Mercury County Mutual Insurance Company has submitted a rate and rule filing for its Texas Commercial Auto Aligned Product. The filing, created by Angela Griffin and Dennis Wu, seeks a 4.6% overall rate increase, with changes ranging from –59% to +93.1% across segments.

The filing affects roughly 5,160 policyholders and $58.9 million in written premium, resulting in an estimated $2.7 million premium increase. The request was filed on October 13, 2025, under SERFF tracking number MERY-134658239, with proposed effective dates of October 24, 2025, for new business and January 12, 2026, for renewals.

The update replaces prior filings S731222 and S711804, revising both the Texas Commercial Auto Rates and Rules Manuals to align rating factors and introduce updated base rates by business category, including sand and gravel, trucking, and other commercial classifications.