What do U.S. drivers pay for car insurance in 2022?
Car insurance is more expensive than last year, with average annual rates of $1,529. Since 2011, rates have skyrocketed 28% nationally. This year alone, rates increased 3% from 2020 to 2021, though impacts differ across the U.S.
In the past year, car insurance rates increased in 38 states (including the District of Columbia) and fell in 13 states. Louisiana saw the largest increase of 42%, which now puts the state at the top spot for most expensive insurance. Maryland had the largest decrease at around 9%.
Did you know your rideshare driving affects your car insurance?
Men and women pay different rates for car insurance in most states, although nationally the difference is almost insignificant at 0.1%. Women pay 6% more than men in Oregon, while men pay 4% more than women in Vermont.
Getting married can save you up to 14% on car insurance in some states, though national savings average 7%.
Drivers save on average 1% by earning a high school diploma or GED and 3-4% for a bachelor's degree, master's degree or doctorate.
Nationally, renters pay at least $29 more than home or condo owners. Homeowners see the greatest savings when bundling, while renters see the least.
In some states, your career can impact your car insurance rate. For example, being in the military saves an average of 1.4%, and those who are unemployed pay an average of 1.5% more.
Credit has a substantial impact on auto insurance rates in almost every state. Improving your credit one tier can save an average of 17%, while drivers who improve from poor to excellent credit can cut their car insurance rate in half.
Drivers in their 50s pay the lowest premiums with those in their late 50s saving the most. On the flip side, 16-19 year olds pay the most of all age groups in every state.
If you drive for a rideshare company like Uber or Lyft, you need special coverage added to your policy. This adds a significant 49% to your car insurance rate.
*Some states do not allow certain non-driving information, such as gender, credit or level of education to affect insurance ratemaking. See full report for more.
The Zebra is the nation's leading insurance comparison site and an independent source for insurance quotes, industry research and educational resources for consumers.
34,500U.S. ZIP codes
83 million+car insurance rates
To determine the State of Auto Insurance in 2022, The Zebra analyzed 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 399 insurance companies, over the past 11 years, and across 34,500 U.S. zip codes to identify trends and critical factors impacting rates in 2022.
The Zebra's 2022 State of Auto Insurance report reflects an analysis of more than 83 million unique auto insurance rates from The Zebra's proprietary quote engine. The Zebra research team explored auto insurance pricing data from 2011 to 2021 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 2017 Honda Accord EX.
Using the data
The Zebra is the nation's leading, independent insurance comparison site and has sought to bring transparency and simplicity to insurance. We encourage you to explore, share and reference these report findings, with attribution to "The Zebra" or "TheZebra.com" and link to this page.