Do auto insurance quotes change daily?

It's likely that auto insurance quotes do not change daily. Rates charged by licensed companies have to be approved by the state’s Department of Insurance. Unfortunately, a carrier’s rate filing won’t stay valid or relevant forever. An auto insurance company can change it's rates whenever they wish, as long as they don't violate state laws.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Dec 10, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to remember...

  • A car insurance quote is an estimate showing you how much you could potentially pay for a specific amount of coverage from any individual company
  • When you request auto insurance company quotes, the estimates that you’re given will only be as accurate as the information that you provided
  • Comparing car insurance discounts is just as important as getting the best quote
  • If you provide misinformation and the insurer discovers the truth during underwriting, your premiums will change
  • Most companies won’t guarantee your rates unless you fill out an application, select an effective date, and submit the application
  • If an insurance company adjusts their rates by submitting a new rate filing, the total premium that you were quoted weeks or months before can change

If you’re shopping the auto insurance market to find low-cost premiums, it’s your job to compare quotes from multiple carriers to ensure you get the best coverage for the lowest price.

Each auto insurance company that’s licensed to sell private passenger car insurance can set their own rates as long as they are fair and don’t discriminate against any specific groups of customers.

Since rates can be dramatically different from one carrier to the next, it only makes sense for consumers to shop around.

Timing your mission to comparison shop is a must. As you shop around, you could find the perfect policy that’s cheaper than the one you’re currently paying.

Unfortunately, that rate quote isn’t guaranteed. If you procrastinate too long, the quote could change and you could miss out on savings.

Enter your zip code above and find car insurance that works for your budget!

Here’s what you need to know about insurance rate quotes:

Insurance Companies Change Their Rates on Occasion


When an insurance company accepts an auto insurance application and extends coverage to a driver, they are taking on risk.

Since each account on file can cost the insurer money, it’s imperative that companies assess risk, project costs, and then set their base rates so that the company can stay profitable each year.

Rates charged by licensed companies have to be approved by the state’s Department of Insurance. Unfortunately, a carrier’s rate filing won’t stay valid or relevant forever.

There will come a time where the company’s book of business and trends in the market will have to be reassessed.

At this time, authoritarians will decide on a new rate and file it for approval with the department.

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Are the quotes that you receive through an insurer guaranteed?

A quote is an estimate. In most industries, when you’re getting an estimate to buy a product or have labor performed, the amount that you’re quoted is only guaranteed for a limited period of time.

How long you have to make a decision will be on detailed on your estimate.

While some companies will honor the quote that you were given for a few days or a week, most carriers don’t guarantee that the rates will be the same if you don’t apply at that very moment.

This is why it’s important to shop for auto insurance when you’re serious about switching to a new carrier.


Can the quote that you’re given change after you apply for coverage?

When you’re shopping around, you should thoroughly look over a handful of options before you apply.

After you’ve decided which quote is best, you can proceed by filling in all of your information that’s missing, selecting the date you want coverage to begin, and making a payment for at least the first month’s estimated premium.

While a payment is required to start the policy, the application still has to be reviewed and underwritten.

The underwriter will run your driving report and your claims report to be sure your information is accurate. If new discoveries are made, the company has the right to change your final rate.

You must agree with the new rate before the policy is issued.

Other Reasons Auto Insurance Quotes Can Change Regularly

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Rates don’t only fluctuate when a carrier is approved for a rate change. While company-wide rate increases are a very common reason for a quote going up or a renewal premium jumping, some of your own personal rating factors could have a dramatic impact as well.

As time passes, your personal rates could change because of changes in risk. It’s important that you recognize how a few updates to your quotes could lead to different rate quotes.

Here are some of the common factors that instantly affect your rates:

  • Years of driving experience
  • Moving violation convictions
  • At-fault accident declarations
  • Vehicle usage
  • Annual mileage
  • The type of vehicle being insured
  • Credit rating
  • Marital status of the driver
  • Garaging zip code

Every insurance company offers a different menu of discounts. If you want to find a carrier that offers the most discounts, you need to compare rates.

By getting online rate quotes, you could potentially save hundreds of dollars in a matter of a few minutes.

Enter your zip code below to save on your auto insurance!

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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