Home State County Mutual Insurance Company has filed an amendment to rates and rules for its Germania General Agency Personal Automobile Program in Texas, seeking an overall rate decrease. The filing was submitted on January 14, 2026, with new business scheduled to take effect January 18, 2026, and renewals effective February 3, 2026.

The program affects 228 policyholders and carries approximately $808,446 in written premium. The filing results in an overall rate impact of -3.1%, translating to a total premium reduction of about $25,059. While the actuarially indicated change pointed to a +6.6% increase, the company elected to move forward with a decrease.

The program is administered and distributed through Germania General Agency. The filing references the use of credit scoring and third-party models in rating, though no specific vendors are named.