| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Cincinnati | +3.4% | 36K | 3/1/26 | CNNB-134646555 → |
| Westfield | −0.1% | 33K | 3/1/26 | WSRG-134773758 → |
| Farmers | −0.2% | 21K | 8/11/25 | FARM-134614960 → |
| Ohio Mutual | −5.0% | 14K | 6/15/26 | OHMG-134945306 → |
| Shelter | −16.9% | 10K | 3/25/26 | SHEL-134793932 → |
| Liberty Mutual | +2.0% | 54K | 6/28/26 | LBPM-134878625 → |
If your Cincinnati renewal in Ohio came in higher, this is the source: Cincinnati filed for a rate increase (SERFF CNNB-134646555) and it was approved at +3.4% on about 35,574 policyholders, effective March 1, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +3.4% is an average. Your Cincinnati change ranges +10.0% to −2.5%.
A statewide rate change is one blended number, but Cincinnati did not move every driver by the same amount. Its own filing reports the spread: the largest increase in the book was about +10.0% and the largest decrease about −2.5%. So inside a “+3.4% average,” some Cincinnati 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.
Cincinnati asked for more than it got.
The filing shows an indicated need of +6.1% — the increase Cincinnati’s own actuarial analysis said it required — against the +3.4% 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 Ohio insurers are cutting.
An increase is only worth acting on relative to the alternatives, and in Ohio the direction is not uniform: Westfield (−0.1%), Farmers (−0.2%), and Ohio Mutual (−5.0%) all filed decreases in the same period. A Cincinnati 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 →