| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Acuity | +3.5% | 4K | 12/3/25 | ACUT-134665080 → |
| Shelter | −16.9% | 10K | 3/25/26 | SHEL-134793932 → |
| American Modern | −2.4% | 6K | 2/1/26 | AMMA-134696635 → |
| Hanover | +3.1% | 9K | 1/16/26 | HNVR-G134755148 → |
| Buckeye | +3.0% | 6K | 12/1/25 | BUCK-134682744 → |
| American Family | +2.9% | 5K | 5/1/26 | PRCA-134811925 → |
If your Acuity renewal in Ohio came in higher, this is the source: Acuity filed for a rate increase (SERFF ACUT-134665080) and it was approved at +3.5% on about 4,459 policyholders, effective December 3, 2025. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +3.5% is an average. Your Acuity change ranges +9.1% to −4.1%.
A statewide rate change is one blended number, but Acuity did not move every driver by the same amount. Its own filing reports the spread: the largest increase in the book was about +9.1% and the largest decrease about −4.1%. So inside a “+3.5% average,” some Acuity drivers in Ohio were raised far more than the headline and others were cut. Where you land depends on your ZIP, vehicle, age and driving record.
Other Ohio insurers are cutting.
An increase is only worth acting on relative to the alternatives, and in Ohio the direction is not uniform: Shelter (−16.9%) and American Modern (−2.4%) both filed decreases in the same period. An Acuity increase alongside competitor cuts is the clearest signal there is that the market has moved and your renewal has not.
See every approved Ohio auto rate filing →