Best Car Insurance California Reddit

Best Car Insurance California Reddit - To help you find the best cheap car insurance in California, our editorial team compares quotes in each zip code for the top car insurance companies in California. We list the best carriers in California based on customer service, convenience and availability of coverage. We also list the best companies based on affordability to different drivers.

To find the cheapest company, we averaged quotes for liability coverage only, which meets California state minimum requirements of $15,000 in bodily injury liability per person and $30,000 per accident plus $5,000 in property damage coverage. A quote for a full coverage policy includes liability limits higher than the state minimum plus collision and comprehensive coverage.

Best Car Insurance California Reddit

Geico has the cheapest car insurance for most drivers in California. Companies charge 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 get affordable car insurance from AAA of Northern California (AAA NorCal) or Progressive. Both car insurance companies offer significantly cheaper rates than average, and AAA has some of the best customer support scores in the country.

AAA offers auto insurance to Northern California residents through AAA Northern California, also called AAA NorCal or CSAA, while the Automobile Club of Southern California (AAA SoCal) covers Southern California drivers.

Mercury has the cheapest full coverage auto insurance quotes in California at $1,731 per year. Geico and Progressive also offer quotes as low as $2,000 per year.

Minimum coverage auto insurance offers meet California's minimum legal requirements, which include bodily injury liability of $15,000 per person and $30,000 in accident and $5,000 in property damage coverage.

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Unlike full cover, minimum cover does not include comprehensive and collision insurance, which protects you against damage to the vehicle following a collision, theft, vandalism or natural disaster - regardless of who is at fault.

Although full coverage costs more, buying higher liability coverage limits and adding comprehensive and collision coverage is a good idea for most drivers and people who own newer cars. This is also required if you have a car loan or lease.

Just one accident and claim on your driving record can increase your car insurance quote by hundreds of dollars. Drivers with incidents on their record, such as accidents, speeding tickets and DUIs, often pay more expensive premiums than other drivers.

Mercury has the best prices on full coverage auto insurance for California drivers who have been ticketed for speeding.

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A full 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 typically pay more for car insurance after receiving a speeding ticket because they are statistically more likely to be involved in an accident. Know that a full coverage policy in California costs $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 quotes for California drivers with accidents on their driving record.

The company's average annual rate 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 an accident history typically pay 102% more for car insurance than drivers without an accident history.

If you have a DUI in California, you can get a good deal on car insurance from Mercury. The typical rate of $2,867 per year is about half as expensive 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, a 172% jump compared to drivers with clean records.

The cheapest car insurance company for young drivers in California is Geico. The average rate of $1,167 for minimum coverage is 26% less than average.

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For full coverage, State Farm is slightly cheaper than Geico, at $3,949 a year, compared to Geico's average rate of $4,306.

Young drivers in California pay more than two and a half times as much as older drivers for car insurance. Insurers charge an average 18-year-old driver $1,577 a year, compared to just $604 for a 30-year-old, for a 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 coverage and comprehensive insurance are especially useful for young drivers, who are more likely to be involved in more accidents than more experienced drivers.

Geico rates average $1,312 per year for a minimum coverage policy, which is 38% cheaper than the California state average of $2,107 for a young driver with a speeding ticket.

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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 the most affordable auto insurance coverage for young drivers in California after an at-fault accident. Both companies offer rates under $1,700 per year, lower than the usual 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, because teenagers are already more likely to crash than older drivers, the relative increase is smaller. Older drivers in California typically pay 102% more after an accident.

The best price for married drivers in California is from Progressive, which offers a typical rate of $1,448 per year, or 26% less than the average across all insurance companies. Progressive also has the largest discount for married drivers, at 27%.

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The average rate California insurance companies charge married drivers is 9% lower than the rate they charge single drivers. Most insurance companies offer slightly 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 because of its affordable rates and reliable coverage and support.

State Farm is another major contender for good insurance. State Farm also offers many different types of coverage and is a great option to combine with other types of insurance, such as home or renter's 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.

Compare Best Cheap Car Insurance Quotes In California, 2022

The average cost 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 higher insurance rates if there are a lot of car thefts in your area, the roads are poorly maintained, or—as is the case in Beverly Hills—the average car price is high. If all your neighbors drive Teslas, the warranty claim will be higher because the cost of repairing the vehicle is higher.

Although this is the lowest amount of insurance cover you can have, we recommend that you adjust your cover limit 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 may be required to have both if your car is borrowed or leased.

On the other hand, if you are a student with an older car that you rarely drive, you may want to consider a lower liability limit.

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 roof coverage to protect your assets.

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The California Legislature has proposed, but appears unlikely to pass, a bill that would increase the minimum amount required for motorist liability coverage to 30/60/15.

California's current minimum (5/15/30) is among the lowest in the nation - only three other states have the same or lower required liability limit. The change would catapult California to one of the most insured states in the country: Only eight states have requirements as high or higher.

If the bill passes, drivers with minimum coverage will see their rates go up the next time they renew. Increasing your limit from the current to the proposed minimum would result in an average price increase of 16%, or $96 per year, if you have a clean driving record. But the increase may vary because the additional coverage will be spread across each insured driver.

The bill has passed the state Senate and Assembly committees. 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 moderate the effect of affinity group discounts on insurance prices. Policyholders in California and elsewhere can often receive discounts for being part of the Zika pool. Discounts for affiliation groups can be used for the insured's occupation - such as lawyers and teachers - or his membership in organized groups, such as alumni associations.

Among the biggest group discounts for some of California's biggest insurance companies, the biggest discount is from Farmers, which offers a 14% policy discount for various professionals.

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