The Best Time to Re-Shop Your Auto Insurance Policy

Together with partner Keith Signoriello, Ben Cavallo is the principal and co-owner of C&S Insurance, headquartered in Mansfield, Massachusetts.

If you’ve noticed your car insurance getting more expensive, you’re not alone—full coverage auto policies are about 12% higher in 2025 compared to 2024. That’s why it may be the perfect time to re-shop your auto insurance policy. Rising repair costs have made claims more expensive for insurers, and many are passing those costs on to customers through higher premiums.

The good news? You don’t have to settle for steep rates. By shopping around, you might be surprised at how much you can save.

Why Shop Around for Auto Insurance

It’s often a smart move to re-shop your policy. You could be overpaying without realizing it—either for more coverage than you need or for coverage you could get elsewhere at a better rate.

Insurance rates constantly fluctuate due to market trends, competition, and even your own driving history. Plus, many companies offer promotions and discounts to attract new customers.

That’s why checking the market regularly is one of the best ways to make sure you’re not leaving money on the table.

When to Shop Around for Auto Insurance

While there isn’t a single “best time of year” to shop for auto insurance, certain situations make it especially worthwhile:

Adding a new driver to your policy: This can sharply increase rates, so comparing quotes is wise.
Removing a driver: Dropping a driver often lowers your premium, and switching providers could save you even more.
Moving to a new state: Different states have different insurance requirements and risk factors. You’ll usually need proof of insurance within 30–60 days of moving.
Buying a new vehicle: A new car may raise your rates. Shopping around can help offset the increase.
Adjusting your budget: If your financial situation changes, checking for lower rates can free up cash.
Unsatisfied with customer service: If your insurer isn’t meeting your needs, a switch may improve both service and savings.
After an accident or claim: Rates often rise after a claim—getting quotes may reveal more affordable options.
After improving your driving record: Safer driving could qualify you for lower premiums.
After improving your credit score: Since credit can factor into rates, a better score might mean a better deal.
After your 25th birthday: Rates often drop significantly once you pass this milestone.
Before your policy renews: Premiums may rise at renewal, so it’s a good time to compare.
In December: Some insurers reassess rates at the start of the year, making December a good time to review your options.

Even if you’re not experiencing higher rates, it’s a good habit to compare your policy with other companies every 6–12 months.

When Not to Shop Around

Switching insurers is usually fine, but it may not be the best idea if you’re:

In the middle of filing a claim
Facing cancellation penalties or “earned premium” fees
Benefiting from loyalty or bundling discounts that outweigh potential savings

When in doubt, talk to an agent before making the switch.

How to Shop Around for Auto Insurance

You have a couple of options:

Use online quote comparison tools to quickly see what other companies are charging.
Work with an independent agent who can assess multiple insurers and find the best fit for your needs.
Be prepared to provide personal details and vehicle information either way.

The good news: there’s typically no penalty for switching policies. If you’ve prepaid your premium, you’re entitled to a prorated refund.

Ready to Save?

Looking for help comparing policies or finding new ways to cut costs? Speak with a C&S agent today, we’ll help you find coverage that fits your needs and your budget.