CarInsurance.com Premium Index - CPI Measures Premium Averages and Trends

CarInsurance.com Premium Index (CPI)

The CarInsurance.com Premium Index tracks car insurance trends. With the number of online car insurance shoppers rising each month, CarInsurance.com offers this tool to show auto insurance premiums and customer rate trends. It is necessary to shop regularly because the same rate last year is not the same rate this year. Insurance companies regularly file new rates and shoppers are able to compare them at CarInsurance.com. CPI is a great tool to help you see the national average, along with state by state comparisons of average auto insurance premiums.

CarInsurance.com Premium Index - National Average - Past Year

Premium Chart

The CPI for the last 12 months shows the national average of car insurance premiums. We have seen some fluctuations, but the trend is steady.

Average Annual Auto Insurance Cost for Different Life Stages and Groups

Everyone is in a different stage of their life. CarInsurance.com offers helpful insurance tools and car insurance for every stage of your life. In addition, we offer CPI charts and guidance for these situations:

Average Annual Car Insurance Cost for Teens
Teenagers pay the highest premiums of all groups of drivers.
Average Annual Auto Insurance Rates for Seniors
Senior Citizens pay the lowest premiums of all groups of drivers.
Established Families Average Annual Premiums
Established families pay less than the national average for car insurance.
Married Annual Rates - Average Rate Comparison
Married drivers pay less than single drivers for auto insurance.
Student Car Insurance Costs - Comparison
Students pay a little more than the national average cost of car insurance, but this is likely because of their age. Students pay less than those drivers not in school.
Annual Auto Rates for Young Families
Young families pay less than the average cost of car insurance as a group.

State Average Premium Change From December-2011 to January-2012

Auto insurance rates fluctuate monthly. This map shows the difference in average premiums by state. You can see how some states saw an increase this month, while others saw a decrease.

Historical Car Insurance Average Premiums

State Average Premium Changes & Trends

State	Average
Alabama	$1,320	12 %
Alaska	$0	*
Arizona	$1,011	*
Arkansas	$1,424	*
California	$1,209	2 %
Colorado	$1,085	5 %
Connecticut	$2,125	16 %
Delaware	$2,202	*
District of Columbia	$1,521	*
Florida	$1,903	0 %
Georgia	$1,568	20 %
Hawaii	$0	*
Idaho	$1,114	*
Illinois	$1,094	13 %
Indiana	$1,067	8 %
Iowa	$1,059	*
Kansas	$1,335	*
Kentucky	$1,818	3 %
Louisiana	$1,989	0 %
Maine	$1,305	*
Maryland	$1,805	6 %
Michigan	$2,029	8 %
Minnesota	$1,326	3 %
Mississippi	$1,419	*
Missouri	$1,229	13 %

State	Average
Montana	$857	*
Nebraska	$1,237	*
Nevada	$1,493	1 %
New Hampshire	$1,793	*
New Jersey	$2,126	4 %
New Mexico	$1,387	*
New York	$2,744	7 %
North Carolina	$1,172	1 %
North Dakota	$0	*
Ohio	$996	2 %
Oklahoma	$1,722	*
Oregon	$1,767	*
Pennsylvania	$1,373	11 %
Rhode Island	$2,603	*
South Carolina	$1,418	9 %
South Dakota	$0	*
Tennessee	$1,372	53 %
Texas	$1,421	32 %
Utah	$1,589	*
Vermont	$1,275	*
Virginia	$1,224	30 %
Washington	$1,225	*
West Virginia	$0	*
Wisconsin	$1,196	28 %
Wyoming	$0	*