Midvale Indemnity Company, part of American Family, has filed revisions to its Texas personal auto program with an overall rate impact of 0%. The filing lists 5,295 policyholders and approximately $14.9 million in written premium.

The proposed changes go beyond base rates. Midvale is updating its pricing model, introducing a new proprietary insurance score and replacing its prior insurance score with separate factors tracking carrier changes, early cancellations, coverage lapses, prior limits and average tenure with previous insurers.

The company is also replacing its mileage variable with verified mileage and incorporating TransUnion’s Vehicle History Score 2.1. When mileage cannot be verified, a customer’s self-reported estimate will be used. If a customer disputes verified mileage, both estimates will inform the rating factor.

Midvale is also updating its Steer Into Savings discount, using an Allstate rating plan as supporting evidence. The filing says Allstate’s initial rating tiers use the same qualifying criteria, and Midvale used those tiers to calculate comparable discounts to support its proposed changes.

Despite the neutral overall impact, the filing lists individual changes ranging from a 56.04% decrease to a 128.21% increase. Midvale proposes premium stabilization for three years, with caps varying by policy term and the size of the underlying change.

The requested effective dates are January 7, 2027, for new business and January 22, 2027, for renewals. The filing was submitted October 1 and remained listed as submitted to the state in the supplied document.