Amica has introduced updates to its personal auto program in Kansas, centered on a new credit-based rating approach, while keeping overall pricing unchanged.

The filing introduces the Attract Credit Model, which will be used in underwriting and pricing policies. The change reflects a shift in how risk is evaluated rather than a change in overall rates, with the company indicating a 0% rate impact across the program.

The update applies to approximately 1,303 policyholders, representing about $3.5 million in written premium in the state.

The revised program is scheduled to take effect on July 1, 2026, for both new and renewal business.

Beyond the credit model, the filing reflects broader rating refinements, including the use of InsurView scores and expanded pricing variables tied to driver characteristics, vehicle attributes, and policy-level factors. These elements are designed to more precisely segment risk without altering the overall premium level.

The update also maintains Amica’s existing structure of discounts and modifiers, including digital, multi-line, and affinity-based adjustments, while incorporating the new scoring model into the overall pricing framework.