California Auto Insurance Rate Increase: Integon Seeks 6.9%

Updated August 22, 2026

A California auto insurance rate increase request from Integon National Insurance Company is now in the state’s regulatory review process. A California Department of Insurance public notice dated August 21 lists a 6.9% overall rate change for Integon’s SUMMIT personal-auto program. The filing is not the same as an approved increase, and the public notice does not establish an effective date.

What the California auto insurance rate increase filing says

The California Department of Insurance public rate-filing page lists a new batch of filings dated August 21, 2026.

In the Department’s August 21 rate-filing report, File 26-1481 identifies Integon National Insurance Company, personal auto liability and physical damage, the SUMMIT program, filing type “Rate and Variance,” Variance 8F and an overall rate figure of 6.9%. The SERFF filing number is GMMX-135019770.

That record establishes that the request entered California’s public filing process. It does not establish that regulators have approved the requested rate.

Is the 6.9% increase approved?

No approval is established by the August 21 public notice.

California uses a prior-approval system for personal auto insurance. The Department’s official rate-filing review process explains that personal automobile filings are reviewed by its Rate Regulation Division.

Under Proposition 103, insurers generally cannot put these property-and-casualty rates into use until the Insurance Commissioner approves them. Regulators review whether proposed rates meet California standards and are not excessive, inadequate or unfairly discriminatory.

The requested 6.9% could therefore be approved, modified, withdrawn or rejected during the regulatory process. Fiscal Wire News found no approval or effective date in the August 21 public notice.

Who could be affected?

The filing is narrower than the phrase “California auto insurance increase” might suggest. It specifically names Integon National’s SUMMIT personal-auto program.

California’s official Integon National company profile shows that the insurer is licensed for automobile coverage and belongs to the Allstate Insurance Group. The Department’s auto-insurance consumer directory links Integon National to National General.

That relationship does not mean every National General or Allstate customer is included in this filing. The August 21 notice does not state how many policies would be affected.

Would every affected premium rise exactly 6.9%?

Not necessarily.

The 6.9% figure is the overall rate change shown in the regulatory filing notice. An overall filing percentage should not be treated as a guaranteed change to each individual driver’s premium.

Actual premiums can differ based on the approved rating plan and policy-specific factors. The filing also remains subject to regulatory review.

For scale only, 6.9% of a $1,500 annual premium is $103.50. That calculation is not a forecast of any customer’s bill. A particular policy could change by a different amount, remain unchanged, or never receive this proposed adjustment if the filing is altered or not approved.

What has changed — and what has not

What changed: Integon National now has a publicly listed 6.9% SUMMIT personal-auto rate filing in California’s August 21 notice.

What has not changed: The public filing itself does not automatically raise existing premiums. It does not establish that all California drivers, all Integon customers or all National General customers will pay 6.9% more.

There is also no consumer deadline created by this filing and no action required simply because the application has been published.

What California drivers should do now

1. Check the insurer named on your policy. Look at your declarations page rather than relying only on a marketing or agency brand name.
2. Watch your renewal documents. A renewal notice will show the premium actually being offered for your policy.
3. Compare like-for-like coverage. Do not compare premiums without checking liability limits, deductibles, collision, comprehensive and other coverage differences.
4. Do not cancel existing coverage before replacement coverage begins. A lapse can create financial and legal problems.
5. Keep your notices and quotes. Save renewal documents if you believe a rate or underwriting change has been applied incorrectly.

California drivers shopping for coverage can use the Department of Insurance’s 2026 insurance premium comparison resources. The Department notes that its survey results are comparison indicators, not individual quotes.

Where to get official help

If a California policyholder has a question about a rate or underwriting issue, the Department’s Rating and Underwriting Services Bureau handles consumer complaints in those areas.

Drivers can use the California Department of Insurance Consumer Complaint Center or call the state Consumer Hotline at 800-927-4357.

Bottom line

Integon National has filed for a 6.9% overall California rate change for its SUMMIT personal-auto program, according to the state’s August 21 public notice. The filing is fresh, but it is still a regulatory request rather than proof that customer premiums have already risen 6.9%.

The key next development will be the Department of Insurance’s disposition of the filing. Until then, policyholders should rely on their actual renewal notices and official California regulatory records rather than assuming the proposed percentage applies to their individual policy.

Fiscal Wire News provides general consumer-finance and insurance information, not individualized insurance, legal or financial advice. Insurance premiums depend on policy terms, approved rating plans and individual circumstances.