Car insurance premium increase calculator
See how much your renewal went up, how it compares with national car insurance price changes, and the questions to ask your insurer.
Saved only in this browser. What you type stays on this device and is never sent to WhyInsurance.me. Anyone who uses this browser can see it, so use “Clear” when you finish on a shared computer.
Why renewals go up
Your premium can change at renewal because of something about you, like a new driver or a claim, or because your insurer raised rates for everyone in your area, for example when repair costs rise. Enter your old and new premiums from your renewal notice to see the size of the change.
Your renewal
- Change per term
- Percent change
- Change per year
- Change per month
Nationally, car insurance prices changed −5.1% over the 12 months through August 2026.
Source: U.S. Bureau of Labor Statistics, Consumer Price Index for motor vehicle insurance. It measures the average price change nationwide; your own premium can change more or less. See the insurance inflation tracker
Your premium went down. It’s still worth checking that your coverage didn’t change without you noticing.
Adding a driver, especially a teen or newly licensed driver, often raises premiums.
A newer or more expensive car usually costs more to repair or replace, which can raise collision and comprehensive premiums.
An at-fault accident or claim can raise premiums at renewal, often for several years. How long depends on your insurer and your state.
Tickets and other violations on a driving record can raise premiums.
Premiums depend partly on where a car is garaged, so moving, even within the same city, can change your rate.
Losing a discount, such as a multi-policy, good student, or safe-driver discount, raises what you pay. Ask which discounts are on your renewal.
Higher limits, lower deductibles, or added coverages cost more.
Your increase is well above the national trend and none of the common reasons apply. Ask your insurer or agent to explain in writing what changed, and compare quotes from other insurers.
Enter both premiums to see results.
What you can do
- Ask your insurer or agent what changed: your rate, your discounts, your drivers and vehicles, or your coverage.
- Check your driving record and claims history for mistakes.
- Compare quotes with the same coverage from other insurers. Use the quote comparison worksheet
- Consider a higher deductible only if you could pay it on short notice.
- In most states, insurers must file their rates with the state insurance department. If you think you’re being treated unfairly, you can contact yours. Find your state insurance department
About this estimate
This calculator is general education, not insurance, financial, or legal advice. It uses simple math on the numbers you enter and can’t account for everything about your situation. Your policy, your insurer’s rules, and your state’s requirements control what is covered and what it costs.
For advice about your own coverage, talk with a licensed insurance agent. Questions about an insurer or agent can go to your state insurance department.
More tools
Car insurance deductible calculator
Compare two deductibles: what you save on premiums, what you’d pay at claim time, and how long it takes to come out ahead.
Read more → ToolCar insurance quote comparison worksheet
Line up two quotes coverage by coverage, put their prices on the same yearly basis, and see where the coverage isn’t the same.
Read more →