The Cincinnati Insurance Company has filed to increase rates by 5.3% for its private passenger auto program in Texas, affecting 6,918 policyholders and resulting in an expected premium increase of $2.26 million on $42.4 million of written premium. The proposed effective dates are October 1, 2025, for new business and November 1, 2025, for renewals.

Alongside the rate change, the insurer is discontinuing its 2020 LPMP symbol program and adopting 2022 ISO liability symbols for newly added vehicles. The filing also introduces new endorsements, including Personal Auto Plus Coverage, Capstone Auto Endorsement, and Capstone Collector Auto Endorsement, along with preferred risk and package discounts, updated insurance scoring rules, and a large loss deductible waiver.

Additionally, the insurer is adding a gender-neutral option to its MOGA factors.