State Farm Classic Insurance Company has submitted a rate and rule filing in Georgia to support the launch of its Classic+® program, effective January 1, 2026, for new business. The specialty auto program targets the collector car market, offering actuarially supported and competitive rates.

The filing is based largely on Essentia Insurance Company’s rates and rules, with modifications. Key elements include vehicle-level liability rates, Guaranteed Value® factors blending State Farm Mutual and Essentia methodologies, and an optional Value-Added Endorsement priced in three tiers ($5, $25, $50). A transition rule phases renewal premiums to full manual rates over three years.

Surcharges use a three-year driving record and loss history period, while insurance score factors are sourced from a prior approved Essentia filing. The LexisNexis Attract Home 3.0 Insurance Score Model is also incorporated.

The program will be distributed through State Farm’s exclusive agents, marking an expansion of its Classic+® product footprint in the collector vehicle segment.