Compare Rates and Save on Auto Insurance

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Why Does My Car Insurance Keep Going Up?


Compare Rates and Save on Car Insurance

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Updated: Nov 13, 2023
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Many factors influence car insurance rates, some of which you can control, like your driving record and credit score, and others you can't, such as state laws and your ZIP code. These rates are often reviewed when it's time to renew your policy.

If you notice an increase, you can talk to your insurer or even switch companies. You can also save by bundling policies, requesting discounts, or choosing a higher deductible.

Table of Contents
Key Takeaways

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Car insurance rates are influenced by various factors, both within and outside your control. These include your driving record, age and even your ZIP code.

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Insurance companies reassess your risk level during policy renewal, checking for any changes in your driving behavior, credit score, and other factors. This is when you'll often see a change in your rates.

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There are multiple strategies to save on car insurance, such as bundling insurance policies, increasing your deductible and maintaining a good driving record.

Why Car Insurance Rates Go Up

It's common to see a change in your car insurance rates when it's time for policy renewal.

Your insurer takes this opportunity to reassess your risk level by checking various records. They consult with the Department of Motor Vehicles (DMV) to see if you've had any lapses in insurance, received any tickets, or committed any moving violations. Additionally, your insurer will check your credit score; a decline since your last assessment could result in higher premiums.

While some factors are out of your control, like state laws, you can still work on maintaining a good driving record or improving your credit score to lower your future premiums.

Why Car Insurance Rates Go Up

fairCredit icon
Reasons you can control:
  • Your driving behavior
  • Where you live
  • Drivers on your policy
  • The vehicle you drive
  • You credit score
  • A change in marital status
noCredit icon
Reasons you cannot control:
  • Accidents and violations in your area
  • Claims in your area
  • Loss of discounts
  • Your age
  • Your gender

Your Driving Record

Your driving record is like a report card of your behavior on the road. It keeps track of any tickets you've received, accidents you've been involved in, and other traffic violations. The more points you accumulate on this record, the higher your insurance rates will likely be.

The average cost of car insurance spikes depending on the severity of your violation:

  • With a speeding ticket: Your annual rates increase by 24.7% or $260 on average.
  • After an accident: Your annual rates go up by 46.2% or $487 on average.
  • With a DUI: Your annual rates soar by 76.6% or $808 on average.

For instance, in the table below, a person aged 30 to 59 with a clean driving record would have an annual premium of $1,054, while a person with a speeding ticket would have a premium of $1,314 ($260 higher).

Driving Record
Annual Premium
Monthly Premium

Clean

$489

$41

Clean

$496

$41

Clean

$591

$49

Speeding Ticket

$607

$51

Speeding Ticket

$627

$52

Accident

$718

$60

Speeding Ticket

$719

$60

Accident

$752

$63

Accident

$844

$70

DUI

$867

$72

DUI

$895

$75

Clean

$1,020

$85

DUI

$1,024

$85

Clean

$1,054

$88

Speeding Ticket

$1,294

$108

Clean

$1,302

$109

Speeding Ticket

$1,314

$110

Accident

$1,541

$128

Accident

$1,541

$128

Speeding Ticket

$1,588

$132

DUI

$1,842

$154

Accident

$1,848

$154

DUI

$1,862

$155

DUI

$2,235

$186

Browse the table below to find out how a violation affects rates in your state.

Please note that the data below is based on a 40-year-old male driver.

Driving Record
Annual Premium
Monthly Premium

At-Fault Accident

$1,179

$98

At-Fault Accident

$1,368

$114

At-Fault Accident

$468

$39

At-Fault Accident

$1,284

$107

At-Fault Accident

$1,018

$85

At-Fault Accident

$555

$46

At-Fault Accident

$1,076

$90

At-Fault Accident

$2,205

$184

At-Fault Accident

$796

$66

At-Fault Accident

$1,883

$157

At-Fault Accident

$1,445

$120

At-Fault Accident

$1,325

$110

At-Fault Accident

$579

$48

At-Fault Accident

$690

$57

At-Fault Accident

$337

$28

At-Fault Accident

$1,281

$107

At-Fault Accident

$2,479

$207

At-Fault Accident

$745

$62

At-Fault Accident

$1,751

$146

At-Fault Accident

$979

$82

At-Fault Accident

$888

$74

At-Fault Accident

$1,518

$127

At-Fault Accident

$1,454

$121

At-Fault Accident

$1,041

$87

At-Fault Accident

$1,074

$89

At-Fault Accident

$2,174

$181

At-Fault Accident

$1,160

$97

At-Fault Accident

$710

$59

At-Fault Accident

$660

$55

At-Fault Accident

$624

$52

At-Fault Accident

$1,530

$127

At-Fault Accident

$615

$51

At-Fault Accident

$692

$58

At-Fault Accident

$1,037

$86

At-Fault Accident

$780

$65

At-Fault Accident

$787

$66

At-Fault Accident

$845

$70

At-Fault Accident

$1,726

$144

At-Fault Accident

$2,048

$171

At-Fault Accident

$534

$45

At-Fault Accident

$671

$56

At-Fault Accident

$1,176

$98

At-Fault Accident

$1,305

$109

At-Fault Accident

$1,385

$115

At-Fault Accident

$577

$48

At-Fault Accident

$611

$51

At-Fault Accident

$1,686

$140

At-Fault Accident

$1,422

$119

At-Fault Accident

$1,530

$128

At-Fault Accident

$516

$43

At-Fault Accident

$1,415

$118

At-Fault Accident

$1,550

$129

At-Fault Accident

$697

$58

At-Fault Accident

$552

$46

At-Fault Accident

$1,479

$123

At-Fault Accident

$1,584

$132

At-Fault Accident

$1,234

$103

At-Fault Accident

$1,164

$97

At-Fault Accident

$514

$43

At-Fault Accident

$424

$35

At-Fault Accident

$1,166

$97

At-Fault Accident

$812

$68

At-Fault Accident

$566

$47

At-Fault Accident

$1,693

$141

At-Fault Accident

$2,706

$225

At-Fault Accident

$2,284

$190

At-Fault Accident

$857

$71

At-Fault Accident

$891

$74

At-Fault Accident

$1,522

$127

At-Fault Accident

$631

$53

At-Fault Accident

$616

$51

At-Fault Accident

$359

$30

At-Fault Accident

$2,387

$199

At-Fault Accident

$2,735

$228

At-Fault Accident

$573

$48

At-Fault Accident

$407

$34

At-Fault Accident

$584

$49

At-Fault Accident

$1,204

$100

At-Fault Accident

$1,187

$99

At-Fault Accident

$2,572

$214

At-Fault Accident

$393

$33

At-Fault Accident

$1,409

$117

At-Fault Accident

$1,623

$135

At-Fault Accident

$2,277

$190

At-Fault Accident

$1,250

$104

At-Fault Accident

$1,314

$109

At-Fault Accident

$734

$61

At-Fault Accident

$1,926

$160

At-Fault Accident

$429

$36

At-Fault Accident

$1,359

$113

At-Fault Accident

$943

$79

At-Fault Accident

$1,473

$123

At-Fault Accident

$1,159

$97

At-Fault Accident

$592

$49

At-Fault Accident

$1,024

$85

At-Fault Accident

$1,463

$122

At-Fault Accident

$942

$79

At-Fault Accident

$1,440

$120

At-Fault Accident

$1,531

$128

At-Fault Accident

$1,373

$114

At-Fault Accident

$1,488

$124

At-Fault Accident

$561

$47

Clean

$846

$70

Clean

$1,343

$112

Clean

$393

$33

Clean

$533

$44

Clean

$1,188

$99

Clean

$949

$79

Clean

$249

$21

Clean

$985

$82

Clean

$392

$33

Clean

$1,078

$90

Clean

$1,303

$109

Clean

$773

$64

Clean

$722

$60

Clean

$714

$60

Clean

$817

$68

Clean

$560

$47

Clean

$341

$28

Clean

$447

$37

Clean

$506

$42

Clean

$928

$77

Clean

$1,297

$108

Clean

$881

$73

Clean

$854

$71

Clean

$368

$31

Clean

$939

$78

Clean

$1,107

$92

Clean

$344

$29

Clean

$444

$37

Clean

$679

$57

Clean

$629

$52

Clean

$596

$50

Clean

$431

$36

Clean

$1,128

$94

Clean

$474

$40

Clean

$1,091

$91

Clean

$384

$32

Clean

$804

$67

Clean

$742

$62

Clean

$915

$76

Clean

$1,056

$88

Clean

$972

$81

Clean

$1,493

$124

Clean

$950

$79

Clean

$359

$30

Clean

$477

$40

Clean

$950

$79

Clean

$1,534

$128

Clean

$661

$55

Clean

$1,183

$99

Clean

$816

$68

Clean

$1,024

$85

Clean

$1,773

$148

Clean

$651

$54

Clean

$1,492

$124

Clean

$1,014

$85

Clean

$917

$76

Clean

$380

$32

Clean

$565

$47

Clean

$295

$25

Clean

$430

$36

Clean

$664

$55

Clean

$387

$32

Clean

$922

$77

Clean

$242

$20

Clean

$934

$78

Clean

$1,305

$109

Clean

$517

$43

Clean

$634

$53

Clean

$791

$66

Clean

$1,049

$87

Clean

$797

$66

Clean

$1,131

$94

Clean

$577

$48

Clean

$951

$79

Clean

$379

$32

Clean

$1,628

$136

Clean

$387

$32

Clean

$443

$37

Clean

$852

$71

Clean

$942

$78

Clean

$364

$30

Clean

$2,043

$170

Clean

$1,640

$137

Clean

$873

$73

Clean

$463

$39

Clean

$1,035

$86

Clean

$311

$26

Clean

$551

$46

Clean

$849

$71

Clean

$340

$28

Clean

$295

$25

Clean

$932

$78

Clean

$265

$22

Clean

$1,039

$87

Clean

$405

$34

Clean

$444

$37

Clean

$345

$29

Clean

$286

$24

Clean

$1,005

$84

Clean

$363

$30

Clean

$907

$76

Clean

$575

$48

DUI

$511

$43

DUI

$1,660

$138

DUI

$785

$65

DUI

$630

$52

DUI

$1,103

$92

DUI

$572

$48

DUI

$442

$37

DUI

$755

$63

DUI

$855

$71

DUI

$3,128

$261

DUI

$2,755

$230

DUI

$1,917

$160

DUI

$1,658

$138

DUI

$1,884

$157

DUI

$881

$73

DUI

$1,813

$151

DUI

$2,173

$181

DUI

$969

$81

DUI

$1,747

$146

DUI

$1,036

$86

DUI

$686

$57

DUI

$503

$42

DUI

$618

$52

DUI

$836

$70

DUI

$583

$49

DUI

$1,228

$102

DUI

$2,348

$196

DUI

$619

$52

DUI

$1,589

$132

DUI

$1,171

$98

DUI

$1,521

$127

DUI

$705

$59

DUI

$1,906

$159

DUI

$1,397

$116

DUI

$618

$52

DUI

$1,666

$139

DUI

$512

$43

DUI

$1,031

$86

DUI

$488

$41

DUI

$2,117

$176

DUI

$1,336

$111

DUI

$1,218

$102

DUI

$1,451

$121

DUI

$1,631

$136

DUI

$1,377

$115

DUI

$1,760

$147

DUI

$704

$59

DUI

$1,059

$88

DUI

$1,917

$160

DUI

$445

$37

DUI

$1,588

$132

DUI

$1,420

$118

DUI

$1,367

$114

DUI

$1,719

$143

DUI

$1,790

$149

DUI

$540

$45

DUI

$592

$49

DUI

$870

$73

DUI

$667

$56

DUI

$1,378

$115

DUI

$1,737

$145

DUI

$795

$66

DUI

$1,371

$114

DUI

$936

$78

DUI

$642

$54

DUI

$3,344

$279

DUI

$875

$73

DUI

$1,606

$134

DUI

$1,827

$152

DUI

$1,660

$138

DUI

$855

$71

DUI

$4,286

$357

DUI

$1,475

$123

DUI

$1,329

$111

DUI

$646

$54

DUI

$1,293

$108

DUI

$2,353

$196

DUI

$1,289

$107

DUI

$573

$48

DUI

$2,487

$207

DUI

$1,099

$92

DUI

$2,346

$196

DUI

$3,143

$262

DUI

$2,248

$187

DUI

$1,729

$144

DUI

$1,362

$114

DUI

$773

$64

DUI

$2,619

$218

DUI

$1,732

$144

DUI

$1,775

$148

DUI

$841

$70

DUI

$1,440

$120

DUI

$2,066

$172

DUI

$1,425

$119

DUI

$1,092

$91

DUI

$1,612

$134

DUI

$739

$62

DUI

$3,375

$281

DUI

$1,936

$161

DUI

$4,402

$367

DUI

$904

$75

DUI

$1,228

$102

Ticket

$575

$48

Ticket

$352

$29

Ticket

$1,330

$111

Ticket

$1,315

$110

Ticket

$1,259

$105

Ticket

$787

$66

Ticket

$478

$40

Ticket

$610

$51

Ticket

$587

$49

Ticket

$478

$40

Ticket

$488

$41

Ticket

$809

$67

Ticket

$1,114

$93

Ticket

$1,647

$137

Ticket

$1,232

$103

Ticket

$1,195

$100

Ticket

$506

$42

Ticket

$633

$53

Ticket

$2,012

$168

Ticket

$1,437

$120

Ticket

$430

$36

Ticket

$887

$74

Ticket

$1,064

$89

Ticket

$970

$81

Ticket

$1,183

$99

Ticket

$445

$37

Ticket

$1,208

$101

Ticket

$670

$56

Ticket

$739

$62

Ticket

$1,379

$115

Ticket

$828

$69

Ticket

$510

$42

Ticket

$1,168

$97

Ticket

$1,306

$109

Ticket

$1,313

$109

Ticket

$503

$42

Ticket

$467

$39

Ticket

$899

$75

Ticket

$655

$55

Ticket

$1,232

$103

Ticket

$2,312

$193

Ticket

$1,613

$134

Ticket

$969

$81

Ticket

$1,907

$159

Ticket

$1,358

$113

Ticket

$1,019

$85

Ticket

$1,129

$94

Ticket

$860

$72

Ticket

$1,074

$89

Ticket

$779

$65

Ticket

$882

$73

Ticket

$1,314

$110

Ticket

$563

$47

Ticket

$1,404

$117

Ticket

$424

$35

Ticket

$1,133

$94

Ticket

$2,083

$174

Ticket

$984

$82

Ticket

$548

$46

Ticket

$818

$68

Ticket

$332

$28

Ticket

$1,308

$109

Ticket

$1,326

$111

Ticket

$513

$43

Ticket

$1,203

$100

Ticket

$368

$31

Ticket

$612

$51

Ticket

$481

$40

Ticket

$534

$45

Ticket

$1,250

$104

Ticket

$738

$62

Ticket

$318

$27

Ticket

$665

$55

Ticket

$1,180

$98

Ticket

$477

$40

Ticket

$649

$54

Ticket

$1,184

$99

Ticket

$556

$46

Ticket

$2,373

$198

Ticket

$1,044

$87

Ticket

$1,431

$119

Ticket

$1,645

$137

Ticket

$457

$38

Ticket

$1,157

$96

Ticket

$1,944

$162

Ticket

$431

$36

Ticket

$354

$30

Ticket

$1,327

$111

Ticket

$327

$27

Ticket

$1,406

$117

Ticket

$2,475

$206

Ticket

$1,323

$110

Ticket

$1,039

$87

Ticket

$986

$82

Ticket

$826

$69

Ticket

$979

$82

Ticket

$368

$31

Ticket

$1,497

$125

Ticket

$1,198

$100

Ticket

$814

$68

Ticket

$639

$53

Ticket

$2,011

$168

Your Address

The cost of car insurance can differ significantly from state to state due to factors like population density, minimum insurance requirements, and the typical cost of car repairs, as well as weather-related risks such as hurricanes or hail.

The average cost of car insurance in New York can vary by borough, depending on where you park your car overnight.

View the table below to see the annual and monthly premiums for each state.

State
Annual Premium
Monthly Premium

Alabama

$1,100

$92

Alabama

$820

$68

Alabama

$365

$30

Alabama

$371

$31

Alabama

$859

$72

Alabama

$454

$38

Alaska

$426

$36

Alaska

$459

$38

Alaska

$899

$75

Alaska

$501

$42

Alaska

$892

$74

Alaska

$1,080

$90

Arizona

$1,096

$91

Arizona

$662

$55

Arizona

$1,067

$89

Arizona

$522

$44

Arizona

$530

$44

Arizona

$1,413

$118

Arkansas

$382

$32

Arkansas

$931

$78

Arkansas

$847

$71

Arkansas

$471

$39

Arkansas

$366

$30

Arkansas

$1,138

$95

California

$1,378

$115

California

$1,730

$144

California

$738

$61

California

$592

$49

California

$1,339

$112

California

$599

$50

Colorado

$443

$37

Colorado

$565

$47

Colorado

$1,281

$107

Colorado

$467

$39

Colorado

$984

$82

Colorado

$998

$83

Connecticut

$1,345

$112

Connecticut

$915

$76

Connecticut

$1,390

$116

Connecticut

$703

$59

Connecticut

$1,730

$144

Connecticut

$751

$63

Delaware

$2,067

$172

Delaware

$1,017

$85

Delaware

$1,600

$133

Delaware

$1,708

$142

Delaware

$965

$80

Delaware

$1,164

$97

District of Columbia

$1,480

$123

District of Columbia

$560

$47

District of Columbia

$1,182

$99

District of Columbia

$1,208

$101

District of Columbia

$654

$54

District of Columbia

$552

$46

Florida

$1,601

$133

Florida

$1,627

$136

Florida

$783

$65

Florida

$2,006

$167

Florida

$803

$67

Florida

$931

$78

Georgia

$909

$76

Georgia

$1,267

$106

Georgia

$459

$38

Georgia

$589

$49

Georgia

$449

$37

Georgia

$933

$78

Hawaii

$816

$68

Hawaii

$363

$30

Hawaii

$363

$30

Hawaii

$816

$68

Hawaii

$816

$68

Hawaii

$363

$30

Idaho

$381

$32

Idaho

$640

$53

Idaho

$303

$25

Idaho

$308

$26

Idaho

$661

$55

Idaho

$839

$70

Illinois

$468

$39

Illinois

$924

$77

Illinois

$390

$32

Illinois

$1,136

$95

Illinois

$389

$32

Illinois

$869

$72

Indiana

$361

$30

Indiana

$354

$30

Indiana

$733

$61

Indiana

$697

$58

Indiana

$892

$74

Indiana

$416

$35

Iowa

$794

$66

Iowa

$256

$21

Iowa

$253

$21

Iowa

$718

$60

Iowa

$1,011

$84

Iowa

$321

$27

Kansas

$503

$42

Kansas

$1,273

$106

Kansas

$965

$80

Kansas

$417

$35

Kansas

$1,048

$87

Kansas

$419

$35

Kentucky

$569

$47

Kentucky

$493

$41

Kentucky

$486

$41

Kentucky

$965

$80

Kentucky

$1,221

$102

Kentucky

$1,009

$84

Louisiana

$803

$67

Louisiana

$1,677

$140

Louisiana

$1,477

$123

Louisiana

$712

$59

Louisiana

$588

$49

Louisiana

$1,943

$162

Maine

$711

$59

Maine

$460

$38

Maine

$956

$80

Maine

$723

$60

Maine

$358

$30

Maine

$354

$29

Maryland

$770

$64

Maryland

$1,281

$107

Maryland

$777

$65

Maryland

$674

$56

Maryland

$1,377

$115

Maryland

$1,159

$97

Massachusetts

$857

$71

Massachusetts

$367

$31

Massachusetts

$1,049

$87

Massachusetts

$504

$42

Massachusetts

$456

$38

Massachusetts

$1,196

$100

Michigan

$1,786

$149

Michigan

$2,043

$170

Michigan

$919

$77

Michigan

$1,679

$140

Michigan

$1,018

$85

Michigan

$935

$78

Minnesota

$580

$48

Minnesota

$471

$39

Minnesota

$486

$40

Minnesota

$1,307

$109

Minnesota

$971

$81

Minnesota

$1,059

$88

Mississippi

$515

$43

Mississippi

$393

$33

Mississippi

$410

$34

Mississippi

$848

$71

Mississippi

$1,180

$98

Mississippi

$939

$78

Missouri

$1,670

$139

Missouri

$1,248

$104

Missouri

$1,334

$111

Missouri

$726

$60

Missouri

$594

$50

Missouri

$582

$48

Montana

$318

$26

Montana

$961

$80

Montana

$888

$74

Montana

$1,140

$95

Montana

$310

$26

Montana

$366

$31

Nebraska

$911

$76

Nebraska

$1,249

$104

Nebraska

$377

$31

Nebraska

$371

$31

Nebraska

$980

$82

Nebraska

$478

$40

Nevada

$1,591

$133

Nevada

$891

$74

Nevada

$1,557

$130

Nevada

$1,003

$84

Nevada

$838

$70

Nevada

$1,926

$160

New Hampshire

$759

$63

New Hampshire

$534

$45

New Hampshire

$942

$79

New Hampshire

$459

$38

New Hampshire

$1,649

$137

New Hampshire

$1,075

$90

New Jersey

$807

$67

New Jersey

$1,491

$124

New Jersey

$874

$73

New Jersey

$1,677

$140

New Jersey

$1,452

$121

New Jersey

$828

$69

New Mexico

$411

$34

New Mexico

$1,174

$98

New Mexico

$425

$35

New Mexico

$974

$81

New Mexico

$959

$80

New Mexico

$486

$40

New York

$2,078

$173

New York

$2,151

$179

New York

$1,170

$97

New York

$1,232

$103

New York

$1,338

$111

New York

$2,431

$203

North Carolina

$863

$72

North Carolina

$460

$38

North Carolina

$941

$78

North Carolina

$871

$73

North Carolina

$431

$36

North Carolina

$428

$36

North Dakota

$785

$65

North Dakota

$319

$27

North Dakota

$711

$59

North Dakota

$944

$79

North Dakota

$328

$27

North Dakota

$372

$31

Ohio

$484

$40

Ohio

$762

$63

Ohio

$737

$61

Ohio

$360

$30

Ohio

$401

$33

Ohio

$997

$83

Oklahoma

$944

$79

Oklahoma

$906

$75

Oklahoma

$492

$41

Oklahoma

$379

$32

Oklahoma

$391

$33

Oklahoma

$1,215

$101

Oregon

$711

$59

Oregon

$1,121

$93

Oregon

$642

$54

Oregon

$1,295

$108

Oregon

$649

$54

Oregon

$1,098

$92

Pennsylvania

$463

$39

Pennsylvania

$925

$77

Pennsylvania

$1,261

$105

Pennsylvania

$385

$32

Pennsylvania

$366

$30

Pennsylvania

$1,023

$85

Rhode Island

$678

$56

Rhode Island

$1,227

$102

Rhode Island

$1,312

$109

Rhode Island

$609

$51

Rhode Island

$1,128

$94

Rhode Island

$696

$58

South Carolina

$1,286

$107

South Carolina

$646

$54

South Carolina

$1,200

$100

South Carolina

$827

$69

South Carolina

$664

$55

South Carolina

$1,572

$131

South Dakota

$366

$30

South Dakota

$957

$80

South Dakota

$294

$24

South Dakota

$1,198

$100

South Dakota

$864

$72

South Dakota

$289

$24

Tennessee

$345

$29

Tennessee

$807

$67

Tennessee

$436

$36

Tennessee

$1,086

$90

Tennessee

$360

$30

Tennessee

$852

$71

Texas

$1,198

$100

Texas

$1,152

$96

Texas

$1,559

$130

Texas

$572

$48

Texas

$737

$61

Texas

$562

$47

Utah

$965

$80

Utah

$549

$46

Utah

$966

$81

Utah

$1,190

$99

Utah

$642

$53

Utah

$530

$44

Vermont

$876

$73

Vermont

$677

$56

Vermont

$653

$54

Vermont

$356

$30

Vermont

$277

$23

Vermont

$272

$23

Virginia

$963

$80

Virginia

$552

$46

Virginia

$1,204

$100

Virginia

$473

$39

Virginia

$955

$80

Virginia

$455

$38

Washington

$616

$51

Washington

$1,407

$117

Washington

$1,071

$89

Washington

$761

$63

Washington

$584

$49

Washington

$1,070

$89

West Virginia

$467

$39

West Virginia

$474

$39

West Virginia

$1,051

$88

West Virginia

$545

$45

West Virginia

$1,011

$84

West Virginia

$1,270

$106

Wisconsin

$499

$42

Wisconsin

$1,207

$101

Wisconsin

$906

$75

Wisconsin

$378

$32

Wisconsin

$397

$33

Wisconsin

$893

$74

Wyoming

$1,002

$84

Wyoming

$868

$72

Wyoming

$288

$24

Wyoming

$266

$22

Wyoming

$876

$73

Wyoming

$264

$22

mglogo icon
WHY YOUR INSURANCE WENT UP WHEN YOU MOVED

Insurance rates can differ significantly from one state to another, and much of this variation depends on the insurer. A provider offering the cheapest rates in one state could be the most expensive option in another. Each state also has its own set of insurance requirements. For instance, carrying car insurance isn't even a legal necessity in New Hampshire and Virginia, .

Adding a Driver to Your Policy

Insurance companies evaluate the risk of covering you and anyone else you add to your policy. This generally includes all household members who could potentially drive your car.

If your household includes a teen driver or someone considered high-risk, adding them to your policy will likely cause your rates to increase. However, if there's someone you don't want driving your car, you can talk to your insurance company about listing them as an "excluded driver." This means your policy won't cover them, and it won't affect your rates.

Despite the initial sticker shock of adding a teen driver to your family policy, it's usually the cheapest way to get them insured, as indicated in the table below. As your teen gains more experience and maintains a clean driving record, you can generally expect their insurance rates to decrease over time.

To ensure you're getting the best deal, shopping around for insurance every year is a good idea. Look for companies that offer the cheapest car insurance for teen drivers; doing so can result in significant savings.

Age
Family Policy
Individual Policy
Increase in Cost

16

$3,249

$5,870

45%

16

$798

$1,471

46%

17

$3,183

$4,917

35%

17

$775

$1,212

36%

18

$2,794

$4,260

34%

18

$670

$1,034

35%

19

$2,441

$2,995

18%

19

$582

$720

19%

20

$2,508

$2,693

7%

20

$591

$638

7%

21

$2,033

$2,171

6%

21

$474

$509

7%

22

$1,962

$1,995

2%

22

$458

$466

2%

23

$2,025

$1,844

-10%

23

$471

$428

-10%

24

$1,913

$1,743

-10%

24

$444

$404

-10%

25

$1,715

$1,555

-10%

25

$397

$360

-10%

Your Vehicle

Auto insurance companies also consider the type of vehicle you drive. The make and build of your car can change your premiums. Adding or switching to a new car can also increase your insurance rate because certain models, such as those with rare parts, are more expensive to insure.

Make/Model
Annual Premium
Cost Bucket

Chevrolet Corvette

$449

Cheap to insure

MINI Cooper

$471

Cheap to insure

MINI Electric

$496

Cheap to insure

Subaru Outback

$498

Cheap to insure

Subaru Forester

$511

Cheap to insure

Nissan 370Z

$519

Cheap to insure

Ford Mustang

$522

Cheap to insure

Ford Mustang Mach E

$523

Cheap to insure

Chevrolet Camaro SS

$524

Cheap to insure

Honda Odyssey

$524

Cheap to insure

Nissan GT-R

$527

Cheap to insure

BMW 4 Series

$529

Cheap to insure

Mercedes C-Class

$529

Cheap to insure

Subaru Legacy

$531

Cheap to insure

BMW 1 Series

$534

Cheap to insure

Mazda CX-5

$534

Cheap to insure

Toyota Sienna

$534

Cheap to insure

Chevrolet Camaro ZL1

$536

Cheap to insure

VW ID.4

$539

Cheap to insure

Volvo XC40

$539

Cheap to insure

Nissan 350Z

$540

Cheap to insure

Subaru Impreza

$541

Cheap to insure

Audi A3

$541

Cheap to insure

Honda Fit

$542

Cheap to insure

Subaru WRX

$542

Cheap to insure

Hyundai Kona

$543

Cheap to insure

Honda Passport

$544

Cheap to insure

Honda Pilot

$545

Cheap to insure

Honda CR-V

$545

Cheap to insure

Nissan LEAF

$548

Cheap to insure

VW Beetle

$549

Cheap to insure

Toyota Prius

$549

Cheap to insure

Kia Niro

$549

Moderate

BMW I3

$549

Moderate

Ford Mustang Ecoboost

$550

Moderate

Mercedes AMG C 63

$550

Moderate

VW Golf

$550

Moderate

Audi Q5

$550

Moderate

Tesla Model 3

$554

Moderate

Chevy Equinox

$555

Moderate

Subaru BRZ

$556

Moderate

Mercedes CLA 250

$556

Moderate

Honda Ridgeline

$557

Moderate

VW Tiguan

$558

Moderate

Honda Insight

$558

Moderate

Mercedes GLA 250

$559

Moderate

Toyota Tacoma

$559

Moderate

Toyota Highlander

$560

Moderate

Ford Escape

$561

Moderate

Honda HR-V

$561

Moderate

Acura MDX

$562

Moderate

Kia Soul

$562

Moderate

Jeep Gladiator

$562

Moderate

Toyota RAV4

$565

Moderate

Dodge Grand Caravan

$566

Moderate

Kia Soul EV

$566

Moderate

Dodge Challenger SRT Hellcat

$567

Moderate

VW Passat

$569

Moderate

BMW X3

$569

Moderate

Chevrolet Camaro

$570

Moderate

Tesla Model Y

$570

Moderate

Audi Q7

$571

Moderate

Ford Expedition

$571

Moderate

Kia Stinger

$572

Moderate

Honda Accord

$572

Moderate

Ford F-150

$573

Moderate

Toyota Camry

$573

Moderate

Audi A4

$573

Moderate

BMW 5 Series

$574

Moderate

Ford Explorer

$575

Moderate

Audi E Tron

$575

Moderate

Chevy Bolt

$577

Moderate

Nissan Maxima

$577

Moderate

Ford Taurus

$580

Moderate

BMW 3 Series

$580

Moderate

BMW X5

$582

Moderate

Nissan Rogue

$582

Moderate

Toyota Tundra

$584

Moderate

Dodge Journey

$585

Moderate

Nissan Frontier

$585

Moderate

Chevy Tahoe

$585

Moderate

Jeep Wrangler

$587

Moderate

Mazda3

$589

Moderate

Chevy Silverado

$589

Moderate

Nissan Pathfinder

$594

Moderate

Nissan Versa

$595

Moderate

VW Jetta

$596

Moderate

Toyota Corolla

$598

Moderate

Hyundai Ioniq

$598

Moderate

Toyota 86

$599

Moderate

Honda Civic

$600

Moderate

Dodge Challenger R/T

$602

Moderate

Chevy Malibu

$604

Expensive to insure

Hyundai Elantra

$605

Expensive to insure

Nissan Altima

$608

Expensive to insure

Ford Focus

$609

Expensive to insure

Ram Rebel

$610

Expensive to insure

Nissan Juke

$612

Expensive to insure

Jeep Cherokee

$615

Expensive to insure

Jeep Grand Cherokee

$618

Expensive to insure

Nissan Sentra

$622

Expensive to insure

Jeep Patriot

$625

Expensive to insure

Ram 2500

$626

Expensive to insure

Chevrolet Cruze

$633

Expensive to insure

Dodge Challenger

$642

Expensive to insure

Dodge Charger

$644

Expensive to insure

BMW X7

$648

Expensive to insure

BMW i8

$706

Expensive to insure

Audi R8

$711

Expensive to insure

Tesla Model S

$714

Expensive to insure

BMW 7 Series

$715

Expensive to insure

Porsche Taycan

$751

Expensive to insure

Tesla Model X

$814

Expensive to insure

Subaru Outback

$1,203

Cheap to insure

Honda CR-V

$1,249

Cheap to insure

Honda Fit

$1,251

Cheap to insure

Honda Odyssey

$1,252

Cheap to insure

MINI Cooper

$1,254

Cheap to insure

Subaru Forester

$1,261

Cheap to insure

Jeep Wrangler

$1,267

Cheap to insure

Ford F-150

$1,280

Cheap to insure

Ford Escape

$1,287

Cheap to insure

Jeep Patriot

$1,288

Cheap to insure

Toyota Tacoma

$1,293

Cheap to insure

Dodge Grand Caravan

$1,295

Cheap to insure

Mazda CX-5

$1,322

Cheap to insure

VW Tiguan

$1,323

Cheap to insure

Toyota Highlander

$1,324

Cheap to insure

Toyota Sienna

$1,326

Cheap to insure

Chevy Equinox

$1,334

Cheap to insure

Toyota RAV4

$1,334

Cheap to insure

Kia Soul

$1,338

Cheap to insure

Chevy Silverado

$1,340

Cheap to insure

Honda Pilot

$1,343

Cheap to insure

Honda HR-V

$1,354

Cheap to insure

Ford Explorer

$1,355

Cheap to insure

Dodge Journey

$1,358

Cheap to insure

VW Beetle

$1,376

Cheap to insure

Nissan Rogue

$1,380

Cheap to insure

Ford Focus

$1,384

Cheap to insure

Nissan 350Z

$1,386

Cheap to insure

Subaru Legacy

$1,387

Cheap to insure

Subaru Impreza

$1,388

Cheap to insure

Ford Taurus

$1,389

Cheap to insure

Nissan Frontier

$1,401

Moderate

Toyota Prius

$1,401

Moderate

Honda Ridgeline

$1,402

Moderate

Chevy Tahoe

$1,406

Moderate

Acura MDX

$1,408

Moderate

Honda Accord

$1,417

Moderate

MINI Electric

$1,417

Moderate

Jeep Grand Cherokee

$1,418

Moderate

Nissan Juke

$1,423

Moderate

Nissan Versa

$1,423

Moderate

Mazda3

$1,424

Moderate

Honda Insight

$1,431

Moderate

VW Passat

$1,431

Moderate

Jeep Cherokee

$1,433

Moderate

Toyota Camry

$1,434

Moderate

Nissan Pathfinder

$1,435

Moderate

Toyota Tundra

$1,438

Moderate

Nissan LEAF

$1,444

Moderate

Honda Passport

$1,452

Moderate

Toyota Corolla

$1,453

Moderate

Chevrolet Cruze

$1,455

Moderate

VW Golf

$1,455

Moderate

Hyundai Elantra

$1,457

Moderate

Ford Expedition

$1,464

Moderate

Kia Soul EV

$1,471

Moderate

VW Jetta

$1,481

Moderate

Honda Civic

$1,482

Moderate

Chevy Malibu

$1,490

Moderate

Nissan Sentra

$1,491

Moderate

Hyundai Kona

$1,492

Moderate

Kia Niro

$1,518

Moderate

Ram 2500

$1,524

Moderate

BMW X3

$1,535

Moderate

Chevrolet Camaro

$1,538

Moderate

Audi A3

$1,542

Moderate

Jeep Gladiator

$1,544

Moderate

Subaru WRX

$1,549

Moderate

Nissan Altima

$1,551

Moderate

Audi Q5

$1,566

Moderate

Chevy Bolt

$1,584

Moderate

Mercedes GLA 250

$1,586

Moderate

Chevrolet Camaro SS

$1,587

Moderate

Ford Mustang

$1,587

Moderate

Nissan 370Z

$1,597

Moderate

Ford Mustang Mach E

$1,603

Moderate

Volvo XC40

$1,627

Moderate

Ram Rebel

$1,636

Moderate

Ford Mustang Ecoboost

$1,669

Moderate

Nissan Maxima

$1,676

Moderate

Dodge Charger

$1,677

Moderate

VW ID.4

$1,682

Moderate

Audi Q7

$1,690

Moderate

Subaru BRZ

$1,701

Moderate

Dodge Challenger R/T

$1,707

Moderate

BMW 3 Series

$1,708

Moderate

BMW 1 Series

$1,725

Moderate

BMW I3

$1,729

Moderate

Audi A4

$1,729

Moderate

Hyundai Ioniq

$1,729

Moderate

Mercedes C-Class

$1,749

Moderate

Mercedes CLA 250

$1,782

Moderate

Chevrolet Corvette

$1,783

Moderate

BMW X5

$1,845

Expensive to insure

Toyota 86

$1,853

Expensive to insure

BMW 5 Series

$1,874

Expensive to insure

Dodge Challenger

$1,887

Expensive to insure

Kia Stinger

$1,937

Expensive to insure

BMW 4 Series

$1,970

Expensive to insure

Audi E Tron

$1,982

Expensive to insure

Chevrolet Camaro ZL1

$2,020

Expensive to insure

Mercedes AMG C 63

$2,104

Expensive to insure

Tesla Model 3

$2,117

Expensive to insure

Tesla Model Y

$2,207

Expensive to insure

Dodge Challenger SRT Hellcat

$2,270

Expensive to insure

BMW X7

$2,426

Expensive to insure

BMW 7 Series

$2,482

Expensive to insure

Nissan GT-R

$2,499

Expensive to insure

Tesla Model S

$2,919

Expensive to insure

Tesla Model X

$3,041

Expensive to insure

Audi R8

$3,112

Expensive to insure

Porsche Taycan

$3,200

Expensive to insure

BMW i8

$3,212

Expensive to insure

Your Credit Score

A change in your credit score can mean a difference in car insurance rates. If your credit score drops, your insurer may drive up the cost of your policy. That said, there are states — such as California, Hawaii and Massachusetts — where credit score does not matter.

Credit Score
Annual Premium

Good

$1,124

Good

$1,163

Good

$1,424

Good

$1,553

Good

$1,275

Good

$1,301

Poor

$3,509

Poor

$4,329

Poor

$3,982

Poor

$3,488

Poor

$4,135

Poor

$4,907

Your ZIP Code

Location plays a crucial role in determining your car insurance premiums.

Even within the same state, rates can vary by ZIP code. Insurance companies consider collective risk, meaning if your area has high rates of accidents and violations or if more people in your ZIP code have filed claims, you're more likely to face higher insurance costs. Changes to accident and violation rates in your area can also lead to adjustments in your premiums.

Your Eligibility for Discounts

Qualifying for car insurance discounts can help you save significantly. However, it is possible to no longer be eligible for the discount at the time of your policy renewal.

For example, a college student who has graduated and returned home may no longer be eligible for a distant student discount. A driver recently been in an accident may also lose their safe driver discount.

Always check with your insurer to see if you still qualify for these discounts and inquire about other car insurance discounts that may be available to you.

Your Age and Gender

Regarding car insurance, average rates by age and gender can tell you a lot about how much you're likely to pay.

Young drivers, particularly males under 25, usually pay more due to a higher perceived risk of accidents. However, after 25, gender has less influence on your rates. There is no specific age when car insurance starts to go down. Instead, as you grow older, your rates are more affected by your driving history and experience.

Rates generally decrease with age, reaching their lowest around 50. However, both teenagers and seniors often face higher rates because they're considered riskier drivers.

Age
Annual Premium
Monthly Premium

16

$5,238

$436

16

$5,733

$478

17

$4,345

$362

17

$4,811

$401

18

$3,768

$314

18

$4,144

$345

19

$2,630

$219

19

$2,891

$241

20

$2,372

$198

20

$2,591

$216

21

$1,882

$157

21

$2,035

$170

22

$1,754

$146

22

$1,867

$156

23

$1,629

$136

23

$1,719

$143

24

$1,549

$129

24

$1,616

$135

25

$1,410

$118

25

$1,443

$120

26

$1,354

$113

26

$1,379

$115

27

$1,332

$111

27

$1,355

$113

28

$1,317

$110

28

$1,334

$111

29

$1,307

$109

29

$1,314

$110

30

$1,276

$106

30

$1,260

$105

35

$1,253

$104

35

$1,228

$102

40

$1,232

$103

40

$1,207

$101

45

$1,215

$101

45

$1,193

$99

50

$1,170

$98

50

$1,160

$97

55

$1,133

$94

55

$1,128

$94

60

$1,126

$94

60

$1,124

$94

65

$1,169

$97

65

$1,182

$98

70

$1,237

$103

70

$1,266

$106

75

$1,347

$112

75

$1,413

$118

80

$1,468

$122

80

$1,582

$132

85

$1,573

$131

85

$1,702

$142

90

$1,646

$137

90

$1,790

$149

Why Car Insurance Increased in 2023

Car insurance rates are on the rise due to various factors, including an increase in accidents and their severity, higher costs for parts and labor and slim profit margins for insurers. Additionally, inflation and risky driving behaviors are contributing to higher legal costs, all of which are putting upward pressure on insurance premiums.

  • accident2 icon

    More accidents

    When COVID-19 hit, car insurance companies gave back $14 billion, thinking fewer accidents would occur. But as things opened up, not only did accidents happen more often, they also got worse. Even the number of deadly accidents increased. This has made insurance companies adjust their rates higher.

  • money icon

    Parts and labor get pricier

    Fixing a car is more expensive now because the parts and the labor to install them cost more. Insurance companies must raise their rates when these costs rise to keep offering the same coverage.

  • noBag icon

    Slim profits for insurers

    The car insurance business isn't making huge profits. They measure their success with a "combined ratio," which needs to be under 100% for them to make money. With the current trends in accidents and costs, rates will likely keep increasing.

  • inflation icon

    Inflation hits insurance too

    The rising cost of living affects everything, including insurance. If insurance rates don't go up to match these rising costs, companies could run out of the money they need to pay out claims.

  • accident2 icon

    Risky driving and legal costs

    Bad driving habits like speeding or driving under the influence are on the rise. When accidents happen because of this, legal costs can increase, especially in severe cases. This also pushes insurance rates higher.

What to Do When Car Insurance Rates Go Up

If your car insurance rates increase, you can talk to your insurer, adjust your coverage, or even switch providers to lower your costs.

  • loanReview icon

    Review your policy

    The first step is to understand why your rates have gone up. Check your policy details and consult your insurer for clarification.

  • subscribe icon

    Contact your insurer

    Sometimes, a simple phone call can explain why your rates increased. You can also inquire about any new discounts you may now qualify for.

  • onlineForms icon

    Re-evaluate your coverage

    If your lifestyle has changed — maybe you're working from home now and driving less — you might not need as much coverage as you did before. It’s also a good time to consider usage-based insurance programs.

  • barChart icon

    Increase your deductible

    You can often lower your premium by agreeing to pay a higher deductible in the event of a claim.

  • briefcase icon

    Bundle your insurance

    If you have multiple types of insurance policies, bundling them with a single insurer can often result in a discount.

  • discount2 icon

    Check for discounts

    You might be eligible for new discounts, like a good driver discount if you've been accident-free for a certain period or discounts related to a new job or retirement.

  • financialPlanning icon

    Adjust payment plan

    Some insurers offer a discount for paying your premium lump sum rather than monthly installments.

  • noBag icon

    Remove unnecessary add-ons

    Features like rental car coverage or roadside assistance are often optional. Removing them can lower your premium.

  • shakingHands icon

    Consult an insurance broker

    If you're having trouble finding a better rate on your own, a broker can help you navigate the market.

  • vsDocuments icon

    File a complaint

    If you believe the rate increase is unjustified and discussions with your insurer have not resolved the issue, you can file a complaint with your state's insurance department.

  • giveMoney icon

    Switch providers

    You can always switch to a different insurer offering better rates. Just make sure to understand any fees associated with canceling your current policy.

How to Save on Car Insurance

To save on car insurance, consider shopping around for quotes, bundling insurance policies, and asking for discounts you may qualify for. Other strategies include increasing your deductible, maintaining a good driving record and opting for annual payments.

1

Shop around

Compare quotes from different providers to find the best deal. Make it a habit to review your policy and shop for new quotes at least once a year.

2

Bundle insurance

Combine auto with home or renters insurance for a discount.

3

Ask for discounts

Inquire about discounts you may qualify for, such as good driver, multi-car, or student discounts.

4

Increase your deductible

A higher deductible usually means a lower premium.

5

Maintain a good driving record

Safe driving can qualify you for discounts and lower rates.

6

Pay annually

Some insurers offer discounts for paying your premium in one lump sum.

7

Use telematics

Some insurers offer discounts for using an app or device that tracks your driving habits.

8

Take a defensive driving course

Completing a course can often result in a discount.

9

Maintain good credit

A higher credit score can lead to lower premiums in many states.

10

Choose your car wisely

The make and model of your car can affect your insurance rates.

Frequently Asked Questions

Knowing the different factors affecting car insurance rates can help you understand why your car insurance rates are so expensive. MoneyGeek answered some frequently asked questions about insurance rate revisions to help you understand auto insurance rates.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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