Rate Regulation Branch

The Rate Regulation Branch (RRB) determines whether rates charged to consumers in California are fair (not excessive, inadequate or unfairly discriminatory).

Under the provisions of Proposition 103 (enacted by the voters in 1988) the Department of Insurance is required to review and approve rates for most property and casualty lines of insurance before they can be used.

RRB analyzes filings submitted by property and casualty insurers and other insurance organizations under California's prior approval statutes for most property and casualty lines of business. In addition, RRB analyzes filings submitted by property and casualty insurers and other insurance organizations under California's file and use statutes for a limited number of property and casualty lines of insurance.

The RRB consists of six (6) filing bureaus (two in Oakland, three in Los Angeles, and one in Sacramento). RRB is assisted by an Actuarial unit and a Rate Specialist Bureau