Root Insurance Company filed a new proprietary insurance scoring model in Tennessee on July 13, seeking a September 1 effective date.

The model, developed with TransUnion, is intended to predict expected loss ratios more accurately than the credit scores Root currently uses. Its details were submitted separately to the Tennessee Department of Commerce and Insurance for confidential review.

Root is not using the new score to change premiums yet. The insurer said related rating changes will be filed “in the coming months as part of a larger refinement to Root’s rating structure.”

A similar filing was submitted in Wisconsin.

Bottom Line: Root is securing regulatory approval for the TransUnion model ahead of a broader update to its Tennessee rating plan.