Progressive is lowering auto rates in Idaho while introducing new rating variables that deepen segmentation and tighten underwriting.

The filing shows rate decreases across all three entities, with Progressive Direct down 5.7% and both Northwestern and Northern down 6.7%. This follows a near-flat increase of 0.3% in January 2025, marking a clear reversal toward price cuts. The changes impact roughly 187,000 policyholders and more than $160 million in written premium, with new business effective April 10, 2026 and renewals on May 8, 2026.

At the same time, Progressive is expanding how it prices risk. A new public records variable pulls non-credit data on driver identity, property records, and derogatory signals at new business, while a ZIP code comparison checks consistency between mailing, garaging, and credit ZIPs to flag mismatches. Both are applied once at policy inception and not refreshed at renewal, signaling a stronger front-end underwriting approach.

The filing also introduces an embedded renters add-on within auto policies, with claims history feeding into renewal pricing, and new payment-based factors that vary rates depending on whether customers use EFT, card payments, or pay in full.

Bottom Line: Some drivers will see meaningful decreases, while others will face sharp increases, with swings reaching nearly plus 195% or minus 48%. The strategy points to a push for growth paired with tighter segmentation.