After two years of double-digit rate hikes, U.S. auto insurers are signaling a period of stabilization for 2026 renewals. Several major carriers have filed flat or modest single-digit increases with state regulators.
The shift reflects easing used-vehicle prices, improved supply chains for replacement parts, and a slight decline in severe accident frequency.
Drivers who shopped aggressively during the surge may still find savings by bundling home and auto or increasing deductibles.
