PURE filed a Texas private passenger auto rate update that will have a net neutral impact overall, while redistributing premium across key coverages. The changes are scheduled to take effect July 1, 2026, for new business and September 6, 2026, for renewals.

The filing affects approximately 7,434 policyholders and $67.1 million in written premium. While the overall rate level remains unchanged, Bodily Injury and Uninsured Motorists coverages will increase by 13.6%, offset by decreases to Comprehensive (-10.3%) and Collision (-10.4%).

PURE said the changes are intended to rebalance rates by coverage level to better reflect loss experience. The filing also includes a catastrophe load set at 85%, based on benchmark comparisons with Allstate County Mutual and Liberty Mutual.

The adjustment follows a 14% overall rate increase that took effect July 1, 2025, indicating a shift from broad rate actions to targeted coverage level pricing changes.