Commercial auto rate filings in California (2026)
Every carrier writing commercial auto coverage in California files its rates and rating rules with the state's insurance regulator — the primary-source records behind every commercial auto quote in California. This page tracks the 172 active commercial auto filing(s) on record for California, filed by 25 distinct carrier(s).
Commercial auto rate filings in California are reviewed by the California Department of Insurance. The governing authority is California Insurance Code §1631 et seq. (licensing) · Labor Code §3700 (WC mandatory). You can confirm any California carrier or agent is licensed with the state's license-lookup tool. A commercial auto premium in California is built from each carrier's filed base rates and rating rules applied to your business's exposure — the classification of your operation and the rating basis for this line. Because every carrier files its own rates and loadings, two California businesses with the same profile can be quoted very different commercial auto premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with commercial auto filings on record in California include ARCH INSURANCE COMPANY, HARTFORD ACCIDENT AND INDEMNITY COMPANY, MARKEL AMERICAN INSURANCE COMPANY, PROGRESSIVE EXPRESS INSURANCE COMPANY, FIRST LIBERTY INSURANCE CORPORATION (THE), NATIONWIDE AGRIBUSINESS INSURANCE COMPANY, NATIONWIDE GENERAL INSURANCE COMPANY, NATIONAL FIRE INSURANCE COMPANY OF HARTFORD, TRAVELERS INDEMNITY COMPANY OF CONNECTICUT (THE), AMERICAN FAMILY HOME INSURANCE COMPANY, CLEAR BLUE INSURANCE COMPANY, NATIONWIDE MUTUAL INSURANCE COMPANY, and 13 more. Disclosed rate changes among these filings range from -1.9% to 70.4%. The most-recent commercial auto filing we track for California is effective July 2026. Every row below cites its filing reference so the California regulator record can be verified.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| Comm Auto | CA | filing on record (magnitude not publicly disclosed) | Jul 17, 2026 | AICO-135013945 |
| Comm Auto | CA | filing on record (magnitude not publicly disclosed) | Jul 10, 2026 | HART-134994992 |
| Comm Auto | CA | filing on record (magnitude not publicly disclosed) | Jul 10, 2026 | MRKB-135004462 |
| Comm Auto | CA | 8.2% overall rate change (filed) | Jul 10, 2026 | PRGS-134977597 |
| Comm Auto | CA | filing on record (magnitude not publicly disclosed) | Jun 5, 2026 | LWCM-134956329 |
| Comm Auto | CA | 8.1% overall rate change (filed) | Apr 17, 2026 | PRGS-134870049 |
| Comm Auto | CA | filing on record (magnitude not publicly disclosed) | Apr 10, 2026 | LWCM-134890615 |
| Comm Auto | CA | 13.5% overall rate change (filed) | Apr 10, 2026 | NWPP-G134887359 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
ARCH INSURANCE COMPANY filed AICO-135013945 effective July 2026 (active). HARTFORD ACCIDENT AND INDEMNITY COMPANY filed HART-134994992 effective July 2026 (active). MARKEL AMERICAN INSURANCE COMPANY filed MRKB-135004462 effective July 2026 (active). PROGRESSIVE EXPRESS INSURANCE COMPANY filed PRGS-134977597 effective July 2026 (active). FIRST LIBERTY INSURANCE CORPORATION (THE) filed LWCM-134956329 effective June 2026 (active). PROGRESSIVE EXPRESS INSURANCE COMPANY filed PRGS-134870049 effective April 2026 (active). FIRST LIBERTY INSURANCE CORPORATION (THE) filed LWCM-134890615 effective April 2026 (active). NATIONWIDE AGRIBUSINESS INSURANCE COMPANY filed NWPP-G134887359 effective April 2026 (active). FIRST LIBERTY INSURANCE CORPORATION (THE) filed LWCM-134853327 effective March 2026 (active). NATIONWIDE AGRIBUSINESS INSURANCE COMPANY filed NWPP-G134809939 effective March 2026 (active). FIRST LIBERTY INSURANCE CORPORATION (THE) filed LWCM-134871488 effective March 2026 (active). NATIONWIDE AGRIBUSINESS INSURANCE COMPANY filed NWPP-G134842068 effective March 2026 (active). NATIONWIDE GENERAL INSURANCE COMPANY filed NWPP-G134846082 effective March 2026 (active). NATIONAL FIRE INSURANCE COMPANY OF HARTFORD filed CNAB-134812189 effective January 2026 (active). TRAVELERS INDEMNITY COMPANY OF CONNECTICUT (THE) filed TRVD-134777489 effective January 2026 (active). AMERICAN FAMILY HOME INSURANCE COMPANY filed AMLX-134742405 effective January 2026 (active). FIRST LIBERTY INSURANCE CORPORATION (THE) filed LWCM-134776832 effective December 2025 (active). AMERICAN FAMILY HOME INSURANCE COMPANY filed AMLX-134706160 effective December 2025 (active). CLEAR BLUE INSURANCE COMPANY filed MRTN-134661353 effective November 2025 (active). ARCH INSURANCE COMPANY filed AICO-G134730123 effective November 2025 (active). NATIONWIDE MUTUAL INSURANCE COMPANY filed NWPP-G134709429 effective October 2025 (active). AMERICAN FAMILY HOME INSURANCE COMPANY filed AMLX-134669220 effective September 2025 (active). PROGRESSIVE EXPRESS INSURANCE COMPANY filed PRGS-134404553 effective September 2025 (active). NATIONWIDE AGRIBUSINESS INSURANCE COMPANY filed NWPP-134636980 effective August 2025 (active). NATIONWIDE GENERAL INSURANCE COMPANY filed NWPP-134636959 effective August 2025 (active). TRAVELERS CASUALTY COMPANY OF CONNECTICUT filed TRVD-134558116 effective August 2025 (active). NATIONWIDE AGRIBUSINESS INSURANCE COMPANY filed NWPP-134612329 effective August 2025 (active). ARCH INSURANCE COMPANY filed AICO-G134567693 effective July 2025 (active). AMERICAN FAMILY HOME INSURANCE COMPANY filed AMLX-134590477 effective July 2025 (active). GEICO GENERAL INSURANCE COMPANY filed GECC-134582032 effective July 2025 (active).
Commercial auto covers the vehicles a California business owns, leases, or operates — liability for injuries and damage the vehicle causes, plus optional physical-damage coverage. It is rated on vehicle count, use, radius, and driver records.
Across California, commercial auto carriers earned about $5.8B in premiums at a 99.1% loss ratio and a -39.5% underwriting profit (NAIC 2023). That market-level result comes from the NAIC Report on Profitability by Line by State — a primary-source view of how commercial auto actually performs in California, beyond any single carrier's filing.
Key takeaways for California commercial auto
- California commercial auto rate filings are public, primary-source records — every figure here traces to a filing reference you can verify with the state regulator.
- Your actual California commercial auto premium depends on your classification, exposure basis, and each carrier's filed rates and loadings — the filings below are the starting point, not a single market price.
- Comparing quotes from multiple carriers is the only way to see how California commercial auto rates differ for your specific operation.
Get a real California commercial auto quote
These filings are the regulator-held record — your actual commercial auto premium depends on your classification, exposure basis, and each carrier's filed rates and loadings. Request a free California quote in under 90 seconds.
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Figures summarized here are drawn from public California Department of Insurance rate filings and, where shown, the NAIC Report on Profitability by Line by State — each traceable to its source. No proprietary rating-manual content is reproduced. See our full sourcing policy.