Car insurance prices
Car insurance prices: down 5.0% in a year
The Consumer Price Index for motor vehicle insurance fell 5.0% in the 12 months to September 2026, compared with +3.7% for all items. The index is +47.7% above its January 2020 level. The fastest 12-month rise since 2007 was +22.6% in April 2024.
12-month change since 2007
Car insuranceAll items (overall inflation)
Percent change from the same month a year earlier, not seasonally adjusted
Insurance against the cost of what it pays for
Car insurers pay for repairs and replacement vehicles, so repair and used car prices are often discussed alongside premiums. The chart rebases each index to 100 in January 2020.
Car insuranceCar repairUsed cars and trucksAll items (overall inflation)
Index rebased to January 2020 = 100, not seasonally adjusted
Month by month
| Month | Index | 12-month change | All items, 12-month |
|---|---|---|---|
| September 2026 | 846.102 | -5.0% | +3.7% |
| August 2026 | 848.231 | -5.1% | +3.4% |
| July 2026 | 856.080 | -4.5% | +3.4% |
| June 2026 | 858.481 | -4.1% | +3.5% |
| May 2026 | 877.278 | -2.0% | +4.2% |
| April 2026 | 894.315 | +0.2% | +3.8% |
| March 2026 | 897.145 | +0.8% | +3.3% |
| February 2026 | 897.406 | +0.2% | +2.4% |
| January 2026 | 892.491 | +0.5% | +2.4% |
| December 2025 | 892.879 | +2.8% | +2.7% |
| November 2025 | Not published | Not published | +2.7% |
| October 2025 | Not published | Not published | Not published |
| September 2025 | 890.473 | +3.1% | +3.0% |
| August 2025 | 894.075 | +4.7% | +2.9% |
| July 2025 | 896.018 | +5.3% | +2.7% |
| June 2025 | 895.281 | +6.1% | +2.7% |
| May 2025 | 895.262 | +7.0% | +2.4% |
| April 2025 | 892.553 | +6.4% | +2.3% |
| March 2025 | 890.353 | +7.5% | +2.4% |
| February 2025 | 895.970 | +11.1% | +2.8% |
| January 2025 | 887.651 | +11.8% | +3.0% |
| December 2024 | 868.417 | +11.3% | +2.9% |
| November 2024 | 866.133 | +12.7% | +2.7% |
| October 2024 | 865.985 | +14.0% | +2.6% |
| September 2024 | 863.292 | +16.3% | +2.4% |
| August 2024 | 854.307 | +16.5% | +2.5% |
| July 2024 | 851.007 | +18.6% | +2.9% |
| June 2024 | 843.579 | +19.5% | +3.0% |
| May 2024 | 836.941 | +20.3% | +3.3% |
| April 2024 | 839.077 | +22.6% | +3.4% |
| March 2024 | 827.852 | +22.2% | +3.5% |
| February 2024 | 806.444 | +20.6% | +3.2% |
| January 2024 | 794.142 | +20.6% | +3.1% |
| December 2023 | 780.284 | +20.3% | +3.4% |
| November 2023 | 768.249 | +19.2% | +3.1% |
| October 2023 | 759.704 | +19.2% | +3.2% |
What this index measures
The CPI tracks the price of the same car insurance cover over time for urban consumers nationally. It is not an average premium and it does not show what any one driver pays. Changes in an individual premium also reflect the car, the driver, the location and the insurer.
Sources
- US Bureau of Labor Statistics, Consumer Price Index for All Urban Consumers (CPI-U), US city average, not seasonally adjusted, series CUUR0000 plus item code, retrieved through the BLS Public Data API
- US Bureau of Labor Statistics, CPI news release Table 2, September 2026
Checked 29 October 2026. BLS did not publish most October 2025 index values because of the 2025 lapse in federal appropriations, and did not publish November 2025 for motor vehicle insurance. Those months show as not published.