A consumer protection agency rated automobile insurance companies and listed annual premiums for top-rated companies in several states. The box plots below represent the annual premiums for urban customers in three states.

![Box plots representing annual premiums for urban customers in three states]

Which of the following statements best describes the data presented in the box plots?

a) State X has the highest median annual premium among the three states.
b) State Y displays the least variability in annual premiums compared to State Z.
c) State Z has the highest range of annual premiums among the three states.
d) State X and State Z have similar median annual premiums.