Selective Auto Insurance Company of New Jersey filed a rate and rule update affecting its personal auto program, with changes effective March 26, 2026 for both new business and renewals.

The filing revises “Increased Limits,” to restrict eligibility for optional higher liability limits. Under the new requirements, increased limits will only be available if the policy is not written by a Selective agent whose appointment has been terminated and if the number of drivers does not exceed the number of insured vehicles.

Policies that do not meet the updated criteria will be reduced to the statutory minimum liability limits required under New Jersey law at both new business and renewal.

The change reflects tighter underwriting controls tied to both risk characteristics and distribution quality, with higher-limit eligibility now contingent on agent standing and driver-to-vehicle ratios.