| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| USAA | +9.9% | 335K | 9/21/26 | USAA-134985185 → |
| State Farm | −3.0% | 2.1M | 11/28/25 | SFMA-134677514 → |
| Travelers | −10.1% | 109K | 5/8/26 | TRVD-G134911970 → |
| Progressive | −4.1% | — | 12/5/25 | PRGS-134655228 → |
| GEICO | +4.6% | 177K | 8/21/25 | GECC-134514872 → |
If your USAA renewal in Georgia is climbing, here is the source: USAA filed for a rate increase (SERFF USAA-134985185) and Georgia regulators approved +9.9%. These are approved filings from the public SERFF system — not estimates — and each links to its filing.
A +9.9% increase while the rest of the market is cutting
What makes USAA’s Georgia increase notable isn’t just the size — it’s the timing. Georgia auto rates are broadly softening in 2026. State Farm, the state’s largest insurer, cut −3.0% across more than 2 million policyholders; Travelers cut −10.1%; Progressive cut −4.1%. USAA moving up nearly ten percent against that backdrop is the exception, not the trend — which makes comparing your options unusually worthwhile right now.
Your increase isn’t the average
A statewide +9.9% is a blended figure; USAA reprices individually on your ZIP, vehicle, age, claims and coverage, so your actual change may be higher or lower. USAA is often among the cheapest carriers for the members it serves, and it may still be competitive for you even after this increase — but the only way to know is to compare it against the carriers that just cut.
The one stat that matters: USAA is raising Georgia +9.9% while State Farm cut 2 million Georgians and Travelers cut −10.1%. Compare every carrier for your exact ZIP →
When it hits you
USAA’s increase takes effect for new business on Sep 21, 2026, and reaches existing members at renewal after that — not mid-term. So members renewing this fall and winter will see it first, and two identical members can pay different rates for months purely on renewal timing. Your renewal notice shows USAA’s price; it doesn’t tell you what State Farm, Progressive or Travelers would charge for the same coverage today.
What to do with your renewal
Given that Georgia’s biggest books are moving down while USAA moves up, this is a good moment to run your ZIP and profile against every carrier. It’s free and takes a couple of minutes — and if USAA is still your best price, you’ll have confirmed it rather than guessed.