California renters insurance: no new filings in 30 days, $15/mo NAIC baseline holds

Updated May 21, 2026 — PolicyChat refreshes this page when new state DOI filings post.

No new California renters insurance rate filings have been recorded in the past 30 days. The 2023 NAIC published baseline ($15/mo) remains the most recent state-aggregate reference; current carrier rates typically run 10-25% above.

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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.

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/

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