Loya Insurance Company submitted two private passenger auto rate filings in Georgia on March 4, 2026, proposing rate decreases across separate programs.

The first filing applies to the company’s semi annual Georgia private passenger auto program and requests an overall 3.7% rate decrease, impacting 1,553 policyholders and $1.9 million in written premium. The filing reflects an indicated rate change of 33.4%, but the company selected a smaller overall impact. The changes primarily target collision and comprehensive coverages, with revised rates proposed to take effect April 27, 2026 for both new and renewal business. The prior revision for the program was an 18.5% increase effective February 10, 2025.

A second filing revises rates for another Georgia private passenger auto program. The company proposed an overall rate decrease of 2.8%, affecting 3,345 policyholders and $14.4 million in written premium, with a premium reduction of about $404,000. The previous rate change for this program was an 18.9% increase effective March 2025.

Across both filings, the programs focus on value priced minimum liability auto coverage and low value physical damage products. The insurer says its strategy targets underserved and growing Hispanic markets, offering bilingual service and distributing policies primarily through affiliated agencies that advertise through television, radio, billboards, and other local channels.