| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Erie | +4.2% | 218K | 1/1/26 | ERAP-134691371 → |
| State Farm | −6.5% | 1.4M | 12/11/25 | SFMA-134688491 → |
| USAA | −1.3% | 182K | 3/1/26 | USAA-134728239 → |
| Nationwide | −5.0% | 17K | 6/4/26 | NWPP-G134897540 → |
| GEICO | +3.8% | 181K | 4/15/26 | GECC-134876961 → |
| Progressive | +2.0% | 199K | 5/16/25 | PRGS-134458370 → |
If your Erie renewal in Virginia came in higher, this is the source: Erie filed for a rate increase (SERFF ERAP-134691371) and the Virginia Bureau of Insurance approved +4.2%. The figures above are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +4.2% is an average. Your Erie change ranges +34% to −30%.
A statewide rate change is one blended number, but Erie didn’t move every driver by the same amount. Its own filing reports the spread: the largest increase in the book was about +34%, and the largest decrease was about −30%. So inside a “+4.2% average,” some Virginia Erie drivers were raised by a third and others were cut by nearly as much. Where you land depends on your ZIP, vehicle, age, claims and coverage — which is exactly why the headline average can’t tell you whether your increase is reasonable.
Erie took less than it asked for — then started cutting
Filings separate the indicated change (what the actuaries said the loss data justified) from the approved change (what the state allowed). Erie indicated +6.9% and took +4.2% — it held below its own number. And a later Erie Virginia filing actually cut −1.3%. So Erie’s trajectory here is a carrier fine-tuning, not one racing to catch up with runaway losses — the sign of a market that has largely stabilized.
The one stat that matters: Erie’s Virginia filing ranged from +34% to −30% around a +4.2% average. A carrier that raised you can be cutting the driver one ZIP over. Compare every carrier for your exact ZIP →
Meanwhile, Virginia’s biggest insurer cut rates
Here is what your renewal notice won’t mention. While Erie nudged up, State Farm — the largest auto insurer in Virginia — cut −6.5% on roughly 1.43 million policyholders, after an earlier −4.0% cut. USAA trimmed −1.3% and part of Nationwide’s book came down −5.0%. Some of Virginia’s biggest books moved down — so an Erie increase is a strong reason to see what a competitor would charge you today.
What to do with your renewal
Approved changes apply at renewal, not mid-term, and usually reach new customers before existing ones — so two identical drivers can pay different rates for months on timing alone. Your renewal shows Erie’s price for your coverage; it does not tell you what State Farm, USAA or anyone else would charge for the same coverage. Running your ZIP against every carrier takes a couple of minutes and costs nothing.