Root has introduced updates to its private passenger auto program in Kansas, adding new rating factors and revising base rates while maintaining an overall neutral rate level.

The filing, submitted on April 14, 2026, is expected to take effect May 14, 2026 for new business and June 16, 2026 for renewals. It impacts roughly 7,800 policyholders and represents about $18.5 million in written premium.

At the center of the update is the introduction of a “Current Information Discount,” designed to reward customers who confirm and maintain up-to-date underwriting information. The company is also rolling out updated telematics models and new underwriting models, with supporting details submitted under a confidentiality request due to their proprietary nature. 

While the overall rate impact is flat, individual policyholders may see meaningful changes. The filing shows uncapped impacts ranging from a 46% decrease to a 118% increase, driven largely by shifts in telematics scores and updated rating variables. However, Root continues to apply rate stabilization, capping renewal changes at around ±10% in most cases.

The updated program includes a broad set of rating factors across driver behavior, vehicle characteristics, policy structure, and usage-based insurance data. Telematics remains a core component, with driving behavior such as braking, speed, and trip patterns influencing pricing through the company’s “Test Drive” model.

The filing also reflects ongoing adjustments to Root’s pricing framework, including updates to rate capping methodology and the introduction of new models, signaling continued iteration on its data-driven underwriting approach. “The company plans to introduce new CAM Models and UBI Models. Filing support, including the UW RFD, has been submitted confidentially for your review.”