American Family Mutual Insurance Company, S.I. (AFMICSI), has filed a rate and rule revision for its Private Passenger Auto (PPA) program in Nevada. The filing, submitted on November 3, 2025, proposes a 10.9% overall rate increase effective February 1, 2026, for renewal business. The company’s Nevada auto program remains closed to new business, consistent with its long-standing withdrawal from the state’s new business market since January 4, 2016.
The update affects 7,484 insured vehicles with $7.78 million in written premium, representing an estimated premium change of $848,543. While the actuarial indication supports a 17.1% increase, the implemented change is limited to 10.9%.
Rate adjustments vary by coverage, with Collision decreasing by 5% and Comprehensive increasing by 5%. Liability coverages drive the overall increase—Bodily Injury rising 13.4% and Property Damage 12.8%.
The filing confirms no changes to core underwriting or rating structures, including credit scoring, accident surcharges, or stacking rules. Tier qualification criteria continue to be reassessed 30 days post-issuance and at first renewal, potentially resulting in higher tiers if updated data supports reclassification.
Past rate increases include 19.9% (May 2019), 12.0% (August 2018), 9.9% (August 2017), and 3.9% (January 2017), underscoring a steady upward trend in the company’s Nevada auto pricing adjustments.
