FOR IMMEDIATE RELEASE
March 9, 2026

Temple Finalizes Rate Changes Including Imperial Fire & Casualty, Allstate North American Auto Decreases

Commissioner Tim Temple has finalized filings from Imperial Fire & Casualty Insurance Company (IFAC) and Allstate North American Insurance Company (ANAIC) for rate decreases on their private passenger auto (PPA) insurance programs in Louisiana. Both companies are part of the larger Allstate group.

Commissioner Temple finalized IFAC's filing for a 6% decrease on its Value Product, which has over 41,000 Louisiana policies and typically covers higher-risk consumers by providing insurance options that meet state-required minimum liability limits. The decrease is driven by the company's improved loss experience in Louisiana. Commissioner Temple previously finalized IFAC's 5% rate reduction on the same program in 2025, bringing the program's total rate change to an 11% decrease in the past six months.

ANAIC's rate change was for a 7.5% decrease affecting the company's over 17,000 policies in Louisiana. Commissioner Temple also finalized ANAIC's request for a 7.6% decrease in late 2025, bringing the company's total rate change to an over 15% decrease since November of last year.

Rate changes are statewide averages, so each policyholder's rate change will vary based on their individual risk. The IFAC changes take effect Jan. 15, 2026, for new business, and Feb. 20, 2026, for renewal business. The ANAIC change takes effect on April 9 for new and renewal business.

"This is another positive development for Louisiana drivers, but our work is far from over," said Commissioner Temple. "We must continue strengthening our regulatory and legal framework so more drivers can experience the benefits of our reform efforts, and I encourage all Louisiana drivers to shop around now for a more affordable auto policy if you haven't done so in recent months."

IFAC also filed for a 2.9% decrease on its Mid-Market Product, which has over 32,000 PPA policies in effect and typically covers consumers who need liability limits above the state minimum.

Additionally, Commissioner Temple recently finalized a 4.9% increase for American National Property and Casualty Company. The company has approximately 4,200 PPA policies in effect and had a 2.5% increase in mid-2025. Commissioner Temple also finalized Amica Mutual Insurance Company's recent request for a 6.4% increase affecting its approximately 1,200 PPA policies.

Consumers may review all property and auto rate filings online with the Louisiana Department of Insurance's new user-friendly rate filing search tool.

About the Louisiana Department of Insurance: The Louisiana Department of Insurance works to improve competition in the state's insurance market while assisting individuals and businesses with the information and resources they need to be informed consumers of insurance. As a regulator, the LDI enforces the laws that provide a fair and stable marketplace and makes certain that insurers comply with the laws in place to protect policyholders. You can contact the LDI by downloading our LDIConnect mobile app on the Apple App Store or Google Play Store, calling us at 800-259-5300 or visiting www.ldi.la.gov.