LexisNexis U.S. Insurance Demand Meter: U.S. Consumer Auto Shopping Stays Strong, Registers as 'Hot' in Q3
LexisNexis U.S. Insurance Demand Meter (RELX) reports U.S. auto insurance shopping remained strong in Q3 2025 with overall shopping growth +6.4% YoY and new policy growth +2.8% YoY. The report highlights shoppers aged 66+ as the fastest-growing cohort (~+10% YoY) and a surge in the direct channel +14.1%. Geographic hotspots included New Jersey +16% and California +11%. In Q3, 46.5% of policies-in-force were shopped at least once in the prior 12 months. Rate revisions were mixed: ~1/3 decreases (avg -4.2%) and 35% increases (avg +5.1%). The meter cites shifting consumer behavior and recommends insurers combine acquisition and retention strategies.
LexisNexis U.S. Insurance Demand Meter (RELX) segnala che la ricerca di assicurazioni auto negli Stati Uniti è rimasta forte nel terzo trimestre 2025 con una crescita complessiva shopping +6,4% YoY e nuovi polizze +2,8% YoY. Il rapporto evidenzia gli acquirenti di 66 anni e oltre come la fascia in più rapida in crescita (~+10% YoY) e un aumento nel canale diretto +14,1%. Le aree geografiche chiave includono New Jersey +16% e California +11%. Nel Q3, il 46,5% delle polizze in corso sono state cercate almeno una volta nei 12 mesi precedenti. Le revisioni delle tariffe sono state miste: ~1/3 diminuzioni (media -4,2%) e 35% aumenti (media +5,1%). Il rapporto cita cambiamenti nel comportamento dei consumatori e raccomanda agli assicuratori di combinare strategie di acquisizione e di fidelizzazione.
LexisNexis U.S. Insurance Demand Meter (RELX) informa que la búsqueda de seguros de auto en EE. UU. se mantuvo fuerte en el 3er trimestre de 2025, con un crecimiento general de compras +6,4% interanual y crecimiento de nuevas pólizas +2,8% interanual. El informe destaca a compradores de 66 años o más como la cohorte de más rápido crecimiento (~+10% interanual) y un aumento en el canal directo +14,1%. Los focos geográficos incluyeron Nueva Jersey +16% y California +11%. En el 3er trimestre, el 46,5% de las pólizas vigentes se compraron al menos una vez en los 12 meses anteriores. Las revisiones de tarifas fueron mixtas: ~1/3 con reducciones (promedio -4,2%) y 35% con aumentos (promedio +5,1%). El informe cita cambios en el comportamiento del consumidor y recomienda a las aseguradoras combinar estrategias de adquisición y retención.
LexisNexis U.S. Insurance Demand Meter (RELX)는 2025년 3분기 미국 자동차 보험 쇼핑이 강세를 유지했으며 전반적인 쇼핑 증가율 +6.4% YoY와 신규 정책 증가율 +2.8% YoY를 기록했다고 보고합니다. 이 보고서는 66세 이상 쇼핑객을 가장 빠르게 증가하는 코호트(~YoY +10%)로 강조하고 직접 채널 +14.1%의 급증을 지적합니다. 지리적 핫스팟으로는 뉴저지 +16%와 캘리포니아 +11%가 포함됩니다. 3분기에, 발행 중인 정책의 46.5%가 지난 12개월 내에 최소 한 번은 쇼핑되었습니다. 요율 개정은 혼재: 약 1/3은 감소(평균 -4.2%), 35%는 증가(평균 +5.1%). 이 메타는 소비자 행동의 변화를 인용하고 보험사에 인수와 유지 전략을 결합할 것을 권고합니다.
LexisNexis U.S. Insurance Demand Meter (RELX) indique que les recherches d'assurance auto aux États-Unis sont restées solides au troisième trimestre 2025, avec une croissance globale des achats +6,4% en glissement annuel et une croissance des nouvelles polices +2,8% en glissement annuel. Le rapport met en évidence les acheteurs âgés de 66 ans et plus comme la cohorte à la croissance la plus rapide (~+10% en glissement annuel) et une poussée du canal direct +14,1%. Les points chauds géographiques incluent New Jersey +16% et Californie +11%. Au troisième trimestre, 46,5% des polices en vigueur ont été recherchées au moins une fois au cours des 12 mois précédents. Les révisions tarifaires étaient mixtes: environ 1/3 de diminutions (moyenne -4,2%) et 35% d’augmentations (moyenne +5,1%). Le mètre cite un changement de comportement des consommateurs et recommande aux assureurs de combiner les stratégies d’acquisition et de rétention.
LexisNexis U.S. Insurance Demand Meter (RELX) berichtet, dass die Suche nach US-Auto-Versicherungen im Q3 2025 stark blieb, mit insgesamt Shopper-Wachstum +6,4% YoY und Wachstum neuer Policen +2,8% YoY. Der Bericht hebt Käufer im Alter 66+ als die am schnellsten wachsende Kohorte hervor (~+10% YoY) und einen Anstieg im direkten Kanal um +14,1%. Geografische Brennpunkte waren New Jersey +16% und Kalifornien +11%. Im Q3 wurden 46,5% der bestehenden Policen mindestens einmal in den vergangenen 12 Monaten geprüft. Tarifanpassungen waren gemischt: ca. ein Drittel Rückgänge (Durchschnitt -4,2%) und 35% Anstiege (Durchschnitt +5,1%). Die Meter verweist auf verändertes Verbraucher-Verhalten und empfiehlt Versicherern, Akquisitions- und Bindungsstrategien zu kombinieren.
LexisNexis U.S. Insurance Demand Meter (RELX) يفيد بأن بحث التأمين على السيارات في الولايات المتحدة لا يزال قوياً في الربع الثالث من 2025 مع نمو عام في التسوق +6.4% سنوياً و نمو السياسات الجديدة +2.8% سنوياً. يبرز التقرير المشترين بعمر 66 عامًا فأكثر كأسرع مجموعة نمواً (~+10% سنوياً) وارتفاع في القناة المباشرة +14.1%. تشمل النقاط الساخنة الجغرافية نيو جيرسي +16% و كاليفورنيا +11%. في الربع الثالث، تم تسوق 46.5% من السياسات قيد النفاذ على الأقل مرة واحدة في الـ 12 شهراً الماضية. تعديلات الأسعار كانت مختلطة: نحو ثلثها انخفاضات (المتوسط -4.2%) و35% زيادات (المتوسط +5.1%). يشير المقياس إلى تغير سلوك المستهلك ويُوصي شركات التأمين بدمج استراتيجيات الاستحواذ والاحتفاظ.
- Shoppers 66+ +10% year-over-year
- Direct channel shopping +14.1% year-over-year
- New Jersey shopping growth +16% year-over-year
- California shopping growth +11% year-over-year
- None.
Key Takeaways
-
Shopping Growth Remains Hot:
U.S. auto policy shopping rose to6.4% year-over-year in Q3, maintaining a "Hot" reading, but was down from the9.4% increase in Q2. -
New Policy Activity Still Warm: New policy growth increased
2.8% year-over-year, down from3.6% last quarter. -
Older Shoppers Drive Growth: Policyholders aged 66 and older exhibited the highest growth rate, outpacing younger cohorts with a
10% increase in shopping growth. -
Direct Channel Maintains Momentum: Again, the direct channel posted strong shopping growth (
14.1% ), while exclusive and independent agency channels experienced declines compared to Q2. Exclusive channel growth slid to -0.8% but independent channel growth was2.8%
Long-Tenured Policy Holders, Non-Standard Shoppers and Direct Channel Propel Growth
Consumers aged 66 and older, as well as non-standard and direct-channel shoppers, continued to lead Q3 auto policy shopping with the highest growth rates.
The 66 and older shoppers were the most active, achieving more than
Each of these dynamics helped influence a rising annual shop rate, one that either tied with or topped the annual shop rate from the previous quarter. In Q3, like in Q2,
New Analysis about Consumer Shopping Patterns Helping Drive Auto Policy Shopping
This quarter of the
Geographic Rate Trends
In Q3, 15 states and the
Across the market in Q3, roughly one third of all rate revisions submitted were decreases, averaging -
"The third quarter reflects an evolving environment where traditional assumptions about loyalty and timing no longer hold," said Jeff Batiste, senior vice president and general manager,
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Source: S&P Global Market Intelligence (and its affiliates, as applicable) |
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Source: S&P Global Market Intelligence (and its affiliates, as applicable) |
Looking Ahead
In Q3, insurers increased targeted marketing, introduced new rate decreases, and capitalized on the expiration of the electric vehicle (EV) tax credit, while racing to beat impending tariffs that helped draw price-sensitive consumers into the market. Heading into the end of 2025, the auto insurance industry may experience a lull in shopping due to the holiday season, a trend that didn't hold true in 2024.
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FAQ
What was the U.S. auto insurance shopping growth rate in Q3 2025 for RELX?
How much did new policy activity change in Q3 2025 for RELX data?
Which age group led auto insurance shopping growth in Q3 2025 (RELX)?
How did the direct channel perform in Q3 2025 according to RELX?
Which states showed the largest Q3 2025 shopping increases in RELX data?
What share of policies were shopped in the prior 12 months in Q3 2025 per RELX?
