Amica introduced a new rating framework for its private passenger auto program in Georgia, centered on a model called “Attract One,” according to a recent filing.

The update, effective September 1, 2026 for both new and renewal business, does not change overall rates but reshapes how premiums are calculated across the book, which includes 19,212 policyholders and about $60.8 million in written premium.

At the core is a shift to the Attract One credit-based scoring model, which will be used for all new business and reorders going forward. The model introduces a more granular set of credit tiers with corresponding rating factors, replacing legacy scoring approaches and tightening alignment between risk characteristics and pricing.

Beyond credit, the filing adds several new pricing levers. These include Policy Rate Level (PRL) factors that adjust premiums across a wide range of tiers, Vehicle Discovery Levels tied to vehicle-specific scores, and a Policy Composition Rating Factor that incorporates prior liability limits and driving history.

The update also formalizes how premiums are built, including a defined “rate order of calculation,” a 7% surcharge for loan or lease coverage tied to physical damage premiums, and a standardized 0.50 factor for six-month policies.

In addition, Amica is revising its motorcycle rules within the same filing, updating eligibility, classification factors, and pricing structures across age, value, and usage, while maintaining a capped premium change of ±15% at renewal for motorcycle policies.