Auto and property insurance shopping remains active but has declined compared to recent years, with much of the shopping activity driven by customers with lower credit-based insurance scores, according to J.D. Power and TransUnion's latest LIST Report.

In Q4 2025, auto insurance shopping averaged 13%, a decrease of 0.2 percentage points from Q3 2024 and 0.3 points year-over-year. Auto policy switching also dropped by 0.4 points from Q3 and 0.1 points year-over-year. For those who switched auto insurers in Q4, the median amount of premium that moved carriers with them was $3,214.

For home insurance, shopping activity increased in Q4 2025 to 6.9% — up 0.3 percentage points from Q3 and 0.4 points year-over-year. However, the number of insureds who actually switched policies decreased by 0.4 points from Q3 and 0.2 points year-over-year to 2.4%.

Much like homeowners' insurance, renters' coverage also saw increased shopping and decreased switching in Q4. The shopping rate was 6.5%, which marks a 0.1 percentage point increase both from Q3 2025 and year-over-year. The switching rate for renters' insurance in Q4 was 3.8% — down 1.2 points from Q3 and 0.9 points year-over-year.

J.D. Power and TransUnion's quarterly LIST Report also examines customer loyalty to insurance companies by comparing the number of insureds who defected to another company that quarter.

For Q4 2025, auto insurers with the highest customer loyalty were NJM, USAA, COUNTRY, Erie and Plymouth Rock. Those with the lowest loyalty rates included Root, The Hanover, Direct Auto, National General, American Family and Amica.

Home insurance companies with the highest customer loyalty rates in Q4 included Shelter, Erie, COUNTRY, USAA and NJM. Those with the lowest home insurance customer loyalty were Mercury, CSAA, The Hanover, Liberty Mutual, Allstate and ACG.

Renters' insurance customers in Q4 were the most loyal to Travelers, USAA, ASCS, State Farm and Erie in Q4 2025, and the least loyal to CSAA, American Family, Farmers, Liberty Mutual and Allstate.

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