Product background
Commercial auto covers vehicles used by businesses, including business auto, garage, truckers, and combination programs, with liability and physical damage coverage depending on the filing.
Commercial auto filing research often turns on liability, medical payments, PIP, UM/UIM, specified causes of loss, comprehensive, collision, garagekeepers, trailer interchange, and state-specific auto notices.
Common filing signals
- Business auto, garage, truckers, and combination policy forms
- Liability, PIP, medical payments, UM/UIM, comprehensive, collision, and specified causes forms
- Trailer interchange, garagekeepers, motor carrier, cancellation, and state amendatory endorsements
Rate impact
Filings
2,417
Carriers
152
Avg impact
+10.9%
Max increase
+250.0%
Max decrease
-58.9%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| TX | 148 | +21.8% |
| GA | 111 | +11.4% |
| TN | 105 | +10.1% |
| IN | 97 | +9.2% |
| WI | 92 | +8.7% |
| UT | 91 | +11.1% |
| PA | 88 | +9.8% |
| MD | 81 | +9.1% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Courtesy Insurance Company1 states | +250.0% | 1 |
| AG Workers Insurance Group1 states | +106.8% | 2 |
| Pennsylvania Lumbermens Group1 states | +101.9% | 2 |
| Randall & Quilter Investment Group20 states | +73.6% | 22 |
| Ascot Insurance US Group2 states | +45.0% | 2 |
| MGI Holdings Group16 states | +44.4% | 17 |
| Amtrust Financial Services Group17 states | +44.0% | 24 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Jun 29, 2026 | Courtesy Insurance Company | CA | Ca 2026 Gap Rates | +250.0% | +250.0% |
| Jan 16, 2026 | Amtrust Financial Services Group | OR | Retail Commercial Lines | +195.8% | +262.0% |
| Feb 25, 2026 | Liberty Mutual Group | CA | Commercial Auto | +122.9% | +171.8% |
| Oct 10, 2025 | American International Group | CA | Commercial Auto-Corporate Filing- Form, Rate and Rule 229-000-010; 102-000-602; 165-000-602; 019-000-602; 229-000-010; 107-000-602; 130-000-602 | +111.3% | +193.4% |
| Oct 10, 2025 | American International Group | CA | Commercial Auto-Corporate Filing- Form, Rate and Rule 229-000-010; 102-000-602; 165-000-602; 019-000-602; 229-000-010; 107-000-602; 130-000-602 | +111.3% | +193.4% |
| Mar 23, 2026 | Amtrust Financial Services Group | NC | Retail Commercial Lines | +106.9% | +182.9% |
| Apr 21, 2026 | AG Workers Insurance Group | TX | Commercial Auto Liability | +106.8% | n/a |
| Apr 14, 2026 | AG Workers Insurance Group | TX | Commercial Auto Liability | +106.8% | n/a |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Commercial Auto | Berkshire Hathaway Group | Revised | 190 | Sep 15, 2026 |
| Travelers Commercial Automobile Product | Travelers Group | Revised | 87 | Sep 15, 2026 |
| Hp ISO - Rate Services Organization 26 | THE Hanover Insurance Group | Other | 67 | Sep 15, 2026 |
| Commercial Automobile | Munich RE Group | Other | 53 | Sep 15, 2026 |
| Bitco 2026 ISO Company Exceptions Revisions | OLD Republic Group | Revised | 27 | Sep 15, 2026 |
| Auto ISO Filings | Ascot Insurance US Group | Revised | 20 | Sep 15, 2026 |
Top carriers
Berkshire Hathaway Group665
American Financial Group645
WR Berkley Corporation Group592
Hartford Fire & CAS Group585
IAT Reins Company Group428
OLD Republic Group423
Liberty Mutual Group406
Zurich Insurance Group381
Top states
GA504
NJ467
PA466
WI457
KY435
ID415
TX414
NC409