2020

The State of Auto Insurance

Car insurance rates across the U.S. are higher than ever. The Zebra reveals the latest data, trends impacting rates, and which drivers pay the most, based on an analysis of 73 million rates.

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$1,548
$1,548

… is how much the average U.S. driver is paying for car insurance this year. Rates vary based on where you live, what car you drive, how you drive, and who you are.

Car insurance rates are rising in the U.S.

Since 2011, rates have skyrocketed 29.6% nationally, though the impacts differ across the U.S. Seven states have seen small rate decreases since 2011, while 44 states and Washington D.C. experienced increases (up to 86%).

Rate Ranges

  • $600 - $1,000
  • $1,001 - $1,500
  • $1,501 - $2,000
  • $2,001 +
  • 2011 average national rates 2011 average national rates
  • 2012 average national rates 2012 average national rates
  • 2013 average national rates 2013 average national rates
  • 2014 average national rates 2014 average national rates
  • 2015 average national rates 2015 average national rates
  • 2016 average national rates 2016 average national rates
  • 2017 average national rates 2017 average national rates
  • 2018 average national rates 2018 average national rates
  • 2019 average national rates 2019 average national rates

Where are car insurance rates rising or falling?

In the past year, car insurance got more expensive in 33 states and less expensive in 18 states (including Washington D.C.). South Dakota saw the biggest year-over-year rate increase at 22%, while Texas saw the biggest decrease at -20%.

Rate Changes

  • _icon-arrow-up Increased year over year
  • Down arrow icon Decreased year over year
Map of insurance rate changes by state Map of insurance rate changes by state

Rate Changes

  • _icon-arrow-up Increased year over year
  • Down arrow icon Decreased year over year

What does car insurance
cost in your state?
Click to see rates where you live.

$1,450

Fairfield ($1,688)

Opp ($1,265)

Alabama Rates Since 2011

Alabama Rates Since 2011

$1,275

Chugiak ($1,509)

Ward Cove ($1,020)

Alaska Rates Since 2011

Alaska Rates Since 2011

$1,470

Cashion ($1,831)

Topock ($1,147)

Arizona Rates Since 2011

Arizona Rates Since 2011

$1,698

College Station ($2,023)

Sulphur Springs ($1,530)

Arkansas Rates Since 2011

Arkansas Rates Since 2011

$1,868

Tarzana ($2,938)

Mount Shasta ($1,383)

California Rates Since 2011

California Rates Since 2011

$1,757

Pueblo ($2,183)

Fruita ($1,377)

Colorado Rates Since 2011

Colorado Rates Since 2011

$1,696

New Haven ($2,250)

Old Lyme ($1,467)

Connecticut Rates Since 2011

Connecticut Rates Since 2011

$1,803

Delaware City ($2,255)

Selbyville ($1,529)

Delaware Rates Since 2011

Delaware Rates Since 2011

$2,309

Brownsville ($3,327)

Santa Rosa Beach ($1,793)

Florida Rates Since 2011

Florida Rates Since 2011

$1,609

Redan ($2,218)

Dasher ($1,275)

Georgia Rates Since 2011

Georgia Rates Since 2011

$1,045

Hilo ($1,121)

Waimea ($898)

Hawaii Rates Since 2011

Hawaii Rates Since 2011

$1,164

Kooskia ($1,297)

Meridian ($1,040)

Idaho Rates Since 2011

Idaho Rates Since 2011

$1,303

Dolton ($1,957)

Pontiac ($1,111)

Illinois Rates Since 2011

Illinois Rates Since 2011

$1,165

East Chicago ($1,609)

Decatur ($1,027)

Indiana Rates Since 2011

Indiana Rates Since 2011

$1,106

Council Bluffs ($1,402)

Grimes ($924)

Iowa Rates Since 2011

Iowa Rates Since 2011

$1,622

Ingalls ($1,922)

Salina ($1,435)

Kansas Rates Since 2011

Kansas Rates Since 2011

$2,208

Lookout ($3,284)

Fort Thomas ($1,581)

Kentucky Rates Since 2011

Kentucky Rates Since 2011

$2,379

New Orleans ($3,735)

Cullen ($1,803)

Louisiana Rates Since 2011

Louisana Rates Since 2011

$935

Isle of Springs ($1,033)

Bridgewater ($862)

Maine Rates Since 2011

Maine Rates Since 2011

$1,415

Randallstown ($2,132)

Cavetown ($1,143)

Maryland Rates Since 2011

Maryland Rates Since 2011

$1,463

Roxbury ($2,785)

Gill ($1,085)

Massachusetts Rates Since 2011

Massachusetts Rates Since 2011

$3,096

Detroit ($6,280)

Shoreham ($2,302)

Michigan Rates Since 2011

Michigan Rates Since 2011

$1,319

St. Paul ($1,663)

New Ulm ($1,141)

Minnesota Rates Since 2011

Minnesota Rates Since 2011

$1,587

Hermanville ($1,841)

Crawford ($1,395)

Mississippi Rates Since 2011

Mississippi Rates Since 2011

$1,736

Pine Lawn ($2,808)

Lohman ($1,498)

Missouri Rates Since 2011

Missouri Rates Since 2011

$1,534

Wyola ($1,710)

East Helena ($1,344)

Montana Rates Since 2011

Montana Rates Since 2011

$1,370

Melbeta ($1,680)

Columbus ($1,209)

Nebraska Rates Since 2011

Nebraska Rates Since 2011

$1,974

Spring Valley ($2,853)

Winnemucca ($1,411)

Nevada Rates Since 2011

Nevada Rates Since 2011

$1,037

Newton ($1,234)

Contoocook ($950)

New Hampshire Rates Since 2011

New Hampshire Rates Since 2011

$1,592

Newark ($2,409)

Manasquan ($1,360)

New Jersey Rates Since 2011

New Jersey Rates Since 2011

$1,334

Albuquerque ($1,556)

Alamogordo ($1,136)

New Mexico Rates Since 2011

New Mexico Rates Since 2011

$1,704

Brooklyn ($3,745)

Corning ($1,103)

New York Rates Since 2011

New York Rates Since 2011

$955

Newell ($1,256)

Candler ($804)

North Carolina Rates Since 2011

North Carolina Rates Since 2011

$1,379

Fort Yates ($1,586)

West Fargo ($1,188)

North Dakota Rates Since 2011

North Dakota Rates Since 2011

$1,047

Youngstown ($1,250)

St. Marys ($869)

Ohio Rates Since 2011

Ohio Rates Since 2011

$1,787

Nichols Hills ($2,021)

Indiahoma ($1,631)

Oklahoma Rates Since 2011

Oklahoma Rates Since 2011

$1,463

Gresham ($1,944)

La Grande ($1,283)

Oregon Rates Since 2011

Oregon Rates Since 2011

$1,475

Philadelphia ($2,647)

Houserville ($1,175)

Pennsylvania Rates Since 2011

Pennsylvania Rates Since 2011

$2,103

Providence ($2,820)

Newport ($1,597)

Rhode Island Rates Since 2011

Rhode Island Rates Since 2011

$1,414

Crocketville ($1,779)

Central ($1,142)

South Carolina Rates Since 2011

South Carolina Rates Since 2011

$1,708

Oglala ($2,186)

Watertown ($1,407)

South Dakota Rates Since 2011

South Dakota Rates Since 2011

$1,570

Memphis ($1,949)

Colonial Heights ($1,303)

Tennessee Rates Since 2011

Tennessee Rates Since 2011

$1,415

Aldine ($1,804)

Christoval ($1,195)

Texas Rates Since 2011

Texas Rates Since 2011

$1,306

South Salt Lake ($1,578)

Cedar City ($1,175)

Utah Rates Since 2011

Utah Rates Since 2011

$1,156

South Ryegate ($1,192)

New Haven ($1,107)

Vermont Rates Since 2011

Vermont Rates Since 2011

$1,005

Bailey's Crossroads ($1,210)

Bridgewater ($835)

Virginia Rates Since 2011

Virginia Rates Since 2011

$1,383

District of Columbia Rates Since 2011

District of Columbia Rates Since 2011

$1,368

Midland ($1,770)

Port Townsend ($1,145)

Washington Rates Since 2011

Washington  Rates Since 2011

$1,536

Gilbert ($1,981)

Springfield ($1,297)

West Virginia Rates Since 2011

West Virginia Rates Since 2011

$1,181

Brill ($1,765)

Neenah ($952)

Wisconsin Rates Since 2011

Wisconsin Rates Since 2011

$1,439

Weston ($1,508)

Hanna ($1,382)

Wyoming Rates Since 2011

Wyoming Rates Since 2011

What does it cost to insure the 10 best-selling vehicles in America?

  • #1
    Ford F-Series
    $1,617/yr (5.7% of MSRP)
    Ford F-Series rates
  • #2
    Chevrolet Silverado
    $1,741/yr (6.1% of MSRP)
    Chevy Silverado rates
  • #3
    Ram Pickup
    $1,879/yr (5.9% of MSRP)
    Ram Pickup rates
  • #4
    Toyota Rav4
    $1,633/yr (6.4% of MSRP)
    Toyota Rav4 rates
  • #5
    Nissan Rogue
    $1,638/yr (6.5% of MSRP)
    Nissan Rogue rates
  • #6
    Honda CR-V
    $1,529/yr (6.3% of MSRP)
    Honda CR-V rates
  • #7
    Toyota Camry
    $1,800/yr (7.5% of MSRP)
    Toyota Camry rates
  • #8
    Chevrolet Equinox
    $1,625/yr (6.8% of MSRP)
    Chevrolet Equinox rates
  • #9
    Honda Civic
    $1,814/yr (9.2% of MSRP)
    Honda Civic rates
  • #10
    Toyota Corolla
    $1,788/yr (9.6% of MSRP)
    Toyota Corolla rates
*Using 2019 models for the most popular vehicles in the U.S. by annual sales. See full report for more vehicle rates.

Least expensive

Least expensive

Fiat 500X
$1,467 (5.9% of MSRP)
Fiat 500x

Most expensive

Most expensive

Maserati Quattroporte
$4,742 (4.4% of MSRP)
Maserati Quattroporte

How much will a ticket or accident
increase your insurance rate?

DUI
At-fault
collision
Speeding
Running a
red light
Texting while
driving
Not wearing
a seatbelt
  • 2019
  • 2020

Did you know?

Most driving violations affect rates for three years, but some last even longer. Drivers pay these insurance penalties in addition to fines and court costs.

Did you know your rideshare driving
affects your car insurance?

*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.

Pro Tips:
How can you save on car insurance?

SOI_2020_9_Tips_Icons

Save 17%

Increase your credit score by one tier

SOI_2020_9_Tips_Icons$$$

Save 18%

Buy a used car (a 5-year-old model saves about 3.4% each year)

SOI_2020_9_Tips_Icons

Save 13%

Raise your deductible from $500 to $1000

SOI_2020_9_Tips_Icons

Save 12%

Purchase your policy in advance; pay in full and online

SOI_2020_9_Tips_Icons

Save 8%

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

SOI_2020_9_Tips_Icons

Save 8%

Maintain continuous coverage for at least 6 months

About the report

The Zebra is the nation's leading insurance comparison site and an independent source for insurance quotes, industry research, and educational resources for consumers.
  • Zebra shield icon 9 Years
  • Insurance form icon 418 Insurance
    companies
  • Asset 18 34,000 U.S. ZIP
    codes
  • Car insured icon 73 million Car insurance
    rates

The Zebra’s 2020 State of Auto Insurance Report analyzes more than 73 million car insurance rates to examine the latest trends, how dozens of risk factors affect car insurance pricing, and where drivers are impacted the most.

Car insurance is a safeguard that protects you in the event of an accident, theft, or unexpected disaster. But this protection comes at a cost, and it’s different for everyone. Insurance companies determine your individual rate based on a variety of factors, including what kind of car you drive, how you drive, and who you are (your age, marital status, even your credit score).

Rates also vary from one insurance company to another, from year to year, and from one town to the next. This research explores rates from 418 insurance companies, over the past nine years, and across 34,000 U.S. ZIP codes to identify trends and critical factors impacting rates in 2020.

Inside the data

  • Zebra shield icon 9 Years
  • Insurance form icon 418 Insurance
    companies
  • US Map 34,000 U.S. ZIP
    codes
  • Car insured icon 73 million Car insurance
    rates

Methodology

The Zebra’s 2020 State of Auto Insurance Report reflects an analysis of more than 73 million unique auto insurance rates from The Zebra’s proprietary quote engine. The Zebra research team explored auto insurance pricing data from 2011 to 2019 across all United States ZIP codes using a base driver profile representative for the average insured: a 30-year-old single male driver with a 2015 Honda Accord EX. For more details on methodology, download The Zebra’s 2020 State of Auto Insurance Report.

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Using the Data

The Zebra is the nation’s leading, independent insurance comparison site with the goal of making auto insurance easier to understand. We encourage you to explore, share, and reference the findings of our report, with attribution to “The Zebra” or “TheZebra.com” and link to this page. Download The Zebra logo and brand assets.

SOI_2020_Methodology_Data_Icon
Asset 19

Interested in learning more?

Asset 19 For specific data requests or more information, contact the report authors.

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