Key findings

  • Car insurance is the second most widely held policy in the US (71%), after health insurance (80%).
  • Nearly seven in ten car insurance customers (68%) are satisfied—more than for home (62%) or life insurance (59%).
  • Only 8% of car insurance policyholders are dissatisfied, compared to 8.4% of home insurance and 4% of life insurance customers.
  • Low premiums (39%) and responsive service (34%) drive satisfaction.
  • High premiums (28%) are the main source of dissatisfaction.
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Car insurance is one of the most commonly held insurance products in the US. According to YouGov Profiles, 71% of consumers own an auto insurance policy — second only to health insurance (80%). By comparison, fewer hold homeowners (42%) or life insurance (39%).

Car insurance outperforms home and life insurance on satisfaction

When it comes to satisfaction, car insurance stands out. Nearly seven in ten policyholders (68%) say they are satisfied or very satisfied with their coverage. That puts it ahead of other major types of insurance: 62% of home insurance customers and 59% of life insurance customers report being satisfied with their policies.

On the other end of the spectrum, just 8% of car insurance holders say they are dissatisfied, while almost one in four (24%) sit in the middle, neither satisfied nor dissatisfied.

Affordability and service are the strongest drivers of policy satisfaction

The strongest driver of satisfaction in car insurance policies is cost. More than a third of policy holders (39%) point to low premiums and deductibles as a reasons they are happy with their provider.

Responsive and helpful customer service is a major contributor (34%), followed by the availability of discounts and incentives (26%). Digital experience plays a role too: 22% cite user-friendly online platforms and mobile apps as a reason for satisfaction.

Additional benefits, such as roadside assistance (19%), and transparent, easy-to-understand policy terms (18%) also help boost customer contentment.

High premiums remain the biggest source of frustration.

While the majority of car insurance customers are satisfied, more than a quarter (28%) of policyholders point to cost as a reason for dissatisfaction.

The second most cited factor for dissatisfaction is also related to cost, with 15% complaining of poor discounts and incentives. Only half as many (8%) say that lack of clarity of policy terms is a problem. 

Methodology: YouGov Profiles is based on continuously collected data through rolling surveys, rather than a single limited questionnaire. Figures are drawn from responses collected between September 29,2024 and September 28, 2025 using a 52-week dataset updated weekly. Data is nationally representative of adults (18+) in the US and weighted by age, gender, education, region, and race.