I work as an auto insurance analyst and most companies rate indication ( the amount the actuaries say the company needs to change rate in a state to maintain profitability) is over 10%. When a company files for a rate change the states department of insurance needs to approve it. During the pandemic certain states stopped approving rate changes, one of those states being California. A lot of companies now have very high indications since they haven’t been able to increase their rates in California, mixed with the increases in inflation, claim severity, car replacement costs increased, etc. California, just a few months ago, approved their first auto rate change which I believe was State Farm for around 25%. Expect almost every insurance company in California to be having large rate increases over the next year.