California carrier
Farmers Insurance home insurance in California
Farmers Insurance is actively writing new California home business. It is committed to the state's Sustainable Insurance Strategy.
Status
Removed monthly new-policy cap Nov 2025; SIS-committed. Structure: reciprocal inter-insurance exchange (Farmers 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 Farmers Insurance appears in the filed-rate survey
Counties where Farmers Insurance (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 Mateo County | $1,100 |
| Sonoma County | $1,110 |
| San Francisco County | $1,163 |
| Napa County | $1,237 |
| Kings County | $1,247 |
| Santa Clara County | $1,247 |
| Yolo County | $1,260 |
| Monterey County | $1,357 |
| Santa Cruz County | $1,390 |
| Stanislaus County | $1,415 |
| San Joaquin County | $1,437 |
| Solano County | $1,474 |
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 Mateo County — $1,100
- Sonoma County — $1,110
- San Francisco County — $1,163
- Napa County — $1,237
- Kings County — $1,247
CDI §12959 premium survey, $625,000 dwelling; filed premiums are not quotes.
Priciest filed counties
REAL- Modoc County — $3,031
- Siskiyou County — $2,928
- Trinity County — $2,924
- San Bernardino County — $2,857
- Alpine County — $2,785
CDI §12959 premium survey, $625,000 dwelling; filed premiums are not quotes.
Frequently asked
Is Farmers Insurance writing new home insurance in California?
As of June 2026, Farmers Insurance is actively writing new California home business. Carrier appetite changes frequently and varies by address and wildfire risk.
Is Farmers Insurance part of California's Sustainable Insurance Strategy?
Yes. Farmers Insurance is among the insurers that committed to writing more policies in higher-risk areas under California's Sustainable Insurance Strategy.
What does Farmers Insurance charge for home insurance in California?
Where Farmers Insurance appears in the CDI filed-rate survey ($625,000 dwelling), its premiums range from $1,100 to $3,031 a year across 58 counties.
Where is Farmers Insurance cheapest in California?
In the CDI §12959 filed-rate survey ($625,000 dwelling), Farmers Insurance's cheapest county is San Mateo County at $1,100 a year; its priciest is Modoc County at $3,031. 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