California auto insurers: complaints, premium and penalties (2026)
California private-passenger auto premium, justified complaint counts and ratios, and a consent-order penalty, each figure taken from a California Department of Insurance publication. Retrieved 2026-10-18.
The table is the 12 private-passenger groups with the largest 2024 direct premium written in the Department's workbook, and every company in those groups. Group order follows that premium total. Companies inside a group are ordered by their own premium. The Department's complaint composite also prints a rank. That rank is not shown here.
Sheet total for private passenger auto, all companies: $43,643,503,124. The Department's comparison table rounds the same line to $43.6 billion for 2024.
| Group | Company | 2024 direct premium written | Share of sheet total | 2025 approximate exposures | Justified complaints 2025 | Justified complaints 2024 | Justified complaints 2023 | Ratio 2025 | Ratio 2024 | Ratio 2023 |
|---|---|---|---|---|---|---|---|---|---|---|
| STATE FARM GRP | State Farm Mut Auto Ins Co | $5,927,229,557 | 13.58% | 3,929,452 | 121 | 140 | 105 | 3.1 | 3.4 | 2.7 |
| Auto Club Enterprises Ins Grp | Interins Exch Of The Automobile Club | $4,327,999,778 | 9.92% | 3,108,768 | 41 | 39 | 35 | 1.3 | 1.3 | 1.2 |
| Auto Club Enterprises Ins Grp | Wawanesa Gen Ins Co | $736,599,388 | 1.69% | 520,110 | 6 | 3 | 7 | 1.2 | 0.6 | 1.3 |
| BERKSHIRE HATHAWAY GRP | Geico Gen Ins Co | $4,570,472,030 | 10.47% | 3,456,991 | 68 | 63 | 35 | 2.0 | 2.0 | 1.4 |
| BERKSHIRE HATHAWAY GRP | Geico Ind Co | $89,829,999 | 0.21% | 167,498 | 0 | 9 | 14 | 0.0 | 4.6 | 2.7 |
| ALLSTATE INS GRP | Allstate Northbrook Ind Co | $3,058,070,753 | 7.01% | 1,485,883 | 39 | 50 | 53 | 2.6 | 3.0 | 2.8 |
| ALLSTATE INS GRP | Integon Natl Ins Co | $560,992,612 | 1.29% | 533,737 | 41 | 38 | 67 | 7.7 | 9.2 | 14.9 |
| ALLSTATE INS GRP | Integon Preferred Ins Co | $239,779,892 | 0.55% | 191,016 | 41 | 74 | 15 | 21.5 | 53.9 | 12.6 |
| ALLSTATE INS GRP | Encompass Ins Co | $153,790,868 | 0.35% | 64,708 | 4 | 10 | 8 | 6.2 | 11.6 | 15.8 |
| ALLSTATE INS GRP | Esurance Prop & Cas Ins Co | $106,156,076 | 0.24% | |||||||
| ALLSTATE INS GRP | National Gen Ins Co | $32,392,072 | 0.07% | |||||||
| ALLSTATE INS GRP | Allstate Ins Co | $28,017,584 | 0.06% | 52,021 | 1 | 2 | 2 | 1.9 | 3.6 | 3.5 |
| ALLSTATE INS GRP | National Gen Assur Co | $25,412,387 | 0.06% | |||||||
| ALLSTATE INS GRP | Safe Auto Ins Co | $10,109,555 | 0.02% | |||||||
| ALLSTATE INS GRP | MIC Gen Ins Corp | $5,079,511 | 0.01% | |||||||
| ALLSTATE INS GRP | Century Natl Ins Co | $2,050,551 | 0.00% | |||||||
| FARMERS INS GRP | Farmers Ins Exch | $2,315,645,381 | 5.31% | 944,456 | 35 | 48 | 27 | 3.7 | 4.2 | 2.0 |
| FARMERS INS GRP | Coast Natl Ins Co | $458,162,647 | 1.05% | 233,610 | 13 | 11 | 2 | 5.6 | 4.8 | 1.3 |
| FARMERS INS GRP | 21st Century Cas Co | $443,023,543 | 1.02% | 236,034 | 26 | 174 | 0 | 11.0 | 91.3 | 0.0 |
| FARMERS INS GRP | Mid Century Ins Co | $437,840,113 | 1.00% | 202,638 | 3 | 6 | 5 | 1.5 | 2.5 | 1.8 |
| FARMERS INS GRP | Foremost Ins Co Grand Rapids MI | $57,363,675 | 0.13% | 77,697 | 0 | 3 | 2 | 0.0 | 3.7 | 1.9 |
| FARMERS INS GRP | 21st Century Centennial Ins Co | $5,171,709 | 0.01% | |||||||
| FARMERS INS GRP | Foremost Prop & Cas Ins Co | $866,322 | 0.00% | |||||||
| CSAA Ins Grp | CSAA Ins Exch | $3,614,563,575 | 8.28% | 2,281,506 | 36 | 34 | 11 | 1.6 | 1.5 | 0.5 |
| CSAA Ins Grp | CSAA Gen Ins Co | $54,463,707 | 0.12% | |||||||
| PROGRESSIVE GRP | United Financial Cas Co | $1,383,409,733 | 3.17% | 1,236,252 | 35 | 26 | 21 | 2.8 | 2.5 | 2.5 |
| PROGRESSIVE GRP | Drive Ins Co | $788,403,070 | 1.81% | 556,523 | 20 | 9 | 15 | 3.6 | 1.7 | 3.0 |
| PROGRESSIVE GRP | Progressive Select Ins Co | $670,209,290 | 1.54% | 337,462 | 15 | 12 | 11 | 4.4 | 3.2 | 3.0 |
| PROGRESSIVE GRP | Progressive Direct Ins Co | $82,021,102 | 0.19% | 162,367 | 1 | 2 | 1 | 0.6 | 1.3 | 0.7 |
| PROGRESSIVE GRP | Progressive Cas Ins Co | $40,192,588 | 0.09% | |||||||
| MERCURY GEN GRP | Mercury Ins Co | $2,495,344,706 | 5.72% | 1,535,043 | 19 | 26 | 36 | 1.2 | 1.7 | 2.2 |
| MERCURY GEN GRP | California Automobile Ins Co | $303,554,875 | 0.70% | 132,964 | 2 | 2 | 3 | 1.5 | 1.6 | 2.9 |
| MERCURY GEN GRP | Orion Ind Co | $26,633,669 | 0.06% | |||||||
| UNITED SERV AUTOMOBILE ASSN GRP | USAA Cas Ins Co | $713,974,151 | 1.64% | 528,111 | 14 | 16 | 11 | 2.7 | 3.1 | 2.2 |
| UNITED SERV AUTOMOBILE ASSN GRP | United Serv Automobile Assn | $499,222,874 | 1.14% | 388,762 | 9 | 18 | 8 | 2.3 | 4.7 | 2.1 |
| UNITED SERV AUTOMOBILE ASSN GRP | USAA Gen Ind Co | $486,780,912 | 1.12% | 357,371 | 12 | 9 | 14 | 3.4 | 2.8 | 5.0 |
| UNITED SERV AUTOMOBILE ASSN GRP | Garrison Prop & Cas Ins Co | $458,200,069 | 1.05% | 308,442 | 10 | 12 | 12 | 3.2 | 4.2 | 4.8 |
| Kemper Corp Grp | Infinity Ins Co | $1,870,686,237 | 4.29% | 1,489,336 | 39 | 60 | 93 | 2.6 | 4.1 | 5.4 |
| Kemper Corp Grp | Kemper Independence Ins Co | $7,822,198 | 0.02% | |||||||
| Kemper Corp Grp | Unitrin Direct Ins Co | $878,570 | 0.00% | |||||||
| Kemper Corp Grp | Infinity Select Ins Co | $206,570 | 0.00% | |||||||
| LIBERTY MUT GRP | Safeco Ins Co Of Amer | $627,706,171 | 1.44% | 393,414 | 17 | 11 | 8 | 4.3 | 3.1 | 2.2 |
| LIBERTY MUT GRP | Liberty Mut Fire Ins Co | $365,842,299 | 0.84% | 120,614 | 13 | 14 | 16 | 10.8 | 5.0 | 5.4 |
| LIBERTY MUT GRP | American States Preferred Ins Co | $35,936,692 | 0.08% | |||||||
| LIBERTY MUT GRP | Safeco Ins Co Of IL | $7,601,055 | 0.02% | |||||||
| LIBERTY MUT GRP | First Natl Ins Co Of Amer | $1,130,841 | 0.00% | |||||||
| AMERICAN FAMILY INS GRP | American Family Connect Prop & Cas I | $730,758,976 | 1.67% | 629,242 | 19 | 18 | 14 | 3.0 | 2.8 | 2.1 |
| AMERICAN FAMILY INS GRP | Midvale Ind Co | $81,369 | 0.00% |
Penalties and consent orders
$500,000 · 2026-08-05 · KEMPER INDEPENDENCE INSURANCE COMPANY | UNITRIN DIRECT INSURANCE COMPANY
The order states that the Department asserts the respondents violated Insurance Code section 1861.03(c)(1) by issuing nonrenewal notices to their PPA customers before submitting applications to surrender their Certificates of Authority.
Source: ca-cdi-nc-2025-00013, page 7. Retrieved 2026-10-18.
Sources on this page
- 2024 CA Property & Casualty Market Share and the PPA sheet of the insurers workbook. Retrieved 2026-10-18.
- Automobile Complaint Composite Report. Retrieved 2026-10-18.
- NC-2025-00013 stipulation and consent order. Retrieved 2026-10-18.
Download a sample CSV (California, 12 groups).