Cheapest Car Insurance California Reddit - To help you get the best cheap auto insurance in California, our editorial team compared prices for each zip code from the top auto insurance companies in California. We've ranked the best companies in California based on customer service, convenience and coverage. We've also ranked the best companies based on affordability for different drivers.
To find the cheapest companies, we averaged prices only for liability coverage that meets California's minimum requirements of $15,000 for bodily injury per person and $30,000 per accident plus $5,000 for property damage coverage. Full coverage policy quotes included liability limits higher than state minimums, as well as comprehensive and collision coverage.
Cheapest Car Insurance California Reddit
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. This is 35% cheaper than the national average.
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California drivers can also find affordable car insurance from AAA Northern California (AAA NorCal) or Progressive. Both auto insurers offer cheap rates that are well below average, and AAA has some of the best customer service ratings 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 comprehensive car insurance rates in California at $1,731 per year. Geico and Progressive also offer rates below $2,000 per year.
Minimum auto insurance coverage quotes meet California's legal minimum requirements, which include $15,000 in personal injury liability, $30,000 in accident coverage, 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 is more expensive, purchasing higher liability coverage limits and adding comprehensive and collision coverage is a good idea for most drivers and people with new cars. It is also necessary if you have a car on credit or leasing.
Just one accident and a claim on your driver's license can increase the cost of your auto insurance by hundreds of dollars. Drivers with accidents, speeding tickets and traffic tickets on their records often pay higher premiums than other drivers.
Mercury has the best comprehensive auto insurance rates for speeding drivers in California.
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Mercury comprehensive coverage policies cost an average of $2,293 per year, which is 28% cheaper than the state average of $3,200 for drivers with speeding tickets.
Drivers tend to pay more for auto 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 each year ($88 each month) after the speeding ticket. This means an increase of 49%.
Mercury offers the cheapest comprehensive auto insurance quotes for drivers in California with a record of an accident.
The company's average annual post-accident rate is $2,604 per year, or 40% less than the California average ($4,330).
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California drivers who have been in a previous accident typically pay 102% more for auto insurance than drivers who have not had a previous accident.
If you have a DUI in California, you may be able to get a great auto insurance quote from Mercury. Its typical rate of $2,867 per year is about half the average overall price.
A DUI conviction usually means a significant increase in your car insurance rates. The average cost of dangerous driving insurance in California is $5,839 per year, 172% more than a driver with a clean record.
The cheapest insurance company for young drivers in California is Geico. Their typical fee of $1,167 for minimum coverage is 26% below 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 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, compared to just $604 for 30-year-old drivers for the minimum coverage policy.
While high rates for young drivers may deter them from purchasing comprehensive coverage, consider the added value of comprehensive coverage. Additional collision protection and comprehensive insurance are especially helpful for young drivers, who are likely to be involved in more 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.
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Overall, rates for young drivers in California increase 34% after a speeding ticket. That's an additional $44 per month.
Geico and Mercury offer the most affordable auto insurance for young drivers in California after an accident. These companies offered rates below $1,700 per year, well below the typical price of $2,305 per year.
Teenagers pay more for car insurance after an accident, as their lack of driving experience means they are statistically 46% more likely to be involved in another accident. However, because teenagers are already more crash-prone 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 comes from Progressive, which offers a typical rate of $1,448 per year, or 26% less than the average for all insurance companies. Progressive also has the biggest discount for married drivers at 27%.
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The average rates California insurers charge married drivers are 9% lower than the rates they charge single drivers. Most insurance companies offer slightly lower rates for married drivers because there is a correlation between being married and having fewer accidents.
AAA is the best auto insurance company in California for affordable rates, reliable coverage and support.
State Farm is another prime candidate for good insurance. State Farm also offers a wide variety of different types of insurance and is a great choice 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 least expensive city, Mount Shasta, has an average rate of $1,579 per year.
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The average cost of comprehensive car insurance coverage in California is $2,148 per year or $179 per month. But the cost of car insurance depends on where you live. You may have a higher insurance rate if your area has a lot of car theft, poorly maintained roads, or, as may be the case in Beverly Hills, has a high average car price. If all your neighbors drive Teslas, the liability claim will be higher because the cost of repairing the car will be higher.
Although this is the lowest insurance coverage you can have, we recommend that you adjust the coverage limits to your driving habits and personal financial situation. We recommend adding collision coverage and comprehensive coverage if your vehicle is worth more than a few thousand dollars. You should probably have both if your car is borrowed or leased.
On the other hand, if you are a college student and have an older car that you don't drive often, you may want to consider lowering your liability limits.
If you own a home in one of California's most expensive zip codes and have significant savings and investment accounts, we encourage you to increase your liability limits and consider adding umbrella coverage to protect your assets.
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The California Legislature has proposed, but is unlikely to pass, a bill that would increase the minimum required amount of liability coverage for drivers in the state to 60/30/15.
California's current minimums (5/15/30) are among the lowest in the nation—only three other states have equal or lower liability limits. The change would make California one of the most insured states in the country, with only eight states having requirements as high or higher.
If the bill passes, drivers with minimum coverage will likely see their rates go up the next time they renew. Raising the limits from the current to the proposed minimums would increase the average price by 16%, or $96 per year if you have a flawless driving record. But the increase may vary because the additional coverage will be spread across all insured drivers.
The bill has passed the state senate and is in an assembly committee. If the bill is passed, the increase will take effect on January 1, 2025.
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The California Department of Insurance recently proposed rules to mitigate the impact of family group discounts on insurance prices. Policyholders in California and elsewhere can often receive discounts for participating in an interest group. Group discounts may apply to the insured's occupation, such as lawyers and teachers, or to membership in an organized group, such as alumni associations.
Among the biggest group discounts for some of California's biggest insurance companies, Farmers provided the biggest discount, slashing policies by 14% for multiple professionals.
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