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CA Department of Insurance

Rate Filings

New California Department of Insurance Prior Approval Rate Filing Requirements

Effective September 1, 2015, the California Department of Insurance ("the Department") is adopting new versions of the Prior Approval Rate Application and Prior Approval Rate Template, and introducing a new Standard Exhibits Template.  Use of the new application and templates is mandatory for any filing submitted on January 1, 2016 and thereafter.  The previous application and templates may be used for submissions made before that date. Click on the link below for more information:

The New Prior Approval Rate Application Process - A Tutorial - 03-01-17

Prior Approval Rate Application Process FAQs 04-11-17

Notice Regarding Property & Casualty Rate Application Filing Requirements

Electronic Filing Through SERFF Required as of January 1, 2015

Effective January 1, 2015, the California Department of Insurance (CDI) will require that all Property & Casualty Rate Applications be submitted electronically through the National Association of Insurance Commissioners (NAIC) System for Electronic Rate and Form Filing (SERFF)

As of January 1, 2015, CDI will no longer accept Property & Casualty Rate Applications submitted on paper or compact disc (CD).

For information about becoming licensed with SERFF, please contact the NAIC's SERFF Team at (816) 783-8787 or, or refer to

Prior Approval Rate Filing Information 

  • Prior Approval Rate Filing Instructions
  • Prior Approval Rate Filing Application
  • Prior Approval Factors
  • Prior Approval Template

Class Plan

Class Plan Application 04/15/11

Class Plan Application Instructions 04/15/11

Proxy Weighting Calculation

Mileage and/or Years Licensed & Allowable Optional Rating Factor Form

2008 Bands Manual Second Edition (Updated with data through 2011)

2008 Frequency and Severity Bands Manual Second Edition Data

Prior Approval Factors

  • Prior Approval Regulation - RH05042749
  • Prior Approval Factors calculated using data end 2006
  • Prior Approval Factors calculated using data end 2005
  • Maximum Permitted Rate of Return & Yields for Investment Income Calculation

Pay-Drive (Usage Based Auto Insurance) File No. REG-2008-00020

Pay Drive Advisory Notice 

Sequential Analysis Guidelines

10,000 Vehicle Data

Rate Regulation Division

Rate Filing Lists

  • Public Notices of Rate Filings
  • Rate Filing Approvals
  • Title Insurance Filings
  • Workers' Compensation Rate Filings

Rate Filing Applications
Links to the various Rate Filing Applications and links to instructions on how to file rates.

Insurance Company Rate Filing Search
This link provides Web Access to Rate and Form Filings (WARFF) made to the Rate Regulation Branch.  The system contains filings that have been submitted in a non-electronic format from 1998 to the present.  As of July 29, 2009, filings made via SERFF (System for Electronic Rate and Form Filings) will also be available via this system.  To retrieve a document, please complete the search and click on the File Number.

Filings made by Advisory Organization are available to the public but can only be viewed at one of our Public Viewing Room in San Francisco and Los Angeles.

NOTE:  Filings submitted prior to the year 2000 do not exist in WARFF, however some of these older filings may still exist in state archives. Retrieval of these filings from archives may take as long as 90 days. 

To view the document you may need to download the Adobe Acrobat from the Free Document Readers  page and Flash.

Public Viewing Room Numbers: (Filings may still be viewed in our Public Viewing Room)

Northern California:  (415) 538-4300
Southern California:  (213) 346-6707

SERFF Filings - Please refer to the NAIC/SERFF website for filing information.  CDI will accept the Workers' Compensation SERFF application for filings received on or after May 27, 2002.

Notice (11/8/02): Recent Changes in the Law Affect Insurers Writing Automobile Liability Insurance in California

Bulletin 2002-9: Terrorism Risk Insurance Act of 2002 
Filing procedures for compliance with provisions of the Terrorism Risk Insurance Act of 2002. View the Instructions regarding Terrorism FilingsUpdate of TRIA 2008.

Workers' Compensation Rate Filing Notice
Legislative Changes Affecting California Workers' Compensation Rate Filings and Adoption of Pure Premium Rates, Effective January 1, 2004

CDI Review Standard Checklists
The checklists are part of the NAIC's implementation of speed to market plan developed in response to GLBA. These checklists will respond to the recommendation that each state create review standards checklists to provide clear guidance to insurers regarding state requirements and review standards that are applied during the file review.

Rate Filing Review Process
The timelines followed by the Rate Regulation Division in reviewing rate filing applications from insurance companies. The review process has been greatly affected by the passage of Proposition 103.


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