Insurance Intelligence · Tuesday, May 26, 2026
The canonical citation for US insurance rate filings.
Every state DOI rate filing, structured and source-linked. Filing IDs, effective dates, and per-record provenance on every figure. Built for journalists, Wikipedia editors, and analysts who need to cite a primary source rather than republish a third-party snapshot.
Today's brief
Insurance Rate Filings — May 23, 2026 — Rate Authority Daily Brief
164 new insurance rate filings logged on May 23, 2026. Daily filings ticker from Rate Authority.
State rate environment · Q1 2026
Quarter-over-quarter rate-change averages from the NAIC connector's fully-aggregated states. Florida decelerating; South Carolina and Maine accelerating; Georgia trending up within range.
Crisis trackers
Daily filings paired with editorial context on the structural dynamics shaping each state-specific insurance crisis.
framework
California Wildfire Insurance Tracker (2026)
California home insurance crisis tracker — non-renewal filings, AB-2901 fallout, FAIR Plan growth, and per-carrier rate filings. Updated daily.
Open tracker →
framework
Florida Insurance Market Tracker (2026)
Florida home + auto insurance market analysis — public carrier disclosures from SEC EDGAR, NAIC published market data, and the post-SB-2A regulatory landscape. Verified public-source coverage; not a comprehensive filings ledger.
Open tracker →
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Texas Auto Insurance Reform Tracker (2026)
Texas auto insurance reform tracker — HB-19 fallout, carrier filings, and the frequency-severity divergence post-reform. Updated daily.
Open tracker →
State guides · all 50 states
Every state × product page tracks the latest carrier filings via the Rate Authority ledger. Featured states surface first; full coverage via the state guides index.
Niche pillars
Profile-, product-, and state-specific guides backed by the methodology layer. Full niche guides index.
Methodology · Indicators · Comparisons
Methodology
- Rate Authority — data sourcing and ledger architecture Three sources · per-record provenance
- Conviction-tier framework Eight-gate validation · four tiers
- Verdict Engine Decision-recommendation gating
- Carrier comparison methodology Five-axis evaluation rubric
Recent indicators
- California Wildfire Hotspots: 62 Active Detections on 2026-05-26, Above the 50-Hotspot Noteworthy-Day Threshold catastrophe
- Florida Wildfire Hotspots Hit 44 in 24 Hours (2026-05-26) — Above the 30-Hotspot Noteworthy-Day Threshold catastrophe
- New Mexico Wildfire Hotspots: 151 Detected in 24 Hours (2026-05-26) — 6× the Noteworthy-Day Threshold catastrophe
- Texas Wildfire Hotspots: 327 Detected in 24 Hours (2026-05-26) — 6× the Noteworthy-Day Threshold catastrophe
- Florida 2026-W22: 3 Concurrent Signals — Wildfire Hotspots Breach Threshold, Citizens Files +14.2% framework
- Rate Authority 2026 Auto Insurance Cost Study: 50-State Median Premiums by Driver Profile framework
Comparison audits
- Allstate vs GEICO Auto Insurance: Cost, Coverage, and Claims (2026)
- Allstate vs Progressive Auto Insurance: Cost, Coverage, and Claims (2026)
- Erie vs State Farm Auto Insurance: Cost, Coverage, and Claims (2026)
- Farmers vs Allstate Home Insurance: Cost, Coverage, and Claims (2026)
- Farmers vs State Farm Auto Insurance: Cost, Coverage, and Claims (2026)
- Geico vs Progressive Auto Insurance 2026