Elephant Insurance submitted a filing in Texas updating rules and rating elements for its private passenger auto program.

The filing, submitted March 2, 2026, introduces a series of structural updates while carrying no overall rate impact. The changes are scheduled to take effect April 27, 2026 for renewal business.

One of the main revisions adds a new “Direct Appointment” sub classification within the Agency distribution channel. Elephant’s distribution structure in Texas is categorized across Direct, Agency, and Price Comparison channels, the latter referring to search engine driven acquisition.

The filing also expands the program’s vehicle rating framework by incorporating a machine learning based Vehicle Score Model (T98) that classifies risks using VIN level data. Data sources referenced in the filing include S&P Global (IHS), Polk Automotive Solutions, and TransUnion. The model may also incorporate scores derived from a smartphone application, which can influence discounts or surcharges.

Additional updates include expanding MSRP factor tables to include model years 2027 through 2030, reflecting the insurer’s preparation for newer vehicle inventory entering the rating structure.

According to filing exhibits, Elephant reported approximately $20 million in Texas earned premium for bodily injury coverage and $19 million for collision coverage in 2024.