The Main Street America Group announced it is launching its Personal Auto MVP in four new states, including Virginia.

The Jacksonville, Fla.-based company also said it is bringing the multivariate rating program to independent insurance agents in New York, Michigan and Rhode Island, bringing the total number of states where the product is available to 13, including Maryland and Pennsylvania.

Personal Auto MVP is a rating program designed to provide pricing flexibility for the property-casualty carrier’s new personal auto policies, the company said. It is based on predictive modeling or multivariate rating, which considers a variety of risk characteristics simultaneously, as well as the interactions and correlations among these characteristics, to price a policy, according to Main Street America Group.

With Personal Auto MVP’s expanded underwriting guidelines, 80% to 85% of the available private passenger auto market would qualify for coverage, the company said, including drivers with one “driving under the influence” conviction, but an otherwise clean driving record.

The company’s Virginia agent-customers are able to quote and issue new Personal Auto MVP business, as well as homeowners business, through Main Street America’s new Main Street Station for Personal Lines policy processing system. The new system provides real-time rating, automated underwriting and 24-hour access.

“Personal Auto MVP has generated a lot of excitement among our agent-customers, who have found the product very competitive on price,” said Bonny Parker, vice president of Main Street America’s personal lines, in a statement. “In nearly every one of the states where we have launched Personal Auto MVP so far, personal auto business has grown an average of 22% versus the previous year.”

Main Street America is rolling out Personal Auto MVP, MVP Auto Elite and Main Street Station for Personal Lines on a state-by-state basis to its agent-customers throughout the states where it writes business.