| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Central | +4.0% | 13K | 12/1/25 | CEMC-134665345 → |
| Root | −4.1% | 13K | 6/23/26 | CLIN-134833383 → |
| Shelter | −16.9% | 10K | 3/25/26 | SHEL-134793932 → |
| Hastings | +0.9% | 14K | 5/1/26 | HAST-134712938 → |
| Auto Club | +0.7% | 13K | 6/1/26 | IACA-134831927 → |
| The Hartford | +5.0% | 12K | 5/7/26 | HART-134890745 → |
If your Central renewal in Ohio came in higher, this is the source: Central filed for a rate increase (SERFF CEMC-134665345) and it was approved at +4.0% on about 12,924 policyholders, effective December 1, 2025. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +4.0% is an average. Your Central change ranges +59.3% to −24.0%.
A statewide rate change is one blended number, but Central did not move every driver by the same amount. Its own filing reports the spread: the largest increase in the book was about +59.3% and the largest decrease about −24.0%. So inside a “+4.0% average,” some Central 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: Root (−4.1%) and Shelter (−16.9%) both filed decreases in the same period. A Central 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 →