2026 Rate Forecast

I am officially offering my insurance industry forecast for 2026. What you should expect over the next year from rates.

In 2026, expect overall insurance rates to continue increasing across most lines, driven by rising costs for claims, general inflation, and regulatory changes. Health insurance is forecast for significant hikes, while property and auto insurance will see more moderate increases in most areas. Long story incredibly short on the stats here, but rates will moderate somewhat in 2026 or remain closer to the same as 2025. With the exception of catastrophe-prone areas such as hail zones, hurricane & tornado, as well as wildfire zones those areas will see continued steep increases. While lower risk areas mid-single digit increases are forecast. Auto rates are expected to slow to about 4% ^ on average. This is technically a better picture than 2025, but not by much, it will feel similar to 2025, so if you haven't quoted yet starting to consider in 2026 may find some savings from carrier to carrier, not what you are used to in the past, but some movement in pricing. That's my crystal ball prediction slash witchy agent forecast for 2026. ~Heather