Mercury files auto rate at $143/mo in California, effective 2026-01-15 (2026)
Mercury filed a new California auto rate baseline at $143/mo, effective 2026-01-15. The filing makes Mercury one of the cheapest among the 5 carriers tracked here.
Compare California auto quotes in 60 seconds →
What’s driving this
California is a prior-approval state under Proposition 103 (1988), which means every rate change above 7% requires a public hearing before the Department of Insurance and can be challenged by consumer groups.
All recent California auto carrier filings
| Carrier | Filed Rate | Effective | Source |
|---|---|---|---|
| Mercury | $143/mo | 2026-01-15 | State DOI |
| Geico | $157/mo | 2025-11-01 | State DOI |
| Progressive | $172/mo | 2025-12-01 | State DOI |
| State Farm | $190/mo | 2026-01-01 | State DOI |
| Allstate | $202/mo | 2025-12-15 | State DOI |
Other recent filings + market moves
- State Farm filed an 8.4% auto rate increase effective January 2026 (filing SFG-2025-AUTO-01).
- Commissioner Lara approved 22% State Farm home increase in May 2024 after threatened market exit.
Methodology: /methodology/rate-authority/
Get your specific quote with Sage →
Get your specific quote in 60 seconds with PolicyChat Sage —
Start Sage