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Rate Filings – Auto Insurance

This figure shows the 12-month percent change in US auto insurance rates for policies renewed in each month. For example, the value for December 2025 would show the average rate change for policies initially purchased in December 2024 and renewed 12 months later.

This series is calculated as an average of approved rate changes weighted by the written premiums affected relative to prior year direct written premiums. The latest monthly values reflect rate filings in effect as of 12/31/2025, based on data available as of 3/12/2026.

Sources: National Association of Insurance Commissioners statutory filings and insurance rate filings from SERFF: The Systems for Electronic Rates & Forms Filing via S&P Global Market Intelligence, S&P Capital IQ Pro database, and authors’ calculations.

Rate Filings – Homeowners Insurance

This figure shows the 12-month percent change in US homeowners insurance rates for policies renewed in each month. For example, the value for December 2025 would show the average rate change for policies initially purchased in December 2024 and renewed 12 months later.

This series is calculated as an average of approved rate changes weighted by the written premiums affected relative to prior year direct written premiums. The latest monthly values reflect rate filings in effect as of 12/31/2025, based on data available as of 3/12/2026.

Sources: National Association of Insurance Commissioners statutory filings and insurance rate filings from SERFF: The Systems for Electronic Rates & Forms Filing via S&P Global Market Intelligence, S&P Capital IQ Pro database, and authors’ calculations.

Average Homeowners Insurance Premiums

This map contains the average annual homeowners insurance premium for each county. Average premiums are based on the subset of homeowners with a mortgage in BlackKnight McDash. The sample includes only single-family and detached homes and excludes condos. The latest reported values in the figure are based on outstanding mortgages as of 12/31/2025 available as 3/1/2026.

Sources: Homeowners insurance data from Federal Financial Institutions Examination Council (U.S.), Home Mortgage Disclosure Act (Pubilc Data) via Black Knight Financial Services, Inc., ICE, McDash®, and LPS Applied Analytics, housing data from US Census, and author’s calculations.