J.D. Power says the number of people purchasing insurance digitally is on the rise. The The Digital Insurance Predictions 2026 survey finds 44% of insurance policy buyers are now getting their insurance via those channels.
On the 1,000 point scale, digital customers are ranking their experience at 801 or even higher, and 92% say they will continue to use digital channels in the future.
The survey had a number of different respondents from various sides of insurance.
- 33% of responses were agencies and brokerages
- 18% were P&C carriers
- 15% were multi-line carriers
- 12% of respondents were health insurance carriers
- 7% were life insurers
The Digital Insurance Predictions 2026 survey also asked respondents about how technology is changing their approach to insurance. Many had worries with 53% concerned about cyber security and intelligence tools and 52% expressed concern about Gen AI.
Looking at consumers, the number doing auto shopping rose to 57% in 2025. That’s up from 49% in 2024. The report says higher premium costs has consumers wanting more from insurance companies.
As a counter, 17% of auto insurers now offer usage-based insurance. That’s up from 15% in 2024 but down from 2023 when 22% of auto insurance companies had usage-based insurance as a policy option.
The report noted artificial intelligence is creeping into consumer insurance shopping. J.D. Power’s report suggests insurance companies need pay more attention to how they communicate with consumers and offer them personalized information on their policies and premiums.