Compare Car Insurance Quotes – To help you get the best cheap auto insurance in California, our editorial team compared quotes for the best car insurance companies in California in every zip code. We’ve ranked the best companies in California based on customer service, convenience and availability of coverage. We have rated the best cheap companies based on their affordability for different drivers.
To find the cheapest companies, we compare quotes for liability-only coverage, which meets California state minimum requirements of $15,000 per person for bodily injury liability and $30,000 per accident and $5,000 for property damage insurance. Quote for state minimum full-coverage policies and include higher liability limits than collision and comprehensive coverage.
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Zigo has affordable car insurance for most California drivers. The company charges an average of $31 per month for a minimum liability policy. This is 36% lower than the statewide average.
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California drivers can get cheap car insurance from AAA of Northern California (AAA NorCal) or Progressive. Both auto insurance companies offer cheaper than average rates, and AAA has the best customer support scores in the state.
AAA provides car insurance to Northern California residents through AAA of Northern California, known as AAA NorCal or CSAA, while the Auto Club of Southern California (AAA SoCal) covers Southern California drivers.
Geico has the cheapest full-coverage car insurance quotes in California, starting at $109 per month. Mercury, Progressive and AAA SoCal offer cheaper quotes than average.
Minimum coverage car insurance quotes meet California’s minimum legal requirements: $15,000 per person for bodily injury and $30,000 per accident and $5,000 in property damage coverage.
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Unlike full coverage, minimum coverage does not include comprehensive and collision insurance, which protects your vehicle from damage caused after a collision, theft, vandalism or natural disaster – regardless of who is at fault.
Although full coverage is more expensive, purchasing higher liability coverage limits and adding comprehensive and collision coverage is a good idea for most drivers and those who own a car less than 10 years old or valued at more than $3,000. If you have it you need it too. Car loan or lease.
Accidents and claims on your driving record can increase your car insurance quotes by hundreds of dollars per year. Drivers with accidents, speeding tickets and DUIs on their records always pay higher rates than other drivers.
Mercury has the best rates on full-coverage auto insurance for California drivers who have received a speeding ticket.
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Mercury’s full-coverage policies average $164 per month. That’s 24% cheaper than the state average of $216 per month for drivers with speeding tickets.
After receiving a speeding ticket, drivers typically pay more for car insurance because 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. This is a 49 percent increase.
Mercury offers affordable full-coverage car insurance quotes for California drivers with accidents on their driving record.
The average cost to the company after an accident is $186 per month. That’s 36% cheaper than the California average of $292 per month.
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California drivers with a history of accidents typically pay more than twice as much for car insurance as drivers with no prior accidents.
If you have a DUI in California, you can get a good deal on full coverage auto insurance from Mercury. Its regular price is half the statewide average of $205 a month.
A DUI conviction is usually a big increase in your car insurance rates. The average cost of DUI insurance in California is $406 per month. This is a 180% improvement over the clean record.
Geico is the cheapest auto insurance company for young drivers in California. Its typical rate for minimum coverage is 24% below the average of $97 per month.
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For full coverage, State Farm is slightly cheaper than Geico. State Farm’s policy costs $268 per month, and Geico’s average rate is $284.
Young drivers in California pay two and a half times more for auto insurance than older drivers. They charge 18-year-old drivers an average of $127 per month for a minimum coverage policy. By comparison, 30-year-olds pay $49 per month for the same coverage.
Expensive rates for young drivers may discourage them from purchasing full coverage, which may be a good idea if you drive a lot or own a new car. Additional collision protection and comprehensive insurance are especially useful for young drivers, who may benefit from protection against damage to their own car.
Zico’s prices average $109 per month for a minimum coverage policy. That’s 36% cheaper than the California state average of $170.
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Overall, rates for young drivers in California increase 34% after a speeding ticket. That’s an extra $43 a month.
Mercury and Geico offer California young drivers the cheapest auto insurance coverage after an at-fault accident. Both of these companies offer minimum coverage for $133 per month. That’s significantly less than the regular price of $186 per month.
The best price for married drivers in California is Geico, which offers a typical rate of $93 per year for full-coverage insurance. This is 30% less than the average of all insurance companies. Progressive has the largest discount for married drivers at 22%.
The average rates that California insurers charge married drivers are 9% lower than what they charge single drivers. Most insurance companies offer slightly cheaper rates to married drivers because married drivers are involved in fewer car accidents.
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State Farm offers a variety of coverages and is a great option for combining with other types of insurance, such as home or renters insurance. AAA also offers excellent customer service for California drivers.
Customer reviews and pricing are important to consider when purchasing car insurance in California. If you are involved in an accident, a company with excellent customer service will help you get back on the road as quickly as possible. Bad customer service reviews mean you’ll pay more out of pocket or wait longer for repairs.
The most expensive city in California for car insurance is Beverly Hills, at an average of $238 per month. Mount Shasta, the cheapest city, has an average monthly rate of $106.
The average cost of a full coverage car insurance quote in California is $145 per month or $1,744 per year. But the cost of car insurance can vary by up to $132 per month depending on where you live.
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If your area has a high rate of car theft, poorly maintained roads, or – like in Beverly Hills – the average car price is high, you may have a high insurance rate. If all your neighbors drive Teslas, the cost of vehicle repairs will be high, so liability claims will be high.
Although this is the lowest level of insurance you can get, we recommend choosing your coverage limit based on your driving habits and personal financial situation. For example, if your car is worth more than a few thousand dollars you should add collision and comprehensive coverage. If your car is borrowed or leased, you probably need to keep both.
On the other hand, if you’re a college student with an old car that you don’t drive often, you may not need the same level of protection.
If you own a home in one of California’s most expensive zip codes and have significant savings and investment accounts, we recommend that you consider adding umbrella coverage to increase your liability limits and protect your assets.
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The California legislature has proposed, but is unlikely to pass, an increase in minimum liability coverage for drivers in the state to 30/60/15.
California’s current minimum (15/30/5) is the lowest in the nation – only three other states have the same or lower required liability limits. The change would make California the least insured state in the nation: Only eight states have higher or higher requirements.
If the bill passes, drivers with minimal coverage could see their car insurance rates increase the next time they renew. Increasing your limit from the current to the proposed minimum will increase prices by an average of 16%, or $8 per month. But the increases may vary because the additional coverage is spread across each insurance driver.
The bill passed the state senate and is pending in the legislative committee. If the bill passes, the increase would take effect on January 1, 2025.
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The California Department of Insurance recently proposed regulations to reduce the effect of affiliated group discounts on insurance prices. Affinity group discounts apply to your profession, such as lawyers and teachers, or members of an organized group, such as an alumni association. Policyholders in California and elsewhere can often receive discounts for being part of a contact group.
Farmers offers the largest affinity group discounts among California’s largest insurance companies. The company offers 14% discount on policies
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