Davenport, IA / Manhattan Beach, CA — Wendell Charles Insurance (WCI) has been appointed by Liberty Mutual Insurance to write personal automobile insurance in California. The appointment gives our team another carrier option for California drivers and families who want to review their current coverage.
WCI is an independent insurance agency, which means we can compare options from multiple carriers rather than offering a single company's policies. Adding Liberty Mutual to our California carrier relationships expands the choices we can consider when a client's current policy no longer fits their needs or budget.
What this means for California drivers
California's auto insurance market has changed considerably in recent years. Beginning January 1, 2025, the state's minimum liability limits increased from 15/30/5 to 30/60/15. The change raised the minimum protection available after an accident, but it also made it more important for drivers to understand how their limits, deductibles, and optional coverages work together. The California Department of Insurance provides an overview of the current requirements.
Price is important, but a useful comparison also considers the protection provided by each policy. Our team reviews liability limits, uninsured and underinsured motorist protection, physical damage coverage, deductibles, and available discounts before recommending an option. We also look at how an auto policy coordinates with a household's home, renters, or umbrella coverage when those policies are part of the broader insurance plan.
A Liberty Mutual appointment does not mean every driver or vehicle will qualify, and it does not guarantee that one carrier will offer the lowest premium. It gives WCI another established carrier to consider based on the client's circumstances and the carrier's underwriting requirements.
Why Liberty Mutual
Liberty Mutual has served policyholders since 1912 and is the ninth-largest global property and casualty insurer based on 2025 gross written premium. Its personal insurance business includes auto, home, renters, and other property and casualty products. More information about the company is available in Liberty Mutual's business summary.
In April 2026, Liberty Mutual retired the Safeco brand and began marketing all of its personal lines products under the Liberty Mutual name. The company stated that Safeco customers would keep their agent relationships and that existing policies would not be affected by the name change. WCI's appointment is part of the independent-agent channel described in Liberty Mutual's announcement.
How Wendell Charles Insurance can help
When you ask us to review your California auto insurance, we will:
- Review your current declarations and identify the limits, deductibles, and endorsements already in place.
- Compare available options based on coverage and overall cost.
- Explain meaningful differences so you can make an informed decision.
- Coordinate related coverage when your home, renters, umbrella, or other policies should be considered alongside your auto insurance.
If the policy you already have remains the best fit, we will tell you that. If another option provides a better combination of coverage and value, we will explain the differences before you make a change.
A word from our founder
“Getting appointed with Liberty Mutual for California auto is meaningful for our team,” said Evan Kirkpatrick, Founder and CEO of Wendell Charles Ventures. “Liberty Mutual has been a strong national partner for us, and expanding that relationship gives our California clients another option to consider. We have an office in Manhattan Beach and a long history in that market. It is home to a lot of people we care about, and we are honored to be able to serve them again.”
Request a California auto quote
If you live in California and would like a second look at your auto insurance, contact Wendell Charles Insurance. We can review your current policy, discuss what matters to you, and determine whether Liberty Mutual or another available carrier may be a good fit.
Contact our team to request a California auto insurance quote.
Coverage, eligibility, pricing, and discounts are subject to carrier underwriting guidelines and policy terms. Product availability varies by applicant and location.
