Insurance inflation: annual rate by year since 1989
-2.6%
4.3%
The ONS gives an annual CPI rate for insurance (COICOP 12.5) for every year from 1989 to 2025: 37 years. In 2025 prices in this class were 2.6% lower on average than in 2024, against 3.4% for all CPI items. The highest yearly rate in the series is 25.3% in 1992; the lowest is -7.8% in 1996. The rate for this class was higher than the all-items CPI rate in 26 of the 37 years where both are published. Prices in this class fell on average in 5 years. The index (2015 = 100) stood at 100.0 in 2015 and 165.8 in 2025.
Insurance inflation by year
| Year | Annual rate | Index (2015 = 100) | CPI inflation that calendar year (ONS, D7G7) | Difference |
|---|---|---|---|---|
| 2025 | -2.6% | 165.8 | 3.4% | -6.0 points |
| 2024 | 9.7% | 170.1 | 2.5% | +7.2 points |
| 2023 | 19.2% | 155.1 | 7.3% | +11.9 points |
| 2022 | 13.3% | 130.1 | 9.1% | +4.2 points |
| 2021 | -3.6% | 114.8 | 2.6% | -6.2 points |
| 2020 | 2.2% | 119.1 | 0.9% | +1.3 points |
| 2019 | 0.5% | 116.6 | 1.8% | -1.3 points |
| 2018 | 0.5% | 115.9 | 2.5% | -2.0 points |
| 2017 | 6.5% | 115.3 | 2.7% | +3.8 points |
| 2016 | 8.3% | 108.3 | 0.7% | +7.6 points |
| 2015 | 1.6% | 100.0 | 0.0% | +1.6 points |
| 2014 | 2.7% | 98.4 | 1.5% | +1.2 points |
| 2013 | 0.0% | 95.8 | 2.6% | -2.6 points |
| 2012 | 3.2% | 95.8 | 2.8% | +0.4 points |
| 2011 | 13.8% | 92.8 | 4.5% | +9.3 points |
| 2010 | 18.0% | 81.6 | 3.3% | +14.7 points |
| 2009 | 7.2% | 69.1 | 2.2% | +5.0 points |
| 2008 | 2.5% | 64.5 | 3.6% | -1.1 points |
| 2007 | 3.9% | 62.9 | 2.3% | +1.6 points |
| 2006 | 1.6% | 60.5 | 2.3% | -0.7 points |
| 2005 | -0.3% | 59.6 | 2.1% | -2.4 points |
| 2004 | 2.7% | 59.7 | 1.3% | +1.4 points |
| 2003 | 6.7% | 58.1 | 1.4% | +5.3 points |
| 2002 | 6.4% | 54.5 | 1.3% | +5.1 points |
| 2001 | 8.1% | 51.2 | 1.2% | +6.9 points |
| 2000 | 12.3% | 47.4 | 0.8% | +11.5 points |
| 1999 | 6.5% | 42.2 | 1.3% | +5.2 points |
| 1998 | 6.4% | 39.6 | 1.6% | +4.8 points |
| 1997 | 3.1% | 37.2 | 1.8% | +1.3 points |
| 1996 | -7.8% | 36.1 | 2.4% | -10.2 points |
| 1995 | -6.0% | 39.2 | 2.6% | -8.6 points |
| 1994 | 3.3% | 41.7 | 2.0% | +1.3 points |
| 1993 | 13.7% | 40.3 | 2.5% | +11.2 points |
| 1992 | 25.3% | 35.5 | 4.2% | +21.1 points |
| 1991 | 14.4% | 28.3 | 7.5% | +6.9 points |
| 1990 | 4.6% | 24.7 | 7.0% | -2.4 points |
| 1989 | 7.5% | 23.7 | 5.2% | +2.3 points |
ONS series D7HF, index D7D3. About these tables · CSV
Latest monthly rates
| Month | 12-month rate |
|---|---|
| August 2026 | 4.3% |
| July 2026 | 5.6% |
| June 2026 | 1.4% |
| May 2026 | 1.1% |
| April 2026 | 1.0% |
| March 2026 | 2.4% |
| February 2026 | 1.9% |
| January 2026 | 1.9% |
| December 2025 | -2.6% |
| November 2025 | -3.0% |
| October 2025 | -2.8% |
| September 2025 | -3.4% |
| August 2025 | -3.9% |
| July 2025 | -4.7% |
| June 2025 | -1.5% |
| May 2025 | -2.0% |
| April 2025 | -2.8% |
| March 2025 | -2.0% |
| February 2025 | -1.6% |
| January 2025 | -0.5% |
| December 2024 | 3.3% |
| November 2024 | 4.2% |
| October 2024 | 5.1% |
| September 2024 | 5.2% |
| August 2024 | 6.4% |
Inside this group
- Home contents insurance inflation: -6.6% in 2025
- Car and transport insurance inflation: -7.6% in 2025
Related pages
Sources and receipts
- Consumer price inflation time series (MM23), Office for National Statistics.
File: mm23.csv. Read 2026-10-15. SHA-256
1b78749ea634755b83064d88f4fc6f7dd177e0c41d8b573c9d8172b8d3fff641