California Casualty Insurance Review 2025

Trusted Choice's California Casualty Insurance Score

2.75 Stars

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We award California Casualty a final rating of 2.75 out of 5 stars. The carrier has been in the industry for more than a century and is highly rated by the Better Business Bureau (BBB). However, the carrier's AM Best rating is lower than most, and dozens of complaints have been filed through the BBB in recent years.

Founded in 1914, California Casualty offers a wide variety of coverages for individuals, including auto insurance, home insurance, pet insurance, and personal umbrella insurance. The carrier originally offered workers' comp insurance to employees in its home state of California. Coverage is now available in seven states. Policies are not sold to the general public and are only available to public service workers, including police officers, educators, and healthcare workers.

California Casualty provides extended contact hours for customers during the week and on Saturdays, as well as online and 24/7 phone claims reporting. However, the carrier doesn't offer a mobile app. Its average home and auto insurance rates are also considerably more expensive than the current national average in most categories. So, overall, we recommend looking into several other options before California Casualty with the help of your independent insurance agent when selecting your next trusted carrier.

California Casualty Pros and Cons:

Pros:	Cons:
Longstanding carrier	Rated "B" (fair) by A.M. Best
Offers personal insurance	Rates are more expensive than average
Offers several types of coverage	Coverage is only available in seven states
Rated "A+" (excellent) by the Better Business Bureau (BBB)	Many recent customer complaints filed through the BBB
Several discounts available	Coverage isn't sold to the general public; only to educators, firefighters, police officers, and other public service workers
24/7 claims reporting

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

California Casualty Insurance Products by Type

California Casualty does not sell products to the general public. Insurance is only available for public service employees such as firefighters, police officers, healthcare workers, and educators. Here's an overview of the insurance products offered by California Casualty.

California Casualty Homeowners Insurance

Like its other products, homeowners insurance from California Casualty is only available for public service employees such as firefighters, police officers, healthcare workers, and educators. The carrier sells standard home insurance coverage, such as dwelling, personal property, liability, and additional living expenses. 

There are also various benefits available, including the following:

• Lost luggage coverage
• Unlawful use of debit or credit card coverage
• Identity theft defense coverage
• Excess liability coverage
• School violence death survivor benefit (for educators)
• Turnout gear coverage (for peace officers)
• Personally owned off-duty weapons theft coverage (for peace officers)
• Personally owned uniform coverage (for peace officers)
• Fallen hero or fallen officer survivor benefit (for peace officers)

The home insurance benefits offered by California Casualty vary based on the policyholder's profession. An independent insurance agent can help you find out more about which coverage benefits you may qualify for.

California Casualty Homeowners Insurance Average Prices

California Casualty's home insurance rates are more expensive than average. A home insurance policy with $300,000 in dwelling coverage from California Casualty averages $2,991 annually, which is 30% higher than the current national average of $2,304. Here are some average rates from California Casualty by dwelling coverage amount vs. the current national average rate.

California Casualty Average Home Insurance Prices by Dwelling Coverage Amount

California Casualty's average home insurance premiums were considerably higher than the national average in every dwelling coverage category we studied.

Methodology

To determine our average home insurance rates, we compared quotes for coverage using a sample customer who is 40 years old and married. The sample policy had $300,000 in dwelling coverage, $30,000 in other structures coverage, $150,000 in personal property coverage, $60,000 in loss of use coverage, $500,000 in liability coverage, and $1,000 in medical payments coverage. The sample insured home was less than 10 years old.

California Casualty Auto Insurance

California Casualty's auto insurance policies are also only available to public service workers in seven states, and its Mexico auto insurance policies are available to residents of Mexico. The carrier provides coverage for antique autos, classic autos, trailers, campers, and more. 

Some of the insurance company's auto insurance benefits are as follows:

• Gap insurance
• Pet injury coverage
• Custom or non-factory equipment coverage
• Identity theft protection coverage
• Foreign Exchange Program (for educators)
• Sabbatical return benefits (for educators)
• Turnout gear and firearms coverage (for firefighters and peace officers)
• Fallen hero or fallen officer survivor benefit (for firefighters and peace officers)
• Deductible waivers (for nurses, public safety professionals, and educators)

The car insurance benefits offered by California Casualty vary based on the policyholder's profession. An independent insurance agent can help you find out more about which coverage benefits you may qualify for.

California Casualty Auto Insurance Average Prices

California Casualty's auto insurance rates are a bit cheaper than average in certain categories. A full coverage auto insurance policy from California Casualty costs $2,372 annually and a minimum coverage policy costs $517. The current national average rate for a full coverage auto insurance policy is $2,458 annually, and a minimum coverage policy is $678. 

Here are some average annual car insurance rates from California Casualty by driver age.

California Casualty Average Car Insurance Prices by Driver Age

California Casualty's car insurance rates were cheaper than average for drivers aged 25 and 30. However, the carrier's car insurance rates for drivers aged 16, 18, and 20 were considerably higher than the current national average rate.

Methodology

Average rates for car insurance were based on a sample driver who is 40 years old and has a good credit score and clean driving record. The sample customer was quoted for an auto insurance policy with bodily injury liability coverage of $300,000 per accident and $100,000 per person, property damage liability coverage of $50,000 per accident, personal injury protection coverage of $100,000 per accident, and uninsured motorist bodily injury coverage of $300,000 per accident and $100,000 per person. The driver's collision and comprehensive coverages each had a $500 deductible.

What Discounts Does California Casualty Offer?

Here's a list of discounts offered on California Casualty's home insurance:

An independent insurance agent can provide better discount information and premium quotes for coverage through California Casualty. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.

California Casualty Customer Service

Here's a breakdown of California Casualty's customer service options and availability.

To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters so you can relax and enjoy your coverage.

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