GM National Insurance Company has filed an update to its Michigan Private Passenger Auto program.

The rate filing, submitted on November 20, 2025, requests a December 20, 2025 effective date for both new and renewal business. GM National classifies the update as having no rate impact — the filing is neutral, with a 0% overall change.

The company is replacing its MI Territory Factor table and has asked the state for an expedited review, citing the simplicity of the change and referencing MCL 500.2108(6) to support an early effective date ahead of the standard 90-day window.