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2026

The Polly Embedded Auto Insurance Study

The latest consumer trends and preferences in embedded insurance within the car buying process.

Embedded Insurance Study 2026

Polly's Embedded Insurance Study

How are buyers viewing the car shopping experience in 2026?

Polly explored recent car buyers experiences, expectations, feelings, and desires within the current socio-economic landscape. Here's what we found:

  • 76% of buyers report higher satisfaction when dealers provide an insurance solution.

  • 79% think they already have the best insurance rate, yet 68% find savings when they shop.

  • Saving $80 a month on insurance boosts satisfaction, referrals, and service return intent for roughly three quarters of buyers.

  • 59% of buyers say insurance costs delayed their purchase, up from 38% last year.

  • 35% of buyers have delayed or walked away from a deal due to insurance issues.

Download the study to get a deep dive into our key findings.

How are buyers viewing the car shopping experience in 2026?

Polly's Embedded Insurance Study

Polly explored recent car buyers experiences, expectations, feelings, and desires within the current socio-economic landscape. Here's what we found:

  • 76% of buyers report higher satisfaction when dealers provide an insurance solution.

  • 79% think they already have the best insurance rate, yet 68% find savings when they shop.

  • Saving $80 a month on insurance boosts satisfaction, referrals, and service return intent for roughly three quarters of buyers.

  • 59% of buyers say insurance costs delayed their purchase, up from 38% last year.

  • 35% of buyers have delayed or walked away from a deal due to insurance issues.

Download the study to get a deep dive into our key findings.

Methodology

Polly conducted a survey of 1,055 Americans 18 and over who had purchased a car at a franchise dealership within the last 12 months.

The survey, facilitated by Centiment, took place in 2025.

The survey explored recent car buyers experiences, expectations, feelings, and desires within the current socio-economic landscape. ​

In addition, Polly incorporated first-party data and analytics as well as trusted third-party data to complete this study.