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California Auto & Home Insurance Shopping Guide 2023
Updated: December 2022
Here are three reasons why most people pay too much for their auto or home insurance and fail to find the company that can save them a lot of money:
1. Many people never shop their auto or home insurance, sticking with the same company and paying their renewal year after year.
2. If people do shop their insurance coverage, they do not check with enough companies, failing to find the company or companies with the best combination of coverage, service, and rates for them.
3. People only get quotes online, instead of speaking with an insurance professional trained to quote them the coverage they need at the best price, with all the discounts they deserve. It is always best to buy insurance from an agent. A good agent can make the difference between loving or hating your insurance company.
How this guide can help you find the best company for you:
Many auto or home insurance customers do not know all the companies available in their state or their recent complaint records, making it unlikely they will find the company with the best rates, coverage & service for them. Some of the best companies are not very well known because they do little advertising. The objective of this guide is to show you all the major companies offering auto and/or home insurance coverage in California and the three-year auto & home insurance complaint record for each company. Links are provided to the website for each company so you can contact an agent near you or get a price quote online if available. None of the hyperlinks on my website are affiliate links and I receive no financial compensation from any company.
Will you be eligible for all these auto and home insurance companies?
Insurance companies have different eligibility criteria, so not everyone may qualify for all the companies shown in this guide. However, everyone can benefit by shopping, even if they have recent claims or other factors making them ineligible for some companies.
Due to current market conditions, auto and home insurance companies are losing money but the state of California is not allowing companies to raise their rates, resulting in some companies not selling new policies. If you do not qualify for many of the companies in this guide, there should still be agents representing companies listed in this guide who can help you. Please email me at help@smartshopyourcarinsurance.com to let me know if none of the agents or companies listed in this guide can help you.
The Major Auto and Home Insurance Companies in California
If you are looking for a company with a much better than average auto and home insurance complaint record, scroll down to check out this company:
Cincinnati Insurance
Here are the biggest auto & home insurance brands in California you may or may not know, listed in alphabetical order:
1. Allstate Insurance
Allstate is a well-known, heavily advertised insurance company and is one of the largest auto & home insurance companies in almost all US states. Founded in 1931, Its corporate office is in Northfield Township, IL. Allstate offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.
Allstate owns these additional brands, also selling auto and/or home insurance: Encompass, Esurance, and National General. Esurance is no longer selling new policies in California and its website will redirect you to Direct Auto Insurance.
2021 market share for Allstate Insurance:
Allstate is the third largest auto insurer and the third largest home insurer in California.
However, Allstate has recently stopped selling new property insurance policies, such as homeowners insurance, in California.
Complaint record for Allstate Insurance:
The 2019-2021 auto and home insurance complaint record for Allstate Insurance is not consistently better than the industry average. If Allstate has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.
How to buy a policy from Allstate Insurance:
Allstate sells its insurance through its own network of Allstate agents with offices located in communities throughout California. Allstate insurance may also be available in California from select independent insurance agencies appointed to represent the company. There may be a discount for buying online from Allstate, but it may be worth it to pay a little more to have a personal agent to help if you have a claims or service problem. Get a price quote from an agent first, then check to see if you can get a lower rate for the same coverage online.
Check out the Allstate Insurance website to learn more about the company and find an agent near you:
https://www.allstate.com/
2. Auto Club Enterprises Insurance Group
Auto Club Enterprises Insurance Group is a group of insurance companies owned by Auto Club Group. Auto Club Group is a group of auto clubs that are a part of AAA (American Automobile Association), a non-profit federation of regional auto clubs. Auto Club Enterprises Insurance Group has its administrative offices in Costa Mesa, CA, and has been offering insurance to auto club members since 1912. It offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.
Auto Club Group operates and sells its insurance from these club locations: AAA Alabama (Alabama), AAA Northern New England (Maine, New Hampshire, Vermont), AAA East Central (Sections of Pennsylvania, Ohio, Kentucky, West Virginia and New York), AAA Tidewater (Southeastern Virginia), AAA Missouri (Missouri, Arkansas, Louisiana, and sections of Kansas, Illinois and Indiana), AAA Texas (Texas), AAA New Mexico (New Mexico), Automobile Club of Southern California (from Mono to San Diego Counties) AAA Hawaii.
2021 market share for Auto Club Enterprises Insurance Group:
Auto Club is the fifth largest auto insurer and the eighth largest home insurer in California.
Complaint record for Auto Club Enterprises Insurance Group:
The 2019-2021 auto and home insurance complaint record for Auto Club Enterprises Insurance Group companies are not consistently better than the industry average. If Auto Club has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.
How to buy a policy from Auto Club Enterprises Insurance Group:
Auto Club Enterprises Insurance Group sells its insurance through a network of independent insurance agencies, located in its associated AAA offices, which are mainly in Southern California. There is no discount or lower rate for buying direct or getting a quote online from the Auto Club website or any other website.
Check out the Automobile Club of Southern California website to learn more about the company and find an agent near you:
https://www.ace.aaa.com
3. Cincinnati Insurance
Cincinnati Insurance Companies is another group of insurance companies offering personal insurance products in many US states, but is little known to many people, as it does little advertising. Established in 1950, Cincinnati Insurance is headquartered in Fairfield, OH. Cincinnati Insurance offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.
2021 market share for Cincinnati Insurance:
Cincinnati Insurance is a large insurer of homes in the state, but it is not among the ten largest auto insurers or home insurers in California.
Complaint record for Cincinnati Insurance:
The 2019-2021 auto and home insurance complaint record for Cincinnati Insurance is consistently much better than the industry average. If you choose a good agent, you are likely to be happy with its customer and claims service.
How to buy a policy from Cincinnati Insurance:
Cincinnati Insurance sells its insurance exclusively through a network of select independent insurance agencies with offices located in communities throughout California. You cannot get a price quote online from the Cincinnati Insurance website and there is no discount or lower rate for buying online from any other website.
Check out the Cincinnati Insurance website to learn more about the company and find an agent near you:
https://www.cinfin.com/
4. Connect by American Family
In 2019, American Family Insurance acquired Ameriprise Auto & Home, an insurance company offering personal insurance direct to the public in many US states, through its website and by phone, and has a marketing arrangement with Costco. Ameriprise has been rebranded as Connect by American Family and operates separately from the American Family companies sold through American Family Insurance agents. Although Connect by American Family is available in California, the main American Family brand of companies is not available in California and American Family has no agents or agent offices in the state.
2021 market share for Connect by American Family:
Although not among the ten largest auto or home insurance brands in the state, Connect by American Family is a major insurer of autos and homes in California.
Complaint record for Connect by American Family:
The 2019-2021 auto and home insurance complaint record for Connect by American Family is not consistently better than the industry average. Since you will not have an agent to help you if you insure with Connect, you should consider other companies instead of Connect by American Family, unless the price savings with Connect is so much, it is worth it to you to chance service or claims problems you will need to handle on your own.
How to buy a policy from Connect by American Family:
Connect sells its insurance direct to the public by phone and through its website. You can get a price quote from the Connect website linked here:
https://www.connectbyamfam.com/
5. CSAA (California State Automobile Association) Insurance
CSAA Insurance Group is a group of insurance companies owned by the CSAA (California State Automobile Association). CSAA itself is a group of auto clubs that are a part of AAA (American Automobile Association), a non-profit federation of regional auto clubs. Founded in 1914, CSAA Insurance Group is headquartered in Walnut Creek, CA. CSAA offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.
CSAA operates and sells its insurance from AAA club locations in these states: Alaska, Arizona, Colorado, Connecticut, Delaware, Maryland, Montana, Nevada, Oklahoma, Oregon, South Dakota, Utah, Virginia, Washington DC, and Wyoming, as well as portions of California, Idaho, Indiana, Kansas, Kentucky, New Jersey, New York, Ohio, Pennsylvania, and West Virginia.
2021 market share for CSAA Insurance:
CSAA is the seventh largest auto insurer and the fourth largest home insurer in California.
Complaint record for CSAA Insurance:
The 2019-2021 auto and home insurance complaint record for CSAA is not consistently better than the industry average. If CSAA has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.
How to buy a policy from CSAA Insurance:
CSAA sells its insurance through a network of independent insurance agencies, usually located in AAA offices, mainly in Northern California. There is no discount or lower rate for buying direct or getting a quote online from the CSAA website.
Check out the CSAA Insurance website to learn more about the company and find an agent near you:
https://csaa-insurance.aaa.com/
6. Farmers Insurance
Farmers Insurance Group is a heavily advertised group of insurance companies, fairly well-known for auto and homeowners insurance, available in many US states. Founded in 1928, Farmers home office is in Los Angeles, CA. Farmers offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.
In recent years, Farmers Insurance Group has acquired additional insurance companies, still operating as separate brands, such as Foremost, 21st Century, and Bristol West. Farmers Insurance Group itself is a wholly owned subsidiary of Zurich Insurance Group.
In 2020, Farmers purchased Metlife Auto & Home and renamed these former Metropolitan companies as Farmers companies, some now available direct from the company under the brand name of Farmers GroupSelect, marketed as a group benefit through employers. Former Metlife Auto & Home agents may now be Farmers agents and independent agents formerly representing Metlife Auto & Home may now represent Farmers. Metlife Auto & Home insurance policyholders by now should be aware of the rebranding and how Farmers new ownership impacts them.
2021 market share for Farmers Insurance:
Farmers is the fourth largest auto insurer and the second largest home insurer in California.
Complaint record for Farmers Insurance:
The 2019-2021 auto and home insurance complaint record for Farmers Insurance is not consistently better than the industry average. If Farmers has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.
How to buy a policy from Farmers Insurance:
Farmers sells its insurance through its own network of Farmers agents with offices located in communities throughout California. There is no discount or lower rate for buying direct or getting a quote from the Farmers website or any other website.
Check out the Farmers Insurance website to learn more about the company and find an agent near you:
https://www.farmers.com/
7. GEICO Insurance
GEICO, a very heavily advertised group of insurance companies, best known for selling insurance direct to the public, operates in almost all US states, and is a wholly owned subsidiary of Berkshire Hathaway. Established in 1936, GEICO is headquartered in Chevy Chase, MD. GEICO underwrites auto insurance only, but sells other types of personal insurance, such as homeowners insurance, acting as an agent for other companies. So, for example, if you buy homeowners insurance from GEICO, your home is not insured by GEICO, but by another company GEICO represents as an agent.
Since April 2022, GEICO ceased doing walk-in and phone sales in these states: AK, AR, CA, CT, DC, DE, GA, HI, KS, LA, MA, NJ, NM, NY, WI, WV. Residents of these states can still get a price quote and buy a policy online from GEICO.
2021 market share for GEICO Insurance:
GEICO is the second largest auto insurer in California.
Complaint record for GEICO Insurance:
The 2019-2021 auto insurance complaint record for GEICO is not consistently better than the industry average. Since most GEICO customers do not have an agent to help them if they have a service problem, you should consider other companies instead of GEICO (if you do not have a good GEICO agent available to you), unless the price savings with GEICO is so much, it is worth it to you to chance service or claims problems you will need to handle on your own.
How to buy a policy from GEICO Insurance:
In California, GEICO at this time is only quoting and selling policies online through its website linked here:
www.geico.com
8. Liberty Mutual Insurance
Liberty Mutual Insurance Group is a heavily advertised group of insurance companies, best known for auto and home insurance, available in most US states. Founded in 1912, the Liberty Mutual home office is in Boston, MA. Liberty Mutual offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.
Liberty Mutual also owns Safeco Insurance, which operates as a separate brand, and is sold through independent insurance agencies. In 2022, Liberty Mutual acquired State Auto Insurance, which is also available through independent agents.
2021 market share for Liberty Mutual Insurance (including Safeco policyholders):
Liberty Mutual is not among the ten largest auto insurers in the state, but it is the fifth largest home insurer in California.
Complaint record for Liberty Mutual Insurance:
The 2019-2021 auto and home insurance complaint record for Liberty Mutual is not consistently better than the industry average. If Liberty Mutual has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.
How to buy a policy from Liberty Mutual Insurance:
Liberty Mutual sells its insurance direct from the company and through its own group of Liberty Mutual agents operating from sales offices in various communities throughout a state. Liberty Mutual agents also represent other auto & home insurance companies through Comparion Insurance Agency, a national agency owned by Liberty Mutual. There may be a discount for buying online from Liberty Mutual, but it may be worth it to pay a little more to have a personal agent to help if you have a claims or service problem. Get a price quote from an agent first, then check to see if you can get a lower rate for the same coverage online.
Check out the Liberty Mutual Insurance website to learn more about the company and get a price quote online:
https://www.libertymutual.com/
But a Liberty Mutual agent may be able to get you the lowest rate!
Find a Liberty Mutual agent in California at the Comparion Insurance website:
https://www.comparioninsurance.com/
9. Mercury Insurance
Mercury General Corporation is a group of insurance companies available in 11 US states and may not be known by many people outside of California. Founded in 1961, Mercury Insurance is headquartered in Los Angeles, CA. Mercury offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market, sold through a network of independent insurance agents in these states: Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia.
2021 market share for Mercury Insurance:
Mercury is the sixth largest auto insurer and the seventh largest home insurer in California.
Complaint record for Mercury Insurance:
The 2019-2021 auto and home insurance complaint record for Mercury is not consistently better than the industry average. If Mercury has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.
How to buy a policy from Mercury Insurance:
Mercury sells its insurance through a network of select independent insurance agencies located in communities throughout California. There is no discount or lower rate for buying direct or online from the Mercury website or any other website.
Check out the Mercury Insurance website to learn more about the company and find an agent near you:
https://www.mercuryinsurance.com/
10. Nationwide Insurance
Nationwide Insurance is a group of insurance companies, not as well-known as some of the largest US auto & home insurers, available in almost all US states. Founded in 1926, Nationwide Insurance is headquartered in Columbus, OH. Nationwide offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.
In 1998, Nationwide acquired the companies of Allied Insurance to increase its customer base in the Midwest. Nationwide is still using the network of independent insurance agents appointed to represent Allied to sell its insurance. In some US states, the Allied companies, now co-branded as Nationwide, are the largest Nationwide subsidiaries insuring auto & homes.
In 2012, Nationwide completed its acquisition of Harleysville Mutual Insurance Company, expanding its brand through additional independent insurance agents across 32 US states.
In 2020, Nationwide completed its transition from using its own network of agents to selling & servicing its insurance through independent insurance agencies, with many of its formerly exclusive agents becoming independent agents, able to represent multiple insurance companies.
2021 market share for Nationwide Insurance:
Nationwide is not among the ten largest auto insurers in the state, but it is the tenth largest home insurer in California.
Complaint record for Nationwide Insurance:
The 2019-2021 auto and home insurance complaint record for Nationwide Insurance is not consistently better than the industry average. If Nationwide has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.
How to buy a policy from Nationwide Insurance:
Nationwide sells its insurance through a network of select independent insurance agencies located in communities throughout California. There may be a discount for buying online from Nationwide, but it may be worth it to pay a little more to have a personal agent to help if you have a claims or service problem. Get a price quote from an agent first, then check to see if you can get a lower rate for the same coverage online.
Check out the Nationwide Insurance website to learn more about the company and find an agent near you:
https://www.nationwide.com/
11. Progressive Insurance
Progressive, a very heavily advertised group of insurance companies, best known for selling insurance direct to the public, but is also available from most independent insurance agencies, operates in almost all US states. Established in 1937, Progressive is headquartered in Mayfield, OH.
Like GEICO, Progressive underwrites auto insurance only, but sells other types of personal insurance, acting as an agent for other companies. However, in 2015, Progressive bought controlling interest in American Strategic Insurance (ASI), which it now uses as its primary home insurer. If Progressive sells you a policy not underwritten by Progressive or ASI, they are acting as an agent and not as your insurance company. For example, Progressive represents Homesite Insurance and sells its homeowners insurance. If Progressive sells you a Homesite homeowners insurance policy, Progressive is your agent and Homesite is the insurance company insuring your home.
2021 market share for ASI & Progressive Insurance:
Progressive is the ninth largest auto insurer in California. ASI is not among the ten largest home insurers in the state, but is still a major insurer of homes in CA.
Complaint record for ASI & Progressive Insurance:
The 2019-2021 auto and home insurance complaint record for ASI & Progressive is not consistently better than the industry average. If Progressive has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue. If you choose to buy direct from Progressive, your price savings needs to be significant, for it to be worth you having to fix claims or service problems on your own. Check out recent Progressive customers reviews online to see what problems may come up when you buy direct. Click this link to see Progressive Insurance customer reviews at the Yelp website.
How to buy a policy from Progressive Insurance:
In California, the three largest Progressive auto insurance subsidiaries are United Financial Casualty Company and Progressive Select Insurance Company, which are available to qualifying customers buying direct from the company, and Progressive West Insurance Company, sold through independent insurance agencies and marketed under the Drive Insurance Progressive brand, which has been retired in all US states other than California. Auto insurance rates are different whether you buy direct or through an independent agent and it is sometimes more expensive to buy direct.
If you want to find the best price with Progressive, you want to get a price quote direct from the company and from a local independent insurance agency representing Progressive. It may be counter-intuitive, but an agent may have the best rates for you. Also, the agent represents other companies that may have better rates for you than Progressive. Always check with an agent first, then check to see if there is a lower rate for buying direct saving you enough money to be worth not having an agent.
Check out the Progressive Insurance website to learn more about the company and find an agent near you:
https://www.progressive.com/
12. Safeco Insurance
Safeco Insurance is a group of insurance companies available across the USA, but it is best known in western states. Safeco is not available in Hawaii, Delaware, New Jersey, Rhode Island, and D.C. Safeco has been owned by Liberty Mutual since 2008 yet continues to operate as a separate entity and brand. Founded in 1923, Safeco Insurance is headquartered in Seattle, WA. Safeco offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.
2021 market share for Safeco Insurance:
Safeco, as a part of Liberty Mutual, contributes to the Liberty Mutual group of companies being the fifth largest home insurer in California. Safeco, although not in the top ten, is a major insurer of autos in the state.
Complaint record for Safeco Insurance:
The 2019-2021 auto and home insurance complaint record for Safeco is not consistently better than the industry average. If Safeco has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.
How to buy a policy from Safeco Insurance:
Safeco sells its insurance through a network of select independent insurance agencies located in communities throughout California. There is no discount or lower rate for buying direct or online from the Safeco website or any other website.
Check out the Safeco Insurance website to learn more about the company and find an agent near you:
https://www.safeco.com/
13. State Farm Insurance
State Farm is a well-known, heavily advertised insurance company and is the largest auto & home insurer in many US states. Founded in 1922, the headquarters for State Farm is in Bloomington, IL. State Farm offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.
In 2021, State Farm purchased GAINSCO, a nonstandard auto insurance company operating in Alabama, Arizona, Florida, Georgia, New Mexico, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Virginia. GAINSCO continues to operate as a separate brand and is available through independent insurance agencies appointed to represent GAINSCO. State Farm agents may not yet offer GAINSCO nonstandard auto insurance. State Farm itself does not offer nonstandard auto insurance, which insures drivers with a poor driving record, too many claims, or other circumstances making them ineligible for standard auto insurance.
2021 market share for State Farm Insurance:
State Farm is the largest auto insurer and the largest home insurer in California.
However, State Farm has recently stopped selling new property insurance policies, such as homeowners insurance, in California.
Complaint record for State Farm Insurance:
The 2019-2021 auto and home insurance complaint record for State Farm is not consistently better than the industry average. If State Farm has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.
How to buy a policy from State Farm Insurance:
State Farm sells its insurance through its own network of State Farm agents with offices located in communities throughout California. There is no discount or lower rate for buying direct or online from the State Farm website or any other website.
Check out the State Farm Insurance website to learn more about the company and find an agent near you:
https://www.statefarm.com/
14. Travelers Insurance
Travelers Insurance is a group of insurance companies available in most US states and is perhaps not as well-known as other brands, as it does not advertise as much as some other major auto and home insurance companies. Founded in 1853, Travelers Insurance is headquartered in New York City, NY. Travelers offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.
2021 market share for Travelers Insurance:
Travelers is not among the ten largest auto insurers in the state, but it is the ninth largest home insurer in California.
Complaint record for Travelers Insurance:
The 2019-2021 auto and home insurance complaint record for Travelers is not consistently better than the industry average. If Travelers has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.
How to buy a policy from Travelers Insurance:
Travelers sells its insurance through a network of select independent insurance agencies located in communities throughout California. There is no discount or lower rate for buying direct or online from the Travelers website or any other website.
Check out the Travelers Insurance website to learn more about the company and find an agent near you:
https://www.travelers.com/
15. USAA Insurance
USAA is a group of insurance companies providing financial services to active US military & veterans. Established in 1922, USAA is headquartered in San Antonio, TX. USAA insurance and banking products are not available if you do not meet its membership requirements.
To be considered for USAA insurance, you must be eligible for membership in USAA, most commonly by being a current military member or honorably discharged veteran, immediate family member of someone in the military, or a former policyholder.
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USAA offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market. For some common types of personal insurance, USAA partners with other companies. For example, USAA partners with Progressive for motorcycle insurance. Be sure to know which company is actually insuring you before buying insurance from USAA.
2021 market share for USAA Insurance:
Despite its restricted membership, USAA is the tenth largest auto insurer and the sixth largest home insurer in California.
Complaint record for USAA Insurance:
Contrary to its long reputation for superior service, the 2019-2021 auto and home insurance complaint record for USAA is not consistently better than the industry average. Since you will not have an agent to help you if you have a problem, be sure to see what USAA customers are saying about the company online before choosing USAA. You can click this link to see USAA Insurance customer reviews at the Yelp website.
How to buy a policy from USAA Insurance:
The only way to buy a policy or get a price quote is from the USAA website or calling the company. USAA sells direct and does not use agents. Learn more about USAA and its eligibility requirements at their website linked here:
https://www.usaa.com/?wa_ref=pub_global_home
16. Wawanesa Insurance
Wawanesa Insurance is an insurance company selling direct to the public through its website and operates mostly in California, although it is also available in the state of Oregon. Founded in Canada (Wawanesa, Manitoba) in 1896, Wawanesa expanded to California in 1975 and Oregon in 2000. The US operations for Wawanesa is headquartered in San Diego, CA. Wawanesa offers auto insurance and residential property (homeowners, condominium, renters) insurance.
2021 market share for Wawanesa Insurance:
Wawanesa is among the top 20 auto insurers in California but has much less home insurance market share in the state.
Complaint record for Wawanesa Insurance:
Contrary to its strong performance in recent JD Power auto insurance customer satisfaction studies, the 2019-2021 auto and home insurance complaint record for Wawanesa is not consistently better than the industry average. It is recommended to check recent customer reviews online before choosing Wawanesa Insurance. Since you will not have an agent to help you if you have a problem, you may not want to choose Wawanesa unless there is a significant price savings or much better coverage. You can click this link to see Wawanesa Insurance customer reviews at the Yelp website.
How to buy a policy from Wawanesa Insurance:
The only way to buy a policy or get a price quote is from the Wawanesa website or calling the company. Wawanesa sells direct and does not use agents. Get a quote or learn more about Wawanesa at their website linked here:
https://www.wawanesa.com/us/
17. 21st Century Insurance
21st Century Insurance sells auto insurance direct to the public through its website and by phone. 21st Century was purchased from AIG by Farmers Insurance Group in 2009 and continues to operate as a separate brand. Once available in many US states, Farmers Insurance Group is retiring the brand and 21st Century is withdrawing from all states except Hawaii and California.
2021 market share for 21st Century Insurance:
21st Century is among the top 20 auto insurers in California. Home insurance is not available from 21st Century.
Complaint record for 21st Century Insurance:
The 2019-2021 auto insurance complaint record for 21st Century is not consistently better than the industry average. It is recommended to check recent customer reviews online before choosing 21st Century. Since you will not have an agent to help you if you have a problem, you may not want to choose 21st Century unless there is a significant price savings or much better coverage. You can click this link to see 21st Century Insurance customer reviews at the Yelp website.
How to buy a policy from 21st Century Insurance:
The only way to buy a policy or get a price quote is from the 21st Century website or calling the company. 21st Century sells direct and does not use agents. Get a quote or learn more about 21st Century at their website linked here:
https://www.21st.com/
The eighth largest auto insurer in CA, Kemper Corporation, consisting of Infinity Auto, Alliance United Insurance Company, and other subsidiaries, is not listed above. Kemper is primarily a nonstandard (also called Specialty) auto insurer designed for drivers considered higher risk, due to their driving record, claims history, or other factors. Most Californians can find better auto insurance coverage and a lower price with a standard insurance company.
If you are a higher risk driver and other auto insurance companies will not insure you, Kemper might be a good choice for you. You can get a car insurance quote from the Infinity Auto website linked here:
https://www.infinityauto.com/
Do not make this mistake when shopping for auto or home insurance:
Most insurance shoppers do not check with enough companies and do not contact any independent agents. There are more auto and home insurance companies available in California. Some companies, not among the companies with the largest auto or home insurance market share in the state, were not included in this shopping guide. Some of these companies are brands you may or may not know, like Hartford Insurance. Many of these companies, including Hartford, are available through independent agents across California. The agents you find through the Cincinnati, Comparion, Mercury, Nationwide, Progressive, Safeco, & Travelers websites are independent agents representing other companies. Make sure you check with agents representing each of the companies listed in this shopping guide to help you find the insurance agent with the best combination of coverage, service, and price for you.
There are a few more important auto and home insurance companies, not available through most independent agents, you can find out about here in my supplemental auto & home insurance guide.
Why can you rely on my guides to help you find the best insurance companies for you? Check out my webpage explaining the sources of the information I use in my auto & home insurance guides, how I use the information, and what it should mean to you, to help you best use this guide.