If it’s been more than a year since you compared car insurance quotes, you could be overpaying. Rates fluctuate frequently — not just because of your personal driving history, but due to changes in your zip code, vehicle, insurance market, or even your credit score.
In this guide, we’ll explain the best times to shop around for better car insurance rates — and how doing it at the right moment could save you hundreds (or more) per year.
Why Shopping Around Matters
Insurance companies don’t all calculate risk the same way. One insurer might penalize a speeding ticket heavily, while another barely raises your rate. Comparing multiple quotes ensures you’re not stuck with the highest price for no reason.
Pro tip: Even loyal customers aren’t guaranteed the lowest rate. In fact, staying with the same provider too long may result in “price optimization” — where your rates rise simply because you’re unlikely to leave.
Top 8 Times to Shop for Better Auto Insurance Rates
1. Your Policy Is About to Renew
Use your renewal notice as a reminder to compare rates. Switching before renewal avoids cancellation fees and ensures no coverage gap.
2. You’ve Had a Major Life Change
- Got married or divorced
- Moved to a new ZIP code
- Bought a home
- Started working remotely
All of these can affect your premium — in both directions.
3. You Bought a New Vehicle
Different cars carry different risks. If your new car has high safety ratings or low theft rates, you may qualify for better deals.
4. You’ve Improved Your Credit Score
In most states, a better credit score can mean significantly lower rates. If yours has improved, it’s time to requote.
5. You Got a Traffic Violation or Accident (or One Dropped Off)
Even if your rate went up, another provider might still offer a better price. And when old incidents drop off your record, your rate should too — but don’t assume your insurer will update it automatically.
6. Your Commute Changed
If you now drive less (e.g., due to remote work or job change), you may qualify for low-mileage discounts or usage-based insurance.
7. You’ve Been with the Same Insurer for 3+ Years
Even if nothing changed, insurers may gradually increase your rate over time. Compare every 1–2 years to stay competitive.
8. Rates Have Dropped in Your Area
Insurance premiums rise and fall by ZIP code. If competition increased locally, you could save — but only if you check.
How Often Should You Compare Car Insurance Rates?
Once a year is ideal. But if your life changes, your car changes, or your rate unexpectedly increases, don’t wait — start comparing immediately.
Comparison takes just minutes with online tools and could save you hundreds or even more over time.
Final Thoughts
Car insurance isn’t set-it-and-forget-it. Knowing when to shop around can make a huge difference in what you pay. Use life changes, renewal reminders, and annual check-ins as triggers to compare policies and keep your coverage affordable — without sacrificing protection.
You might be one quote away from serious savings.