Updated 11/10/2025
Filing Number
Rate impact
Content
New Business Effective Date
Renewal Effective Date
Rule:
- Direct Payment Plan for Motor Vehicle Collision and Comprehensive Coverage Claims and Referral Repair Shop Programs
Markup of Changes
11/10/2025
11/10/2025
Rate/Rule
Liberty Mutual Personal
- Section FR-Forms
Liberty Mutual Fire Ins. Co.
Rule:
- G7. Coverages and Limits
- P2. Prior Insurance
Rate:
- Bodily Injury Limit – Coverage Factor
- Property Damage Limit – Coverage Factor
- Uninsured Bodily Injury Limit – Coverage Factor
- Underinsured Bodily Injury Limit – Coverage Factor
- Compulsory Bodily Injury Limit – Coverage Factor
LM General Ins. Co.
Rule:
- G11. Coverages and Limits
- G12. Mandatory Offer of Coverage
Rate:
- Limit Factor
- Motorcycle Rating Coverage Factors
Liberty Mutual Ins. Co.
Rate:
- Class – Territory Base Rates
Rule:
- Rule 2. Coverages and Limits
- Rule 3. Mandatory Offer
- Increased Limits Tables
Liberty Mutual Ins. Group
- Increased Limits and Program Factors
- Uninsured/Underinsured Motorists Rates
- Miscellaneous Motor Vehicle
- Motorcycle Rates
Liberty Mutual Personal
Rule:
- G11. Coverages and Limits
- G12. Mandatory Offer of Coverage
Rate:
- Coverage Factors
Liberty Mutual Ins. Group
Rate:
- Miscellaneous Motor vehicle
- Miscellaneous Motor Vehicles Base Rates
- Motorcycle Rates
- Index of forms (all carriers)
Markup of Changes
07/01/2025
07/01/2025
+5%
Rate:
- Class – Territory Base Rates
- Increased Limits and Program Factors
- Uninsured/Underinsured Motorists Rates
- Pip Deductible Discounts
Markup of Changes
06/15/2024
06/15/2024
+8.2%
Rate:
- Class – Territory Base Rates
- Increased Limits and Program Factors
- Uninsured/Underinsured Motorists Rates
- PIP Deductible Discounts
Markup of Changes
06/15/2023
06/15/2023
Rule:
- Variable Payment Plan
- Installment Fee Support – Direct Bill
- Installment Fee Support – Recurring Credit Card
Markup of Changes
10/11/2022
10/11/2022
+4.9%
Rate:
- Class-Territory Base Rates
- Increased Limits and Program Factors
- Uninsured/Underinsured Motorists Rates
- PIP Deductible Discounts
Markup of Changes
09/06/2022
09/06/2022
Rule:
- Direct Payment Plan for Motor Vehicle Collision and Comprehensive Coverage Claims and Referral Repair Shop Programs
Markup of Changes
07/25/2022
07/25/2022
+3
Rate:
- Class-Territory Base Rates
- Increased Limits and Program Factors
- Uninsured/Underinsured Motorists Rates
- PIP Deductible Discounts
Markup of Changes
01/06/2022
02/10/2022
Rule:
MC-G11 Coverage and Limits
MC-C21 Reserved for Future Use (formerly Military Discount)
06/01/2017
07/06/2017
Form:
- Coverage Selections Page – Auto 2329 04 17
Markup of Changes
04/`17/2017
05/22/2017
+5%
Rate:
I. Rating Changes
A. Base Rate Changes
- Part 1 Compulsory Bodily Injury rates revised
- Part 2 Compulsory PIP rates revised
- Part 3 Bodily Injury by Uninsured Auto rates revised
- Part 4 Compulsory Property Damage rates revised
- Part 5 Optional Bodily Injury rates revised
- Part 6 Medical Payments rates revised
- Part 7 Collision rates revised
- Part 9 Comprehensive rates revised
- Part 12 Bodily Injury by Underinsured Auto rates revised
B. Model Year / Symbol Changes
- The model year symbol tables have been revised to account for 2018 model years.
Form:
- Complete Manual of Rules
Markup of Changes
04/01/2017
04/01/2017
Rule:
- Rule 13A. Premium Payment Plan
- Rule 13B. Late payment Fee
- Installment Payment Plan
Markup of Changes
01/21/2017
02/25/2017
Form/Rule
Form:
- Additional Policy Protection – PMKT 1249 (6/16)
- Endorsement Alpha Index
Rule:
- Rule 37. Additional Policy Protection
Markup of Changes
06/20/2016
07/25/2016
+5%
Rate/Rule:
Rate:
- Base Rate Changes
- Model Year/Symbol Changes
Rule:
- Complete Manual of Rules
- Rule 56. Driving Record Rating Plan
Markup of Changes
04/01/2016
04/01/2016
Form/Rate/Rule
Form:
- Liberty Mutual Deductible Fund – AS 3837 05 15
- Coverage Selections Page – AUTO 3439 05 15
Rule:
- Rule 36. Liberty Mutual Deductible Fund
Rate:
- Liberty Mutual Deductible Fund
Markup of Changes
05/15/2015
05/15/2015
+4%
Rate:
Rating Changes
- Base Rate Changes
- Part 1 Compulsory Bodily Injury rates revised
- Part 2 Compulsory PIP rates revised
- Part 3 Bodily Injury by Uninsured Auto rates revised
- Part 4 Compulsory Property Damage rates revised
- Part 5 Optional Bodily Injury rates revised
- Part 6 Medical Payments rates revised
- Part 7 Collision rates revised
- Part 9 Comprehensive rates revised
- Part 12 Bodily Injury by Underinsured Auto rates revised
- B. Model Year / Symbol Changes
- The model year symbol tables have been revised to account for 2016 model years.
Markup of Changes
04/01/2015
04/01/2015
Forms:
- Medical Payment Coverage Emendatory Endorsement – AS 3820 09 14
09/22/2014
09/22/2014
+6.9%
Rate:
- Class-Territory Base Rates
- Increased Limits and Program Factors
- UM/UIM Rates
- PIP Deductible Discounts
- Model Year/Symbol Factors
- Mark up of Changes
04/01/2014
04/01/2014
+4.9%
Base Rates
Model Year/Symbol Changes
Rating Manual Changes – mark up
Rules: 11, 19, 26, 28
04/01/2013
04/01/2013
Forms & Endorsements:
- Application for MA Motor Vehicle Insruance – Auto 4197 04 12
08/17/2012
08/17/2012
+4.9%
Forms & Endorsements:
- MA Mandatory Endorsement
Rates
Rule 19, 22, 41, 56
04/01/2012
04/01/2012
Forms and Endorsements:
- Employee Parking Guard Coverage
- Application
Rules: 11, 35
Rates
10/17/2011
10/17/2011
Forms & Endorsements:
- Coverage Selections Page
- Additional Statistical Information Sheet
- Application
09/15/2011
09/15/2011
Forms and Endorsements:
- Coverage Selections Page
- MA Renewal Form
- Liberty Advantage Plus Endorsement
- MA Auto Insurance Policy
- Premium for Financial Responsibility Certtificate Endorsement
- Education Affinity Endorsement
- Educator Endorsement
- Liberty Advantage Endorsement
- Trust Endorsement
- Federal Employees Using Autos Not Owned in the Course of Employment
- Mobile Home Endorsement
- Commonwealth of MA Employees Using Autos They do Not Own in the Course of Employment
- Restriction of Personal Injury Protection for Employers Subject to the MA Workers’ Compensation ACT
- Other Optional Ins:
- Combined Additional Coverage
- Fire, Lightning, Transportation
- Theft
- Agreed Amount – Comprehensive
- Coverage for Anyone Renting an Auto to You Additional Insured – Lessor
- Coverage for Customized Vans and Pickups
- Excess Electronic Equipment Coverage
- $100 Glass Deductible – Comprehensive
- Guest Occupants Exclusions – Motorcycle
- MA Mandatory Endorsement
- Non-Renewal of Policy – Motorcycle. Recreational Vehicles & Trailers
- Stated Amount Coverage
- Suspension of Coverage & Reduction of Limits
- Transport Fellow Employees, Students or Others
- Use of Other Autos – Vehicles Furnished or Available for Regular Use
- Use of Other Auto – Vehicles Furnished or Available for Use as Public or Livery Conveyances
- Waiver of Deductible
- MA Automobile Insurance Private Passenger Vehicle Operator Classifications Sheet
- Driving Record Rating Plan Statement
- Policy
- Premium for Financial Responsibility Certificate Endorsement
10/20/2010
10/20/2010
Forms & Endorsements:
- Education Affinity Endorsement
- Educator Endorsement
10/20/2008
11/24/2008
Forms & Endorsements:
- Liberty Advantage Endorsement
- Liberty Advantage Plus Endorsement
- Trust Endorsement
- Federal Employees Using Autos They Do Not Own in the Course of Employment
- Mobile Home Endorsement
- Commonwealth of MA Employees Using Autos They Do Not Own in the Course of Employment
- Restriction of Personal Injury Protection for Employers Subject to the MA Workers’ Compensation Act
- Other Optional Ins:
- Combined Additional Coverage
- Fire, Lightning & Transportation
- Theft
- Comprehensive
- Antique Auto
- Coverage for Anyone Renting an Auto to You Additional Insured – Lessor
- Coverage for Customized Vans & Pickups
- Excess Electronic Equipment Coverage
- $100 Glass Deductible – Comprehensive
- Guest Occupants Exclusion – Motorcycles
- MA Mandatory Endorsement
- Non-Renewal of Policy- Motorcycle, Recreational & Trailers
- Stated Amount Coverage
- Suspension of Coverage AND Reduction of Limits
- Transport Fellow Employees, Students or Others
- Use of Other Auto – Vehicles Furnished or Available for Regular Use
- Use of Other Auto – Vehicles Furnished or Available for Use as a Public or Livery Conveyances
- Waiver of Deductible
- Application for Good Student Discount
- Public Transit Discount Verification
- Driving Record Rating Plan Statement
- Operator Exclusion Form
- MA Renewal Form
- Auto Application
- Coverage Selections Page
- Transfer of Insurer 2A
04/01/2008
04/01/2008