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Applied Rating Index Q4 2025 Results Released

globenewswire.com
APLS The article discusses Applied Systems' Q4 2025 results for the Applied Rating Index, focusing on premium rate increases in the Canadian insurance market. While it mentions premium growth, the sentiment is neutral as it's a report on market conditions rather than a direct financial performance indicator for the company itself. The company is described as a 'leading global provider' and 'innovation leader'.

Toronto, ON, Feb. 03, 2026 (GLOBE NEWSWIRE) -- Applied Systems® today announced the fourth quarter of 2025 results of the Applied Rating Index™, the Canadian insurance industry’s premium rate index. In Q4 2025, average premiums for both Personal Auto and Personal Property lines increased year over year. Quarter over quarter, average premiums for Personal Auto lines increased in all provinces, while average premiums for Personal Property increased in all provinces except British Columbia.

For Personal Auto, all provinces experienced an increase year over year, with Ontario seeing the highest at 17.1% and Alberta the lowest at 11.1%. For Personal Property lines, all provinces experienced an increase year over year, with Alberta seeing the highest premium rate change at 13.5%, and British Columbia and Ontario the lowest, at 1.8% and 4.3%, respectively.

Key findings for Q4 2025 include:

“The Canadian personal lines market continues to experience premium growth across all provinces,” said Steve Whitelaw, SVP and general manager, Applied Systems Canada. “For Q4 2025, the data suggests the rate of increases is stabilizing compared to earlier quarters, indicating the market may be entering a more measured phase of adjustment rather than the rate of premium increases continuing to accelerate.”

The Applied Rating Index is a data-driven report of current conditions and trends for Personal Auto and Personal Property (Homeowners) insurance premium rates. Analyzing quotes completed, the Applied Rating Index measures the increase or decrease in average premium rate trends across Canada. The Applied Rating Index is the most complete depiction of the premium rate trends being experienced by consumers, brokerages, and their insurers across the Canadian market.

Access the complete quarterly report here.

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Applied Rating Index is a trademark of Applied Systems, Inc. All data is fully anonymized when aggregating and analyzing the Applied Rating Index.

About Applied Systems

Applied Systems is the leading global provider of cloud-based software that powers the business of insurance. Recognized as a pioneer in insurance automation and the innovation leader, Applied is the world’s largest provider of agency and brokerage management systems, serving customers throughout the United States, Canada, the Republic of Ireland, and the United Kingdom. By automating the insurance lifecycle, Applied’s people and products enable millions of people around the world to safeguard and protect what matters most.