Best Home and Auto Insurance in California (2026)

Top insurers like State Farm and Allstate offer strong bundle discounts and broad coverage options for California drivers and homeowners.

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Doug Bailey
Writer: Doug BaileySenior Content Writer

Qualifications:
  • 15 years at the Boston Globe

  • 5+ years covering insurance industry


Doug joined Insurify as a senior content writer in 2025. He was previously a regular contributor to InsuranceNewsNet.

Photo of an Insurify author
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor

Qualifications:
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519


Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Photo of an Insurify author
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor

Qualifications:
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 20461358


John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

Updated

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Average cost of home and auto insurance in California

Insurance rates in California tend to run higher than the national average due to wildfire exposure, the high cost of living, and dense urban driving conditions.

The average monthly premium for car insurance in California is $151, while the average monthly rate for homeowners insurance with $300,000 in dwelling coverage is $170. This is compared to the U.S. national average of $143 for car insurance and $231 for $300,000 in home insurance coverage.

Auto insurance rates in California are also often higher than in nearby states, like Nevada and Arizona, due to stricter regulations and heavy traffic congestion in cities like Los Angeles, Anaheim, and San Francisco.

California’s car insurance market is also more tightly regulated than most states, requiring insurers to obtain approval for rate changes under rules enforced by the California Department of Insurance.

Home insurance premiums in California are also elevated due to wildfire risk, high property costs, and the expenses of materials and labor required for repairs. But wildfires in particular have led some insurers to restrict new policies or tighten underwriting in high-risk areas, according to the Insurance Information Institute and researchers at UC Berkeley’s Terner Center.[1]

Coverage Type
Average Monthly Cost in California
Car insurance (full coverage)$204
Home ($300K dwelling)$170
Disclaimer: Table data is based on real-time California quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Best home and auto insurance companies in California

The best home and auto insurance companies in California are State Farm, Allstate, Farmers, USAA, and Travelers. We selected them based on pricing, bundling discounts, and customer satisfaction metrics, including customer experience scores from J.D. Power’s U.S. Home Insurance and Property Claims Satisfaction studies and consumer complaint data from the National Association of Insurance Commissioners.[2]

The table below reflects home insurance companies and auto insurers that consistently balance price, coverage, and availability in a market shaped by wildfire risk, regulation, and tightening underwriting.

Here, you can see the specific ways each insurer stands out in California.

Insurance Company
Best For
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Bundling Discount
USAAMilitary families9.1Up to 10%
State FarmOverall value9.3Savings vary
AllstateAdd-ons and discounts8.9Up to 25%
FarmersStrong local expertise8.5Up to 10%
TravelersFlexible coverage8.5Up to 15%
Bundling discounts are based on publicly advertised savings opportunities from insurers and may vary by location, underwriting profile, and coverage selections.

USAA: Best for military families

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$67/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$151/mo
Details
4.9
Best choice in CaliforniaBased on 4,404 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.93.2
Customer service4.93.6
Discounts4.92.9
Policy transparency4.93.1
Value4.92.9
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

Based on analysis of verified reviews collected by Insurify

Best in California for
Members of the military community
Outstanding customer service
Competitive rates
Showing 27 reviews from California driversSee all 1,740 USAA reviews
Alex
Verified Review
The rent is too damn high.
Insurance today is very expensive. I think overall it has become a monopoly.
Erica
Verified Review
Overpriced and Didn’t Deliver
Overpriced. They couldn’t make a service call when I had a flat tire and was stranded.
Adam
Verified Review
Not Happy With USAA
They are unprofessional, and their prices are high compared to other insurance companies.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
747
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA consistently ranks near the top of J.D. Power customer satisfaction studies and offers some of the cheapest home and auto insurance bundles in California for eligible military families, including competitive rates in high-cost urban markets, like Los Angeles and San Diego.[2]

Pros
  • Excellent service

  • Low average rates

  • Strong financial ratings from AM Best[3]

Cons
  • Must be a current or former member of the military

  • No 24/7 customer service

  • Smaller in-person agent network than many competitors

State Farm: Best for overall value

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$103/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$232/mo
Details
4.2
Best choice in CaliforniaBased on 21,672 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.23.2
Customer service4.43.6
Discounts4.02.9
Policy transparency4.03.1
Value3.92.9
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

Best in California for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 reviews from California driversSee all 8,301 State Farm reviews
Atamian
Verified Review
Excellent Customer Service With Edwin Martinez, Very Helpful
Good customer service with Edwin Martinez, a very helpful agent.
Renee
Verified Review
Cheaper Insurance
Great, but it's too expensive.
Gail
Verified Review
Moderately satisfied
I don't like paying so much for car insurance, though I do get many "good driver" discounts.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
658
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm offers competitive car insurance rates and comprehensive homeowners insurance coverage throughout California, including some wildfire-prone regions where coverage availability has tightened in recent years. The insurer also maintains one of the largest local agent networks in the state and offers strong multi-policy discounts for drivers and homeowners who bundle coverage together.

Pros
  • Strong bundling discounts

  • Large insurance agent network

  • High customer satisfaction[2]

Cons
  • Limited online tools

  • May restrict coverage in high-risk areas

  • Fewer niche add-ons

Allstate: Best for coverage options

User Reviews
3.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$91/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$158/mo
Details
3.9
A solid option in CaliforniaBased on 12,553 verified driver reviews and ratings
Allstate's score
Industry average
Coverage options3.93.2
Customer service4.03.6
Discounts3.92.9
Policy transparency3.83.1
Value3.42.9
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

Based on analysis of verified reviews collected by Insurify

Best in California for
Accident forgiveness
Wide availability
Cheap rates
Showing 50 reviews from California driversSee all 4,794 Allstate reviews
Martha
Verified Review
App & Personal Service Less Than Ideal
Don’t opt out of the paper summary of your policies. You can’t access it online.
Jaylynn
Verified Review
Allstate Has Been Fantastic for Me—I’ve Had Them for 40 Years With No Issues
They’ve been fantastic for 40 years.
Annette
Verified Review
Poor
Flexible, affordable payment plan options, and easy cancellation if needed.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
634
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

Allstate stands out for its customizable endorsements and optional coverages, such as water backup coverage, identity theft restoration, and yard and garden coverage. It also offers protection for high-value homes, a common need along California’s coast. It typically scores below the industry average in J.D. Power’s Home Insurance and Property Claims Satisfaction studies, though it remains competitive due to its coverage options and available discount programs.[4]

Pros
  • Many add-ons

  • Strong digital tools

  • Good discount variety

Cons
  • Higher premiums than some competitors

  • Mixed claims satisfaction[4]

  • Fewer local insurance agents in some areas

Farmers: Best for California homeowners

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$95/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$214/mo
Details
4.0
Best choice in CaliforniaBased on 3,853 verified driver reviews and ratings
Farmers's score
Industry average
Coverage options3.93.2
Customer service4.13.6
Discounts3.72.9
Policy transparency3.93.1
Value3.62.9
How drivers feel about Farmers

Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.

Based on analysis of verified reviews collected by Insurify

Best in California for
Bundling discounts
Minimum coverage
Safe drivers
Showing recent national reviewsSee all 1,124 Farmers reviews
Sylvia
Verified Review
Sales: Be honest, be sincere, be kind!
Don’t talk over anyone. Don’t push anything. Discuss your offerings sincerely, not flatly or without feeling. Give the client the best deal—don’t keep trying to make the most money for yourself. Focus on the best savings for them. Then you’ll have a repeat client.
Gordon
Verified Review
Farmers customer
There are cheaper car coverage plans available from other insurers. They are very competitive on home insurance.
Ann
Verified Review
Not That Great
Be careful—once they get you in, they start hiking up your price.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
617
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Farmers Insurance has deep roots in California and offers specialized insurance coverage for wildfire risks and high-value homes, as well as customizable dwelling protection. The insurer also maintains a large local agent network throughout the state and provides several optional endorsements designed for homeowners in higher-risk or higher-cost housing markets.

Pros
  • Local expertise

  • Customizable policies

  • Strong agent support

Cons
  • Higher premiums than some competitors

  • Stricter underwriting

  • Fewer discounts

Travelers: Best for flexible policies

User Reviews
4.6
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$109/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$244/mo
Details
4.6
Best choice in CaliforniaBased on 1,853 verified driver reviews and ratings
Travelers's score
Industry average
Coverage options4.63.2
Customer service4.63.6
Discounts4.32.9
Policy transparency4.63.1
Value4.42.9
How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

Based on analysis of verified reviews collected by Insurify

Best in California for
Numerous discounts
Gap insurance
Rideshare coverage
Showing 6 reviews from California driversSee all 694 Travelers reviews
Roberto
Verified Review
Excellent
Responsive.
Keith
Verified Review
Very good service, however, they raise your premium substantially in subsequent years.
By almost all criteria, they do a very good job. However, they just raised my premium by 40%.
Judy
Verified Review
The minute I asked to check rates with other insurers, Travelers placed a ticket on my account hoping
Recently, I asked them for a discount on my car insurance and they would not give one. So I asked them if I could shop around and they said yes. I had a very small fender bender a few months back and I had 51% responsibility and the other person had 49% responsibility because she parked inside my lane.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Travelers offers flexible coverage limits and strong multi-policy insurance discounts, making it a good option for bundling home and auto insurance. It performs around the industry average in J.D. Power’s Property Claims Satisfaction Study, reflecting solid but not standout customer satisfaction scores.

Pros
  • Flexible insurance policies

  • Solid discounts

  • Wide availability

Cons
  • Average customer satisfaction scores

  • Fewer local insurance agents

  • Less brand recognition

How we chose the best home and car insurance bundles for California driversexpand/collapse

Our editorial team analyzed regional and national auto insurance companies that sell home and auto policies in California to assess which companies offer the best rates, coverage options, customer service, and savings to customers. We prioritized competitive rates, homeownership and multi-policy discounts, bundling options, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, and specialty or supplemental coverages for policyholders.

What affects home and auto insurance rates in California?

Several California-specific factors influence insurance premiums, including:

Wildfire risk: California homeowners face some of the highest wildfire risk exposure in the U.S., particularly in areas like Northern California and the Sierra foothills. Insurers often raise premiums or limit dwelling coverage in high-risk zones.[5]

Traffic and population density: Los Angeles drivers lose dozens of hours annually to traffic congestion, according to the INRIX Global Traffic Scorecard. And California’s densely populated urban counties report high numbers of vehicle collisions each year through the California Office of Traffic Safety. Increased accident exposure, medical costs, and repair expenses can all contribute to higher auto insurance premiums.[6]

State regulations: California’s insurance laws limit the factors insurers may use to set rates. Unlike most states, California generally prohibits insurers from using credit history in pricing decisions and requires companies to obtain approval from the California Department of Insurance before implementing major rate increases under Proposition 103. Supporters say the rules help protect consumers from excessive pricing, while insurers argue the approval process can make it harder to respond quickly to rising claims and catastrophe costs.

Natural disasters: Beyond wildfires, earthquakes and floods are key risks in certain areas of the state. Standard homeowners insurance policies typically exclude coverage for these perils. Earthquake insurance and flood insurance are available but you must purchase them as separate policies or endorsements.

Compare California Car Insurance Quotes

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Is bundling home and auto insurance worth it in California?

Bundling home and auto insurance in California can lead to meaningful savings through multi-policy discounts. Major insurers, including Allstate, USAA, Farmers, and Travelers, advertise bundle savings ranging from about 10% to 25%, depending on eligibility and coverage selections.

Bundling can also simplify policy management by consolidating billing, claims, and customer service under a single insurer.

For California homeowners facing elevated wildfire-related insurance costs and drivers facing high urban accident exposure, bundling may help offset rising insurance premiums while maintaining broad coverage.

Pros
  • Lower insurance premiums through bundle discounts

  • Simplified policy management with one insurance company

  • Potential access to additional perks, such as single deductibles, loyalty discounts, and streamlined claims handling

Cons
  • May not always be the cheapest option

  • Less flexibility if one policy becomes expensive

  • Switching insurers can become more complicated if homeowners and auto coverage are tied together

Best home and auto insurance in California FAQs

If you still have questions about how to find the best home and auto insurance bundling options in California, the following answers can help.

What is the best home and auto insurance in California?

State Farm, Allstate, and USAA are among the best insurance companies in California. Each offers strong customer satisfaction scores, competitive coverage, and robust bundle discounts.

What is the cheapest home and auto insurance bundle in California?

USAA and State Farm often offer the cheapest home and auto insurance in California, though rates vary based on your location, wildfire risk, chosen deductible, coverage limits, and more.

How can you bundle home and auto insurance in California?

You can bundle California home and auto insurance by searching for insurance quotes and purchasing both policies from the same insurance company, either online, through insurance agents, or by comparing insurance quotes across insurers.

Do you need homeowners insurance in California?

Homeowners insurance isn’t legally required in California, but most lenders require a home insurance policy to ensure adequate dwelling coverage.[7]

Sources

  1. Terner Center. "The California Home Insurance Challenge in Eight Charts."
  2. J.D. Power. "It’s Now a Buyer’s Market for Auto Insurance, JD Power Finds."
  3. AM Best. "AM Best Affirms Credit Ratings of United Services Automobile Association, Its Subsidiaries and USAA Capital Corporation."
  4. J.D. Power. "J.D. Power Home Insurance Study."
  5. Insurance Information Institute. "Facts + Statistics: Wildfires."
  6. Inrix. "INRIX 2024 Global Traffic Scorecard: Employees & Consumers Returned to Downtowns, Traffic Delays & Costs Grew."
  7. California Department of Insurance. "HOMEOWNERS INSURANCE EMPOWERING CONSUMERS, STRENGTHENING COMMUNITIES."

Methodology

Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible
Doug Bailey
Writer: Doug BaileySenior Content Writer

Qualifications:
  • 15 years at the Boston Globe

  • 5+ years covering insurance industry


Doug joined Insurify as a senior content writer in 2025. He was previously a regular contributor to InsuranceNewsNet.

Photo of an Insurify author
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor

Qualifications:
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519


Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Photo of an Insurify author
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor

Qualifications:
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 20461358


John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.