MGA Insurance Company, Inc., part of the State Farm Group, submitted a filing in Texas on October 24, 2025, to adopt the TransUnion TrueRisk® Standard Auto model for use in its Private Passenger Auto (PPA) program. The filing, categorized as a credit scoring model submission, seeks approval for using the TrueRisk Auto score both as a rating factor (credit score alone determining premium adjustment) and as a tiering variable (credit score combined with other factors to assign risk categories).
The filing pertains to the company’s Semi-Annual Program 4.0 and replaces the previously approved model under Filing #GNSC-127808053. MGA certifies compliance with the Texas Insurance Code regarding credit scoring use and confirms the filing applies to on-approval effective dates for both new and renewal business.
Vendor partners mentioned include TransUnion, with references to other scoring providers such as ChoicePoint, FICO, and LexisNexis.
