| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| American Family | +3.0% | 58K | 12/5/25 | AMFC-134711267 → |
| State Farm | −9.4% | 3.3M | 12/4/25 | SFMA-134704563 → |
| Travelers | −3.0% | 83K | 8/22/25 | TRVD-G134637362 → |
| Shelter | −2.8% | 38K | 12/6/25 | SHEL-134682271 → |
| Pekin | −2.0% | 31K | 9/5/25 | PKNS-134584404 → |
| Farmers | +0.1% | 70K | 5/31/26 | FARM-134940184 → |
If your American Family renewal in Illinois came in higher, this is the source: American Family filed for a rate increase (SERFF AMFC-134711267) and it was approved at +3.0% on about 57,697 policyholders, effective December 5, 2025. The figures below are approved filings pulled from the public SERFF system — not estimates — and every one links to its filing.
The +3.0% is an average. Your American Family change ranges +28.5% to −29.9%.
A statewide rate change is one blended number, but American Family did not move every driver by the same amount. Its own filing reports the spread: the largest increase in the book was about +28.5% and the largest decrease about −29.9%. So inside a “+3.0% average,” some American Family drivers in Illinois were raised far more than the headline and others were cut. Where you land depends on your ZIP, vehicle, age and driving record.
American Family asked for more than it got.
The filing shows an indicated need of +4.4% — the increase American Family’s own actuarial analysis said it required — against the +3.0% it actually took. That gap matters for what comes next: a carrier that took less than it indicated has an unclosed gap, and the remainder often arrives in a later filing rather than disappearing.
American Family cut Illinois rates before this increase.
The filing records a prior revision of −4.1%, so this +3.0% partly reverses an earlier cut — the two net to about −1.2% on the same book. Where you land depends on whether you were on the books for both.
Other Illinois insurers are cutting.
An increase is only worth acting on relative to the alternatives, and in Illinois the direction is not uniform: State Farm (−9.4%), Travelers (−3.0%), and Shelter (−2.8%) all filed decreases in the same period. An American Family increase alongside competitor cuts is the clearest signal there is that the market has moved and your renewal has not.
See every approved Illinois auto rate filing →