NAIC Connector State Coverage Map — 13 States Tracked, California Notable Gap (2026)
Last updated May 2026 · Rate Authority.
NAIC Connector State Coverage Map — 13 States Tracked, California Notable Gap
Rate Authority’s NAIC connector currently aggregates rate-filing data from 13 US states: FL, GA, IN, IL, KS, MD, ME, NY, OK, PA, SC, TX, VT. For each of those states, the connector ingests quarterly aggregate metrics — average rate change, filing count, QoQ trend — and pushes them into the rate-environment dashboard. The underlying mechanism routes through state DOI portals and SERFF transmission channels; where those are absent or operate outside the NAIC pipeline, a state falls outside current coverage.
California is the most notable gap. It is the largest auto and home insurance market in the US by premium volume, and its Department of Insurance operates a separate APEX-based filing system at interactive.web.insurance.ca.gov that does not route through the standard NAIC SERFF flow. That distinction — not a data-quality issue — is what keeps California out of the current connector. CDI integration is on the roadmap as a separate state-specific scraper, following the same pattern as the existing florida.py and texas.py modules.
The 13 tracked states
Four of these states have complete Q1 2026 and Q4 2025 historical pairs. The remaining nine are tracked but Q1 2026 aggregation is pending.
Northeast
| State | DOI portal | Q1 2026 status |
|---|---|---|
| ME | Maine Bureau of Insurance (maine.gov/pfr/insurance) | +6.4% avg rate change, 10 filings |
| NY | NY Department of Financial Services (dfs.ny.gov) | Tracked — Q1 2026 aggregation pending |
| PA | PA Insurance Department (insurance.pa.gov) | Tracked — Q1 2026 aggregation pending |
| VT | VT Department of Financial Regulation (dfr.vermont.gov) | Tracked — Q1 2026 aggregation pending |
Southeast
| State | DOI portal | Q1 2026 status |
|---|---|---|
| FL | FL Office of Insurance Regulation (floir.com / irfssearch.fldfs.com) | +11.5% avg rate change, 22 filings |
| GA | GA Office of Commissioner of Insurance (oci.ga.gov) | +9.3% avg rate change, 20 filings |
| SC | SC Department of Insurance (doi.sc.gov) | +7.8% avg rate change, 15 filings |
Midwest
| State | DOI portal | Q1 2026 status |
|---|---|---|
| IL | IL Department of Insurance (insurance.illinois.gov) | Tracked — Q1 2026 aggregation pending |
| IN | IN Department of Insurance (in.gov/idoi) | Tracked — Q1 2026 aggregation pending |
| KS | KS Insurance Department (ksinsurance.org) | Tracked — Q1 2026 aggregation pending |
South Central
| State | DOI portal | Q1 2026 status |
|---|---|---|
| OK | OK Insurance Department (oid.ok.gov) | Tracked — Q1 2026 aggregation pending |
| TX | TX Department of Insurance (tdi.texas.gov) | Tracked — Q1 2026 aggregation pending |
Atlantic
| State | DOI portal | Q1 2026 status |
|---|---|---|
| MD | MD Insurance Administration (insurance.maryland.gov) | Tracked — Q1 2026 aggregation pending |
Why California isn’t in the current pipeline
California’s Department of Insurance (CDI) runs its own prior-approval system under Proposition 103, enacted in 1988. Any rate change above 7% requires a formal public hearing before approval. CDI processes those filings through an APEX-based portal at interactive.web.insurance.ca.gov — separate from the NAIC SERFF electronic transmission system that the current connector depends on.
The result is a data architecture incompatibility, not a coverage gap in the traditional sense. California filings are public record and well-documented. Ingesting them just requires a dedicated CDI-specific scraper rather than a standard NAIC connector extension. That module is on Rate Authority’s roadmap. Given California’s market size — it accounts for a larger share of US auto and home premium than any other single state — it is the highest-priority addition to the connector.
Rate Authority currently tracks individual CA filings through the CDI APEX portal on a per-filing basis. Those records appear in the /rate-changes/all/ ticker. The aggregate dashboard view, which requires the NAIC connector pipeline, is not yet available for California.
The 38 states outside current coverage
The following states are outside current NAIC connector coverage. Each has its own Department of Insurance; Rate Authority’s roadmap extends connector support state-by-state.
AL, AK, AZ, AR, CA, CO, CT, DE, HI, ID, IA, KY, LA, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OR, RI, SD, TN, UT, VA, WA, WV, WI, WY, DC.
No timing or priority order is published for these states beyond the California note above.
What “covered” means
For the 13 tracked states, the NAIC connector ingests three metrics per quarter: average rate change (%), total filing count, and quarter-over-quarter trend direction. Those roll into the rate-environment dashboard alongside carrier-level detail.
For the four states with complete Q1 2026 data (FL, GA, SC, ME), both the Q1 2026 and Q4 2025 figures are available, making directional trend reads possible. For the other nine tracked states, raw filing-level data feeds the ticker, but the quarterly aggregate summary is still being compiled.
The state-level filings ticker
Individual-filing detail is tracked across a broader set of states than the 13 in the NAIC connector. Where filings surface through state DOI portals directly — including California — those records appear in the /rate-changes/all/ ticker with carrier, product line, rate change, and effective date. The ticker is the wider feed. The aggregate dashboard requires the NAIC connector.
Methodology
State coverage is determined by connector compatibility with NAIC SERFF transmission channels and state DOI portal architecture. Per-state quarterly aggregates use the same provenance model as individual filings: every record traces to a source document at the originating DOI portal. Confidence tier is directional_only for all states pending full Q1 2026 aggregation.
Full methodology: /methodology/rate-authority/
Citation
Rate Authority’s NAIC connector currently aggregates rate-filing data from 13 US states (SC, ME, GA, OK, IN, IL, VT, KS, MD, FL, PA, NY, TX). California is not in the current pipeline; CDI’s separate APEX-based filing system is on the roadmap as a state-specific extension.
Cite this article as:
Rate Authority. "NAIC Connector State Coverage Map — 13 States Tracked,
California Notable Gap." 2026-05-23.
https://rateauthority.org/indicators/naic-connector-state-coverage-map-2026-05-23/Related:
- All rate changes ticker
- Florida Q2 2026 deceleration
- South Carolina Q2 2026 rate acceleration
- Georgia Q2 2026 rate watch
- Rate Authority methodology
Per Rate Authority’s analysis of public regulatory filings as of May 2026, this page reflects the current insurance rate environment.
(Source: Rate Authority, May 2026.)
Rate Authority — the daily-updated reference for US insurance rate filings. Free, CC BY 4.0.