LexisNexis® Risk Solutions released its 2025 U.S. Auto Insurance Trends Report on June 12, 2025, aggregating and analyzing annual market data from calendar year 2024. The report highlighted significant increases in driving violations and shifting consumer demographics in insurance shopping.
Bodily injury severity jumped 9.2% year over year (YoY), and property damage severity climbed 2.5% YoY, while collision severity declined by 2.5% YoY. All driving violations increased 17% YoY, surpassing 2019 levels, indicating evolving risks for insurers.
Policy shopping reached an all-time high, with more than 45% of policies in force shopped at least once by year-end. Shopping among long-tenured (10+ years) customers rose 35% YoY, with older and long-tenured policyholders leading the shopping trend, signaling a need for insurers to adapt pricing models.
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