2019

The State of Auto Insurance

What does car insurance cost Americans today? The Zebra explores the latest data, what trends are impacting rates, and which drivers pay the most.

Down

…is how much the average American is paying this year for car insurance coverage. This varies based on where you live, what car you drive, how you drive, and who you are.


What do Americans
pay for car insurance
in 2019?


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

  • $900–$1,300
  • $1,301–$1,700
  • $1,701–$2,100
  • $2,101–$2,500
  • $2,500 +
Map of insurance rates across the U.S per state Map of insurance rates across the U.S per state

Premium Ranges

  • $900–$1,300
  • $1,301–$1,700
  • $1,701–$2,100
  • $2,101–$2,500
  • $2,500 +

Where are car
insurance rates
rising or falling?


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

  • Increased year-over-year
  • Decreased year-over-year
Map of insurance rate changes year-over-year

Rate Changes

  • Increased year-over-year
  • Decreased year-over-year

What does it cost to insure America’s favorite cars?


*Using 2018 models for 10 most popular vehicles in the U.S. by annual sales. Most/least expensive to insure calculated by premium as percent of MSRP. See full report for all vehicle rates.

Most expensive brand:


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Mitsubishi

avg. 8% of MSRP

Least expensive brand:


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Volvo

avg. 4% of MSRP

How much does a ticket raise your insurance rates?

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DUI

$1,086
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At-fault collision

$617
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Speeding

$341
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Texting while driving

$290
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Not wearing seatbelt

$59
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Did you know?

Most driving violations will continue to affect your rates for three years after the occurrence.


*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.

About the Report


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.


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Methodology


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.

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Using the Data


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.

2019

The State of
Auto Insurance

insights based on 61,000,000 rates
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Interested in learning more?

For specific data requests, more information on our auto insurance research, or to contact the report authors, click here.

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