Motorists have been able to enjoy car insurance rates that have been low for several years, but now that is all changing.

According to Insurance.com, which is a car insurance agency online, in Illinois and Missouri, rates went up 3.8% from April to June.

A vehicle owner in Missouri who paid $1,569 per year now has to pay $1,629.  A car owner in Illinois who previously paid $1,512 now has to pay $1,570.

Illinois and Missouri were two of ten states that have had the largest increase in car premiums, according to the study.

Throughout the nation, this was the second quarter in a row for rate increases, which shows the trend of steady or falling car rates has reversed.

Insurance companies must pay fixed costs, so when motorists can’t afford to sign up for policies, insurers have to keep their profits up by decreasing benefits, increasing existing customers’ rates, and increasing deductibles.  Consumers are already paying many auto costs, such as used car warranties, maintenance, and high gas prices, so high insurance rates are going to hit Americans hard.