Best Online Car Insurance Company – To help you get the cheapest auto insurance in California, our editorial team has compared quotes in every zip code from the top California auto insurance companies. We’ve ranked the best companies in California based on customer service, convenience and coverage. We also rank the best companies based on the affordability of different drivers.
To find the cheapest company, we calculated the average price for liability-only coverage that meets California’s minimum state requirements of $15,000 per person and $30,000 per car accident plus $5,000 for property damage coverage . Quotes for full insurance policies include liability above the state minimum along with collision and comprehensive coverage.
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Geico offers the cheapest car insurance for most drivers in California. The company charges an average annual liability insurance premium of $390. That’s 35% cheaper than the state average.
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California motorists can also find affordable auto insurance from AAA Northern California (AAA NorCal) or Progressive. Both auto insurers offer low rates that are essentially cheaper than average, and AAA has some of the best customer support scores in the state.
AAA provides auto insurance to Northern California residents through AAA of Northern California (also known as AAA NorCal or CSAA), while the Automobile Club of Southern California (AAA SoCal) provides insurance to Southern California drivers.
Mercury has the cheapest all-inclusive auto insurance quote in California at $1,731 per year. Geico and Progressive also offer quotes under $2,000 per year.
The minimum coverage for auto insurance quotes meets California’s basic legal requirements, including $15,000 per person for bodily injury liability and $30,000 per accident and $5,000 for property damage coverage.
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Unlike comprehensive coverage, minimum coverage excludes comprehensive coverage and collision coverage, which protects you against vehicle damage after a collision, theft, vandalism or natural disaster – regardless of who is at fault.
Although comprehensive coverage is more expensive, purchasing a higher liability limit and adding comprehensive and collision coverage is a good idea for most drivers and vehicle owners. This is also required if you have a loan or a rented car.
An accident and a claim against your driving record can add hundreds of dollars to your auto insurance quote. Drivers with issues such as accident records, speeding tickets and DUIs generally pay more for insurance than other drivers.
Mercury offers the best price on comprehensive auto insurance for California drivers with speeding tickets.
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The average full Mercury insurance policy is $2,293 per year, which is 28% cheaper than the state average of $3,200 for motorists with speeding tickets.
Motorists generally pay more for auto insurance after receiving a speeding ticket because they are statistically more likely to be in an accident. A full policy in California was found to be $1,052 more expensive per year after speeding fines (more expensive than $88 per month). That’s an increase of 49%.
Mercury offers the cheapest all-inclusive auto insurance quotes for California drivers with an accident on their driving record.
The company’s median annual salary after a car accident is $2,604 per year, 40% below the California average of $4,330.
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California drivers with a history of accidents typically pay 102% more in auto insurance premiums than drivers with no previous accidents.
If you have a DUI in California, you can get discounted auto insurance from Mercury. Its typical price is $2,867 per year, which is half the overall average price.
A DUI conviction usually means a significant increase in your car insurance rates. The average cost of DUI insurance in California is $5,839 per year, a 172% increase over drivers with a proven record.
The cheapest car insurance company for young drivers in California is Geico. His typical rate for minimum coverage is $1,167, which is 26% below average.
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For full coverage, State Farm is slightly cheaper than Geico, at $3,949 per year, compared to Geico’s average price of $4,306.
Younger California drivers pay twice as much for auto insurance than older drivers. Insurance companies charge 18-year-old drivers an average of $1,577 a year, while 30-year-olds pay a minimum policy fee of $604.
Although high premiums for young drivers may deter them from purchasing full coverage, consider the added value of full coverage. Adding collision protection and comprehensive coverage is especially helpful for younger drivers, who are more likely to be in an accident than more experienced drivers.
The average price for a Geico minimum policy is $1,312 per year, which is 38% cheaper than the average price of $2,107 for speeding tickets for young drivers in California.
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Overall, California’s young drivers saw a 34 percent increase in their rate of speeding penalties. That’s an extra $44 a month.
Geico and Mercury offer young California drivers the most affordable car insurance after a crash. Both companies have annual interest rates under $1,700, which is much lower than the usual $2,305 APR.
Young people who paid more for car insurance after an accident due to a significant lack of driving experience were 46 per cent more likely to have another accident. However, as teenagers are already more prone to accidents than older drivers, the increase is relatively small. Older California drivers typically pay 102% more after an accident.
The best rates for married drivers in California come from Progressive, which offers a typical premium of $1,448 per year, which is 26% less than the average premium across all insurers. Progressive also has the biggest discount for married drivers at 27%.
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The average premium charged by California insurers to married drivers is 9% lower than that charged to single drivers. Most insurers offer slightly cheaper rates to married drivers due to the correlation between being married and having fewer accidents.
AAA is the best car insurance company in California because of its affordable rates and solid coverage and support.
State Farm is another leading competitor for premium insurance. State Farm also offers extensive coverage, making it a great option to combine with other types of insurance, such as home or renter’s insurance.
The city with the most expensive car insurance in California is Beverly Hills at $3,474 per year. The cheapest city, Mount Shasta, has an average annual cost of $1,579.
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The average cost of a full auto insurance quote in California is $2,148 per year, or $179 per month. But the cost of car insurance depends on where you live. If your area has a lot of car thefts, poorly maintained roads, or – like in Beverly Hills – the average price of a car is high, you may get a higher insurance rate. If your neighbors all drive Teslas, the liability claim will be higher because the repair costs are higher.
Although this is the minimum coverage you can get, we recommend that you adjust the coverage limit to suit your driving habits and personal financial situation. If your car is worth more than a few thousand dollars, we recommend adding collision and comprehensive coverage. If your car is borrowed or leased, you may have to own both.
On the other hand, if you’re a college student who owns an old car and doesn’t drive it often, you might consider lowering your liability limit.
If you own a home in one of the most expensive zip codes in California and have a large savings and investment account, we recommend that you increase your liability limit and consider adding insurance to protect your property.
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The California legislature has proposed, but is unlikely to pass, a bill that would increase the minimum liability coverage required for motorists in the state through June 30, 2015.
California’s current minimum (May 15/30) is one of the lowest in the country – only three other states have similar or lower mandatory liability limits. The change would make California one of the most insured states in the country: Only eight states had higher or higher claims.
If the bill passes, drivers with the least insurance could see their rates increase at their next renewal. If you have a good driving record, raising your limit from the current level to the recommended minimum would result in an average price increase of 16% or $96 per year. But the amount of the increase may vary, as the additional coverage will be spread to all insured drivers.
The bill passed the provincial Senate and a committee of committees. If the bill passes, the tax increase will take effect on January 1, 2025.
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The California Department of Insurance recently proposed regulations to reduce the impact of group discounts on insurance prices. Policyholders in California and elsewhere can often get discounts for being part of a hobby group. Hobby group discounts may apply to the policyholder’s occupation (such as lawyer and teacher) or to their membership in an organized group (such as an alumni association).
Among the largest group discounts available to some of the largest insurers in California, the biggest one comes from Farmers, which offers a 14% discount on multi-specialty policies.
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