In the past year, you might have noticed the cost for certain items, like groceries, gas and homes, increasing. But what about car insurance? The Zebra’s 2022 State of Auto Insurance report found that car insurance is more expensive than last year, with an average annual rate of $1,529 — a 3% increase from 2020. Since 2011, rates have skyrocketed 28% nationally.
However, even though the national average cost for car insurance rose by 3%, the impacts differ across the U.S. Car insurance rates increased in 38 states and fell in 13 states. Below, we’ve calculated which states experienced the biggest jumps and decreases in car insurance rates (ranked by % change) and why some of these changes happened.