FiledRates

California homeowners insurance rate filings

Updated

FiledRates tracks six California homeowners rate filings, all decided by the California Department of Insurance (CDI). Three were approved below the insurer's request and three as requested. California regulates homeowners rates under prior approval: the Insurance Commissioner must approve a rate before an insurer uses it.

California homeowners filings reported by FiledRates (6 filings). Outline bars show the request; solid bars show the approved change, on a scale from a 60% decrease to a 60% increase.
FilingRequestedApprovedChangeStatusDecided
Cincinnati Insurance, homeowner+35.0%+35.0%Approved as filedMarch 10, 2026
State Farm General, HO-3+30.0%+17.0%Approved with changes, final orderJuly 23, 2026
California Automobile Insurance Company, all programs+6.9%+6.9%Approved as filedJune 2, 2026
Integon National, OneChoice+11.8%+4.0%Approved with changesJune 4, 2026
Farmers Insurance Exchange, homeowners+7.0%+1.5%Approved with changesMay 11, 2026
CSAA Insurance Exchange, HO-3+7.0%+7.0%Approved as filedDec. 18, 2025

Decision dates for the five filings without an order are the dates CDI closed them as approved. CSAA's figures are 6.99% in CDI's list, shown to one decimal.

California homeowners rate decisions in 2025 and 2026

CDI publishes a list of every rate filing it closes, with the requested and approved change. The table below counts filings in the personal homeowners multi-peril line whose filing type includes a rate change. CDI lists a filing made for several companies once per company, and this line also includes renters, condominium, rental dwelling, and manufactured home programs.

CDI homeowners rate filings closed in 2025 and from Jan. 2 to Sept. 30, 2026, counted by company
Measure20252026 to Sept. 30
Rate filings closed5128
Approved3626
Closed without approval152
Approved with a non-zero change3119
Of those, increases3119
Of those, approved below the request149
Median requested change+17.4%+7.0%
Median approved change+16.0%+6.9%
Largest approved increase+37.2% (Grange Insurance Association)+35.0% (Cincinnati Insurance Company)

Medians are for filings approved with a non-zero change. No homeowners rate filing in either list was approved as a decrease.

Source: CDI Rate Filing Closed and Approved Filings, 2025 and year to date through Sept. 30, 2026, personal lines, homeowners multi-peril, filing types that include a rate. Computed by FiledRates on Oct. 8, 2026.

How California reviews homeowners rates

California uses prior approval. Under Proposition 103, the Insurance Commissioner must approve a homeowners rate before an insurer uses it. After a filing is publicly noticed, the department has 60 days to approve it or issue a notice of hearing; if it does neither, the filing is deemed approved.

Any member of the public can request a hearing within 45 days after a filing is publicly noticed. If a personal lines rate change exceeds 7%, the Commissioner may be required to hold a hearing on a timely consumer request. Intervenors who take part in rate proceedings can recover their costs from insurers.

Insurers with California filings on FiledRates

How to look up California filings yourself

CDI posts public notices of rate filings every Friday, listing each new filing's company, program, and requested change. Its closed and approved filings lists give the requested and approved change, outcome, and closing date for each year since 2019. Full filings are on SERFF Filing Access, linked from CDI's rate filing viewing room.

Sources: CDI rate filing review process; CDI Bulletin 2024-14; CDI intervenor program. See also all tracked states.