Commercial insurance rates in the U.S. saw a slight moderation in the second quarter of 2025, while personal lines rates, driven by auto and high-value homes, accelerated, according to new data from Novatae Risk Group and MarketScout.
Commercial lines rates increased by an average of 2.8% in the second quarter, down slightly from the 3% increase recorded in the first quarter.
“Automobile and umbrella insurance continue to experience moderate increases, but even these lines are down from the first quarter,” Novatae Risk Group CEO Richard Kerr said in a press release. “We are also seeing steady improvement in property insurance rates, which is encouraging for insurance buyers.”
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