Auto insurance costs continue to rise: as of November 2025, the national average cost of car insurance in the United States is $2,316 per year or $193 per month, according to Experian data. Stats from Bankrate report that this marks a 12% annual increase in full-coverage car insurance in the United States.
With those numbers in mind, it’s not surprising that drivers are feeling the squeeze.
There will always be factors outside of your control that influence car insurance rates, but there will also still be practical steps you can take to lower your car insurance costs in 2026.
The goal? Not to cut coverage blindly, but instead, to make smarter decisions that align your policy with how you actually drive and live.
How to Save on Car Insurance in 2026
Below, we cover 10 tested strategies for drivers to implement that can help them lower auto insurance costs without sacrificing dependable coverage.
1. Review Your Policy Every Year
Policies should change as your life changes. A new job, a shorter commute, or a vehicle upgrade can all affect your rate.
An annual policy review allows your insurance agent to adjust coverage, apply new discounts, or identify savings that were not available before. Many drivers overpay simply because their policy no longer reflects how they drive.
2. Adjust Your Deductible With Care
A higher deductible usually results in lower monthly premiums. This option works best when you have savings set aside to cover unexpected repairs.
The key is balance. Your deductible should feel manageable if you need to file a claim, not stressful.
3. Bundle Insurance Policies
Bundling auto insurance with homeowners or renters insurance often reduces total costs. Many insurance carriers reward clients who keep multiple policies under one provider.
Bundling also simplifies things when it comes time for renewals and billing.
4. Update Your Annual Mileage
Lower mileage often equals lower risk. If you work remotely, carpool, or drive less than before, your policy should reflect that.
Drivers in Salt Lake City who reduce daily commuting often qualify for lower rates once mileage is updated.
5. Consider Usage-Based Insurance Programs
Usage-based programs track driving habits such as braking, speed, and time of day. Safe drivers may earn discounts after a monitoring period.
These programs suit drivers with steady routines and cautious habits.
6. Maintain a Strong Credit Profile
In many states, insurance pricing considers credit-based factors. On-time payments and reduced debt can lead to better insurance scores.
While changes take time, steady improvement can affect future renewals.
7. Choose Vehicles With Insurance Costs in Mind
Before purchasing a vehicle, consider how it impacts your insurance rate. Cars with strong safety ratings, lower repair costs, and standard features tend to cost less to insure.
High-performance engines and luxury trims often increase premiums.
8. Remove Coverage That No Longer Fits
If your vehicle has low market value, full coverage may not be necessary. Collision and comprehensive coverage may cost more than the car is worth.
An agent can help determine when removing coverage makes sense.
9. Ask About Available Discounts
Discounts for safe driving, safety features, and claim-free history are common. Some carriers also offer loyalty incentives.
Discounts are not always applied automatically, so it pays to ask.
10. Work With an Independent Insurance Agent
Independent agents like us at ASA Insurance compare multiple carriers, including Bear River Mutual, Progressive, Liberty Mutual, Dairyland, and others. This allows you to explore options without restarting the process each time.
Saving on auto insurance is often about strategy rather than sacrifice. A thoughtful review can lead to real savings that last.
10 Tested Ways to Save on Auto Insurance in 2026
Some of the most impactful car insurance savings come from small adjustments that add up over time. The most effective approach, as we’ve seen, will depend on things like your vehicle, driving habits, and coverage needs.
Want help reviewing your current auto insurance policy or exploring options that may lower your costs in 2026? Speaking with an experienced agent at ASA Insurance in Salt Lake City will help clarify your choices.
Contact ASA Insurance to schedule a conversation and review your auto insurance options.
