The Auto Insurance Index
Average annual full-coverage auto insurance premium (U.S.)
Last updated: · Data through H1 2026 (Insurify national full-coverage average)
Insurify put the U.S. full-coverage average near $2,237 in the first half of 2026 (Zebra ~$2,256).
Then
2019
$1,630/yr
Now
2026
$2,237/yr
Change
2019–2026
+37%
↑ Rising
The Auto Insurance Index: 2015–2026
Average annual full-coverage auto insurance premium (U.S.)
Source: Insurance Information Institute, Insurify, The Zebrakeepingupwithinflation.com
Historical Datakeepingupwithinflation.com
| Year | Price | YoY Change |
|---|---|---|
| 2015 | $1,440 | — |
| 2016 | $1,502 | +4.3% |
| 2017 | $1,555 | +3.5% |
| 2018 | $1,600 | +2.9% |
| 2019 | $1,630 | +1.9% |
| 2020 | $1,560 | -4.3% |
| 2021 | $1,620 | +3.8% |
| 2022 | $1,730 | +6.8% |
| 2023 | $1,950 | +12.7% |
| 2024 | $2,280 | +16.9% |
| 2025 | $2,150 | -5.7% |
| 2026 | $2,237 | +4.0% |
Analysis
Auto insurance remains one of the stickiest cost-of-living categories. After a partial cooldown in 2025 (our chart shows about $2,150), Insurify's national full-coverage average was about $2,237 in H1 2026 — roughly 37% above the 2019 baseline on this tracker. The Zebra's 2026 typical-driver average is similar (~$2,256).
2024's peak near $2,280 reflected years of repair, medical, and reinsurance inflation. 2025 saw some relief as claim frequency cooled; 2026 looks flatter-to-slightly-up again as repair costs and tariffs keep pressure on books of business.
These are quote-market / industry composite averages, not a regulated BLS series — different sources will differ by a few percent. Updated August 15, 2026.