California carrier
CSAA (AAA NorCal) home insurance in California
CSAA (AAA NorCal) is actively writing new California home business. It is committed to the state's Sustainable Insurance Strategy.
Status
Among first SIS cat-model filings; AAA membership required. Structure: reciprocal insurance exchange.
Source: CDI / state press on SIS commitments (carriers.json, reviewed June 2026). Status is statewide and not a guarantee for any address.
Where CSAA (AAA NorCal) appears in the filed-rate survey
Counties where CSAA (AAA NorCal) (or its group) appears in the CDI §12959 survey, cheapest first. Filed premium for a $625,000 dwelling — actual measured data.
| County | Filed premium / yr |
|---|---|
| San Luis Obispo County | $678 |
| Los Angeles County | $795 |
| Santa Barbara County | $795 |
| Ventura County | $822 |
| Orange County | $845 |
| Tulare County | $994 |
| Riverside County | $1,064 |
| Yolo County | $1,108 |
| Inyo County | $1,121 |
| Mono County | $1,138 |
| San Diego County | $1,145 |
| Colusa County | $1,162 |
Matched on company name in the CDI survey; shown where the match is clear. CDI §12959, effective 2026-05-01.
Cheapest filed counties
REAL- San Luis Obispo County — $678
- Los Angeles County — $795
- Santa Barbara County — $795
- Ventura County — $822
- Orange County — $845
CDI §12959 premium survey, $625,000 dwelling; filed premiums are not quotes.
Priciest filed counties
REAL- Imperial County — $1,347
- San Bernardino County — $1,285
- Napa County — $1,272
- Mendocino County — $1,272
- Santa Cruz County — $1,270
CDI §12959 premium survey, $625,000 dwelling; filed premiums are not quotes.
Frequently asked
Is CSAA (AAA NorCal) writing new home insurance in California?
As of June 2026, CSAA (AAA NorCal) is actively writing new California home business. Carrier appetite changes frequently and varies by address and wildfire risk.
Is CSAA (AAA NorCal) part of California's Sustainable Insurance Strategy?
Yes. CSAA (AAA NorCal) is among the insurers that committed to writing more policies in higher-risk areas under California's Sustainable Insurance Strategy.
What does CSAA (AAA NorCal) charge for home insurance in California?
Where CSAA (AAA NorCal) appears in the CDI filed-rate survey ($625,000 dwelling), its premiums range from $678 to $1,347 a year across 58 counties.
Where is CSAA (AAA NorCal) cheapest in California?
In the CDI §12959 filed-rate survey ($625,000 dwelling), CSAA (AAA NorCal)'s cheapest county is San Luis Obispo County at $678 a year; its priciest is Imperial County at $1,347. Filed premiums are not quotes.
Next step
Check your exact address and see the FAIR Plan + DIC fallback. When you’re ready to shop, a licensed California broker can compare carriers for you. We provide estimates only — never quotes.
Check your address or find consumer help from the California Department of Insurance