Insurance Intelligence · Friday, June 12, 2026
The canonical citation for US insurance rate filings.
Every state DOI rate filing, structured and source-linked. Filing IDs, effective dates, and per-record provenance on every figure. Built for journalists, Wikipedia editors, and analysts who need to cite a primary source rather than republish a third-party snapshot.
Today's brief
Insurance Rate Filings — May 23, 2026 — PolicyChat Daily Brief
164 new insurance rate filings logged on May 23, 2026. Daily filings ticker from PolicyChat.
State rate environment · Q1 2026
Quarter-over-quarter rate-change averages from the NAIC connector's fully-aggregated states. Florida decelerating; South Carolina and Maine accelerating; Georgia trending up within range.
Crisis trackers
Daily filings paired with editorial context on the structural dynamics shaping each state-specific insurance crisis.
framework
California Wildfire Insurance Tracker (2026)
California home insurance crisis tracker — non-renewal filings, AB-2901 fallout, FAIR Plan growth, and per-carrier rate filings. Updated daily.
Open tracker →
framework
Florida Insurance Market Tracker (2026)
Florida home + auto insurance market analysis — public carrier disclosures from SEC EDGAR, NAIC published market data, and the post-SB-2A regulatory landscape. Verified public-source coverage; not a comprehensive filings ledger.
Open tracker →
framework
Texas Auto Insurance Reform Tracker (2026)
Texas auto insurance reform tracker — HB-19 fallout, carrier filings, and the frequency-severity divergence post-reform. Updated daily.
Open tracker →
State guides · all 50 states
Every state × product page tracks the latest carrier filings via the PolicyChat ledger. Featured states surface first; full coverage via the state guides index.
Niche pillars
Profile-, product-, and state-specific guides backed by the methodology layer. Full niche guides index.
Methodology · Indicators · Comparisons
Methodology
- PolicyChat — data sourcing and ledger architecture Three sources · per-record provenance
- Conviction-tier framework Eight-gate validation · four tiers
- Verdict Engine Decision-recommendation gating
- Carrier comparison methodology Five-axis evaluation rubric
Recent indicators
- Florida 2026-W22: 4 Concurrent Signals — Wildfire Hotspots at 2.9× Threshold and a 14.2% Citizens Filing framework
- Florida Wildfire Hotspots: 88 Detected in 24 Hours (2026-05-28) — 2.9× the Noteworthy-Day Threshold catastrophe
- Texas Wildfire Hotspots Hit 227 in 24 Hours (2026-05-28) — 4.5× the Noteworthy-Day Threshold catastrophe
- Florida 2026-W22: 4 Concurrent Signals — Active Wildfire Hotspots at 1.6× Threshold Alongside Citizens +14.2% Rate Filing framework
- Texas Wildfire Hotspots Hit 221 in 24 Hours (2026-05-27) — 4.4× the Noteworthy-Day Threshold catastrophe
- New Mexico Wildfire Hotspots: 40 Detected in 24h (2026-05-27) — 1.6× the Noteworthy-Day Threshold catastrophe
Comparison audits
- Allstate vs GEICO Auto Insurance: Cost, Coverage, and Claims (2026)
- Allstate vs Progressive Auto Insurance: Cost, Coverage, and Claims (2026)
- Erie vs State Farm Auto Insurance: Cost, Coverage, and Claims (2026)
- Farmers vs Allstate Home Insurance: Cost, Coverage, and Claims (2026)
- Farmers vs State Farm Auto Insurance: Cost, Coverage, and Claims (2026)
- Geico vs Progressive Auto Insurance 2026