Insurance is regulated state by state
3 jurisdictions published. Each page names the regulator, how rates are approved, whether a residual market exists, and the statutory minimums that were current at the last review.
California
California requires prior approval of insurance rates: commencing November 8, 1989, insurance rates subject to the Proposition 103 chapter must be approved by the commissioner prior to their use. An insurer that wants to
Florida
Florida's property market runs through two state-created structures on top of the private market. Statute describes Citizens Property Insurance Corporation as a government entity that is an integral part of the state, an
Texas
Texas is a file-and-use rate state: TDI states that like most other states, Texas is a file-and-use state, meaning that once an insurer files its rates it can use them on their effective date. Texas splits its residual p
Which jurisdictions come next, and why
California is first because the operator is a California brokerage and because California has statutory machinery, a rate-approval regime, a residual market, and an earthquake authority that together explain most of what confuses people about property insurance there. Texas and Florida follow because their catastrophe exposure produced their own distinctive statutory mechanisms, which makes them genuinely different rather than differently worded.
A jurisdiction is added when a published question needs it, not to complete a map. Any state page that cannot carry current, dated, sourced statutory minimums does not publish.