CSAA General Insurance Company is preparing to launch a new private-passenger auto program in Kansas, with new business slated to begin May 17, 2027. The filing establishes an entirely new product, with no policyholders currently in force and no rate impact tied to the introduction.

The company submitted new forms and baseline policy language alongside a full credit-model filing, referenced as LXNX-132703183. The package includes CSAA’s complete rule manual, tier structure, rating algorithm, actuarial support for modeled factors, deductible analysis, fixed-expense model, and a full set of rating factors.

The rates are built using multivariate modeling in EMBLEM, drawing on five years of countrywide experience (excluding California) from 2019–2023. Losses were adjusted to remove catastrophes and capped at the 95th percentile. CSAA developed nine pure-premium models across major coverages, using a Tweedie GLM with a log-link and testing each variable for stability and significance. Household composition, driver variables, vehicle symbols, model year, and other rating components were refined through iterative modeling, with some factors constrained for business or regulatory reasons.

Deductible factors were developed outside the GLM using loss elimination ratios and trending through 2Q25. Territory and location risk scores were built using a two-step GLM process that first isolates non-territory variables, then fits territory factors on the residual signal. Final territory relativities were smoothed for continuity and credibility.

Expense loads include acquisition costs based on expected policy lifetime and operational loads tied to expected endorsement activity. Retention estimates were derived from 2023–2024 data, while operational activity used five years of policy transactions.

The filing represents a ground-up product build for CSAA in Kansas, setting the structure for future rating, modeling, and program expansion.