California carrier
Mercury Insurance home insurance in California
Mercury Insurance is actively writing new California home business. It is committed to the state's Sustainable Insurance Strategy.
Status
Among first SIS filings; actively quoting incl. some distressed areas. Structure: publicly traded stock company, NYSE: MCY.
Source: CDI / state press on SIS commitments (carriers.json, reviewed June 2026). Status is statewide and not a guarantee for any address.
Where Mercury Insurance appears in the filed-rate survey
Counties where Mercury 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 |
|---|---|
| Santa Clara County | $433 |
| Humboldt County | $451 |
| San Luis Obispo County | $466 |
| Trinity County | $479 |
| Monterey County | $482 |
| Solano County | $482 |
| Nevada County | $485 |
| Ventura County | $487 |
| Kings County | $495 |
| Sutter County | $495 |
| Merced County | $501 |
| Madera County | $503 |
Matched on company name in the CDI survey; shown where the match is clear. CDI §12959, effective 2026-05-01.
Cheapest filed counties
REAL- Santa Clara County — $433
- Humboldt County — $451
- San Luis Obispo County — $466
- Trinity County — $479
- Monterey County — $482
CDI §12959 premium survey, $625,000 dwelling; filed premiums are not quotes.
Priciest filed counties
REAL- San Francisco County — $1,124
- Alpine County — $1,004
- Mariposa County — $805
- Inyo County — $801
- Alameda County — $756
CDI §12959 premium survey, $625,000 dwelling; filed premiums are not quotes.
Frequently asked
Is Mercury Insurance writing new home insurance in California?
As of June 2026, Mercury Insurance is actively writing new California home business. Carrier appetite changes frequently and varies by address and wildfire risk.
Is Mercury Insurance part of California's Sustainable Insurance Strategy?
Yes. Mercury Insurance is among the insurers that committed to writing more policies in higher-risk areas under California's Sustainable Insurance Strategy.
What does Mercury Insurance charge for home insurance in California?
Where Mercury Insurance appears in the CDI filed-rate survey ($625,000 dwelling), its premiums range from $433 to $1,124 a year across 58 counties.
Where is Mercury Insurance cheapest in California?
In the CDI §12959 filed-rate survey ($625,000 dwelling), Mercury Insurance's cheapest county is Santa Clara County at $433 a year; its priciest is San Francisco County at $1,124. 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