Amica Mutual Insurance Company has submitted a rate and rule filing for its private passenger auto insurance program in Georgia, effective July 1, 2025, for both new and renewal business. The filing introduces no overall rate change for the 19,889 policyholders currently insured under this program, which generates over $50 million in written premium.

Although the overall rate level remains flat, Amica is implementing revised rules for calculating premiums, including updated factors for policy rate levels, credit-based rating, and vehicle discovery scores. The updates also include adjustments to its credit scoring methodology, transitioning fully to the “Inflection” model for new and existing business as of July 1, 2025.

Changes were made to the motorcycle program as well. Amica introduced rating factors based on engine size, make, and motorcycle type—such as cruisers, touring bikes, and sport models. New premium factors apply to anti-theft devices, ABS, rider training, and multi-bike ownership, as well as discounts for military members and Amica employees.

The filing also introduces refined rules around premium determination, deductible adjustments, loyalty discounts, and optional coverages like towing, electronic equipment, and uninsured motorist protection.