Amica filed changes to its Texas private passenger auto insurance program that would result in an overall rate decrease of 1.5%, affecting approximately 45,856 policyholders. The filing was submitted on June 4, 2026, under Texas’ file-and-use system and is effective immediately for new and renewal business as of June 1, 2026.

According to the filing, the proposed changes are expected to reduce written premium by approximately $2.3 million on a book of business generating about $153 million in annual premium. Amica indicated that actuarial indications supported a larger decrease of 2.8%, but the company elected to implement a smaller overall reduction.

The filing updates base rates, territory factors, vehicle symbol relativities, and various rating rules across the company’s Texas personal auto program. It also revises rates for optional coverages, including substitute transportation, towing and labor, custom equipment, identity fraud protection, and trip interruption coverage.

In addition, Amica updated eligibility language within its Texas personal auto manual to explicitly address domestic partners and parties to civil unions, allowing them to be listed as named insureds when they reside in the same household.