| Carrier | Rate Change | Policyholders | Eff. Date | Filing # |
|---|---|---|---|---|
| Travelers | +3.0% | 228K | 12/29/25 | TRVD-G134680232 → |
| GEICO | +4.9% | 1.5M | 3/10/25 | GECC-134404337 → |
| Liberty Mutual | +5.0% | 142K | 4/29/26 | LBPM-134738048 → |
| 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 Travelers renewal in New York came in higher, here is the source: Travelers filed for a rate increase (SERFF TRVD-G134680232) and the New York Department of Financial Services approved +3.0%. These are approved filings from the public SERFF system — not estimates — and each links to its filing.
Travelers took a third of what it asked for — more may follow
Filings separate the indicated change (what Travelers’ actuaries said the loss data justified) from the approved change. Travelers indicated +8.6% and took +3.0% — leaving more than five points of its own indicated need unfilled. Carriers refile to close a gap like that, so a New York Travelers customer should expect continued upward pressure, and it’s a reason to lock in a better price now rather than after the next filing.
Your +3% isn’t the average for everyone
A statewide +3.0% is blended; Travelers reprices individually on your ZIP, vehicle, age, claims and coverage, so your actual change may be higher or lower. The headline can’t tell you whether you’re on a competitive price — only a comparison for your profile can.
The one stat that matters: Travelers indicated +8.6% in New York but took only +3% — the unfilled gap tends to return, while State Farm, USAA and Allstate held flat. Compare every carrier for your exact ZIP →
Meanwhile, New York’s biggest insurers held flat
Not everyone raised. While Travelers, GEICO (+4.9%) and Liberty Mutual (+5.0%) moved up, State Farm, USAA and Allstate all filed New York rates flat at 0%. A carrier that held flat while Travelers raised you may now be cheaper for the same coverage.
What to do with your renewal
Approved changes apply at renewal, not mid-term, and usually reach new customers first. Your renewal shows Travelers’ 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 is free and takes a couple of minutes — and with Travelers’ indicated need still unfilled, it’s worth doing before you renew.