American Family Insurance Company filed a Private Passenger Auto rate/rule revision in Wisconsin on September 10, 2025, effective December 1, 2025 for new and renewal business. The filing affects 105,150 policies and $215,960,592 in current written premium, with an expected written premium change of -$5,570,802. The move adjusts base rates and factors and introduces one new rating variable to refine pricing and performance.

The overall proposed impact is a -2.6% decrease (vs. a -1.7% indication), with shifts by coverage: Bodily Injury +5.0% (indicated +13.0%); Property Damage -3.9% (indicated -3.9%); Medical Payments +18.0% (indicated +25.2%); Uninsured Motorist +22.3% (indicated +22.3%); Underinsured Motorist +34.8% (indicated +34.8%); Collision -19.1% (indicated -19.1%); Comprehensive -0.2% (indicated -0.2%). The Policy Admin Constant holds at 0.0% (indicated -10.3%). Due to the program’s recent launch, the actuarial memorandum references experience from legacy auto products written in American Family Mutual Insurance Company, S.I. (AFMIC) and/or American Standard Insurance Company (ASIC), or combined, to inform key assumptions.

The revision is positioned as a rebalancing—lowering average rates while increasing certain liability coverages and trimming physical damage—to better align price to risk across the “Family Car Program.”