California Auto Rate Filing Software

Filing auto insurance rates in California means navigating one of the most heavily regulated insurance markets in the US. Between CDI’s prior approval requirements, Proposition 103 constraints, and the volume of supporting documentation required for each filing, carriers spend months getting a single rate change to market.

Why California Auto Filings Take So Long

California’s Department of Insurance requires prior approval for all personal auto rate changes. Every filing needs detailed actuarial justification, loss ratio exhibits, rate comparison tables, and often multiple rounds of objection responses. Most carriers manage this process manually — pulling data from spreadsheets, formatting exhibits by hand, and re-doing the work every time an assumption changes.

How Swallow Accelerates California Auto Filings

Swallow connects directly to your actuarial rating models and automates the downstream work:

• Rate comparison generation — Swallow produces California-compliant rate comparison exhibits automatically from your model, showing premium impact across your book.
• Filing exhibit automation — Generate the actuarial exhibits CDI expects, formatted to their specifications, directly from your live rating model.
• Model-to-API conversion — Turn your Excel auto rating model into a production API so your quoting systems always reflect your latest approved rates.
• Scenario testing — Run rate change scenarios before you file to understand book impact and anticipate CDI objections.

Built for California’s Regulatory Requirements

Swallow understands California’s unique auto insurance landscape — Proposition 103 constraints, CDI’s filing portal requirements, and the level of actuarial documentation expected. The platform generates output that maps to CDI’s expectations so your compliance team isn’t reformatting from scratch.

Frequently Asked Questions

Does Swallow file directly with CDI?

Swallow generates the exhibits and documentation you need for your SERFF filing. The actual submission is still done by your team through the SERFF portal, but all the supporting materials are ready to attach.

Can Swallow handle my existing Excel rating model?

Yes. Swallow is designed to work with the Excel models your actuaries already use. No need to rebuild anything — upload your workbook and Swallow maps it to a production-ready API.

How long does setup take?

Most carriers are generating filing exhibits from their first model within a week.