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.
Download report Are you a reporter on a deadline? DownIn 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%.
$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)
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.