November 13, 2025 - Commissioner Tim Temple Announces Allstate North American, Encompass Auto Rate Decreases

FOR IMMEDIATE RELEASE
November 13, 2025

Commissioner Tim Temple Announces Allstate North American, Encompass Auto Rate Decreases

Insurance Commissioner Tim Temple has approved Allstate North American Insurance Company's (ANAIC) filing for a 7.6% rate decrease for its 10,746 personal auto policyholders in Louisiana. The change takes effect on Jan. 8, 2026. Commissioner Temple also approved Encompass Insurance Company of America's National General program filing for a 15% decrease, which impacts the company's 1,516 personal auto policyholders and takes effect on Dec. 8, 2025. Rate changes are statewide averages, so each policyholder's rate change will vary based on their individual risk.

ANAIC and Encompass are both Allstate companies, and these rate decreases apply only to policyholders of these two specific companies. Consumers may review all property and auto rate filings online with the Louisiana Department of Insurance's new user-friendly rate filing search tool.

"This is more good news for Louisiana drivers, but we have much more work to do," said Commissioner Temple. "We must be proactive and continue improving our regulatory and legal environment to ensure more Louisiana drivers see the results of our reform efforts."

"While it's too early to measure the impact, the recent tort reform efforts reinforce confidence that Louisiana is committed to creating a healthier market for both consumers and insurers, and we're already seeing signs of increased competition for our business in the state," said an Allstate representative.

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 https://www.ldi.la.gov.