For those covered by State Farm in California's fire country, the insurer's latest rate increase is something many people will have to budget for.

State Farm has argued the emergency rate hikes are necessary to help the company avoid a “dire” financial crisis that could force them to drop more California policies.

The State Farm unit then appealed to Lara for an emergency 22% hike and threatened to leave the state. After quick hearings, an insurance department judge found that 72% of the er