If it feels like your auto insurance rates have been undergoing staggering increases in the past few years, you’re not alone. According to a Bankrate survey, average car insurance rates for full coverage increased 12% in the United States from 2024 to 2025. Things like increases in vehicle repair and replacement costs, insurance company losses, and medical costs all affect insurance costs.

Studying the average increase in insurance rates doesn’t tell the whole story, though. The increase rates vary among different companies. You might be fortunate enough to have a policy from a company that didn’t raise rates much (if at all), allowing you to save on your car insurance. In a survey of its members, Consumer Reports measured which insurance companies had the most frequent recent premium increases. The nonprofit member organization – which provides advice to consumers before they make purchases — surveyed more than 40,500 of its members, asking them whether their auto insurance premiums had increased. 

CR recently released the results of its 2024 member survey, which showed that 60% of members reported a premium increase in the previous 12 months. Among the 29 insurance companies for which Consumer Reports received survey data, some companies increased rates for a much higher percentage of their customers than others. The five companies with rate hikes that affected the highest percentage of their customers in the Consumer Reports survey were PEMCO, Cincinnati, Mercury, NYCM, and MAPFRE.

In the Consumer Reports survey, members with auto insurance through PEMCO (Public Employees Mutual Casualty Company) reported increases far more frequently than customers of any other company. 91% of PEMCO customers reported a rate increase over the previous 12 months, far higher than the overall average of 60% of customers. Additionally, PEMCO’s increases were far higher from a monetary standpoint, as 53% of PEMCO customers participating in the Consumer Reports survey reported an increase of $200 or more. The other 38% said their policy costs increased between $50 and $199. (No other company included in the survey had more than 33% of its customers who reported an increase of $200 or more.)

According to Consumer Reports’ auto insurance company satisfaction survey, PEMCO’s customer satisfaction score is about average. It ranks highest among its policyholders in categories of claims processing, policy clarity, and customer satisfaction. It has the lowest rating for premium price satisfaction.

PEMCO, a Seattle-based firm founded in 1949, serves drivers in Washington state and Oregon with auto insurance policies. According to data from Beinsure, Washington state had one of the highest average auto insurance rate increases among all states from 2024 to 2025 at 25%. With PEMCO’s service area limited to the Pacific Northwest, the significant increases in Washington may at least partially explain why it topped the Consumer Reports list.

The Consumer Reports member survey found 80% of customers of the Cincinnati Insurance Companies reported an increase in the cost of auto insurance premiums over the previous year. Only 27% of Cincinnati customers in the CR survey reported a $200-plus increase, while 53% of them reported an increase of $50 to $199. No other company in the Consumer Reports survey had more customers report an increase in the $50 to $199 range.

In Consumer Reports’ customer satisfaction survey for auto insurance companies, Cincinnati has an above-average overall satisfaction score that ranked in the upper quartile of all companies on the list. Even with its recent higher-than-average rate increases, it received a “CR Recommended” designation and is one of the six most trustworthy car insurance companies. Cincinnati receives a perfect score among its customers for claims satisfaction, but it receives a below-average score for premium costs.

The Cincinnati Insurance Companies’ headquarters are in Fairfield, Ohio, and it writes auto policies in 46 states. The company issued its first insurance policy in 1951. According to Beinsure, Cincinnati ranks 24th among the largest U.S. auto insurance companies, based on the value of its insurance premiums written in 2025.

The Consumer Reports member survey showed 75% of customers of Mercury Insurance reported an increase in premiums over the previous 12 months. For 30% of the Mercury customers, the increase was $200 or more, while 45% of the customers reported an increase between $50 and $199. The other 25% reported no increase or less than a $50 increase.

When compared to all of the auto insurance companies in the CR member survey, Mercury had a below-average overall customer satisfaction score, which ranked in the lowest quartile of companies on the list. Mercury did not receive an above-average score in any of the customer satisfaction categories. It ranked below average in customer service and received the lowest possible score for its premium prices.

Mercury Insurance only writes policies for drivers in 11 states, which means its average rates could jump if a few of the states in which it operates experienced a significant increase. Mercury’s corporate headquarters are in Los Angeles. The company was founded in 1961 and is the 17th largest auto insurance company in the United States, as ranked by the value of premiums written.

In the Consumer Reports member survey, NYCM (New York Central Mutual) Insurance tied Mercury for the third largest number of auto insurance customers who reported receiving a premium increase over the previous 12 months. 75% of NYCM customers reported an increase, with 28% of them reporting an increase of $200 or more and 47% of them reporting a price increase in the $50 to $199 range.

Despite the fact that its recent premium increases affected a large number of its customers, NYCM Insurance is one of the highest ranked auto insurance companies, according to overall Consumer Reports customer satisfaction scores. NYCM is tied for fourth on Consumer Reports’ list of the best auto insurers and holds a “CR Recommended” designation. Its customers who participated in the CR survey gave NYCM a perfect score in the claims satisfaction category. The company did not have a below-average score in any of the customer satisfaction categories, including receiving an average score in the category of premium prices.

One of the reasons NYCM’s premiums experienced recent increases is because it only writes policies for drivers in New York state. Auto policy rate increases were significant in New York state from 2024 to 2025. NYCM’s headquarters are in Edmeston, NY, and it was founded in 1899. However, the company did not begin writing auto policies until 1974.

Customers of MAPFRE Insurance who participated in the Consumer Reports auto insurance satisfaction survey reported increases in premium costs at a 71% rate, ranking it as the fifth-highest company on the list. 29% of the MAPFRE customers had an increase of $200 or more, while 42% reported an increase between $50 and $199.

On the Consumer Reports list of overall satisfaction for auto insurance customers, MAPFRE ranks in the lower quartile with a below-average score. MAPFRE received an above-average score in claims resolution, but it received the lowest possible scores in the premium price and customer service categories.

MAPFRE is a worldwide insurance company, operating in 38 different countries. In the United States, the company writes policies for drivers in 11 states, and it’s the leading auto insurance provider in Massachusetts. MAPFRE did not begin offering auto coverage in the United States until it purchased Western Pioneer Insurance Company in 1995. Through expansions and other company purchases, MAPFRE has grown into the 25th-largest U.S. auto insurance provider, as ranked by the value of premiums written. The company’s American headquarters are in Webster, Mass.