BATON ROUGE — Louisiana Insurance Commissioner Tim Temple has approved rate decreases for two Allstate-affiliated insurers covering more than 58,000 private passenger auto policies in the state, continuing a trend of rate adjustments tied to improved loss performance.
Temple finalized a 6 percent rate reduction for Imperial Fire & Casualty Insurance Company on its Value Product, which insures more than 41,000 Louisiana policyholders. The program primarily serves higher-risk drivers and provides coverage that meets the state’s minimum liability requirements.
The decrease follows a separate 5 percent reduction approved in 2025 for the same product, bringing the program’s combined rate change to an 11 percent decrease over the past six months. The latest adjustment was driven by improved loss experience in Louisiana.
Temple also finalized a 7.5 percent rate decrease for Allstate North American Insurance Company, affecting more than 17,000 policies statewide. The company previously received approval for a 7.6 percent decrease in late 2025, bringing its total rate reduction to more than 15 percent since November.
Rate adjustments represent statewide averages, and individual policyholders may see different changes depending on their personal risk profile.
The Imperial Fire & Casualty reduction takes effect Jan. 15, 2026, for new policies and Feb. 20, 2026, for renewals. The Allstate North American change takes effect April 9 for both new and renewal business.
“This is another positive development for Louisiana drivers, but our work is far from over,” Temple said. “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.”
In a separate filing, Imperial Fire & Casualty also requested a 2.9 percent decrease for its Mid-Market Product, which covers more than 32,000 policies and generally serves drivers seeking liability limits above the state minimum.
Temple also approved rate increases for two insurers. American National Property and Casualty Company received approval for a 4.9 percent increase affecting approximately 4,200 Louisiana policies, following a 2.5 percent increase approved in mid-2025. Amica Mutual Insurance Company received approval for a 6.4 percent increase affecting about 1,200 policies.
Consumers can review property and auto insurance rate filings through the Louisiana Department of Insurance’s online rate filing search tool.