Integon National filed for a 6.9% overall rate increase for its Summit private passenger auto program in California.

The Allstate subsidiary reported $654.3 million in written premium across approximately 350,600 policyholders. Its actuarial indication supports a 13.8% increase, but the company is requesting 6.9%, representing about $45.1 million in additional premium.

The filing proposes significant differences by coverage, including increases of 112% for medical payments, 42% for uninsured motorists bodily injury and 22% for property damage. Proposed reductions include 62.8% for rental reimbursement, 47.5% for comprehensive and 8.1% for collision.

Integon is also eliminating certain higher-limit options for bodily injury, property damage, medical payments and uninsured motorists coverage, citing limited customer demand. Policyholders with affected limits would be moved to the closest available option at renewal.

The company said its exposure growth since 2024 reflects increased consumer shopping following rate increases by competing carriers and an expanded agent and broker network. It also attributed a decline in average premium to changes in its business mix, including more vehicles in lower-cost territories and a larger share of policyholders qualifying for the Good Driver Discount.

The proposed changes would take effect on October 20, 2026, for new and renewal business. The filing remains pending with the California Department of Insurance.

Integon’s previous rate revision, effective February 1, 2024, produced an overall increase of 31.6%.