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State Farm posted a $1.5B underwriting profit in 2025 — then raised your rates. Here's what's actually going on. 👇 Here's the version of the California insurance crisis you probably haven't heard. The industry narrative is straightforward: California's regulatory environment — specifically Prop 103, which requires state approval before rate changes take effect — made it impossible to price risk honestly. Wildfires got worse. Premiums couldn't keep up. Insurers left to protect their solvency. Pa
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State Farm posted a $1.5B underwriting profit in 2025 — then raised your rates. Here's what's actually going on. 👇 Here's the version of the California insurance crisis you probably haven't heard. The industry narrative is straightforward: California's regulatory environment — specifically Prop 103, which requires state approval before rate changes take effect — made it impossible to price risk honestly. Wildfires got worse. Premiums couldn't keep up. Insurers left to protect their solvency. Pa
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