On this page
Property and casualty rate, rule and form filings in California are reviewed by the California Department of Insurance. This page summarizes how filing works there from public sources: where to search filings that are already public, and the statutes, regulations and department guidance that set the rules, grouped by line of business. Every entry links to the official source.
At a glance
| Regulator | California Department of Insurance |
|---|---|
| Public filings | SERFF Filing Access (how to search) |
| Lines summarized | Personal auto, Property and dwelling fire, Workers' compensation, Commercial multi-peril, Surety, Fidelity, Burglary and theft |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in California, each linked to the official text.
- Cal. Ins. Code §1861.05 - Rate standards, complete application and deemerStatute
- CDI Prior Approval Rate Application Filing InstructionsDepartment guidance
- Cal. Ins. Code §1851(f) - Workers' compensation is outside the prior approval chapterWorkers' compensation · Statute
- Cal. Ins. Code §§11732 to 11737 - Open rating, the 30-day filing and disapprovalWorkers' compensation · Statute
How to search California's public rate and form filings
- The California Department of Insurance's Public Viewing Rooms page links to SERFF Filing Access for publicly available property and casualty rate, rule and form filings. Source
- After accepting the terms of service, choose Property & Casualty as the business type and search by type of insurance, company name or date range. Source
- Filings submitted on paper, from 1998 on, are in the department's Web Access to Rate and Form Filings (WARFF) system. Source
Start from the department's page: California Department of Insurance.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- Cal. Ins. Code §1861.05 - Rate standards, complete application and deemerStatute
- Cal. Ins. Code §1861.07 - Public inspection of eligibility guidelinesStatute
- 10 CCR §2644.27 - Variance requestsRegulation
- 10 CCR §§2641.1 to 2644.28 - The California ratemaking formulaRegulation
- 10 CCR §§2644.4.5, 2644.5 and 2648.5 - Model use and the PRID procedureRegulation
- CDI Prior Approval Rate Application Filing InstructionsDepartment guidance
Last reviewed
Personal auto
California sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- Cal. Ins. Code §1861.02 - Mandatory rating factors and the good driver discountStatute
- Cal. Ins. Code §§11580.1, 11580.2 and Cal. Veh. Code §16056 - Compulsory automobile coveragesStatute
- Cal. Ins. Code §§11628.3 and 11629.7 - Mature driver discount and the low cost programmeStatute
- Cal. Ins. Code §§1861.025 and 1861.16 - Good driver eligibility and the lowest rate dutyStatute
- Cal. Ins. Code §§1861.03(c) and 11628 - Automobile cancellation grounds and territorial ratingStatute
- 10 CCR §2632.5(c)(2)(F) - Verified actual mileage and usage based automobile insuranceRegulation
Last reviewed
Property and dwelling fire
California sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- Cal. Ins. Code §§2052 and 2054 - Named valuation and loss settlementStatute
- Cal. Ins. Code §§2070, 2071 and 2080 - California Standard Form Fire Insurance PolicyStatute
- Cal. Ins. Code §§675.5 and 676.6 - Commercial property cancellation and non-renewal scopeStatute
- CDI Bulletin 2025-11 - Negotiated rates, retrospective rating, LRARO and consent-to-rateBulletin
Last reviewed
Workers' compensation
California sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- Cal. Ins. Code §11658 - Policy and endorsement filing through the rating organizationStatute
- Cal. Ins. Code §11664 - Nonrenewal of a workers' compensation policyStatute
- Cal. Ins. Code §11750 et seq. - The Workers' Compensation Rating LawStatute
- Cal. Ins. Code §1851(f) - Workers' compensation is outside the prior approval chapterStatute
- Cal. Ins. Code §§11732 to 11737 - Open rating, the 30-day filing and disapprovalStatute
- Cal. Ins. Code §§11737(f), 11752.6, 11753.1 - Review, policyholder information and appealStatute
Last reviewed
Commercial multi-peril
California sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- Cal. Ins. Code § 1851 — Which coverage parts of a package Proposition 103 reachesStatute
- Cal. Ins. Code §§ 1861.05 and 1861.10 — The clock, the 15 percent commercial threshold and the intervenorStatute
- 10 CCR § 2644.9 — Mitigation in rating plans reaches commercial linesRegulation
- CDI Bulletin 2025-11 — No negotiated, retrospective, alternative or consent-to-rate arrangement for a large commercial riskBulletin
- CDI Prior Approval Rate Application Filing Instructions — the package Application carries both coveragesDepartment guidance
- CDI Prior Approval Rate Application Filing Instructions — the Portal exclusion and the loss cost multiplier calculationDepartment guidance
Last reviewed
Surety
California sources for surety filings (SERFF type of insurance 24.0 Surety).
- Cal. Ins. Code §1861.05Statute
- California Insurance Code section 1855.1Statute
- CDI Prior Approval Rate Application Filing InstructionsDepartment guidance
Last reviewed
Fidelity
California sources for fidelity filings (SERFF type of insurance 23.0 Fidelity).
- Cal. Ins. Code §1861.05Statute
- California Insurance Code section 1855.1Statute
- CDI Prior Approval Rate Application Filing InstructionsDepartment guidance
Last reviewed
Burglary and theft
California sources for burglary and theft filings (SERFF type of insurance 26.0 Burglary and Theft).
- Cal. Ins. Code §1861.05Statute
- California Insurance Code section 1855.1Statute
- CDI Prior Approval Rate Application Filing InstructionsDepartment guidance
Last reviewed
Not legal advice. This is a summary of public sources, last reviewed September 18, 2026. Requirements change and differ by line and filing: verify them with the California Department of Insurance before you file. All states