By fall 2024 the catch-up in California personal auto was no longer a rumor. RateWatch tracking of the largest writers showed about 16.2% in approved rate for 2024, on top of 12.6% in 2023. Combined, that is a 30% stack in two years in the country’s biggest auto market, against an 84% loss ratio in 2023.
Parts, shop labor, and medical on bodily-injury claims drove it. Proposition 103 still requires prior approval, which is why the increases arrived in waves instead of a quiet monthly creep. A household in Chula Vista with a commute on I-5 and no tickets still saw it.
Shop the renewal. Ask for the good-driver discount in writing. If you added a teen or a commuting miles change, say so before the carrier invents the mileage. We place personal auto with the same desk that already knows the commercial file.
If this is on your renewal, call the office at (619) 420-8600 or start a quote. We will tell you what the market will actually write.