Insurance premium trends
Track how insurance premiums have changed nationally and by state over 5 years. Data sourced from NAIC and the Insurance Information Institute.
2021 national avg
$1,508
2026 national avg
$1,780
5-year change
+18.0%
Annual avg increase
+3.6%
Add state trend lines (up to 5):
Key observations
- •Auto insurance premiums rose 18% nationally from 2021 to 2025, driven by supply chain disruptions, higher repair costs, and increased litigation.
- •Florida and California saw the sharpest increases, with rates rising more than 35% over the 5-year period.
- •The 2022-2023 period showed the steepest annual increases as insurers caught up with inflation in repair costs.
Sources: NAIC, Insurance Information Institute, S&P Global Market Intelligence. Data for informational purposes. Actual rates vary by insurer and individual risk profile.