On February 1, 2026, coverage of a State Farm Mutual Automobile filing said the company wanted a 6.2% average decrease on California private-passenger auto, pointing to lighter physical-damage claims after a 17.7% increase in the independent California auto program. If approved, the cut would hit renewals in the first quarter.
That swing is the market after the 2023–2025 catch-up. Repair frequency cooled for some books. It did not cool evenly. Specialty and nonstandard writers were still talking about double-digit need. A State Farm decrease is not a Mercury decrease and it is not a Kemper decrease.
If you are with State Farm auto, ask whether the 6.2% actually landed on your policy. If you are not, use it as a reason to requote. California still lets you move at renewal without a penalty for shopping.
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.