GoAuto submitted a filing in Texas to increase rates for its closed Texas 2.0 private passenger auto program, with proposed effective dates of June 3, 2026, for new business and August 1, 2026, for renewals. The program was closed to new business in June 2024 and has received only one prior rate change since then.

The filing proposes a 7.9% overall rate increase against an indicated need of 13%, affecting 5,677 policyholders and about $27.8 million in written premium. Individual policy impacts range from increases of 1.7% to 18.7%.

According to the filing, liability coverages are driving the increase. Bodily injury coverage shows a 73.6% indicated change and uninsured/underinsured motorist bodily injury coverage shows a 73.2% indicated change, while comprehensive and collision coverages show indicated decreases.

GoAuto’s actuarial exhibits show elevated projected loss ratios across several liability coverages, including a projected bodily injury loss and defense cost ratio of 123.6% versus a permissible ratio of 71.2%.