Redpoint County Mutual Insurance Company, writing business for Root Insurance, is updating its Texas private passenger auto program with a rate decrease alongside a broader rewrite of how policies are priced.

Root Republic began writing new business in Texas on September 11, 2025.

The filing shows a −4% overall rate impact, reducing premiums by about $1.4 million across a $35.3 million book covering 19,205 policyholders. This comes despite an indicated need for a +10.6% increase, signaling a decision to hold back pricing.

The change applies to new business effective April 17, 2026, and renewals starting May 20, 2026.

Instead of pushing through higher rates, the company is reshaping the mechanics underneath. The update introduces new rating variables, adjusts base rates, and redistributes premium across drivers.

Distribution data shows most policyholders landing in modest decreases or small increases, with the largest concentration in the −10% to +5% range after capping.