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The º£½ÇÂÛ̳ (º£½ÇÂÛ̳) has released the 2021 – 2022 Auto Insurance Database Report. The report provides information based on data through year-end for the years 2021 and 2022. The data is the most current compilation of automobile insurance costs throughout the United States.

The 2021–2022 Auto Insurance Database Report also contains a summarization of the 2022 average expenditures and combined average premiums for each state.

Key findings from the 2021–2022 report include:

• The national combined average premium per issued vehicle was $1,258, a 5.75% increase from 2021 to 2022.
• The national total liability incurred losses were $103.8B in 2021, a 19.4% increase from 2020.
• The average incurred loss per collision claim increased 18.6%, from $5,185 per claim in 2020 to over $6,150 per claim in 2021.
• Liability premiums grew 8.61% from 2018 to 2022, while the number of vehicles insured for the same period only grew 5.9%.
• The national average expense per insured vehicle per year was $1,126 in 2022, a 6.49% increase from 2018.

Many factors affect a state's expenditures and premiums, including underwriting costs, driving locations, accident rates, traffic density, auto theft statistics, repair costs, and state laws. There are also differences in state requirements for insurance coverage, limits, and benefits.

These variances make direct state-by-state comparisons difficult. Data contained in the 2021–2022 report may differ from previous reports, as updated information from insurers is periodically obtained and included in the most recent report.