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The Zebra’s 2021 State of Auto Insurance Report reflects an analysis of more than 83 million unique auto insurance rates. The Zebra research team explored auto insurance pricing data from 2011 to 2020 across 34,500 U.S. ZIP codes using a base driver profile representative for the average insured: a 30-year-old single male driver with a 2016 Honda Accord EX. For more details on methodology, download the full 2021 State of Auto Insurance Report.