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 217 active commercial auto filing(s) on record for California, filed by 39 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, AMERICAN ASSOCIATION OF INSURANCE SERVICES, BITCO GENERAL INSURANCE CORPORATION, and 27 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, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| Comm Auto | CA | filing on record (magnitude not publicly disclosed) | Jul 17, 2026 | SERFF #AICO-135013945 |
| Comm Auto | CA | filing on record (magnitude not publicly disclosed) | Jul 10, 2026 | SERFF #HART-134994992 |
| Comm Auto | CA | filing on record (magnitude not publicly disclosed) | Jul 10, 2026 | SERFF #MRKB-135004462 |
| Comm Auto | CA | 8.2% overall rate change (filed) | Jul 10, 2026 | SERFF #PRGS-134977597 |
| Comm Auto | CA | filing on record (magnitude not publicly disclosed) | Jun 5, 2026 | SERFF #LWCM-134956329 |
| Comm Auto | CA | 8.1% overall rate change (filed) | Apr 17, 2026 | SERFF #PRGS-134870049 |
| Comm Auto | CA | filing on record (magnitude not publicly disclosed) | Apr 10, 2026 | SERFF #LWCM-134890615 |
| Comm Auto | CA | 13.5% overall rate change (filed) | Apr 10, 2026 | SERFF #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.
California filing notices for commercial auto
California does not file through SERFF — it publishes its own public notices. In the CA DOI's public filing notices we count 3657 filings from 379 carriers for this line family — e.g. ACCD-133205295, ACCD-133477308, ACCD-134171153, ACCD-134425218, ACCD-134427352, ACCD-134427384 (identifiers verbatim from the notices).
Filing activity from the state's own public record — not a price or a rate.
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). AMERICAN ASSOCIATION OF INSURANCE SERVICES filed 26-1744 effective January 2026 (active). BITCO GENERAL INSURANCE CORPORATION filed 26-1637 effective January 2026 (active). INSURANCE SERVICES OFFICE, INC. filed 26-183 effective January 2026 (active). INSURANCE SERVICES OFFICE, INC. filed 26-688 effective January 2026 (active). MIDDLESEX INSURANCE COMPANY filed 26-43 effective January 2026 (active). NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA filed 26-1454 effective January 2026 (active). NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA filed 26-1148 effective January 2026 (active). OREGON MUTUAL INSURANCE COMPANY filed 26-509 effective January 2026 (active). STAR INSURANCE COMPANY filed 26-590 effective January 2026 (active). STAR INSURANCE COMPANY filed 26-603 effective January 2026 (active). STAR INSURANCE COMPANY filed 26-589 effective January 2026 (active). STAR INSURANCE COMPANY filed 26-629 effective January 2026 (active). STAR INSURANCE COMPANY filed 26-593 effective January 2026 (active). STAR INSURANCE COMPANY filed 26-628 effective January 2026 (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.
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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.