Capital Insurance Group, part of Auto-Owners, is introducing a rate update to its Oregon commercial auto program, targeting an overall increase of 13.1%, with a requested effective date of August 15, 2026 for both new and renewal business.

The filing, submitted on March 28, 2026, applies to business written through Eagle West Insurance Company and Monterey Insurance Company and impacts roughly 212 policyholders with about $1.8 million in written premium. The change translates to an estimated premium increase of approximately $235,000 for Eagle West, with minimal impact on Monterey’s smaller book.

The increase is driven primarily by liability performance, with the company proposing a 20% increase for liability coverages while leaving physical damage and other coverages unchanged. The filing reflects loss cost pressure concentrated in liability, supported by five years of experience data and credibility-weighted actuarial indications.

The filing also includes updates to base rates across key coverages, including bodily injury, property damage, and medical payments, alongside revisions to the rate manual. The overall approach points to maintaining rate adequacy through targeted liability adjustments rather than broad-based pricing changes.