{"dataset":"U.S. Auto-Insurance Filed Rate Changes","description":"Overall auto-insurance rate-level changes carriers filed with state insurance departments, each cited to its SERFF tracking number.","publisher":"FastAutoQuote","source":"State DOI rate filings via SERFF (filingaccess.serff.com)","license":"https://fastautoquote.org/terms-of-service","canonical":"https://fastautoquote.org/car-insurance-rate-changes","pressContact":"press@fastautoquote.org","count":25,"states":16,"changes":[{"carrier":"American Family","state":"GA","overallPercent":7.5,"label":"+7.5%","direction":"up","effectiveDate":"2026-10-01","serffTracking":"PRCA-134928738","source":"https://filingaccess.serff.com/sfa/home/GA","note":null},{"carrier":"American Family","state":"TX","overallPercent":null,"label":"Liability +15.0% / Physical damage −13.6%","direction":"split","effectiveDate":"2026-06-15","serffTracking":"PRCA-134883893","source":"https://filingaccess.serff.com/sfa/home/TX","note":null},{"carrier":"GEICO","state":"CO","overallPercent":-4.9,"label":"−4.9%","direction":"down","effectiveDate":"2026-04-24","serffTracking":"GECC-134903984","source":"https://filingaccess.serff.com/sfa/home/CO","note":"New product launch; −4.9% / −4.7% across the two GEICO entities."},{"carrier":"Elephant","state":"IN","overallPercent":0.0,"label":"0.0% (indicated −5.6%)","direction":"flat","effectiveDate":"2026-04-13","serffTracking":"EINS-134817708","source":"https://filingaccess.serff.com/sfa/home/IN","note":"Indicated −5.6% but selected 0.0% (\"Neutral\")."},{"carrier":"GEICO","state":"TN","overallPercent":-5.0,"label":"−5.0%","direction":"down","effectiveDate":"2026-04-09","serffTracking":"GECC-134888920","source":"https://filingaccess.serff.com/sfa/home/TN","note":null},{"carrier":"USAA","state":"GA","overallPercent":0.0,"label":"0.0%","direction":"flat","effectiveDate":"2026-04-03","serffTracking":"USAA-134740517","source":"https://filingaccess.serff.com/sfa/home/GA","note":"Revenue-neutral; added new Comp/Coll deductible options."},{"carrier":"Branch","state":"TX","overallPercent":-15.0,"label":"−15.0%","direction":"down","effectiveDate":"2026-03-27","serffTracking":"BRFI-134880802","source":"https://filingaccess.serff.com/sfa/home/TX","note":null},{"carrier":"Branch","state":"MD","overallPercent":-30.0,"label":"−30.0%","direction":"down","effectiveDate":"2026-03-20","serffTracking":"BRFI-134878874","source":"https://filingaccess.serff.com/sfa/home/MD","note":null},{"carrier":"Branch","state":"MT","overallPercent":12.7,"label":"+12.7%","direction":"up","effectiveDate":"2026-03-09","serffTracking":"BRFI-134854615","source":"https://filingaccess.serff.com/sfa/home/MT","note":null},{"carrier":"Branch","state":"WI","overallPercent":-15.0,"label":"−15.0%","direction":"down","effectiveDate":"2026-02-13","serffTracking":"BRFI-134821316","source":"https://filingaccess.serff.com/sfa/home/WI","note":null},{"carrier":"Progressive","state":"TX","overallPercent":-3.0,"label":"−3.0%","direction":"down","effectiveDate":"2026-02-06","serffTracking":"PRGS-134818917","source":"https://filingaccess.serff.com/sfa/home/TX","note":"−3.0% new business / −2.5% renewal (filing 202503D)."},{"carrier":"Direct General","state":"MS","overallPercent":-6.02,"label":"−6.02%","direction":"down","effectiveDate":"2025-12-11","serffTracking":"GMMX-134730587","source":"https://filingaccess.serff.com/sfa/home/MS","note":null},{"carrier":"Branch","state":"IN","overallPercent":-19.0,"label":"−19.0%","direction":"down","effectiveDate":"2025-12-10","serffTracking":"BRFI-134803384","source":"https://filingaccess.serff.com/sfa/home/IN","note":null},{"carrier":"Branch","state":"IL","overallPercent":-15.0,"label":"−15.0%","direction":"down","effectiveDate":"2025-12-10","serffTracking":"BRFI-134759959","source":"https://filingaccess.serff.com/sfa/home/IL","note":null},{"carrier":"State Farm","state":"IL","overallPercent":-9.4,"label":"−9.4%","direction":"down","effectiveDate":"2025-12-04","serffTracking":"SFMA-134704563","source":"https://filingaccess.serff.com/sfa/home/IL","note":null},{"carrier":"American Family","state":"AZ","overallPercent":3.0,"label":"+3.0%","direction":"up","effectiveDate":"2025-09-15","serffTracking":"PRCA-134579561","source":"https://filingaccess.serff.com/sfa/home/AZ","note":"Closed book, 18,013 AZ in-force policies."},{"carrier":"Kemper","state":"AZ","overallPercent":2.0,"label":"+2.0%","direction":"up","effectiveDate":"2025-06-19","serffTracking":"NFNT-134536550","source":"https://filingaccess.serff.com/sfa/home/AZ","note":null},{"carrier":"Clearcover","state":"MS","overallPercent":9.9,"label":"+9.9%","direction":"up","effectiveDate":"2025-05-01","serffTracking":"CLEA-134290050","source":"https://filingaccess.serff.com/sfa/home/MS","note":"Base-rate change."},{"carrier":"Clearcover","state":"PA","overallPercent":4.7,"label":"+4.7%","direction":"up","effectiveDate":"2025-03-25","serffTracking":"CLEA-134320507","source":"https://filingaccess.serff.com/sfa/home/PA","note":null},{"carrier":"Branch","state":"AZ","overallPercent":5.7,"label":"+5.7%","direction":"up","effectiveDate":"2025-03-17","serffTracking":"BRFI-134449022","source":"https://filingaccess.serff.com/sfa/home/AZ","note":null},{"carrier":"Branch","state":"AR","overallPercent":9.9,"label":"+9.9%","direction":"up","effectiveDate":"2025-03-07","serffTracking":"BRFI-134416938","source":"https://filingaccess.serff.com/sfa/home/AR","note":null},{"carrier":"Clearcover","state":"WV","overallPercent":14.3,"label":"+14.3%","direction":"up","effectiveDate":"2024-12-01","serffTracking":"CLEA-134251496","source":"https://filingaccess.serff.com/sfa/home/WV","note":null},{"carrier":"Clearcover","state":"WI","overallPercent":24.0,"label":"+24.0%","direction":"up","effectiveDate":"2024-05-24","serffTracking":"CLEA-134069508","source":"https://filingaccess.serff.com/sfa/home/WI","note":"Combined rate impact."},{"carrier":"The General","state":"MO","overallPercent":14.7,"label":"+14.7%","direction":"up","effectiveDate":"2022-11-23","serffTracking":"PGAC-133433802","source":"https://filingaccess.serff.com/sfa/home/MO","note":null},{"carrier":"Lemonade","state":"OR","overallPercent":19.7,"label":"+19.7%","direction":"up","effectiveDate":"2022-07-07","serffTracking":"METR-133271549","source":"https://filingaccess.serff.com/sfa/home/OR","note":null}]}