Cimarron Insurance, the carrier behind Mile Auto, is raising rates across its pay-per-mile auto programs in Oregon and Texas, pairing double-digit increases with continued refinement of its usage-based pricing model. The changes are tied to the Porsche program.

In Oregon, the filing calls for a +15% overall rate increase on a relatively small but growing book of 1,865 policyholders generating $784,111 in written premium. The move adds about $93K in premium to the program.

The underlying pressure is higher. The indicated change sits at +33.6%, meaning Mile Auto is taking less than half of what its data suggests is needed, a pattern that points to a balancing act between rate adequacy and competitiveness.

Impacts will vary widely at the policy level, with increases as high as +95.9% and decreases down to −19.2%, reinforcing that this is not a uniform price hike but a redistribution across risks.

Texas tells a similar story, but at a larger scale. The filing introduces a +14.8% overall increase across 5,885 policyholders and $11.3M in written premium, translating to roughly $1.67M in additional premium.

Again, the indicated change is significantly higher at +46.6%, suggesting Mile Auto is staging its rate corrections rather than pushing through the full increase in one move.