimo tarifais"},"content":{"rendered":"<p><\/p>\n<div id=\"content\">\n<article class=\"news-post\">&#13;<br \/>\n    &#13;<br \/>\n    &#13;<br \/>\n    &#13;<\/p>\n<p>&#13;<br \/>\n    &#13;<\/p>\n<div class=\"news-article\">\n<div class=\"slide-key image-holder gallery-image-holder credit-image-wrap lead-image-holder\" data-post-url=\"https:\/\/www.slashgear.com\/2026123\/us-states-highest-car-insurance-rates\/\" data-post-title=\"Ranked: US States With The Highest Car Insurance Rates\" data-slide-num=\"0\" data-post-id=\"2026123\">\n                                             <picture id=\"p07345f47f69f47d257234bd8a938d057\">&#13;<source media=\"(min-width: 429px)\" srcset=\"https:\/\/www.slashgear.com\/img\/gallery\/ranked-us-states-with-the-highest-car-insurance-rates\/intro-1763069981.webp\" type=\"image\/webp\">&#13;<source media=\"(max-width: 428px)\" srcset=\"https:\/\/www.slashgear.com\/img\/gallery\/ranked-us-states-with-the-highest-car-insurance-rates\/intro-1763069981.sm.webp\" type=\"image\/webp\">&#13;<br \/>\n                        &#13;<br \/>\n                    <\/source><\/source><\/picture>\n                    <span class=\"gallery-image-credit\">Sahrul1108 \/ Shutterstock<\/span>\n                    <\/div>\n<div class=\"columns-holder \">\n<p dir=\"ltr\">Tur\u0117damas automobil\u012f supranti, kad investavote \u012f nuosekl\u0173 pinig\u0173 nutek\u0117jim\u0105. Nukeliauti i\u0161 ta\u0161ko A \u012f B b\u016btina, ypa\u010d jei gyvenate ne itin vaik\u0161\u010diojan\u010diame mieste, kuriame yra tinkamas susisiekimas vie\u0161uoju transportu, ta\u010diau tai neb\u016btinai i\u0161mu\u0161 j\u016bs\u0173 pinigin\u0119. Be to, kad tikrai \u012fsigysite automobil\u012f, tur\u0117site pri\u017ei\u016br\u0117ti ir mok\u0117ti draudimo \u012fmokas, kad \u017eymiai suma\u017eintum\u0117te dideli\u0173 i\u0161laid\u0173 galimyb\u0119.<\/p>\n<p dir=\"ltr\">Per j\u016bs\u0173 automobilio valdym\u0105 gali suklysti milijonas ir vienas dalykas; nelaimingi atsitikimai, vagyst\u0117s ir net stichin\u0117s nelaim\u0117s gali i\u0161deginti skyl\u0119 j\u016bs\u0173 ki\u0161en\u0117je be apsaugos. \u0160tai kod\u0117l automobilio draudimas yra privalomas pagal \u012fstatymus beveik visose JAV valstijose (i\u0161skyrus Nauj\u0105j\u012f Hamp\u0161yr\u0105). Tiksli minimali mok\u0117tina suma \u012fvairiose valstijose skiriasi d\u0117l daugyb\u0117s veiksni\u0173: ie\u0161kini\u0173 da\u017enumo, pretenzij\u0173 skai\u010diaus ir to, ar esate \u201ebe kalt\u0117s\u201c. Jei ie\u0161kote, kaip sutaupyti kelet\u0105 doleri\u0173, \u201eSlashGear\u201c ap\u0117m\u0117 j\u016bs\u0173 galimybes \u012fsigyti pigesn\u012f automobilio draudim\u0105. <\/p>\n<p dir=\"ltr\">Ta\u010diau \u0161io straipsnio tikslais nenagrin\u0117sime minimum\u0173. Vietoj to pa\u017evelgsime \u012f realesnes metines visos apr\u0117pties i\u0161laidas. Vidutinis vairuotojas Amerikoje i\u0161leid\u017eia 2149 USD draudimo \u012fmokoms u\u017e vis\u0105 draudim\u0105 per metus vienam \u201eForbes\u201c \u2013 v\u0117lgi, \u0161is skai\u010dius priklauso nuo toki\u0173 veiksni\u0173 kaip am\u017eius, kredito balas, transporto priemon\u0117s tipas ir vieta. Vieta yra m\u016bs\u0173 pagrindinis r\u016bpestis, tod\u0117l \u010dia yra penkios JAV valstijos, kuriose automobili\u0173 draudimo tarifai yra did\u017eiausi.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>&#13;<\/p>\n<div class=\"news-article\">\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Turinys:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/paskutinenaujiena.lt\/index.php\/2025\/11\/18\/jav-valstijos-su-auksciausiais-automobiliu-draudimo-tarifais\/#Nevada_3_010_USD\" >Nevada (3 010 USD)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/paskutinenaujiena.lt\/index.php\/2025\/11\/18\/jav-valstijos-su-auksciausiais-automobiliu-draudimo-tarifais\/#Miciganas_3_107_USD\" >Mi\u010diganas (3 107 USD)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/paskutinenaujiena.lt\/index.php\/2025\/11\/18\/jav-valstijos-su-auksciausiais-automobiliu-draudimo-tarifais\/#Luiziana_3_298_USD\" >Luiziana (3 298 USD)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/paskutinenaujiena.lt\/index.php\/2025\/11\/18\/jav-valstijos-su-auksciausiais-automobiliu-draudimo-tarifais\/#Niujorkas_3_317_USD\" >Niujorkas (3 317 USD)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/paskutinenaujiena.lt\/index.php\/2025\/11\/18\/jav-valstijos-su-auksciausiais-automobiliu-draudimo-tarifais\/#Florida_3_356_USD\" >Florida (3 356 USD)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/paskutinenaujiena.lt\/index.php\/2025\/11\/18\/jav-valstijos-su-auksciausiais-automobiliu-draudimo-tarifais\/#Kaip_mes_priejome_prie_siu_skaiciu\" >Kaip mes pri\u0117jome prie \u0161i\u0173 skai\u010di\u0173<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"\"><span class=\"ez-toc-section\" id=\"Nevada_3_010_USD\"><\/span>Nevada (3 010 USD)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"slide-key image-holder gallery-image-holder credit-image-wrap \" data-post-url=\"https:\/\/www.slashgear.com\/2026123\/us-states-highest-car-insurance-rates\/\" data-post-title=\"Ranked: US States With The Highest Car Insurance Rates\" data-slide-num=\"1\" data-post-id=\"2026123\">\n                                             <picture id=\"p9bca902f48a46db15a508895b37ed29d\">&#13;<source media=\"(min-width: 429px)\" srcset=\"https:\/\/www.slashgear.com\/img\/gallery\/ranked-us-states-with-the-highest-car-insurance-rates\/nevada-3010-1763069983.webp\" type=\"image\/webp\">&#13;<source media=\"(max-width: 428px)\" srcset=\"https:\/\/www.slashgear.com\/img\/gallery\/ranked-us-states-with-the-highest-car-insurance-rates\/nevada-3010-1763069983.sm.webp\" type=\"image\/webp\">&#13;<br \/>\n                        <img loading=\"lazy\" decoding=\"async\" class=\"gallery-image \" src=\"https:\/\/www.slashgear.com\/2026123\/us-states-highest-car-insurance-rates\/\" data-post-id=\"2026123\" data-slide-num=\"1\" data-slide-title=\"Ranked: US States With The Highest Car Insurance Rates: Nevada ($3,010)\" width=\"780\" height=\"438\" alt=\"Nevados kaln\u0173, supan\u010di\u0173 Las Vegas\u0105, nuotrauka\"\/>&#13;<br \/>\n                    <\/source><\/source><\/picture>\n                    <span class=\"gallery-image-credit\">Miroslav_1\/Getty Images<\/span>\n                    <\/div>\n<div class=\"columns-holder \">\n<p dir=\"ltr\">Automobili\u0173 draudimo \u012fkainiai per pastaruosius dvejus metus Jungtin\u0117se Valstijose smarkiai i\u0161augo, o Nevada buvo viena i\u0161 t\u0173, kuriuos labiausiai nukent\u0117jo draudimo \u012fmok\u0173 padid\u0117jimas. Nuo 2023 m. sausio m\u0117n. iki 2024 m. kovo m\u0117n. Sidabrin\u0117je valstijoje kainos \u0161oktel\u0117jo 38 proc. \u2013 tai yra did\u017eiausias padid\u0117jimas i\u0161 vis\u0173 valstij\u0173. To prie\u017eastis neai\u0161ki; Infliacijai \u012ftakos gal\u0117jo tur\u0117ti bet koks veiksnys, pavyzd\u017eiui, automobili\u0173 remonto i\u0161laidos (2024 m. jos i\u0161augo 6,7 proc. per metus) arba draudimo i\u0161mok\u0173 padid\u0117jimas.<\/p>\n<p dir=\"ltr\">Remiantis skai\u010diavimais, vidutinis Nevados automobilio savininkas draudimui i\u0161leid\u017eia 4,91% savo pajam\u0173, atsilieka tik nuo Mi\u010digano, Floridos ir Luizianos. \u0160is skai\u010dius gali dar labiau padid\u0117ti, nes veiksniai, lemiantys prieaug\u012f, nei\u0161nyks per nakt\u012f.<\/p>\n<p dir=\"ltr\">Nevados gyventoj\u0173 skai\u010dius nuolat auga; Remiantis JAV sura\u0161ymo biuro duomenimis, tai yra \u0161e\u0161ta spar\u010diausiai auganti JAV valstija pagal procent\u0105. Siekiant neatsilikti nuo \u0161io padid\u0117jusio miest\u0173 tankumo, tokiuose regionuose kaip Klarko apygarda vyksta pla\u010diai paplitusios statybos. Galima sakyti, kad did\u0117jantis gyventoj\u0173 tankumas ir statybos pavojai padidina automobili\u0173 savinink\u0173 rizikos profil\u012f draudimo bendrov\u0117ms.<\/p>\n<p dir=\"ltr\">Taip pat egzistuoja automobili\u0173 vagys\u010di\u0173 rizika, kurios negalima ignoruoti \u2013 2023 m. Nevada prane\u0161\u0117 apie 573 automobili\u0173 vagystes 100 000 gyventoj\u0173, o tai rei\u0161kia, kad valstyb\u0117 u\u017eima tre\u010di\u0105 viet\u0105 nepageidaujam\u0173 asmen\u0173 kategorijoje. Turime kelet\u0105 patarim\u0173, kaip apsisaugoti, kad j\u016bs\u0173 automobilis neb\u016bt\u0173 pavogtas. Nuo 2025 m. visi\u0161kai apdrausti transporto priemon\u0119 \u0161ioje valstyb\u0117je kainuos vidutini\u0161kai 3 010 USD.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>&#13;<\/p>\n<div class=\"news-article\">\n<h2 class=\"\"><span class=\"ez-toc-section\" id=\"Miciganas_3_107_USD\"><\/span>Mi\u010diganas (3 107 USD)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"slide-key image-holder gallery-image-holder credit-image-wrap \" data-post-url=\"https:\/\/www.slashgear.com\/2026123\/us-states-highest-car-insurance-rates\/\" data-post-title=\"Ranked: US States With The Highest Car Insurance Rates\" data-slide-num=\"2\" data-post-id=\"2026123\">\n                                             <picture id=\"p07e500c7994012192b1adea7dbf9adb7\">&#13;<source media=\"(min-width: 429px)\" srcset=\"https:\/\/www.slashgear.com\/img\/gallery\/ranked-us-states-with-the-highest-car-insurance-rates\/michigan-3107-1763069985.webp\" type=\"image\/webp\">&#13;<source media=\"(max-width: 428px)\" srcset=\"https:\/\/www.slashgear.com\/img\/gallery\/ranked-us-states-with-the-highest-car-insurance-rates\/michigan-3107-1763069985.sm.webp\" type=\"image\/webp\">&#13;<br \/>\n                        <img loading=\"lazy\" decoding=\"async\" class=\"gallery-image \" src=\"https:\/\/www.slashgear.com\/2026123\/us-states-highest-car-insurance-rates\/\" data-post-id=\"2026123\" data-slide-num=\"2\" data-slide-title=\"Ranked: US States With The Highest Car Insurance Rates: Michigan ($3,107)\" width=\"780\" height=\"438\" alt=\"Ikonini\u0173 pastat\u0173 Mi\u010digane nuotrauka\"\/>&#13;<br \/>\n                    <\/source><\/source><\/picture>\n                    <span class=\"gallery-image-credit\">Benedek \/ Getty Images<\/span>\n                    <\/div>\n<div class=\"columns-holder \">\n<p dir=\"ltr\">Auk\u0161ti automobilio draudimo tarifai jau seniai buvo kar\u0161ta tema Mi\u010digane; 2019 m. valstyb\u0117s \u012fstatym\u0173 leid\u0117jas pasi\u016bl\u0117 reform\u0105, kad b\u016bt\u0173 pakeista dinamika. Neriboto reikalavimo be kalt\u0117s panaikinimas buvo svarbiausias \u012fstatymo projekto akcentas, o popieriuje tai tur\u0117jo i\u0161spr\u0119sti problem\u0105.<\/p>\n<p dir=\"ltr\">Ta\u010diau draudimo i\u0161laidos v\u0117l pasiek\u0117 iki 2020 m. buvusi\u0105 lyg\u012f, o vidutinis Mi\u010digano vairuotojas turi skirti 3 107 USD per m\u0117nes\u012f, kad apdraust\u0173 savo transporto priemon\u0119. Pasak Bankrate, kai kuriose srityse, tokiose kaip Detroitas ir Vorenas, \u0161is skai\u010dius siekia \u0161iek tiek ma\u017eiau nei 3700 USD. Prie\u017eastis, kod\u0117l po reformos kilo draudimo \u012fkainiai, gali b\u016bti siejama su \u012fstatymo spragas, kurios leido paslaug\u0173 teik\u0117jams apeiti draudim\u0105 susieti klient\u0173 draudimo s\u0105skaitas su j\u0173 pa\u0161to kodais.<\/p>\n<p>Kiti veiksniai, prisidedantys prie auk\u0161t\u0173 rodikli\u0173, yra suk\u010diavimas draudimuose (pra\u0117jusiais metais Detroite prane\u0161\u0117 apie 855,88 balt\u0173j\u0173 apykakli\u0173 nusikaltim\u0173 10 000 \u017emoni\u0173) ir neapdraust\u0173 vairuotoj\u0173 dalis valstijos keliuose; ma\u017edaug kas penktas vairuotojas n\u0117ra apdraustas. Kol \u012fstatym\u0173 leid\u0117jas neras b\u016bdo panaikinti \u0161iuo metu Mi\u010digano valstijoje taikom\u0173 kreditu pagr\u012fsto draudimo bal\u0173 spragas, ma\u017eai tik\u0117tina, kad Did\u017ei\u0173j\u0173 e\u017eer\u0173 valstija i\u0161kris i\u0161 \u0161io s\u0105ra\u0161o.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>&#13;<\/p>\n<div class=\"news-article\">\n<h2 class=\"\"><span class=\"ez-toc-section\" id=\"Luiziana_3_298_USD\"><\/span>Luiziana (3 298 USD)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"slide-key image-holder gallery-image-holder credit-image-wrap \" data-post-url=\"https:\/\/www.slashgear.com\/2026123\/us-states-highest-car-insurance-rates\/\" data-post-title=\"Ranked: US States With The Highest Car Insurance Rates\" data-slide-num=\"3\" data-post-id=\"2026123\">\n                                             <picture id=\"pdd2fc1da8eb41e0767e4759a540c904b\">&#13;<source media=\"(min-width: 429px)\" srcset=\"https:\/\/www.slashgear.com\/img\/gallery\/ranked-us-states-with-the-highest-car-insurance-rates\/louisiana-3298-1763069987.webp\" type=\"image\/webp\">&#13;<source media=\"(max-width: 428px)\" srcset=\"https:\/\/www.slashgear.com\/img\/gallery\/ranked-us-states-with-the-highest-car-insurance-rates\/louisiana-3298-1763069987.sm.webp\" type=\"image\/webp\">&#13;<br \/>\n                        <img loading=\"lazy\" decoding=\"async\" class=\"gallery-image \" src=\"https:\/\/www.slashgear.com\/2026123\/us-states-highest-car-insurance-rates\/\" data-post-id=\"2026123\" data-slide-num=\"3\" data-slide-title=\"Ranked: US States With The Highest Car Insurance Rates: Louisiana ($3,298)\" width=\"780\" height=\"438\" alt=\"Luizianos vaizdas nakt\u012f\"\/>&#13;<br \/>\n                    <\/source><\/source><\/picture>\n                    <span class=\"gallery-image-credit\">Mattgush \/ Getty Images<\/span>\n                    <\/div>\n<div class=\"columns-holder \">\n<p dir=\"ltr\">Automobili\u0173 savininkai Luizianoje sunkiai susiduria su draudimu \u2013 vairuotojai automobilio draudimui i\u0161leid\u017eia 6,53% savo metini\u0173 pajam\u0173, o tai yra did\u017eiausias procentas \u0161alyje. Dar 2023 m. \u0161is skai\u010dius buvo ma\u017edaug 2 % pigesnis, tod\u0117l yra pagrindo nerimauti. Kasmet automobilio draudimas Luizianoje kainuoja vidutini\u0161kai 3 298 USD ir, kaip ir kitose valstijose, jis auga.<\/p>\n<p dir=\"ltr\">Ties\u0105 sakant, tarifai kelia tok\u012f nerim\u0105, kad Luizianos \u012fstatym\u0173 leid\u017eiamoji vald\u017eia pra\u0117jusiais metais su\u0161auk\u0117 kelis komitetus, kad i\u0161tirt\u0173 infliacijos prie\u017eastis. Komitetai at\u0117jo tu\u0161\u010diomis rankomis; Tai \u0161iek tiek lau\u017eo galv\u0105, kod\u0117l automobilio draudimas yra toks brangus ir vis dar auga. Jau daugiau nei de\u0161imtmet\u012f neapdraust\u0173 vairuotoj\u0173 skai\u010dius svyruoja apie 14 % \u0161alies vidurkio. \u017dinoma, \u017euvusi\u0173 eismo \u012fvyki\u0173 skai\u010dius yra didesnis nei visos \u0161alies vidurkis (17,7 ir 12,2 pagal IIHS), ta\u010diau rizikingesn\u0117se valstijose, tokiose kaip Misisip\u0117, draudimo i\u0161laidos yra palankesn\u0117s.<\/p>\n<p dir=\"ltr\">Ta\u010diau galime padaryti kelet\u0105 pagr\u012fst\u0173 sp\u0117jim\u0173. Teisinis klimatas Luizianoje nepadeda; buvo tiesioginio ie\u0161kinio statutas, pagal kur\u012f ie\u0161kovams buvo suteikta automatin\u0117 teis\u0117 pareik\u0161ti ie\u0161kin\u012f tiesiogiai draudikams, nors jis buvo i\u0161 dalies pakeistas, kad b\u016bt\u0173 taikomas tik tam tikroms s\u0105lygoms. Be to, Nacionalin\u0117s draudimo komisar\u0173 asociacijos duomenimis, Luizianoje ie\u0161kini\u0173 d\u0117l su\u017ealojim\u0173 skai\u010dius yra 200% didesnis nei \u0161alies vidurkis. \u0160i\u0105 bylin\u0117jimosi rizik\u0105 (ir pa\u010di\u0173 ie\u0161kini\u0173 i\u0161laidas) susiekite su uragan\u0173 \u2013 taigi ir potvyni\u0173 \u2013 poveikiu, ir viskas prad\u0117s daryti prasm\u0119.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>&#13;<\/p>\n<div class=\"news-article\">\n<h2 class=\"\"><span class=\"ez-toc-section\" id=\"Niujorkas_3_317_USD\"><\/span>Niujorkas (3 317 USD)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"slide-key image-holder gallery-image-holder credit-image-wrap \" data-post-url=\"https:\/\/www.slashgear.com\/2026123\/us-states-highest-car-insurance-rates\/\" data-post-title=\"Ranked: US States With The Highest Car Insurance Rates\" data-slide-num=\"4\" data-post-id=\"2026123\">\n                                             <picture id=\"pf2a5749c50789be8fc721cc46d0c4350\">&#13;<source media=\"(min-width: 429px)\" srcset=\"https:\/\/www.slashgear.com\/img\/gallery\/ranked-us-states-with-the-highest-car-insurance-rates\/new-york-3317-1763069990.webp\" type=\"image\/webp\">&#13;<source media=\"(max-width: 428px)\" srcset=\"https:\/\/www.slashgear.com\/img\/gallery\/ranked-us-states-with-the-highest-car-insurance-rates\/new-york-3317-1763069990.sm.webp\" type=\"image\/webp\">&#13;<br \/>\n                        <img decoding=\"async\" class=\"gallery-image \" loading=\"lazy\" src=\"https:\/\/www.slashgear.com\/2026123\/us-states-highest-car-insurance-rates\/\" data-post-id=\"2026123\" data-slide-num=\"4\" data-slide-title=\"Ranked: US States With The Highest Car Insurance Rates: New York ($3,317)\" width=\"780\" height=\"438\" alt=\"Niujorko panoramos vaizdas vakare\"\/>&#13;<br \/>\n                    <\/source><\/source><\/picture>\n                    <span class=\"gallery-image-credit\">phototrip2403\/Shutterstock<\/span>\n                    <\/div>\n<div class=\"columns-holder \">\n<p dir=\"ltr\">Niujorkas yra antra pagal brangum\u0105 Amerikos valstija u\u017e automobilio draudim\u0105, vairuotojams kainuojanti 3 317 USD per metus. Egzistuoja daugyb\u0117 prie\u017eas\u010di\u0173, kod\u0117l daugel\u012f met\u0173 jis nuolat pasirodo tokiuose s\u0105ra\u0161uose. Kaip ir Mi\u010diganas, Niujorkas yra valstyb\u0117 be kalt\u0117s, o tai rei\u0161kia, kad kiekvienas automobilio savininkas i\u0161 esm\u0117s moka priemok\u0105, kad padengt\u0173 kiekvieno, patekusio \u012f avarij\u0105 kelyje, medicinines s\u0105skaitas. Apsauga nuo asmens su\u017ealojim\u0173 (PIP) yra privaloma, ir ji yra susieta su ma\u017eiausiai 50 000 USD vienam asmeniui.<\/p>\n<p dir=\"ltr\">D\u0117l i\u0161mok\u0117jim\u0173 da\u017enumo (ir brangios Niujorko sveikatos prie\u017ei\u016bros sistemos) prakti\u0161kai normalu, kad j\u016bs\u0173 automobilio draudimo s\u0105skaita Niujorke did\u0117ja, nepaisant to, ar esate vienas geriausiai besiginan\u010di\u0173 vairuotoj\u0173, ar k\u0105 tik gavote licencij\u0105.<\/p>\n<p dir=\"ltr\">Taip pat kyla problem\u0173 d\u0117l suk\u010diavimo ir automobili\u0173 vaiduokli\u0161k\u0173 automobili\u0173 (automobili\u0173 su padirbtais valstybiniais numeriais), kurie padidina draudimo kainas. Suk\u010diavimas autoservise rei\u0161kia transporto priemoni\u0173 registravim\u0105 u\u017e valstijos rib\u0173 gyvenant Niujorke. Remiantis Niujorko finans\u0173 departamento duomenimis, 2023 m. buvo paskelbta 4,4 mln. citat\u0173, o tai, kai kuri\u0173 nuomone, atspindi, kaip pla\u010diai paplitusi suk\u010diavimo autoservisuose problema.<\/p>\n<p dir=\"ltr\">I\u0161mokos i\u0161 \u0161i\u0173 apgauling\u0173 ie\u0161kini\u0173 \u012ftraukiamos \u012f draudimo \u012fmok\u0173 modeliavim\u0105, o tai rei\u0161kia, kad kiekvienas vairuotojas nuken\u010dia kiekvien\u0105 kart\u0105, kai vienas s\u0117kmingas suk\u010diavimo atvejis. \u012evertinus \u0161iuos unikalius veiksnius ir reguliari\u0105 statistik\u0105, pvz., \u017euvusi\u0173j\u0173 eismo \u012fvykius ir automobili\u0173 vagys\u010di\u0173 rodiklius, nenuostabu, kad automobilio draudimas Niujorke yra toks ypa\u010d brangus.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>&#13;<\/p>\n<div class=\"news-article\">\n<h2 class=\"\"><span class=\"ez-toc-section\" id=\"Florida_3_356_USD\"><\/span>Florida (3 356 USD)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"slide-key image-holder gallery-image-holder credit-image-wrap \" data-post-url=\"https:\/\/www.slashgear.com\/2026123\/us-states-highest-car-insurance-rates\/\" data-post-title=\"Ranked: US States With The Highest Car Insurance Rates\" data-slide-num=\"5\" data-post-id=\"2026123\">\n                                             <picture id=\"pd3752df40c637c8c7061b46dcd42af66\">&#13;<source media=\"(min-width: 429px)\" srcset=\"https:\/\/www.slashgear.com\/img\/gallery\/ranked-us-states-with-the-highest-car-insurance-rates\/florida-3356-1763069991.webp\" type=\"image\/webp\">&#13;<source media=\"(max-width: 428px)\" srcset=\"https:\/\/www.slashgear.com\/img\/gallery\/ranked-us-states-with-the-highest-car-insurance-rates\/florida-3356-1763069991.sm.webp\" type=\"image\/webp\">&#13;<br \/>\n                        <img decoding=\"async\" class=\"gallery-image \" loading=\"lazy\" src=\"https:\/\/www.slashgear.com\/2026123\/us-states-highest-car-insurance-rates\/\" data-post-id=\"2026123\" data-slide-num=\"5\" data-slide-title=\"Ranked: US States With The Highest Car Insurance Rates: Florida ($3,356)\" width=\"780\" height=\"438\" alt=\"Floridos pakrant\u0117s vaizdas, nus\u0117tas palm\u0117mis\"\/>&#13;<br \/>\n                    <\/source><\/source><\/picture>\n                    <span class=\"gallery-image-credit\">Rudybalasko \/ Getty Images<\/span>\n                    <\/div>\n<div class=\"columns-holder \">\n<p dir=\"ltr\">Saul\u0117tekio valstija pirmauja did\u017eiausi\u0173 JAV doleri\u0173 draudimo \u012fmok\u0173 valstij\u0173 s\u0105ra\u0161e, o atid\u017eiau pa\u017evelgus \u012f jos profil\u012f i\u0161ry\u0161k\u0117ja nerim\u0105 kelianti automobili\u0173 draudimo tarif\u0173 did\u0117jimo tendencija. Skai\u010diai, palyginti su pra\u0117jusiais metais Floridoje, i\u0161augo ma\u017edaug 16%, ir n\u0117ra joki\u0173 po\u017eymi\u0173, kad ateinan\u010diais metais pasikeis.<\/p>\n<p dir=\"ltr\">Pagal 3356 USD skai\u010di\u0173 Floridos automobilio draudimo kaina yra ma\u017edaug 279 USD per m\u0117nes\u012f \u2013 56% vir\u0161ija \u0161alies vidurk\u012f. \u0160is \u017eenklas tur\u0117t\u0173 sukelti daugiau nei kelis pakeltus antakius pagal nominali\u0105 vert\u0119. Yra keletas svarbi\u0173 veiksni\u0173, kurie reik\u0161mingai prisideda prie to.<\/p>\n<p dir=\"ltr\">Pirmiausia, nors Floridoje vairuotojai privalo tur\u0117ti draudim\u0105, apytiksliai 26,7% automobili\u0173 savinink\u0173 yra neapdrausti. Tai padidina \u012fmokas, nes yra didel\u0117 rizika patekti \u012f avarij\u0105 su neapdraustu vairuotoju. Antra, Florida yra viena i\u0161 12 draudimo be kalt\u0117s valstij\u0173; vairuotojai turi \u012fsigyti papildom\u0105 draudim\u0105, kad atitikt\u0173 valstijos minimalius 10 000 USD apsaugos nuo k\u016bno su\u017ealojim\u0173 ir atsakomyb\u0117s u\u017e \u017eal\u0105 turtui reikalavimus.<\/p>\n<p dir=\"ltr\">Be to, labai svarbu pamin\u0117ti, kad Florid\u0105 da\u017enai kamuoja stichin\u0117s nelaim\u0117s, tokios kaip uraganai. Tai rei\u0161kia, kad yra ap\u010diuopiama potvyni\u0173 rizika, ypa\u010d tokiose valstijos pakrant\u0117s vietose kaip Palm By\u010das. Ties\u0105 sakant, Floridoje yra daugiausiai potvyni\u0173 apgadint\u0173 automobili\u0173 Amerikoje \u2013 \u0161tai kas nutinka u\u017elietoms Floridos transporto priemon\u0117ms. \u0160iose srityse automobili\u0173 savininkai paprastai moka didesnes \u012fmokas nei vidaus, ir \u0161ie didesni tarifai prisideda prie didesni\u0173 vidurki\u0173.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>&#13;<\/p>\n<div class=\"news-article\">\n<h2 class=\"\"><span class=\"ez-toc-section\" id=\"Kaip_mes_priejome_prie_siu_skaiciu\"><\/span>Kaip mes pri\u0117jome prie \u0161i\u0173 skai\u010di\u0173<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"slide-key image-holder gallery-image-holder credit-image-wrap \" data-post-url=\"https:\/\/www.slashgear.com\/2026123\/us-states-highest-car-insurance-rates\/\" data-post-title=\"Ranked: US States With The Highest Car Insurance Rates\" data-slide-num=\"6\" data-post-id=\"2026123\">\n                                             <picture id=\"p3cb786f1227a8f282fb4448e5e532288\">&#13;<source media=\"(min-width: 429px)\" srcset=\"https:\/\/www.slashgear.com\/img\/gallery\/ranked-us-states-with-the-highest-car-insurance-rates\/how-we-arrived-at-these-figures-1763069994.webp\" type=\"image\/webp\">&#13;<source media=\"(max-width: 428px)\" srcset=\"https:\/\/www.slashgear.com\/img\/gallery\/ranked-us-states-with-the-highest-car-insurance-rates\/how-we-arrived-at-these-figures-1763069994.sm.webp\" type=\"image\/webp\">&#13;<br \/>\n                        <img decoding=\"async\" class=\"gallery-image \" loading=\"lazy\" src=\"https:\/\/www.slashgear.com\/2026123\/us-states-highest-car-insurance-rates\/\" data-post-id=\"2026123\" data-slide-num=\"6\" data-slide-title=\"Ranked: US States With The Highest Car Insurance Rates: How we arrived at these figures\" width=\"780\" height=\"438\" alt=\"Asmuo, atliekantis mokes\u010dius su skai\u010diuokle\"\/>&#13;<br \/>\n                    <\/source><\/source><\/picture>\n                    <span class=\"gallery-image-credit\">Shih-wei \/ Getty Images<\/span>\n                    <\/div>\n<div class=\"columns-holder \">\n<p dir=\"ltr\">Gali b\u016bti sunku gauti konkret\u0173 skai\u010di\u0173, kiek kainuoja automobilio draudimas pagal valstij\u0105; i\u0161 kiekvienos sutiktos ataskaitas teikian\u010dios agent\u016bros gausite skirtingas vertes. Skai\u010diai taip pat keisis nuo teik\u0117jo prie teik\u0117jo. Nor\u0117dami gauti kuo ai\u0161kesn\u012f vaizd\u0105, gavome duomenis i\u0161 trij\u0173 \u0161altini\u0173: \u201eForbes\u201c, \u201eInsurify\u201c ir \u201eInsurance Business Magazine\u201c.<\/p>\n<p dir=\"ltr\">\u0160io metodo pasirinkome ne tik nor\u0117dami gauti informacij\u0105 i\u0161 keli\u0173 patikim\u0173 \u0161altini\u0173, bet ir siekdami i\u0161spr\u0119sti duomen\u0173 vienodumo problemas. \u201eInsurance Business Magazine\u201c numeriai yra i\u0161 pra\u0117jusi\u0173 met\u0173, o i\u0161sami \u201eInsurify\u201c m\u0117nesin\u0117 duomen\u0173 baz\u0117 neapima vis\u0173 50 valstij\u0173. Nor\u0117dami padengti \u0161\u012f sprag\u0105, \u201eForbes\u201c skai\u010diai pateik\u0117 naujausius tarifus kiekvienai JAV valstijai. Naudodami \u0161i\u0173 \u0161altini\u0173 duomenis apskai\u010diavome vidurk\u012f, kad susidarytume subalansuot\u0105 automobilio draudimo scenos vaizd\u0105.<\/p>\n<p dir=\"ltr\">Kra\u0161tiniais atvejais, kai ne kiekvienas \u0161altinis tur\u0117jo b\u016bsenos skai\u010di\u0173, apskai\u010diavome turim\u0173 \u0161altini\u0173 vidurk\u012f ir ekstrapoliavome j\u0173 viet\u0105 galutiniame s\u0105ra\u0161e. Reik\u0117t\u0173 pa\u017eym\u0117ti, kad \u0161ie skai\u010diai kas m\u0117nes\u012f kinta, ypa\u010d atsi\u017evelgiant \u012f did\u0117jan\u010dius draudimo \u012fkainius. Taigi \u0161iame s\u0105ra\u0161e gauti vidurkiai pirmiausia tur\u0117t\u0173 b\u016bti naudojami kaip orientyras.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>&#13;<br \/>\n    &#13;<br \/>\n<\/article>\n<\/p><\/div>\n<p><a href=\"https:\/\/www.slashgear.com\/2026123\/us-states-highest-car-insurance-rates\/\"> Nuoroda \u012f informacijos \u0161altin\u012f <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#13; &#13; &#13; &#13; &#13; &#13; &#13;&#13;&#13; &#13; Sahrul1108 \/ Shutterstock Tur\u0117damas automobil\u012f supranti, kad investavote \u012f nuosekl\u0173 pinig\u0173 nutek\u0117jim\u0105. Nukeliauti i\u0161 ta\u0161ko A \u012f B b\u016btina, ypa\u010d jei gyvenate ne itin vaik\u0161\u010diojan\u010diame mieste, kuriame yra tinkamas susisiekimas vie\u0161uoju transportu, ta\u010diau tai neb\u016btinai i\u0161mu\u0161 j\u016bs\u0173 pinigin\u0119. Be to, kad tikrai \u012fsigysite automobil\u012f, tur\u0117site pri\u017ei\u016br\u0117ti ir [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2325,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[4],"tags":[4617,261,4618,541,4619,4616],"class_list":["post-2324","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technologijos","tag-auksciausiais","tag-automobiliu","tag-draudimo","tag-jav","tag-tarifais","tag-valstijos"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/paskutinenaujiena.lt\/index.php\/wp-json\/wp\/v2\/posts\/2324","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/paskutinenaujiena.lt\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/paskutinenaujiena.lt\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/paskutinenaujiena.lt\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/paskutinenaujiena.lt\/index.php\/wp-json\/wp\/v2\/comments?post=2324"}],"version-history":[{"count":0,"href":"https:\/\/paskutinenaujiena.lt\/index.php\/wp-json\/wp\/v2\/posts\/2324\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/paskutinenaujiena.lt\/index.php\/wp-json\/wp\/v2\/media\/2325"}],"wp:attachment":[{"href":"https:\/\/paskutinenaujiena.lt\/index.php\/wp-json\/wp\/v2\/media?parent=2324"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/paskutinenaujiena.lt\/index.php\/wp-json\/wp\/v2\/categories?post=2324"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/paskutinenaujiena.lt\/index.php\/wp-json\/wp\/v2\/tags?post=2324"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}