Allstate has filed to eliminate a 5% advance-purchase discount in its Virginia auto program after regulators challenged its continued application beyond five years.

The discount currently applies to qualifying customers who complete their applications at least three days before coverage begins and continues at renewal. Virginia’s Bureau of Insurance said Allstate had not adequately demonstrated that the discount remained actuarially justified beyond five years. It requested evidence of the variable’s significance within the full rating model, rather than comparisons of loss history in isolation.

Allstate initially defended its analysis, arguing that loss ratios reflect other pricing variables through premiums and that examining individual renewal periods creates credibility concerns. In February, it agreed to remove the discount in a subsequent filing.

The October 1 filing also proposes removing non-chargeable accidents and comprehensive claims from tier determination. The Bureau had objected to Allstate rating accidents at both the vehicle and policy levels, even when different accidents were considered in each.

Allstate is revising rating factors to target a 0% overall rate impact, with individual policy changes ranging from a 10.9% decrease to a 13.5% increase. The filing lists 1,120 affected policyholders and approximately $3.81 million in written premium.

Proposed effective dates are January 11, 2027 for new business and February 11, 2027 for renewals.