Minimum Liability Insurance In California - To help you find the best and cheapest car insurance in California, our editorial team compared prices for the best auto insurance companies in California in each zip code. We've ranked the best companies in California based on customer service, convenience and availability of coverage. We've also rated the best companies based on the availability of different drivers.
To find the cheapest companies, we estimated the average price of liability that meets the minimum California state requirements of $15,000 per person for bodily injury and $30,000 per accident, plus $5,000 in liability insurance, property damage. Full coverage policy quotes included higher liability rates than the state's minimum rates, as well as collision and comprehensive coverage.
Minimum Liability Insurance In California
Geico has affordable auto insurance for most California drivers. The company charges an average of $390 per year for a low liability policy. That's 35% cheaper than the national average.
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California drivers can also purchase affordable car insurance from AAA of Northern California (AAA NorCal) or Progressive. Both auto insurers offer affordable rates that are cheaper than average, and AAA has some of the best customer support scores in the state.
AAA offers auto insurance to Northern California residents through AAA Northern California, also called AAA NorCal or CSAA, while the Auto Club of Southern California (AAA SoCal) covers Southern California drivers.
Mercury has the cheapest car insurance in California at $1,731 per year. Geico and Progressive also offer quotes under $2,000 per year.
The minimum auto insurance premium price meets California's minimum statutory requirements, which include $15,000 in bodily injury liability per person and $30,000 per accident and $5,000 in property damage coverage.
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Unlike comprehensive coverage, minimum coverage does not include comprehensive and collision coverage, which protects you against damage to your vehicle after a collision, theft, vandalism or natural disaster, regardless of who is at fault.
Although comprehensive coverage costs more, purchasing higher liability coverage and adding comprehensive and collision coverage is a good idea for many drivers and new car owners. Also required if you have a car loan or lease.
Just one accident and a claim on your driving record can increase your car insurance quotes by hundreds of dollars. Drivers with a record of incidents such as accidents, speeding tickets and DUIs often pay higher premiums than other drivers.
Mercury has a speeding ticket for California drivers.
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Mercury's comprehensive coverage policy averages $2,293 per year, which is 28% cheaper than the statewide average of $3,200 for drivers with speeding tickets.
Drivers typically pay more for car insurance after receiving a speeding ticket because they are statistically more likely to get into an accident. found that a comprehensive coverage policy in California costs $1,052 more per year ($88 more per month) after a speeding ticket. That is a 49% increase.
Mercury offers the cheapest full price insurance for California drivers who have had an accident on their driving record.
The company's average annual premium after an accident is $2,604 per year, or 40% cheaper than the California average of $4,330.
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California drivers with a history of accidents typically pay 102% more for car insurance than drivers without a history of accidents.
If you have a DUI in California, you can get a great deal on auto insurance from Mercury. The typical rate of $2,867 per year is about half as much as 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, which is 172% higher than a driver with a clean record.
The cheapest auto insurance company for young drivers in California is Geico. Its standard rate of $1,167 for minimum coverage is 26% below the average.
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For full service, State Farm is slightly cheaper than Geico at $3,949 per year, versus Geico's average rate of $4,306.
Young drivers in California pay more than two and a half times more for auto insurance than older drivers. Insurers charge 18-year-old drivers an average of $1,577 a year for minimum coverage policies, compared to just $604 for 30-year-olds.
While high rates for young drivers may deter them from purchasing full coverage, consider the added cost of full coverage. Added collision protection and comprehensive coverage are especially important for young drivers, who are more likely to be involved in accidents than more experienced drivers.
Geico rates average $1,312 per year for the minimum coverage policy, which is 38% cheaper than the California state average of $2,107 for young drivers with speeding tickets.
Car Insurance In California
Overall, rates for young drivers in California increase 34% after a speeding ticket. That's an extra $44 a month.
Geico and Mercury offer the most affordable coverage for young drivers in California after an at-fault accident. All of these companies offered prices below $1,700 per year, much lower than the average price of $2,305 per year.
Young people pay more for car insurance after an accident because their lack of driving experience makes them statistically more likely to get into another accident, about 46% more. However, since young people are already more likely to crash than older drivers, the relative increase is small. Older drivers in California typically pay 102% more after an accident.
The best price for married drivers in California is Progressive, which offers a standard rate of $1,448 per year, or 26% below the average per policy. Progressive also has the biggest discount for married drivers at 27%.
California Liability Insurance And What It Means
Average rates charged by California insurers to married drivers are 9% lower than rates charged to single drivers. Many insurers offer cheaper rates to married drivers because there is a correlation between being married and having fewer car accidents.
AAA is the best auto insurance company in California for its affordable rates and reliable coverage and support.
State Farm is another leading contender for good insurance. State Farm also offers different types of coverage and is a great option to combine with other types of insurance, such as home or renters insurance.
The most expensive city in California for car insurance is Beverly Hills at $3,474 per year. The most expensive city, Mount Shasta, has an average annual rate of $1,579.
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The average cost of full-price car insurance in California is $2,148 per year, or $179 per month. But the cost of car insurance varies depending on where you live. You may have a higher insurance rate if your area has a lot of car thefts, the roads are not well maintained, or, as may be the case in Beverly Hills, the average car price is high. If all your neighbors drive Teslas, the liability claim will be higher because the cost of repairing the car is higher.
Although this is the lowest level of cover you can have, we recommend that you adjust your premiums to suit your driving habits and personal financial situation. We recommend adding collision and comprehensive coverage if your vehicle costs more than a few thousand dollars. You may need to have both if your car is on loan or lease.
On the other hand, if you're a college student with an older car that you don't drive often, you may want to consider lower liability rates.
If you own a home in one of California's most expensive zip codes and have large savings and investment accounts, we recommend raising your liability rates and considering increased coverage to protect your assets.
Facts + Statistics: Auto Insurance
The California Legislature has proposed, but is unlikely to pass, a bill that would raise the state's minimum wage requirement for drivers to 30/60/15.
California's current low (15/30/5) is one of the lowest in the country. only three other states have the same or lower required liability standards. The changes would make California one of the most uninsured states in the country. only eight states have higher or higher requirements.
If the bill passes, drivers with the lowest coverage will see their rates go up the next time they renew. Lowering your current limits to the recommended minimum would result in an average price increase of 16%, or $96 per year if you have a clean driving history. However, the increase may vary as the additional coverage will apply to each insured driver.
The bill passed the state Senate and is in committee in the House of Representatives. If the bill passes, the increase would take effect on January 1, 2025.
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The California Department of Insurance recently proposed regulations to limit the effect of co-op group discounts on insurance rates. In California and elsewhere, policyholders can often get discounts by being part of a cooperative group. Affinity Group discounts can apply to a policyholder, such as lawyers and teachers, or their membership in an organized group, such as an alumni association.
Among the biggest group discounts from some of California's largest insurance companies, the biggest discount came from Farmers, which reduced policies by 14% for various professionals.
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