Public insurance rate-change record
California approved a +13.0% auto rate change for Essentia Insurance Company
Essentia Insurance Company asked to change rates by +29.1%. California approved +13.0%.
This is not your personal renewal price
The percentage is an average for policies covered by this request. Your bill may change by a different amount—or not at all—depending on your coverage, location, discounts, claims, and renewal date.
In plain English: The state approved +13.0% instead of the +29.1% Essentia Insurance Company requested—a difference of 16.1 percentage points.
What this means
California has allowed an average +13.0% change for the policies covered by this filing. Customers can still see different changes because insurers price each policy individually.
What happened, in order
July 10, 2025
A requested change of +29.1% was published.
Recorded from Approval and Closed List YTD 12/31/25
July 10, 2025
The department recorded an approved change of +13.0%.
Recorded from Approval and Closed List YTD 12/31/25
See filing dates and official identifiers
- California record number
- 24-737
- Industry filing ID (SERFF)
- ESSN-134058320
- Status
- Approved
- Insurance category in the state record
- AUTO LIAB/PHYS DAMAGE
- Policy group or program
- CLASSIC AUTOMOBILE PROGRAM
- Type of request
- RATE AND VARIANCE
- First published
- April 19, 2024
- Decision or closing date
- July 10, 2025
Check the official source records
Every displayed value is tied to a file published by California Department of Insurance. This section is for readers who want to verify the original record.
Where these numbers came from
| Value | As published | How it was read | Retrieved |
|---|---|---|---|
| Approved change | 13 | read directly from a spreadsheet cell | August 9, 2026 |
| Closed date | 2025-07-10 | read directly from a spreadsheet cell | August 9, 2026 |
| Company name | ESSENTIA INSURANCE COMPANY | read directly from a spreadsheet cell | August 9, 2026 |
| Filing type | RATE AND VARIANCE | read directly from a spreadsheet cell | August 9, 2026 |
| NAIC group | 785 | read directly from a spreadsheet cell | August 9, 2026 |
| Line description | AUTO LIAB/PHYS DAMAGE | read directly from a spreadsheet cell | August 9, 2026 |
| Line type | PERSONAL | read directly from a spreadsheet cell | August 9, 2026 |
| NAIC company code | 37915 | read directly from a spreadsheet cell | August 9, 2026 |
| Public notice date | 2024-04-19 | taken from the date the notice was published | August 9, 2026 |
| Program | CLASSIC AUTOMOBILE PROGRAM | read directly from a spreadsheet cell | August 9, 2026 |
| Requested change | 29.1 | read directly from a spreadsheet cell | August 9, 2026 |
| Status | APPROVED | read directly from a spreadsheet cell | August 9, 2026 |
| Variance | 2A, 2C | read directly from a spreadsheet cell | August 9, 2026 |
Source files
- Approval and Closed List YTD 12/31/25
Retrieved August 9, 2026 · sha256 0e7f7c9be04219f9
- April 19, 2024, Rate Filings
Retrieved August 9, 2026 · sha256 78237f2e50624bd9