| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Erie | +8.0% | 167K | 1/1/26 | ERPP-134682697 → |
| Homesite | −0.4% | 65K | 6/26/26 | HMSS-134894183 → |
| Amica | −3.0% | 11K | 8/1/26 | AMMA-134932424 → |
| Allstate | +0.6% | 124K | 11/10/25 | ALSE-134728018 → |
| Nationwide | +3.6% | 111K | 7/4/26 | NWPP-134558137 → |
| Virginia Farm Bureau | +3.8% | 60K | 9/1/26 | VRFB-134994651 → |
If your Erie renewal in Virginia came in higher, this is the source: Erie filed for a rate increase (SERFF ERPP-134682697) and it was approved at +8.0% on about 167,000 policyholders, effective January 1, 2026. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +8.0% is an average. Your Erie change ranges +40.0% to −48.2%.
A statewide rate change is one blended number, but Erie did not move every household by the same amount. Its own filing reports the spread: the largest increase in the book was about +40.0% and the largest decrease about −48.2%. So inside a “+8.0% average,” some Erie 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.
Erie asked for more than it got.
The filing shows an indicated need of +11.0% — the increase Erie’s own actuarial analysis said it required — against the +8.0% 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 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 Erie 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 →