THE STATE OF AUTO INSURANCE 2018 01CREATED BY THE ZEBRA

The State of Auto Insurance

2018

THE STATE OF AUTO INSURANCE 2018 02CREATED BY THE ZEBRA

About

WHO

WHAT

HOW

WHYThe Zebra is the nationrsquos leading insurance search engine and an independent source for pricing coverage and research

The Zebrarsquos research explores the current state of auto insurance pricing as affected by dozens of key rating factors including where you live what car you drive your driving record and even personal attributes among many others

Analysis comprises annual auto insurance premium data across all United States zip codes for a base driver profile and includes top national insurance companies See Methodology for additional information

The complex and volatile auto insurance industry is regulated differently in each state which creates a lot of grey area for consumers as they price and search for insurance With more than 650 insurance companies using a mix of some 43500 rating factors any given person could conceivably choose from millions upon millions of car insurance quotes

And since nearly all of the 250 million American drivers require car insurance The Zebra team decided to explore the drivers of change throughout the auto insurance industry and share our research to help drivers better understand their insurance options and easily secure coverage

What causes car insurance prices to skyrocket or plummet How is the insurance industry reacting to changes in technology economics and driving behaviors and the potential risks they pose And what should consumers know as they shop for insurance

THE STATE OF AUTO INSURANCE 2018 03CREATED BY THE ZEBRA

What Is the State of Auto Insurance in the US in 2018

EXPENSIVE

VOLATILE

REACTIVE TO TECHNOLOGY SOMETIMES

Car insurance rates are higher than theyrsquove ever been with a national average annual premium of $1427 ndash thatrsquos 20 higher than in 2011Some US cities have average rates of more than $6000 per year

Over the past few years some statesrsquo rates increased more than 60 and others as little as 1 In the same time 10 states saw a net rate decrease some by as much as 20 Rate changes from year to year were as high as 9 nationally ndash and up to 45 in certain states

Insurance companies are penalizing distracted drivers for the first time since the advent of cell phones though still not nearly as much as other dangerous traffic violations Vehicles with advanced anti-theft and safety technology may reduce theft and collisions but insurance companies offer few if any discounts for having these features in your car

NATIONAL AVERAGE ANNUAL PREMIUMS PER YEAR

20112012

20132014

20152016

20172018

6963

42

91

22

28

CHANGE YEAR OVER YEAR

$1500

$1400

$1300

$1200

$1100

$1000

THE STATE OF AUTO INSURANCE 2018 04CREATED BY THE ZEBRA

What External Causes Might Impact Insurance

Hurricanes wildfires tornadoes blizzards ndash perhaps the most significant cause for an increase in car insurance rates is a damaging weather event

In the first half of 2017 insured property losses were 23 higher than in the first half of 2016 nationwide due to historic hail in Colo-rado and a number of other storms and tornadoes largely across the midwestern states Then Hurricanes Harvey Maria and Irma as well as the California wildfires and other events caused damage exceeding $300 billion for 2017 In fact Hurricane Harvey alone cost 25 times what all of 2016rsquos storms did

Catastrophes like these lead to an increase in claims filed in a given area which often leads to insurance companies raising rates to account for their losses High-claim events may not have an apparent immediate impact on insurance rates however Rate changes may not occur until months or even upwards of a year after an event

Auto insurance rates vary nationwide due to a number of factors and they can change many times throughout the year in a given location Countless factors contribute to these changes including

WEATHER

Insurance pricing is all about predicting risk so the likelihood of damage to or theft of your vehicle (and the resultant claims your insurance company would pay) has a lot to do with where you drive For example more populated cities with higher instances of traffic congestion crime and uninsured drivers often have higher premiums

Although vehicle theft is down overall in the past decade it has been rising in recent years ndash up 7 between 2015 and 2016 alone

The US population is up nearly 5 since 2011 with populations in the top metro areas growing even faster

Even though drivers are legally required to have auto insurance virtually everywhere in the US nationally more than 12 are uninsured

POPULATION amp CRIME

THE STATE OF AUTO INSURANCE 2018 05CREATED BY THE ZEBRA

What External Causes Might Impact Insurance

Most people are well aware that their driving records impact their car insurance rates Whatrsquos not as well understood is how external factors impact that driving behavior

Particularly over the past decade people have increasingly been driving with cell phones in their vehicles As these phones have gotten smarter theyrsquove become increasingly distracting leading to what is now a deadly distracted driving epidemic

People are also driving more than ever before with record-breaking mileage on US roads for the past five straight years

In early 2016 gas prices hit their lowest rates since early 2009 and have remained low encouraging American consumers to drive more and leading to more accidents and more claims

ECONOMY amp BEHAVIOR

Each state in the US has its own governing body to regulate insurance This localized legislation impacts the required level of coverage you have to carry the degree and frequency in which insurance companies can raise rates and laws regarding fraud among other things

Insurance departments in some states have prohibited certain information from being used to price insurance ndash factors like a driverrsquos credit score level of education or whether they own or rent their home ndash arguing that they are discriminatory and not necessary to assessing risk But in other states those factors and more are fair game

Some states are also prone to different types of fraud leading insurance companies to change pricing and regulatory bodies to enact legislation to combat those behaviors In Michigan for example drivers are required to have unlimited personal injury protection which can mean extremely high payouts from insurers for serious or lifelong injuries and resultant rate increases statewide Many in the state have been advocating for reform but recent attempts failed in the House of Representatives in late 2017

LEGISLATION

THE STATE OF AUTO INSURANCE 2018 06CREATED BY THE ZEBRA

Where You Live

Your Vehicle

01

02

Auto Insurance Rates by Region

Auto Insurance Rates by State

10 Least amp Most Expensive States for Auto Insurance

10 Least amp Most Expensive Cities for Auto Insurance

09

10

11

12

25

26

14

15

16

17

18

19

20

21

22

23

What Does It Cost to Insure Americarsquos Favorite Cars

Least amp Most Expensive Cars to Insure Among Popular Models

Auto Insurance Rates by Type of Vehicle

Sedans

Trucks

SUVs

Green Cars

Luxury Cars

Vans

How the Age of Your Car Affects Insurance Rates

New Car TechnologyAnti-Theft Devices

Safety Devices

03

Table of ContentsAUTO INSURANCE BASED ON

THE STATE OF AUTO INSURANCE 2018 07CREATED BY THE ZEBRA

Your Insurance Coverage

Methodology

Appendix

Who You Are

05

07

08

06

Insurance Coverage 101

Level of Coverage

Prior Insurance Coverage

Payments amp Bundling

To Bundle or Not to Bundle

38

39

40

41

42

53

54

44

44

45

46

47

48

49

50

51

Age amp Family

Auto Insurance Rates by Age of Driver

Breaking Down the Expense of Insuring a Teen Driver

Your Gender

Your Marital Status

Your Homeowner Status

Your Credit Score

Your Occupation

Your Level of Education

28

31

32

33

34

36

How You DriveDriving Violations

Speeding Violations

Accidents amp Claims

Distracted Driving

Annual Mileage amp Telematics

Vehicle Use

04

THE STATE OF AUTO INSURANCE 2018 08CREATED BY THE ZEBRA

Where You Live01

THE STATE OF AUTO INSURANCE 2018 09CREATED BY THE ZEBRA

New England$1186

$1505

$1375$1241$1338

$1472

$1640

$1516 Mideast

Southeast

Far West

Southwest

Rocky Mountains PlainsGreat Lakes

Auto Insurance Rates by Region

01 WHERE YOU LIVE

See AppendixndashA1 for Rates by Region amp Year

THE STATE OF AUTO INSURANCE 2018 10CREATED BY THE ZEBRA

Auto Insurance Rates by StateAlabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

District of Columbia

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

$1358

$1152

$1247

$1458

$1713

$1435

$1544

$1700

$1464

$1878

$1388

$1079

$1018

$1120

$1133

$1015

$1427

$2050

$2225

$927

$1240

$1201

$2610

$1258

$1800

$1334

$1615

$1184

$1802

$1083

$1679

$1331

$1582

$865

$1230

$1037

$1542

$1377

$1433

$2004

$1361

$1268

$1315

$1810

$1112

$1027

$901

$1160

$1378

$1040

$1338

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

See AppendixndashA2 for Rates by State amp Year

01 WHERE YOU LIVE

THE STATE OF AUTO INSURANCE 2018 11CREATED BY THE ZEBRA

10 Least amp Most Expensive States

01 WHERE YOU LIVE

$865

$901

$927

$1015

$1018

$1027

$1037

$1040

$1079

$1083

$2610

$2225

$2050

$2004

$1878

$1810

$1802

$1800

$1713

$1700

North Carolina

Virginia

Maine

Iowa

Idaho

Vermont

Ohio

Wisconsin

Hawaii

New Hampshire

Michigan

Louisiana

Kentucky

Rhode Island

Florida

Texas

Nevada

Mississippi

California

Delaware

LEAST EXPENSIVE STATES MOST EXPENSIVE STATES

THE STATE OF AUTO INSURANCE 2018 12CREATED BY THE ZEBRA

01 WHERE YOU LIVE

10 Least amp Most Expensive Cities

$774

$858

$873

$876

$921

$931

$937

$975

$979

$990

$5414

$3433

$2709

$2651

$2639

$2613

$2564

$2553

$2508

$2462

Winston-Salem NC

Raleigh NC

Greensboro NC

Durham NC

Boise City ID

Chesapeake VA

Virginia Beach VA

Charlotte NC

Madison WI

Norfolk VA

Detroit MI

New Orleans LA

Hialeah FL

Miami FL

Baton Rouge LA

New York NY

Philadelphia PA

Tampa FL

Newark NJ

Las Vegas NV

LEAST EXPENSIVE CITIES MOST EXPENSIVE CITIES

THE STATE OF AUTO INSURANCE 2018 13CREATED BY THE ZEBRA

Your Vehicle02

THE STATE OF AUTO INSURANCE 2018 14CREATED BY THE ZEBRA

What Does It Cost to Insure Americarsquos Favorite Cars

02 YOUR VEHICLE

$1414

Ford F-Series

1

$1632

Honda Civic

6

$1509

Chevrolet Silverado

2

$1317

Honda CR-V

7

$1481

Ram Pickup

3

$1468

Toyota RAV4

8

$1615

Toyota Camry

4

$1521

Honda Accord

9

$1641

Toyota Corolla

5

$1500

Nissan Rogue

10

ANNUAL AVERAGE PREMIUMS OF THE 10 MOST POPULAR CARS IN THE US BY VEHICLE SALES

THE STATE OF AUTO INSURANCE 2018 15CREATED BY THE ZEBRA

02 YOUR VEHICLE

Least amp Most Expensive Cars to Insure Among Popular Models

$1317

$1333

$1337

$1342

$1353

$1354

$1366

$1366

$1375

$1379

$3541

$2737

$2176

$2090

$1957

$1943

$1937

$1920

$1919

$1873

Honda CR-V

Honda Odyssey

Jeep Wrangler

Jeep Renegade

Jeep Patriot

Jeep Compass

Jeep Cherokee

Chevrolet Traverse

Nissan Frontier

Ford Escape

Mercedes-Benz E-Class CLS-Class

Mercedes-Benz GLE-Class M-Class

Nissan Maxima

Mercedes-Benz C-Class

BMW 3-Series

Lexus ES

Dodge Challenger

BMW X5

Dodge Charger

Ford Mustang

LEAST EXPENSIVE MODEL MOST EXPENSIVE MODEL

THE STATE OF AUTO INSURANCE 2018 16CREATED BY THE ZEBRA

Auto Insurance Rates by Type of Vehicle

02 YOUR VEHICLE

Why do certain vehicles types cost more to insure than othersThe MSRP of a vehicle is a pretty good indicator of its cost to insure Mercedes-Benz models for example are among the most expensive to insure because of their higher MSRP and because it is a foreign company so parts are more costly to repair or replace Vans on the other hand are more often designed for safety than performance so insurers deem them less likely to be involved in collisions than other vehicle types

ANNUAL AVERAGE PREMIUMS FOR THE MOST

POPULAR MODELS OF COMMON VEHICLE TYPES

By top US 2016 year-end sales All vehicle rates are for current model year

for respective year (ie 2017 rates for 2017 models) See methodology for more

VANS

TRUCKS

SUVS

GREEN CARS

SEDANS

LUXURY CARS

$1484

$1535

$1579

$1654

$1724

$2018

THE STATE OF AUTO INSURANCE 2018 17CREATED BY THE ZEBRA

Sedans

$1615

$1641

$1632

$1521

$1673

$1597

$1570

$1689

$1602

$1684

Toyota Camry

Toyota Corolla

Honda Civic

Honda Accord

Nissan Altima

Ford Fusion

Chevrolet Malibu

Nissan Sentra

Hyundai Elantra

Hyundai Sonata

02 YOUR VEHICLE

OVERALL RATES FOR POPULAR SEDANS INCREASED 20 FROM 2011 TO 2017

ANNUAL AVERAGE PREMIUMS FOR THE MOST POPULAR SEDANS

TOP CARS AVG ANNUAL PREMIUM

MOST EXPENSIVE SEDAN LEAST EXPENSIVE SEDAN

Mercedes-Benz S-Class$3443 $1433

Kia Soul

20

THE STATE OF AUTO INSURANCE 2018 18CREATED BY THE ZEBRA

Trucks

02 YOUR VEHICLE

$1414

$1509

$1481

$1505

$1626

$1595

$1455

$1375

$1664

$1512

Ford F-Series

Chevrolet Silverado

Ram Pickup

GMC Sierra

Toyota Tacoma

Toyota Tundra

Chevrolet Colorado

Nissan Frontier

Honda Ridgeline

GMC Canyon

OVERALL RATES FOR POPULAR TRUCKS INCREASED 14 FROM 2011 TO 2017

ANNUAL AVERAGE PREMIUMS FOR THE MOST POPULAR TRUCKS

TOP TRUCKS AVG ANNUAL PREMIUM

MOST EXPENSIVE TRUCK LEAST EXPENSIVE TRUCK

Nissan Titan$1751 $1375

Nissan Frontier

14

THE STATE OF AUTO INSURANCE 2018 19CREATED BY THE ZEBRA

SUVs

02 YOUR VEHICLE

$1317

$1468

$1500

$1379

$1469

$1404

$1469

$1366

$1337

$1441

Honda CR-V

Toyota RAV4

Nissan Rogue

Ford Escape

Ford Explorer

Chevrolet Equinox

Jeep Grand Cherokee

Jeep Cherokee

Jeep Wrangler

Toyota Highlander

OVERALL RATES FOR POPULAR SUVS INCREASED 19 FROM 2011 TO 2017

ANNUAL AVERAGE PREMIUMS FOR THE MOST POPULAR SUVS

TOP SUVS AVG ANNUAL PREMIUM

MOST EXPENSIVE SUV LEAST EXPENSIVE SUV

Mercedes-Benz GLE-Class M-Class$2737 $1317

Honda CR-V

19

THE STATE OF AUTO INSURANCE 2018 20CREATED BY THE ZEBRA

Green Cars

02 YOUR VEHICLE

$1630

$1645

$1666

$1617

$1691

Prius

Chevy Volt

Prius-C

Ford C-Max

Prius-V

OVERALL RATES FOR POPULAR GREEN CARS INCREASED 19 FROM 2011 TO 2017

ANNUAL AVERAGE PREMIUMS FOR THE MOST POPULAR HYBRID AND ELECTRIC VEHICLES

TOP GREEN CARS AVG ANNUAL PREMIUM

MOST EXPENSIVE GREEN CAR LEAST EXPENSIVE GREEN CAR

Nissan Leaf$1675 $1617

Ford C-Max

19

THE STATE OF AUTO INSURANCE 2018 21CREATED BY THE ZEBRA

Luxury Cars

02 YOUR VEHICLE

$2090

$1957

$1943

$3541

$2029

Mercedes-Benz C-Class

BMW 3-Series

Lexus ES

Mercedes-Benz E-Class CLS-Class

Infiniti Q50

OVERALL RATES FOR POPULAR LUXURY CARS INCREASED 37 FROM 2011 TO 2017

ANNUAL AVERAGE PREMIUMS FOR THE MOST POPULAR LUXURY CARS

TOP LUXURY CARS AVG ANNUAL PREMIUM

MOST EXPENSIVE LUXURY CAR LEAST EXPENSIVE LUXURY CAR

Mercedes-Benz E-Class CLS-Class$3541 $1500

Acura RDX

37

THE STATE OF AUTO INSURANCE 2018 22CREATED BY THE ZEBRA

Vans

02 YOUR VEHICLE

$1518

$1390

$1474

$1333

$1448

Chrysler Pacifica

Chrysler Town and Country

Dodge Grand Caravan

Honda Odyssey

Kia Sedona

OVERALL RATES FOR POPULAR VANS INCREASED 18 FROM 2011 TO 2017

ANNUAL AVERAGE PREMIUMS FOR THE MOST POPULAR VANS

TOP VANS AVG ANNUAL PREMIUM

MOST EXPENSIVE VAN LEAST EXPENSIVE VAN

Toyota Sienna$1661 $1333

Honda Odyssey

18

THE STATE OF AUTO INSURANCE 2018 23CREATED BY THE ZEBRA

How the Age of Your Car Affects Insurance Rates

02 YOUR VEHICLE

New cars are more expensive to insure because they cost more to repair or replace ndash especially if those new cars feature technology like blind spot sensors and rear-view cameras On the other hand a 5-year-old car is about 12 less expensive to insure than its brand new counterpart and rates drop nearly 3 for each year older the vehicle is

ANNUAL AVERAGE PREMIUMS BY AGE OF VEHICLE WITH SAVINGS OVER NEW MODEL

16

12

9

7

4

2

NEW1 YEAR OLD

2 YEAR OLD

3 YEAR OLD

4 YEAR OLD

5 YEAR OLD

6 YEAR OLD

INSURANCE SAVINGS OVER CURRENT MODEL

AVER

AG

E PR

EMIU

M

$1600

$1500

$1400

$1300

$1200

THE STATE OF AUTO INSURANCE 2018 24CREATED BY THE ZEBRA

New Car Technology03

THE STATE OF AUTO INSURANCE 2018 25CREATED BY THE ZEBRA

Anti-Theft Devices

03 NEW CAR TECHNOLOGY

$142729

$141769

$141976

$142191

$142226

ndash

067

053

038

035

ndash

$960

$753

$538

$504

None

Passive Disabling Device

Tracking Device

Active Disabling Device

Audible Alarm

Many new car models are outfitted with advanced technology to prevent vehicle theft but having this technology in your car wonrsquot likely save you money on car insurance

ANTI-THEFT DEVICE AVG ANNUAL PREMIUM DIFFERENCE $ SAVINGS

ANNUAL AVERAGE PREMIUMS BY ANTI-THEFT TECH FEATURES WITH IMPACT ON RATES

THE STATE OF AUTO INSURANCE 2018 26CREATED BY THE ZEBRA

Safety Devices

03 NEW CAR TECHNOLOGY

Similarly to anti-theft technology new technology designed to keep drivers passengers and pedestrians safe seems to have little impact on insurance rates

$1427

$1427

$1427

$1427

$1427

$1427

$1427

$1427

$1427

$1420

ndash

0

0

0

0

0

0

0

0

050

ndash

$0

$0

$0

$0

$0

$0

$0

$0

$7

None

Driver Alertness Monitoring

Lane Departure Warning Device

Night Vision Device

Park Assist Device

Rear View Camera

Blind Spot Warning Device

Collision Preparation System

Heads-Up Display

Electronic Stability Control (ESC)

SAFETY DEVICE AVG ANNUAL PREMIUM DIFFERENCE $ SAVINGS

Why do these vehicle safety and security devices have little to no impact on ratesItrsquos most likely that the effectiveness of the technology devices and the cost to repair or replace them cancel each other out in terms of impact on insurance rates So while many of these anti-theft and safety tech features have been proven effective in preventing theft damage and human injury they are expensive parts of the car which make the vehicles more costly to repair or replace (And since these safety devices still donrsquot make your car ldquoautonomousrdquo there is still a lot of room for driver error)

ANNUAL AVERAGE PREMIUMS BY SAFETY TECH FEATURES WITH IMPACT ON RATES

THE STATE OF AUTO INSURANCE 2018 27CREATED BY THE ZEBRA

How You Drive04

THE STATE OF AUTO INSURANCE 2018 28CREATED BY THE ZEBRA

Accidents Tickets amp Claims How Much Do They Affect Your Insurance

04 HOW YOU DRIVE

Your driving record can have a huge impact on your auto insurance rates and some violations and claims are much more costly than others

$1427

$1479

$1488

$1564

$1653

$1655

$1727

$1740

$1741

ndash

4

4

10

16

16

21

22

22

ndash

$52

$61

$136

$226

$227

$300

$313

$313

None

Driving without lights

Failure to wear a seat belt

Failure to show documents

Cell phone violation

Texting while driving

Speeding (6 - 20 MPH Over Limit)

Failure to yield

Illegal turn

AVERAGE ANNUAL PREMIUMVIOLATIONS

MORE PAID VS NO VIOLATION

$ MORE PAID VS NO VIOLATION

ANNUAL AVERAGE PREMIUMS BY DRIVING VIOLATIONS WITH IMPACT ON RATES

THE STATE OF AUTO INSURANCE 2018 29CREATED BY THE ZEBRA

$1741

$1742

$1753

$1760

$1813

$1893

$1955

$2367

$2482

$2520

$2523

$2528

$2645

22

22

23

23

27

33

37

66

74

77

77

77

85

$314

$315

$326

$332

$386

$465

$528

$940

$1054

$1092

$1095

$1101

$1218

Wrong way-wrong lane

Failure to stop at a red light

Improper passing

Following too closely

Passing school bus

Operating a vehicle without permission

Open container

Driving with a suspended license

Reckless driving

DUI

Refusal to submit to a chemical test

Racing

Leaving scene of an accident-hit and run

AVERAGE ANNUAL PREMIUM

MORE PAID VS NO VIOLATION

$ MORE PAID VS NO VIOLATION

04 HOW YOU DRIVE

VIOLATIONS

See AppendixndashA3 for Rate Increases by Violations amp Claims by State

THE STATE OF AUTO INSURANCE 2018 30CREATED BY THE ZEBRA

Each state penalizes violations differently

How long does a violation affect your insurance rates

In Hawaii for example certain violations such as texting while driving or speeding in school zone have a minimal impact on insurance rates (less than 10) but others such as driving with a suspended license or leaving the scene of an accident (hit and run) will raise rates 400

While convictions for driving violations (like speeding or an at-fault accident) stay on your driving record permanently they donrsquot affect your insurance rates forever The ldquochargeable periodrdquo or time during which insurance companies can use your driving record to determine your rates is 3 years for most violations although an at-fault accident can impact rates for 5 years These chargeable periods may vary by state in California a DUI can impact rates for 10 years

04 HOW YOU DRIVE

THE STATE OF AUTO INSURANCE 2018 31CREATED BY THE ZEBRA

How Much Do Speeding Tickets Affect Your Rates

04 HOW YOU DRIVE

No surprise here the faster yoursquore speeding the greater the impact on your insurance rates ndash but did you know driving too slowly will affect your rates too And speeding any amount in a school zone will cost you hundreds no matter where you live

$1427

$1709

$1726

$1757

$1775

$1829

$1721

$1714

ndash

20

21

23

24

28

21

20

ndash

$281

$298

$329

$348

$401

$293

$287

None

Speeding 6 - 10 MPH Over Limit

Speeding 11 - 15 MPH Over Limit

Speeding 16 - 20 MPH Over Limit

Speeding 21 - 25 MPH Over Limit

In 65 MPH Zone

Speeding in School Zone

Driving too slowly

AVERAGE ANNUAL PREMIUM

MORE PAID VS NO VIOLATION

$ MORE PAID VS NO VIOLATION

ANNUAL AVERAGE PREMIUMS BY SPEEDING VIOLATION

VIOLATIONS

THE STATE OF AUTO INSURANCE 2018 32CREATED BY THE ZEBRA

How Much Will an Accident Affect Your Rates

04 HOW YOU DRIVE

Causing an accident will cost you a 30-50 increase on your car insurance rates ndash penalties vary based on the cost of damages you incur In all but 5 states yoursquoll also see an increase on your rates even if yoursquore not at fault in an accident because the insurance company still has to pay your claim The costliest violation by far however is leaving the scene of an accident yoursquore involved in ndash rate increases average 85 but are as high as 405 in some states

$1427

$1526

$1848

$2038

$2115

$2645

ndash

7

29

43

48

85

ndash

$98

$421

$611

$687

$1218

None

Not-at-Fault Accident

At-Fault Accident (Damages under $1000)

At-Fault Accident (Damages $1000-$2000)

At-Fault Accident (Damages over $2000)

Hit-and-Run Accident

AVERAGE ANNUAL PREMIUM

MORE PAID VS NO VIOLATION

$ MORE PAID VS NO VIOLATION

ANNUAL AVERAGE PREMIUMS BY ACCIDENT OR CLAIM WITH IMPACT ON RATES

VIOLATIONS

THE STATE OF AUTO INSURANCE 2018 33CREATED BY THE ZEBRA

Distracted DrivingBreaking News Insurance Companies Finally Cracking Down on Distracted Driving

Distracted driving has been proven extremely dangerous so why have insurance penalties for these violations historically been so low

Today getting caught texting or otherwise using your phone while driving will raise your insurance premium 16 ($226) ndash and in some states more than 40 This marks a notable increase in the penalty for distracted driving as just two years ago the penalty for a DUI was more than 40 times what it was for distracted driving despite the evidence that the behaviors were similarly dangerous

Insurance companies are overwhelmingly statistics-driven (which is why we see so many changes from year to year and state to state) The likely scenario is that once they saw increased damages and claims related to distracted driving violations in recent years they had cause to increase insurance rates accordingly Itrsquos also worth noting that not all states have made texting or cell phone use while driving illegal so insurance rates reflect that legislation (or lack thereof)

04 HOW YOU DRIVE

2017

2016

2015

2014

2013

2012

2011

1586

1739

182

115

031

029

025

2017

2016

2015

2014

2013

2012

2011684

7238

799

7492

743

8818

7652

IMPACT ON RATES FOR TEXTINGCELL PHONE USE VIOLATIONS 2011-2017

IMPACT ON RATES FOR DUI VIOLATIONS 2011-2017

See AppendixndashA4 for Rate Increases by Violations amp Claims by Year

THE STATE OF AUTO INSURANCE 2018 34CREATED BY THE ZEBRA

Annual Mileage Will Driving Less Save You Money on Insurance

04 HOW YOU DRIVE

Annual mileage has a minimal effect on auto insurance premiums ndash unless you live in California that is Nationally drivers would see a 6 savings if they formerly drove more than 15000 miles per year and opted to halve their annual mileage For Californians however those savings would amount to 25 or $400 (For reference the average American drives approximately 12000 miles per year)

CALIFORNIANS COULD SEE $400 IN SAVINGS BY CUTTING THEIR ANNUAL MILEAGE IN HALF

25 SAVINGS

$1996

$1449$1440$1427

$1368

$1890

$1713

$1593

NATIONAL AVERAGESCALIFORNIA

AVG PREMIUM BY ANNUAL MILEAGE - NATIONAL VS CALIFORNIA

$2000

$1800

$1600

$1400

$1200

0-7K5 MILES 75-10K MILES 10-15K MILES 15K MILES

THE STATE OF AUTO INSURANCE 2018 35CREATED BY THE ZEBRA

Telematics Yea or Nay

For drivers telematics refers to usage-based insurance (UBI) pro-grams which may use smart phone sensor technology or physical devices you plug into your vehicle to record how and how much you drive Major insurance companies have their own products and programs ndash Snapshot from Progressive Drivewise from Allstate etc These products share your driving data with the car insurance companies to price the your individual risk based on how safely you drive There are also several newer companies such as Metromile and Root which exclusively provide usage-based insurance policies

04 HOW YOU DRIVE

Does usage-based-insurance benefit drivers

What is telematics

Telematics and other UBI programs can be a great way to save money but they donrsquot make sense for everyone These programs are best for people who live close to work work normal business hours and drive on fairly flat surfaces Drivers in California often see greater rate dis-counts from telematics due to the impact of annual mileage in the state

$1500

$1200

$900

$600

$300

$0

$1427 $1415

NO TELEMATICS

WITH TELEMATICS

ANNUAL AVERAGE PREMIUMS BY TELEMATICS USE

DIFFERENCE IN RATES WITHWITHOUT TELEMATICSlt1

THE STATE OF AUTO INSURANCE 2018 36CREATED BY THE ZEBRA

Vehicle UseDrivers pay the least to insure their vehicles for farm use and the most to insure them for business use ndash a difference of about 17 However for those who drive for pleasure or commuting rates are very similar

04 HOW YOU DRIVE

FARM

PLEASURE

BUSINESS

PERSONALCOMMUTING

These vehicles are registered and plated for use on a farm or ranch

They are less expensive to insure because theyrsquore more often driven

on private property than roads and thus exposed to fewer road hazards

These vehicles are used more for fun than for any commuting

or business purposes so they are exposed to less traffic and

consequent risk of damage

These are vehicles used for work (not simply commuting) ndash think realtors

traveling salespeople and others who drive to different locations as part

of their day-to-day jobs Because these vehicles are used more theyrsquore

exposed to more risk of damage and thus cost more to insure

This is the most common use type as these vehicles are driven

regularly to commute to work or school carpool and run errands

Uber Lyft and other rideshare drivers must opt for a personal auto

policy and add an endorsement for ridesharing which is only available

from select insurance companies

ANNUAL AVERAGE PREMIUMS BY VEHICLE USAGE TYPE

FARM

PLEASURE

PERSONALCOMMUTING

BUSINESS

$1348

$1577

$1438

$1427

What are the differences among types of vehicle use when it come to insurance What about ridesharing

THE STATE OF AUTO INSURANCE 2018 37CREATED BY THE ZEBRA

Your Insurance Coverage05

THE STATE OF AUTO INSURANCE 2018 38CREATED BY THE ZEBRA

Insurance Coverage 101

05 YOUR INSURANCE COVERAGE

Full coverage is Comprehensive and Collision coverages combined

Comprehensive coverage covers damage to your vehicle from all kinds of unexpected non-accident-with-anoth-er-car scenarios including (but not limited to) weather damage and theft You may also see this written as ldquoOther than Collisionrdquo coverage

Collision coverage covers damage to your vehicle in the event of an accident or other collision with an inanimate object whether a fender-bender or pileup on an icy road

Liability coverage covers the injury or property damage that you cause to someone else when yoursquore behind the wheel This coverage is legally required for drivers everywhere in the US (except New Hampshire) ndash but note that it offers no protection for the insured driver and vehicle

These numbers represent the specific dollar limits for bodily injury and property damage within your liability coverage For example 5010050 means you have coverage up to $50000 per individual injured in an accident you cause $100000 for all persons injured in the accident and $50000 coverage for property damage caused

50 100 50

What do these numbers mean

BI BI PDBodily Injury Per Person Bodily Injury Per Accident Property Damage

LIABILITY

COLLISION

COMPREHENSIVE

FULL COVERAGE

THE STATE OF AUTO INSURANCE 2018 39CREATED BY THE ZEBRA

Level of CoverageState minimum liability coverage unsurprisingly costs the least of all coverage types all other rating factors being equal Policies with any coverage beyond liability (ie those which include comprehensive and collision insurance) raise rates more than 100

05 YOUR INSURANCE COVERAGE

ANNUAL AVERAGE PREMIUMS FOR COMMON COVERAGE LEVELS FOR LIABILITY AND FULL COVERAGE

STATE MINIMUM LIABILITY ONLY

50-100-50 BI-PD LIABILITY ONLY

100-300-100 BI-PD LIABILITY ONLY

STATE MINIMUM WITH 500 COMP-COLL

50-100-50 BI-PD WITH 500 COMP-COLL

100-300-100 BI-PD WITH 500 COMP-COLL

STATE MINIMUM WITH 1000 COMP-COLL

50-100-50 BI-PD WITH 1000 COMP-COLL

100-300-100 BI-PD WITH 1000 COMP-COLL

$581

$672

$761

$1341

$1427

$1514

$1180

$1268

$1355

See AppendixndashA5 for Rates by Level of Coverage by State

THE STATE OF AUTO INSURANCE 2018 40CREATED BY THE ZEBRA

Prior Insurance Coverage

05 YOUR INSURANCE COVERAGE

The longer your history of continuous prior insurance and the higher the levels of liability coverage the more you can save on your car insurance rates California is the only state which does not consider insurance history when determining rates

None

6 Months with State Min BI Limit

6 Months with 50-100 BI Limit

6 Months with 100-300 BI Limit

1 Year with State Min BI Limit

1 Year with 50-100 BI Limit

1 Year with 100-300 BI Limit

3 Years with State Min BI Limit

3 Years with 50-100 BI Limit

3 Years with 100-300 BI Limit

5 Years with State Min BI Limit

5 Years with 50-100 BI Limit

5 Years with 100-300 BI Limit

$1599

$1568

$1495

$1465

$1537

$1463

$1424

$1500

$1427

$1390

$1462

$1398

$1367

ndash

197

649

842

390

852

1098

619

1075

1309

860

1259

1454

AVERAGE ANNUAL PREMIUM

SAVINGSFROM NONE

ANNUAL AVERAGE PREMIUMS BY PAST COVERAGE LEVELS AND DURATIONS

STATE MINIMUM

50-100 BI LIMIT

100-300 BI LIMIT

Drivers who choose higher BI limits are taking on some of the financial risk from insurance companies which earns them lower rates over time Maintaining continuous insurance coverage with no lapses (not even for a day) is important because insurance companies view drivers who are already insured as being financially responsible and therefore lower risks

Why do higher prior BI limits mean lower future premiums

PRIOR COVERAGE

THE STATE OF AUTO INSURANCE 2018 41CREATED BY THE ZEBRA

Payments amp Bundling

Many drivers are unaware that how (and when) they shop for their insurance policies can impact their rates For example paying for your policy in full rather than in installments or setting up automatic payments from a bank account can save drivers on their annual premiums

05 YOUR INSURANCE COVERAGE

How You Do Business with Your Insurance Company ndash It Matters

3

4

2

1

0

387

Savings

Savings

27

O DAYS

7 DAYS

10 DAYS

SAVINGS WHEN PURCHASING POLICY IN ADVANCE

Savings = 15

SAVINGS WHEN PAYING VIA ELECTRONIC FUNDS TRANSFER (AUTO-PAY)

WITHOUT AUTO-PAY

WITH AUTO-PAY

$1427

$1406

Savings = 060

SAVINGS WHEN SIGNING POLICY WITH ELECTRONIC SIGNATURE

WITHOUT ELECTRONIC SIGNATURE

WITH ELECTRONIC SIGNATURE

$1427

$1419

Savings = 470

SAVINGS WHEN PAYING IN FULL VS INSTALLMENTS

INSTALLMENTS

PAYING IN FULL

$1427

$1360

THE STATE OF AUTO INSURANCE 2018 42CREATED BY THE ZEBRA

To Bundle or Not to BundleBundling or choosing to buy policies for multiple products from the same company (in this case your car along with your apartment house or condo) yields an average 8 savings on the auto policy ndash though the amount varies depending on the company and other property being insured

05 YOUR INSURANCE COVERAGE

SAVINGS WHEN BUNDLING AUTO AND RENTERS INSURANCE

SAVINGS WHEN BUNDLING AUTO AND HOME INSURANCE

SAVINGS WHEN BUNDLING AUTO AND CONDO INSURANCE

$1450

$1350

$1250

$1200

540

950 810

Savings

Savings Savings

ANNUAL AVERAGE PREMIUMS FOR AUTO POLICY WHEN BUNDLED WITH RENTERS CONDO AND HOME INSURANCE POLICIES

WITHOUT BUNDLING

WITHOUT BUNDLING

WITHOUT BUNDLING

WITH BUNDLING

WITH BUNDLING

WITH BUNDLING

THE STATE OF AUTO INSURANCE 2018 43CREATED BY THE ZEBRA

Who You Are06

THE STATE OF AUTO INSURANCE 2018 44CREATED BY THE ZEBRA

Auto Insurance Premiums by Age of Driver

06 WHO YOU ARE

16

17

18

19

$6573

$5704

$4970

$3356

TEENS

$3005

$2400

$2150

$1990

$1859

$1592

$1575

$1555

$1535

$1518

20

21

22

23

24

25

26

27

28

29

TWENTIES

$1427

$1424

$1421

$1417

$1415

$1397

$1396

$1394

$1392

$1391

30

31

32

33

34

35

36

37

38

39

THIRTIES

$1366

$1365

$1364

$1362

$1360

$1352

$1351

$1348

$1343

$1340

40

41

42

43

44

45

46

47

48

49

FORTIES

$1279

$1274

$1271

$1268

$1266

$1249

$1246

$1244

$1243

$1242

50

51

52

53

54

55

56

57

58

59

FIFTIES

$1250

$1254

$1257

$1263

$1270

$1293

$1305

$1315

$1327

$1339

60

61

62

63

64

65

66

67

68

69

SIXTIES

$1364

$1405

$1418

$1436

$1453

$1526

$1573

$1628

$1642

$1698

70

71

72

73

74

75

76

77

78

79

SEVENTIES

$1737

$1790

$1801

$1813

$1823

$1861

80

81

82

83

84

85

EIGHTIES

THE STATE OF AUTO INSURANCE 2018 45CREATED BY THE ZEBRA

On their own a teen driver could pay more than $6500 per year for car insurance ndash more than three times the average rate of anyone ages 30 to 85 However most teen drivers would be added to a parentrsquos policy so the parentrsquos rates would skyrocket

Breaking Down the Expense of Insuring a Teen Driver

06 WHO YOU ARE

ANNUAL AVERAGE PREMIUMS BY AGE AND GENDER OF POLICYHOLDERrsquoS TEEN DRIVER WITH IMPACT ON POLICYHOLDER RATES

Base profile changed to a 45-year-old married male

NO TEEN DRIVER

16-YEAR-OLD FEMALE

16-YEAR-OLD MALE

17-YEAR-OLD FEMALE

17-YEAR-OLD MALE

18-YEAR-OLD FEMALE

18-YEAR-OLD MALE

19-YEAR-OLD FEMALE

19-YEA-OLD MALE

Teens statistically are much more likely to get in accidents and file claims than any other age group due to their lack of driving experience Insurance rates for teens will significantly decrease as they get older and gain driving experience and they can benefit from discounts associated with maintaining continuous insurance

Why are teens so expensive to insure

$1500

$2000

$2500

$3000

$3500

$1000

$950

THE STATE OF AUTO INSURANCE 2018 46CREATED BY THE ZEBRA

06 WHO YOU ARE

Your GenderNationally the difference between what women and men pay for car insurance is insignificant (less than 1) However whereas men paid slightly higher premiums nationally in 2016 women pay slightly higher rates now And in some states gender is not used to determine rates at all

THE DIFFERENCE BETWEEN WHAT WOMEN AND MEN PAY FOR CAR INSURANCE IS INSIGNIFICANTlt1

THE STATE OF AUTO INSURANCE 2018 47CREATED BY THE ZEBRA

06 WHO YOU ARE

Your Marital StatusMarried people pay less for car insurance than those who are single divorced or widowed When single people get married their car insurance rates drop about 6 saving roughly $80year Still in some states marital status is not used to determine rates at all

Statistically insurance companies have found that a married couple poses less risk of filing a claim than single drivers Married couples also often share driving responsibilities essentially cutting the risk of two drivers in half

Why do married people pay less for car insurance

SINGLE

MARRIED

DIVORCED

WIDOW

ED

ANNUAL AVERAGE PREMIUMS BY MARITAL STATUS

$1410

$1430

$1370

$1350

$1330

$1310

$1270

THE STATE OF AUTO INSURANCE 2018 48CREATED BY THE ZEBRA

06 WHO YOU ARE

Your Homeowners StatusNationally renters pay slightly more per year for auto insurance than homeowners or condo owners All drivers can save nearly 8 on their auto policy premiums by bundling them with a home condo or renters policy

ANNUAL AVERAGE PREMIUMS BY HOMEOWNER STATUS

RENTER HOMEOWNER CONDO OWNER

$1427 $1393

24

$34

$1393

24

$34

National Averages

difference from renters

$ difference from renters

THE STATE OF AUTO INSURANCE 2018 49CREATED BY THE ZEBRA

06 WHO YOU ARE

Your Credit ScoreDrivers with poor credit may pay twice as much for car insurance as those with exceptional credit Nationally improving your credit score from the Poor to the Exceptional range would save you 53 (more than $1400) per year And for each credit score improvement from one tier to the next drivers can save an average of 17 annually However itrsquos important to note that in some states credit is not used to determine rates at all

Studies by the Federal Trade Commision have shown that drivers with low credit scores are more likely to file a claim than drivers with higher scores and when they do their claims result in almost double the dollar amount of claims filed by drivers with higher credit scores There-fore insurance companies believe that using credit is a highly accurate way to determine risk

Why do some insurance companies check your credit score to determine rates

ANNUAL AVERAGE PREMIUMS BY CREDIT SCORE

POOR (300-579)

AVERAGE (580-669)

GOOD (670-739)

EXCELLENT (740-799)

EXCEPTIONAL (800-850)

18

18

17

16

SAVING TIER TO TIER

$2800

$2000

$1800

$1000

$800

THE STATE OF AUTO INSURANCE 2018 50CREATED BY THE ZEBRA

06 WHO YOU ARE

Your OccupationBelieve it or not your job may actually save you money on car insurance Any full-time employed drivers will save about $30 on car insurance over those who are unemployed and active duty military and veterans get an average discount of more than $50 over civilians

ANNUAL AVERAGE PREMIUMS BY OCCUPATION

$1430

$1420

$1410

$1400

$1390

$1380

$1370

$1360

$1350

$1340MILITARY

ENGINEER

LAWYER

SCIENTIST

DOCTOR

FIRE FIGHTER

LAW ENFORCEMENT

TEACHER

MANAGER

CIVIL SERVANT

PROPRIETOR

OTHER FULL-TIME EMPLOYED

UNEMPLOYED

THE STATE OF AUTO INSURANCE 2018 51CREATED BY THE ZEBRA

06 WHO YOU ARE

Your Level of EducationNationally drivers can save on car insurance as they reach higher levels of education but the savings are negligible With no high school diploma drivers only pay $44 more per year than if they held a PhD

ANNUAL AVERAGE PREMIUMS BY LEVEL OF EDUCATION

NONE

HIGH SCHOOL

BACHELORS

MASTERS

PHD

$1460

$1443

$1427

$1416

$1416

WITH NO HIGH SCHOOL DIPLOMA DRIVERS PAY $44 MORE PER YEAR THAN IF THEY HELD A PHD

THE STATE OF AUTO INSURANCE 2018 52CREATED BY THE ZEBRA

Methodology07

THE STATE OF AUTO INSURANCE 2018 53CREATED BY THE ZEBRA

07 METHODOLOGY

Methodology

Between September and December 2017 The Zebra conducted comprehensive auto insurance pricing analysis using its proprietary quote engine comprising data from insurance rating platforms and public rate filings The Zebra examined nearly 53 million rates to explore trends for specific auto insurance rating factors across all United States zip codes averaged by state including Washington DC Analysis used a consistent base profile for the insured driver a 30-year-old single male driving a 2013 Honda Accord EX with a good driving history and coverage limits of $50000 bodily injury liability per person$100000 bodily injury liability per accident$50000 property damage liability per accident with a $500 deductible for comprehensive and collision For coverage level data optional coverage (that must be rejected in writing) is included where applicable including uninsured motorist coverage and personal injury protection

National property and casualty losses information is from the Insurance Information Institute and the NOAA National Centers for Environmental Information US Billion-Dollar Weather and Climate Disasters report For vehicle make and model data analysis referenced the most popular vehicles in the US by 2016 year-end sales according to Goodcarbadcarnetrsquos automakersrsquo data Finally some rate data may vary slightly throughout report based on rounding

Citing this information The Zebra State of Auto Insurance 2018

THE STATE OF AUTO INSURANCE 2018 54CREATED BY THE ZEBRA

Appendix08

THE STATE OF AUTO INSURANCE 2018 55CREATED BY THE ZEBRA

08 APPENDIX

A1 ndash Annual Auto Insurance Premiums by Region for 2011-2017 with YoY Change

Far West

Great Lakes

Mideast

New England

Plains

Rocky Mountain

Southeast

Southwest

$1159

$1110

$1415

$1151

$1020

$912

$1217

$1379

$1182

$1208

$1440

$1276

$1148

$950

$1301

$1495

$1200

$1133

$1239

$1023

$1196

$1031

$1200

$1373

$1318

$1160

$1306

$1122

$1069

$1037

$1221

$1524

$1344

$1152

$1374

$1088

$1109

$1132

$1267

$1715

$1448

$1351

$1486

$1164

$1218

$1309

$1440

$1608

$1516

$1375

$1505

$1186

$1241

$1338

$1472

$1640

3075

2391

638

301

2158

4670

2097

1900

466

177

131

191

186

218

218

200

REGION 2011 2012 2013 2014 2015 2016 20172011 vs 2017 Rate Change

2016 vs 2017 Rate Change

THE STATE OF AUTO INSURANCE 2018 56CREATED BY THE ZEBRA

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

District of Columbia

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

$1279

$1291

$1028

$1137

$1190

$944

$1766

$1615

$1324

$1366

$1355

$1106

$788

$818

$923

$841

$1046

$1781

$1531

$904

$1247

$1254

$2220

$1166

$1123

$1002

$1057

$1358

$998

$1125

$1238

$1051

$1993

$1545

$1320

$1626

$1778

$1263

$782

$777

$807

$1224

$1142

$2089

$1409

$860

$1381

$1541

$2742

$1137

$1369

$1017

$1023

$1368

$966

$1119

$1255

$1256

$1638

$1774

$1335

$1672

$1156

$1086

$803

$859

$874

$1356

$1162

$1825

$1500

$731

$1254

$1063

$2222

$1164

$1084

$1100

$1031

$1338

$1052

$1153

$1431

$1179

$1605

$1860

$1442

$1584

$1226

$1132

$831

$927

$907

$886

$1143

$1772

$1688

$862

$1219

$1196

$2109

$1187

$1152

$1013

$1058

$1174

$1064

$1239

$1477

$1359

$1584

$2007

$1517

$1544

$1161

$1110

$901

$929

$965

$921

$1188

$1849

$1694

$883

$1427

$948

$2038

$1215

$1550

$1056

$1305

$1088

$1216

$1419

$1611

$1373

$1495

$1678

$1445

$1838

$1371

$1074

$1008

$1120

$1143

$1027

$1381

$2006

$2205

$907

$1220

$1196

$2560

$1226

$1746

$1290

$1358

$1152

$1247

$1458

$1713

$1435

$1544

$1700

$1464

$1878

$1388

$1079

$1018

$1120

$1133

$1015

$1427

$2050

$2225

$927

$1240

$1201

$2610

$1258

$1800

$1334

61

-108

213

282

439

520

-126

53

106

375

24

-25

292

368

227

206

363

151

453

25

-05

-42

176

78

603

332

41

59

25

27

63

45

33

13

13

22

12

05

10

00

-09

-12

33

22

09

22

16

04

20

26

31

34

STATE 2011 2012 2013 2014 2015 2016 20172011 vs 2017 Rate Change

2016 vs 2017 Rate Change

08 APPENDIX

A2 ndash Annual Auto Insurance Premiums by State for 2011-2017 with YoY Change

THE STATE OF AUTO INSURANCE 2018 57CREATED BY THE ZEBRA

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

$985

$888

$1484

$824

$1618

$1395

$1753

$707

$1239

$824

$1939

$978

$1022

$1368

$1168

$1116

$957

$1254

$864

$961

$900

$1068

$1420

$796

$948

$1061

$1129

$1185

$828

$1523

$1441

$1624

$666

$1328

$824

$1585

$902

$1222

$1538

$1173

$1190

$895

$1577

$815

$1057

$882

$1136

$1470

$950

$910

$1128

$1142

$1189

$853

$1443

$866

$1353

$670

$1407

$809

$1501

$1004

$1014

$1442

$1044

$1042

$904

$1514

$796

$831

$877

$1138

$1451

$937

$903

$1070

$1040

$1219

$999

$1670

$1054

$1401

$724

$1303

$881

$1663

$1152

$1061

$1537

$1115

$1069

$959

$1669

$901

$893

$929

$1128

$1365

$999

$1113

$1091

$1092

$1285

$1073

$1707

$1120

$1471

$752

$1323

$818

$1960

$1179

$1095

$1629

$1224

$1141

$1096

$1885

$992

$1076

$956

$1156

$1366

$1056

$1144

$1590

$1175

$1765

$1109

$1659

$1321

$1616

$872

$1220

$987

$1546

$1355

$1361

$1968

$1348

$1248

$1272

$1761

$1113

$955

$861

$1142

$1356

$1011

$1324

$1615

$1184

$1802

$1083

$1679

$1331

$1582

$865

$1230

$1037

$1542

$1377

$1433

$2004

$1361

$1268

$1315

$1810

$1112

$1027

$901

$1160

$1378

$1040

$1338

640

333

215

315

37

-46

-97

225

-07

258

-205

408

402

466

165

136

375

443

287

69

01

86

-29

307

412

16

08

21

-23

12

08

-21

-08

08

51

-03

16

53

18

10

16

34

28

-01

75

46

16

16

29

11

STATE 2011 2012 2013 2014 2015 2016 20172011 vs 2017 Rate Change

2016 vs 2017 Rate Change

08 APPENDIX

A2 ndash Annual Auto Insurance Premiums by State for 2011-2017 with YoY Change (CONTINUED)

THE STATE OF AUTO INSURANCE 2018 58CREATED BY THE ZEBRA

08 APPENDIX

A3 ndash Annual Auto Insurance Premium Increases by Violations amp Claims by State for 2017

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

District of Columbia

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

000

000

263

000

874

126

797

194

000

000

000

000

210

044

094

237

401

422

753

000

475

236

636

000

717

765

565

351

663

000

874

321

906

194

000

089

640

200

766

044

094

068

477

422

583

000

180

236

495

103

662

707

903

418

372

000

233

272

1454

194

301

588

480

000

152

831

381

1567

218

991

111

614

344

000

505

718

694

329

1493

669

1063

000

313

864

2260

1747

1270

884

996

200

332

044

094

788

1062

1209

753

1107

932

7743

1300

103

1216

1329

1646

1945

2762

2215

2255

1522

3366

1092

1011

2356

289

795

1292

1765

1050

1657

1405

1544

1332

2544

713

1776

2608

217

3107

904

1646

1945

2762

2215

2255

1522

3366

1092

1011

2356

289

795

1292

1765

1050

1657

1405

1544

1332

2544

713

1776

2608

217

3107

904

2041

1995

3754

1991

3881

2262

2354

2014

1858

2455

2112

994

1666

2062

1762

2065

1935

1971

2066

2074

1355

2534

3147

2094

1921

2551

2041

1995

3752

2000

3881

2269

2506

2014

1858

2455

2112

994

1531

2059

1762

2265

2000

1971

2066

2074

1355

2534

3447

2094

1921

2548

2211

2296

2754

2750

4842

2441

2769

2047

1946

2502

2328

994

1428

1847

2418

2558

1966

1978

2023

2283

1057

2613

3431

1945

2527

2353

STATEDriving without lights

Seat belt Not-at-fault accidents

Failure to show documents

Cell Phone Violation

Texting while Driving

Driving too slowly

Speeding in School Zone

Wrong way-wrong lane

THE STATE OF AUTO INSURANCE 2018 59CREATED BY THE ZEBRA

08 APPENDIX

A3 ndash Annual Auto Insurance Premium Increases by Violations amp Claims by State for 2017 (CONTINUED)

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

273

584

096

000

380

624

000

3155

202

642

358

631

029

000

294

000

420

000

698

207

865

466

000

651

1289

1398

763

465

000

380

847

000

3155

202

041

581

631

285

000

729

502

420

000

1332

323

486

568

000

910

1414

174

1086

1163

000

685

839

000

116

584

794

769

1076

2355

047

649

616

257

1348

068

339

807

1001

511

1015

124

1016

1721

561

1577

1097

847

177

2288

1181

2505

824

1076

196

1688

1704

1419

742

822

762

777

980

1055

096

1156

1414

1970

1391

1508

2415

2423

2167

016

1486

1678

2536

1498

3139

998

1779

457

1666

2884

898

1837

4139

1425

556

1595

1706

000

1970

1391

1508

2415

2423

2167

016

1486

1678

2536

1498

3139

998

1779

457

1666

2884

898

1837

4139

1425

556

1595

2408

000

2216

1743

2658

2126

1668

2059

603

3477

2118

1993

1967

2382

1171

2153

1988

1907

1839

443

1853

1729

1828

1751

1489

2729

3201

2547

2063

2658

2659

1668

2074

603

3477

2406

1993

1976

2476

1171

2153

1988

2158

1839

443

1941

1729

1828

1751

1489

2815

3201

2486

1985

2575

2948

1832

2326

523

3230

2498

2798

2019

2685

1171

2660

2111

2182

1767

898

1292

1929

1932

2161

1691

2600

1565

STATEDriving without lights

Seat belt Not-at-fault accidents

Failure to show documents

Cell Phone Violation

Texting while Driving

Driving too slowly

Speeding in School Zone

Wrong way-wrong lane

THE STATE OF AUTO INSURANCE 2018 60CREATED BY THE ZEBRA

08 APPENDIX

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

District of Columbia

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

2211

2296

2917

2224

4230

2483

2618

2047

1946

2502

2328

931

1579

2192

2009

2453

2057

2256

2213

2283

1355

2613

3543

2452

1897

2212

2211

2296

2917

2224

3753

2483

2618

2047

1946

2502

2328

994

2136

2192

2009

2453

2441

2256

2213

2283

1355

2613

3739

2351

1897

2212

2211

2296

2915

2768

3753

2483

2618

2047

1946

2502

2328

994

1445

2192

1926

2453

2441

2256

2213

2283

1355

2613

3431

2351

2297

2290

2211

2296

3647

2750

3753

2580

2769

2047

1946

2502

2328

994

1428

2277

2255

2558

2441

2256

2213

2283

1355

2613

3543

2561

2352

2284

2316

1995

3532

2421

3698

2131

1960

2663

1964

2915

2112

1016

2447

3483

1984

2373

1923

2262

2066

2304

1750

2516

4983

2277

2258

2340

2211

2296

2917

2759

3753

2476

2618

2047

1946

2413

2153

994

1292

2196

2009

2140

2633

2948

2213

2283

1355

2613

3431

2351

3910

2212

2426

2798

4343

3040

3753

3301

2769

5027

2548

2445

2605

1588

2989

1847

2255

3979

2606

2146

2213

2899

1714

2613

4489

2561

2527

2284

2522

2296

3139

2246

8244

2783

2618

6147

2151

2616

4012

931

1683

2318

2808

4232

2205

3114

3481

3341

1355

2776

3486

2491

3680

2485

4145

2067

5487

3500

8280

2982

5144

2932

1673

2327

2831

4429

4220

3421

3283

5617

3707

1892

3601

2864

2419

9194

7610

3422

3674

2489

4400

5112

5250

4216

3858

3888

5085

4583

4057

3709

5897

2921

4331

4181

3965

5277

3018

5363

4254

4495

3990

5665

4705

4680

3659

3638

STATEFailure to stop at a red light

Failure to yield

Illegal turn

Improper passing

Speeding Following too closely

Passing school bus

Operating a vehicle without permission

Open con-tainer

At-Fault Accident

A3 ndash Annual Auto Insurance Premium Increases by Violations amp Claims by State for 2017 (CONTINUED)

THE STATE OF AUTO INSURANCE 2018 61CREATED BY THE ZEBRA

08 APPENDIX

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

2485

1977

2693

2415

2423

2322

523

3230

3231

2951

2245

2557

1171

2356

2111

2047

1767

898

2146

1929

1932

1998

1691

2907

1414

2485

2239

2693

2415

2423

2322

523

3230

2498

2951

2095

2557

1171

2356

2111

2302

1767

898

2316

1929

1932

1998

1691

2907

1565

2498

2239

2693

2415

2423

2336

523

3230

2365

2951

2388

2581

1171

2356

2111

2298

1767

898

2235

1929

1932

1998

1691

2819

1565

2486

2247

2693

2856

3448

2326

507

4697

2498

2951

2372

2756

1171

2660

2111

2436

1767

898

2311

1929

1932

1998

1691

2985

1565

2103

2052

2532

2631

2961

1776

1079

4634

2420

2419

1990

3072

1171

2417

1988

2317

1903

443

1919

1806

2106

1849

1723

2862

3201

2713

1869

2693

2415

4124

2322

523

4697

2365

2951

2379

3384

1171

2013

2111

1992

3306

898

2316

1929

1932

2161

1691

2907

1565

3000

2247

3251

3929

3994

2513

507

8253

2993

5082

2739

3065

1171

2660

2370

2436

2981

898

2311

2421

4170

2639

4319

3110

1565

3298

2238

4099

3619

2115

2550

523

3230

3126

5764

5303

3048

5243

3802

2435

1956

3397

1208

2448

2157

3321

2241

3837

4847

1565

3254

3747

4979

5956

4205

4404

1455

4187

4088

4769

3985

5148

2115

2765

4365

4262

3430

4268

3909

3413

4782

2773

4872

4508

3797

STATEFailure to stop at a red light

Failure to yield

Illegal turn

Improper passing

Speeding Following too closely

Passing school bus

Operating a vehicle without permission

At-Fault Accident

A3 ndash Annual Auto Insurance Premium Increases by Violations amp Claims by State for 2017 (CONTINUED)

2488

4894

3929

5700

2442

1678

708

3230

2260

3265

2486

3447

2890

6178

3147

4093

2624

2943

3108

3800

2715

4348

3164

3945

2014

Open con-tainer

THE STATE OF AUTO INSURANCE 2018 62CREATED BY THE ZEBRA

08 APPENDIX

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

District of Columbia

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

5482

4275

6247

5094

14644

5423

7450

6630

5895

5087

5062

39556

4559

12704

5470

7413

5455

4413

5212

4309

3550

10196

4470

5979

4134

4409

6588

4776

7439

3805

18419

5050

8307

7647

4959

5223

5390

39776

5304

11447

5157

7127

3268

5229

5156

5250

4492

9919

18596

5979

4523

3910

7077

4387

14189

5151

17686

6261

9390

8289

3483

5372

4898

11580

4929

12108

5470

7657

3830

5229

5156

5826

4962

9522

17961

3426

4841

4559

6234

5294

13106

4274

18419

5065

8099

8456

6477

5087

6214

24509

5570

12643

4494

6608

4504

5190

4776

4595

3158

9675

17718

4625

4479

3756

6234

5294

13106

4274

18419

5065

8099

8456

6477

5087

6214

39892

5570

12643

4494

6608

4504

5190

4776

4595

3158

9383

17718

4625

4479

3756

7161

6613

14278

5204

18419

6658

9390

8721

7016

5539

7362

40480

6460

12108

5470

7657

5100

5855

5156

5826

5077

9919

18596

5979

5191

4559

STATEDriving with a suspended license

Reckless Driving

Racing DUI Refusal to submit to a chemical test

Leaving scene of an accident-hit and run

A3 ndash Annual Auto Insurance Premium Increases by Violations amp Claims by State for 2017 (CONTINUED)

THE STATE OF AUTO INSURANCE 2018 63CREATED BY THE ZEBRA

08 APPENDIX

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

4468

7060

6189

8421

7461

4068

3675

19537

6745

6706

4725

8442

8335

7488

5390

4910

5226

3586

4683

6981

7423

4484

6505

6294

4683

4225

6456

6189

7234

5074

5318

5504

9299

6253

6892

4359

8312

7977

8193

5121

5122

4665

4041

3965

6563

4219

4840

6114

6218

6318

4523

7060

6189

10377

4594

4187

4023

34391

6745

7264

4566

8543

8335

8715

5470

4910

5466

2712

4546

5931

5943

6152

7102

6218

4683

3099

6010

5297

7288

7582

6440

7629

32292

5774

5481

3419

7333

4409

8933

5571

4919

4206

3681

3354

7437

7339

5725

7602

4716

7156

3099

6010

4842

7288

7582

6440

7629

32292

5774

5481

3419

7333

4409

8933

5571

4919

4206

3681

3354

7437

7339

5725

7602

4716

6194

4576

7060

6189

8878

4089

7738

7983

34391

6745

7264

5483

8646

8335

9768

6059

5740

4850

4041

4546

8279

7870

6276

7712

6218

7280

STATEDriving with a suspended license

Reckless Driving

Racing DUI Refusal to submit to a chemical test

Leaving scene of an accident-hit and run

A3 ndash Annual Auto Insurance Premium Increases by Violations amp Claims by State for 2017 (CONTINUED)

THE STATE OF AUTO INSURANCE 2018 64CREATED BY THE ZEBRA

08 APPENDIX

A4 ndash National Average Annual Auto Insurance Premium Increase by Violations amp Claims from 2011-2017

Driving without lights

Seat belt

Not-at-fault accidents

Failure to show documents

Cell Phone Violation

Texting while Driving

Speeding 6 - 10 MPH Over Limit

Driving too slowly

Speeding in School Zone

Speeding 11 - 15 MPH Over Limit

Failure to yield

Illegal turn

Wrong way-wrong lane

Failure to stop at a red light

Improper passing

Speeding 16 - 20 MPH Over Limit

Following too closely

Speeding 21 - 25 MPH Over Limit

Passing school bus

Speeding in 65 MPH Zone

At-Fault Accident - Less Than $1000

Operating a vehicle without permission

Open container

29

35

16

86

02

02

163

147

179

169

162

159

159

157

167

187

167

213

210

235

236

274

324

09

13

-08

70

03

03

158

136

174

165

150

149

148

149

157

183

151

214

205

233

208

245

357

28

25

10

80

03

03

165

156

181

172

164

165

162

162

174

190

168

225

232

258

228

253

414

55

54

46

119

11

11

190

187

203

197

199

201

197

198

210

213

205

243

251

276

288

304

397

45

50

61

107

18

18

200

192

210

208

209

209

211

208

218

223

211

253

256

276

282

313

402

72

80

86

122

174

174

224

230

235

238

243

242

245

244

252

263

258

276

306

327

303

352

426

36

43

69

96

158

159

197

201

205

209

219

219

220

221

228

231

233

244

270

281

295

326

370

AccidentViolation 2011 2012 2013 2014 2015 2016 2017

THE STATE OF AUTO INSURANCE 2018 65CREATED BY THE ZEBRA

08 APPENDIX

A4 ndash National Average Annual Auto Insurance Premium Increase by Violations amp Claims from 2011-2017 (CONTINUED)

At-Fault Accident - $1000-$2000

At-Fault Accident

Driving with a suspended license

Reckless Driving

DUI

Refusal to submit to a chemical test

Racing

Leaving scene of an accident-hit and run

365

395

577

640

684

676

664

748

340

386

548

667

724

718

689

772

387

430

636

716

799

822

749

876

415

452

659

697

749

809

733

878

412

450

636

698

743

810

733

880

461

514

733

831

882

884

860

960

428

482

658

739

765

767

771

853

AccidentViolation 2011 2012 2013 2014 2015 2016 2017

THE STATE OF AUTO INSURANCE 2018 66CREATED BY THE ZEBRA

08 APPENDIX

A5 ndash Annual Auto Insurance Premiums by Level of Coverage by State for 2017

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

District of Columbia

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

$523

$443

$509

$542

$592

$540

$682

$885

$623

$877

$570

$444

$351

$421

$434

$295

$434

$908

$971

$385

$592

$482

$1551

$516

$666

$441

$609

$447

$653

$610

$736

$647

$828

$1069

$698

$1248

$657

$523

$398

$483

$481

$333

$479

$1047

$1335

$389

$651

$641

$1622

$550

$767

$522

$702

$527

$751

$697

$826

$753

$953

$1190

$772

$1451

$757

$582

$463

$546

$539

$367

$528

$1231

$1710

$441

$704

$703

$1685

$582

$895

$594

$1130

$1008

$973

$1247

$1365

$1167

$1265

$1377

$1203

$1381

$1155

$851

$865

$936

$927

$835

$1169

$1729

$1690

$817

$1050

$871

$2365

$1064

$1496

$1094

$1217

$1012

$1118

$1289

$1509

$1273

$1411

$1552

$1277

$1754

$1242

$931

$911

$999

$974

$854

$1195

$1869

$2056

$821

$1107

$1009

$2437

$1099

$1609

$1173

$1270

$1148

$1102

$1420

$1569

$1329

$1399

$1529

$1390

$1505

$1300

$999

$972

$1057

$1086

$1001

$1406

$1911

$1860

$923

$1182

$1063

$2539

$1223

$1686

$1255

$1311

$1092

$1213

$1375

$1599

$1377

$1535

$1674

$1350

$1959

$1342

$990

$974

$1058

$1027

$880

$1234

$2053

$2431

$873

$1161

$1068

$2501

$1123

$1733

$1240

$1358

$1152

$1247

$1458

$1713

$1435

$1544

$1700

$1464

$1878

$1388

$1079

$1018

$1120

$1133

$1015

$1427

$2050

$2225

$927

$1240

$1201

$2612

$1258

$1800

$1335

$1451

$1231

$1340

$1543

$1803

$1538

$1669

$1822

$1537

$2082

$1487

$1138

$1082

$1177

$1186

$1038

$1463

$2235

$2600

$979

$1294

$1260

$2675

$1281

$1924

$1400

STATE

State Minimum Liability Only

50-100-50 BI-PD Liability Only

100-300-100 BI-PD Liability Only

State Minimum with 1000 Comp-Coll

50-100-50 BI-PD with 1000 Comp-Coll

100-300-100 BI-PD with 1000 Comp-Coll

State Minimum with 500 Comp-Coll

50-100-50 BI-PD with 500 Comp-Coll

100-300-100 BI-PD with 500 Comp-Coll

THE STATE OF AUTO INSURANCE 2018 67CREATED BY THE ZEBRA

08 APPENDIX

A5 ndash Annual Auto Insurance Premiums by Level of Coverage by State for 2017 (CONTINUED)

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

$381

$380

$817

$458

$880

$521

$773

$375

$337

$436

$591

$680

$529

$976

$593

$278

$438

$747

$526

$333

$341

$591

$511

$356

$333

$440

$419

$1139

$508

$1069

$606

$855

$420

$354

$464

$667

$746

$638

$1090

$685

$304

$499

$815

$590

$374

$382

$658

$599

$405

$367

$528

$467

$1428

$564

$1183

$700

$951

$489

$383

$517

$823

$810

$723

$1265

$803

$339

$563

$917

$686

$426

$434

$737

$704

$453

$406

$1321

$961

$1366

$917

$1376

$1100

$1341

$759

$1052

$860

$1273

$1195

$1155

$1708

$1139

$1002

$1091

$1540

$938

$864

$750

$998

$1116

$847

$1068

$1374

$996

$1688

$968

$1555

$1185

$1423

$805

$1056

$877

$1360

$1254

$1251

$1811

$1231

$1028

$1152

$1609

$1002

$904

$787

$1063

$1192

$898

$1101

$1564

$1152

$1481

$1033

$1499

$1245

$1501

$819

$1229

$1025

$1455

$1319

$1341

$1904

$1269

$1242

$1254

$1741

$1048

$987

$865

$1096

$1307

$990

$1305

$1461

$1036

$1977

$1023

$1664

$1280

$1519

$877

$1055

$930

$1520

$1311

$1334

$1981

$1349

$1050

$1216

$1711

$1099

$955

$838

$1139

$1298

$941

$1139

$1615

$1184

$1802

$1083

$1679

$1331

$1582

$865

$1230

$1037

$1542

$1377

$1433

$2004

$1361

$1269

$1315

$1810

$1112

$1027

$901

$1160

$1379

$1040

$1338

$1702

$1223

$2091

$1138

$1788

$1426

$1679

$936

$1223

$1090

$1702

$1432

$1516

$2174

$1479

$1288

$1379

$1912

$1209

$1079

$952

$1237

$1485

$1083

$1377

STATE

State Minimum Liability Only

50-100-50 BI-PD Liability Only

100-300-100 BI-PD Liability Only

State Minimum with 1000 Comp-Coll

50-100-50 BI-PD with 1000 Comp-Coll

State Mini-mum with 500 Comp-Coll

100-300-100 BI-PD with 1000 Comp-Coll

50-100-50 BI-PD with 500 Comp-Coll

100-300-100 BI-PD with 500 Comp-Coll

THE STATE OF AUTO INSURANCE 2018 68CREATED BY THE ZEBRA

Contact ResearchTheZebracom for any questions or requests regarding data

THE STATE OF AUTO INSURANCE 2018 69CREATED BY THE ZEBRA