Consumer Watchdog

Expose. Confront. Change.

Consumer Watchdog

Proposition 103 · 1988–2026

California took on the
insurance industry—and won.

A scrollable look at how Consumer Watchdog’s rate challenges returned billions to policyholders.

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Since 1988, auto-insurance premiums soared across America.
Except in one state.
1988 · Prop 103 passes United States ↑ California ↓

Change in average auto premium since 1988 · illustrative of the documented trend (Consumer Federation of America)

Consumer Watchdog rate challenges have saved Californians
$0
$7.33 billion — across every line we fight on.
For every $1 spent challenging insurers…
went back to California consumers.
Invested$15.7M Returned$7.33B

Just 21¢ of intervenor cost for every $100 saved.

And we’ve taken on the biggest names in the business.
ConsumerWatchdog
Every major insurer in California — held accountable.