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.
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
2,482
Carriers
170
Avg impact
+0.6%
Max increase
+60.6%
Max decrease
-48.8%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| TX | 225 | +0.4% |
| MI | 119 | +0.6% |
| AZ | 118 | +0.2% |
| GA | 101 | +2.6% |
| IL | 100 | +0.5% |
| IN | 85 | -0.3% |
| TN | 82 | -1.1% |
| VA | 77 | +0.4% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| AMEX Assurance Company1 states | +51.4% | 1 |
| Ambac Financial Group1 states | -24.4% | 1 |
| Assurant Incorporated Group2 states | -24.3% | 2 |
| Star Casualty1 states | +23.7% | 1 |
| Gateway Insurance Company1 states | -18.6% | 1 |
| West Virginia National Auto Insurance Company1 states | -17.1% | 2 |
| American International Group14 states | +15.3% | 15 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Jun 18, 2026 | Tokio Marine Holdings Incorporated Group | CA | Piic-Specialty Vehicle Insurance Program | +60.6% | +532.5% |
| Apr 30, 2026 | Tokio Marine Holdings Incorporated Group | CA | Piic-Specialty Vehicle Insurance Program | +54.5% | +145.6% |
| 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% |
| Mar 3, 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% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Quantum Auto 2.0 | Travelers Group | Revised | 226 | Sep 15, 2026 |
| Private Passenger Auto | American Family Insurance Group | Revised | 198 | Sep 15, 2026 |
| Anaic Ppa | Allstate Insurance Group | Revised | 196 | Sep 15, 2026 |
| Personal Automobile | Liberty Mutual Group | Revised | 85 | Sep 15, 2026 |
| Private Passenger Auto | Auto Owners Group | Revised | 43 | Sep 15, 2026 |
| Automobile Program | Automobile Club MI Group | Revised | 38 | Sep 15, 2026 |
Top carriers
Allstate Insurance Group1,258
Farmers Insurance Group835
Liberty Mutual Group430
Berkshire Hathaway Group408
State Farm Group348
Progressive Group340
American Family Insurance Group320
Travelers Group320
Top states
TX779
PA428
IL423
AZ341
IN334
MI314
VA306
KY279