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Rates for all property and casualty lines across all states was up 1% in February after a flat January 2015.

The insurance market is still soft, and all expectations are for that to continue in 2015.

Commercial rates fell in December 2014 -- sending out warning signs for the return of a soft market -- while personal rates moderated during the same period, according to a report by MarketScout.

Personal and commercial lines continue October's trends, but some rates changed when looked at by industry.

Personal and commercial lines continue October's trends, but some rates changed when looked at by industry.

The composite rate for U.S. personal lines was up 3% for October, according to the MarketScout insurance exchange.

The composite rate for U.S. personal lines was up 3% for October, according to the MarketScout insurance exchange.

According to the MarketScout insurance exchange, the composite rate for U.S. commercial insurance was plus 1% in October 2014.