Free calculator · no signup
Why did your auto insurance go up?
Drop in your previous and current monthly premium. We'll show the dollar + percentage increase, the annual cost impact, and whether the hike crosses the threshold where comparing carriers tends to make sense.
The monthly amount from your last renewal. If you pay every six months, divide the six-month total by 6.
The new monthly amount — pulled from your renewal letter or the first bill at the new rate.
In plain English
Your premium went up 25.0% — about $35/month or $420 per year. Above ~10%, comparing 2–3 alternative carriers often surfaces a lower-cost option.
Rule of thumb: Premium increases above 10–15% typically warrant a quick comparison shop. Different carriers reprice their books on different cycles — yours may not be the cheapest option anymore even if it was at the previous renewal.
Estimates are for educational purposes only. Actual auto-insurance premiums vary by provider, state, ZIP code, vehicle, coverage limits, deductibles, driving record, and insurance credit score.
What this means for you
What to do next
A 5-10% renewal hike is normal. A 15%+ hike means your carrier is signaling they don't want your business — and you can almost always do better by shopping. Most drivers who switch after a >15% renewal save $250-$600/yr at identical coverage levels.
Compare insurance carriersAssumes: Rate-hike impact uses the cumulative 5-year cost differential at your current premium tier. Real-world hikes compound — most carriers raise rates 4-8% annually even without claims activity.
Connected calculators
One number leads to the next.
Affordability sets your budget. Loan math sets your payment. Insurance + total cost set your real monthly. Move between any of them in one click.
Auto Loan Calculator
OpenAuto Refinance Savings Calculator
OpenCar Affordability Calculator
OpenTotal Car Ownership Cost Calculator
OpenInsurance Cost Estimator
OpenTrade-In Value Estimator
OpenLease vs. Buy Calculator
OpenBi-Weekly Payment Calculator
OpenTitle, Tax & Fee Calculator
OpenTotal Interest Paid Calculator
OpenInsurance Premium Predictor
OpenIs an Extended Warranty Worth It Calculator
OpenSignificant increase
Your premium jumped 25.0% — about $420 per year.
Increases above 25% are often driven by a single factor (new claim, address change, credit-tier shift, vehicle replacement). It's almost always worth pulling 2–3 alternative quotes.
Free · No obligation · 2 min
CarSavr may earn a commission when you connect with a lender or insurer through our links — it never changes how our editors rank or score providers, and you pay nothing extra. Read our full advertiser disclosure.
Related guide
How to lower your auto-insurance premium