Encompass Indemnity has filed for an overall 4.3% rate decrease on its private passenger auto business in Kansas, affecting more than 5,200 policyholders and approximately $13.8 million in written premium. The changes would apply to both new and renewal business, with proposed effective dates in early 2026.

Alongside the rate reduction, the filing introduces several structural updates, including revisions to base rates, territorial relativities, and premium calculation mechanics.

A notable addition is a new individual background rating factor, expanding the set of variables used in pricing. The company is also updating its welcome discount.

Encompass indicates that competitive analysis informed changes at the zip code level, impacting liability, personal injury protection, collision, comprehensive, and uninsured motorist coverages.