Bristol West Insurance Company, part of the Farmers Insurance Group, is seeking a significant rate increase for its Virginia private passenger auto business, filing for an overall 18.4% rate impact affecting more than 15,800 policyholders.

Bristol West seeks 18.4% Virginia auto rate increase affecting nearly 16,000 policyholders

Bristol West Insurance Company has filed for an overall 18.4% rate increase for its Virginia private passenger auto book under its Select 4.24 program.

The filing, submitted on June 11, 2026, requests an effective date of June 12, 2026, for new business and July 17, 2026, for renewals. According to the insurer, the proposed changes would generate approximately $7.3 million in additional written premium across a book representing nearly $39.9 million in annual premium. The filing indicates that 15,812 policyholders would be affected.

While the company’s actuarial indication called for a 27.4% increase, Bristol West capped the overall rate impact at 18.4%. Individual policy increases would be limited to 25%, with no decreases contemplated under the filing. The carrier previously implemented a 1.2% increase in Virginia earlier this year, effective March 20, 2026.

The filing introduces revisions to base rates, full coverage factors, and channel factors across the Select program. Bristol West is also updating its upper rate cap to 25%, consistent with Virginia’s rate stabilization requirements. The insurer said the filing includes updated exhibits for base rates, full coverage factors, and channel factors.