Root has filed for an overall 15% decrease in its Florida private passenger auto rates. The filing’s impact analysis covers 54,953 policies and reports $125.9 million in on-level earned premium.

The filing also introduces a 1.5 rating factor for rideshare and delivery use across most coverages. Root said its rate selections reflect, in part, “insight from partners regarding our market position.”

Bottom Line: Root is reassigning some distribution partners to pricing groups “to better align with observed loss experience.”