What is the state of auto insurance in 2022? / Uncategorized / By Sherman Back up, after going down last year The average car insurance rate rose 3% from 2020 to 2021.Rates actually fell in 2020 for the first time since 2013. Because of that drop, the increase in 2021 still leaves rates down 1% from 2019 ratesOther than the dip last year and in 2013, rates have been increasing steadily and have overall skyrocketed 28% in the last decade.