Is CSAA (AAA Northern California) writing home insurance in California?

Taking new customers As of October 23, 2026; checked every day

Writing new policies for members; approved under the new rules in December 2025.

6.9% average rate change effective March 2026. CSAA says it already exceeds the required share in distressed areas and will offer quotes to some members now on the FAIR Plan. Home-hardening discount up to 12.5%; homes with the IBHS Wildfire Prepared Home designation that meet other conditions get a renewal guarantee of at least three years.

Commitment in wildfire-distressed areas: Maintain writing in distressed areas; offer quotes to some FAIR Plan members. No new-policy number published.

• Size: 6.5% of California homeowners premium (2025).
• Higher fire risk areas: the state's Home Insurance Finder lists it among companies that may write in higher fire risk areas in every California ZIP code. Each home is still underwritten on its own.
• Phone: 844-810-6077 · Website

Official Source (December 20, 2025). Rate changes from the Department of Insurance's approved-filings list.

What this means for you

CSAA (AAA Northern California) says it's writing new policies, but it still decides home by home. Call to ask about your address, or have an independent broker quote it alongside others.

Other insurers taking new customers

• Farmers: Writing new policies statewide; removed its monthly cap on new homeowners policies in November 2025.
• Mercury: Writing new policies; first insurer approved under the state's new rules, with the largest commitment.
• USAA: Members only; approved under the new rules and expanding access from January 2027.
• California Casualty: Committed to grow in California; a 6.9% rate change was approved in February 2026.
• Pacific Specialty: Committed to grow in California; approved with a 6.8% rate change effective July 2026.
• PURE (high-value homes): Expanding in California for high-value homes now in the non-admitted market or on the FAIR Plan.

Every large insurer, side by side: who's still writing home insurance in California. For your ZIP code, including smaller companies: look it up.

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