Selective Insurance Insurance in California

Selective Insurance, founded in 1926 and headquartered in Branchville, New Jersey, offers auto, home, renters, umbrella, and commercial insurance. Selective Insurance Group is a New Jersey-based super-regional carrier providing personal and commercial property-casualty coverage and flood insurance through independent agents, mainly in the Eastern and Midwestern U.S.

In California, drivers are required to carry minimum auto liability coverage of 15/30/5. California has low auto minimums but high average rates. Home insurance is heavily impacted by wildfire risk — many carriers have restricted coverage in fire-prone areas. The average auto insurance rate in California is $2,291 per year, though your actual rate with Selective Insurance may be higher or lower depending on your driving record, vehicle, and coverage level.

Selective Insurance is built for independent-agent buyers in the East. Comparing several carriers side by side is the surest way to find the best rate in California, whether you need basic liability or full coverage.

California also faces elevated wildfire and earthquake exposure, which affects how carriers price coverage here. When evaluating Selective Insurance in California, pay attention to deductibles for wind, hail, or wildfire — they can vary significantly between carriers and meaningfully change your out-of-pocket cost after a claim.