| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Auto-Owners | +6.7% | 33K | 10/28/25 | AOIC-134474539 → |
| Homesite | −0.4% | 65K | 6/26/26 | HMSS-134894183 → |
| Amica | −3.0% | 11K | 8/1/26 | AMMA-134932424 → |
| Virginia Farm Bureau | +3.8% | 60K | 9/1/26 | VRFB-134994651 → |
| Progressive | +10.0% | 48K | 9/24/25 | AMSI-134485084 → |
| Farmers | +0.0% | 24K | 7/1/25 | FARM-134586228 → |
If your Auto-Owners renewal in Virginia came in higher, this is the source: Auto-Owners filed for a rate increase (SERFF AOIC-134474539) and it was approved at +6.7% on about 32,641 policyholders, effective October 28, 2025. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +6.7% is an average. Your Auto-Owners change ranges +22.6% to −27.7%.
A statewide rate change is one blended number, but Auto-Owners did not move every household by the same amount. Its own filing reports the spread: the largest increase in the book was about +22.6% and the largest decrease about −27.7%. So inside a “+6.7% average,” some Auto-Owners households in Virginia were raised far more than the headline and others were cut. Where you land depends on your ZIP, home age, roof and claims history.
Auto-Owners asked for more than it got.
The filing shows an indicated need of +7.5% — the increase Auto-Owners’s own actuarial analysis said it required — against the +6.7% 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 Virginia insurers are cutting.
An increase is only worth acting on relative to the alternatives, and in Virginia the direction is not uniform: Homesite (−0.4%) and Amica (−3.0%) both filed decreases in the same period. An Auto-Owners increase alongside competitor cuts is the clearest signal there is that the market has moved and your renewal has not.
See every approved Virginia homeowners rate filing →