AutoInsureWire
Premium Index.
Our flagship quarterly data series tracking the national average US full-coverage auto insurance premium across 4 driver profiles, 3 vehicle classes, and 50 states + DC.
National full-coverage avg, 9 quarters
Premium acceleration is slowing.
QoQ growth peaked at +2.1% in Q3 2024 and has decelerated to +1.3% in Q2 2026 — the lowest reading in 8 quarters. Carriers are absorbing rate adequacy improvements rather than passing them through.
EV gap continues to narrow.
The EV vs. ICE premium gap narrowed from 23.4% in Q2 2025 to 18.2% in Q2 2026. Repair-cost normalization and specialist-shop growth account for ~70% of the closure.
Telematics adoption hits 31%.
Among new policies issued in Q2 2026, 31.4% included a telematics enrollment — up from 24.1% YoY. State Farm and Progressive drove the largest share gains.
AutoInsureWire Premium Index, Q2 2026. AutoInsureWire. Published May 9, 2026.
AutoInsureWire (2026). Premium Index Q2 2026. https://autoinsurewire.com/data/premium-index-2026-q2@misc{aiw2026q2, title={Premium Index Q2 2026}, author={AutoInsureWire}, year={2026}}Auto insurance news, decoded for working drivers.
Rate filings, fraud cases, and the policy moves that actually change premiums — summarized and explained.