Car insurance shopping surged last year as a record number of drivers sought better terms.

Insurify data show 45% of auto insurance policy holders researched other carriers in an effort to bring down their costs, making for the highest shopping rate on record.

The insurance comparison shopping website pointed to rate increases for both auto and home insurance in most states, in addition to insurer marketing campaigns, as the reasons behind the spike.

Average full-coverage auto insurance policies will jump 7% by the end of 2025, while home insurance rates are expected to rise by 8%, Insurify predicts, moving many consumers to do what they can to cut costs.

Drivers stick with their auto insurer for an average of 5½ years, seven years if they bundle auto and home or another policy type together, the company said, citing J.D. Power data. Given recent higher rates, though, long-term policy holders made up nearly a quarter of those shopping around last year.

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