GEICO filed revised renewal tier placement rules in Nevada that expand the circumstances under which policyholders can be moved into higher priced renewal tiers. The filing applies to renewal business effective July 30, 2026 and does not introduce a new rating model or direct rate change.

The filing outlines a six tier renewal structure that uses underwriting rules tied to convictions, at fault accidents, suspensions, cancellation notices, and vehicle activity. GEICO said the framework is based on “an accumulation of traditional underwriting characteristics” and noted that “a mathematical model was not used” in developing the criteria.

Under the revised rules, policies can move into a higher rated tier after combinations of newly discovered convictions, at fault accidents, suspensions, cancellation notices, or vehicle additions. The filing also introduces scrutiny around policy changes by otherwise clean, long tenured customers. Policyholders with five or more years on book, no caused occurrences within two years, and recent vehicle additions or changes may still be pushed into a higher tier.

The filing also states that policies with two or more DUIs, where the most recent occurred within the last seven years, will be non renewed.

GEICO’s move down criteria may also create retention opportunities for competitors. Customers moved into higher priced tiers generally cannot move back down for three years if they avoid additional triggers, effectively extending elevated pricing periods even after risk improves.