Auto rates are rising more slowly in 2026 (~3% avg) than 2025's ~18% spike; many carriers are now FILING DECREASES after lower 2024-25 claim losses. (Insurify 2026 Auto Insurance Report.) After the 2023–24 shock, many carriers are now filing decreases — and BoringRate reads those filings one by one, straight from state insurance regulators.

The clearest signal came from the largest auto insurer. State Farm is returning a record $5 billion to auto customers in summer 2026 — about $100 per vehicle across 49M+ vehicles, the largest dividend in its 104-year history. (State Farm newsroom.) Beyond the dividend, State Farm has cut auto rates in about 40 states — averaging roughly 10% — for about $4.6 billion in annual savings, citing fewer and less-expensive claims. (State Farm rate reductions.)

But the picture is not uniform. In the same market where national carriers cut, small regional and agent-driven carriers are still filing double-digit increases — and home insurance is moving the opposite way from auto. Below is what the filings show right now.

What we track. Approved, filed statewide-average rate changes for auto and homeowners insurance across 10 states — 190 carrier filings from 56 carriers so far, and growing. Sources are the SERFF Filing Access system (cited by tracking number), Texas TDI open data (data.texas.gov), and the California CDI filings list. Figures are statewide averages; individual rates vary by risk. Not quotes.

Who is cutting auto rates

The carriers most drivers actually buy — State Farm, GEICO, Progressive, Travelers — are broadly cutting auto rates in 2026, after two years of lower claim severity. The largest decreases we have logged:

Who is still raising auto rates

Increases are concentrated in smaller regional and agent-distributed carriers, and in a handful of high-loss states.

Home insurance is moving the other way

While auto softens, homeowners filings are the opposite story — driven by reinsurance cost and catastrophe losses. Only Texas and California publish home filings as open data so far; both are raising broadly, with a few outliers cutting.

The full dataset — free to browse and cite. Every filing above in one interactive table: filter by product, state, or direction, search any carrier, and sort by rate change, effective date, or national market share — each row linked to its primary source.

→ All 2026 rate filings (auto + home)  ·  Auto rate-change tracker, by state  ·  Home rate-change tracker, by state

How we source this

Every number is a filed or approved statewide-average rate change taken from a primary regulatory record — a carrier’s rate filing with a state Department of Insurance, identified by its SERFF tracking number. We do not estimate or model the figures on this page; we read them off the filings. Where a state publishes filings as open data (Texas, California), we pull the record directly; elsewhere we retrieve the individual SERFF jacket and read the “Company Rate Information” overall-impact line. Full method: our methodology.

Using this in a story? You are welcome to. Please cite as “BoringRate, 2026 rate-filing analysis, July 2026” and, where possible, link the underlying filing (each row on the roll-up carries its source). We can comment on auto and home rate trends, who is raising or cutting by state, and what the filings say — from the primary records, not press releases.

Contact: hello@boringrate.com

BoringRate is independent insurance research with no commissioned relationships with any carrier named here. Coverage spans 10 states and is expanding. Figures are statewide averages and are not quotes.