Peak P&C, part of the Sentry Insurance, has filed revised rates for its non-standard private passenger auto program in Florida, proposing an overall 8.8% rate decrease for its Dairyland Full Coverage product.

The filing was submitted on December 15, 2025, with new business effective the same day and renewals set to take effect January 14, 2026. The program currently includes 121,157 policies in force, with $330.8 million in actual annual earned premium.

Peak states it is transitioning the product to a new system and recalibrating rates to better align premiums with updated expected loss costs, explicitly passing litigation-related savings through to policyholders.

From a modeling standpoint, the insurer relied on NAII Fast Track data for loss trend analysis and implemented advanced analytics, including Tweedie GLM and XGBoost models, to derive territory factors and pure premium estimates.

Historically, the Florida program has experienced multiple rate increases, including an 8% increase in October 2021 and a 10% increase in January 2023, making the current filing a notable reversal in direction following recent legal reforms.