2025: Commercial Auto Insurance Market - Challenges and Opportunities



Price : $2,750.00



Conning’s 2025 Commercial Auto Study delivers an analysis of one of the insurance industry’s most challenging sectors. Despite 13 years of rate hikes, commercial auto insurance remains deeply unprofitable, with claims costs and legal pressures outpacing premium growth. The study reveals how persistent underwriting losses, rising litigation, and economic volatility have created a market in crisis—2024 alone saw a $5 billion net underwriting loss and a combined ratio of 107%.


This report explores the evolving risk landscape, including the impact of driver shortages, nuclear verdicts, supply chain disruptions, and the rapid adoption of electric vehicles. It provides detailed segmentation by vehicle type and industry, highlights the dual crisis of escalating liability and physical damage claims, and examines how technology, telematics, and AI are reshaping risk control.


This study offers valuable insights into the challenges and opportunities shaping the market, with in-depth analysis, data-driven trends, and forward-looking strategies, the 2025 Commercial Auto Study is your essential resource for understanding what’s ahead.



Table of Contents:



  1. The State of the Market: Persistent Challenges and Mounting Losses... 4

  2. Market Segmentation and Industry Specific Risks...7

  3. The Dual Crisis in Commercial Auto Insurance: Escalating Liability Losses and Post Pandemic Physical Damage Challenges...16

  4. Risk Controlled Measures...21

  5. The Road Ahead - Commercial Auto Insurance Profitability and Future Projections...25