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Insurance Commissioner

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State of California

Insurance Commissioner

This person regulates insurance companies in California. They also oversee insurance policies and rates.

Whoever wins this office inherits California's insurance crisis. Insurers are leaving wildfire zones. The state FAIR Plan has grown far past what it was built for. The November 3 runoff is between two Democrats, Jane Kim and Ben Allen. So this is a choice of approach, not party.

The Commissioner approves or rejects insurance rates and polices insurer conduct for a four-year term — decisions that determine whether coverage in wildfire zones is available and affordable, and how far the FAIR Plan safety net stretches.

Kim's theory: the industry has captured its regulator, so refuse its money and build public backstops. Allen's theory: the market is broken because rate review is too slow, so fix the machinery and lure insurers back. Ask which failure you fear more — a regulator too cozy with industry, or one industry won't work with.

Jane Kim

Jane Kim is a Democrat and a civil rights attorney. They are a former San Francisco supervisor. Until recently they were California director of the Working Families Party. They pledge to take no money from the insurance industry. They also pledge to push a state Disaster Insurance for All program.

Ben Allen

Ben Allen is a Democrat and has been a State Senator since 2014. He has authored more than 90 laws, including the nation's most sweeping plastics reduction law. His plan is to cut rate review from years to months. He also plans to shore up the FAIR Plan and rebuild the private market.

Financial info

Jane Kim

Primary — $882,021

$882,021raised
  • Small donors$38,3995%
  • Individuals$527,44063%
  • PACs & committees$216,45026%
  • Businesses & other orgs$36,4004%
  • Self-funding$23,5003%

November — $151,626

$151,626raised
  • Individuals$131,82687%
  • Businesses & other orgs$9,8006%
  • Self-funding$10,0007%

Ben Allen

Primary — $1,924,589

$1,924,589raised
  • Small donors$4,413<1%
  • Individuals$861,84245%
  • PACs & committees$606,65432%
  • Businesses & other orgs$446,35023%

November — $109,535

$109,535raised
  • Individuals$59,03554%
  • PACs & committees$36,50033%
  • Businesses & other orgs$14,00013%

Figures are CA Form 460 filings through June 30, 2026 by committees controlled by each candidate, and can include transfers from a candidate's earlier committees. Semi-annual reports covering January–June 2026 were due July 31, 2026, so some totals lag a period behind. Per the California Secretary of State's Cal-Access raw data export, retrieved 2026-09-21.

Total is itemized (Schedule A) contributions and self-funding loans dated after the June 2, 2026 primary, through June 30, 2026 — small-dollar unitemized (under $100) contributions aren't independently dated in Cal-Access's raw export, so they aren't reflected here and this may undercount true small-donor activity since the primary. This also doesn't include money reported only on 24-hour late-contribution reports (Form 497) that haven't yet appeared in a periodic Form 460 filing. Per the California Secretary of State's Cal-Access raw data export, retrieved 2026-08-30.

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