New Insurify AI Report also says 68% of Americans would let AI change their car insurance if it could save them $1,000 a year
A majority of Americans are ready to place their trust in AI when it comes time to buy auto insurance says a new study by Cambridge-based Insurify. With that said, however, many drivers still value human expertise despite the growing trust they place in AI.
53% of consumers survey still trust human agents to give them more accurate advice. These are just a couple of the insights gleaned from Cambridge-based Insurify’s inaugural AI Insurance Report.
Despite growing trust in AI, many drivers still value human expertise. More than half (53%) of Americans say they prefer advice from human insurance agents. Among those who haven’t used AI to shop for insurance, 50% cite a preference for human guidance, while 29% are concerned about protecting their personal data.
“Our AI Insurance report shows that American drivers are increasingly seeing AI as a trusted co-pilot for making insurance decisions,” said Snejina Zacharia, founder & co-CEO of Insurify. “From the start, Insurify has used AI to deliver personalized car insurance quotes quickly. This new data is evidence that industry adoption of AI is critical to meet the growing consumer demand for smarter, transparent insurance experiences, and it signals that insurance may be the next sector for mass AI adoption.”
Auto insurance is one of the largest expenses for U.S. consumers
According to Insurify, the average American driver now pays $2,310 per year for full-coverage car insurance, with average full-coverage car insurance prices having risen more than 40%, or approximately $700 annually, since 2022. As a result, the company says that two-thirds of the consumers surveyed said they would use AI in order to find a new policy in return for significant savings.
More specifically, while 39% of drivers says they would allow AI to “secure them a policy with a new insurer for a lower rate”, that number rises to 68% when if doing so would save them $1,000 a year on car insurance and 49% would share driving data or personal contact information in exchange for the savings. Even more noteworthy, 81% of Gen Z drivers would let AI move them to a new insurer for the $1,000 dollars in savings.
Other Key Findings from the Insurify AI Insurance Report
- 6 in 7 Americans (86%) would trust AI to help buy car insurance in some way, including comparing quotes across insurers (76%) and creating customized policies (54%).
- 42% of drivers, including 60% of Gen Z, say they’ve already used AI assistants to shop for car insurance.
- Nearly half (49%) of Americans would share personal or driving data if AI could save them $1,000 annually, including 59% of men and 42% of women.
- 38% of drivers would trust AI to determine fault in an accident, and 40% would trust it to approve or deny claims.
- 73% of Americans are open to using AI for financial decision-making. Shopping for car insurance ranked highest (51%), more than double those who would use it to apply for mortgages (25%) or student loans (21%).
“AI is ushering in the next wave of insurance innovation, and our data underscores consumers’ willingness to use AI-powered tools,” added Giorgos Zacharia, Insurify co-founder & co-CEO. “Insurify is launching a new AI-powered policy upload feature to deliver comparative, side-by-side quotes in less time by eliminating data entry time and errors. It’s another way we’re using AI to simplify insurance shopping and help Americans save.”
Survey Methodology
The proprietary data featured in the study comes from an online survey that Insurify commissioned. The survey’s respondents consisted of 3,002 U.S. drivers between 22 and 70 years old. Respondents were asked up to 15 questions about their views on AI and insurance. The survey fieldwork took place from Oct. 8 to Oct. 10, 2025.
For those interested in reviewing the entire survey it can be accessed on the Insurify website.
