| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Cincinnati Insurance | +15.0% | 5K | 2/1/26 | CNNB-134586864 → |
| State Farm | −6.5% | 1.4M | 12/11/25 | SFMA-134688491 → |
| Grange | −0.3% | 6K | 12/25/25 | GRAN-134767576 → |
| The Hanover | −0.5% | 6K | — | HNVR-G134889242 → |
| Peak | +0.0% | 6K | 4/11/26 | VKNG-134875890 → |
| Utica/Republic-Franklin | +0.0% | 5K | 10/23/26 | UTCX-134924068 → |
If your Cincinnati Insurance renewal in Virginia came in higher, this is the source: Cincinnati Insurance filed for a rate increase (SERFF CNNB-134586864) and it was approved at +15.0% on about 5,409 policyholders, effective February 1, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +15.0% is an average. Your Cincinnati Insurance change ranges +41.0% to −3.6%.
A statewide rate change is one blended number, but Cincinnati Insurance did not move every driver by the same amount. Its own filing reports the spread: the largest increase in the book was about +41.0% and the largest decrease about −3.6%. So inside a “+15.0% average,” some Cincinnati Insurance drivers in Virginia were raised far more than the headline and others were cut. Where you land depends on your ZIP, vehicle, age and driving record.
Cincinnati Insurance asked for more than it got.
The filing shows an indicated need of +20.5% — the increase Cincinnati Insurance’s own actuarial analysis said it required — against the +15.0% it actually took. That gap matters for what comes next: a carrier that took less than it indicated has an unclosed gap, and the remainder often arrives in a later filing rather than disappearing.
Other Virginia insurers are cutting.
An increase is only worth acting on relative to the alternatives, and in Virginia the direction is not uniform: State Farm (−6.5%), Grange (−0.3%), and The Hanover (−0.5%) all filed decreases in the same period. A Cincinnati Insurance increase alongside competitor cuts is the clearest signal there is that the market has moved and your renewal has not.
See every approved Virginia auto rate filing →