Commonwealth Automobile Reinsurers

2024 Private Passenger Rates - Effective May 1, 2024
Updated for Increased Limit Rates and Factors - Effective November 1, 2024

On January 25, 2024, the Division of Insurance placed CAR's Private Passenger Residual Market rates on file for policies effective May 1, 2024 and later.   On July 30, 2024, the Division of Insurance placed CAR's Private Passenger Residual Market increased limit factors and rates on file for policies effective November 1, 2024 and later.   Pursuant to G.L. C. 175, §113H, these rates will be charged to consumers only in circumstances where these rates do not "exceed the premium charges, which would be used by each risk's Servicing Carrier for that risk if such risk were written on a voluntary basis."

Implementation Notes
pdf Effective 5/1/2024 - 10/31/2024     Effective 11/1/2024

Rating Factors
spreadsheet Effective 5/1/2024 - 10/31/2024     Effective 11/1/2024
PDF Effective 5/1/2024 - 10/31/2024     Effective 11/1/2024

Rate Pages - All Territories
spreadsheet Effective 5/1/2024 - 10/31/2024     Effective 11/1/2024
PDF Effective 5/1/2024 - 10/31/2024     Effective 11/1/2024

Increased Limits
spreadsheet Effective 5/1/2024 - 10/31/2024     Effective 11/1/2024
PDF Effective 5/1/2024 - 10/31/2024     Effective 11/1/2024

spreadsheetVRG Relativities by Model Year   PDFVRG Relativities by Model Year

spreadsheetVRG Assignment By Price   PDFVRG Assignment By Price

spreadsheetStated Amount Divisor   PDFStated Amount Divisor

spreadsheetStated Amount Rates   PDFStated Amount Rates

Motorcycle Rates

spreadsheetMotorcycle Rates   PDFMotorcycle Rates

Rate Pages by Individual Territory

Effective 5/1/2024 - 10/31/2024
spreadsheet   1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 |
18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 40 | 41 | 42 | 43 | 44 | 45
PDF   1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 |
18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 40 | 41 | 42 | 43 | 44 | 45

Effective 11/1/2024
spreadsheet   1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 |
18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 40 | 41 | 42 | 43 | 44 | 45
PDF   1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 |
18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 40 | 41 | 42 | 43 | 44 | 45