Clearcover has filed a 3.4% average increase for its Texas personal auto program, affecting 8,496 policies.

The revision would increase premium by approximately $411,000 on a book with $12.1 million in six-month in-force premium. Individual policy impacts range from a 0.6% decrease to a 7.9% increase.

Clearcover selected the increase below its actuarially indicated need of 8.1%. Average changes by coverage include increases of 6% for bodily injury liability, 5% for property damage liability and collision, and 15% for personal injury protection. Comprehensive rates would decrease 5%.

The filing also adjusts bodily injury pricing at selected coverage limits. It leaves territories, rating models and credit-based factors unchanged.

Submitted November 6 under Texas’s file-and-use framework, the changes are scheduled for new business beginning November 9, 2026, and renewals beginning January 13, 2027.