Car insurance premiums are climbing again in more than half the U.S.

Why car insurance rates are rising

10 most expensive states for car insurance

States where car insurance may increase the most

States where car insurance may decrease the most

Higher premiums could become a bigger household budget issue

Ways drivers can try to offset higher costs

• Shopping around for auto insurance remains one of the most effective ways to lower costs, since insurers assess risk differently and may offer widely varying quotes for the same driver. In fact, comparing car insurance rates at renewal time may become less of an occasional money-saving tactic and more of a regular part of managing insurance costs in an increasingly expensive market.
• Raising deductibles is another way to save. It lowers car insurance premiums because the higher the deductible, the less the insurance company has to pay when a claim is filed.
• Trying telematics for a discounted rate cuts down on costs. Most insurance companies now offer discounts through usage-based insurance. Drivers download an app or install a plug-in device that monitors mileage, driving habits, speed, and more.
• Bundling home and auto coverage with the same insurance company often provides significant savings.
• Maintaining a clean driving record lowers rates, but a careless at-fault accident or speeding ticket can lead to a rate increase.
• Taking advantage of available discounts can also help offset premium increases. Ask about student discounts, senior discounts, military and veteran discounts, and any discounts for safe driving, taking a defensive driving course, or enrolling in traffic school.