Acuity has filed a commercial auto rate and rule update in Montana, submitted on August 22, 2025. The requested effective date for both new and renewal business is November 1, 2025.

The filing affects 1,465 policyholders and $11.6 million in written premium, but Acuity emphasizes that the impact is entirely revenue neutral. Each policy and coverage will see a 0.0% change, with no overall rate effect.

At the core of the filing is Acuity’s adoption of the NAICS Factor Table associated with ISO’s CA-2024-RZR1 filing for Rule 306, Industrial Classification. This aligns Acuity with the 2022 NAICS code update, part of the standard five-year cycle.

While rates are unchanged, the filing highlights Acuity’s reliance on third-party data tools in its commercial auto underwriting and pricing. These include the Central Analysis Bureau (CAB) for auto scorecards, LexisNexis for driver scores, Dun & Bradstreet for delinquency and failure scores, and Verisk’s Risk Analyzer Commercial Auto for sub-territory factors.

Recent filings by Acuity also show steady technical updates, such as refinements to its Auto Scorecard, MVR score violations, and sub-territory factors earlier in 2025. The most recent rate revision before this was effective June 23, 2025, and similarly recorded no rate change.