How we got $1,100

The headline “average annual savings” we surface on the homepage ticker is $1,100/year. This page documents exactly where that number comes from, what bounds it sits between, and how to estimate your own savings before quoting.

1. Source — Insurify SEM headline, n=151,494

The flagship $1,100/yr figure is the Insurify SEM headline (“Save up to $1,100 on your annual premium”), based on initial quotes received by 151,494 customers seeking insurance through Insurify in 2026. Insurify is one of the largest U.S. auto insurance comparison networks; their headline is calibrated against real-quote outcomes, not synthetic surveys, which is why we lead with it.

• Sample: 151,494 customers comparing in 2026
• Universe: drivers actively shopping (not the general population)
• Measure: reduction from current premium to the cheapest comparable quote returned
• Reproducibility: the SEM headline is publicly stated in Insurify's paid acquisition copy and on their homepage

2. Lower bound — Insurance Information Institute, $487 median

The peer-reviewed lower bound is the Insurance Information Institute's 2024 finding: drivers who compare 3+ carriers save a median of $487/yr. This figure is robust but reflects the median across all shoppers regardless of starting carrier, including drivers who were already on a competitively-priced plan.

Both figures are correct. We lead with the Insurify headline because it's the upper end of what a renewed-on-autopilot shopper can realistically capture — which is the relevant number for a reader landing on a comparison site. We cite the III floor on the dedicated state-page hero rows and editorial guides where the broader-population framing is more appropriate.

3. Why your number will differ

Six factors determine where your personal savings will land in the $400-$1,800 envelope:

• State: Florida and Michigan drivers see the largest absolute savings ($1,500-$1,800) because their averages are 2-3x the national mean. New Hampshire and Vermont drivers see less ($400-$600) because state averages are already low.
• Current carrier: if you're already on GEICO/Progressive direct, your switching savings cap is smaller than if you came off a captive-agent renewal.
• Coverage limits: minimum-liability shoppers have less to optimize than full-coverage shoppers. The $1,100 figure is calibrated against full-coverage stacks.
• Tenure: drivers who haven't shopped in 5+ years have absorbed more “loyalty pricing” drift and capture larger deltas.
• Driving record: a single at-fault claim narrows the carrier menu eligible to quote you and shrinks the available delta.
• Credit-based insurance score: applies in 47 states. Higher scores unlock the most competitive carriers and therefore the steepest deltas.

4. Estimate your savings by state

5. How to actually capture the savings

Three steps, in order:

1. Compare 3+ carriers, not 2. Insurify's research and our own affiliate-network data both confirm that the second-cheapest carrier in any state is rarely the cheapest — the marginal gain from comparing 3-5 vs. just 2 is typically $200-$400/yr.
2. Match the same coverage stack, line by line. A quote that's $400/yr cheaper because it dropped UM/UIM from 100/300 to 25/50 isn't saving you money — it's shifting risk back to you. Hold limits constant.
3. Switch mid-term if the gap is >$400. Cancelling early is almost always free + the new carrier pre-funds the policy. The break-even window is one billing cycle.

6. Change log

• 2026-02-18: Initial publication. Switched the homepage ticker + Hero from $487 (III 2024) to $1,100 (Insurify 2026).

Related

• Editorial methodology — site-wide rubric
• Auto Insurance carrier ranking methodology
• Compare auto insurance carriers
• Free auto insurance + loan calculators

CarSavr.com is an independent auto-finance research site. We may earn affiliate compensation when a reader switches via a partner network — disclosed on every product card and in our advertiser disclosure. Compensation never affects which carriers we rank highest.