Erie Insurance Company and Erie Insurance Exchange filed a neutral rate and rule update in Tennessee to harmonize payment plan discount factors for auto customers, effective February 1, 2026.

The change removes the distinction between credit card and non-credit card payments under the Annual Payment Plan, simplifying administration across Traditional Auto and Rate Lock programs. The filing affects 112,159 policyholders and $280.2 million in written premium and was approved on October 21, 2025.