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How Loyal Are You to Your Insurance Company?

Only 29% of People Are Regularly Comparing Rates

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By Susan Meyer
Updated October 24, 2025
Reviewed By Beth Swanson
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Susan Meyer

Senior Editorial Manager

Susan is a licensed insurance agent and has worked as a writer and editor for over 10 years across a number of industries. She has worked at The Zebr…

Credentials
  • Licensed Insurance Agent — Property and Casualty
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Beth Swanson

Insurance Analyst

Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • Associate in Insurance
  • Professional Risk Consultant
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  1. Average Length People Stay
  2. How often people compare rates
  3. What keeps customers loyal?
  4. Should you stay with your insurance company?
  5. Why compare regularly?

Do You Love Your Insurance Company?

For many of us, when we pay for insurance, our best hope is that we don’t have to think about our policy too often.

If we don’t have any accidents or damages that lead us to file a claim, then everything is going well. In fact, if all things are going well, the main time you may think about your insurance company is when they send you a bill. 

Insurance companies try to keep customers loyal by offering loyalty programs or incentives, or by providing a better customer experience. But is it working? We recently asked customers how long they have been with their current insurance company and what keeps them there, and this is what we found out.

The Length of Time People Stay with Their Insurance Company

We asked currently insured people how long they had been with their current insurance company. Usually, there is a clear winner in a survey question, but the data on this one is surprisingly mixed. 

The number of people who had been with their current insurance company for less than a year was around 21%, which is only slightly less than the other answer choices. The number of people who had been with their insurance companies 1 to 2 years, 2 to 5 years, and more than 6 years was almost identical (around 26%). According to one source, the average time people stay with a single insurance carrier is about 5 years.[1]

People Don’t Have Wandering Eyes When It Comes to Insurance Companies

Most sources recommend shopping for insurance every 6 months for a number of reasons (which we’ll elaborate on below).

Suffice it to say, many people aren’t doing that. 

Of the people we surveyed, only 29% shopped for insurance every 6 months. Of the remaining, 71% of insurance customers (more than half) didn’t even shop yearly; they reported comparing rates every few years.

What Keeps Insurance Customers Loyal?

Finally, we asked insurance customers why they were staying with their current company for multiple years (for the majority of respondents).

Not surprisingly, the largest group of respondents (44%) said cost was the biggest factor. However, interestingly, since less than half are regularly checking prices, they might not be aware of a price drop and could be leaving money on the table.

The second biggest reason for customer loyalty in insurance was the service provided. Another compelling reason was bundling. People who had multiple policies bundled together might be more reluctant to switch over multiple policies (which is one of the reasons insurance companies reward this extra loyalty with bundling discounts).

A small selection (around 7%) of people said they just hadn’t gotten around to comparing prices.

Should You Stay with Your Current Insurance Company?

Now the bigger question: should you be loyal to your insurance company?

In some cases, the answer might be yes. After all, the primary goal of insurance is to provide peace of mind in the event of an accident. And if you’ve had a history of positive interactions with your insurance company and feel like they have your back, then you’re probably getting your money’s worth. 

That said, if you (like 44% of our survey respondents) are price-motivated, you might want to give comparing rates every 6 months another look.

Why You Should Compare Insurance Rates Every 6 Months

When it comes to insurance, loyalty doesn’t always pay off. Many people stick with the same insurer for years, assuming they’re getting the best deal, but that’s often not the case. Comparing insurance rates every six months can save you money and ensure you’re getting the coverage you need.

1. Rates Change Frequently

Insurance companies constantly adjust their pricing models based on factors like market trends, inflation and claim data. A rate that was competitive six months ago might not be now. By shopping around regularly, you can catch price drops or better offers before you overpay.

2. Your Circumstances May Have Changed

Insurance companies look at a number of both driving and non-driving rating factors when pricing your insurance. Your driving record, credit score, age or even ZIP code can affect your insurance premium. If you’ve improved your credit, paid off a loan, or gone accident-free for a while, you could qualify for lower rates — but only if you compare quotes and switch when it makes sense.

3. New Discounts May Be Available

Insurers frequently introduce new promotions or discount programs. For example, some offer lower rates for using telematics devices, bundling multiple policies or maintaining good driving habits. Regularly reviewing quotes ensures you’re not missing out on these savings.

4. It’s Easier Than Ever to Track Prices

Online comparison tools make checking rates quick and hassle-free. In just a few minutes, you can see side-by-side quotes from multiple insurers and decide whether it’s time to make a switch. Even better, with The Zebra you can sign up for price tracking. This enables you to follow any changes in your insurance rates with price drop email alerts.

Wrapping Up

There's nothing wrong with being loyal to your insurance company if you're happy with them. And it seems like the majority of people we talked to are happy enough to stay for several years.

However, if rising prices have your budget squeezed, you might want to start regularly checking rates to make sure you're still getting the best deal for the coverage you need. 

Methodology

The survey above on insurance consumer loyalty was conducted as part of a monthly user survey through the Marble App. It had 1,000 respondents.

In addition to our quoting process, The Zebra gathers anonymized insights through monthly surveys in the Marble App. Using interactive "action cards," we collect real-time data that reflects evolving customer needs, enhancing our ability to provide relevant, accurate advice.

The same rigorous data anonymization, aggregation, analysis, and recommendation processes described for our anonymized user surveys are applied to ensure privacy and reliability.

Sources

  1. How long to people stay with their insurance company? [Square Insurance]