Commercial Auto Insurance Rates Rise 8.8% in Q2, Outpacing Most Other Types of Insurance.

Commercial auto insurance premiums rose 8.8% sequentially in Q2, according to The Council of Insurance Agents & Brokers. This increase outpaced other types of insurance products, with umbrella policies being the only category to rise more. The increase was attributed to legal system abuse, including nuclear and thermonuclear verdicts.

Commercial insurance rates in the U.S. have shown signs of moderation in the second quarter of 2025, with an overall increase of 3.8%, according to WTW's Commercial Lines Insurance Pricing Survey (CLIPS). This marks a deceleration from the 5.3% increase in Q1 2025 and the 5.6% rise in Q4 2024, signaling a potential stabilization in the market U.S. commercial insurance rates ease to 3.8% increase^[1].

The survey highlights varied trends across different insurance lines. Workers compensation, directors' and officers' liability, and cyber insurance all experienced price decreases, while commercial property recorded its first price decline after several quarters of slowing growth. Conversely, excess/umbrella liability and commercial auto saw significant increases, with commercial auto maintaining double-digit growth U.S. commercial insurance rates ease to 3.8% increase^[1].

Notably, commercial auto insurance premiums rose 8.8% sequentially in Q2 2025, according to The Council of Insurance Agents & Brokers. This increase was attributed to legal system abuse, including nuclear and thermonuclear verdicts, which outpaced other types of insurance products, with umbrella policies being the only category to rise more .

The differentiated pricing by account size is also noteworthy. Small and mid-market accounts saw slightly lower increases, while large accounts continued to rise but at a more pronounced slowdown. This segmentation reflects insurers' strategic approach to balancing portfolio profitability with competitive market positioning U.S. commercial insurance rates ease to 3.8% increase^[1].

The overall moderation in commercial insurance pricing suggests a potential transition toward a more balanced market, not yet soft but definitely cooling from the significant hardening seen in recent years. For industry stakeholders, this represents a potential inflection point where pricing power may be gradually shifting back toward insurance buyers after an extended period of carrier advantage U.S. commercial insurance rates ease to 3.8% increase^[1].

WTW's CLIPS is a retrospective look at historical changes in Commercial Property & Casualty insurance (P&C) prices and claims cost inflation. The survey provides a year-over-year comparison of premiums for policies underwritten during the second quarter of 2025 to those for the same coverage lines in the respective quarter of 2024. The data is based on new and renewal business figures obtained directly from carriers underwriting the business, with 42 participating insurers representing approximately 20% of the U.S. commercial insurance market contributing data U.S. commercial insurance rates ease to 3.8% increase^[1].

About WTW
WTW (NASDAQ: WTW) provides data-driven, insight-led solutions in the areas of people, risk, and capital. With a global presence in 140 countries and markets, WTW helps organizations sharpen their strategy, enhance organizational resilience, motivate their workforce, and maximize performance U.S. commercial insurance rates ease to 3.8% increase^[1].

References:
U.S. commercial insurance rates ease to 3.8% increase^[1] WTW. (2025). Commercial Lines Insurance Pricing Survey: Q2 2025. Retrieved from [https://www.stocktitan.net/news/WTW/u-s-commercial-insurance-rates-ease-to-3-8-j8sjyy5ecjvq.html](https://www.stocktitan.net/news/WTW/u-s-commercial-insurance-rates-ease-to-3-8-j8sjyy5ecjvq.html)
The Council of Insurance Agents & Brokers. (2025). Commercial Auto Insurance Premiums Rise 8.8% in Q2. Retrieved from [https://www.cib.org/news/commercial-auto-insurance-premiums-rise-8-8-q2](https://www.cib.org/news/commercial-auto-insurance-premiums-rise-8-8-q2)