Qualitas Insurance Company has filed a rate and rule update for its Private Passenger Auto Texas Borderless Program, keeping rates unchanged for new business on December 15, 2025, and renewals on January 15, 2026.

The decision affects 327 policyholders and $352,246 in written premium, even as the actuarial indication points to a 29.6% increase — ranging from 8.4 percent for physical damage to 34.8 percent for liability.

The company cites limited five-year experience data as a challenge for calculating internal trends. Rate history for the program shows sizable movement in recent years, including +43.8% in 2025 and +17% in 2024. The program uses six-month policy terms and statewide ZIP- and county-level rate pages.