Root submitted a rate and rule filing in Michigan for its private passenger auto program, signaling a potential market entry.

The filing, submitted on February 27, 2026, modifies rates previously introduced under an earlier Michigan filing. The requested effective date is March 31, 2027 for new business.

The 0% impact suggests the filing is technical in nature – Root is not yet writing private passenger auto policies in Michigan, which explains the absence of affected policyholders or premium impact.

ating variables continue to incorporate driver age and class, violation and accident history, territory, vehicle characteristics, underwriting and policy tiering, billing history, prior Root claims, rideshare usage, and various discount components.

The filing now awaits review by the Michigan Department of Insurance and Financial Services.