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SL Sean Lee 4 California Donate
Interactive · The Hike Calculator

Did your Commissioner sign off on your premium hike?

Every California rate increase over 7 percent is personally approved by the Insurance Commissioner. Enter your prior-year and current-year premium. We will show you exactly what was signed off on, in your name.

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No data leaves your browser unless you choose to send the letter at the bottom of your result.

What 7 percent really means

Every rate increase above 7 percent in California requires personal sign-off from the Insurance Commissioner.

Proposition 103, passed by California voters in 1988, makes the Commissioner the gatekeeper on every meaningful rate filing. When your premium goes up by more than 7 percent, that is not the market. That is a signature.

Why Sean built this

Sean Lee has spent 28 years inside insurance pricing. He built this calculator because Californians deserve to know exactly what was signed off on, and by whom. Knowing the number is the first step to changing the office.

How the calculator works

What we calculate, and what we do not.

What this tool does

  • Compares two premium numbers you provide
  • Calculates percentage and dollar change
  • Tells you whether the Commissioner personally approved your increase under Prop 103
  • Drafts a one-click letter you can send to your state representative

What it does not

  • Store your data on a server unless you choose to send the letter
  • Predict what next year will look like (we do not lie about uncertainty)
  • Account for coverage changes you may have made yourself
  • Give legal or financial advice. This is information, not counsel