Switching Auto Insurance Providers in 2025: Analytics on Savings and Satisfaction

Switching auto insurance providers in 2025 is more common—and more rewarding—than ever, as rising premiums and improved online comparison tools drive record numbers of consumers to shop around. Here’s what the latest analytics and consumer reports reveal:

• 57% of drivers shopped for new auto insurance in the past year, the highest level ever recorded by J.D. Power in its 19-year study history.

• Nearly half of all drivers (56%) either switched or considered switching in the last 12 months.

• Even traditionally loyal, high-value customers are now unlikely to renew with their current insurer, with retention rates dropping across all customer segments.

• 92% of customers who switched auto insurance saved money, according to LendingTree’s 2025 survey.

• 63% of switchers saved $100 or more per year; the median amount needed to motivate a switch is $100 per month ($1,200 annually).

• Savings vary by state, but with premiums up 45% since 2019, even modest reductions are significant for most households.

• Better rates are the top reason (76%) for switching, followed by improved coverage (40%).

• Other motivators include dissatisfaction with claims service, bundling opportunities, and new customer discounts.

• The current market is a “buyer’s market,” with insurers focusing on customer retention, leading to improved service and claims processing for both new and existing customers.

• Many drivers report not just lower premiums but also better service and digital experiences after switching, especially as insurers compete harder for business.

•  make it easier than ever to compare and switch, reducing the hassle and time required.

• Negotiating with your current provider is also effective: 21% of drivers contacted their insurer for a lower rate, and 38% considered it.

• Experts recommend shopping for quotes at every renewal—even if you’re satisfied—since rates and discounts change frequently.

Switching auto insurance providers in 2025 can yield substantial savings—often $100 or more per year—and may also improve your service experience. With record numbers of drivers shopping around and insurers competing harder for your business, it’s a prime time to compare quotes, negotiate, and make the switch if you find a better deal