Car Insurance Rate Increase Checker
Educational comparison only. Doesn't request quotes, collect your information, or recommend any insurer. "National average" figures vary by source and coverage type -- see FAQ.
Enter your current and renewal car insurance premiums to see your personal increase percentage -- and whether it's in line with, or far above, the 2026 national average.
How it works
- Enter your current (pre-renewal) annual premium
- Enter your new renewal premium
- See your personal increase percentage compared to the 2026 national average, with a flag if yours is notably higher
Frequently asked questions
What's the national average car insurance increase in 2026?
Insurify's year-end 2026 projection puts the national average full-coverage premium at about $2,242/year, roughly a 1% increase over 2025. The Zebra's 2026 State of Insurance report shows a higher average premium ($2,256) and a 3% increase, using a broader coverage mix -- the two differ because they measure slightly different things, which is why we show both.
Why did my premium go up even though I didn't file a claim or get a ticket?
Insurers can raise rates based on broader factors: regional claims trends, vehicle repair cost inflation, your credit-based insurance score (where allowed), or state-level rate filings -- not just your own driving record.
Is a 15% increase unusual?
It depends on your state. Connecticut, for example, is projected to see about a 15% increase for 2026 per Insurify -- so a similar jump there would be close to that state's norm, while the same increase in a state with falling rates would be unusually high.
Does this tool pull my real quote or compare insurers?
No. It only does the math on the two numbers you enter against published national averages -- it doesn't request quotes, collect your information, or recommend any insurer.
Related tools
From the blog
Update history
- 2026-10-03 Added links to related tools.
- 2026-10-01 Launched: compares your personal renewal increase against the Insurify 2026 national average (+1%, full-coverage) with The Zebra's +3% figure noted alongside.