Executive summary
This report analyzes insurance premium trends through Nov 2025, covering auto, home, and health insurance. Data is drawn from state insurance regulators, BLS, and industry reports.
Auto insurance
Auto insurance premiums rose sharply in 2025, driven by increased repair costs, higher vehicle values, and rising claim frequency. State-level variation was significant, with states prone to severe weather or high litigation rates seeing the largest increases. Some states with active insurance regulators saw smaller increases due to rate review processes.
Home insurance
Homeowners insurance became increasingly expensive and, in some regions, difficult to obtain. Wildfire-prone states in the West and hurricane-exposed states in the Gulf saw the most dramatic changes. Some major insurers withdrew from certain markets entirely, reducing competition and driving up prices for remaining coverage.
Health insurance
Health insurance premium increases varied by market segment. Employer-sponsored plans saw moderate increases, while ACA marketplace plans showed wider variation. The BLS medical care index captures some but not all health insurance cost changes, as out-of-pocket costs and plan design changes also affect consumer costs.
Monthly data table
| Month | Insurance CPI (% YoY) |
|---|---|
| Jan 25 | 8.0% |
| Feb 25 | 9.0% |
| Mar 25 | 8.1% |
| Apr 25 | 8.4% |
| May 25 | 9.1% |
| Jun 25 | 8.4% |
| Jul 25 | 8.4% |
| Aug 25 | 9.1% |
| Sep 25 | 9.7% |
| Oct 25 | 8.9% |
| Nov 25 | 9.3% |
| Dec 25 | 9.7% |
| Jan 26 | 9.5% |
| Feb 26 | 9.3% |
| Mar 26 | 9.1% |
| Apr 26 | 9.4% |
| May 26 | 9.2% |
| Jun 26 | 10.0% |
| Jul 26 | 9.3% |
Methodology
The Consumer Price Index measures the average change over time in prices paid by urban consumers for a market basket of goods and services. TALLY Insights presents this data in an accessible format. Full methodology details are available on our methodology page.