Home State County Mutual is introducing a rate update to its Apollo Specialty Auto personal auto program in Texas, reflecting a modest pricing adjustment across the book.

The filing was submitted on March 30, 2026, with proposed effective dates of April 1, 2026 for new business and May 1, 2026 for renewals. It applies to the insurer’s semi-annual private passenger auto program.

The update reflects an overall rate impact of 1.68%, compared to an indicated need of 1.83%, suggesting the company is largely aligning pricing with underlying loss trends while slightly tempering the increase. The change affects 3,296 policyholders and approximately $11.5 million in written premium.

At the policy level, rate changes vary, with a maximum increase of 7.79% and a minimum increase of 0.41%, indicating a targeted approach rather than a uniform adjustment.

This follows a prior rate revision of 4.24% that took effect in December 2025, signaling continued but moderating rate activity within the program.