| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| GEICO | +4.9% | 1.5M | 3/10/25 | GECC-134404337 → |
| Liberty Mutual | +5.0% | 142K | 4/29/26 | LBPM-134738048 → |
| Travelers | +3.0% | 228K | 12/29/25 | TRVD-G134680232 → |
| State Farm | 0.0% | — | 11/17/25 | SFMA-134399932 → |
| USAA | 0.0% | — | 12/18/25 | USAA-134556435 → |
| Allstate | 0.0% | 41K | 6/21/25 | ALSE-134438903 → |
If your GEICO renewal in New York came in higher, here is the source: GEICO filed for a rate increase (SERFF GECC-134404337) and the New York Department of Financial Services approved +4.9%. These are approved filings from the public SERFF system — not estimates — and each links to its filing.
GEICO took less than it asked for — which usually means more is coming
Filings separate the indicated change (what GEICO’s actuaries said the loss data justified) from the approved change (what the state allowed). GEICO indicated +8.1% and took +4.9% — leaving roughly three points of its own indicated need unfilled. Carriers typically return with a follow-up filing to close a gap like that, so a New York GEICO customer should expect continued upward pressure. That is a reason to lock in a better price now rather than after the next increase lands.
Your increase isn’t the average
A statewide +4.9% is a blended figure. GEICO reprices individually on your ZIP, vehicle, age, claims and coverage, so your actual change can be higher or lower than the headline. The only way to know whether your number is competitive is to compare carriers for your specific profile.
The one stat that matters: GEICO’s indicated need was +8.1% but it only took +4.9% — the gap tends to show up in a later filing. Compare every carrier for your exact ZIP →
Meanwhile, New York’s other big insurers held flat
Not everyone raised. While GEICO, Liberty Mutual (+5.0%) and Travelers (+3.0%) moved up, State Farm, USAA and Allstate all filed New York rates flat at 0%. A carrier that held flat while GEICO raised you may now be cheaper for the same coverage — and you won’t know unless you check.
What to do with your renewal
Approved changes apply at renewal, not mid-term, and usually reach new customers before existing ones. Your renewal shows GEICO’s price for your coverage; it does not tell you what State Farm, USAA or Allstate would charge for the same coverage today. Running your ZIP against every carrier takes a couple of minutes and costs nothing — and with GEICO’s indicated need still unfilled, it’s worth doing before you renew.