Product background
Personal auto covers privately owned vehicles and trailers for non-commercial use, including private passenger auto, motorcycle, recreational vehicle, and related combination programs.
Personal auto filings are useful for reviewing liability, PIP, medical payments, UM/UIM, comprehensive, collision, cancellation, renewal, and consumer notice language.
What forms make up a personal auto policy
An ISO personal auto policy is built from coverage forms, a declarations page and endorsements. The coverage form is PP 00 01 Personal Auto Policy (edition 09 18, filed by 31 carrier groups). Widely filed endorsements include PP 03 35 Auto Loan/Lease Coverage (26), PP 03 05 Loss Payable Clause (26), and PP 03 19 Additional Insured - Lessor (25).
Common filing signals
- Private passenger auto, motorcycle, recreational vehicle, and combination forms
- Liability, PIP, medical payments, UM/UIM, comprehensive, collision, and specified causes filings
- Cancellation, nonrenewal, coverage selection, deductible, and state notice forms
Rate impact
Filings
2,438
Carriers
164
Avg impact
+0.6%
Max increase
+75.5%
Max decrease
-48.8%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| TX | 211 | +0.7% |
| MI | 117 | +0.2% |
| IL | 110 | +1.1% |
| AZ | 109 | +0.8% |
| GA | 108 | +2.5% |
| IN | 83 | +0.4% |
| VA | 82 | -0.2% |
| TN | 78 | -1.0% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| American International Group15 states | +15.0% | 15 |
| GoAuto Group5 states | +14.1% | 10 |
| Kemper Corporation Group8 states | +11.9% | 34 |
| Hugo Insurance Exchange3 states | -10.7% | 3 |
| IMT Mutual Holding Group4 states | -9.0% | 4 |
| Branch Insurance Exchange9 states | -8.6% | 11 |
| Tokio Marine Holdings Incorporated Group21 states | +8.6% | 22 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Oct 2, 2026 | GoAuto Group | OH | Gaic-Oh-2.0 | +75.5% | +149.2% |
| Jun 18, 2026 | Tokio Marine Holdings Incorporated Group | CA | Piic-Specialty Vehicle Insurance Program | +60.6% | +532.5% |
| Jan 21, 2026 | Allstate Insurance Group | VT | Apc Mc | +53.4% | +95.9% |
| Sep 11, 2026 | AMEX Assurance Company | KS | Premium Car Rental Protection | +51.4% | +52.1% |
| Apr 21, 2026 | Farmers Insurance Group | CA | Antique and Classic Auto Program | +50.0% | +129.5% |
| Feb 18, 2026 | Assurant Incorporated Group | MT | Antique Auto Program | -48.8% | +10.2% |
| May 21, 2026 | Kemper Corporation Group | IL | Illinois Reciprocal Auto | +41.5% | +53.2% |
| Jul 29, 2026 | Allstate Insurance Group | CT | Ct Ngic Rad7mm Rate Revision | -37.1% | 0.0% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Quantum Auto 2.0 | Travelers Group | Revised | 245 | Nov 10, 2026 |
| - Auto Rate/Rule | Berkshire Hathaway Group | Revised | 51 | Nov 10, 2026 |
| Private Passenger Auto | Farmers Insurance Group | Revised | 47 | Nov 10, 2026 |
| Classic Automobile Program | Markel Corporation Group | Revised | 36 | Nov 10, 2026 |
| A - Cycle Form | Berkshire Hathaway Group | New | 4 | Nov 10, 2026 |
| Ct Personal Auto Millennium Program - Revision (Form) | Utica Group | Revised | 2 | Nov 10, 2026 |
Top carriers
Top states
TX753
IL503
PA439
IN362
VA354
AZ329
MI321
KY301