Rating Engine
Base rates, rating factors & discount/surcharge rules — Personal Auto Standard
Effective 2026-09-01
Base Rate Table — Territory × Rating Class
Annual base premium before factors, by territory and driver class
| Territory | Class 1 (Preferred) | Class 2 (Standard) | Class 3 (Non-Standard) | Class 4 (High-Risk) |
|---|---|---|---|---|
| CA-01 (Bay Area) | $980 | $1,240 | $1,690 | $2,420 |
| CA-02 (Central Valley) | $860 | $1,090 | $1,480 | $2,110 |
| CA-03 (SoCal Metro) | $1,120 | $1,410 | $1,920 | $2,740 |
| NV-01 (Las Vegas) | $1,040 | $1,320 | $1,780 | $2,560 |
Rating Factors (Multiplicative)
| Factor | Condition | Multiplier |
|---|---|---|
| Driver Age | Under 25 | 1.45× |
| Driver Age | 25–65 | 1.00× |
| Prior At-Fault Claims | 1 in 36 mo. | 1.25× |
| Annual Mileage | > 15,000 mi | 1.12× |
| Vehicle Safety Rating | Top Safety Pick+ | 0.94× |
Discounts & Surcharges
| Rule | Type | Adjustment | Enabled |
|---|---|---|---|
| Multi-Policy Bundle | Discount | −12% | On |
| No-Claims (3 yr) | Discount | −15% | On |
| Telematics Enrollment | Discount | −8% | On |
| SR-22 Required | Surcharge | +22% | On |
| Lapse in Coverage | Surcharge | +9% | Off |
Rate changes require an approved filing per jurisdiction before publishing. This draft is linked to filing CA-PA-2026-019 (Under Review).