Why Your Car Insurance Rates Are Skyrocketing—and How You Can Beat the System

Car insurance rates are still on the rise, hurting Americans’ pockets. In 2024, the cost of car insurance rose by more than 20%. So far in 2025, our analysts estimate the national average is set to rise another 15% due to tariffs and other economic factors.

You're not alone if you’ve noticed your auto insurance premiums climbing. In 2024, drivers across the U.S. faced unprecedented rate increases. Now, in 2025, drivers in some states are noticing their coverage rise by significant percentages.

Below is a detailed table showing the rate increases for the top 10 states over the past three years based on our estimates.*

State	2023 % Increase	2024 % Increase	2025 % Increase
Minnesota	19.8%	61%	7%
California	15.5%	54%	18.2%
Maryland	14%	53%	7%
Pennsylvania	13%	38%	7%
Virginia	12.5%	33%	8%
Massachusetts	11%	30%	6%
South Carolina	12%	29%	8%
New York	12%	35%	12%
Washington	19.7%	20%	19.2%
Nevada	28.3%	34%	9.5%

Of course, plenty of factors dictate the price you pay for car insurance, but there are ways to help lower your auto insurance premiums.

• Compare Quotes from Multiple Insurers: Different insurance companies offer varying rates based on their risk assessments. Some offer rates as low as $38/month.
• Increase Your Deductible: Your deductible is the amount you pay out of pocket before your insurance kicks in after a claim.
• Bundle Policies for Discounts: Many insurance companies offer discounts when you purchase multiple policies.
• Maintain a Good Credit Score: Regularly check your credit report for errors, pay bills on time, and reduce outstanding debt.

You can take Get Affordable Insurance’s short and simple questionnaire to find out if you can save up to $610 a year and find affordable rates easily in your area.