S&P Global Market Intelligence projects steady profitability for US P&C insurers in 2025, highlighting private auto recovery and challenges in homeowners and commercial lines amid catastrophe losses and social inflation.

U.S. auto insurers have returned to profitability after years of losses but face challenges with customer satisfaction and retention, especially among high-value policyholders. Service quality and seamless cross-channel interactions are now crucial for sustaining growth.

U.S. auto insurers return to profitability and shift focus to customer retention amid challenges with 38% low customer satisfaction, per J.D. Power 2025 study.

In 2024, U.S. home insurance premiums rose 13.7% to $152 billion, with notable loss ratio improvements for insurers like State Farm and Liberty Mutual, indicating enhanced profitability and underwriting effectiveness in the property and casualty market.