Top Ten Best Car Insurance Companies - To help you find the cheapest auto insurance in California, our writing team compared quotes for each ZIP code from the top auto insurance companies in California. We've ranked the best California companies based on customer service, convenience and availability. We also reviewed the best companies based on the capacity of different drivers.
In order to find the cheapest companies, we compared the prices of insurance only, which meets the requirements of the state of California at least $15,000,000 for personal injury and $30,000,000 for accidents and $5,000 for property insurance. Full insurance policy terms include the maximum coverage limit in addition to the coverage limit.
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Geico has affordable car insurance for most California drivers. The company charges $390 per year for a minimum payment policy. That's 35% cheaper than the rest of the state.
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California drivers can also find affordable auto insurance from AAA Northern California (AAA NorCal) or Advance. Both auto insurers offer the lowest average rates, and AAA has the best customer service rating in the state.
AAA provides auto insurance to Northern California residents through AAA Northern California, also known as AAA NorCal or CSAA, and the Auto Club of Southern California (AAA SoCal) covers drivers in southern California.
Mercury has the cheapest car insurance rates in California at $1,731 a year. Geico and Progressive also offer discounts up to $2,000,000 per year.
The minimum auto insurance required under California law includes $15,000,000 personal liability and $30,000 per accident and $5,000,000 for property damage.
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Unlike basic insurance, limited insurance does not include comprehensive and collision coverage, which protects you from damage to your vehicle after an accident, theft, vandalism or natural disaster - regardless of who is involved.
Although comprehensive insurance is more expensive, buying excess and adding comprehensive and collision insurance is a good idea for many drivers and people with new cars. It is also required if you have a car loan or lease.
Just one accident on your driving record can increase your car insurance by dollars. Drivers with accidents on their records, such as crashes, speeding tickets and DUIs, often pay more than other drivers.
Mercury has the best comprehensive auto insurance rates for California drivers who have received a speeding ticket.
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A comprehensive Mercury policy costs an average of $2,293 per year, which is 28% cheaper than the state average of $3,200 for speeding ticket drivers.
Drivers often pay more for car insurance after receiving a speeding ticket because the numbers are more likely to be involved in an accident. found a full insurance policy in California to be $1,052 more expensive per year ($88 more expensive per month) after a speeding ticket. That's a 49% increase.
Mercury offers affordable comprehensive auto insurance rates to California drivers who have accidents on their books.
The company's annual average post-accident premium is $2,604 per year, or 40% cheaper than the California average of $4,330.
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California drivers with an accident history typically pay 102% more for auto insurance than drivers with no previous accident history.
If you have a DUI in California, you may be able to get better car insurance from Mercury. Its price of $2,867 per year is half as expensive as the general average.
A DUI conviction usually means a significant increase in your car insurance premiums. Average DUI Insurance in California is $5,839 per year, a 172% jump compared to a driver with a clean record.
The cheapest car insurance company for young drivers in California is Geico. Its $1,167 minimum spread is 26% below average.
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To top it all off, State Farm is slightly cheaper than Geico, at $3,949 a year, compared to Geico's average of $4,306.
Young California drivers pay more than two and a half times more than older drivers for auto insurance. Insurers charge 18-year-old drivers an average of $1,577 a year, compared to just $604 for a 30-year-old, the maximum policy.
While the high cost of the driver may discourage you from purchasing comprehensive insurance, consider the additional cost of comprehensive insurance. Accident prevention and comprehensive insurance are especially important for young drivers, who are more likely to be involved in accidents than experienced drivers.
Geico prices average $1,312 per year for the maximum insurance policy, which is 38% cheaper than the California state rate of $2,107 for young drivers with speeding tickets.
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Overall, rates for young drivers in California increased 34% after speeding tickets. That's an extra $44 a month.
Geico and Mercury offer affordable car insurance for young drivers in California after at-fault accidents. Both companies offered a low rate of $1,700 per year, below the average cost of $2,305 per year.
Young people pay the highest car insurance premiums after an accident because their lack of driving experience makes them more likely to get into another accident - about 46%. However, because young people are more likely to be involved in accidents than older drivers, the increase is small. Older drivers in California typically pay 102% more after an accident.
The best rates for California-based drivers come from Advance, which pays an average of $1,448 per year, or 26% less than the average for all insurers. Growth also has a high rate of wife drivers, 27%.
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Comparing California insurance rates for married drivers is 9% lower than the rates paid by single drivers. Many insurers offer lower rates to married drivers because there is a correlation between marriage and fewer car accidents.
AAA is the best car insurance company in California because of its affordable rates and great coverage.
State Park is another good insurance tournament. Public Land also offers a variety of coverage options and is a great option for bundling 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 town, Mount Shasta, has an average of $1,579 a year.
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The average cost of comprehensive auto insurance in California is $2,148 per year, or $179 per month. But car insurance rates vary depending on where you live. You may have higher insurance rates if there are a lot of car thefts in your area, poorly maintained roads, or - as in Beverly Hills - high car prices. If all your neighbors drive Teslas, your liability will be higher because the car maintenance costs are higher.
Although this is the lowest coverage you can have, we recommend that you adjust your limit to suit your driving habits and personal finances. We recommend adding collision and comprehensive insurance if your vehicle is worth thousands of dollars. You are likely to be required to have both if your car is borrowed or leased.
On the other hand, if you are a college student with an old car that you don't drive often, you might want to think about it.
If you own a home in one of California's most expensive ZIP codes and have a savings account and investments, we recommend that you increase your liability limits and consider adding insurance to protect your assets.
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The California Legislature has proposed, but it seems unlikely, a bill that would increase the maximum amount required to pay drivers in the state until 30/60/15.
California's current limit (5/15/30) is among the lowest in the country - only three other states have the same or lower limit. The change makes California one of the states with the highest coverage in the country: Only eight states have this requirement or higher.
If the bill is passed, uninsured drivers could see their premiums the next time they renew. Increasing your current limit to the minimum limit results in an average premium of 16%, or $96 per year, if you have a good driving record. But the increase may vary because the increase in coverage will be distributed among each insured driver.
The bill passed the state Senate and is with a House committee. If the bill is passed, the extension would take effect on January 1, 2025.
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The California Department of Insurance recently issued guidelines to limit the impact of reduced group membership on insurance rates. Policymakers in California and elsewhere can get group membership discounts. Affiliate group membership can be used for political activities - such as lawyers and teachers - or membership in an organized group, such as a student union.
Among the largest group discounts in some of the largest insurance companies in California, the largest discount was Farmers, which reduced policies by 14% for various professionals.
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