Allstate received approval for updates to its private passenger auto program in South Dakota, centered on a new simplified coverage endorsement that trades broader protection for lower premiums.

The filing is rate neutral, with a 0% overall impact across 2,418 policyholders and roughly $4.7 million in written premium, masking underlying shifts in how risk is priced.

The new endorsement tightens coverage by limiting protection for permissive drivers and excluding undisclosed operators. In exchange, policies receive discounted rating factors, lowering premiums across liability, collision, and comprehensive coverages. The structure effectively rewards disclosure and narrower household risk.

At the same time, Allstate loosened access to its Safe Driver Discount by removing the continuous prior insurance requirement, opening the door to drivers who were previously ineligible and improving competitive positioning.

Additional changes include technical adjustments to rating factors and updates to uninsured and underinsured motorist rules to align with the revised coverage framework.

The changes take effect March 31, 2026 for new business and May 1, 2026 for renewals.