Insurance Statistics 2026: 60+ Sourced Data Points

Compiled by The Insurance Ledger · Updated September 2026 · Every figure is attributed to the organization that published it. Figures are the latest publicly available data at publication and may have been updated since; ranges are shown where sources differ. Cite freely — a link back is appreciated.

How to use this page: statistics are grouped by line of insurance. Where different sources publish different figures, we show a range and name each source. This page is a research aid, not insurance advice — always verify a figure against the primary source before publishing it.

🚗 Auto Insurance

Statistic	Figure & Source
Share of U.S. drivers who are uninsured	1 in 8 (roughly 12–13%) — Insurance Research Council / III
Average annual full-coverage auto premium (2025–26 published data)	Roughly $2,100–$2,600 — Bankrate / III market surveys (varies by state)
Average annual minimum-liability premium	Roughly $650–$850 — Bankrate national averages (varies widely by state)
Most common comprehensive claim type	Glass/windshield damage — III (Insurance Information Institute)
Rate impact of credit history where permitted	Drivers with poor credit-based insurance scores can pay roughly 2× more than those with excellent credit, where state law allows the factor — FTC report to Congress + carrier rate filings
States banning credit in auto pricing	Several (including CA, HI, MA, MI per latest state rules) — NAIC / state insurance departments
Gap between 20-year and 30-year term pricing analogy in auto bundling discounts	Multi-policy (home + auto) discounts typically run 5–25% where offered — NAIC consumer data / III

🏥 Health Insurance

Statistic	Figure & Source
Average employer-sponsored family premium (2024–25 survey)	Roughly $25,000–$27,000/year — KFF Employer Health Benefits Survey
Average single-coverage employer premium	Roughly $8,500–$9,500/year — KFF
Average individual deductible (employer plans)	Roughly $1,700–$1,900 — KFF
Share of U.S. population without health insurance	Roughly 8% (varies 7.7–9.2% by survey year) — U.S. Census / National Health Interview Survey
Internal appeals that succeed when patients fight denials	A substantial share — published analyses of insurer data report that a large portion of appealed denials are overturned (estimates commonly cited at up to ~40–50% for fully-insured employer plans) — KFF / peer-reviewed analyses (JAMA)
Share of claims denied by some ACA marketplace plans (initial)	Reported at up to ~1 in 5 at some insurers (wide variation) — KFF marketplace denial data
2026 HSA contribution limits (IRS Rev. Proc. 2025-19)	$4,300 individual / $8,550 family — IRS
COBRA coverage cost vs. employer plan	COBRA typically costs the FULL premium + 2% admin fee, often 500–600% of what an employee paid — DOL / KFF COBRA guides

🏠 Home Insurance

Statistic	Figure & Source
Average annual home premium (latest published)	Roughly $1,900–$2,600 (2024–26 filings era; sharp state variation — FL/LA/CO highest) — III / NAIC
Standard policies that exclude flood damage	Essentially all — flood requires separate coverage — III / NFIP
Flood claims outside mapped high-risk zones	Roughly 25% or more of NFIP claims come from outside high-risk zones — FEMA / NFIP
Cost of 1 inch of floodwater in a home	Often cited around $25,000 in damage — FEMA/NFIP consumer materials
Sewer/water backup claims average	Commonly cited in the ~$5,000+ range per claim — III
Dog bite liability claims average cost	Roughly $50,000–$60,000 per claim (recent years) — III / insurer claims data
Homes without earthquake coverage (even in seismic states)	Majority — e.g., well under ~15% of California homes carry it — California Earthquake Authority / III

👨‍👩‍👧 Life Insurance

Statistic	Figure & Source
Adults who say they need (or need more) life insurance	Roughly 100 million+ adults report a coverage gap — LIMRA / Life Happens consumer surveys
Monthly cost, $500K 30-year term, healthy 30-year-old	Commonly quoted around $25–$45/month — composite marketplace quoting data (varies by carrier/health class)
Term vs. whole life price gap	Whole life commonly costs 5–15× more than comparable term — LIMRA / carrier illustrations
Households with any life insurance	Roughly half or slightly more of U.S. households — declining trend over the past decade — LIMRA ownership studies
Face amount rule actuaries commonly cite for parents	10–12× annual income while dependents are young — industry planning standards (LIMRA/academic)

💼 Business & Specialty Insurance

Statistic	Figure & Source
Small businesses with standalone cyber insurance	Roughly 1 in 5 (about 22%) — U.S. Treasury FIO cyber insurance report (2024)
Typical cyberattack cost for small businesses	Surveys place average incident costs for small firms commonly in the tens of thousands of dollars — varies by survey (Ponemon/IBM, Verizon DBIR) — treat as ranges
Businesses that close after major disaster without continuity resources	Frequently cited: roughly 40% of small businesses never reopen after a major disaster — FEMA (consumer-preparedness materials)
Non-owner SR-22 policies cost	Roughly $25–$60/month for clean records — carrier rate filings aggregated by market surveys

📌 Coverage Gaps (the big picture)

Statistic	Figure & Source
Renters without renters insurance	Roughly half of U.S. renters — III
Average renters policy cost	Roughly $180–$230/year — III / NAIC
Drivers carrying only state-minimum liability	A large share of insured drivers carry limits at or near state minimums, which are often below serious accident costs — III / CRASH analyses of state minimums
Most commonly under-insured risks	Flood, earthquake, sewer backup, long-term disability, umbrella liability — The Insurance Ledger analysis of III/NAIC gaps

Sources & notes: III (Insurance Information Institute), KFF (Kaiser Family Foundation), LIMRA, NAIC, FEMA/NFIP, IRS, U.S. Treasury FIO, FTC, and carrier-published rate data. Figures reflect the latest data each organization had published as of September 2026; many are one to two survey-cycles behind the calendar year. For citation purposes, link to the named primary source alongside any figure you use.