California carrier
USAA home insurance in California
USAA is actively writing new California home business. It is committed to the state's Sustainable Insurance Strategy.
Status
Eligibility note: Military community membership required
SIS-committed; eligibility limited to military-affiliated households. Structure: reciprocal inter-insurance exchange (Texas-domiciled).
Source: CDI / state press on SIS commitments (carriers.json, reviewed June 2026). Status is statewide and not a guarantee for any address.
Where USAA appears in the filed-rate survey
Counties where USAA (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 |
|---|---|
| Alameda County | $1,192 |
| Merced County | $1,217 |
| San Mateo County | $1,225 |
| Yolo County | $1,230 |
| Placer County | $1,237 |
| Santa Clara County | $1,237 |
| Sutter County | $1,239 |
| San Benito County | $1,244 |
| Shasta County | $1,246 |
| San Joaquin County | $1,249 |
| Monterey County | $1,254 |
| San Francisco County | $1,257 |
Matched on company name in the CDI survey; shown where the match is clear. CDI §12959, effective 2026-05-01.
Cheapest filed counties
REAL- Alameda County — $1,192
- Merced County — $1,217
- San Mateo County — $1,225
- Yolo County — $1,230
- Placer County — $1,237
CDI §12959 premium survey, $625,000 dwelling; filed premiums are not quotes.
Priciest filed counties
REAL- Tuolumne County — $4,528
- Riverside County — $4,203
- Mariposa County — $4,123
- El Dorado County — $4,032
- Calaveras County — $4,022
CDI §12959 premium survey, $625,000 dwelling; filed premiums are not quotes.
Frequently asked
Is USAA writing new home insurance in California?
As of June 2026, USAA is actively writing new California home business. Carrier appetite changes frequently and varies by address and wildfire risk.
Is USAA part of California's Sustainable Insurance Strategy?
Yes. USAA is among the insurers that committed to writing more policies in higher-risk areas under California's Sustainable Insurance Strategy.
What does USAA charge for home insurance in California?
Where USAA appears in the CDI filed-rate survey ($625,000 dwelling), its premiums range from $1,192 to $4,528 a year across 58 counties.
Where is USAA cheapest in California?
In the CDI §12959 filed-rate survey ($625,000 dwelling), USAA's cheapest county is Alameda County at $1,192 a year; its priciest is Tuolumne County at $4,528. 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