State rate filings
Approved rate increases, on the record
An insurer cannot simply raise rates. It files a proposed change with the state insurance department, which reviews and approves, modifies, or rejects it. Those filings are public records, and several states publish the requested and approved percentages. This page collects them, most recent decisions first, each row citing its filing.
Rate filing records are live today for California. More states arrive one regulator at a time, as each publishes its percentages in a usable form.
What an approved change is not: your renewal letter. The approved percentage is a statewide average across the filing; your own change depends on your location, your home or car, your claims, and how the company tiers its rates. Some policyholders in an approved filing see more than the average, some less.
Largest approved homeowners increases, last 12 months
| Company | State | Approved change |
|---|---|---|
| Cincinnati Insurance Company (the) | California | +35.0% |
| ASI Select Insurance Corp | California | +31.9% |
| American Bankers Insurance Company Of Florida | California | +20.0% |
| Stillwater Insurance Company | California | +12.4% |
| CSAA Insurance Exchange | California | +10.8% |
Approved statewide averages from state filing records; each state page lists the filings behind these rows with dates and sources.
The last 12 months of decisions
- Largest approved homeowners increase: Cincinnati Insurance Company (the), +35.0% in California, decided Mar 10, 2026.
- Largest approved auto increase: American Modern Property And Casualty Insurance Company, +56.2% in California, decided Mar 28, 2026.
- At least half of the homeowners filings decided in the window were approved with no rate change: the median approved change was 0.0%.
- 130 filings with an approved rate change were decided in the last 12 months; 2 of them were decreases.
Data: California Department of Insurance rate filing records, decisions Jan 2, 2024 to Jun 24, 2026.
Pick a state
Why only some states: most states route filings through a national system whose search results do not expose the rate change percentage, so collecting them takes filing-by-filing work. States that publish the percentages directly (California, Florida, Texas) come first.