| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| The Hartford | +5.0% | 12K | 5/7/26 | HART-134890745 → |
| Root | −4.1% | 13K | 6/23/26 | CLIN-134833383 → |
| Shelter | −16.9% | 10K | 3/25/26 | SHEL-134793932 → |
| Central | +4.0% | 13K | 12/1/25 | CEMC-134665345 → |
| Auto Club | +0.7% | 13K | 6/1/26 | IACA-134831927 → |
| Motorists | +2.0% | 11K | 7/20/25 | MTRS-134581282 → |
If your The Hartford renewal in Ohio came in higher, this is the source: The Hartford filed for a rate increase (SERFF HART-134890745) and it was approved at +5.0% on about 12,187 policyholders, effective May 7, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +5.0% is an average. Your The Hartford change ranges +13.0% to +0.5%.
A statewide rate change is one blended number, but The Hartford did not move every driver by the same amount. Its own filing reports the spread: the largest increase in the book was about +13.0% and the smallest about +0.5%. So inside a “+5.0% average,” some The Hartford drivers in Ohio were raised several times more than the headline while others barely moved. Where you land depends on your ZIP, vehicle, age and driving record.
The Hartford asked for more than it got.
The filing shows an indicated need of +23.7% — the increase The Hartford’s own actuarial analysis said it required — against the +5.0% 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: Root (−4.1%) and Shelter (−16.9%) both filed decreases in the same period. A The Hartford 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 →