<p>根据 LexisNexis® Risk Solutions 最新发布的美国保险需求计量器，2025 年第四季度，美国汽车保险的购物活动依然保持高涨。季度同比购物增长被评为 “火热”，在需求计量器上上升至 6.9%，而新保单增长也同样获得 “火热” 评级，增至 7.1%。</p>
<p><strong>主要结论</strong></p>
<ul>
<li><strong>购物增长保持 “火热”</strong>：2025 年第四季度，美国汽车保单购物的季度同比保持 “火热” 评级，较第三季度的 6.4% 增长略有上升。</li>
<li><strong>新保单增长在短暂的 “温暖” 期后升至 “火热”</strong>：季度同比新保单增长增至 7.1%，从 “温暖” 区域跃升至 “火热”，较上季度的 2.8% 增长有所上升。</li>
<li><strong>年长购物者在增长方面超越年轻群体</strong>：66 岁及以上的保单持有者在其他群体中展现出最高的增长率，这一趋势已持续了 12 个季度。在第四季度，该群体的购物增长率达到了 11%，超越了年轻购物者。</li>
<li><strong>独家代理分销渠道在 2025 年首次显示出积极增长</strong>：尽管直接渠道以 12.6% 的增长率继续超越独家和独立代理渠道，但独家渠道在 2025 年首次实现了 5.3% 的正增长率。</li>
</ul>
<p><img src="https://imageproxy.pbkrs.com/https://mma.prnewswire.com/media/2905341/LexisNexis_Trends_from_Q4_2025.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="400" height="308" original-src="https://imageproxy.pbkrs.com/https://mma.prnewswire.com/media/2905341/LexisNexis_Trends_from_Q4_2025.jpg"/></p>
<p><strong>长期保单持有者、标准购物者和直接渠道助推增长</strong></p>
<p>66 岁及以上的消费者、标准购物者和直接渠道在 2025 年第四季度的美国汽车保单购物中继续引领，增长率最高；然而，独家代理渠道也出现了显著增长。</p>
<p>66 岁及以上的购物者最为活跃，季度同比增长率达到了 11%。自 2023 年第一季度以来，该群体在购物增长方面始终超越年轻群体。此外，直接渠道的购物活动增长了 12.6%，相比上季度的 14.1% 增长略有放缓。此外，独家渠道在 2025 年首次实现了 5.3% 的正增长率，这可能与独家渠道承保商增加广告支出有关。然而，独立渠道的增长趋势仍在下降，降至-0.1%，这是自 2024 年第一季度以来首次出现负增长率。</p>
<p>这些动态推动了年度购物率达到 LexisNexis 美国保险需求计量器创立以来的新高。截至 2025 年第四季度，47.1% 的在保单中至少有一次在过去 12 个月内进行了购物，较 2024 年第四季度增加了 1.9 个百分点，较 2023 年第四季度增加了 5.9 个百分点。</p>
<p><strong>大多数费率申请为下降</strong></p>
<p>在第四季度，25% 的费率修订为上调，平均上调幅度为 +5.1%。另有 25% 为费率中性申请，50% 的费率调整为下降。这转化为整体行业费率影响为-0.5%。这些变化在一定程度上反映了前 25 大汽车承保商的费率活动，其中 41% 的费率修订为下降，35% 为上调，23% 为费率中性。在这一组保险承保商中，整体费率影响为-0.7%。这些下降的费率趋势共同促成了消费者购物活动的增加，因为驾驶者寻求更有利的定价条件。</p>
<p>“2025 年提醒我们，我们正处于一个非传统的保险周期中。即使市场从急剧的费率上升转向广泛的下降，购物和新业务仍然保持高位，” LexisNexis Risk Solutions 美国汽车和家庭保险高级副总裁兼总经理 Jeff Batiste 表示。“在这种环境下，随意降价可能会将今天的增长转变为明天的波动——尤其是在长期客户中。保持细分和纪律在战略中心的保险公司，并在增长中设定护栏，应该能够很好地应对 2026 年的挑战。”</p>
<p><strong>审视重复购物者</strong></p>
<p>LexisNexis Risk Solutions 的一项内部研究对一部分消费者进行了深入分析，这些保单持有者在 2023 年 7 月至 2024 年 6 月期间没有进行购物，并将他们分为两组：在 2024 年 7 月购物的——<em>曾被搁置的购物者</em>——和继续不购物的——_等待而非诱惑_群体。正如上季度报告所述，我们发现，当_曾被搁置的购物者_进行购物时，他们在接下来的六个月内再次购物的可能性是_等待而非诱惑_群体的两倍。</p>
<p>在本期中，我们深入挖掘了与这些购物者的年龄和持有时间相关的见解。</p>
<p>在年龄方面，_曾被搁置的购物者_群体中，66 岁及以上的群体占 22%，而在整体购物人群中仅占 16%。这一年龄组自 2024 年以来以加速的速度增长，表明一旦年长购物者开始购物，他们就意识到好处并再次进行购物。</p>
<p>在比较_曾被搁置的购物者_与所有购物者的持有时间时，持有超过 10 年的客户在_曾被搁置的购物者_群体中占 29%，而在整体购物人群中仅占 19%。之前对其保险公司忠诚的长期客户现在正在寻求更好的费率，并愿意更频繁地进行购物。</p>
<p><strong>展望未来</strong></p>
<p>费率上调、注重钱包的消费者以及推动美国汽车保单购物和新业务量的营销项目打破了记录，使得最后一个季度比往常更加活跃。行业应关注第四季度的新一波费率调整是否会对消费者的购物欲望产生影响，或者近期的购物行为是否鼓励了更频繁的购物。</p>
<p>下载最新的美国保险需求指标。</p>
<p><strong>LexisNexis 美国保险需求指标</strong> LexisNexis® 美国保险需求指标是对购物量和频率、新业务量及相关数据点的季度分析。LexisNexis 风险解决方案基于自 2009 年以来对消费者购物交易的分析，提供了美国消费者购物和切换行为的独特市场视角，涵盖了近 90% 的美国保险购物活动。</p>
<p><strong>关于 LexisNexis 风险解决方案</strong> LexisNexis® 风险解决方案利用数据、复杂的分析平台和技术解决方案的力量，提供洞察，帮助多个行业和政府实体降低风险、改善决策，以造福全球人民。我们总部位于乔治亚州亚特兰大市，在全球设有办事处，并且是 RELX（伦敦证券交易所：REL/纽约证券交易所：RELX）的一部分，RELX 是一家为专业和商业客户提供基于信息的分析和决策工具的全球供应商。有关更多信息，请访问 www.risk.lexisnexis.com 和 www.relx.com。</p>
<p><strong>媒体联系人：</strong> Annalysce Baker</p>
<p>LexisNexis 风险解决方案</p>
<p>电话：+1 678.436.1579</p>
<p>annalysce.baker@lexisnexisrisk.com</p>
<p>1 标普全球市场情报（及其附属公司，视情况而定），2026 年 1 月 2 日</p>
<p>2 同上</p>
<p><img src="https://imageproxy.pbkrs.com/https://mma.prnewswire.com/media/491370/324390_LexisNexis_Risk_Solutions_Logo_1yHighv1.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="400" height="121" original-src="https://imageproxy.pbkrs.com/https://mma.prnewswire.com/media/491370/324390_LexisNexis_Risk_Solutions_Logo_1yHighv1.jpg"/></p>
<p>来源：LexisNexis 风险解决方案</p>

RELX

<p>美国汽车保险购物和新保单增长在 2025 年第四季度达到了创纪录的水平，购物增长率为 6.9%，新保单增长率为 7.1%。值得注意的是，66 岁及以上的保单持有者显示出最高的增长率，达到 11%。独家代理渠道在 2025 年首次实现正增长，而独立渠道则出现了下降。总体来看，过去一年中，47.1% 的在保单中进行了购物。尽管出现了降价趋势，购物活动仍然保持高位，表明保险市场动态活跃</p>

<p>, /PRNewswire/ -- Shopping for U.S. auto insurance remained in high gear through the fourth quarter of 2025, according to the latest U.S. Insurance Demand Meter from LexisNexis® Risk Solutions. The quarterly year-over-year shopping growth registered &#34;Hot&#34;, rising to 6.9% on the Demand Meter, while new policy growth also clenched a &#34;Hot&#34; reading, increasing to 7.1%.</p>
<div class="lb-trans"><p>根据 LexisNexis® Risk Solutions 最新发布的美国保险需求计量器，2025 年第四季度，美国汽车保险的购物活动依然保持高涨。季度同比购物增长被评为 “火热”，在需求计量器上上升至 6.9%，而新保单增长也同样获得 “火热” 评级，增至 7.1%。</p>
</div><p><strong>Key Takeaways</strong></p>
<div class="lb-trans"><p><strong>主要结论</strong></p>
</div><ul>
<li><strong>Shopping Growth Stays &#34;Hot&#34;</strong>: Quarterly year-over-year U.S. auto policy shopping maintained its &#34;Hot&#34; reading in Q4 and slightly increased over the 6.4% growth seen in the third quarter.</li>
<li><strong>New Policy Growth Rises to &#34;Hot&#34; after Brief Hiatus in &#34;Warm&#34;</strong>: Quarterly year-over-year new policy growth increased to 7.1%, pulling it from &#34;Warm&#34; to &#34;Hot&#34; territory and up from 2.8% growth the previous quarter.</li>
<li><strong>Older Shoppers Outpace Younger Demographics When It Comes to Growth</strong>: Policyholders aged 66 and older exhibited the highest growth rate among other cohorts, a trend that has continued for 12 consecutive quarters. In Q4, this group outpaced younger shoppers with an 11% increase in shopping growth.</li>
<li><strong>Exclusive Agent Distribution Channel Shows Positive Growth for First Time in 2025</strong>: Although the direct channel continued to outperform both the exclusive and independent agent channels with a 12.6% growth rate, the exclusive channel did see a positive growth rate, 5.3%, for the first time in 2025.</li>
</ul>
<div class="lb-trans"><ul>
<li><strong>购物增长保持 “火热”</strong>：2025 年第四季度，美国汽车保单购物的季度同比保持 “火热” 评级，较第三季度的 6.4% 增长略有上升。</li>
<li><strong>新保单增长在短暂的 “温暖” 期后升至 “火热”</strong>：季度同比新保单增长增至 7.1%，从 “温暖” 区域跃升至 “火热”，较上季度的 2.8% 增长有所上升。</li>
<li><strong>年长购物者在增长方面超越年轻群体</strong>：66 岁及以上的保单持有者在其他群体中展现出最高的增长率，这一趋势已持续了 12 个季度。在第四季度，该群体的购物增长率达到了 11%，超越了年轻购物者。</li>
<li><strong>独家代理分销渠道在 2025 年首次显示出积极增长</strong>：尽管直接渠道以 12.6% 的增长率继续超越独家和独立代理渠道，但独家渠道在 2025 年首次实现了 5.3% 的正增长率。</li>
</ul>
</div><p><img src="https://imageproxy.pbkrs.com/https://mma.prnewswire.com/media/2905341/LexisNexis_Trends_from_Q4_2025.jpg" alt="" original-src="https://mma.prnewswire.com/media/2905341/LexisNexis_Trends_from_Q4_2025.jpg"/></p>
<p><strong>Long-Tenured Policy Holders, Standard Shoppers and Direct Channel Help Propel Growth</strong></p>
<div class="lb-trans"><p><strong>长期保单持有者、标准购物者和直接渠道助推增长</strong></p>
</div><p>Consumers aged 66 and older, standard shoppers and the direct channel continued to lead Q4 2025 U.S. auto policy shopping with the highest growth rates; however, the exclusive agent channel saw notable growth, too.</p>
<div class="lb-trans"><p>66 岁及以上的消费者、标准购物者和直接渠道在 2025 年第四季度的美国汽车保单购物中继续引领，增长率最高；然而，独家代理渠道也出现了显著增长。</p>
</div><p>Shoppers 66 and older were the most active, achieving a quarterly year-over-year growth rate of 11%. This group has consistently outpaced younger demographics in terms of shopping growth since Q1 2023. Additionally, shopping activity through the direct channel grew 12.6%, which represents a slight cooling from last quarter's 14.1% growth. Additionally, for the first time in 2025, the exclusive channel posted a positive growth rate, 5.3%, likely tied to increased ad spending from exclusive channel carriers. However, the independent channel continued experiencing a downward growth trajectory, dipping to -0.1%, the first negative growth rate since Q1 2024.</p>
<div class="lb-trans"><p>66 岁及以上的购物者最为活跃，季度同比增长率达到了 11%。自 2023 年第一季度以来，该群体在购物增长方面始终超越年轻群体。此外，直接渠道的购物活动增长了 12.6%，相比上季度的 14.1% 增长略有放缓。此外，独家渠道在 2025 年首次实现了 5.3% 的正增长率，这可能与独家渠道承保商增加广告支出有关。然而，独立渠道的增长趋势仍在下降，降至-0.1%，这是自 2024 年第一季度以来首次出现负增长率。</p>
</div><p>Many of these dynamics helped drive the annual shop rate to a new all-time high since the inception of the LexisNexis U.S. Insurance Demand Meter. As of Q4 2025, 47.1% of policies-in-force had been shopped at least once in the past 12 months, a 1.9-point increase from Q4 2024 and a 5.9-point increase from Q4 2023.</p>
<div class="lb-trans"><p>这些动态推动了年度购物率达到 LexisNexis 美国保险需求计量器创立以来的新高。截至 2025 年第四季度，47.1% 的在保单中至少有一次在过去 12 个月内进行了购物，较 2024 年第四季度增加了 1.9 个百分点，较 2023 年第四季度增加了 5.9 个百分点。</p>
</div><p><strong>The Majority of Rate Filings were Decreases</strong></p>
<div class="lb-trans"><p><strong>大多数费率申请为下降</strong></p>
</div><p>In Q4, 25% of rate revisions were increases, with an average increase of +5.1%. Another 25% were rate-neutral filings, and 50% of rate modifications were decreases. This translated to an overall industry rate impact of -0.5%.1 These changes somewhat mirrored the Top 25 auto carrier rate activity, among which 41% of rate revisions were decreases, 35% were increases and 23% were rate-neutral. Among this group of insurance carriers, the overall rate impact was -0.7%.2 Together, these declining rate trends helped contribute to increased consumer shopping activity as drivers sought more favorable pricing conditions</p>
<div class="lb-trans"><p>在第四季度，25% 的费率修订为上调，平均上调幅度为 +5.1%。另有 25% 为费率中性申请，50% 的费率调整为下降。这转化为整体行业费率影响为-0.5%。这些变化在一定程度上反映了前 25 大汽车承保商的费率活动，其中 41% 的费率修订为下降，35% 为上调，23% 为费率中性。在这一组保险承保商中，整体费率影响为-0.7%。这些下降的费率趋势共同促成了消费者购物活动的增加，因为驾驶者寻求更有利的定价条件。</p>
</div><p>&#34;2025 reminded us that we're operating outside of a traditional insurance cycle. Even as the market shifts from steep rate increases to broad-based decreases, shopping and new business remain elevated,&#34; said Jeff Batiste, senior vice president and general manager, U.S. auto and home insurance, LexisNexis Risk Solutions. &#34;In this environment, cutting rates without precision can turn today's growth into tomorrow's volatility — especially among longer-tenured customers. Insurers that keep segmentation and discipline at the center of their strategies and enact growth with guardrails should be well positioned for whatever 2026 brings.&#34;</p>
<div class="lb-trans"><p>“2025 年提醒我们，我们正处于一个非传统的保险周期中。即使市场从急剧的费率上升转向广泛的下降，购物和新业务仍然保持高位，” LexisNexis Risk Solutions 美国汽车和家庭保险高级副总裁兼总经理 Jeff Batiste 表示。“在这种环境下，随意降价可能会将今天的增长转变为明天的波动——尤其是在长期客户中。保持细分和纪律在战略中心的保险公司，并在增长中设定护栏，应该能够很好地应对 2026 年的挑战。”</p>
</div><p><strong>Examining Repeat Shoppers</strong></p>
<div class="lb-trans"><p><strong>审视重复购物者</strong></p>
</div><p>A LexisNexis Risk Solutions internal study examined a subset of consumers for deeper analysis, policyholders who had not shopped their policies from July 2023 to June 2024, and broke them up into two groups: those who shopped in July of 2024 – <em>Once-Sidelined Shoppers</em> – and those who continued to refrain from shopping– the <em>Waited, not Baited</em> cohort. As reported in last quarter's edition, we found that when <em>Once-Sidelined Shoppers</em> shopped, they were then twice as likely to shop again, particularly within the next six months, compared to the <em>Waited, not Baited</em> group.</p>
<div class="lb-trans"><p>LexisNexis Risk Solutions 的一项内部研究对一部分消费者进行了深入分析，这些保单持有者在 2023 年 7 月至 2024 年 6 月期间没有进行购物，并将他们分为两组：在 2024 年 7 月购物的——<em>曾被搁置的购物者</em>——和继续不购物的——_等待而非诱惑_群体。正如上季度报告所述，我们发现，当_曾被搁置的购物者_进行购物时，他们在接下来的六个月内再次购物的可能性是_等待而非诱惑_群体的两倍。</p>
</div><p>In this edition, we dug more deeply into insights related to the age and tenure of these shoppers.</p>
<div class="lb-trans"><p>在本期中，我们深入挖掘了与这些购物者的年龄和持有时间相关的见解。</p>
</div><p>When it came to age, the largest demographic within the <em>Once-Sidelined Shopper</em> group is the 66 and older cohort, accounting for 22% of that population, compared to their representation of 16% in the total shopping population. This age group has been growing at an accelerated rate since 2024, indicating that once older shoppers are shopping, they're realizing the benefits and shopping again.</p>
<div class="lb-trans"><p>在年龄方面，_曾被搁置的购物者_群体中，66 岁及以上的群体占 22%，而在整体购物人群中仅占 16%。这一年龄组自 2024 年以来以加速的速度增长，表明一旦年长购物者开始购物，他们就意识到好处并再次进行购物。</p>
</div><p>When comparing the tenure of the <em>Once-Sidelined Shoppers</em> to all shoppers, those with more than 10 years of tenure comprised 29% of the <em>Once-Sidelined Shoppers</em> group, compared to the 19% they accounted for among the overall shopping population. Longer tenured customers who were previously loyal to their insurers are now seeking better rates and are willing to shop more frequently.</p>
<div class="lb-trans"><p>在比较_曾被搁置的购物者_与所有购物者的持有时间时，持有超过 10 年的客户在_曾被搁置的购物者_群体中占 29%，而在整体购物人群中仅占 19%。之前对其保险公司忠诚的长期客户现在正在寻求更好的费率，并愿意更频繁地进行购物。</p>
</div><p><strong>Looking Ahead</strong></p>
<div class="lb-trans"><p><strong>展望未来</strong></p>
</div><p>Rate increases, wallet-conscious consumers and marketing programs that helped drive U.S. auto policy shopping and new business volumes broke record levels and made the final quarter more active than usual. The industry should be watching to see if the new wave of rate adjustments seen in Q4 exercise any impact on consumers' urge to shop or if recent shopping behavior has encouraged more frequent shopping.</p>
<div class="lb-trans"><p>费率上调、注重钱包的消费者以及推动美国汽车保单购物和新业务量的营销项目打破了记录，使得最后一个季度比往常更加活跃。行业应关注第四季度的新一波费率调整是否会对消费者的购物欲望产生影响，或者近期的购物行为是否鼓励了更频繁的购物。</p>
</div><p>Download the latest U.S. Insurance Demand Meter.</p>
<div class="lb-trans"><p>下载最新的美国保险需求指标。</p>
</div><p><strong>LexisNexis U.S. Insurance Demand Meter</strong> The LexisNexis® U.S. Insurance Demand Meter is a quarterly analysis of shopping volume and frequency, new business volume and related data points. LexisNexis Risk Solutions offers this unique market-wide perspective of U.S. consumer shopping and switching behavior based on its analysis of consumer shopping transactions since 2009, representing nearly 90% of the universe of U.S. insurance shopping activity.</p>
<div class="lb-trans"><p><strong>LexisNexis 美国保险需求指标</strong> LexisNexis® 美国保险需求指标是对购物量和频率、新业务量及相关数据点的季度分析。LexisNexis 风险解决方案基于自 2009 年以来对消费者购物交易的分析，提供了美国消费者购物和切换行为的独特市场视角，涵盖了近 90% 的美国保险购物活动。</p>
</div><p><strong>About LexisNexis Risk Solutions</strong> LexisNexis® Risk Solutions harnesses the power of data, sophisticated analytics platforms and technology solutions to provide insights that help businesses across multiple industries and governmental entities reduce risk and improve decisions to benefit people around the globe. Headquartered in metro Atlanta, Georgia, we have offices throughout the world and are part of RELX (LSE: REL/NYSE: RELX), a global provider of information-based analytics and decision tools for professional and business customers. For more information, please visit www.risk.lexisnexis.com, and www.relx.com.</p>
<div class="lb-trans"><p><strong>关于 LexisNexis 风险解决方案</strong> LexisNexis® 风险解决方案利用数据、复杂的分析平台和技术解决方案的力量，提供洞察，帮助多个行业和政府实体降低风险、改善决策，以造福全球人民。我们总部位于乔治亚州亚特兰大市，在全球设有办事处，并且是 RELX（伦敦证券交易所：REL/纽约证券交易所：RELX）的一部分，RELX 是一家为专业和商业客户提供基于信息的分析和决策工具的全球供应商。有关更多信息，请访问 www.risk.lexisnexis.com 和 www.relx.com。</p>
</div><p><strong>Media Contacts:</strong> Annalysce Baker</p>
<div class="lb-trans"><p><strong>媒体联系人：</strong> Annalysce Baker</p>
</div><p>LexisNexis Risk Solutions</p>
<div class="lb-trans"><p>LexisNexis 风险解决方案</p>
</div><p>Phone: +1 678.436.1579</p>
<div class="lb-trans"><p>电话：+1 678.436.1579</p>
</div><p>annalysce.baker@lexisnexisrisk.com</p>
<div class="lb-trans"><p>annalysce.baker@lexisnexisrisk.com</p>
</div><p>1 S&amp;P Global Market Intelligence (and its affiliates, as applicable), January 2, 2026</p>
<div class="lb-trans"><p>1 标普全球市场情报（及其附属公司，视情况而定），2026 年 1 月 2 日</p>
</div><p>2 Ibid</p>
<div class="lb-trans"><p>2 同上</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://mma.prnewswire.com/media/491370/324390_LexisNexis_Risk_Solutions_Logo_1yHighv1.jpg" alt="" original-src="https://mma.prnewswire.com/media/491370/324390_LexisNexis_Risk_Solutions_Logo_1yHighv1.jpg"/></p>
<p>SOURCE LexisNexis Risk Solutions</p>
<div class="lb-trans"><p>来源：LexisNexis 风险解决方案</p>
</div>

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