MGT Insurance has filed a new Commercial Auto program in Idaho, outlining its first entry into the market through a broad rate and rule filing submitted on January 19, 2026. The program is scheduled to take effect March 1, 2026.

Although MGT is domiciled in Wisconsin, the company states it does not intend to write this program in its home state. Instead, the filing focuses exclusively on Idaho, where MGT plans to deploy the program across a wide range of commercial auto risks.

The filing describes a rating framework that relies heavily on external data sources and internal scoring models. MGT introduces a proprietary Financial Responsibility Score that incorporates credit data not only at the business level but also at the level of individual principals for corporations and partnerships. For trucking risks, the program integrates data from the Federal Motor Carrier Safety Administration, using operating history, safety records, and tenure to place accounts into USDOT score groups that are recalculated at renewal.

The program also allows for the use of driving data from approved telematics devices as part of schedule rating, tying premiums more closely to observed driving behavior over time.

Coverage under the program is broad, with more than 100 class codes spanning small contractors and local service operators through large trucking fleets. Included are classes for agricultural operations, food delivery, limousine services, oilfield materials hauling, and hazardous materials transportation, among others.