Allstate submitted a rule filing in California proposing updates to its Private Passenger Auto underwriting guidelines and payment requirements. The filing was submitted on March 9, 2026 and requests an effective date of March 11, 2026 for both new and renewal business.

The changes focus on underwriting eligibility and billing requirements and do not include any rate impact.

One update raises the vehicle value threshold tied to driver eligibility rules. The guideline increases the MSRP trigger from $100,000 to $150,000 for vehicles on policies where one or more operators may not meet the company’s “good driver” definition.

Allstate also modified its down payment rules tied to payment history. Previously, customers whose prior Allstate auto policy had been terminated for nonpayment or who received two cancellation bills within the past year were required to pay 100% upfront. Under the new rule, the company increases the cancellation-bill threshold from two to three and reduces the required down payment from 100% to 50% for those customers.

The filing also confirms installment billing options remain available, including pay-in-full or a six-installment plan where the first payment includes the required down payment and the remaining balance is spread across five installments. Installment fees range from $0 for pay-in-full to $3.50 for direct bill or recurring credit card payments and $1.00 for recurring electronic funds transfer.

Overall, the filing primarily loosens certain underwriting and payment requirements while leaving the underlying auto insurance rates unchanged.