How much has car insurance gone up since 2020?
+55.4% from the 2020 average to September 2026, so $100 of car insurance in 2020 costs $155.35 now. All prices rose +30.2% over the same time (BLS CPI-U, not seasonally adjusted).
How much car insurance has gone up
-5.0% in the last 12 months, +55.4% since 2020 · BLS, September 2026
Last 12 months-5.0%all prices +3.7%
Since 2020+55.4%all prices +30.2%
Since 2000+229.6%all prices +95.7%
A year since 19695.62%all prices 3.95%
What $100.00 of car insurance in 2020 costs in September 2026
$155.35- Car insurance since 2020
- +55.4%
- All prices since 2020
- +30.2%
- Faster than inflation by
- 25.2 points
Car insurance against all prices since 2000
Both indexes set to 100 in 2000. Car insurance has risen faster than prices overall since 2020.
Car insurance by year
| Year | Car insurance | All prices |
|---|---|---|
| Last 12 months | -5.0% | +3.7% |
| 2025 | +2.8% | +2.7% |
| 2024 | +11.3% | +2.9% |
| 2023 | +20.3% | +3.4% |
| 2022 | +14.2% | +6.5% |
| 2021 | +4.1% | +7.0% |
| 2020 | -4.8% | +1.4% |
| 2019 | +0.0% | +2.3% |
| 2018 | +4.6% | +1.9% |
| 2017 | +7.9% | +2.1% |
| 2016 | +7.0% | +2.1% |
| 2015 | +5.7% | +0.7% |
| 2014 | +4.7% | +0.8% |
| 2013 | +3.3% | +1.5% |
| 2012 | +4.7% | +1.7% |
| 2011 | +3.4% | +3.0% |
| 2010 | +4.4% | +1.5% |
| 2009 | +4.7% | +2.7% |
| 2008 | +4.0% | +0.1% |
| 2007 | +0.5% | +4.1% |
| 2006 | +0.8% | +2.5% |
| 2005 | +1.0% | +3.4% |
| 2004 | +3.4% | +3.3% |
| 2003 | +4.5% | +1.9% |
| 2002 | +9.0% | +2.4% |
| 2001 | +7.3% | +1.6% |
| 2000 | +1.8% | +3.4% |
| 1999 | +0.5% | +2.7% |
| 1998 | -0.3% | +1.6% |
| 1997 | +2.4% | +1.7% |
| 1996 | +3.8% | +3.3% |
| 1995 | +4.3% | +2.5% |
| 1994 | +3.4% | +2.7% |
| 1993 | +5.0% | +2.7% |
| 1992 | +6.6% | +2.9% |
| 1991 | +8.0% | +3.1% |
| 1990 | +7.5% | +6.1% |
| 1989 | +5.9% | +4.6% |
| 1988 | +8.4% | +4.4% |
| 1987 | +5.8% | +4.4% |
| 1986 | +11.8% | +1.1% |
| 1985 | +12.1% | +3.8% |
| 1984 | +7.8% | +3.9% |
| 1983 | +9.1% | +3.8% |
| 1982 | +8.6% | +3.8% |
| 1981 | +5.4% | +8.9% |
| 1980 | +7.3% | +12.5% |
| 1979 | +5.8% | +13.3% |
| 1978 | +3.5% | +9.0% |
| 1977 | +7.6% | +6.7% |
| 1976 | +22.4% | +4.9% |
| 1975 | +17.9% | +6.9% |
| 1974 | +0.7% | +12.3% |
| 1973 | -1.5% | +8.7% |
| 1972 | -1.3% | +3.4% |
| 1971 | +7.1% | +3.3% |
| 1970 | +10.6% | +5.6% |
| 1969 | +14.5% | +6.2% |
December to December, except the first row. U.S. Bureau of Labor Statistics, CPI-U series CUUR0000SETE: Motor vehicle insurance premiums. Source
Biggest moves
- Largest rises: 1976 (+22.4%), 2023 (+20.3%), 1975 (+17.9%).
- Largest falls: 2020 (-4.8%), 1973 (-1.5%), 1972 (-1.3%).
Cite or link to this page
Citation
insytesBI. (2026). Car insurance inflation since 1969. Data: U.S. Bureau of Labor Statistics, CPI-U, September 2026. https://www.insytesbi.com/calculators/inflation/car-insurance/Link
<a href="https://www.insytesbi.com/calculators/inflation/car-insurance/">Car insurance inflation since 1969</a>Frequently asked questions
What is the inflation rate for car insurance now?
-5.0% over the 12 months to September 2026, against 3.7% for all prices.
When did car insurance rise the most?
In 1976: +22.4% from December to December. Next were 2023 (+20.3%) and 1975 (+17.9%).
Has car insurance risen faster than inflation?
Yes: since 2000 car insurance has changed +229.6%, against +95.7% for all prices. Since 1969 the average is 5.62% a year, against 3.95% for everything.
Where do these numbers come from?
The U.S. Bureau of Labor Statistics consumer price index for motor vehicle insurance premiums (series CUUR0000SETE, U.S. city average, not seasonally adjusted), every month since 1969, refreshed after each monthly release.