A new study from Insurify predicts the average rate will jump 5% in 2022 to $1,707 per vehicle annually. That compares with an average of $1,633 last year, which was a 12% jump from 2020.

Averages, of course, don’t often apply to individuals. Rates vary wildly by state, as people’s commutes, vehicle makes and models, and driving records compare differently. Michigan, for example, is the most expensive state for drivers when it comes to insurance, with annual costs of $2,858, according to Insurify. Hawaii is the cheapest, coming in at $824.

And urban drivers will pay an average of $194 per year more than those in rural areas.

Insurify says it looked at the premiums of 40 million accounts in its database. Based on that data, here are the most (and least) expensive states for drivers when it comes to insurance:

Most expensive states for auto insurance

Michigan – $2,858

New York – $2,321

Rhode Island – $2,321

Louisiana – $2,206

Georgia – $2,127

Nevada – $2,091

Delaware – $2,020

Florida – $2,020

South Carolina – $1,955

Maryland – $1,948

Least expensive states for auto insurance

Hawaii – $824

North Carolina – $924

Maine – $945

Vermont – $945

Idaho – $953

New Hampshire – $953

Indiana – $1,017

Ohio – $1,031

Wisconsin – $1,060

South Dakota – $1,074