Car Insurance Cost History: US Average per Vehicle
The US average annual car insurance expenditure per insured vehicle (NAIC) was $1,431.63 per year as of Oct 2026, according to NAIC Auto Insurance Database. That is unchanged from a year earlier. Since January 2018 ($1,058.10), it is up 35.3%. In our data, which starts Jan 2015, the highest price was $1,431.63 (since Jan 2024) and the lowest was $896.66 (Jan 2015).
Car Insurance Cost History since Jan 2015
Car insurance (avg annual expenditure per insured vehicle, NAIC). Monthly values, step series. Weight in the Real Inflation index: 4.5%.
Car insurance cost: every recorded change
| Effective | Price | Change | Source |
|---|---|---|---|
| Jan 2015 | $896.66 | NAIC Auto Insurance Database Report 2018/2019, Table 4 | |
| Jan 2016 | $945.22 | +5.4% | NAIC Auto Insurance Database Report 2019/2020, Table 4 |
| Jan 2017 | $1,008.35 | +6.7% | NAIC Auto Insurance Database Report 2020/2021, Table 4 |
| Jan 2018 | $1,058.10 | +4.9% | NAIC Auto Insurance Database Report 2021/2022, Table 4 |
| Jan 2019 | $1,075.08 | +1.6% | NAIC Auto Insurance Database Report 2022/2023, Table 4 |
| Jan 2020 | $1,047.76 | -2.5% | NAIC Auto Insurance Database Report 2022/2023, Table 4 |
| Jan 2021 | $1,060.85 | +1.2% | NAIC Auto Insurance Database Report 2022/2023, Table 4 |
| Jan 2022 | $1,124.57 | +6.0% | NAIC Auto Insurance Database Report 2022/2023, Table 4 |
| Jan 2023 | $1,281.92 | +14.0% | NAIC Auto Insurance Database Report 2022/2023, Table 4 |
| Jan 2024 | $1,431.63 | +11.7% | NAIC Average Premium Supplement (Sept 2026) |
Price in January of each year
| Year | January price | vs year before |
|---|---|---|
| 2015 | $896.66 | |
| 2016 | $945.22 | +5.4% |
| 2017 | $1,008.35 | +6.7% |
| 2018 | $1,058.10 | +4.9% |
| 2019 | $1,075.08 | +1.6% |
| 2020 | $1,047.76 | -2.5% |
| 2021 | $1,060.85 | +1.2% |
| 2022 | $1,124.57 | +6.0% |
| 2023 | $1,281.92 | +14.0% |
| 2024 | $1,431.63 | +11.7% |
| 2025 | $1,431.63 | 0.0% |
| 2026 | $1,431.63 | 0.0% |
Source
web.archive.org
web.archive.org
web.archive.org
web.archive.org
content.naic.org
content.naic.org
Download the full history (CSV, item_id
car_insurance)Notes and caveats
- NAIC Auto Insurance Database: US countrywide average expenditure per insured vehicle (liability + collision + comprehensive written premium / liability car-years). NAIC publishes about 20 months after the end of each data year and revises prior years in each edition, so the latest year available is 2024. Each value uses the newest NAIC edition that contains it; dated Jan 1 of its year. Check NAIC each fall for the next year.
- Step series: each price applies from its change date until the next change. Monthly values hold the price in effect that month.
- NAIC publishes about 20 months after each year ends and revises earlier years, so this item stays flat at the latest NAIC year until the next edition.
FAQ
How much is car insurance now?
The US average annual car insurance expenditure per insured vehicle (NAIC) was $1,431.63 per year as of Oct 2026 (0.0% vs a year earlier). Source: NAIC Auto Insurance Database (average expenditure per insured vehicle).
How much was car insurance in 2018?
In January 2018 the US average annual car insurance expenditure per insured vehicle (NAIC) was $1,058.10 per year. Since then it has changed +35.3%.
When was car insurance most expensive?
In our data (starting Jan 2015), the highest price was $1,431.63 (since Jan 2024). The lowest was $896.66 (Jan 2015).
When did the price of car insurance last change?
The most recent change in our data took effect Jan 2024: from $1,281.92 to $1,431.63 (+11.7%). We have 9 recorded changes since Jan 2015.
How often is this page updated?
We re-check this item on every weekly refresh and record each official change with its effective date.