Featured studies: Insurance rate analyses and trend reports
Explore in-depth reports on state-by-state car insurance rates, ZIP code cost comparisons, patterns in risky driving behaviors and surveys about the best U.S. DOTs and DMVs. Our analyses provide up-to-date insights into the evolving dynamics of car insurance premiums.
Which state has the best department of transportation? A new survey of American drivers finds the DOTs in Wyoming, New York and Mississippi come out on top when looking at customer satisfaction, road conditions and more.
Location is a significant factor when determining car insurance rates by ZIP code. This article discusses the most expensive and the cheapest rates by ZIP code.
Car insurance costs have surged nationwide between 2023 and 2025, with nearly every state experiencing notable year-over-year premium growth. On average, rates climbed about 30% over two years, or roughly 14% annually, as insurers adjusted for inflation, rising repair costs and more frequent weather-related claims.
From drunk driving to texting behind the wheel, risky driving behaviors increase the chance of an accident and skyrocket insurance rates.