Growth Through Precisionin a Changing U.S. Auto Insurance Market
2026
LexisNexis® U.S. Auto Insurance Trends Report
The annual report highlights top trends shaping the U.S. auto insurance industry. Driving behavior, bodily injury claims, vehicle mix and policy shopping are impacting insurers’ ability to balance profitability and growth.
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Sustainable growth will require greater precision
In 2025, insurers faced a more complex landscape driven by shifts in driving behavior, affordability pressures, vehicle technology and claims outcomes. As the market softens, insurers are balancing growth targets with long-term profitability—and sustainable growth will come from targeting the right customers with the right price.
Violation rates remain elevated, driven by rapid growth in distracted driving
Insurance plays a more critical role in total cost of vehicle ownership
Consumers continue active policy shopping activity
A wide variety of vehicle types can require a wide range of risk assessment
Bodily injury costs continue to dominate claims outcomes
Unless otherwise cited, data presented herein is proprietary to LexisNexis® Risk Solutions.
Identify emerging risks as driving behavior, vehicle mix and claims dynamics shift.
Compete more effectively as consumer behavior reshapes growth strategies.
Grow with greater precision using richer data and more refined segmentation.
