HiRoad Assurance Company has submitted a rate-neutral filing for its Personal Auto program in Rhode Island, effective November 1, 2025, for new business and December 6, 2025, for renewals. The filing affects 1,282 policyholders representing $5.6 million in written premium.

Key updates include shifting the policy term from 12 months to 6 months, revising rating rules tied to a driver’s record, and modifying contract language to cover properly disclosed drivers while excluding undisclosed ones above minimum liability limits.

HiRoad continues to emphasize technology-driven engagement, with premiums adjusted monthly through safe driving data collected by its mobile app, electronic delivery of all policy documents, and app-based policy changes. The program also includes rewards for task completion aligned with HiRoad’s mission and discounts for safe driving or holding other eligible policies with HiRoad or strategic partners.

The filing follows a neutral rate revision in November 2024 and updates key forms, including the Rhode Island Auto Policy Contract and Declarations.