I’ve been a CPA since 1981, and writing about money for 35 years. I’ve watched insurers get very good at one thing: figuring out which customers won’t shop around.
Your renewal notice looks like a routine bill. For some insurers, it’s something else: a test of how big an increase you’ll accept before you start shopping.
That test is getting more expensive to fail. The average full-coverage policy now costs about $2,256 a year, up 3% from last year and roughly 75% since 2016, according to The Zebra’s 2026 State of Insurance report.
And on Sept. 2, Texas formally told insurers that the pricing trick behind that test breaks state law.
Short on…
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