Car insurance rates recently began to dip across the country, but experts say they will go up again by the end of the year.

Most states saw premiums fall in the first half of 2025, but a new analysis suggests that’s unlikely to continue.

Amica, which offers car insurance dividend policies, says that its average dividend payments are between 5% and 20% of a policyholder’s annual premium. 2 So, for example, if you’re paying the ...