Progressive submitted a filing in Maryland for its private passenger auto program with an overall rate impact of -3.7%. The filing would affect around 69,872 policyholders and reduce written premium by approximately $4.5 million.

The filing was submitted on May 15, 2026, with requested effective dates of May 29, 2026, for new business and July 23, 2026, for renewals.

Progressive said the filing revises rates and rules for its Maryland private passenger automobile program.

The filing also updates various underwriting and rating rules, including permit driver treatment, driving record classification, payment indicators, household structure factors, occupation rating, rideshare use, and vehicle rating variables.

Among the changes:

• Permit drivers under 19 who are children of the named insured will not be rated until they become eligible to drive unsupervised or obtain a full license.
• Progressive clarified treatment of unverifiable driving records and foreign driver licenses, including point assignments and removal conditions.
• The company outlined its financial responsibility scoring methodology, which incorporates factors such as payment history, delinquencies, collections, and trade line activity.
• Policies enrolled in electronic funds transfer or automatic card payments continue to receive differentiated installment fee treatment.

The filing replaces prior rule, factor, and rate order documentation previously submitted under an earlier Maryland filing.