A recent study has found the national average for car insurance is $1,318 per year.

Insure.com has published its car insurance rates by state study for 2017, revealing the cheapest and most expensive states to insure a car annually. While car insurance rates are based on a variety of risk factors, location is normally a big rating factor for auto insurance companies.

SEE ALSO: Top 10 Cheapest States for Car Insurance in 2017

This year’s study calculated auto insurance rates from six large carriers:

Allstate, Farmers, GEICO, Nationwide, Progressive, and State Farm. Rates were compiled in May and include 10 zip codes per state.

Rates are based on full coverage for a single, 40-year-old male who commutes 12 miles to work each day, with policy limits of $100,000 for injury liability for one person, $300,000 for all injuries, $50,000 for property damage in an accident, and a $500 deductible on collision and comprehensive coverage.

The hypothetical driver has a clean record and good credit, and the rate includes uninsured motorist coverage.

Here are the most expensive states for car insurance:

10. Texas

This year, Texas residents can expect to pay an average of $1,506 per year for auto insurance.

9. Delaware

Delaware ranks ninth with an average annual insurance premium of $1,526.

8. Wyoming

Costing slightly more than Delaware is Wyoming, with an average annual rate of $1,538.