| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Hanover | +3.1% | 9K | 1/16/26 | HNVR-G134755148 → |
| Shelter | −16.9% | 10K | 3/25/26 | SHEL-134793932 → |
| Wayne Mutual | −5.0% | 9K | 1/1/26 | WMIN-134700884 → |
| Celina | −3.9% | 9K | 11/1/25 | CEIN-134650030 → |
| American Modern | −2.4% | 6K | 2/1/26 | AMMA-134696635 → |
| Motorists | +2.0% | 11K | 7/20/25 | MTRS-134581282 → |
If your Hanover renewal in Ohio came in higher, this is the source: Hanover filed for a rate increase (SERFF HNVR-G134755148) and it was approved at +3.1% on about 9,122 policyholders, effective January 16, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +3.1% is an average. Your Hanover change ranges +41.6% to −14.2%.
A statewide rate change is one blended number, but Hanover did not move every driver by the same amount. Its own filing reports the spread: the largest increase in the book was about +41.6% and the largest decrease about −14.2%. So inside a “+3.1% average,” some Hanover 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.
Hanover asked for more than it got.
The filing shows an indicated need of +5.1% — the increase Hanover’s own actuarial analysis said it required — against the +3.1% 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: Shelter (−16.9%), Wayne Mutual (−5.0%), and Celina (−3.9%) all filed decreases in the same period. A Hanover 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 →