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.
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% |
| ASI Select Insurance Corp | California | +17.3% |
| QBE Insurance Corporation | California | +15.0% |
Approved statewide averages from state filing records; each state page lists the filings behind these rows with dates and sources.
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.