Root’s Georgia private passenger auto filing introduces two new discounts and reworks several rating factors while keeping overall premiums flat across a 45,020 policyholder book generating $175.2 million in written premium.

The headline additions are a Current Information Discount and a Partner Discount tied to affinity distribution. On paper, the partner structure is broad, spanning four groups: automobile OEMs, distributors and resellers, financial institutions, and other partner entities.

In practice, only Group 1—automobile OEM partners—receives a price benefit. That group carries a 0.90 factor across all major coverages (BI, PD, collision, comprehensive, medical payments, UM/UIM, rental, and roadside), translating to a 10% discount. The remaining groups are neutral, with factors set at 1.00, meaning no pricing impact.