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Welcome to the California Department of Insurance
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Mission Statement
To protect the insurance consumer from excessive, inadequate and unfairly discriminatory property and casualty insurance rates.

The Rate Regulation Branch regulates the rates and rating plans of companies selling property and casualty insurance in California. In general, Rate Regulation's function is to carry out the prior approval provisions of Proposition 103 and to ensure that insurance companies comply with Section 1861.05 (a) of the California Insurance Code which states that rates may not be excessive, inadequate, or unfairly discriminatory. As such, the Branch reviews and approves rating plans and forms with a rate impact.

In addition, the Branch through the Rate Specialist Bureau, provides technical expertise in the rate filing process, Rollback calculations, and Workers' Compensation classification and rating issues; evaluates crucial financial and statistical data and generates detailed reports of the Insurance Industry for use by the branch and executive management.

Additional Information About the Division