Mercury Indemnity Company of America has filed a rate and rule revision for its Florida private passenger automobile program, with an overall neutral rate impact.

The filing updates a broad set of rating components, including base rates, territory factors, credit, vehicle characteristics, driver attributes, household structure, and claims history. Mercury is also revising rate capping mechanics, expense loads, and multiple underwriting and behavioral factors tied to payment activity, endorsements, prior insurance, and vehicle age.

In addition to rating changes, the insurer is introducing several new program elements, including a Homeowner Partnership Discount, a Multi Policy Discount, and new rules related to average length of prior insurance and prior policy count. Existing discounts such as continuous insurance, good payer, accident free, and claim free discounts remain in place, with updated factors applied across coverages.

The changes are scheduled to take effect April 29, 2026 for new business and July 4, 2026 for renewal business.