Insurance Rate Changes Tracker: Recent State DOI Filings

Rate filings are the truth-source for commercial insurance pricing. Carriers don't publish their rates on their websites; they file them with each state's DOI, where they become public records via SERFF Filing Access. This tracker is the human-readable, chronologically ordered view of the filings we've captured — every entry links to its primary-source filing you can verify directly, with the SERFF tracking number shown where the filing was made through SERFF. Source feed: System for Electronic Rate and Form Filing (SERFF), public-access portal at filingaccess.serff.com. Captured filings stored in the Fast Business Quote Rate Filing Index per RATE-FILING-DATA-LAYER methodology.

Rate direction by state

Each state's most-recent filed change in the feed below, shaded by direction — green = filed rates falling, red = rising, gray = flat, unshaded = no captured filing. Hover a tile for the change; every figure is SERFF-cited in the feed.

Recent rate filings (live feed)

Filings ordered by effective date, newest first. Each row links to its primary-source filing — click any filing link to verify against the state DOI or rating bureau directly.

Browse by state: see every active filing in your state on the rate filings by state directory, or jump straight to a state-specific page like /rates/tx, /rates/ca, or /rates/fl.

Developers + journalists: Fetch the same dataset as JSON: /api/v1/rate-filings.json — API docs — supports ?state=tx + ?line=workers-comp.

How we capture and verify filings

Every entry in the tracker passes the same primary-source verification workflow before publishing:

1. SERFF Filing Access lookup. A researcher pulls the filing PDF directly from the state DOI portal at filingaccess.serff.com, confirming the tracking number, carrier NAIC code, line of business, and proposed effective date.
2. PDF extraction. Base rates, class codes, LCMs (when present), and territory definitions are extracted from the filing PDF — typically the A-Sheets (rate tables) plus the actuarial memorandum. We work from the actual filed document, not summaries.
3. Rate Filing Index entry. Verified data is written to the FBQ Rate Filing Index (database) with SERFF tracking #, FilingAccessUrl back to the primary source, captured-at timestamp, and captured-by attribution.
4. Public surface. Entries appear in this tracker ordered by effective date. Each row links back to the source filing so any reader can independently verify the underlying document.

Filings reach "superseded" status when a newer filing for the same Carrier × State × Line × Class is captured. The tracker surfaces live + recently-effective filings; superseded entries fall out of the default view. See our methodology page for the full sourcing standards.

How to read an entry (and verify it yourself)

Each row in the feed surfaces six fields. Here's what each means and how to verify it against the primary source:

• Effective — the month / year the filed rate takes effect for new and renewal policies in that state. Set by the carrier or rating bureau and approved (or modified) by the state DOI.
• Carrier — the filing entity. For bureau filings this is NCCI or ISO; for individual carrier rate manuals it's the specific carrier (e.g. "Hartford Casualty Insurance Co"). Each carrier has a NAIC code (4-5 digits) attached to the filing.
• State — two-letter state code where the filing is approved + in force. Rate filings are state-by-state; the same carrier can file very different rates across states.
• Line — the line of business (workers compensation, commercial auto, general liability, etc.). State DOIs categorize filings under standard line-of-business codes.
• Class — the rating-bureau class code for which this rate applies. For workers comp, NCCI class codes (e.g. 5645 = Carpentry residential); for GL, ISO class codes; for commercial auto, vehicle / use combinations.
• Base rate — the filed rate per unit of exposure. Workers comp = $X per $100 payroll; GL = $X per $1,000 sales (most classes); commercial auto = $X per vehicle-year. This is the starting point — your actual premium adds the carrier's filed LCM, schedule rating, experience mod, and any state-specific factors.
• Filing reference — the SERFF tracking number where the filing was made through SERFF, or the state DOI / rating-bureau filing reference otherwise. Click through to verify the entry against the primary-source PDF.

For the full mechanics of how filed rates flow into your actual premium, see our explainer: How Insurance Rates Are Set: Loss Costs, LCMs, Premiums.