California insurance market
Top carriers writing residential and condominium lines in California, with market share. Share is computed within this state and line from filed market data.
| # | Carrier | Policies in force | Premium written | Market share |
|---|---|---|---|---|
| 1 | Fire Ins Exch | — | $182.2M | 7.3% |
| 2 | State Farm Gen Ins Co | — | $158.3M | 6.3% |
| 3 | Sutton National Ins Co | — | $143.7M | 5.7% |
| 4 | Travelers Prop Cas Co Of Amer | — | $119.1M | 4.8% |
| 5 | CSAA Fire & Cas Ins Co | — | $117.8M | 4.7% |
| 6 | California Automobile Ins Co | — | $104.2M | 4.2% |
| 7 | Liberty Mut Ins Co | — | $95.6M | 3.8% |
| 8 | Zurich Amer Ins Co | — | $92.2M | 3.7% |
| 9 | Safeco Ins Co Of Amer | — | $80M | 3.2% |
| 10 | American Security Ins Co | — | $79.3M | 3.2% |
| 11 | Foremost Ins Co Grand Rapids MI | — | $76.5M | 3.1% |
| 12 | Factory Mut Ins Co | — | $75M | 3.0% |
| 13 | CSAA Ins Exch | — | $63.1M | 2.5% |
| 14 | Allianz Global Risks US Ins Co | — | $60.9M | 2.4% |
| 15 | Standard Fire Ins Co | — | $56.4M | 2.3% |
| 16 | United Serv Automobile Assn | — | $53.7M | 2.1% |
| 17 | Hartford Fire Ins Co | — | $49.3M | 2.0% |
| 18 | Interins Exch Of The Automobile Club | — | $47.5M | 1.9% |
| 19 | American Modern Prop & Cas Ins Co | — | $45.1M | 1.8% |
| 20 | Nationwide Mut Ins Co | — | $44.8M | 1.8% |
| 21 | Affiliated Fm Ins Co | — | $42.6M | 1.7% |
| 22 | California Capital Ins Co | — | $42.5M | 1.7% |
| 23 | Accredited Surety & Cas Co Inc | — | $41.8M | 1.7% |
| 24 | Travelers Cas & Surety Co | — | $34.7M | 1.4% |
| 25 | DB Ins Co Ltd (US Branch) | — | $34.5M | 1.4% |
- 1.Fire Ins Exch
- Policies
- —
- Premium
- $182.2M
7.3% - 2.State Farm Gen Ins Co
- Policies
- —
- Premium
- $158.3M
6.3% - 3.Sutton National Ins Co
- Policies
- —
- Premium
- $143.7M
5.7% - 4.Travelers Prop Cas Co Of Amer
- Policies
- —
- Premium
- $119.1M
4.8% - 5.CSAA Fire & Cas Ins Co
- Policies
- —
- Premium
- $117.8M
4.7% - 6.California Automobile Ins Co
- Policies
- —
- Premium
- $104.2M
4.2% - 7.Liberty Mut Ins Co
- Policies
- —
- Premium
- $95.6M
3.8% - 8.Zurich Amer Ins Co
- Policies
- —
- Premium
- $92.2M
3.7% - 9.Safeco Ins Co Of Amer
- Policies
- —
- Premium
- $80M
3.2% - 10.American Security Ins Co
- Policies
- —
- Premium
- $79.3M
3.2% - 11.Foremost Ins Co Grand Rapids MI
- Policies
- —
- Premium
- $76.5M
3.1% - 12.Factory Mut Ins Co
- Policies
- —
- Premium
- $75M
3.0% - 13.CSAA Ins Exch
- Policies
- —
- Premium
- $63.1M
2.5% - 14.Allianz Global Risks US Ins Co
- Policies
- —
- Premium
- $60.9M
2.4% - 15.Standard Fire Ins Co
- Policies
- —
- Premium
- $56.4M
2.3% - 16.United Serv Automobile Assn
- Policies
- —
- Premium
- $53.7M
2.1% - 17.Hartford Fire Ins Co
- Policies
- —
- Premium
- $49.3M
2.0% - 18.Interins Exch Of The Automobile Club
- Policies
- —
- Premium
- $47.5M
1.9% - 19.American Modern Prop & Cas Ins Co
- Policies
- —
- Premium
- $45.1M
1.8% - 20.Nationwide Mut Ins Co
- Policies
- —
- Premium
- $44.8M
1.8% - 21.Affiliated Fm Ins Co
- Policies
- —
- Premium
- $42.6M
1.7% - 22.California Capital Ins Co
- Policies
- —
- Premium
- $42.5M
1.7% - 23.Accredited Surety & Cas Co Inc
- Policies
- —
- Premium
- $41.8M
1.7% - 24.Travelers Cas & Surety Co
- Policies
- —
- Premium
- $34.7M
1.4% - 25.DB Ins Co Ltd (US Branch)
- Policies
- —
- Premium
- $34.5M
1.4%
Residual market
Residual market
Insurer-of-last-resort exposure — the coverage carriers declined.
- Policies
- 417,310
- Exposure
- $429.8B
- Premium written
- $1.4B
Plans: FAIR / beach-plan stats (III · PIPSO) · as of 2024-12-31
Residual-market exposure aggregates FAIR plans, beach/windstorm pools, and state-run insurers of last resort from Insurance Information Institute (III · PIPSO) stat tables and state factbooks. Exposure and premium are stored in full dollars.
Methodology & sources
This explorer compiles filed and public-record insurance market data. It is a reference surface, not insurance advice — figures reflect what carriers and regulators have filed, with the vintage shown per source.
- Carrier market shareNAIC 50-state baseline + state DOI reports (latest filed year)
- Carrier market-share is computed within a single state and line from filed market data (NAIC 50-state baseline, state DOI market-share reports, and FL OIR QUASR). Share compares carriers inside one state/line only — it never sums premium across states, so earned-basis and written-basis filings are never mixed.
- Florida county presenceFL OIR QUASR county cut, latest report period
- Florida county carrier presence is the OIR QUASR county cut. Large Florida domestic carriers file their county data as trade secret under §624.4212, Fla. Stat., so they are absent here — the county view is not a complete market.
- Residual marketIII / PIPSO residual-plan stats (FY2024) + state factbooks
- Residual-market exposure aggregates FAIR plans, beach/windstorm pools, and state-run insurers of last resort from Insurance Information Institute (III · PIPSO) stat tables and state factbooks. Exposure and premium are stored in full dollars.
- Carrier-health watchNAIC GRID + state insolvency lists
- Receivership status is from NAIC GRID and state insolvency lists. We show the proceeding type and date as filed — this is a public record, not a judgment about a carrier's financial strength.
- ZIP cost & nonrenewalFIO federal homeowners filings, 2018–2022
- ZIP-level premium, loss, and nonrenewal figures are from the Federal Insurance Office (FIO) homeowners data filings, 2018–2022. Treasury withdrew the dataset; this is a recovered public mirror.
- Utah basis note
- Utah filings report direct premiums earned (not written); its share figures are earned-basis and not directly comparable to written-basis states.
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