Branch has filed a rate and rule update for its Oregon private passenger auto program, proposing an overall neutral rate impact while recalibrating several rating components.

Submitted on January 13, 2026, the filing applies to new business effective January 15, 2026, and renewal business effective February 24, 2026. The program currently includes 32 policyholders and approximately $668,481 in written premium.

Key changes include revisions to the Future Effective Date Discount, Residency Rewards, Homeowner and Multi-Car discounts, and base rate tables. The Future Effective Date Discount continues to be calculated based on the number of days between the initial quote date and the policy effective date, incentivizing customers to bind coverage further in advance.

The filing follows Branch’s most recent Oregon rate revision, approved on April 15, 2025, which produced a 3.2% overall increase. Due to limited internal credibility for certain liability increased limit factors, Branch is adopting factors from Progressive, citing data from Artisan and Truckers Casualty Company and Progressive Universal Insurance Company.