Where are rates rising and falling?
That scarily high number above represents the average cost for car insurance across the entire United States. However, you likely don’t care about the average driver in the U.S. What you want to know is what the rates are doing where you live. (After all, how else will you know if you're overpaying or have a good deal?)
Insurance rates vary widely based on a number of rating factors and where you live is one of them. Insurance companies try to predict how many claims will be submitted in the area, down to the specific ZIP code, to price their products accordingly.
As the map below indicates, rates went up in all but three states in the past year. Rates went down slightly in California and Louisiana and stayed roughly the same in Mississippi.