Liberty Mutual has introduced revisions to its personal auto program in Maryland, adjusting its base tier structure without changing overall rates.

The filing, submitted March 31, 2026, is set to take effect April 2, 2026 for new business. It reflects a structural update rather than a pricing move, with a 0.0% overall rate impact across the book.

At the center of the update is a revision to the insurer’s base tier framework, which influences how policyholders are grouped for rating purposes. While the filing does not alter premiums directly, tier changes can affect how risks are segmented and priced over time.

The program covers approximately 9,352 policyholders and $34.3 million in written premium under Liberty Mutual Personal Insurance Company, with no projected premium change at either the coverage or aggregate level.

From a strategic standpoint, the move signals continued refinement of Liberty Mutual’s rating architecture without introducing immediate rate pressure, suggesting a focus on classification accuracy and tier optimization rather than near term profitability adjustments.