Donegal Mutual has filed for a private auto rate revision in Virginia, seeking an overall +3% increase effective April 1, 2026. The filing was submitted on January 12, 2026, and applies to Donegal Mutual as well as its subsidiaries, Atlantic States Insurance Company and Southern Insurance Company of Virginia.

The rate change would impact 4,345 policyholders across the three entities, with total written premium of $8.9 million tied to the program. The filing follows a prior 10% rate increase that became effective in June 2024.

According to the submission, Donegal is revising base rates across multiple pricing tiers, including Superior XL, Preferred XL, and Merit XL, based on indicated loss experience. While the company reports a +44.5% indicated need for Bodily Injury coverage, it is only implementing a +17.5% adjustment for that component, contributing to the more modest overall increase.

Donegal stated that the personal auto program is being managed toward a 95% target combined ratio, signaling continued rate discipline following last year’s larger adjustment.