Full-coverage car insurance remained a major household cost, with the typical US driver paying $2.1K annually, even after costs had eased in 2025.
Credit history mattered: drivers with poor credit paid 40% more for full coverage than those with excellent credit, based on comparable profiles.
Shopping made a measurable difference: outstanding-credit drivers who compared policies within 2 yr paid 20% less than similar drivers who did not.
Many drivers trusted their current deal: 64% felt satisfied, while 57% said they would absorb a 10% hike before comparing other options.
Practical savings steps included comparing policies, bundling coverage, practicing safe driving, paying in full, and checking options before a current policy ended.
