California

But Harvey Rosenfield with the consumer advocacy group Consumer Watchdog doesn’t buy it.

“We have a hard time believing that that can explain double-digit rate increases. The insurance companies have a profit motive constantly to raise rates, limit the amount of claims they pay, and seek higher rates from the insurance commissioner," said Rosenfield.

In fact, California’s insurance commissioner Ricardo Lara recently approved $1 billion in rate increases. And Consumer Watchdog said another $2 billion are pending.

“I think the insurance companies are taking advantage and trying to put pressure on the insurance commissioner to approve rates that are unjustified.” said Rosenfield.