The company asks
A company files a request covering a group of policies, such as homeowners or car insurance.
How it works
How to read an insurance rate change
Insurance companies publish requests to change rates. We turn those state records into a simple answer: what the company asked for, what the state approved, and what is still undecided.
The state reviews it
The state may approve the request, reduce it, deny it, or keep reviewing it.
Customers renew later
An approved change can affect future renewals, but each customer’s price is calculated separately.
Requested does not mean approved
If a company asks for a 20% increase, that does not mean customers will pay 20% more. The state may approve a smaller change, and the company may withdraw the request before a decision.
We always show the company’s request and the state’s decision separately. When no decision has been published, the page says so.
Your bill can be different
Filing percentages are averages across groups of policies. Your renewal can be higher, lower, or unchanged based on your location, property or vehicle, coverage, deductible, discounts, credit information where allowed, claims, and other details.
Why some dates look different
California’s weekly notice tells us when a request was published. Its monthly decision list tells us when a filing was closed. If California does not publish the original filing date, we do not invent one—the page clearly labels the date we have.
Why company names can be unfamiliar
Familiar insurance brands often own several licensed companies. Your policy may show a legal company name rather than the brand used in advertising. We show the company that filed the request and link it to the larger company group when we can verify the connection.
Where the numbers come from
Every number comes from a public file published by a state insurance regulator. We keep a copy of the source, record when it was retrieved, and link each value back to the official file.
We do not ask artificial intelligence to guess percentages or dates. If a value cannot be read or matched confidently, we leave it blank for human review.
Technical notes for researchers
Validation and source conflicts
Source files are archived and checked before any values are published. An unfamiliar spreadsheet layout, implausible row count, or missing required sheet stops that file from changing the public record.
The weekly California notice is authoritative for requested changes. The monthly closed list is authoritative for decisions and closing dates. Every observation is kept with its original text, source URL, and retrieval time, while the strongest observation supplies the value shown on the page.
Averages
Averages are unweighted means across records that publish the relevant percentage. A missing percentage is excluded rather than counted as zero. Rules-and-forms filings with no overall rate change are also excluded.
Corrections
Regulator corrections are added as new observations rather than erasing the original record. Corrections are listed publicly.
Current limitations
Coverage currently includes California. A company missing from this site may operate in states we do not track yet. These records describe company requests and state decisions, not the price charged to a particular household.
If a number here does not match the regulator’s file, the regulator is right. Email data@insurancehikes.com and we will investigate and log the correction.