Approved as filedClosed California
California approves 6.9% homeowners rate increase for California Automobile Insurance Company
California Automobile Insurance Company asked California regulators to raise homeowners rates across all of its programs by 6.9% on average. The California Department of Insurance (CDI) gave public notice of the filing on Oct. 3, 2025 and closed it as approved at 6.9% on June 2, 2026. CDI had closed an earlier 6.9% homeowners filing for the company on Dec. 18, 2025.
By C. Zakarian, editor. Published
Approved exactly as filed. Overall average increase; individual premiums vary.
Who it affects
CDI lists the filing as covering all of California Automobile Insurance Company's programs in the personal homeowners multi-peril line. The 6.9% is an overall average. Individual policyholders' changes can be larger or smaller. CDI's lists do not give the number of policies covered or the date the new rates take effect.
What the record shows
CDI's weekly public notices list each new filing's company, program, filing type, and requested overall change. Its closed-filings lists add the approved change, the outcome, and the date CDI closed the filing. Neither gives the insurer's stated reasons for the change; those are in the full filing on SERFF Filing Access.
How this compares
Every homeowners rate filing for California Automobile Insurance Company in CDI's lists since 2023 was approved as requested. CDI closed two 6.9% filings for the company in a little over five months: file 25-1789 on Dec. 18, 2025 and this filing on June 2, 2026. Before that, CDI approved 12.0% in January 2025, 7.0% in March 2024, and 12.6% in March 2023.
| CDI file | Program | Requested | Approved | Closed |
|---|---|---|---|---|
| 25-2014 (this filing) | All programs | +6.9% | +6.9% | June 2, 2026 |
| 25-1789 | All programs | +6.9% | +6.9% | Dec. 18, 2025 |
| 24-171 | All programs | 0.0% | 0.0% | July 22, 2025 |
| 24-1205 | All programs | +12.0% | +12.0% | Jan. 16, 2025 |
| 23-1443 | All programs | +7.0% | +7.0% | March 5, 2024 |
| 20-3267 | All programs | 0.0% | 0.0% | Oct. 3, 2023 |
| 22-2153 | All programs | +12.6% | +12.6% | March 6, 2023 |
Across California, CDI's list of filings closed from Jan. 2 to Sept. 30, 2026 includes 19 personal homeowners company filings approved with a non-zero overall change, all of them increases. This filing's 6.9% equals the median. It is tied with five other company filings at 6.9%; seven were approved higher and six lower. CDI lists a filing made for several companies once per company, and its homeowners line also includes renters, condominium, and rental dwelling programs.
As of Oct. 8, 2026, FiledRates has published four California filings; see the California page for all of them and for CDI's 2025 and 2026 figures.
What happens next
CDI's list shows this filing closed as approved on June 2, 2026, so the review is complete. California reviews homeowners rates under prior approval: under Proposition 103, the Insurance Commissioner must approve a rate before an insurer uses it. The date the approved rates take effect is in the filing on SERFF Filing Access. More on the process is on our California page.
Timeline
- CDI gives public notice of the filing, with a 6.9% requested increase.
- CDI closes the filing as approved at 6.9%.
Source documents
- Rate Filing Closed and Approved Filings, year to date through Sept. 30, 2026 (spreadsheet)
- Public notice of rate filings, Oct. 3, 2025 (spreadsheet)
- Rate Filing Closed and Approved Filings, 2025 (spreadsheet)
- Rate Filing Closed and Approved Filings, 2024 (spreadsheet)
- Rate Filing Closed and Approved Filings, 2023 (spreadsheet)