Download the 2026 Personal Auto Insurance Retention Report, to learn more about:

• How much retention rates have shifted
• When endorsement timing can make a policy 12% more likely to result in churn
• What are the strongest signals associated with losing policies to the competition

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 through predictive signals of future shopping behavior and potential policy churn.

Explore the latest research into the critical drivers of loyalty and lost business.

Discover the impact that midterm endorsements and life events have on retention trends, emphasizing the need for proactive engagement by insurers. The retention report underscores 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 analytics used in the retention research can help insurance leaders modernize analytic tool kits, refine segmentation, and stay ahead in a highly competitive market.

Verisk’s Coverage Verifier Analytic Objects (CVAO) and LightSpeed^® Personal Auto help turn analytics into foresight—powering next-gen segmentation, spotting churn before it happens, and even predicting future loyal customers at Rate Call 1—using AI-enabled capabilities built to integrate seamlessly into quote workflows and insurers’ modeling stacks. Download the free white paper for an in-depth look at how to use auto policy behavioral insights to drive sustainable, profitable growth.

Authors

Cam Pinegar, Product Director, Personal Auto Underwriting, oversees product development for retention and behavioral analytics, including Coverage Verifier and CVAO. These tools enable insurers to identify churn before it happens and enhance risk segmentation with predictive behavioral insights, even allowing policies to be quoted and bound in seconds while helping to drive sustainable, profitable growth. Cam can be reached at Cam.Pinegar@verisk.com.

Greg Firestone, Vice President Analytic Solutions at Verisk, oversees personal and commercial auto, technology, data, and Inflection^TM. His career before joining Verisk was at a top-10 insurer where he spent 18 years in various data science positions utilizing his deep knowledge to help improve insurance rates, refine marketing via customer lifetime value, and enhance claims processes through artificial intelligence and machine learning. Greg can be reached at Gregory.Firestone@verisk.com.