PURE is seeking a 4.9% increase to its Rhode Island private passenger auto rates, according to a filing submitted to state regulators on June 5. The proposed changes would affect approximately 991 policyholders and generate an estimated $195,715 in additional premium on a book of business representing roughly $4 million in written premium. The new rates would take effect on November 15, 2026, for new business and January 1, 2027, for renewals.

Although PURE’s actuarial analysis indicated that rates should increase by 19.4%, the insurer elected to pursue a smaller 4.9% rate hike.

According to the filing, the largest individual policy increase would be 14.1%, or $47, while 18 policies would experience no premium change.

PURE, part of the Tokio Marine Group, writes its Rhode Island private auto business through Privilege Underwriters Reciprocal Exchange.