What does car insurance cost Americans today? The Zebra explores the latest data, what trends are impacting rates, and which drivers pay the most.
What does car insurance cost Americans today? The Zebra explores the latest data, what trends are impacting rates, and which drivers pay the most.
Car insurance rates across the U.S. are higher than ever before, with an average annual premium of $1,470. Rates are 23% higher than in 2011, and they’ve risen consistently every year since 2013. Over the years, 15 states’ rates have increased 40% or more, and some as much as 80%.
Premium Ranges
Premium Ranges
In the past year, car insurance rates have risen across 41 states (including Washington, DC), and gone down in just 10 states. Colorado saw the highest year-over-year rate increase of 19%, and Montana saw the greatest decrease of 21%.
Rate Changes
Rate Changes
The Zebra is the nation’s leading insurance search engine and an independent source for auto insurance quotes, industry research, and educational resources for consumers.
The Zebra’s 2019 State of Auto Insurance Report comprises analysis of more than 61 million unique auto insurance rates from The Zebra’s proprietary quote engine. The Zebra research team explored auto insurance pricing data from 2011 to 2018 across all United States zip codes for a base driver profile representative of an average insured: a 30-year-old single male driving a 2014 Honda Accord EX. For more details on methodology, download The Zebra’s 2019 State of Auto Insurance Report.
The Zebra is an independent insurance search engine with the goal of making auto insurance easier to understand. We encourage you to explore, share, and reference the findings of our report and ask that you attribute uses to “The Zebra” or “TheZebra.com” and link to this page.
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