2018

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Car insurance is there to safeguard you in the event of an accident, theft, or other unexpected disaster. But this protection comes at a cost, and it’s different for everyone.

In fact, depending on who and where you are and what and how you drive, you could pay as little as $560 or more than $36,900 annually for car insurance. That’s nearly a 6500% difference. Why?

The auto insurance industry uses rating factors – things like your age, where you live, and of course what car you drive – to determine your risk and your rate.

The Zebra, the nation’s leading insurance search engine and an independent source for pricing, coverage, and all things insurance, explores these rating factors and trends in the 2018 State of Auto Insurance Report.

We analyzed more than 50 million car insurance rates* across all U.S. zip codes to examine how each rating factor affects car insurance pricing, what causes car insurance rates to skyrocket or plummet (and where that’s happening nationwide), and how consumers can make sense of this information to find the right coverage for their unique needs. See key report findings below.

$ 1,427

what the average American is paying this year for car insurance coverage

  • Current rates are 20% higher than in 2011
  • Over these years, some states’ rates increased more than 60% and others as little as 1%, but no states’ rates had a net decrease
  • Changes from year to year were as high as 9% nationally, or up to 45% in some states
  • Rates have increased 6% within just 6 months

The average annual auto insurance premium for the U.S. is $1,427, but rates vary widely across the country due to factors including:

  • State and local laws
  • Urbanization and population changes
  • Uninsured drivers
  • Fraud and crime rates
  • Weather

Considering recent hurricanes, wildfires, and other devastating natural disasters, could rates continue to rise throughout 2018?

Select your state for more info.

Annual premium: $1,358

Most expensive city: Opp

Least expensive city: Birmingham

Did you know?
Alabama had the 8th highest rate increase nationally over the past 2 years.

Annual premium: $1,152

Most expensive city: Anchorage

Least expensive city: Kake

Did you know?
Rates in Alaska are 11% down from 2011, but the state saw the 3rd biggest rate increase of any state over the past 2 years.

Annual premium: $1,247

Most expensive city: Phoenix

Least expensive city: Lake Havasu City

Did you know?
Rates in Arizona have been somewhat volatile and inconsistent with national year-to-year trends, including a substantial rate increase in recent years.

Annual premium: $1,458

Most expensive city: Edmondson

Least expensive city: Lavaca

Did you know?
In Arkansas, rate changes from year to year have been fairly consistent with national averages.

Annual premium: $1,713

Most expensive city: Los Angeles

Least expensive city: Los Olivos

Did you know?
California has had some of the highest rate increases nationwide – both over last year and since 2011. The state doesn't factor certain things like credit and education in rates.

Annual premium: $1,435

Most expensive city: Aurora

Least expensive city: Fort Collins

Did you know?
Car insurance rates in Colorado have been skyrocketing in recent years, with the 3rd biggest rate hike since 2011 nationwide – a whopping 52% increase.

Annual premium: $1,544

Most expensive city: New Haven

Least expensive city: Old Lyme

Did you know?
In contrast to national trends, Connecticut car insurance rates have actually decreased 13% since 2011.

Annual premium: $1,700

Most expensive city: Wilmington

Least expensive city: Millville

Did you know?
Delaware rates are the 10th highest in the nation, though year-to-year changes have been volatile since 2011, including recent substantial decreases.

Annual premium: $1,878

Most expensive city: Miami

Least expensive city: Gainesville

Did you know?
Florida rates are the 5th highest in the nation, and year-to-year changes have included both big increases and decreases, likely in response to weather events.

Annual premium: $1,388

Most expensive city: Redan

Least expensive city: Hahira

Did you know?
Georgia rate changes are among the most volatile from year to year of any state, with large increases one year followed by major decreases the next.

Annual premium: $1,079

Most expensive city: Hilo

Least expensive city: Kapaa

Did you know?
Hawaii rates are the 9th lowest in the nation, and the state has actually seen a net rate decrease since 2011.

Annual premium: $1,018

Most expensive city: Kooskia

Least expensive city: Boise City

Did you know?
Idaho rates are the 5th lowest in the nation, though the state has had higher-than-normal rate increases in recent years.

Annual premium: $1,120

Most expensive city: Chicago

Least expensive city: Normal

Did you know?
Illinois rates actually had a net rate decrease over the past year, but rates changes in the state have been volatile and extreme from year to year since 2011.

Annual premium: $1,133

Most expensive city: Gary

Least expensive city: Lafayette

Did you know?
Indiana rates actually had a net rate decrease over the past year, but rates changes in the state have been volatile and extreme from year to year since 2011.

Annual premium: $1,015

Most expensive city: Council Bluffs

Least expensive city: Ames

Did you know?
Iowa is the 4th least expensive state for car insurance, and rates actually decreased over the past 2 years.

Annual premium: $1,427

Most expensive city: Kansas City

Least expensive city: Salina

Did you know?
Though Kansas rates have been somewhat volatile over the past several years, the state premium is the closest to the national average of all states.

Annual premium: $2,050

Most expensive city: Hoskinston

Least expensive city: Owensboro

Did you know?
Kentucky is the 3rd most expensive state for car insurance.

Annual premium: $2,225

Most expensive city: New Orleans

Least expensive city: Anacoco

Did you know?
Louisiana is the 2nd most expensive state for car insurance nationwide, and the state experienced the 5th biggest rate hike since 2011 nationwide – a 45% increase.

Annual premium: $927

Most expensive city: Isle of Springs

Least expensive city: Bridgewater

Did you know?
Maine is the 3rd least expensive state for car insurance.

Annual premium: $1,240

Most expensive city: Baltimore

Least expensive city: Denton

Did you know?
Maryland car insurance rates actually have had a slight net decrease since 2011.

Annual premium: $1,201

Most expensive city: Roxbury

Least expensive city: Gill

Did you know?
Massachusetts car insurance rates actually had a slight net decrease since 2011. The state doesn't factor certain things like credit and education in rates.

Annual premium: $2,610

Most expensive city: Detroit

Least expensive city: Midland

Did you know?
Michigan is the most expensive state for car insurance and has had some of the most volatile year-to-year rate changes, with consecutive increases and decreases of more than of 20%.

Annual premium: $1,258

Most expensive city: Minneapolis

Least expensive city: Truman

Did you know?
Minnesota had among the lowest year-to-year rate changes of any state since 2011 – at most 2.6% from one year to the next.

Annual premium: $1,800

Most expensive city: Hermanville

Least expensive city: Mississippi State

Did you know?
Mississippi is the 8th most expensive state for car insurance, and had the 2nd biggest rate increase over 2011 nationwide – a whopping 60%.

Annual premium: $1,334

Most expensive city: St. Louis

Least expensive city: Lohman

Did you know?
Missouri car insurance rates had the 9th biggest increase nationally over the past 2 years.

Annual premium: $1,615

Most expensive city: Wyola

Least expensive city: East Helena

Did you know?
Montana had the biggest car insurance rate increase over 2011 nationwide – a whopping 64%.

Annual premium: $1,184

Most expensive city: Omaha

Least expensive city: Columbus

Did you know?
Nebraska had one of the highest rate increases nationwide between 2011 and 2012, but rate changes year-to-year have more closely followed national trends since then.

Annual premium: $1,802

Most expensive city: North Las Vegas

Least expensive city: Winnemucca

Did you know?
Nevada is the 7th most expensive state for car insurance.

Annual premium: $1,083

Most expensive city: Newton

Least expensive city: Contoocook

Did you know?
New Hampshire (the only state where car insurance is not legally required) is the 10th least expensive state for car insurance.

Annual premium: $1,679

Most expensive city: Newark

Least expensive city: Manasquan

Did you know?
New Jersey was formerly among the top 10 most expensive states for car insurance, but rates changes have been relatively stable in recent years.

Annual premium: $1,331

Most expensive city: Fort Defiance

Least expensive city: Alamogordo

Did you know?
In contrast to national trends, New Mexico rates have actually seen a net decrease of 5% since 2011.

Annual premium: $1,582

Most expensive city: New York

Least expensive city: Corning

Did you know?
Even though New York City is one of the costliest cities for car insurance nationwide, New York State rates have actually seen a net decrease of 10% since 2011.

Annual premium: $865

Most expensive city: Charlotte

Least expensive city: Chapel Hill

Did you know?
North Carolina is the least expensive state for car insurance, and rates actually decreased over the past 2 years.

Annual premium: $1,230

Most expensive city: Marshall

Least expensive city: West Fargo

Did you know?
In contrast to national trends, North Dakota rates have actually seen a net decrease since 2011.

Annual premium: $1,037

Most expensive city: Youngstown

Least expensive city: St. Marys

Did you know?
Although Ohio is the 7th least expensive state for car insurance, it used to be THE least expensive. Ohio had one of the biggest rate increases nationwide over the past 2 years.

Annual premium: $1,542

Most expensive city: Tulsa

Least expensive city: Indiahoma

Did you know?
Oklahoma car insurance rates are actually more than 20% lower than they were in 2011 – a stark contrast to the national 20% rate increase over the same time.

Annual premium: $1,377

Most expensive city: Portland

Least expensive city: Corvallis

Did you know?
Oregon car insurance rates had the 9th biggest increase nationwide since 2011 – a 41% hike (or double the national increase).

Annual premium: $1,433

Most expensive city: Philadelphia

Least expensive city: Houserville

Did you know?
Pennsylvania had the 4th biggest rate increase nationally over the past 2 years, and the 10th biggest rate increase over 2011.

Annual premium: $2,004

Most expensive city: Providence

Least expensive city: Melville

Did you know?
Rhode Island is the 4th most expensive state for car insurance, and rates are continuing to rise. The state had the 4th biggest rate hike from 2011 to now – a 47% increase.

Annual premium: $1,361

Most expensive city: Allendale

Least expensive city: Richland

Did you know?
South Carolina rates have had volatile year-to-year changes since 2011, including both large rate increases and decreases.

Annual premium: $1,268

Most expensive city: Lemmon

Least expensive city: Watertown

Did you know?
South Dakota car insurance rate changes have been fairly consistent with national trends from year to year.

Annual premium: $1,315

Most expensive city: Memphis

Least expensive city: Johnson City

Did you know?
Tennessee had the 10th biggest increase in car insurance rates nationally over the past 2 years.

Annual premium: $1,810

Most expensive city: Dallas

Least expensive city: Grape Creek

Did you know?
Texas is the 6th most expensive state for car insurance, and rates are continuing to rise. The state had the 6th biggest rate hike from 2011 to now – a 44% increase.

Annual premium: $1,112

Most expensive city: Salt Lake City

Least expensive city: Logan

Did you know?
In contrast to national trends, Utah rates have actually seen a net decrease over the past 2 years.

Annual premium: $1,027

Most expensive city: Lower Waterford

Least expensive city: White River Junction

Did you know?
Although Vermont is the 6th least expensive state for car insurance, rates are rising. The state had the highest rate increase over the past 2 years.

Annual premium: $901

Most expensive city: Richmond

Least expensive city: Harrisonburg

Did you know?
Although Virginia is the 2nd least expensive state for car insurance, rates are rising. The state had the 6th highest rate increase over the past 2 years.

Annual premium: $1,464

Most expensive city: Washington (same)

Least expensive city: Washington (same)

Did you know?
The District of Columbia has higher car insurance rates than its surrounding states, likely due to the city's concentrated urban environment.

Annual premium: $1,160

Most expensive city: Midland

Least expensive city: Port Townsend

Did you know?
Washington has had among the most stable year-to-year rate changes nationwide since 2011.

Annual premium: $1,378

Most expensive city: Gilbert

Least expensive city: Martinsburg

Did you know?
In contrast to national trends, West Virginia rates have actually seen a net decrease since 2011.

Annual premium: $1,040

Most expensive city: Milwaukee

Least expensive city: Kaukauna

Did you know?
Wisconsin is the 8th least expensive state for car insurance.

Annual premium: $1,338

Most expensive city: Weston

Least expensive city: Sinclair

Did you know?
Wyoming rates have had the 8th biggest increase nationwide from 2011 to now – 41% (or double the national increase).

What’s the least expensive least expensive most expensive car to insure?

Among the most popular vehicles* in the U.S., these are the least expensive to insure:

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Ford Mustang

$1,873

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Dodge Charger

$1,919

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BMW X5

$1,920

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Dodge Challenger

$1,937

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Lexus ES

$1,943

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BMW 3-Series

$1,957

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Mercedes-Benz C-Class

$2,090

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Nissan Maxima

$2,176

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Mercedes-Benz GLE-Class M-Class

$2,737

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Mercedes-Benz E-Class CLS-Class

$3,541

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Honda CR-V

$1,317

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Honda Odyssey

$1,333

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Jeep Wrangler

$1,337

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Jeep Renegade

$1,342

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Jeep Patriot

$1,353

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Jeep Compass

$1,354

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Jeep Cherokee

$1,366

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Chevrolet Traverse

$1,366

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Nissan Frontier

$1,375

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Ford Escape

$1,379

*Of top 100 vehicles in the U.S. by 2016 year-end sales.

Your driving record can have a huge impact on your auto insurance rates, and some violations and claims are much more costly than others.

rate increase

4%
Not wearing seat belt
21%
Speeding 6-20MPH over limit
40%
At-fault accident
77%
DUI
85%
Hit and run

Today, getting caught texting or using your phone while driving will raise your insurance premium 16% (that’s $226) – and in some states more than 40%. See rate increases for all violations by state in full report.

$ increase on insurance rates after distracted driving violation

#

Did you know your
affects your car insurance?

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In most states, credit has a significant impact on your rates. Improving your credit from a score in the Poor range to an Excellent score could lower your premium 44%.

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Age has a significant impact on rates, with people in their 50s and 60s paying the lowest premiums and teens paying the highest premiums. In fact, adding a teen driver to their policy raises a parent’s rates 95%.

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Getting married can save you more than 10% on car insurance in some states, though nationally, people who are married pay 6% less than those who are single.

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Nationally, renters pay just 2% more for car insurance than homeowners. However, when renters bundle their auto and renters policies, they save 5% on their auto insurance policies, and when homeowners bundle, they save 9%.

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On average, drivers save 2% by earning a bachelor’s degree as compared to not having completed high school, and 3% by earning a PhD.

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Though men and women technically pay different rates in most states, the difference is less than 1% nationally, and at most 6% by state. However, whereas men paid slightly higher rates than women in 2016, women pay slightly more now.

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Some jobs (in some states) will affect your car insurance rates. For example, engineers and lawyers pay an average of 3% less than folks who are unemployed.

*Certain states do not factor non-driving information such as credit score, level of education, and whether drivers rent or own their homes into insurance rates. See full report for more.

Save 10%

Purchase your policy in advance, pay in full and online

Save 11%

Raise your deductible from $500 to $1,000

Save 8%

Bundle your auto policy with home, condo, or renters insurance

Save 6%

Maintain continuous coverage for at least 6 months

Save 17%

Increase your credit score by one tier (like Good to Excellent)

Save 12%

Buy an older car (even just 5 years)

View detailed auto insurance rate and trend data by state and full methodology