Response Worldwide Insurance Company, a Kemper subsidiary, has filed for a 6.5% overall rate increase for its Kemper Auto | Elite private passenger auto program in Oregon. The filing was submitted on June 3, 2026, with proposed effective dates of June 4, 2026, for new business and July 14, 2026, for renewals.

The insurer said the product, which launched in May 2025, does not yet have significant credibility from its own experience. However, early results and broader industry trends indicate the need for higher rates, particularly for Personal Injury Protection (PIP) coverage. The company is also seeking inflation-driven increases for Bodily Injury and Collision coverage.

According to the filing, the indicated statewide rate need is 20.5%, but the company is proposing a 6.5% overall increase affecting 458 policyholders and generating approximately $31,188 in additional written premium on a current premium base of $480,549.

The largest adjustment is to PIP coverage. Kemper’s analysis showed a 309.4% projected loss ratio for PIP, producing an indicated rate increase of 118.3%. As a result, the PIP base rate would increase from 86.23 to 129.35. Bodily Injury rates would rise from 177.13 to 182.44, while Collision rates would increase from 188.61 to 192.38. Other major coverages would remain unchanged.

The filing follows a prior Oregon rate revision that took effect on November 6, 2025, which produced an overall rate decrease of 11.2%.