2022The State of
Auto Insurance

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

Are you a reporter on a deadline? Next slide
Previous slide

Drivers pay $1,529 on average for car insurance. Rates vary based on factors including where you live, what car you drive, how you drive and who you are.

Next slide
Previous slide

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.

Rate Ranges

  • $600 - $1,000
  • $1,001 - $1,500
  • $1,501 - $2,000
  • $2,001 - $2,500
  • $2,501+
  • 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
  • 2021 average national rates 2021 average national rates
Next slide
Previous slide

Where are car insurance rates rising or falling?

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%.

Rate Changes

  • Increased year over year
  • Decreased year over year
WASHINGTON, D.C.

Rate Changes

  • Increased year over year
  • Decreased year over year
Next slide
Previous slide

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

$1,379

Fairfield ($1,557)

Ozark ($1,195)

$1,272

Anchorage ($1,499)

Douglas ($1,087)

$1,482

Nazlini ($1,817)

Desert Hills ($1,181)

$1,768

College Station ($2,099)

Clarksville ($1,576)

$1,810

Beverly Hills ($3,059)

Mount Shasta ($1,317)

$1,687

Fort Lyon ($2,124)

Mack ($1,301)

$1,551

New Haven ($2,098)

Old Lyme ($1,326)

$1,623

Edgemoor ($2,103)

Ocean View ($1,391)

$2,425

West Palm Beach ($3,332)

Santa Rosa Beach ($1,892)

$1,535

Redan ($2,177)

Moody AFB ($1,165)

$1,088

Hawaii National Park ($1,153)

Kapaa ($958)

$1,338

Ferdinand ($1,486)

Meridian ($1,167)

$1,395

Dolton ($2,074)

Pontiac ($1,176)

$1,261

East Chicago ($1,732)

Decatur ($1,118)

$1,218

Bedford ($1,540)

Coralville ($983)

$1,647

Ensign ($1,902)

Salina ($1,455)

$1,879

Goose Rock ($2,876)

Fort Thomas ($1,283)

$3,265

New Orleans ($4,912)

Hornbeck ($2,482)

$1,035

Blue Hill ($1,124)

Biddeford ($949)

$1,305

Windsor Mill ($2,008)

Cavetown ($1,060)

$1,346

Roxbury ($2,685)

Gill ($996)

$2,639

Detroit ($5,102)

Shoreham ($1,886)

$1,310

Minneapolis ($1,672)

Fairmont ($1,147)

$1,607

Hermanville ($1,924)

Mississippi State ($1,387)

$1,698

Pine Lawn ($2,866)

Jefferson City ($1,446)

$1,534

Wyola ($1,729)

Fort Harrison ($1,372)

$1,589

Palisade ($1,851)

Aurora ($1,441)

$1,768

Spring Valley ($2,493)

Winnemucca ($1,300)

$1000

Newton ($1,142)

Lebanon ($912)

$1,459

Newark ($2,169)

Dover Beaches North ($1,259)

$1,375

Isleta ($1,614)

Alamogordo ($1,180)

$1,600

Saint Albans ($3,357)

Penfield ($1,071)

$1,067

Newell ($1,433)

Marshall ($897)

$1,317

Fort Yates ($1,564)

West Fargo ($1,050)

$1,028

Bratenahl ($1,227)

Van Wert ($845)

$1,592

Nichols Hills ($1,813)

Ochelata ($1,425)

$1,325

Gresham ($1,768)

Baker City ($1,162)

$1,266

Oak Ridge ($2,525)

White Deer ($994)

$2,106

Providence ($2,824)

Newport ($1,551)

$1,572

Crocketville ($2,004)

Salem ($1,268)

$1,578

Pine Ridge ($2,156)

Watertown ($1,303)

$1,262

Memphis ($1,594)

Bristol ($1,027)

$1,584

Aldine ($1,949)

Sheppard AFB ($1,269)

$1,386

Vineyard ($1,723)

Cedar City ($1,253)

$1,158

Taftsville ($1,217)

New Haven ($1,121)

$1,067

Bailey's Crossroads ($1,257)

Blacksburg ($886)

$1,457

$1,224

Midland ($1,602)

Carlsborg ($1,026)

$1,498

Kermit ($1,941)

Martinsburg ($1,271)

$1,202

Brown Deer ($1,706)

Neenah ($964)

$1,548

Teton Village ($1,619)

Cheyenne ($1,497)

Next slide
Previous slide

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 to affect insurance ratemaking.
Next slide
Previous slide

Pro tips:
How can you save on car insurance?

Save 17%

Increase your credit score by one tier

$$$

Save 27%

Buy a used car (a 5-year-old model saves about 27% each year)

Save 4%

Use a telematics device in your vehicle

Save 10%

Purchase your policy in advance; pay in full and online

Save 5-10%

Bundle your auto policy with home, condo or renters insurance

Save 5%

Maintain continuous coverage for at least 6 months

Next slide
Previous slide

About the research

The Zebra is the nation's leading insurance comparison site and an independent source for insurance quotes, industry research and educational resources for consumers.
  • 11 years
  • 399 insurance
    companies
  • 34,500 U.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.

Inside the data

  • 11 years
  • 399 insurance
    companies
  • 34,500 U.S. ZIP
    codes
  • 83 million+ car insurance
    rates
Next slide
Previous slide

Methodology

The Zebra's 2022 State of Auto Insurance research 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 research findings, with attribution to "The Zebra" or "TheZebra.com" and link to this page.

Interested in learning more?

Contact us
Next slide