Republic-Franklin, part of Utica National, filed changes to its North Carolina personal auto program that would lower overall rates by 5.4% across its Select and Essentials tiers.

The changes, effective April 27, 2026 for new business and June 21, 2026 for renewals, adjust three main pricing elements: account credits, risk tier structure, and zip code factors. The updates allow the company to target lower prices toward preferred customers and lower-risk areas while maintaining pricing discipline elsewhere.

The North Carolina book is small, with about 155 policyholders and $258,718 in written premium. The filing follows a 2.1% rate increase implemented in October 2025 and signals a more competitive pricing approach in the state.

The program also continues to use a LexisNexis credit-based insurance score as part of underwriting and rating.