American Family has filed a rate and rule update for its Wisconsin Family Car private passenger auto program, introducing a series of structural rating changes while holding the overall rate level flat.

The filing applies to new business effective January 18, 2026, and renewal business effective March 5, 2026, and was submitted under Wisconsin’s use and file framework. American Family reported a neutral overall rate impact, with no material change to written premium across more than 105,000 affected policyholders.

The update focuses on adjustments to several core rating components rather than a broad repricing of the book. American Family revised base rates, refreshed model year factors, and updated vehicle use factors for antique vehicles under both collision and comprehensive coverage. The company also made a clerical correction within its mileage based Miles My Way 2 rating tier.

Two customer facing discount programs were expanded as part of the filing. The Early Bird discount was increased, with maximum discounts now ranging up to 17% depending on tenure, and structured to phase out over seven years. American Family also enhanced its Steer Into Savings discount, increasing the maximum discount to 20%, similarly running off over a seven year period based on prior carrier tenure and policy longevity.

Model year factors were adjusted to better differentiate older vehicles, particularly pre 1981 model years, while antique vehicle factors were revised to refine how lower usage and collector risks are reflected in pricing.