Which to use
“incurred” is a verb and “insured” is an adjective - they look or sound alike but fill different roles in a sentence.
- #12,994
- “incurred” frequency rank
- #11,400
- “insured” frequency rank
- 24394
- confusion score
Side-by-Side Comparison
| Feature | incurred | insured |
|---|---|---|
| Definition | simple past and past participle of incur | Covered by an insurance policy. |
Where the spellings diverge
Shared letters are muted; the letters that actually set incurred and insured apart are highlighted. They share 6 letters in sequence, which is exactly why the eye skips the difference.
Spelling & Dictionary Insight
These two trip readers on the page rather than in the ear: incurred is /ɪnˈkɝd/ while insured is /ɪnˈʃʊəd/. Spoken aloud the problem disappears. In writing it persists, because they differ by 1 letter(s) in length, and the parts of speech differ too (verb vs adjective), which is usually the fastest check. Our composite confusion score for this pair is 24394, derived from the frequency rank of both members and their visual similarity.
incurred is recorded at frequency rank #12,994, classified as averb, pronounced /ɪnˈkɝd/. insured is at rank #11,400, tagged as anadj, pronounced /ɪnˈʃʊəd/.
Glosses for this pair are partially populated in our dataset, but the full side-by-side definitions above should still guide you to the right choice.
With a confusion score of 24394, this pair ranks #402,267 of 530,003 scored English confusable pairs - a relatively easy-to-tell-apart pair.
Orthographic DNA of incurred vs insured
Shared letters: deinru. Private to "incurred": c. Private to "insured": s.
"incurred" · 8 letters · shape VCCVCCVC · "insured" · 7 letters · shape VCCVCVC
Known mistypes of this pair
Frequency comparison
Frequently Asked Questions
Can "incurred" and "insured" be used interchangeably?
Which is more common, "incurred" or "insured"?
Remembering incurred vs insured
The fastest way to pick the right one every time.
- Check the role first: if you need a verb, it's “incurred”; for an adjective, it's “insured”.
- See each word in full, definition, IPA, etymology and its other confusables. Full “incurred” entry
- Browse more pairs most likely to be confused. Most confusable