Covered Egg

Regulator approval times by state

Days between when a rate filing is submitted to a state regulator and when it's approved, summarized per state. Turnaround is broken out by line of insurance — pick a line below and the filings and day columns re-scope to it, then filter states by the rate review method that governs that line. Sorted by typical (median) turnaround; click any column to re-sort.

Review method for
is

44 states · 11747 auto filings

State Filings Median days Avg days 90th pct Fastest Slowest Rate review method
Auto Property Other personal
SD 360 1 10 30 0 172 File & use File & use File & use
MS 374 2 16 50 0 580 File & use File & use File & use
AL 587 3 17 48 0 471 Prior approval Prior approval Prior approval
ID 18 4 15 39 1 125 Use & file Use & file Use & file
NM 117 4 9 21 0 74 File & use File & use File & use
AR 116 5 14 42 0 97 File & use File & use File & use
WA 420 5 49 155 1 745 Prior approval Prior approval Prior approval
NV 510 6 29 85 0 450 File & use File & use File & use
VT 91 6 24 67 0 343 Use & file Use & file Use & file
WI 60 6 7 12 0 29 File & use File & use File & use
IA 480 7 32 93 0 304 Use & file Use & file Use & file
AZ 201 7 18 40 0 253 Use & file Use & file Use & file
NE 14 8 35 111 0 145 File & use File & use File & use
MA 70 9 12 26 0 48 File & use File & use File & use
PA 898 9 36 103 0 502 Prior approval Prior approval Prior approval
WY 119 10 20 50 0 217 Competitive / no file Competitive / no file Competitive / no file
KY 163 11 18 49 0 87 Use & file Use & file Use & file
NC 292 13 23 48 0 231 Prior approval Prior approval Prior approval
LA 91 14 21 43 0 103 File & use File & use File & use
MO 204 15 19 41 0 105 Use & file Use & file Use & file
WV 265 16 19 39 1 194 Prior approval Prior approval Prior approval
SC 414 19 40 108 0 327 Prior approval Prior approval Prior approval
MN 170 20 36 94 0 305 File & use File & use File & use
TN 622 21 30 74 0 364 Prior approval Prior approval Prior approval
MD 338 21 31 67 0 486 Prior approval Prior approval Prior approval
MI 856 21 33 82 1 204 File & use File & use Prior approval
KS 150 22 34 70 0 260 File & use File & use File & use
OK 187 26 29 35 0 152 Use & file Use & file Use & file
OR 162 26 48 104 2 326 File & use File & use File & use
HI 152 28 52 137 0 329 Prior approval Prior approval Prior approval
ND 340 28 32 67 0 195 Prior approval Prior approval Prior approval
GA 439 29 57 148 0 509 File & use File & use File & use
ME 416 29 46 94 0 276 File & use File & use File & use
AK 53 31 42 64 6 174 Flex rating Flex rating Flex rating
IL 3 31 50 77 31 89 Use & file Use & file Use & file
TX 356 32 55 138 2 367 File & use File & use File & use
CT 1 32 32 32 32 32 File & use File & use File & use
NH 270 32 36 53 0 158 File & use File & use File & use
RI 259 32 63 162 0 596 File & use File & use File & use
VA 115 43 58 117 3 324 File & use File & use File & use
MT 80 56 54 74 0 130 File & use File & use File & use
NJ 334 71 97 190 0 517 Prior approval Prior approval Prior approval
CA 315 78 116 266 6 525 Prior approval Prior approval Prior approval
NY 265 96 125 239 0 547 Prior approval Prior approval Competitive / no file
CO — — — — — — File & use File & use File & use
IN — — — — — — File & use File & use Exempt

Rate review method is the regulatory regime a state uses to review a rate filing before it can take effect, and it differs by line of insurance: Auto is private-passenger auto, Property is homeowners, and Other personal is other personal lines (represented by personal inland marine). Prior approval requires sign-off before use; file & use and use & file let rates take effect on or shortly after filing; flex rating requires approval only outside a set band; competitive / no file and exempt require no rate filing. Where a state runs a competitive-market test, the presumed-competitive treatment is shown. Source: NAIC Rate Filing Methods for Property/Casualty Insurance (chart PA-10), Summer 2025. These regimes are state law and are independent of the measured turnaround in the other columns.