The 2026 Personal Auto Insurance Retention Report presents conclusions from Verisk’s latest research into industry challenges and policy history data and analytics.

The report notes a significant decline in personal auto insurance retention rates and shows how advanced analytics can flag at-risk policies.
The rules of retention are changing fast
The personal auto market remains highly price sensitive, and insurance leaders are acutely aware of heightened competition. Retention is influenced not only by rate changes at renewal but increasingly by midterm events, which are detectable through predictive signals of future shopping behavior and potential policy churn.
Explore the latest research into the implications for loyalty and drivers of lost business. Download the 2026 Personal Auto Insurance Retention Report to learn more about:
- How much retention rates have shifted
- Endorsement timing that raises churn likelihood by 12%
- The strongest signals associated with losing policies to the competition
Discover the impact that midterm endorsements and life events have on retention, emphasizing the need for insurers to engage proactively with customers. The retention report emphasizes the importance of understanding customer behavior to improve retention strategies in a competitive market.
In addition to the research report, Verisk’s white paper Auto Policy History Analytics: The Future of Risk Segmentation illustrates how the analytics used in the retention research can help insurance leaders modernize analytics toolkits, refine segmentation, and stay ahead in a highly competitive market.
Verisk’s Coverage Verifier Analytic Objects (CVAO) and LightSpeed® Personal Auto turn analytics into foresight, powering next-gen segmentation, spotting churn before it happens, and predicting future loyal customers at Rate Call 1. These AI-enabled capabilities integrate seamlessly into quote workflows and insurers’ modeling stacks. Download the white paper for an in-depth look at how to use auto policy behavioral insights to drive sustainable, profitable growth.