Insurance Price Monitor
Car insurance -5.0%Renters and household insurance +3.0%Health insurance -9.0%All items (overall inflation) +3.7%12 months to September 2026

Renters and household insurance prices

Renters and household insurance prices: up 3.0% in a year

The Consumer Price Index for tenants' and household insurance rose 3.0% in the 12 months to September 2026, compared with +3.7% for all items. It is +15.8% above its January 2020 level.

This is not homeowners insurance

The CPI does not include a homeowners insurance index. BLS treats owner-occupied housing through owners' equivalent rent, so the cost of insuring the structure of an owned home is outside the CPI. This index covers contents insurance. BLS prices renters policies only, and part of what homeowners spend on contents cover counts toward its weight. For homeowners insurance availability see our sister site Insurable Homes.

12-month change, September 2026+3.0%All items: +3.7%
Since January 2020+15.8%All items: +30.6%
Since January 2007+49.1%All items: +66.5%
Index, September 2026175.1December 1997 = 100

12-month change since 2007

0%5%10%2008201020122014201620182020202220242026

Renters and household insuranceAll items (overall inflation)

Percent change from the same month a year earlier, not seasonally adjusted

This scales an amount by the national price index. Your own premium depends on your insurer, location, belongings and cover, and can change by a very different amount.

Month by month

MonthIndex12-month changeAll items, 12-month
September 2026175.093+3.0%+3.7%
August 2026174.806+4.1%+3.4%
July 2026174.868+4.8%+3.4%
June 2026174.995+5.9%+3.5%
May 2026174.650+6.9%+4.2%
April 2026173.732+7.2%+3.8%
March 2026173.564+7.4%+3.3%
February 2026172.070+6.2%+2.4%
January 2026171.940+6.9%+2.4%
December 2025172.129+8.2%+2.7%
November 2025170.366+7.0%+2.7%
October 2025Not publishedNot publishedNot published
September 2025169.935+7.5%+3.0%
August 2025167.940+5.7%+2.9%
July 2025166.862+5.8%+2.7%
June 2025165.254+4.8%+2.7%
May 2025163.387+2.9%+2.4%
April 2025162.078+2.6%+2.3%
March 2025161.639+2.2%+2.4%
February 2025162.093+3.0%+2.8%
January 2025160.837+2.1%+3.0%
December 2024159.148+1.7%+2.9%
November 2024159.147+2.0%+2.7%
October 2024159.198+2.5%+2.6%
September 2024158.068+2.2%+2.4%
August 2024158.871+3.6%+2.5%
July 2024157.667+3.1%+2.9%
June 2024157.614+3.2%+3.0%
May 2024158.713+4.3%+3.3%
April 2024158.001+4.0%+3.4%
March 2024158.110+4.6%+3.5%
February 2024157.314+4.1%+3.2%
January 2024157.490+4.1%+3.1%
December 2023156.454+3.6%+3.4%
November 2023156.059+3.4%+3.1%
October 2023155.298+2.9%+3.2%

Sources

  1. US Bureau of Labor Statistics, Consumer Price Index for All Urban Consumers (CPI-U), US city average, not seasonally adjusted, series CUUR0000 plus item code, retrieved through the BLS Public Data API
  2. US Bureau of Labor Statistics, CPI news release Table 2, September 2026

Checked 29 October 2026. BLS did not publish most October 2025 index values because of the 2025 lapse in federal appropriations, and did not publish November 2025 for motor vehicle insurance. Those months show as not published.