Car insurance prices are rising again in most states
The cost of car insurance is moving up again. Insurify’s mid-year report puts the national average for full coverage at about $2,237 a year, up 1% in the first half of 2026 after a 6% fall in 2025, and projects increases in 32 states by the end of the year.
The report points to higher repair costs, rising bodily injury and collision claim costs, and broader inflation as the main drivers.
What you can do at renewal
- Get at least three quotes with identical limits and deductibles. Prices for the same driver vary widely between insurers.
- Check your deductible. Raising collision and comprehensive deductibles lowers the premium, but only if you could cover that amount after a claim.
- Ask about discounts for bundling, paying in full, low mileage, or a telematics program.
- Review coverage on older cars. If the car is worth little, collision and comprehensive may cost more than they could pay out.
Averages hide large differences by state, age and driving record. Our guide to comparing car insurance quotes covers what to line up between offers.
