11 carriers raised California homeowners rates by up to 35% in 2026 — you may be overpaying. Homeowners rate hikes hit at renewal — the fastest way to stop overpaying is to compare carriers for your ZIP.
Carriers that raised California home rates in 2026
| Carrier | Filed avg | Effective | Source |
|---|---|---|---|
| State Farm State Farm General Insurance Company | +17.0% wanted +30% | — | SERFF #SFMA-134139896 ↗ |
| CSAA / AAA Interinsurance Exchange Of The Automobile Club | +3.3% | — | SERFF #IACA-134917540 ↗ |
| Progressive ASI Select Insurance Corp (Progressive/ASI home) | +31.9% | Jan 6, 2026 | SERFF #AMSI-134422446 ↗ |
| Wawanesa Wawanesa General Insurance Company | +7.0% wanted +9.8% | Jan 26, 2026 | SERFF #WAWA-134541978 ↗ |
| USAA USAA / Casualty / General Indemnity / Garrison | +6.9% | Feb 6, 2026 | SERFF #USAA-134678224 ↗ |
| Pacific Specialty Pacific Specialty Insurance Company | +6.8% | Feb 6, 2026 | SERFF #PERR-134651358 ↗ |
| California Casualty California Casualty Indemnity Exchange | +6.9% | Feb 17, 2026 | SERFF #CALC-134655443 ↗ |
| Cincinnati Cincinnati Insurance Company | +35.0% | Mar 10, 2026 | SERFF #CNNB-134530349 ↗ |
| Farmers Farmers Insurance Exchange / Fire / Mid-Century | +1.5% wanted +7% | May 11, 2026 | SERFF #FARM-134749344 ↗ |
| Mercury California Automobile Insurance Company (Mercury) | +6.9% | Jun 2, 2026 | SERFF #MERY-134655346 ↗ |
| National General Integon National Insurance Company | +4.0% | Jun 4, 2026 | SERFF #GMMX-134656587 ↗ |
Are you actually getting the new rate?
Approved changes are statewide averages, and they reach your policy at renewal. A cut often reaches new buyers first; a hike lands on your next renewal notice. Re-shopping is the only way to know you’re on the best current price for your home.
Figures are filed/approved statewide-average changes from each state’s Department of Insurance (CA via CDI, TX via data.texas.gov, others via SERFF). Individual rates vary by home, roof age, and risk. Each filing links to its source. Not a quote.