California Casualty Insurance review 2025

California Casualty car insurance is available to teachers, firefighters, nurses, law enforcement officers and other qualifying public service workers across seven states. In addition to the car insurance basics, drivers can also insure their antique or classic cars, trailers, campers, snowmobiles, motorcycles, RVs, golf carts and road-registered dune buggies. Policies are also somewhat customizable with extra benefits like pet injury coverage, gap insurance, up to $500 in personal property coverage and custom parts coverage. However, not every coverage option is available in every state where California Casualty writes auto policies.

Like the best car insurance companies, California Casualty Insurance offers standard coverage options such as liability, comprehensive, collision, medical payments and uninsured and underinsured motorist coverage. If you’re interested in additional coverage types, California Casualty offers several options, including some specific to essential workers. Law enforcement officers may appreciate turnout gear and firearms coverage, which pays out to cover stolen, damaged or destroyed firefighter and law enforcement gear and/or firearms stored in the vehicle, as well as custom/non-factory equipment coverage to insure any parts and devices that aren’t from the vehicle’s original manufacturer that get damaged or need replacement after a covered loss.

Pros and cons of California Casualty car insurance

When shopping for car insurance, comparing car insurance companies and requesting quotes can help direct you toward the best choices for your needs. Here’s a quick summary of California Casualty car insurance to help you decide:

California Casualty may be one of the best homeowners insurance companies for law enforcement officers, firefighters, nurses and educators. Customers can choose from various add-on coverage types that most other insurance companies do not offer, and several discounts are available. Unique coverage types with California Casualty include a fallen hero/fallen officer survivor benefit for policyholders in firefighting or law enforcement who pass away in the line of duty and off-duty weapons theft coverage for up to $5,000 in coverage for stolen, personally owned off-duty weapons.

Additional home insurance coverage types include lost luggage coverage, debit or credit card coverage, personal property used in teaching coverage, school violence death survivor benefit (in some states) and educators' excess liability coverage.

Pros and cons of California Casualty homeowners insurance

Understanding the pros and cons of a home insurance company can help you while shopping for home insurance. Here are some pros and cons of California Casualty home insurance to help you more easily compare this company with other insurers:

Finding the best insurance for your needs means shopping around to see what different carriers offer, especially if you’re looking for cheap car insurance or an affordable home policy. If you’re on the fence about California Casualty, here are some other carriers to consider when requesting a car  or home insurance quote:

Bankrate’s insurance experts put together this California Casualty Insurance review to help you decide whether this company is right for you. The company’s mission is to protect people who serve the community, which is why California Casualty Insurance tailors its insurance coverage to educators, higher education employees, firefighters, law enforcement officers and nurses. If you are in these professions and want access to its specialized coverage and benefits, California Casualty may be a good fit. However, its customer service is not available 24/7 like some competitors, and its average home insurance rates are significantly higher than the national average. Plus, it does not have a mobile app, which could be an issue for some.

What are real-life customers saying about California Casualty?

In order to get a pulse on what actual customers think about the company, our team looked at California Casualty reviews from across the web. Like with many other insurance companies, the general consensus around the company was a mix of positive and negative. Many customers appreciated the company’s customer service and low prices. But, some claimed that customer service was slower than they would prefer. Multiple other Trustpilot users were unhappy with steep car insurance rate increases when their policy was renewed.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

California Casualty company details

• Customer service: 1-800-800-9410, Monday through Friday from 6 a.m. to 6 p.m. PT, and Saturday from 8 a.m. to 1 p.m. PT
• Claims: Claims can be filed online or by dialing 1-800-800-9410, option 4, or mailed to P.O Box 39700, Colorado Springs, CO 80949-9700
• Website: www.calcas.com

State availability

California Casualty insurance is only available in AZ, CA, CO, ID, KS, OR and WY.

California Casualty tools and benefits

California Casualty may be known for its home and auto insurance, but it also offers other insurance products, including:

• Mexico tourist auto insurance: California Casualty offers car insurance for U.S. drivers headed to Mexico through its partnership with Mexpro Insurance Professionals.
• Personal umbrella insurance: This policy provides an additional layer of liability coverage to your underlying personal insurance policies, such as home and car insurance.
• Recreational vehicles insurance: California Casualty may be able to insure these vehicles whether you have a boat, snowmobile or RV.
• Pet insurance: California Casualty offers pet insurance, which is essentially health insurance for your animals.

Frequently asked questions about California Casualty

Bankrate utilizes Quadrant Information Services to analyze February 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region.

Auto

Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket, single at-fault accident and single DUI conviction.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Homeowners

Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

• Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.