State Farm and Illinois Battle Over Data
By Chad T. Wilson Law Firm Staff — based on reporting by Megan Fan Munce, San Francisco Chronicle, October 15, 2025
The nation’s largest home insurer, State Farm, is back in the spotlight, this time for refusing to share key data with state regulators. The Illinois Attorney General has filed a lawsuit claiming the company broke the law by withholding information about insurance premiums, nonrenewals, and risk discounts across every U.S. ZIP code, including those in California.
Illinois sues State Farm
As reported by The San Francisco Chronicle, Illinois regulators asked State Farm for details on its homeowners policies from 2018 to 2024 — everything from how many policies it wrote and how many claims it paid, to how much it charged and where. The goal was to better understand why premiums have been climbing so quickly and why so many homeowners are losing coverage.
State Farm pushed back, saying the request went too far and that Illinois didn’t have authority to demand data from other states. Illinois disagreed — and now it’s up to the courts to decide.
Insurance Hikes Across the Country
This might sound like a behind-the-scenes dispute, but it’s part of a much bigger story. Across the country, homeowners are struggling with rising rates, shrinking coverage, and fewer choices. In California, the situation is especially tense. State Farm General, the subsidiary operating solely in California, is already under investigation for how it handled wildfire claims after the Eaton and Palisades fires. Some policyholders accused the company of dragging out claims or offering low settlements.
Meanwhile, State Farm has spent over a year pushing for a 30% rate hike on homeowners insurance. Regulators approved an interim 17% increase this summer, but a full hearing in December will determine whether the company can raise rates further — or even has to refund part of what it’s already collected.
How Does the State Farm Case in Illinois Affect Me?
If Illinois succeeds in getting this data, it could set a precedent for more transparency nationwide — giving state regulators, and by extension consumers, a clearer picture of how insurers price risk and decide who to cover. That’s a big deal for homeowners who’ve been left in the dark about why their rates keep climbing.
For Californians already reeling from nonrenewals and price spikes, a little sunlight could go a long way.
Has Your Insurance Company Denied Your Claim?
If your insurance company has delayed, denied, or underpaid your claim, don’t just accept it as business as usual. You have rights — and you have options. Talk to someone who knows how to hold insurers accountable and can help you get the coverage you paid for
How Chad T. Wilson Law Firm Can Help
At the Chad T. Wilson Law Firm, we fight for policyholders who have been denied, underpaid, or forced into unfair processes. Whether your dispute involves hail damage, water damage, fire and smoke, windstorm claims, or commercial property losses, we’re here to stand up for your rights.
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