2021

The State of Auto Insurance

The Zebra reveals the latest data, trends impacting rates and which drivers pay the most, based on an analysis of 83 million rates.

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$1,483

… 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.

Car insurance is slightly less expensive than last year, with average annual rates of $1,483. Since 2011, rates have skyrocketed 24% nationally, though impacts differ across the U.S. Six states have seen small rate decreases since 2011, while 44 states and Washington, D.C. experienced increases (up to 80%).

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
  • 2020 average national rates 2020 average national rates

Where are car insurance rates rising or falling?

In the past year, car insurance rates fell in 33 states and rose in 17 states and Washington, D.C. Maine saw the biggest year-over-year rate increase at 18%, while Michigan had the biggest decrease at 18%.

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 trends where you live.

$1,297

Fairfield ($1,461)

Ozark ($1,156)

$1,397

Chugiak ($1,565)

Ketchikan ($1,128)

$1,416

Phoenix ($1,745)

Lake Havasu City ($1,128)

$1,702

College Station ($2,026)

Harrison ($1,521)

$1,822

Beverly Hills ($2,930)

Mount Shasta ($1,346)

$1,698

Pueblo ($2,050)

Mack ($1,321)

$1,542

New Haven ($2,055)

Old Lyme ($1,333)

$1,615

Edgemoor ($2,040)

Selbyville ($1,377)

$2,324

West Palm Beach ($3,256)

Santa Rosa Beach ($1,809)

$1,539

Redan ($2,165)

Moody AFB ($1,186)

$1,080

Hilo ($1,144)

Waimea ($949)

$1,256

Kooskia ($1,429)

Meridian ($1,111)

$1,285

Dolton ($1,904)

Pontiac ($1,092)

$1,188

East Chicago ($1,640)

Decatur ($1,053)

$1,151

Bedford ($1,436)

Coralville ($969)

$1,599

Cimarron ($1,827)

Salina ($1,408)

$1,849

Goose Rock ($2,842)

Fort Thomas ($1,246)

$2,304

New Orleans ($3,564)

Hornbeck ($1,766)

$1,100

Ellsworth ($1,185)

Cumberland Center ($984)

$1,415

Randallstown ($2,154)

Cavetown ($1,162)

$1,303

Roxbury ($2,608)

Gill ($959)

$2,535

Detroit ($5,072)

Shoreham ($1,816)

$1,398

St. Paul ($1,763)

Truman ($1,198)

$1,501

Hermanville ($1,755)

Mississippi State ($1,299)

$1,687

Pine Lawn ($2,731)

Lohman ($1,430)

$1,549

Wyola ($1,717)

East Helena ($1,370)

$1,521

Palisade ($1,768)

Alda ($1,382)

$1,744

Spring Valley ($2,505)

Fallon ($1,289)

$961

Newton ($1,132)

Lebanon ($876)

$1,502

Newark ($2,262)

Manasquan ($1,285)

$1,274

Isleta ($1,502)

Alamogordo ($1,095)

$1,693

Brooklyn ($3,970)

Penfield ($1,107)

$1,011

Newell ($1,334)

Candler ($869)

$1,322

Fort Yates ($1,522)

West Fargo ($1,058)

$926

Blacklick Estates ($1,101)

St. Marys ($765)

$1,546

Nichols Hills ($1,793)

Indiahoma ($1,412)

$1,322

Gresham ($1,782)

Sutherlin ($1,167)

$1,338

Orson ($2,594)

White Deer ($1,070)

$1,873

Providence ($2,502)

Newport ($1,434)

$1,466

Crocketville/Miley ($1,853)

Central ($1,189)

$1,440

Pine Ridge ($1,931)

Watertown ($1,201)

$1,258

Memphis ($1,602)

Bristol ($1,028)

$1,498

Aldine ($1,852)

Langtry ($1,281)

$1,313

Vineyard ($1,637)

Virgin ($1,186)

$1,056

Randolph ($1,088)

New Haven ($1,009)

$1,026

Bailey's Crossroads ($1,215)

Blacksburg ($862)

$1,427

$1,209

Boulevard Park ($1,568)

Port Townsend ($1,009)

$1,429

Gilbert ($1,831)

Martinsburg ($1,202)

$1,080

Brown Deer ($1,498)

Ashwaubenon ($887)

$1,460

Moose Wilson Road ($1,530)

Sheridan ($1,416)

What does it cost to insure America's favorite vehicles?

  • #1
    Ford F-Series
    $1,547/yr (5.4% of MSRP)
    Ford F-Series rates
  • #2
    Chevrolet Silverado
    $1,842/yr (6.5% of MSRP)
    Chevy Silverado rates
  • #3
    Ram Pickup
    $1,851/yr (5.8% of MSRP)
    Ram Pickup rates
  • #4
    Toyota RAV4
    $1,592/yr (6.1% of MSRP)
    Toyota Rav4 rates
  • #5
    Honda CR-V
    $1,484/yr (5.9% of MSRP)
    Honda CR-V rates
  • #6
    Toyota Camry
    $1,734/yr (7.1% of MSRP)
    Toyota Camry rates
  • #7
    Honda Civic
    $1,721/yr (8.6% of MSRP)
    Honda Civic rates
  • #8
    Chevrolet Equinox
    $1,584/yr (6.7% of MSRP)
    Chevrolet Equinox rates
  • #9
    GMC Sierra
    $1,658/yr (5.6% of MSRP)
    Toyota Corolla rates
  • #10
    Nissan Rogue
    $1,599/yr (6.3% of MSRP)
    Nissan Rogue rates
*Using 2020 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
$1,410 (5.7% of MSRP)
Fiat 500x

Most expensive

Most expensive

Maserati Quattroporte
$5,024 (5% 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
  • 2020
  • 2021

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?

*Some states do not allow certain non-driving information, such as gender, credit or level of education in insurance ratemaking. See full report for more.

Pro tips:
How can you save on car insurance?

SOI_2021_9_Tips_Icons

Save 18%

Increase your credit score by one tier

SOI_2021_9_Tips_Icons$$$

Save 14%

Buy a used car (5-year-old model)

SOI_2021_9_Tips_Icons

Save 11%

Raise your deductible from $500 to $1,000

SOI_2021_9_Tips_Icons

Save 10%

Purchase your policy in advance; pay in full and online

SOI_2021_9_Tips_Icons

Save 8%

Bundle your auto policy with home, condo or renters insurance

SOI_2021_9_Tips_Icons

Save 6%

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 10 years
  • Insurance form icon 419 insurance
    companies
  • Asset 18 34,500 U.S. ZIP
    codes
  • Car insured icon 83 million car insurance
    rates

The Zebra's 2021 State of Auto Insurance Report analyzes more than 83 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 more than 400 insurance companies, over the past 10 years and across all 34,500 U.S. ZIP codes to identify trends and critical factors impacting rates in 2021.

Inside the data

  • Zebra shield icon 10 years
  • Insurance form icon 419 insurance
    companies
  • US Map 34,500 U.S. ZIP
    codes
  • Car insured icon 83 million car insurance
    rates

Methodology

The Zebra’s 2021 State of Auto Insurance Report reflects an analysis of more than 83 million unique auto insurance rates. The Zebra research team explored auto insurance pricing data from 2011 to 2020 across 34,500 U.S. ZIP codes using a base driver profile representative for the average insured: a 30-year-old single male driver with a 2016 Honda Accord EX. For more details on methodology, download the full 2021 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 logo and brand assets here.

SOI_2021_Methodology_Data_Icon
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Interested in learning more?

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

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