| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Liberty Mutual | +4.0% | 46K | 6/23/26 | LBPM-134893945 → |
| 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 → |
| Erie | +4.2% | 218K | 1/1/26 | ERAP-134691371 → |
If your Liberty Mutual renewal in Virginia came in higher, here is the source: Liberty Mutual filed for a rate increase (SERFF LBPM-134893945) and the Virginia Bureau of Insurance approved +4.0%. These are approved filings from the public SERFF system — not estimates — and each links to its filing.
The +4% ranges +82% to −18%
This is the number that matters. A statewide +4.0% sounds modest, but Liberty Mutual’s own filing reports the change ran from about +82% at the top to about −18% at the bottom — one of the widest spreads in the Virginia market. Inside that “+4% average,” some drivers were repriced by more than 80% while others were cut. If your Liberty Mutual bill jumped far more than 4%, this is why: the average describes the book, not you.
Where you land depends on your profile
Liberty Mutual reprices individually on your ZIP, vehicle, age, claims and coverage — the factors that determine whether you’re near the +82% end or the −18% end. It indicated a need of +5.3% and took +4.0%, so the book-wide move was small; the variance is all in how it was distributed. The only way to know where you sit — and whether a competitor would treat your profile better — is to compare for your exact situation.
The one stat that matters: Liberty Mutual’s Virginia filing ranged from +82% to −18% around a +4% average. If your bill jumped, you’re on the wrong end of that spread. Compare every carrier for your exact ZIP →
Meanwhile, Virginia’s biggest insurer cut rates
While Liberty Mutual raised, 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%. If you were repriced hard by Liberty Mutual, a competitor cutting rates is exactly who you want to check.
What to do with your renewal
Approved changes apply at renewal, not mid-term. Your renewal shows Liberty Mutual’s price for your coverage; it does not tell you what State Farm, USAA or Erie would charge for the same coverage. Given how wide Liberty Mutual’s spread ran, comparing your ZIP against every carrier is especially worth it — it’s free and takes a couple of minutes.