The filing, submitted April 2, 2026, takes effect April 13, 2026 for new business and May 28, 2026 for renewals. The increase comes in below the indicated need of 12.8%, applying to 494,634 policyholders and about $2.25 billion in written premium, generating roughly $87.9 million in additional premium.

The update is driven by revisions to rate adjustment factors at the core of the pricing model, alongside a non-impactful reordering of supplementary multiplicative factor tables. The broader structure remains highly segmented, incorporating variables such as driver classification, mileage, vehicle characteristics, household composition, prior insurance, and behavioral indicators, reinforcing a granular, factor-driven approach.

Mileage-based segmentation remains a key component, including distinctions between verified and unverified mileage and support for different usage types such as standard and pay-per-mile structures, pointing to continued investment in usage-sensitive pricing.

The program also relies on third-party data from LexisNexis, TransUnion, Carfax, Highway Loss Data Institute, and Arity to support rating across credit, driving history, mileage, vehicle characteristics, and telematics.