{"id":13236,"date":"2026-07-16T18:23:32","date_gmt":"2026-07-16T18:23:32","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=13236"},"modified":"2026-07-17T19:12:05","modified_gmt":"2026-07-17T19:12:05","slug":"where-have-car-insurance-rates-decreased-in-2026","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/data-articles\/where-have-car-insurance-rates-decreased-in-2026\/","title":{"rendered":"Where Have Car Insurance Rates Decreased in 2026?"},"content":{"rendered":"\n

Car insurance rates have climbed sharply across the country in recent years, putting extra pressure on drivers already dealing with higher vehicle prices, repair costs, medical expenses, and everyday inflation.<\/p>\n\n\n\n

According to the Freeway Insurance 2026 Auto Insurance Rates Report<\/a><\/strong>, average auto insurance premiums increased approximately 23% nationwide from 2023 to 2026. More than 45 states experienced double-digit rate increases over that period, and 14 states saw increases of 30% or higher.<\/p>\n\n\n\n

Some markets experienced even larger changes. New Jersey saw car insurance rates increase by 57%, followed by Washington at 51% and the District of Columbia at 50%. Want to see where drivers are facing the biggest increases? Read The 10 States Where Car Insurance Is Rising Fastest in 2026<\/a><\/strong>.<\/p>\n\n\n

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While long-term costs remain higher than they were a few years ago, Freeway Insurance data shows a more complex story. In some states, average car insurance premiums decreased from Q1 2025 to Q1 2026, <\/strong>signaling that certain markets may be experiencing signs of stabilization.<\/p>\n\n\n\n

Using actual customer policy data, this analysis highlights the states where auto insurance<\/strong><\/a> rates decreased the most in 2026 and explores some of the market factors that may contribute to lower average premiums.<\/p>\n\n\n\n

Unlike quote estimates or broad industry projections, this Freeway Insurance report analyzes real policies purchased by customers under actual underwriting conditions.<\/p>\n\n\n\n

The findings below are based on single-policy, single-driver auto insurance policies, comparing Q1 2025 with Q1 2026. For more information about how the data was collected and analyzed, review the Data Methodology<\/strong><\/a>.<\/p>\n\n\n\n

While some states experienced decreases in average premiums, that does not mean every driver saw their rate go down. Auto insurance is highly personalized and can vary based on factors such as location, driving history, vehicle type, coverage level, age, credit where allowed, state regulations, weather-related risks, accident trends, and other rating factors.<\/p>\n\n\n\n

However, the data suggests that while affordability challenges remain, some insurance markets may be beginning to stabilize after several years of significant rate increases.<\/p>\n\n\n\n

States Where Freeway Customers Saw the Biggest Auto Insurance Rate Decreases in 2026<\/h2>\n\n\n\n

The biggest decreases were not limited to one region. States across the South, Northeast, Midwest, West, and Pacific Northwest all saw average premiums move lower year over year.<\/p>\n\n\n\r\n

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