Insurance Shopping Dropping — J.D. Power Report

J.D. Power regularly reports on how happy consumers are with insurers and their rates. A report on the 4th quarter of 2025 by J.D. Power and TransUnion’s LIST Report said the number of people shopping for home, auto and renters insurance averages 13%.

The 4th quarter auto shopping figures are 0.2% down from 2024 and down 0.3% year-over-year. Actual auto switching fell 0.4 points.

Home insurance shopping is still on the rise. It rose in the 4th quarter of 2025 to 6.9%. That’s up 0.3% from the 3rd quarter and 0.4% year-over-year.

That’s shopping. The number of people actually changing insurers dropped by 0.4% in the 4th quarter from the 3rd quarter of 2025. It is also down 0.2% year-over-year to people actually changing insurers at 2.4%.

Renters insurance shopping also increased but those switching dropped.

The LIST report also lists customer loyalty. For auto in the 4th quarter, customers remained very loyal to COUNTRY, Erie, NJM, USAA and Plymouth Rock. The lowest loyalty rates sat with The Hanover, Direct Auto, National General, American Family, Amica and Root.

Home owners in the 4th quarter of 2025 were most loyal to Erie, COUNTRY, USAA, NJM and Shelter. Insurers Mercury, CSAA, The Hanover, Liberty Mutual, Allstate and ACG did not have as many loyal customers.

Renters were loyal to Travelers, USAA, ASCS, State Farm and Erie but did not remain loyal to CSAA, American Family, Farmers, Liberty Mutual and Allstate.

Source link: PropertyCasualty360.com — https://bit.ly/3NTKCa5