Cheap Insurance Companies – To help you find the best auto insurance in California, our editorial team has compared quotes for the top auto insurance companies in California in every zip code. We’ve selected the best California companies based on customer service, satisfaction and availability of coverage. We have also listed the best low cost companies based on the affordability of different drivers.
To find the smallest companies, we compared quotes for liability-only coverage, which meets California state minimum requirements of $15,000 per person in personal injury liability and $30,000 per accident plus $5,000 in property damage coverage. The terms of comprehensive coverage policies include co-insurance and general coverage beyond the state minimum limits.
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Geico has the cheapest auto insurance for most drivers in California. The company charges an average of $31 per month for the low-cost policy. That is 36% less than the state average.
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California drivers can get commercial auto insurance from AAA of Northern California (AAA NorCal) or Progressive. Both car insurance companies offer below average rates and AAA has the best customer support rating in the state.
AAA provides auto insurance to Northern California residents through AAA of Northern California, also known as AAA NorCal or CSAA, while The Auto Club of Southern California (AAA SoCal) covers California drivers. the rest
Geico has the most comprehensive auto insurance quotes in California, starting at $109 per month. Mercury, Progressive and AAA SoCal also offer better than average quotes.
Minimum auto insurance policies meet California’s legal minimum requirements: $15,000 per person bodily injury liability and $30,000 per accident and $5,000 property damage coverage.
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Unlike comprehensive coverage, comprehensive insurance includes no liability and limited liability, which protects your vehicle against collision, theft, vandalism or actual damage – regardless of who is at fault.
Although full coverage is more expensive, purchasing a higher coverage limit and adding comprehensive and collision coverage is a good idea for most drivers and those who have less than 10 years or more than $3,000. If you have one, that’s also a must. . Car loan or lease.
Just one accident and a claim on your driver’s license can increase your car insurance premium by hundreds of dollars each year. Drivers with incidents like accidents, speeding tickets and DUIs on their record will almost always pay higher rates than other drivers.
Mercury has the best rates for comprehensive auto insurance for California drivers who have received a speeding ticket.
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Full coverage policies from Wed average $164 per month. That’s 24% less than the state average of $216 for drivers with speeding tickets.
Drivers pay more for car insurance after receiving a speeding ticket because it indicates they are more likely to be involved in an accident. A full coverage policy in California costs $71 more per month after a speeding ticket. That’s a 49% increase.
Mercury offers California drivers the most comprehensive auto insurance coverage for accidents on their driver’s license.
The average group post-accident is $186 per month. That’s 36% less than the California average of $292 per month.
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California drivers with a history of accidents often pay twice as much for auto insurance as drivers with no prior accidents.
If you have a DUI in California, you can get a great deal on comprehensive auto insurance from Mercury. Its average price of $205 per month is half the state average.
A DUI conviction significantly increases your car insurance premiums. The average cost of DUI insurance in California is $406 per month. This is a 180% jump compared to a driver with a clean record.
Geico is the cheapest auto insurance company for young drivers in California. Its average rate of $97 per month minimum is 24% below average.
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For comprehensive coverage, State Farm is cheaper than Geico. State Farm’s policy costs $268 per month, compared to Geico’s average of $284 per month.
Young drivers in California pay two and a half times more for car insurance than older drivers. Insurance companies charge 18-year-old drivers an average of $127 per month for minimum limit policies. In comparison, 30-year-olds pay $49 per month for the same coverage.
Although the high cost of young drivers may discourage them from purchasing full coverage, it may be a good idea if you have an older car or just bought a new car. New collision protection and comprehensive insurance are very useful for young drivers, who can benefit from protection against damage to their own vehicle.
Geico’s average price for a minimum coverage policy is $109 per month. That’s 36% better than the California state average of $170 for young drivers with speeding tickets.
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Overall, fines for young drivers in California increase 34% after a speeding ticket. That’s an extra $43 per month.
Mercury and Geico offer the best auto insurance for young drivers in California after an accident. These companies offer a minimum of $133 per month. That’s significantly less than the average price of $186 per month.
The best price for married drivers in California is from Geico, which offers an average premium of $93 per year for comprehensive insurance. That’s 30% less than the average across all insurance companies. Progressive has the highest payout for married drivers at 22%.
California’s average rates paid to married drivers are 9% lower than the rates they charge single drivers. Most insurance companies offer lower premiums to married drivers because they are cheaper than car drivers.
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State Farm offers a variety of options and is a great option to combine with other types of insurance, such as home or renters insurance. AAA also offers the best customer service for California drivers.
It is important to consider customer reviews and pricing when purchasing auto insurance in California. If you run into trouble, a team with customer service will help you get back on the road quickly. Bad customer feedback can mean you pay more out of pocket or wait longer for repeat business.
The most expensive city in California for car insurance is Beverly Hills, averaging $238 per month. The cheapest city, Mount Shasta, averages $106 per month.
The average cost of comprehensive auto insurance in California is $145 per month or $1,744 per year. But depending on where you live, car insurance can cost up to $132 per month.
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If your area has high rates of car theft, poorly maintained roads, or – as in Beverly Hills – the average price of a car is high, you may have higher insurance premiums. If everyone And and and people
Although this is the lowest level of insurance coverage you can get, we recommend that you choose your coverage limits based on your vehicle and personal financial situation. For example, you should add collision and comprehensive coverage if your car is worth more than a few thousand dollars. You must have both if your car is being loaned or leased.
On the other hand, if you’re a college student whose old car you don’t drive often, you may not need the same level of protection.
If you own a home in one of the most expensive zip codes in California and have savings and investments, we recommend that you increase your credit limit and consider adding umbrella coverage to protect your property.
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The California Legislature has proposed, but is unlikely to pass, a bill that would raise the minimum required for drivers in the state to 30/60/15.
California’s current minimum limit (15/30/5) is the lowest in the country – three other states have similar or lower liability limits. The change would make California one of the most restrictive states in the country: Only eight states have higher or higher requirements.
If the bill passes, underinsured drivers could see their car insurance premiums go up the next time they renew. Increasing your limit from now to the recommended minimum limit will increase the average premium by 16% or $8 per month if you have a clean driving record. But the update may vary as different coverage will be published on each driver.
The bill has been passed in the state senate and is in committee of the assembly. If the bill passes, the increase would begin on January 1, 2025.
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The California Department of Education recently issued regulations to reduce the impact of group discounts on insurance costs. There may be discounts for joining groups related to your profession – such as lawyers and teachers – or an organized group such as an alumni association. Shareholders in California and elsewhere can enjoy the benefits of being part of an affiliate.
Farmers offers the largest discount rates among the largest insurance companies in California. The company reduced the policy by 14%
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