Are Insurance Companies Using AI to Increase Prices Based on Online Activity

Well-supported — high-quality sources agree

What we can confirm

Authoritative and industry sources consistently report that insurers are adopting AI and machine‑learning tools that ingest various data sources — including social media, online customer behavior, and other online activity — to inform risk assessment and personalize pricing, which can raise premiums for individuals flagged as higher risk.[1][2][3][4][8][10][12][13][14][15][16] These systems do not universally “increase prices,” since AI‑enabled pricing can also lower premiums or improve accuracy, but the core assertion that AI is used to adjust insurance prices based in part on online activity is well supported.[2][3][12][13][14][15]

Sources

Checked August 1, 2026 · we'll re-check as this develops