US Commercial Insurance Rates Rise by 3.8% for Second Consecutive Quarter in Q3 2025

US commercial insurance rates increased by 3.8% in the third quarter of 2025, marking the second consecutive quarter with a rate rise of approximately 3.8%. This trend indicates continued upward pressure on commercial insurance premiums in the US market amid evolving risk and claims environments. The steady increase reflects insurer adjustments to underwriting strategies and risk management in response to market conditions.