Who Has The Cheapest Insurance - To help you get the best cheap car insurance in California, our editorial team has compared quotes in every zip code for the best car insurance companies in California. We've ranked the best California companies based on customer service, convenience and availability of coverage. We've also rated the best companies based on affordability for different drivers.
To find the cheapest companies, we evaluated quotes for liability-only coverage, which meets California's minimum state requirements of $15,000 in bodily injury liability per person and $30,000 per accident plus $5,000 in property damage coverage. Full coverage policy offers included liability limits higher than state minimums plus collision and comprehensive coverage.
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Geico has the cheapest car insurance for most drivers in California. The company charges an average of $390 per year for a minimum liability policy. That's 35% cheaper than the national average.
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California drivers can also find affordable car insurance from AAA of Northern California (AAA NorCal) or Progressive. Both auto insurers offer affordable rates that are significantly cheaper than average, and AAA has some of the best customer support scores in the nation.
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 auto insurance coverage in California at $1,731 per year. Geico and Progressive also offer deals under $2,000 a year.
Minimum coverage auto insurance quotes meet California's minimum legal requirements, which include $15,000 in bodily injury liability per person and $30,000 in accident and $5,000 in property damage coverage.
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Unlike comprehensive coverage, minimum coverage does not include comprehensive and collision insurance, which protect 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 limits and adding comprehensive and collision coverage is a good idea for most drivers and people who own a newer car. It is also required if you have a loan or car lease.
Just one accident and damage to your driving record can increase your car insurance rates by hundreds of dollars. Drivers with incidents on their records, such as accidents, speeding tickets and DUIs, often pay more expensive premiums than other drivers.
Mercury has the best rates on comprehensive auto insurance for California speeding drivers.
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A comprehensive coverage policy from Mercury averages $2,293 per year, which is 28% cheaper than the national average of $3,200 for drivers with speeding tickets.
Drivers tend to pay more for car insurance after receiving a speeding ticket because they are statistically more likely to get into an accident. found that a full coverage policy in California is $1,052 more annually ($88 more monthly) after a speeding ticket. This is an increase of 49%.
Mercury offers the cheapest full coverage auto insurance for California drivers with an accident on their driving record.
The company's average annual post-accident rate is $2,604 per year, or 40% cheaper than the California average of $4,330.
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Drivers in California with a history of accidents typically pay 102% more for car insurance than drivers with no previous accidents.
If you have a DUI in California, you can get a good deal on your car insurance from Mercury. Its typical rate of $2,867 per year is about half the overall average price.
A DUI conviction usually means a significant increase in car insurance rates. The average cost of DUI insurance in California is $5,839 per year, a 172% increase over a driver with a clean record.
The cheapest auto insurance company for new drivers in California is Geico. Its typical rate of $1,167 for minimum coverage is 26% less than average.
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For comprehensive coverage, State Farm is slightly cheaper than Geico, at $3,949 per year, compared to Geico's average rate of $4,306.
Young California drivers pay more than two and a half times more than older drivers for auto insurance. Insurers pay 18-year-old drivers an average of $1,577 a year, compared to just $604 for 30-year-olds, for a minimum coverage policy.
Although high rates for young drivers may discourage them from purchasing comprehensive coverage, consider the added value of comprehensive coverage. Additional collision protection and comprehensive insurance are especially useful for young drivers, who are more likely to be involved in more accidents than more experienced drivers.
Geico charges an average of $1,312 per year for a minimum coverage policy, which is 38% cheaper than the California average of $2,107 for young drivers with speeding tickets.
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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 auto insurance for young drivers in California after an at-fault accident. Both of these companies offered prices below $1,700 per year, well below the typical price of $2,305 per year.
Teenagers pay more for car insurance after an accident because their lack of driving experience makes them statistically more likely to have another accident - about 46% more. However, since teenagers are already more likely to be involved in a crash than older drivers, the relative increase is smaller. Older drivers in California typically pay 102% more after an accident.
The best rate for married drivers in California is Progressive, which offers a typical rate of $1,448 per year, or 26% less than the average for all insurers. Progressive also has the biggest discount for married drivers, 27%.
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The average rates California insurance companies charge married drivers are 9% lower than the rates they charge single drivers. Most insurers offer slightly lower rates to married drivers because there is a correlation between marriage and being involved in fewer traffic accidents.
AAA is the best car insurance company in California because of its affordable rates and reliable coverage and support.
State Farm is another top candidate for good insurance. State Farm also offers a wide variety of different types of coverage and is a great choice to bundle with other types of insurance, such as home insurance or renters insurance.
The most expensive city in California for car insurance is Beverly Hills, at $3,474 per year. The least expensive city, Mount Shasta, has an average rate of $1,579 per year.
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The average price of a full coverage auto insurance quote 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, if 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 claim will be higher because the cost of repairing the vehicle is higher.
Although this is the lowest amount of insurance coverage you can have, we recommend that you adjust your coverage limits to suit your driving habits and personal financial situation. We recommend adding collision and comprehensive coverage if your car is worth more than a few thousand dollars. You will probably need to have both if your car is loaned or rented.
On the other hand, if you're a student with an older car that you don't drive often, you might want to consider lower liability limits.
If you own a home in one of the most expensive zip codes in California and have significant savings and investment accounts, we recommend that you increase your liability limits and consider adding roof coverage to protect your assets.
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The California Legislature has proposed, but appears unlikely to pass, legislation that would increase the minimum amount of liability coverage required for drivers in the state to 30/60/15.
California's current minimums (5/15/30) are among the lowest in the nation - only three other states have the same or lower required liability limits. The change will catapult California into one of the most insured states in the country: Only eight states have requirements that high or higher.
If the bill passes, drivers with the minimum coverage will likely see their premiums increase the next time they renew. Raising your limits from now to the proposed minimums would result in an average price increase of 16%, or $96 per year, if you have a clean drive. But the increases can vary because the additional coverage would be spread across each insured driver.
The bill passed the state Senate and is in an assembly committee. If the bill passes, the increase will take effect on January 1, 2025.
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The California Department of Insurance recently proposed regulations to mitigate the effect of affinity group discounts on insurance rates. Policyholders in California and elsewhere can often get discounts for being part of an affinity group. Affinity group discounts can relate to the insured's occupations - such as lawyers and teachers - or their membership in an organized group such as a graduate association.
Among the biggest affinity group discounts for some of the biggest insurance companies in California, the biggest discount came from Farmers, which reduced policies by 14% for various professionals.
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