According to the J.D. Power Insurance Shopping List Report for Q3 2025, developed in collaboration with TransUnion, shopping for auto, home, and renters insurance increased after a decline in the second quarter.
- Auto coverage shopping rose slightly to 13.2%, with switching reaching an all-time high of 4.5%. The average premium moved among switchers was $4,540.
- Home insurance shopping climbed to 6.6%, while switching stood at 2.8%.
- Renters insurance saw a 6.4% shopping rate and 5.1% switching rate—both increasing from the previous quarter.
Carrier Loyalty Rankings
Erie ranked highest in loyalty for both auto and home insurance, while Homesite led renters insurance. Among auto insurers, ACG, Root, and Safeco showed lower loyalty. For home insurance, The Hanover and CSAA were at the bottom of the loyalty list, while for renters insurance, Travelers and CSAA showed the lowest retention rates.
Monthly Trends
Auto and home insurance shopping activity cooled in September following increases in August, with renters insurance switching continuing to rise. Auto switching had peaked in July, while home shopping reached a high in August. Renters insurance activity spiked in July, dipped in August, and stabilized in September.
Quarterly Market Insights
The U.S. P&C Insurance Quarterly Shopping List Report shows that auto coverage shopping increased by 18% and property insurance shopping by 9% year-over-year for Q2. Growth in auto shopping reached a near-term peak in March before easing in May and June.
- Gen Z consumers led auto insurance shopping activity.
- Property shoppers most frequently included individuals with lower credit-based insurance scores, higher-value property owners, asset-heavy renters, and consumers who bundle insurance products.
Focus on AI in the Shopping Process
J.D. Power’s survey found that 41% of consumers used an AI tool when shopping for or researching insurance companies. Among these users, 80% said the tool was either “very” or “somewhat” helpful in their decision-making process.
- 40% of respondents trusted and followed AI recommendations.
- Another 40% considered AI suggestions but sought additional input.
- 16% were neutral, while smaller shares found AI tools unhelpful or unreliable.
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Alice J. Roden started working for Trending Insurance News at the end of 2021. Alice grew up in Salt Lake City, UT. A writer with a vast insurance industry background Alice has help with several of the biggest insurance companies. Before joining Trending Insurance News, Alice briefly worked as a freelance journalist for several radio stations. She covers home, renters and other property insurance stories.