Polly’s latest Embedded Auto Insurance Report finds dealers who sold insurance policies to car buyers in the first quarter of 2026 added an average of $564 in F&I gross profit per deal — a 35% increase over baseline — and simply offering insurance quotes raised F&I gross by an average of $343 (22%).

“The more dealerships introduce insurance quotes into the sales process, the more opportunities customers have to lower their insurance costs,” the report states. “That reduces deal friction, helps keep transactions moving, and consistently leads to stronger F&I results.”

Analysts note insurance has become easier to get and, remarkably, more affordable: The median monthly insurance quote fell from a record high of $202 in Q4 2024 to $168 in Q1 2026.

Read the full report at Polly