Consumer acceptance of artificial intelligence in property and casualty insurance is climbing. According to Insurity’s 2026 AI in Insurance Report, support among U.S. consumers has nearly doubled in a single year, driven in part by widespread familiarity with AI tools in everyday life.
AI Use Is Now Mainstream
The survey found that 84% of Americans use AI tools at least occasionally, and 27% report using AI daily. Consumers are turning to AI for writing, workplace productivity, health-related inquiries, and financial comparisons. That familiarity is influencing how policyholders view AI’s role in financial services, including insurance.
Support for AI in Insurance Rises Sharply
In 2026, 39% of consumers say it is a good idea for their insurance company to use AI to improve services. That figure is nearly double the 20% who expressed support in 2025. Resistance is also easing. In 2025, 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%.
Comfort Depends on the Task
Consumers draw a clear line between AI assistance and AI decision-making. Routine tasks earn relatively higher comfort levels. For example, 46% of respondents say they would let AI generate a quote, 39% are comfortable with AI tracking claim status, and 38% would use AI to update personal information.
However, comfort drops sharply when AI shifts from support to autonomous decisions. 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.
Trust Remains a Work in Progress
Nearly half of the respondents express distrust when AI is positioned as making decisions about claims approvals, fraud detection, or policy adjustments. Only one-third of consumers say they trust AI-driven insurance decisions, and 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.”
About the Survey
Insurity conducted the survey online in February 2026. More than 1,000 adult participants were randomly selected across the United States to ensure a representative sample. Respondents answered 18 questions ranging from multiple-choice to scale-based, gauging their opinions on AI in P&C insurance.
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