Consumer Support for AI in P&C Insurance Nearly Doubles in 2026, Insurity Survey Finds

Insurity, a leading provider of cloud-based software and analytics for property and casualty insurers, released findings from its 2026 AI in Insurance Report, revealing a sharp shift in consumer support for artificial intelligence (AI) in P&C insurance compared to the prior year.

New findings from Insurity’s 2026 AI in Insurance Report show that 84% of consumers now use AI tools at least occasionally, and 27% report using AI daily. As AI becomes embedded in writing, workplace productivity, health-related inquiries, and financial comparisons, it is no longer viewed as experimental technology but as part of how consumers make decisions and manage everyday risk. That widespread familiarity is beginning to influence how policyholders assess AI’s role in financial services, including insurance.

After a period of skepticism in 2025, consumer sentiment is recalibrating about AI. In 2026, 39% of consumers say it is a good idea for their insurance company to use AI to improve services, nearly double the 20% who expressed support in 2025. Resistance is also easing. Last year, 44% of consumers said they were less likely to purchase a policy from an insurer that publicly used AI. In 2026, that figure declined to 36%.

Yet the data reveals a clear line between assistance and autonomy. Consumers show comfort with AI handling routine tasks within P&C insurance, with 46% reporting they would let AI generate a quote, 39% being comfortable with AI tracking claim status, and 38% who would use AI to update personal information.

Comfort drops sharply when AI moves from support to decision-making. Only 22% say they would feel comfortable with AI filing a claim on their behalf, and just 16% are comfortable with AI canceling or renewing a policy. Nearly half of respondents express distrust when AI is positioned as making decisions about claims approvals, fraud detection, or policy adjustments. Only one-third say they trust AI-driven insurance decisions, while 26% report needing more information before forming an opinion.

“Consumers have moved past the hype cycle,” said Jatin Atre, President at Insurity. “They are not impressed by the fact that insurers are using AI. They care about how it is being used. If AI is deployed simply to cut costs or automate decisions without explanation, trust will erode. If it is deployed to make underwriting smarter, claims faster, and interactions clearer, with real oversight behind it, trust grows. The industry cannot treat AI as a marketing headline. It has to treat it as operating infrastructure.”

This survey was conducted online in February 2026, and more than 1,000 adult participants were randomly selected across the United States to ensure a representative sample. Respondents were asked a series of 18 questions, ranging from multiple-choice to scale-based, to gauge their opinions on AI in P&C insurance. Data analysis was performed to identify key patterns and insights.

To learn more about Insurity’s 2026 AI in Insurance Report, please contact Elizabeth.Hutchinson@insurity.com.