| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Amica | +9.8% | 18K | 11/1/25 | AMMA-134467010 → |
| Nationwide | −0.4% | 10K | — | NWPP-134524125 → |
| Mercury | +0.0% | 19K | 5/27/26 | MERY-134937327 → |
| Safeco | +9.9% | 17K | 7/29/26 | LBPM-134861427 → |
| Cincinnati | +7.5% | 12K | — | CNNB-134734847 → |
| Allstate | +0.0% | 12K | 10/13/26 | ALSE-134921023 → |
If your Amica renewal in Georgia came in higher, this is the source: Amica filed for a rate increase (SERFF AMMA-134467010) and it was approved at +9.8% on about 17,941 policyholders, effective November 1, 2025. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +9.8% is an average. Your Amica change ranges +30.0% to −18.0%.
A statewide rate change is one blended number, but Amica did not move every household by the same amount. Its own filing reports the spread: the largest increase in the book was about +30.0% and the largest decrease about −18.0%. So inside a “+9.8% average,” some Amica households in Georgia were raised far more than the headline and others were cut. Where you land depends on your ZIP, home age, roof and claims history.
Amica asked for more than it got.
The filing shows an indicated need of +14.0% — the increase Amica’s own actuarial analysis said it required — against the +9.8% 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 Georgia insurers are cutting.
An increase is only worth acting on relative to the alternatives, and in Georgia the direction is not uniform: Nationwide (−0.4%) filed decreases in the same period. An Amica increase alongside competitor cuts is the clearest signal there is that the market has moved and your renewal has not.
See every approved Georgia homeowners rate filing →