This explainer was originally published by our news partners CalMatters. Be prepared for California’s primary: Sign up for CalMatters' free election newsletter and be the first to know when they update the CalMatters 2026 Voter Guide with information on key primary races.
Picking the next insurance commissioner could be one of the most important decisions Californians make for their wallets this election year.
They may have seen a big increase in their insurance premiums in the past couple of years. They might know someone whose homeowners policy got canceled. Or perhaps they’re trying to rebuild after last year’s deadly Los Angeles County fires.
What does an insurance commissioner do?
If you’re not sure what the insurance commissioner does, here’s a rundown:
- Regulates the nation’s largest property and casualty insurance market, which includes policies for homeowners, businesses, landlords, renters and drivers.
- Leads the Insurance Department, which reviews and approves premium rate increases.
- Regulates life, health and workers’ compensation insurance.
Big picture
Whoever is elected to succeed Commissioner Ricardo Lara will have a long to-do list. For the past few years, insurance companies have paused writing homeowner policies or reduced their presence in California. That’s starting to change because of industry-friendly regulations Lara put in place, but premiums are still rising and the market cannot be described as healthy yet.
The L.A.-area fires last year highlighted other problems, such as homeowners dealing with insurers delaying or denying claims, discovering they were underinsured, or finding out there are no standards for smoke-damage claims. Frustrated fire survivors called for Lara to step down.
In a recent poll commissioned by the Insurance Fairness Project, a national insurance information hub, 62% of likely voters said they are very concerned about the cost of home insurance and 43% said they are not confident at all that California’s insurance system can withstand future extreme weather disasters.
Former insurance commissioner John Garamendi, who held the position two separate times and is now a U.S. congressmember, calls the commissioner job the second-hardest in the state behind the governor. Another former commissioner, Dave Jones, said the next commissioner needs to keep a closer eye on insurance companies and regularly examine their conduct, creating “clear enforcement triggers.” He worked on a blueprint with recommendations galore for Lara’s successor.
About a dozen candidates are officially vying for the position, though not all of them have active campaigns. The two who receive the most votes in June’s primary will move on to the November ballot.
CalMatters interviewed the five candidates who have raised the most money for their campaigns.
All of them are calling for more transparency and accountability from insurance companies within the law that governs insurance in the state, Proposition 103. They want to help reduce fire risk at the individual and community level. Most of them agree California should try to hold the fossil-fuel industry accountable for climate risks that are helping drive up insurance costs.
They want to reduce Californians’ dependence on the FAIR Plan, the insurer that’s mandated to sell fire insurance to those who can’t buy it from individual insurance companies. At the end of 2025, the plan had nearly 650,000 noncommercial dwelling policies, up from about 264,000 in 2022.
The candidates
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| Ben Allen |
- Party: Democratic
- Professional background:
- Current state senator who will be termed out of the Legislature, where he has worked on environmental issues
- Lawyer
Allen, a Democrat, would take a more comprehensive approach to risk reduction, including by creating funding sources such as state-backed loans for hardening homes, and by bringing together insurers, builders, local governments, firefighters and the state to work on solutions. As part of reducing risk, he wants to restrict new construction in high-risk zones, saying developers who are building in such areas are “basically freeloading off the rest of us.” He also wants to “carefully and sensitively” find a way to incentivize those already living in risky areas to move elsewhere.
The senator — a lawyer who will be termed out of the Legislature, where he has worked on environmental issues — said his eyes are wide open about how tough the job would be, but believes he has and can create the relationships needed, including with an incoming governor, to address the issues. On the role of intervenors, members of the public who can challenge insurers’ rate reviews, he indicated he needed to look into it further and that they shouldn’t be slowing down rate reviews — adopting a refrain by the current commissioner, who is seeking to reduce intervenors’ power.
He has received the most endorsements from the who’s-who of state politics, including Senate President Pro Tem Monique Limón and Assembly Speaker Robert Rivas, both U.S. senators from California, Adam Schiff and Alex Padilla, and more than two dozen state lawmakers. Jones, the former commissioner, also endorsed him.
Photo courtesy of the California State Senate Archive
| Steven Bradford |
- Party: Democrat
- Professional background:
- Former Southern California senator and assemblymember
- Former executive at the utility company Southern California Edison
The Democrat, a former executive at the utility company Southern California Edison, would invite insurance companies “to the table” when discussing land use and planning, and support a voluntary buyout program to encourage people to move away from high-risk areas.
He said funding could come from expanding an existing program in the insurance department called the California Organized Investment Network, which is backed by the insurance industry and invests in underserved communities, environmentally friendly and affordable housing projects, and more. Insurers’ investments in the program have grown from tens of millions of dollars to more than $1 billion in 2023, according to the commissioner’s annual report in 2024.
Bradford would push insurers for clear explanations when they raise rates, saying it won’t be easy but that because the state’s insurance market is so big, it “would behoove them to do what they can to be partners with California.”
He is endorsed by U.S. Reps. Adam Gray and Luz Rivas, state Treasurer Fiona Ma and Secretary of State Shirley Weber, plus Teamsters California, State Building and Construction Trades Council of California and other labor groups.
| Merritt Farren |
- Party: Republican
- Professional background:
- Former Amazon
- Disney executive
Farren, a Republican, would create CAL Reinsure so the state could provide a backstop for insurers. The entity would be funded by a fee charged by insurers and would eliminate the need for the FAIR Plan because companies would be more inclined to write policies, he told CalMatters. The authority could issue bonds that could be sold in the commercial market, and would be backed by the state, like municipal bonds.
He would want to “revamp” regulations that get in the way of allowing new insurance products in the market, saying that he wishes insurers had a premium product that charged customers more but would “pay out immediately on loss without putting them through the drama and trauma they have to go through today.”
Farren said he sees the commissioner’s job as one of consumer advocacy, and invoked his days at Amazon, where he says the motto was to be the most customer-centric company in the world. “You can be a consumer advocate and still appreciate the fact that there will be no insurance for consumers without insurance companies,” he said.
| Jane Kim |
- Party: Democrat
- Professional background:
- Lawyer
- Consumer advocate
- Former San Francisco supervisor
- California Director for the Working Families Party
Kim, a Democrat and head of the California Working Families Party, has three main proposals around more government involvement, the main one to create “natural disaster insurance for all.” It would be funded by a portion of policyholder premiums that insurance companies would pass along to the state. The state would manage the fund, which would guarantee fire and flood coverage. Insurance companies would continue to provide coverage for other risks. It’s not her idea — New Zealand has the same system, and it allows the country to invest the premiums in preventive measures, she said. Establishing such a system in California could allow the state to invest profit from premiums that would have gone to insurers’ shareholders in its communities instead, she said.
She would establish a public option for auto insurance by expanding eligibility for an existing program that provides low-cost insurance to drivers who make less than $38,000 a year.
Kim also wants to provide Medicare for kids. She believes California should centralize all insurance authority within the insurance department instead of having managed health care handled by the Managed Health Care Department.
She acknowledges that her biggest ideas are for the long term and will require her to win over naysayers.
“I’ve heard it — ‘She doesn’t know anything,’ ” Kim said. “We’re all so tired of seeing candidates that don’t have political courage.”
Kim is endorsed by some big names, including U.S. Sen. Bernie Sanders of Vermont — she was California political director for his presidential campaign in 2020 — Ro Khanna, the Silicon Valley congressmember, and unions such as SEIU California, the California Teachers Association and the UFCW Western States Council.
| Patrick Wolff |
- Party: Democrat
- Professional background:
- Financial analyst
- Has never held public office
- Obtained an insurance license ahead of his run for commissioner
Wolff would create a report card that would grade how insurers handle claims based on existing market conduct annual surveys of insurance companies, which is now anonymized but which he would push to be identifiable. He said that would let the insurance department help customers decide which insurers to reward or punish for their behavior.
He would consider allowing auto insurers to use telematics, which companies use in other states to track driver behavior for underwriting purposes. He said it could help for more accurate underwriting and possibly even lower auto insurance premiums, but acknowledged privacy concerns around the technology and said insurance companies should be prohibited from sharing or selling driver information.
Wolff would roll out a dashboard that would disclose complaints about providers of life insurance. The insurance department is not making that data public, and he doesn’t see why not, he said.
