Safeco Insurance Company of Illinois, part of Liberty Mutual, has filed and received approval for rate changes to its Personal Auto program in Wisconsin. The filing, submitted and approved on July 14, 2025, takes effect immediately for new business and on November 1, 2025, for renewals.

The update introduces revisions to the Base Rate, Expense Constant, and Model Year factors. While the prior rate revision in October 2024 resulted in a 7% reduction, this filing implements a further decrease of 1.6%, impacting 11,752 policyholders and lowering total written premium by $457,479.

The filing reflects a split adjustment: a 11.1% increase in total liability indications—driven by a 37.3% rise in Bodily Injury and an 8.3% increase in UM/UIM—offset by a 13.8% decrease in total physical damage, including a 20.9% drop in Collision and 5.2% in Comprehensive.

Filed under the “Use & File” method, Safeco’s rate changes are now in effect and backed by updated rating manuals and exhibits.