Transportation · BLS CPI-U · 1997–2026
Car insurance Inflation — U.S. Consumer Price Index
As of June 2026, the CPI-U index for Motor vehicle insurance is down 4.1% from a year earlier. Motor vehicle insurance premiums.
Data: U.S. Bureau of Labor Statistics, Consumer Price Index for All Urban Consumers (CPI-U). pumsdata is an independent product and is not affiliated with or endorsed by BLS.
Car insurance: year-over-year inflation, 1998–2026
Percent change from the same month a year earlier, from the not-seasonally-adjusted CPI-U index.
October 2025 is missing from every CPI series — the federal government shutdown halted collection and the month was never published. Charts show a gap, and year-over-year and month-over-month figures skip any comparison touching the missing month; values are never interpolated.
Car insurance: annual averages
BLS annual-average index (the CPI file’s M13 rows, shown verbatim) and the year-over-year change in that average — the standard “annual inflation” figure.
| Year | Annual avg. index | Annual inflation |
|---|---|---|
| 2025* | 893.5 | +6.0% |
| 2024 | 843.1 | +17.8% |
| 2023 | 716.0 | +17.4% |
| 2022 | 609.8 | +7.9% |
| 2021 | 565.3 | +3.8% |
| 2020 | 544.6 | -4.6% |
| 2019 | 571.0 | +0.9% |
| 2018 | 566.0 | +7.4% |
| 2017 | 526.9 | +7.7% |
| 2016 | 489.1 | +6.2% |
| 2015 | 460.6 | +5.4% |
| 2014 | 437.2 | +4.2% |
| 2013 | 419.4 | +4.2% |
| 2012 | 402.5 | +3.6% |
| 2011 | 388.7 | +3.6% |
| 2010 | 375.2 | +5.1% |
| 2009 | 357.0 | +4.5% |
| 2008 | 341.5 | +2.5% |
| 2007 | 333.1 | +0.4% |
| 2006 | 331.8 | +0.6% |
| 2005 | 329.9 | +2.1% |
| 2004 | 323.2 | +2.8% |
| 2003 | 314.4 | +7.8% |
| 2002 | 291.6 | +8.8% |
| 2001 | 268.1 | +4.4% |
| 2000 | 256.7 | +1.1% |
| 1999 | 253.8 | -0.2% |
| 1998 | 254.3 | +1.1% |
| 1997 | 251.6 | — |
*The 2025 annual average reflects the eleven published months — October 2025 was never collected because of the federal government shutdown.
Car insurance inflation — FAQ
What is the current Car insurance inflation rate?+
As of June 2026, the CPI-U index for Motor vehicle insurance is down 4.1% from a year earlier (not seasonally adjusted). Month over month, the seasonally adjusted index moved -2.0% in June 2026.
When was Car insurance inflation highest since 1997?+
By annual averages, the biggest increase since 1997 came in 2024, when the Motor vehicle insurance index rose 17.8% over 2023.
Is Car insurance inflation higher than overall inflation?+
As of June 2026, the Motor vehicle insurance index is down 4.1% year over year, versus up 3.5% for overall inflation (all items CPI-U). Car insurance prices are down over the past year even as overall inflation (all items CPI-U) is up.
Why is October 2025 missing from the Car insurance data?+
October 2025 is missing from every CPI series — the federal government shutdown halted collection and the month was never published. Charts show a gap, and year-over-year and month-over-month figures skip any comparison touching the missing month; values are never interpolated.
Data: U.S. Bureau of Labor Statistics, Consumer Price Index for All Urban Consumers (CPI-U). pumsdata is an independent product and is not affiliated with or endorsed by BLS.