IMT Insurance is lowering rates for its personal auto program in Illinois, with changes set to take effect August 1, 2026 for both new and renewal business.

The filing reflects a -9% overall rate impact, compared to a -13.4% indicated change, translating to a projected $1.07 million reduction in written premium across a book of about 5,158 policyholders and $11.9 million in premium.

The move follows IMT’s last revision in November 2025, when rates increased by 4%, signaling a reversal as the carrier adjusts pricing across its private passenger auto portfolio.