ZIP Code Get My RatesInsurance got expensiveIt’s probably not a surprise, then, that nearly half of Americans with auto insurance (49%) and Americans with homeowners insurance (46%) are stressed about the cost of their insurance premiums. I took a look at insurance premiums broken down by state, carrier, credit score, claims history and more. My auto insurance premiums are cheap because I have a lot of factors working in my favor. Take an example with relatively high condo insurance premiums because of poor credit and a history of filing a claim. Condo insurance Similar to home, our condo insurance rate analysis compared median premiums at a $1,000 and a $2,500 deductible.