American Family Connect Insurance Company has filed for an 11.9% rate increase for its personal auto program in Georgia, citing adverse loss experience—particularly in Uninsured/Underinsured Motorist coverage, which showed a projected loss ratio of 162.9%. The filing impacts 8,719 policyholders and $25.3 million in written premium, with an expected $2.8 million increase in total premium.
Key adjustments include a 58% rate hike for Uninsured/Underinsured Motorist coverage and a 16.5% increase for Liability. AFC, which markets primarily through direct mail and Costco partnerships, relies on Equifax and ISO data for financial and location scoring. This filing follows two prior increases in 2025—11.6% in February and 12% in August—continuing a pattern of upward rate adjustments amid deteriorating loss trends.
