Allstate has filed a rate and rule update in Virginia seeking an overall 5% decrease for its private passenger auto program.

The filing would affect roughly 58,146 policyholders and reduce written premium by about $7.17 million, bringing the program’s total Virginia premium to approximately $143.4 million. The rate decrease is achieved through revisions to rate adjustment factors and base fixed expenses, with the most meaningful reductions applied to collision and comprehensive coverages. Allstate is also lowering base fixed expenses by nearly 10%, reducing the fixed cost component embedded in policy premiums.

In addition to the rate change, the company is revising its accident surcharge rules to remove accidents caused by permissive drivers from being charged to the named insured, a change made at the request of regulators.

The changes are proposed to take effect for new business on January 26, 2026, and for renewals on February 26, 2026. The filing was submitted on January 15, 2026, under Virginia’s file-and-use framework.