Filed Car-Insurance Rate Changes (2022–2026)
Updated
When a carrier changes its auto rates, it has to file the change with the state's insurance regulator first. We read those filings. Below are the actual overall rate changes carriers filed since 2022 — the real numbers, not a forecast — each linked to its SERFF filing so you can verify it yourself.
| Carrier | State | Overall rate change | Effective | Filing |
|---|---|---|---|---|
| American Family | GA | +7.5% | Oct 1, 2026 | PRCA-134928738 ↗ |
| American Family | TX | Liability +15.0% / Physical damage −13.6% | Jun 15, 2026 | PRCA-134883893 ↗ |
| GEICO | CO | −4.9%New product launch; −4.9% / −4.7% across the two GEICO entities. | Apr 24, 2026 | GECC-134903984 ↗ |
| Elephant | IN | 0.0% (indicated −5.6%)Indicated −5.6% but selected 0.0% ("Neutral"). | Apr 13, 2026 | EINS-134817708 ↗ |
| GEICO | TN | −5.0% | Apr 9, 2026 | GECC-134888920 ↗ |
| USAA | GA | 0.0%Revenue-neutral; added new Comp/Coll deductible options. | Apr 3, 2026 | USAA-134740517 ↗ |
| Branch | TX | −15.0% | Mar 27, 2026 | BRFI-134880802 ↗ |
| Branch | MD | −30.0% | Mar 20, 2026 | BRFI-134878874 ↗ |
| Branch | MT | +12.7% | Mar 9, 2026 | BRFI-134854615 ↗ |
| Branch | WI | −15.0% | Feb 13, 2026 | BRFI-134821316 ↗ |
| Progressive | TX | −3.0%−3.0% new business / −2.5% renewal (filing 202503D). | Feb 6, 2026 | PRGS-134818917 ↗ |
| Direct General | MS | −6.02% | Dec 11, 2025 | GMMX-134730587 ↗ |
| Branch | IN | −19.0% | Dec 10, 2025 | BRFI-134803384 ↗ |
| Branch | IL | −15.0% | Dec 10, 2025 | BRFI-134759959 ↗ |
| State Farm | IL | −9.4% | Dec 4, 2025 | SFMA-134704563 ↗ |
| American Family | AZ | +3.0%Closed book, 18,013 AZ in-force policies. | Sep 15, 2025 | PRCA-134579561 ↗ |
| Kemper | AZ | +2.0% | Jun 19, 2025 | NFNT-134536550 ↗ |
| Clearcover | MS | +9.9%Base-rate change. | May 1, 2025 | CLEA-134290050 ↗ |
| Clearcover | PA | +4.7% | Mar 25, 2025 | CLEA-134320507 ↗ |
| Branch | AZ | +5.7% | Mar 17, 2025 | BRFI-134449022 ↗ |
| Branch | AR | +9.9% | Mar 7, 2025 | BRFI-134416938 ↗ |
| Clearcover | WV | +14.3% | Dec 1, 2024 | CLEA-134251496 ↗ |
| Clearcover | WI | +24.0%Combined rate impact. | May 24, 2024 | CLEA-134069508 ↗ |
| The General | MO | +14.7% | Nov 23, 2022 | PGAC-133433802 ↗ |
| Lemonade | OR | +19.7% | Jul 7, 2022 | METR-133271549 ↗ |
How we know these are real
Every figure above is the overall rate-level change the carrier stated in its own filing memo or rate exhibit, and it carries that filing's SERFF tracking number — the identifier the state regulator assigns. You can look any of them up at the state's SERFF Filing Access site. We don't estimate or forecast these; we read the filings. Rate changes vary by state, by company within a group, and by driver profile, so a filed "overall" change is the company-wide average — your own renewal can move more or less than the headline number.
This tracker grows as we digitize more of the roughly 4,900 filings in our corpus. It exists because no one else publishes it: the industry reports rate forecasts; we show the filings.
Cite this data
This dataset is free to cite and reference with attribution — journalists, researchers, and analysts are welcome to use it. Every row is a public regulatory filing you can independently verify by its SERFF number.
Suggested citation:
FastAutoQuote, “Filed Car-Insurance Rate Changes (2022–2026),” an analysis of 25 state auto-insurance rate filings via SERFF. https://fastautoquote.org/car-insurance-rate-changes
Machine-readable data: /api/v1/rate-changes.json (JSON, one object per filing with its SERFF tracking number and effective date). Media & data inquiries: press@fastautoquote.org.
Related study: How car insurers actually price driver age (filed curves).
Embed this chart
Publishers and bloggers: drop this on your page to show the live filed rate-change chart. It updates as we add filings, and it links back here. Free to use with attribution (the link is built in).
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title="Filed Car-Insurance Rate Changes — FastAutoQuote"></iframe>Prefer a single headline stat? Use
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What to do when your rate goes up
A filed increase is the single best moment to shop. Here's why: every carrier files its own change, and they don't move together — the company that just raised your rate is often no longer the cheapest for your profile, while another may have just cut theirs. A few steps that actually help:
- Compare before you renew, not after. Once the new term starts you're paying the higher rate; a quick comparison at renewal is where the savings are.
- Ask what changed. A filed "overall" number is an average — your specific increase depends on your ZIP, vehicle, and record. Sometimes a coverage or deductible tweak offsets it.
- Check discounts you've earned. Paid-in-full, homeowner, multi-car, telematics, and good-driver discounts are all filed factors — make sure yours are applied.
- Don't drop coverage to chase the number. Compare the same coverage across carriers; a cheaper price on thinner protection isn't a real saving.
The fastest way to see whether your carrier's increase is still competitive is to compare filed rates from several insurers for your exact profile — that's what our quote comparison does in about two minutes.
