| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Selective Insurance | +6.8% | 21K | 9/30/25 | SELC-134599344 → |
| Palisades | −5.0% | 98K | 4/17/26 | HPIC-134859181 → |
| Amica | +0.0% | 13K | 10/1/26 | AMMA-134740625 → |
| Farmers | +7.0% | 7K | 5/24/26 | FARM-134703203 → |
| Encompass | +6.9% | 5K | 10/24/26 | GMMX-134806021 → |
| AIG | +0.0% | 1K | 1/1/26 | APCG-134652591 → |
If your Selective Insurance renewal in New Jersey came in higher, this is the source: Selective Insurance filed for a rate increase (SERFF SELC-134599344) and it was approved at +6.8% on about 21,017 policyholders, effective September 30, 2025. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +6.8% is an average. Your Selective Insurance change ranges +15.4% to +3.1%.
A statewide rate change is one blended number, but Selective Insurance did not move every driver by the same amount. Its own filing reports the spread: the largest increase in the book was about +15.4% and the smallest about +3.1%. So inside a “+6.8% average,” some Selective Insurance drivers in New Jersey were raised several times more than the headline while others barely moved. Where you land depends on your ZIP, vehicle, age and driving record.
Selective Insurance asked for more than it got.
The filing shows an indicated need of +23.6% — the increase Selective Insurance’s own actuarial analysis said it required — against the +6.8% 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 New Jersey insurers are cutting.
An increase is only worth acting on relative to the alternatives, and in New Jersey the direction is not uniform: Palisades (−5.0%) filed decreases in the same period. A Selective Insurance increase alongside competitor cuts is the clearest signal there is that the market has moved and your renewal has not.
See every approved New Jersey auto rate filing →