More severe accidents, repair costs driven higher by inflation and destructive severe weather events and natural disasters are just a few of the factors that drove personal auto insurance premiums up an average of 9% in 2022, and a recent report from Insurify projects drivers could see another 7% premium increase in 2023. According to Forbes Advisor, drivers are paying an average of $1,601 each year for full coverage auto insurance – which, in this instance, includes liability, collision, comprehensive and uninsured motorist coverages. Those who opt to go with state-minimum liability car insurance pay an average of $513 in annual premiums. Auto rates fluctuate (sometimes significantly) state-to-state, and Forbes found residents paid the least annually for full coverage in Vermont ($1,066), Idaho ($1,143), New Hampshire ($1,149), Maine ($1,168) and Ohio ($1,168). Auto premiums for full coverage were the most expensive in Florida ($3,301), Louisiana ($3,128), New York ($2,523), California ($2,521) and Michigan ($2,495). When broken down by vehicle type, Forbes found minivans were the least expensive to insure on average and coupes were the most expensive. Other factors considered when determining auto rates include your driving record, deductible, coverage limit selections, claims history, age and whether your insurance history has bee continuous or contains lapses. In the slideshow above, we'll look at the ten insurers who had the lowest personal auto insurance rates in 2022, according to Forbes Advisor.

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