Branch Insurance Exchange filed updates to its private passenger auto rate manual in Illinois on December 4, 2025. The changes apply to new business effective December 10, 2025, and to renewal business beginning January 19, 2026.

The filing affects 508 policyholders and approximately $534,229 in written premium. In aggregate, the revisions produce an overall rate decrease of 15%, driven by adjustments to base rates and multiple discount tables.

Branch is updating its Future Effective Date Discount, Residency Rewards, and Homeowner and Multi Car discount structures. The Future Effective Date Discount is calculated based on the time between the initial quote date and the policy effective date, while the Residency Rewards table was expanded to apply across all prior insurance groups. The company also noted that competitor factor selections were considered when calibrating the revised rating plan.

The prior rate revision for the program was neutral, with a 0.0% change effective May 2, 2025. Branch, a reciprocal insurance exchange domiciled in Ohio, framed the filing as a competitive repricing rather than a response to adverse loss experience.