Encompass Insurance Company, part of the Allstate group, filed a rate and rule update for its personal auto program in Illinois, with new business effective February 16, 2026, and renewals effective March 23, 2026.

The filing is rate neutral, producing no overall premium impact, but includes refinements to Driver Experience Rating Pattern 1 factors and clarifies how 36 month and 60 month experience periods are applied across rating components. The changes affect approximately 35,190 policyholders and about $103.9 million in written premium.

The update also reinforces eligibility standards for the Safe Driver Discount, which requires drivers to have no chargeable at fault accidents or major violations within a 60 month experience period. The company previously implemented a 3.1% rate decrease in December 2025.