Are Cyber Insurance Rates Going Up or Down?

Rates have actually been trending down. According to Marsh’s cyber insurance market update, U.S. rates declined for roughly nine consecutive quarters as of mid-2025, including a 3% decline in Q2 2025, 4% in Q1 2025, and about 5% in Q4 2024. That reflects more insurers competing for business and more capacity in the market overall.

That’s good news if you’re shopping for coverage or haven’t reviewed your policy in a while; a market like this is exactly when comparing quotes across carriers tends to pay off. Get a free quote to see what today’s market actually looks like for your business.