In 2025, insurers are responding to catastrophic weather events with a combination of strengthened financial resilience, enhanced risk management, and strategic adaptation to a more volatile climate environment:

• Stronger Capital and Surplus Buffers:
  
  U.S. property and casualty insurers enter the 2025 hurricane and severe weather season with record-high…

Reinsurance is a cornerstone for stabilizing the U.S. insurance market in 2025, providing financial resilience, risk diversification, and capacity expansion for primary insurers.

Key Roles and Impacts:

• Risk Transfer and Diversification:
  
  Primary insurers transfer portions of their risk portfolios to reinsurers, reducing their exposure to…

In 2025, U.S. insurance regulation is undergoing significant changes, reflecting both federal and state priorities, as well as responses to emerging risks, technology, and evolving consumer needs. The most notable regulatory changes and trends affecting the insurance industry include:

1. Emphasis on State-Based Regulation

• The National Association…

Usage-based auto insurance (UBI) in the U.S. has evolved rapidly by 2025, driven by telematics, consumer demand for fair pricing, and technological innovation.

Key Developments and Trends:

• Market Growth and Penetration:
  
  The U.S. automotive usage-based insurance market is expected to reach $69.8 billion in 2025, with North America holding…

In 2025, the U.S. and global commercial insurance market presents a landscape of both opportunities and challenges for buyers:

Opportunities

• Market Softening and Increased Competition:
  
  Commercial insurance rates declined by 3% globally in Q1 2025, marking the third consecutive quarter of decreases…

Navigating flood insurance in the modern U.S. market in 2025 requires understanding a landscape shaped by escalating climate risks, evolving insurance products, and significant public-private sector shifts.

Key Dynamics in 2025:

• Escalating Flood Risk and Insurance Gap:
  
  Climate change is intensifying the frequency and severity of flooding…

Homeowners insurance costs in 2025 are rising sharply across the U.S., driven by escalating climate risks, inflation, and higher rebuilding expenses. The national average premium is projected to increase by 8% to $3,520 per year by the end of 2025, with some states facing much steeper hikes—Louisiana (+27%) and California (+21%) are among the hardest hit. States like Hawaii, Iowa, and Minnesota are also expected to see increases of 15% or more…

Social inflation is significantly increasing U.S. insurance premiums in 2025, and its impact is expected to persist and intensify. Social inflation refers to the rising costs of insurance claims that outpace standard economic inflation, primarily driven by societal trends such as increased litigation, larger jury awards (including "nuclear verdicts" exceeding $10 million), aggressive attorney advertising, third-party litigation funding, and a…

In 2025, AI and telematics are fundamentally transforming auto insurance by enabling highly personalized, data-driven, and efficient products and services:

Telematics: Usage-Based and Personalized Pricing

• Telematics devices (in-car hardware or smartphone apps) and connected…

The 2025 global insurance outlook is characterized by a general trend toward market softening and robust growth prospects, though with important nuances by region and line of business:

Market Softening

• Property insurance rates are…

The five most significant commercial insurance trends in Q1 2025 are:

1. Soaring Social Inflation

   • Social inflation, characterized by rising insurance claim costs due to increased litigation, larger jury awards, and broader definitions of liability, continues to drive up premiums and…

The U.S. individual life insurance market in 2025 is positioned for continued growth and innovation, building on several years of heightened consumer interest and evolving economic conditions.

Market Growth and Premiums

• Premium growth is projected between 2% and 6% in 2025,…

The 2025 Global Insurance Outlook: Evolving Industry Operating Models to Build the Future of Insurance highlights major shifts and strategies shaping the insurance sector worldwide. Drawing from leading industry reports…

The "Insurance Marketplace Realities 2025 July Update" reflects the ongoing challenges and evolving dynamics in the U.S. insurance market as of mid-2025. Here are the key points based on recent industry insights:

1. Personal Insurance Market Challenges Continue

• The personal insurance sector,…

The U.S. personal insurance market in 2025 is shaped by both ongoing challenges and signs of stabilization, depending on the line of business and region.

Homeowners Insurance:

• Premiums are rising sharply, with a national average increase of about 21% expected in 2025.

• Inflation, higher rebuilding costs, labor shortages, and severe weather (notably…

In 2025, finding benefits in auto insurance means looking beyond just price and focusing on coverage options, technology discounts, and company features that add value. Here’s where and how to find the best benefits:

1. Discounts and Savings…

The best U.S. car insurance products in 2025 are consistently ranked based on customer satisfaction, claims handling, price, and coverage options. Multiple independent reviews and surveys highlight the following companies as top choices:

Top Car Insurance Companies in the U.S. for 2025…