What's the Best Time to Shop for Car Insurance Quotes?

Although car insurance pricing is relatively static, there are good and bad times to purchase a policy.

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When should you shop for car insurance quotes?

This depends on two variables: you and the car insurance industry. The best time to shop for car insurance quotes is immediately after any life event or change that might impact your rates. Looking at the car insurance industry as a whole, December is typically a good time of year to shop around.

When is the best time to shop for car insurance?

1. After important life events
2. Before annual insurance filings
3. Additional resources


The best time to get quotes depends on your personal situation

Car insurance companies use aspects of your life — rating factors — to determine your premium. When these rating factors change, it can lead to big shifts in your rates. Primary insurance rating factors include age, driving record, and credit score.


Because the number of years of driving experience is a major rating factor used by all insurers, a birthday can result in discounted insurance rates. A driver in their 20s pays $457 more per year for car insurance than does the average driver in their 30s.

Age GroupAverage 6-Month Insurance PremiumDifference


Overall, drivers aged 16-19 pay the most for car insurance. There is a price difference of over $1,300 per year between 18-year-old and 19-year-old drivers. If you’re a young driver or a parent insuring a teen driver, keep these key birthdays in mind.

AgeAverage 6-Month PremiumDifference

Learn more about how age impacts car insurance rates.

Driving record

Every state and every insurance company uses driving history to set its rates. Insurance companies use a driver's previous behavior as a way of predicting future driving outcomes. "Previous driving history” does not include your entire driving history. While the statute varies by state and violation, most at-fault accidents, tickets, and other citations will only impact your premium for three to five years.

An example: after colliding with a pole in August 2017, you file a collision claim with your current car insurance provider. By August 2020, your premium should no longer be rated for that at-fault accident. However, if your policy doesn’t renew in August, it’s very unlikely your premium will reflect the accident “falling off” your record. This is why it’s important to shop for new car insurance occasionally.

Because your current insurance company will not automatically update your premium, you should shop for car insurance after any type of chargeable violation falls off your insurance record.

See below to see the impact that at-fault accidents, speeding tickets, and other common charges have on insurance premiums.

Violation/CitationAverage 6-Month PremiumDifference From No Violations
Reckless Driving$1,293$519
Driving With Suspended License$1,295$521
At-Fault Accident — Damages Greater Than $2,000$1,157$383
Speeding — 16-20 MPH Over Limit$966$192
Texting While Driving$952$178
Cell Phone Violation$951$177


For more information on how your driving record can impact your car insurance policy, see our guides below.


Credit score

Any changes to your credit score will affect your insurance premium. Credit is viewed by nearly all insurers is a risk indicator. Studies show drivers with poor credit tend to file claims more often than drivers with better credit. These claims tend to be more costly for car insurance companies. As a result, drivers with lower credit tend to pay much more for car insurance.



If your credit has improved between policy periods, this is a great time to shop for car insurance. Just as with a violation or claim falling off your record, your current provider will not automatically review your credit score if it changes. So keep your credit in mind when thinking about the best times to shop for car insurance.

For more information regarding car insurance and credit scores, see our additional resources:


The best time to shop depends on your auto insurance company

While not as impactful as rating factors directly related to you, understanding the way car insurance companies price premiums can be helpful. Car insurance companies use end-of-year claim filings to set their rates moving forward. If in the prior year, the insurance company paid out more in claims than it earned in premiums, you can expect to see a rate hike as a result.

These "rate revisions" occur every year. An increase in insurance premiums is common after natural disasters, such as hurricanes or wildfires, in which an insurance company had to pay out a large number of claims in a short period of time.

Although this is difficult to predict, you can set aside time in December to shop for car insurance for the coming year.



Additional resources

Car insurance is a state-regulated industry, so you typically won't find holiday savings or promotions. Trying to anticipate insurance companies' rate revisions can be hit or miss. The best time to shop for car insurance occurs immediately following life events that result in personal rate revisions. If you celebrate a birthday, improve your credit score, or have a violation fall off your record, you should consider that a sign to shop around.

While we only mentioned three key life events, below are other events which may impact insurance rates:

If you’ve experienced one of these life events, you should shop for car insurance. Enter your ZIP code below to see how much you could be saving with dozens of local and national companies.

Shop today and find an affordable policy!

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Ava Lynch
Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.