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California Insurance Information Portal

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Insurance in the State of California has been regulated since 1868, when the California Department of Insurance (CDI) was created. CDI is led by an Insurance Commissioner and its primary goal is to protect state’s resident consumers by regulating the insurers and the rates they offer to Californians. Besides overseeing all the lines of insurance sold in the state, CDI is also responsible for insurance education, insurer solvency, agent and insurer licensing services, consumer inquiries, market conduct examinations, anti-fraud functions, and much more.

California Department of Insurance is among the few states fully accredited by the National Association of Insurance Commissioners (NAIC).

CALIFORNIA INSURANCE 101

General information about the insurance industry in California

What is the Purpose of Insurance in California

The purpose of insurance in California is to protect businesses and individuals from personal risks, liability risks, or property risks that may otherwise lead to larger losses. Insurance contracts function to allow you (the insured) to transfer your risks to the insurance provider, by paying a fee (premium) for this protection.

What Organizations Provide Protection to Insurance Consumers in California and What Do They Do?

The State of California protects its residents on the insurance market in multiple ways. Besides the overall regulation through the California Department of Insurance (CDI), state guaranty associations also play a pivotal role in the stability of the industry as a whole.

How Insurance Works in California

Insurance in California is offered by the government, private, and public organizations...

The Most Important Insurance

The desire to feel safe and secure is one of the basic human needs. Insurance helps us do just that, by making sure that we ourselves, the people around us, and our stuff are covered, in case of an emergency, loss, or damage.

HELPFUL TIPS FOR FREQUENTLY-ASKED TOPICS

Things you should know about California insurance

How Do You Pay Insurance Premiums in California?

Payment options for insurance depend on the type of insurance, the insurer, and your credit history...

Top Insurance Companies in California

Top California insurers (by customer satisfaction and market share).

LINKS TO TRUSTED INSTITUTIONS

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CaliforniaStateInsurance.org is owned and operated by California Insurance Information Portal and is not affiliated with any government agency. It presents independent information for the purpose of providing consumers insight into obtaining the insurance coverage and working with the insurance company that best meets their needs, subject to underwriting. No mention of a specific insurance company or its prices is an offer for insurance, and all users and applicants shall be subject to any and all underwriting requirements by the insurance company to which they apply. The material on this website has been prepared for information and education purposes only. It is not intended to provide nor should it be relied upon for accounting, legal, tax, insurance coverage, or investment advice.