Allstate

Regulation caps pure pricing autonomy, but Allstate has demonstrated the ability to earn higher average premiums across lines post‑2022 inflation. Auto rate increases moderated to a 0.4 percent annualized premium impact in Q2 2025 as loss trends cooled, and policies in force started growing again.

Homeowners average gross written premium rose double‑digits year over year. This shows recoverable pricing power, albeit state‑by‑state and cyclical.