2022

The State of
Auto Insurance
INSIGHTS BASED ON MORE THAN 83,000,000 RATES
About the report
The Zebra’s 2022 State of Auto The Zebra is the nation’s leading insurance comparison site and

Insurance Report analyzes more an independent source for auto insurance quotes, industry research and
educational resources for consumers.
than 83 million car insurance
rates to examine how dozens Car insurance is a critical financial safeguard that protects you

of trends and risk factors affect

in the event of an accident, theft or other unexpected disaster. But this
protection comes at a cost, and it’s different for everyone.
insurance pricing nationwide.
The car insurance industry uses information about what kind of car you
have, how you drive and who you are (your age, marital status, even your
credit score) to help determine your risk and your rate.

Insurance also varies substantially by location, because each state has

its own insurance requirements and regulations. And with hundreds of
insurance companies in the U.S. using a mix of some 43,500 rating factors,
any given driver could potentially choose from hundreds or thousands
of quotes.

The Zebra’s annual report explores rates across all 34,500 U.S. ZIP codes
and over the past 11 years to identify trends and critical factors impacting
rate changes, and what that means for 240 million U.S. drivers in 2022.

| THE STATE OF AUTO INSURANCE 2022 2

What is the state of
auto insurance in 2022?

Back up, after going down last year More miles means more accidents Weather, weather everywhere

· The average car insurance rate rose 3% from · After reduced travel in 2020 due to the · Wildfires, flooding, hurricanes, hail storms —
2020 to 2021. COVID-19 pandemic, people are starting catastrophes like these cause widespread
to hit the road again — leading to more property damage and an onslaught of
· Rates actually fell in 2020 for the first time accidents and more insurance claims. insurance claims. Insurance companies raise
since 2013. Because of that drop, the increase rates to account for these losses.
in 2021 still leaves rates down 1% from · The Federal Highway Administration shows
2019 rates. that vehicle miles traveled in the first half · In 2021, wildfires and tornadoes were up, and
of 2021 increased by 173.1 billion miles or while there were fewer hurricanes and tropical
· Other than the dip last year and in 2013, rates about 13% over the same period in 2020. storms than in 2020, it was still considered a
have been increasing steadily and have overall hurricane season with above-average activity.
skyrocketed 28% in the last decade. · Traffic fatalities in the first half of 2021 were
up 18% over 2020. Additionally, there was · Winter storms in 2021 caused a record $15
an increase in speeding over pre-pandemic billion in insured losses up from $1 billion in
times. More recklessness and more 2020, almost entirely due to two storms
accidents equal more insurance claims. in February.

| THE STATE OF AUTO INSURANCE 2022 3

U.S. car insurance
rates by year
$1,600 1.8%
5.8% $1,544 3.1%
$1,521
-3.9% $1,529
$1,500 $1,483
5.0%
$1,437

$1,400 6.9%
$1,368
AV E R AG E R AT E

6.9% 4.2%
$1,300
$1,276 $1,280
2.8%
-6.3% $1,229
$1,194
$1,200 $1,195

$1,100

$1,000
20
20

20

20

20

20

20

20

20

20

20
16
11

12

13

14

15

17

18

19

20

21
| THE STATE OF AUTO INSURANCE 2022 4
Why are rates changing?
When risks change, rates change
Insurance is all about risk. Car insurance pricing takes into account individual risks associated with drivers and their vehicles, but
broader environmental, government and economic factors also play a role.

POPULATION AND CRIME ECONOMY

· The U.S. population is up more than 8% since 2010, and top metro areas · Supply chain issues as a result of the COVID-19 pandemic have
are growing even faster. More populated cities and those with more traffic skyrocketed the cost of new and used vehicles. In 2021, there was
congestion, crime and uninsured drivers often have higher insurance rates. a 14% increase year over year in the cost of new vehicles and a
27% increase for used vehicles.
· The U.S. population is up more than 8% since 2010, and top metro areas
are growing even faster. · The cost of materials and repairs is increasing, which affects how
much insurance companies have to pay for claims, and thus how
· More than 814,000 vehicles were stolen in the U.S in 2020, which much they charge for premiums.
was an 11% increase from the previous year.
· Insurance companies have had to adapt to a changing economy,
which can mean consolidating to manage risk or changing their
risk evaluation processes. These actions can all affect how they
measure the risk an individual poses and how much to charge for
their premium.
| THE STATE OF AUTO INSURANCE 2022 5
BEHAVIOR LEGISLATION AND REGULATION

· Americans are increasingly distracted by phones and other · Each state has its own insurance laws and government regulators.
devices behind the wheel. This and other reckless behaviors (like Each sets a minimum level of coverage residents must carry,
aggressive driving and DUI) increase risk — and therefore rates — determines if and when insurance companies can raise rates and
for everyone. proposes new laws regarding fraud and more.

· Even with fewer people on the road and fewer miles traveled, major · Insurance departments in some states have prohibited certain
accidents are on the rise. The fatality rate from vehicular accidents factors from being used to price insurance — notably gender, credit
for the first half of 2021 increased to 1.34 fatalities per 100 million
score and level of education — arguing that they are discriminatory
vehicle miles traveled — up 5% from the same time period in 2020.
and irrelevant to driving risk. California, Hawaii, Massachusetts

· During the pandemic, people picked up speeding and other reckless and Michigan are currently the states that ban these factors most
driving habits that have continued into 2021. Insurers’ data shows broadly. As of March 2022, Washington also prohibits considering
that drivers with a history of traffic violations and accidents tend to credit score as a factor.
file more claims than those who don’t, so they raise those drivers’
insurance rates accordingly. · As of early 2022, Congress is considering a bill that would ban
personal rating factors like gender, credit, ZIP code and income
nationwide.

| THE STATE OF AUTO INSURANCE 2022 6

Table of contents
Auto insurance rates based on:

1 WHERE YOU LIVE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

Car insurance rates in the U.S.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10

State. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
City. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

2 WHO YOU ARE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

Your age.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Your credit score. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Your gender. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
Your marital status.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
Your home. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
Your level of education. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
Your occupation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

3 HOW YOU DRIVE.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

Driving violations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
  Accidents and tickets. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
  Speeding. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
  Distracted driving. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
Annual mileage. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24
Pay-per-mile insurance and telematics. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
Primary vehicle use. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26

| THE STATE OF AUTO INSURANCE 2022 7

4 COVERAGE OPTIONS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27
Coverage levels . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28
Rideshare insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29
Insurance policy payments and savings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30
Bundling . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31
History of coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32

5 WHAT YOU DRIVE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33

Popular car models . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34
  Most & least expensive cars to insure. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35
Type of vehicle . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36
Vehicle age. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37
Advanced vehicle technology.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38

6 METHODOLOGY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39

7 APPENDIX . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41
Coverage levels 101 .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42
Insurance rates by state . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43

| THE STATE OF AUTO INSURANCE 2022 8

 zv

RATES BY

Where
you live

9
RATES BY WHERE YOU LIVE

Car insurance rates in the U.S.

Rates increased 3% from 2020 to 2021, but because of the downturn last year, rates are still down 1% from 2019.

Average premium

$600-1,000
$1,001-1,500
$1,501-2,000
$2,001-$2,500
$2,501+

| THE STATE OF AUTO INSURANCE 2022 10

RATES BY WHERE YOU LIVE

Car insurance rates by state

In the past year, 38 states (including Washington, D.C.) saw an increase in premiums, while 13 states saw a decrease in rates.
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%; however, the state with the cheapest insurance is New Hampshire.

Rank State (most to least expensive) Annual rate Rank State (most to least expensive) Annual rate Rank State (most to least expensive) Annual rate

1 Louisiana $3,265 18 South Dakota $1,578 35 North Dakota $1,317

2 Michigan $2,639 19 South Carolina $1,572 36 Minnesota $1,310

3 Florida $2,425 20 Connecticut $1,551 37 Maryland $1,305

4 Rhode Island $2,106 21 Wyoming $1,548 38 Alaska $1,272

5 Kentucky $1,879 22 Georgia $1,535 39 Pennsylvania $1,266

6 California $1,810 23 Montana $1,534 40 Tennessee $1,262

7 Nevada $1,768 24 West Virginia $1,498 41 Indiana $1,261

8 Arkansas $1,768 25 Arizona $1,482 42 Washington $1,224

9 Missouri $1,698 26 New Jersey $1,459 43 Iowa $1,218

10 Colorado $1,687 27 District of Columbia $1,457 44 Wisconsin $1,202

11 Kansas $1,647 28 Illinois $1,395 45 Vermont $1,158

12 Delaware $1,623 29 Utah $1,386 46 Hawaii $1,088

13 Mississippi $1,607 30 Alabama $1,379 47 Virginia $1,067

14 New York $1,600 31 New Mexico $1,375 48 North Carolina $1,067

15 Oklahoma $1,592 32 Massachusetts $1,346 49 Maine $1,035

16 Nebraska $1,589 33 Idaho $1,338 50 Ohio $1,028

17 Texas $1,584 34 Oregon $1,325 51 New Hampshire $999

| THE STATE OF AUTO INSURANCE 2022 See Appendix for rates by state and year. 11
RATES BY WHERE YOU LIVE

Which U.S. cities pay the most

and least for car insurance?
Least expensive Most expensive

1 Van Wert, OH 1 Detroit, MI

1 9 10
$845 $5,102
2 St. Marys, OH 2 New Orleans, LA
1 2 3 4 5 6 7
$846 $4,912
8 9 10
3 Coldwater, OH 3 Arabi, LA
$852 $4,751
4 Findlay, OH 4 Chalmette, LA
$855 $4,712
5 Convoy, OH 5 Meraux, LA
$855 $4,616
6 Montezuma, OH 6 Harvey, LA
$856 $4,605
7 Ohio City, OH 7 Gretna, LA
$858 $4,526
8 Grover Hill, OH 8 Estelle, LA
$860 $4,377
2 3 4 5 6 7 8
9 Celina, OH 9 River Rouge, MI
$860 $4,329
10 Rockford, OH 10 Dearborn, MI
$861 $4,262

| THE STATE OF AUTO INSURANCE 2022 12

RATES BY

Who
you are

13
RATES BY WHO YOU ARE

Your age
Car insurance companies closely relate a driver’s age to their level of experience. Young, inexperienced drivers are more likely to
get in an accident than older drivers, so young drivers pay higher rates.

$7,000

$6,500 INSURING A TEEN DRIVER

$6,000
Statistics show that teen drivers are more likely to get in accidents and file
$5,500
claims than any other age group, so they pay the highest car insurance rates.
$5,000
AV E R AG E R AT E

A 16-year-old driver with their own policy would average $6,034 per year for
$4,500
car insurance — an amount nearly twice what they will pay when they turn 20.
$4,000 However, most teen drivers are added to a parent’s policy, which still doubles
$3,500 the parent’s car insurance rate.

$3,000

$2,500

$2,000

$1,500

$1,000
Teens 20s 30s 40s 50s 60s 70s 80s

Average Average Average Average Average Average Average Average

$4,796 $2,010 $1,495 $1,435 $1,350 $1,361 $1,569 $1,831

| THE STATE OF AUTO INSURANCE 2022 14

RATES BY WHO YOU ARE

Your credit score

Credit can have a significant impact on car insurance rates. In fact, drivers with very poor
credit pay 69% ($1,537) more for car insurance than drivers who have exceptional credit.
California, Hawaii, Michigan, Massachusetts and Washington don’t allow credit as a ratings
factor, so there is no difference in premiums based on credit scores in these states.

Why does your

AVERAGE RATES AND SAVINGS BY CREDIT SCORE credit score affect
$3,000
what you pay for
car insurance?
-20%
$2,500 $591
savings
Studies done by the Federal Trade Commision
-17%
have shown that drivers with poor credit are
$384
$2,000
savings more likely to file claims than drivers with
-16%
good credit. Drivers with poor credit also tend
$306
savings to file more expensive claims than drivers with
-16% good credit. Therefore, insurance companies
$1,500 $256 believe that using credit is a highly accurate
savings
way to determine risk.

$1,000
Ex 00-
Po 00

Av 80-

Go 70-

Ex 40-

ce 85
er 66
or -57

od 73

ce 79

(8
(5

(6

(7
(3

ag 9)

pt
lle 9)

io )
e

nt

na
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0
9)
9)

| THE STATE OF AUTO INSURANCE 2022 15

RATES BY WHO YOU ARE

Your gender Your marital status

Nationally, the difference between what women and men pay for When single people get married, their car insurance rates drop about 7.3%,
car insurance is insignificant (less than 0.1%). Interestingly, in 20 saving roughly $104/year. And when they get divorced, their rates shoot back
states women pay more than men, and in 25 states men pay more up to those of a single person. In all but 13 states, single and divorced people
than women. have the same rates — in 10 states divorced people pay more. Some states
— including Montana, Michigan and Hawaii — don’t allow the use of marital
status in determining rates at all.

AVERAGE RATES BY MARITAL STATUS

$1,550 $1,529 $1,535

Oregon has the highest difference in average annual premiums $1,500 $1,478

AV E R AG E R AT E
$1,425
between genders at nearly 6%, and Utah is the second highest at
7.3%
nearly 4%. Both differences favor men over women. $1,450 savings

$1,400
Hawaii, Massachusetts, Montana, California, Pennsylvania and
North Carolina see no difference at all in average annual premiums $1,350
between men and women because gender cannot legally be
considered a factor in determining insurance premiums in those $1,300
states. Single Married Divorced Widowed

| THE STATE OF AUTO INSURANCE 2022 16

RATES BY WHO YOU ARE

Your Your level

home of education
Nationally, renters pay about $29 more a year for car Nationally, drivers can save on car insurance as they reach higher levels of
insurance than homeowners or condo owners (regardless education. Historically, this difference has been negligible. However, this year a
of whether or not they choose to bundle policies). Bundling driver with no high school diploma is paying an average of $60 more a year than
home and auto insurance can lead to a savings of about a driver with a Ph.D., which is up from only $39 in savings the previous year.
$153 a year. Connecticut homeowners see the largest
savings in auto insurance at about $86 a year.
AVERAGE RATES BY LEVEL OF EDUCATION
AVERAGE RATES BY $1,562
$1,583
HOME OWNER STATUS $1,600 1.3%
savings $1,523
$1,550 3.8%
$1,529 $1,524 savings

Renter $1,532 AV E R AG E R AT E
$1,500

$1,450

Homeowner $1,503 $1,400

$1,350

$1,300
Condo owner $1,503 None High school Bachelor’s Master’s Ph.D.

| THE STATE OF AUTO INSURANCE 2022 17

RATES BY WHO YOU ARE

Your occupation
Believe it or not, your job can affect what you pay for car insurance. Drivers who are employed full-time save about
$23 on car insurance annually, and active duty military personnel get an average discount of about $21 over employed
civilians. Several states don’t include employment as a car insurance pricing factor.

$1,550 Occupation Average rate

Military $1,473
Engineer $1,482
$1,517
Lawyer $1,482
$1,494
$1,500 $1,473
Scientist $1,476
AV E R AG E R AT E

Teacher $1,481
Doctor $1,486
Firefighter $1,481
$1,450
Law enforcement $1,493
Manager $1,500
Proprietor $1,520
Unemployed $1,517
$1,400
Civil servant $1,504
Unemployed Employed Military

| THE STATE OF AUTO INSURANCE 2022 18

RATES BY

How
you drive

19
RATES BY HOW YOU DRIVE

Accidents, tickets and claims: How

much do they affect your insurance?
Your driving record significantly impacts what you pay for car insurance, and some violations and claims are much more costly than others.
No matter which state you live in, there will be at least a 29% increase in auto insurance premiums if you are caught carrying out the respective
state's most expensive violation.

Avg. annual % $
Driving violation premium difference difference

None $1,529

Not-at-fault accidents $1,569 2.6% $40

Seat belt $1,690 10.5% $161

Child safety restraint $1,709 11.7% $180

Driving without lights $1,708 11.7% $179

Failure to show documents $1,735 13.5% $206

Driving with expired registration $1,805 18.1% $276

Driving too slowly $1,841 20.4% $312

Speeding in school zone $1,844 20.6% $315

Cell phone violation $1,849 20.9% $320

| THE STATE OF AUTO INSURANCE 2022 20

RATES BY HOW YOU DRIVE
Avg. annual % $
Driving violation premium difference difference

Texting while driving $1,851 21.1% $322

Failure to stop at a red light $1,854 21.3% $325

Failure to yield $1,855 21.3% $326

Illegal turn $1,855 21.3% $326

Wrong way/wrong lane $1,865 22.0% $336

Following too closely $1,873 22.5% $344

Improper passing $1,879 22.9% $350

Operating a vehicle without permission $1,938 26.7% $409

Passing school bus $1,937 26.7% $408

Open container $2,059 34.6% $530

At-fault accident $2,090 36.7% $561

Speeding $1,980 29.5% $451

Driving with a suspended license $2,415 58.0% $886

Reckless driving $2,417 58.1% $888

Refusal to submit to a chemical test $2,456 60.7% $927

DUI $2,475 61.9% $946

Racing $2,530 65.4% $1,001

Hit and run $2,606 70.4% $1,077

| THE STATE OF AUTO INSURANCE 2022 21

RATES BY HOW YOU DRIVE

Speeding

Avg. annual % $
Speeding premium difference difference

Speeding (overall) $1,980 29.5% $451

Speeding in school zone $1,844 20.6% $315 How much does a

Speeding 6-10 MPH over the limit $1,818 18.9% $289
speeding ticket
affect your rates?
Speeding 11-15 MPH over the limit $1,837 20.2% $308

The faster you’re speeding, the greater the

Speeding 16-20 MPH over the limit $1,871 22.4% $342
impact a ticket will have on your insurance
rates. Insurers also significantly penalize
Speeding 21-25 MPH over the limit $1,954 27.8% $427
drivers caught speeding in school zones.

Speeding in a 65 MPH zone $1,890 23.6% $362

Driving too slowly $1,841 20.4% $312

Did you know?

Getting a ticket for driving too
slowly will increase your rate, too.

| THE STATE OF AUTO INSURANCE 2022 22

 RATES BY HOW YOU DRIVE

Distracted driving
AVERAGE RATES FOR DISTRACTED DRIVING 2011-2021

22% 21.5%
21.1%

21.2%
20%
How much does
16.6%
distracted driving
15% affect your rates?
13.5%
R AT E I N C R E A S E

Getting caught texting or otherwise

using your phone while driving will raise
10% your insurance rate an average of 21%
6.6%
($322). The penalty for distracted driving
has increased notably in recent years as
insurers learn more about the costs and
more states create laws prohibiting it.
5%

1.7%
0.4% 0.4% 0.6%
0%
2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021

| THE STATE OF AUTO INSURANCE 2022 23

RATES BY HOW YOU DRIVE

Annual mileage: Will driving less

save you money on insurance?

Your annual mileage usually has little impact

on car insurance rates – unless you live in
U.S. VS. CALIFORNIA
AVERAGE RATE BY ANNUAL MILEAGE ­
California. There’s a 32% gap in average annual
premiums between those who drive 0 - 7,500
miles and those who drive more than 15,000.
Hawaii and North Carolina are the only states
that don’t have a difference in premium for $2,200
annual miles driven.

AV E R AG E R AT E $2,000

$1,800

$1,600

$1,400
0-7.5K 7.5-10K 10-15K 15K+

National average California average

| THE STATE OF AUTO INSURANCE 2022 24

RATES BY HOW YOU DRIVE

Did you know?

Pay-per-mile insurance:
Drivers save about 4% with a
usage-based/telematics policy.

How does it work?

Telematics monitors:
You might have heard of “pay-per-mile," “telematics” or “usage-based insurance” (UBI).
While all slightly different, each describes the use of technology to monitor how, where,
when and how much a person drives to better assess their risk and price their insurance Speed
policy accordingly.

These insurance programs use smartphone sensor technology or physical devices you
plug into your vehicle to record your driving. Major insurance companies have their own
products and programs – Snapshot™ from Progressive, Drivewise™ from Allstate, etc., Distance
and several newer companies like Metromile and Root exclusively provide usage-based
insurance policies.

Hard braking
or acceleration

Can it save you money?

Telematics programs can be a great way to save money, but they are best for people Time of day or
who drive infrequently and on smooth, safe routes. Having a telematics-based policy
night you drive
saves 4% on average, up from 3% last year. Only drivers in California and Wyoming do
not benefit from telematics.

Neighborhoods you
drive through

| THE STATE OF AUTO INSURANCE 2022 25

RATES BY HOW YOU DRIVE

Primary vehicle use

The majority of drivers primarily use their car for commuting to work, running errands and other personal tasks. Driving for pleasure usually means
you have multiple cars and one is more for weekend cruising. Meanwhile, farm-use vehicles require a limited, special license. People who drive
for business purposes — such as real estate agents or traveling salespeople — need a policy that covers them when using their car for work.
Business-use vehicles cost the most in average annual auto insurance premiums. In fact, business-use vehicles are significantly more expensive
to insure than all other primary vehicle uses.

AVERAGE RATES BY VEHICLE USAGE TYPE

Farm Pleasure

$1,446 $1,529
Did you know?
In 14 states — up from 12 last year — the
Personal/commuting Business distance you commute has no bearing on

$1,542 $1,703
the amount you pay in premiums.

| THE STATE OF AUTO INSURANCE 2022 26

RATES BY

Coverage
options

27
RATES BY COVERAGE OPTIONS AND SAVINGS

How much coverage do you need?

Liability coverage is required (it’s the law), but you’ll need to AVERAGE RATES FOR
add comprehensive, collision and other coverages if you want COMMON COVERAGE OPTIONS
to protect your vehicle and yourself. Many drivers also opt to
increase liability coverage above the state-required minimum to Avg. annual Increase
safeguard against the most serious and costly accidents.
Coverages rate from min. liability

State minimum liability only $539

State minimum liability coverage offers the least amount of
protection for the lowest price. Policies that add comprehensive 50/100/50 liability only $680 26%
and collision protect your vehicle against events like floods, hail
and crashes — but they cost an average of 61% more.
100/300/100 liability only $697 29%

State minimum + comp-collision

The deductible you select (typically $500 or $1,000) also affects with $1,000 deductible
$1,122 108%
your rates. The deductible is the amount you pay out of pocket
for a claim before your insurance company pays anything. 50/100/50 liability + comp-collision
with $1,000 deductible
$1,286 139%

100/300/100 liability + comp-

collision with $1,000 deductible
$1,334 148%
Did you know?
Raising your deductible from
State minimum + comp-collision
$500 to $1,000 saves an average
with $500 deductible
$1,349 150%
of 13% on your insurance rate.
50/100/50 liability + comp-collision
with $500 deductible
$1,502 178%

100/300/100 liability + comp-

collision with $500 deductible
$1,600 197%

| THE STATE OF AUTO INSURANCE 2022 28

RATES BY COVERAGE OPTIONS

Rideshare insurance: What coverage

do Uber and Lyft drivers need?

People who drive for a rideshare company like Uber or Lyft are covered by those companies when they are driving “on the job”
with a passenger in the car. The same drivers are covered by their own auto policies when they are driving for personal use.

However, there is a gray area when drivers are looking for passengers (but have not yet picked them up) in which neither of
those coverages apply. This rideshare coverage raises rates by 49%. This is up significantly from last year, when it was only a 15%
additional cost.

| THE STATE OF AUTO INSURANCE 2022 29

RATES BY COVERAGE OPTIONS

Insurance policy savings

Did you know that how you do business with your insurance company can affect
your rates? For example, paying for your policy in advance, in full and online can
save you more than 11% on car insurance.

Transfer funds Buy online (electronic

electronically
$23 savings
signature)
$16 savings $168 saved
(1.5%) (1.1%) 11.2% savings

10
days

Pay in full Purchase in advance

(10 days)
$74 savings $64 savings
(4.9%) (4.2%)

| THE STATE OF AUTO INSURANCE 2022 30

RATES BY COVERAGE OPTIONS

To bundle or not to bundle?

Many people choose to buy two or more types of insurance coverage from the same company — commonly
known as bundling. When you bundle coverage for your apartment, house or condo with coverage for your
car, you can save 5 - 10% on car insurance. The amount of savings can change depending on the insurance
company and other property being insured.

RENTER CONDO OWNER HOMEOWNER

Without bundle Without bundle Without bundle

$1,532 $1,503 $1,503

With bundle With bundle With bundle

$1,450 $1,375 $1,350

$82 (5.4%) savings $128 (8.5%) savings $153 (10.2%) savings

| THE STATE OF AUTO INSURANCE 2022 31

RATES BY COVERAGE OPTIONS
Pro Tip
After 6 months and 1, 3 and 5

History of coverage
years of being insured, shop
around for insurance as you
may be able to get lower rates.

RATES BY LENGTH OF HOW MUCH DO DRIVERS SAVE BY

CONTINUOUS COVERAGE MAINTAINING DIFFERENT COVERAGE LEVELS?

Maintaining continuous insurance coverage with no lapses (even for A driver’s prior level of insurance coverage also factors into future rates.
a day!) is important because insurance companies view drivers who Drivers who maintain high levels of liability coverage see significant
are already insured as financially responsible and therefore lower risk. savings over time. For example, a driver who maintains state minimum
Notably, California is the only state where insurance companies don’t coverage for five years would save about 6% on insurance compared to
take insurance history into consideration when setting rates. someone without coverage history. A driver who maintained 100/300
liability coverage for five years would save 12%.

$1,800 S AV I N G S A F T E R 6 M O NT H S O F C OV E R AG E

State minimum liability 1%

$1,700
$1,668
AV E R AG E R AT E

$1,583 50/100 liability 7%

5% $1,567 $1,545
$1,600 savings
6% 100/300 liability 8%
savings
7% $1,517
savings
9%
savings

$1,500
S AV I N G S A F T E R 5 Y E A R S O F C OV E R AG E

$1,400 State minimum liability 6%

None 6 months 1 year 3 years 5 years
50/100 liability 11%

Rate savings 100/300 liability 12%

| THE STATE OF AUTO INSURANCE 2022 32

RATES BY

What
you drive

33
RATES BY WHAT YOU DRIVE

What does it cost to insure the

10 best-selling vehicles in America?

Ford F-Series Ram Pickup Chevrolet Silverado Toyota RAV4 Honda CR-V

#1 $1,525 #2 $1,814 #3 $1,899 #4 $1,590 #5 $1,500

5.2% of MSRP 5% of MSRP 4.7% of MSRP 6% of MSRP 5.3% of MSRP

Toyota Camry Nissan Rogue Toyota Corolla Honda Civic Toyota Highlander

#6 $1,826 #7 $1,638 #8 $1,800 #9 $1,692 #10 $1,634

7.3% of MSRP 7% of MSRP 8.8% of MSRP 7.3% of MSRP 4.4% of MSRP

Annual average rates of the 10 most popular cars in the U.S. by vehicle sales for 2021 models

| THE STATE OF AUTO INSURANCE 2022 34

RATES BY WHAT YOU DRIVE

The most and least expensive

cars to insure
Insurance Insurance
Rank Most expensive Rate as % MSRP Rank Least expensive Rate as % MSRP

1 Maserati Quattroporte $5,420 3.9% 1 Mazda CX-3 Sport $1,440 6.9%

2 Nissan GT-R Nismo $4,864 2.3% 2 Toyota C-HR LE $1,473 6.8%

3 Audi R8 5.2L V10 Quattro $4,591 2.1% 3 Ford Transit Connect XL $1,491 6%

4 Maserati Ghibli $4,341 6% 4 Fiat 500X Pop $1,499 5.7%

5 Acura NSX $4,137 2.6% 5 Honda CR-V EX $1,500 5.4%

6 Mercedes S560 $4,059 3.1% 6 Subaru Crosstrek $1,502 6.8%

7 Tesla Model S Long Range $3,908 4.1% 7 Dodge Ram Promaster City $1,507 5.9%

8 Alfa-Romeo Giulia Quadrifoglio $3,847 5.1% 8 Jeep Compass Altitude $1,510 6.3%

9 Porsche 911 Carrera $3,730 3.8% 9 Ford F-150 XL $1,525 5.2%

10 Mercedes G550 4MATIC $3,637 2.8% 10 GMC Savana G2500 $1,527 4.6%

| THE STATE OF AUTO INSURANCE 2022 35

RATES BY WHAT YOU DRIVE

Rates by brand and type

Least expensive brand Most expensive brand

Fiat Maserati
$1,499 $4,393

Car type Rate*

Van $1,655 Buying a new ride?

At about a $332 per
Truck $1,735 month difference
SUV $1,952
between the most and
least expensive vehicles,
Car $2,454 it’s worth checking auto
*Average annual rates for 2021 models. insurance rates before
purchasing.

| THE STATE OF AUTO INSURANCE 2022 36

RATES BY WHAT YOU DRIVE

How the age of your car affects

insurance rates
New cars are more expensive to insure than older vehicles because they cost more to repair or replace — especially if they
feature new technology like blind spot sensors and rearview cameras. A 5-year-old vehicle is about 27% less expensive to
insure than its brand-new counterpart.

Insurers also account for variations from one model year to the next. Certain model years may be more prone to crashes,
thefts or expensive repair costs than others, which can impact the cost to insure the vehicle.
$1838
$1,800 $1702
$1698
7.99%
8.24% $1663 savings
savings
$1,700 10.52%
savings
AV E R AG E R AT E

$1,600 $1501
22.45%
savings $1443
$1,500 27.37%
savings

$1,400

$1,300

$1,200
Ne

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AG E O F V E H I C L E % savings from new, based on Honda Accord

| THE STATE OF AUTO INSURANCE 2022 37

RATES BY WHAT YOU DRIVE

Does advanced vehicle technology

affect your car insurance rates?
Annual
Anti-theft features savings % savings

Audible alarm $6 0.41%

Active disabling device $6 0.41%
Tracking device $8 0.55%
Passive disabling device $10 0.68%

Annual
Safety feature savings % savings Why don’t safety and
Blind spot warning device $3 0.2%
security devices have a
Collision preparation system $1 0.1%
bigger impact on rates?
Driver alertness monitoring device $0 0.0%
Many new car models have advanced technology
Heads-up display $0 0.0% to enhance safety and prevent theft; however, these
Lane departure warning device $0 0.0% features also increase the cost of vehicle repairs
or replacement, so it won’t save you much on car
Night vision device $0 0.0% insurance. There is no anti-theft device that will save
Park assist device $0 0.0% you more than 1% on insurance premiums.

Rear view camera $0 0.0%

Electronic stability control (ESC) $8 0.5%

| THE STATE OF AUTO INSURANCE 2022 38

Methodology

| THE STATE OF AUTO INSURANCE 2022 39

Methodology
Between September and December 2021, The Zebra conducted
a comprehensive auto insurance pricing analysis comprising
data from insurance rating platforms and public rate filings. The
Zebra examined more than 83 million rates to explore pricing
trends across all United States ZIP codes and Washington, D.C.

Analysis used a consistent base profile for the insured driver:

a 30-year-old single male driving a 2017 Honda Accord EX with
a good driving history and coverage limits of $50,000 bodily
injury liability per person/$100,000 bodily injury liability per Want to use this information?
accident/$50,000 property damage liability per accident with a We encourage you to explore, share and reference the findings
$500 deductible for comprehensive and collision. For coverage of our report and ask that you attribute uses to “The Zebra”
level data, optional coverage (that must be rejected in writing) or “TheZebra.com” and link to
is included where applicable, including uninsured motorist
coverage and personal injury protection. The Zebra State of
Insurance 2022
For vehicle make and model data, analysis referenced the most
popular vehicles in the U.S. by sales in the first three quarters of
2021 according to Car and Driver’s data.
Contact [email protected]
Finally, some rate data may vary slightly throughout this report, for questions or specific data requests.
based on rounding.

| THE STATE OF AUTO INSURANCE 2022 40

Appendix

| THE STATE OF AUTO INSURANCE 2022 41

RATES BY COVERAGE OPTIONS

Insurance coverage 101

Liability coverage is what pays
for injuries and property damage suffered
What do these numbers on your by other people when you’re at fault in an

policy mean? accident. This coverage is legally required

for drivers everywhere in the U.S. (except
New Hampshire) – but note that liability
does not cover your own vehicle damage
or injuries.

50 / 100 / 50 Collision coverage pays for

damage to your vehicle if it hits another
car or inanimate object, whether its a minor
Bodily injury: Bodily injury: Property fender-bender or major highway pileup.
per person per accident damage
Comprehensive covers damage
to your vehicle in all kinds of unexpected
These numbers represent the limits of how much your insurer will pay to cover injury and scenarios that aren’t accidents with other
property damage costs after an accident. Each state has minimum liability requirements, but cars. This includes (but is not limited to)
drivers may buy more coverage for extra protection. weather damage and theft. You may also
see this written as “other than collision”
For example, 50/100/50 means you have coverage up to $50,000 for each person injured coverage
in an accident you cause, up to $100,000 for all people injured in the accident, and up to
$50,000 for property damage. If you cause damage that exceeds these limits, you’re on Full coverage typically means that
your own to cover the rest. you have comprehensive and collision
coverages combined.

| THE STATE OF AUTO INSURANCE 2022 42

 APPENDIX — Annual auto insurance rates by state for 2011-2021 with % YoY change

2011 to 2021 2020 to 2021

State 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 % change % change

Alabama $1,279 $1,057 $1,023 $1,031 $1,058 $1,288 $1,378 $1,458 $1,450 $1,297 $1,379 1.38% -10.27%
Alaska $1,291 $1,358 $1,368 $1,338 $1,174 $1,098 $1,155 $1,210 $1,275 $1,397 $1,272 8.23% 7.16%
Arizona $1,028 $998 $966 $1,052 $1,064 $1,302 $1,260 $1,379 $1,470 $1,416 $1,482 37.65% -3.30%
Arkansas $1,137 $1,125 $1,119 $1,153 $1,239 $1,501 $1,466 $1,566 $1,698 $1,702 $1,768 49.62% 0.29%
California $1,190 $1,238 $1,255 $1,431 $1,477 $1,448 $1,736 $1,838 $1,868 $1,822 $1,810 53.08% -2.15%
Colorado $944 $1,051 $1,256 $1,179 $1,359 $1,447 $1,410 $1,700 $1,757 $1,698 $1,687 79.83% -3.75%
Connecticut $1,766 $1,993 $1,638 $1,605 $1,584 $1,223 $1,511 $1,589 $1,696 $1,542 $1,551 -12.69% -8.84%
Delaware $1,615 $1,545 $1,774 $1,860 $2,007 $1,576 $1,718 $1,877 $1,803 $1,615 $1,623 0.02% -9.61%
District of Columbia $1,324 $1,320 $1,335 $1,442 $1,517 $1,319 $1,474 $1,581 $1,383 $1,427 $1,457 7.78% 2.45%
Florida $1,366 $1,626 $1,672 $1,584 $1,544 $1,874 $1,937 $2,107 $2,309 $2,324 $2,425 70.13% -0.06%
Georgia $1,355 $1,778 $1,156 $1,226 $1,161 $1,302 $1,442 $1,594 $1,609 $1,539 $1,535 13.57% -4.08%
Hawaii $1,106 $1,263 $1,086 $1,132 $1,110 $1,068 $1,052 $1,121 $1,045 $1,080 $1,088 -2.36% -1.86%
Idaho $788 $782 $803 $831 $901 $953 $1,029 $1,069 $1,164 $1,256 $1,338 59.34% 7.99%
Illinois $818 $777 $859 $927 $929 $1,174 $1,191 $1,257 $1,303 $1,285 $1,395 56.97% -0.34%
Indiana $923 $807 $874 $907 $965 $1,019 $1,111 $1,188 $1,165 $1,188 $1,261 28.68% 2.37%
Iowa $841 $1,224 $1,356 $886 $921 $883 $1,041 $1,010 $1,106 $1,151 $1,218 36.84% 5.25%
Kansas $1,046 $1,142 $1,162 $1,143 $1,188 $1,274 $1,445 $1,539 $1,622 $1,599 $1,647 52.84% -2.72%
Kentucky $1,781 $2,089 $1,825 $1,772 $1,849 $2,073 $2,055 $2,019 $2,208 $1,849 $1,879 3.82% -16.16%
Louisiana $1,531 $1,409 $1,500 $1,688 $1,694 $2,056 $2,215 $2,368 $2,379 $2,304 $3,265 50.51% 1.87%
Maine $904 $860 $731 $862 $883 $820 $909 $938 $935 $1,100 $1,035 21.64% 17.72%
Maryland $1,247 $1,381 $1,254 $1,219 $1,427 $1,115 $1,215 $1,345 $1,415 $1,436 $1,305 15.21% 1.67%
Massachusetts $1,254 $1,541 $1,063 $1,196 $948 $1,163 $1,157 $1,327 $1,463 $1,303 $1,346 3.87% -4.75%
Michigan $2,220 $2,742 $2,222 $2,109 $2,038 $2,635 $2,869 $2,884 $3,096 $2,535 $2,639 14.17% -18.41%
Minnesota $1,166 $1,137 $1,164 $1,187 $1,215 $1,309 $1,259 $1,361 $1,319 $1,398 $1,310 19.89% 2.87%
Mississippi $1,123 $1,369 $1,084 $1,152 $1,550 $1,702 $1,549 $1,604 $1,587 $1,501 $1,607 33.69% -5.61%
Missouri $1,002 $1,017 $1,100 $1,013 $1,056 $1,543 $1,346 $1,579 $1,736 $1,687 $1,698 68.42% -2.42%

| THE STATE OF AUTO INSURANCE 2022 43

 APPENDIX | A1 — Annual auto insurance rates by state for 2011-2021 with % YoY change (cont.)

2011 to 2021 2020 to 2021

State 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 % change % change

Montana $985 $1,061 $1,128 $1,070 $1,091 $1,496 $1,747 $1,445 $1,534 $1,549 $1,534 57.35% 0.92%
Nebraska $888 $1,129 $1,142 $1,040 $1,092 $1,196 $1,192 $1,270 $1,370 $1,521 $1,589 71.19% 5.76%
Nevada $1,484 $1,185 $1,189 $1,219 $1,285 $1,797 $1,846 $1,904 $1,974 $1,744 $1,768 17.52% -12.49%
New Hampshire $824 $828 $853 $999 $1,073 $1,040 $1,058 $1,133 $1,037 $961 $999 16.62% -5.85%
New Jersey $1,618 $1,523 $1,443 $1,670 $1,707 $1,588 $1,665 $1,712 $1,592 $1,502 $1,459 -7.17% -5.81%
New Mexico $1,395 $1,441 $866 $1,054 $1,120 $1,339 $1,365 $1,396 $1,334 $1,274 $1,375 -8.71% -6.18%
New York $1,753 $1,624 $1,353 $1,401 $1,471 $1,697 $1,577 $1,749 $1,704 $1,693 $1,600 -3.43% -3.17%
North Carolina $707 $666 $670 $724 $752 $802 $901 $968 $955 $1,011 $1,067 43.02% 0.79%
North Dakota $1,239 $1,328 $1,407 $1,303 $1,323 $1,394 $1,274 $1,357 $1,379 $1,322 $1,317 6.76% -6.80%
Ohio $824 $824 $809 $881 $818 $935 $1,032 $1,052 $1,047 $926 $1,028 12.29% -9.58%
Oklahoma $1,939 $1,585 $1,501 $1,663 $1,960 $1,502 $1,559 $1,586 $1,787 $1,546 $1,592 -20.28% -10.51%
Oregon $978 $902 $1,004 $1,152 $1,179 $1,318 $1,275 $1,435 $1,463 $1,332 $1,325 36.10% -7.59%
Pennsylvania $1,022 $1,222 $1,014 $1,061 $1,095 $1,183 $1,392 $1,480 $1,475 $1,338 $1,266 30.94% -9.47%
Rhode Island $1,368 $1,538 $1,442 $1,537 $1,629 $1,985 $2,007 $2,220 $2,103 $1,873 $2,106 36.96% -10.51%
South Carolina $1,168 $1,173 $1,044 $1,115 $1,224 $1,276 $1,411 $1,414 $1,414 $1,466 $1,572 25.51% 3.86%
South Dakota $1,116 $1,190 $1,042 $1,069 $1,141 $1,615 $1,283 $1,401 $1,708 $1,440 $1,578 29.06% -17.25%
Tennessee $957 $895 $904 $959 $1,096 $1,172 $1,316 $1,506 $1,570 $1,258 $1,262 31.48% -5.73%
Texas $1,254 $1,577 $1,514 $1,669 $1,885 $1,562 $1,796 $1,780 $1,415 $1,498 $1,584 19.49% 5.59%
Utah $864 $815 $796 $901 $992 $985 $1,125 $1,187 $1,306 $1,313 $1,386 52.05% 3.32%
Vermont $961 $1,057 $831 $893 $1,076 $916 $1,010 $1,103 $1,156 $1,056 $1,158 9.96% -8.08%
Virginia $900 $882 $877 $929 $956 $829 $913 $963 $1,005 $1,026 $1,067 14.05% 2.32%
Washington $1,068 $1,136 $1,138 $1,128 $1,156 $1,115 $1,199 $1,256 $1,368 $1,209 $1,224 13.16% -11.16%
West Virginia $1,420 $1,470 $1,451 $1,365 $1,366 $1,450 $1,390 $1,528 $1,536 $1,429 $1,498 0.64% -6.10%
Wisconsin $796 $950 $937 $999 $1,056 $1,114 $1,036 $1,113 $1,181 $1,080 $1,202 35.63% -7.32%
Wyoming $948 $910 $903 $1,113 $1,144 $1,248 $1,340 $1,391 $1,439 $1,460 $1,548 54.02% 1.48%

| THE STATE OF AUTO INSURANCE 2022 44

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