The State of Illinois is suing State Farm for refusing to provide
nationwide homeowners’ insurance data at the request of the Illinois Department of Insurance (IDOI).
Attorney General Kwame Raoul filed the lawsuit on Oct. 14 on behalf of Director of Insurance Ann Gillespie, who in Nov
ember 2024 initiated an examination of State Farm’s homeowners’ data.
IDOI asked the Bloomington, Illinois-based insurer to provide complete
nationwide zip-code level data including total homeowners’ premium collected, number of policies and claims and types of coverage provided.
State Farm refused to comply with Gillespie’s request. State Far
m responded that the data reveals information about policies for h
omes located outside of Illinois and expressed concerns that Gillespie would violate confidentiality protections.
“State Farm did not violate the law,” the insurer said. “This lawsuit is without merit and it has nothing to do wit
h Illinois customers or the cost of their insurance.”
Raoul said in a statement that State Farm is preventing IDOI fro
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m obtaining information to help make sure all Illinois homeowners are being treated fairly.
“State insurance departments are the primary regulators of insurance companies, so it is crucially importan
t that State Farm, headquartered in Illinois, cooperate with the department’s oversight of its business practices,” Raoul said.
The lawsuit was filed months after State Farm implemented a 27% rate increase for Illinois homeowners. The
rate increase drew attention from Illinois Governor J.B. Prtizker and other state leaders.
State Farm this week the rate increase was supported with a
actuarial analysis. The
e rates are increasing due to increased frequency of severe storms.
State Farm said Illinois premiums are priced for the risk in Illinois state—not for losses in other states.