The Applied Rating Index for Q4 2025 showed average premiums for personal auto lines rose 14.4% compared with the same period in 2024, while personal property premiums increased 7.8% year over year.
Key findings for Q4 2025 include: Personal Auto: In Q4 2025, Personal Auto premium rate change increased 14.4% versus Q4 2024. Personal Auto premium rate change increased 2.9% versus Q3 2025.
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