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California Casualty Insurance review: Car and home

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California Casualty Insurance was founded in 1914 and has been selling insurance policies for over 100 years. The company’s mission is to protect people that serve the community, which is why California Casualty Insurance only sells insurance coverage to educators, higher education employees, firefighters, law enforcement officers and nurses. This California Casualty Insurance review may help you decide whether this company is right for you.

Despite what the name suggests, California Casualty sells insurance in every state except Alaska, Hawaii, Massachusetts, Michigan, New York and Wisconsin.

  • Date established: 1914
  • Insurance products offered: Auto, home, life, renters and personal umbrella
  • AM Best financial strength rating: B+ (Good)
Pros Cons
It offers a wide array of policy types such as coverage for mobile homes, snowmobiles, recreational vehicles, and boats. Full coverage policies are much more expensive than average.
Policies cater to educators, firefighters, law enforcement officers and nurses. Policies have limited availability based on occupation.
The company offers an easy-to-use online platform for policy management and bill payment. Policies aren’t available in every state.

California Casualty car insurance

California Casualty car insurance stands out for offering insurance policies only to firefighters, law enforcement, nurses and educators and higher education employees. The company’s unique coverage options, many of which are designed with teachers and first responders in mind, cater directly to this group. In addition, the company offers a list of great discounts that can help qualifying drivers save money on their policies. The website lacks online tools or resources, but it does contain helpful information about what the policies cover.

Types of coverage

Like most companies, California Casualty Insurance offers standard coverage options such as liability, comprehensive, collision, medical payments and uninsured and underinsured motorist coverage. If you’re interested in additional coverage types, California Casualty offers several options, including:

  • Pet injury coverage: If your pet is injured in a covered car accident, pet injury coverage pays out to help cover vet costs.
  • Turnout gear and firearms coverage: This coverage pays out to cover stolen, damaged or destroyed firefighter and law enforcement gear and/or firearms that you store in your vehicle.
  • Custom/non-factory equipment coverage: This coverage is intended to insure any parts and devices that aren’t from your vehicle’s original manufacturer that get damaged or need replacement after a covered loss..

In addition to these coverage types, California Casualty offers loan/lease payoff coverage, a foreign exchange program, sabbatical return benefits and a fallen hero/fallen officer survivor benefit.

Cost of California Casualty car insurance

A car insurance policy from California Casualty is typically expensive for most drivers. The average driver pays $2,357 annually for a full coverage policy from California Casualty and $605 for a minimum coverage policy. In comparison, the average cost of full coverage car insurance in the U.S. is $1,674 per year.

Average annual premium for minimum coverage Average annual premium for full coverage
$605 $2,357

Drivers looking for cheap car insurance could probably find a more affordable policy elsewhere. However, California Casualty states on their website that “Protection isn’t about price…It’s about peace of mind.” The company’s mission is to provide select groups that serve the community with excellent coverage.

In addition, keep in mind that every driver pays a different rate for their car insurance. Insurance companies factor in characteristics such as your location, driving record and claims history to determine your car insurance rate.

Discounts

California Casualty auto insurance has a 12-month rate lock guarantee for every policy. Additionally, drivers can access several discounts to save money, such as multi-policy, multi-car, good student and senior driver discounts. In addition to these standard discounts, the company offers a few less common discounts such as:

  • Mature driver: Drivers over a certain age may qualify for savings. You may want to check with your insurance agent to see if you qualify.
  • College graduate: If you hold a degree from an accredited college or university, you may qualify for additional savings.

California Casualty home insurance

California Casualty may be one of the best home insurance companies for certain types of essential workers, as its policies are designed especially for law enforcement officers, firefighters, nurses and educators. Customers can choose from a variety of add-on coverage types that most other insurance companies do not offer, and there are also several discounts available.

Types of coverage

California Casualty home insurance offers common policy types including dwelling, personal property, liability, medical payments and additional living expenses coverage. The company also offers unique additional coverage types geared towards its clientele, including.

  • Fallen hero/fallen officer survivor benefit: If a policyholder who is a firefighter or law enforcement officer dies in the line of duty, their loved ones could receive a death benefit.
  • Off-duty weapons theft coverage: Law enforcement officers and firefighters can get up to $5,000 in coverage for stolen, personally-owned off-duty weapons.

Additional home insurance coverage types include lost luggage coverage, debit or credit card coverage, personal property used in teaching coverage, school violence death survivor benefit and educators excess liability coverage.

Discounts

California Casualty home insurance offers many of the same savings opportunities that other insurance companies have, including discounts for multi-policy and home alert protection. In addition, qualifying policyholders may be interested in the following discounts:

  • Non-smoker discount: If you refrain from smoking in the house, you may qualify for added savings.
  • Fire alarm/extinguisher discount: If you have measures in place to fight a potential fire, you may qualify for this discount.

Reasons why California Casualty is a good option

California Casualty is one of the most unique insurance companies on the market. It may be a great option for law enforcement officers, firefighters, nurses or educators. People in these jobs could access specialized coverage tailored to provide them with added peace of mind.

However, California Casualty serves a very niche market. Most people shopping for auto or homeowners insurance will not qualify for coverage through the company if they do not meet eligibility requirements through their occupation. Additionally, this provider likely won’t be ideal for people who are looking for cheap insurance. The company’s average full coverage auto insurance policy costs $683 more per year than the national average annual cost of full coverage auto insurance.

California Casualty ratings, reviews, customer satisfaction and complaints

California Casualty reviews are mixed across the board. The company has a B+ rating from AM Best, indicating ‘Good’ financial strength. In comparison, most of the largest insurance companies, like Nationwide and Geico, have financial strength scores of A (Excellent) or better.

California Casualty is not rated by J.D. Power or Standard & Poor’s (S&P). Additionally, the National Association of Insurance Commissioners (NAIC) does not report any consumer complaints for the company in 2020.

Additional policies offered by California Casualty

In addition to auto and home insurance, California Casualty offers the following insurance policies:

  • Motorcycle insurance
  • RV insurance
  • Boat insurance
  • Snowmobile insurance
  • Renters insurance
  • Condo insurance
  • Mobile home insurance
  • Earthquake insurance
  • Flood insurance
  • Personal umbrella insurance
  • Pet insurance

Frequently asked questions:

What is the best auto insurance company?

The best auto insurance company depends on each driver’s unique needs, preferences and personal characteristics. An insurance agent can help you decide what type of policy you want, and provide you with a list of car insurance companies that offer that policy type. From there, you may want to compare quotes from multiple providers. Each company will calculate your rate differently, depending on your personal characteristics. You may also want to research each company’s third-party ratings for customer service, financial strength and claims service.

What is the best home insurance company?

Like with car insurance, the best home insurance company depends on your preferences and characteristics. If you’re a high-net worth individual, certain companies will cater to your needs specifically. If you care most about customer service, you may want to choose a provider with a high J.D. Power customer satisfaction score. If you care about getting the lowest premium, you may want to compare rates from multiple providers until you find the cheapest option. A licensed insurance agent will likely be able to help you with this process. .

Where is California Casualty Insurance available?

California Casualty Insurance is available in most states. Customers can purchase insurance in every state except Alaska, Hawaii, Massachusetts, Michigan, New York and Wisconsin. However, keep in mind that some coverage types and discounts are not available in every state.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a cleaning driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Lizzie Nealon
Insurance Writer
Lizzie Nealon is a former insurance writer for Bankrate. Her favorite part of the job is making home, auto and life insurance digestible for readers so they can prepare for the future.
Edited by
Insurance Editor