State Farm Fire & Casualty Company’s average rate increase by +6.26% — effective 12/1/2026
10/30/2026
State Farm Fire & Casualty Company has filed new California workers’ compensation base rates with the California Department of Insurance for policies effective December 1, 2026.
How are average rates changing?
| Issuing Company | Average Rate
12/1/2025 | Average Rate
12/1/2026 | % Change |
|---|
| State Farm Fire & Casualty Company | 6.55 | 6.96 | +6.26% |
*Average rate calculation does not include per capita or per race rates (7707 – Firefighters – volunteers, 7722 – Police, Sheriffs – volunteers, or 8278 – Jockeys).
Does the average change apply to every policy?
Not necessarily. A carrier’s average rate change provides useful context, but individual class rates may move differently. The effect on a specific policy depends on the classifications and exposures involved.
The examples below show how some of State Farm Fire & Casualty Company’s individual advisory rates are changing compared with the prior policy period.
| Class – Description | Advisory Rate
12/1/2025 | Advisory Rate
12/1/2026 | % Change |
|---|
| 8839 - Dentists/Dental Surgeons | 1.25 | 1.43 | +14.40% |
| 9080 - Restaurants – full service | 3.29 | 3.62 | +10.03% |
| 8834 - Physicians’ Practices/Outpatient Clinics | 1.19 | 1.26 | +5.88% |
| 8840 - Church/Temple/Mosque/Synagogue–clergy | 0.43 | 0.43 | 0.00% |
| 8601 - Engineers–consulting | 0.57 | 0.56 | -1.75% |
| 5190 - Electrical Wiring–low wage | 5.91 | 5.71 | -3.38% |
What does this mean for an individual account?
The average rate increase is only a starting point. To understand the potential effect on a specific policy, review the applicable classifications and compare how those rates changed.
With WorkCompare, users can generate a Pre-Quote Estimate to evaluate how current rate changes may affect potential pricing before formal quotes arrive.