{"id":935476,"date":"2026-02-10T08:20:13","date_gmt":"2026-02-10T13:20:13","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/insurance-shopping-bucked-traditional-year-end-slump-remaining-elevated-in-q4-2025\/"},"modified":"2026-02-10T08:20:13","modified_gmt":"2026-02-10T13:20:13","slug":"insurance-shopping-bucked-traditional-year-end-slump-remaining-elevated-in-q4-2025","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/insurance-shopping-bucked-traditional-year-end-slump-remaining-elevated-in-q4-2025\/","title":{"rendered":"Insurance Shopping Bucked Traditional Year-End Slump, Remaining Elevated in Q4 2025"},"content":{"rendered":"

\nTransUnion\u2019s latest quarterly report finds regular insurance shopping the new normal
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CHICAGO, Feb. 10, 2026 (GLOBE NEWSWIRE) — Insurance shopping is now a routine activity for consumers rather than a rare event prompted by a car or home purchase. TransUnion (NYSE: TRU) analysts drew this conclusion after tracking three years of steadily increasing insurance shopping rates in the quarterly\u00a0Insurance Personal Lines Trends and Perspectives Report<\/a>.<\/p>\n

Most recently, 2025 fourth quarter data showed that elevated shopping levels continued throughout a season in which shopping rates typically decline. Auto insurance shopping was up 11% in Q4 2025, compared to the same period in 2024, while property insurance shopping increased 5%.<\/p>\n

\u201cAt this point we can safely say that regular insurance shopping is just the new normal,\u201d said Patrick Foy, senior director of strategic planning for TransUnion\u2019s insurance business. \u201cPart of the reason we think this will continue for the foreseeable future is that it\u2019s driven by how people shop as well as why.\u201d<\/p>\n

The report noted that economic pressures are driving consumers to find ways to reduce household expenses. At the same time, insurers are investing heavily in marketing and setting competitive rates. Additionally, online shopping tools and experiences make it very easy for consumers to quickly find out if they can lower their insurance rate.<\/p>\n

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\n Why shopping intensity matters<\/em>
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The report included a shopping intensity index to measure how many different insurers a consumer considers when shopping. While consumers shopped more frequently, most exhibited low shopping intensity. Less than one quarter shopped with three or more insurers\u2014either to be sure they were getting the lowest rate possible or to find niche coverage offerings.<\/p>\n

The remaining 77% of consumers only\u00a0shopped with\u00a0one or two insurers.\u00a0These consumers may have been content to find a lower rate, not necessarily the lowest rate. The report found that generational, geographic and distribution channel factors help explain low shopping intensity among certain groups of consumers. For example:<\/p>\n