Home State County Mutual Insurance Company filed a rate update for its Apollo Specialty Auto personal auto monthly program in Texas, with changes effective February 20, 2026, for new business and March 20, 2026, for renewals.

The filing requests a 4.95% overall rate impact, compared to a 17.8% indicated need based on actuarial analysis. The change affects 19,568 policyholders and approximately $51.0 million in written premium.

This follows a prior rate increase of 4.52% that took effect in November 2025. The filing was submitted under Texas’ file and use provisions.