"I would also hate to wait a year and then end up at my state university anyway because I would have spent a lot of money that could have been saved. "
Just how much money is it that you would save by transferring sooner? Have you run that by your parents and/or whoever else it is who is helping pay for your education?
Generally speaking, it makes best sense to finish up a full year because you will have more time to get to know the professors who will write your letters of recommendation, you will have completed courses that run for two semesters making it more likely that credits transfer and Gen Ed requirements for the target institution(s) are met. However, if your whole family is going into hock for your education and the financials are untenable, getting out sooner rather than later is what you might need to do.