Approved as filedClosed California
California approves 7.0% homeowners rate increase for CSAA Insurance Exchange
CSAA Insurance Exchange asked California regulators to raise rates on its HO-3 homeowners policies by about 7% on average. The California Department of Insurance (CDI) gave public notice of the filing on Sept. 26, 2025 and closed it as approved on Dec. 18, 2025. CDI's closed-filings list gives 6.99% as both the requested and the approved change.
By C. Zakarian, editor. Published
Approved as requested. CDI lists both figures as 6.99%, shown here to one decimal. Overall average increase; individual premiums vary.
Who it affects
The filing covers CSAA Insurance Exchange's HO-3 homeowners policies in California. CDI lists CSAA's renters (HO-4) and condominium (HO-6) programs under separate filings, which are not part of this report.
The approved change 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
CSAA Insurance Exchange's previous HO-3 rate filing in CDI's lists, file 23-2991, was approved at 6.9% as requested and closed May 10, 2024. A later HO-3 rate filing, 23-3470, was closed as approved on May 5, 2026 with no overall change. CSAA's renters and condominium filings in the same period were approved at 10.8% and 22.4%.
| CDI file | Program | Requested | Approved | Closed |
|---|---|---|---|---|
| 23-3470 | HO-3 | 0.0% | 0.0% | May 5, 2026 |
| 25-1987 (this filing) | HO-3 | +6.99% | +6.99% | Dec. 18, 2025 |
| 25-700 | HO-4 (renters) | +10.8% | +10.8% | Oct. 6, 2025 |
| 23-2991 | HO-3 | +6.9% | +6.9% | May 10, 2024 |
| 22-2366 | HO-6 (condominium) | +23.4% | +22.4% | Aug. 21, 2023 |
Across California, CDI's 2025 list of closed filings includes 31 personal homeowners company filings approved with a non-zero overall change. All 31 were increases, and the median approved change was 16.0%. This filing's 6.99% ranks 28th of the 31; three were smaller. 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 Dec. 18, 2025, 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 7% requested increase.
- CDI closes the filing as approved at 6.99%.
Source documents
- Rate Filing Closed and Approved Filings, 2025 (spreadsheet)
- Public notice of rate filings, Sept. 26, 2025 (spreadsheet)
- Rate Filing Closed and Approved Filings, year to date through Sept. 30, 2026 (spreadsheet)
- Rate Filing Closed and Approved Filings, 2024 (spreadsheet)
- Rate Filing Closed and Approved Filings, 2023 (spreadsheet)