Cheapest car insurance in California
Which California car insurance company is the cheapest for you? Geico had the lowest rates for the average Golden State motorist, among carriers analyzed by Insurance.com’s experts. Even if you don’t fit the average driver demographic, don’t worry. Regardless of your circumstances, if you’re searching for the best and cheapest car insurance in California, here you’ll find all the information you need to get the bargains you want – without sacrificing coverage. We analyzed rates for nearly every ZIP code in the state for a variety of scenarios and coverage levels. Our guide to car insurance in California tells you:
Cheapest car insurance in California for safe drivers
Geico had the lowest average rate among insurers researched by Insurance.com for California drivers with clean records buying a full coverage policy. No two car insurance companies will have the same price on a policy. That’s because they assess risk differently and use their own calculations when deciding what you’ll pay. So, it’s wise to compare rates to find savings. The cheapest companies and their average rates are:
- Geico: $1,490
- United Financial: $1,795
- Allstate: $2,223
- State Farm: $2,345
- Farmers: $2,387
- Amco: $2, 350
Full coverage is typically required if you have a car loan, or lease, and is recommended if you have a newer car, and if you own a home and have savings to protect. Here’s how Geico compared to the carriers above for a full coverage policy. The limits are $100,000 in liability coverage for each person injured in an accident you cause, up to $300,000 per accident, with $300,000 in property damage, and comprehensive and collision insurance.
- $305 less than United Financial
- $730 less than Allstate
- $855 less than State Farm
- $895 less than Farmers
- $1,020 less than Amco
Cheapest minimum California coverage
Geico also had the lowest average rate for minimum liability limits, or the least amount of coverage you need to drive legally. For California drivers with clean records buying state-mandated liability, the cheapest companies and their average rates are:
- Geico: $358
- United Financial: $499
- Allstate: $651
- State Farm: $681
- Farmers: $717
- Amco: $728
Minimum coverage isn’t recommended because it’s typically not enough to pay for even minor accidents, leaving you responsible to pay for the balance of medical and repair bills. However, if you have an old car that’s not worth much and no savings or assets, state minimum liability coverage will suffice.
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Cheap liability insurance for California drivers
For drivers wanting more than bare-bones coverage, but who don’t need comprehensive and collision coverage, Geico again takes the checkered flag for the lowest average rates. The cheapest auto insurers for liability limits of 50/100/50 and their average rates are:
- Geico: $450
- United Financial: $667
- Allstate: $714
- State Farm: $833
- Farmers: $859
- Amco: $918
Cheapest car insurance for your California driver profile
How much coverage you buy, and from which company, are among key factors that influence your insurance cost. We’ve seen that Geico is the cheapest company for the average driver (above). But not everyone is average. To give you an estimate of what you can expect, we provide auto insurance quotes for California drivers for common scenarios. These include motorists with the following:
- Speeding tickets
- Teen driver
Cheapest insurance for California drivers with accidents
Geico had the lowest car insurance rates in California for drivers with an at-fault accident, among those surveyed by Insurance.com. Though you’ll likely see a rate hike after a property damage or bodily injury liability claim, you can still save by comparison shopping, as you’ll see rates vary among carriers for those with accident claims.
Property damage claim
- Geico: $2,089
- State Farm: $2,403
- Allied: $2,922
- United Financial: $3,313
- Farmers: $3,650
- Allstate: $4,410
Cheapest California car insurance for drivers with speeding tickets
Geico had the lowest rate for drivers in California with speeding tickets. In most cases, you’ll pay more for car insurance after a speeding violation. The increase happens when your policy renews, and generally lasts for three years. But even with a traffic ticket, comparison shopping can save you money. For instance, you’ll see that the difference between the highest rate and the lowest is $1,302, on average, according to Insurance.com’s rate analysis. That’s how much you can potentially save by comparing auto insurance quotes in California after speeding tickets.
- Geico: $1,602
- Farmers: $2,156
- State Farm: $2,300
- United Financial: $2,589
- Allstate: $2,760
- Allied: $2,922
Cheapest insurance for adding a teen
For drivers who have just added a teen to their coverage, here are the cheapest car insurance companies and their average rates in California:
- Geico: $3,099
- State Farm: $4,077
- Allied: $5,805
- Farmers: $5,845
- Allstate: $6,184
How much is car insurance in California?
The cost of car insurance in California is $2,125 a year ($177 monthly), which is the seventh-most expensive state for car insurance. If you have a clean driving record and good credit, here is how much you can expect to pay:
|Coverage limits||Average annual rate|
|Liability Only – state minimum||$606|
|Liability Only – 50/100/50 BI/PD||$752|
|Full Coverage – 100/300/100 BI/PD $500 Comp/Collision deductible||$2,125|
Comparing car insurance quotes in California
When you shop for car insurance, first determine what level of coverage suits your needs. The minimum coverage you must have under state law is 15/30/5, as follows:
- $15,000 for each injured person per accident
- Up to a total of $30,000 per accident
- $5,000 for property damage per accident
However, state minimum requirements are typically too low to provide sufficient coverage. Even minor accidents can cause damage resulting in repairs and medical bills that exceed these levels, leaving you to pay the difference. For that reason, Penny Gusner, Insurance.com senior consumer analyst, recommends levels of 100/300/100.
Also, state required liability coverage does not cover damage to your car if you cause an accident or if your car is damaged in other scenarios, for instance, from a bad storm. For that you need the optional coverages of comprehensive and collision. Comprehensive pays for damage to your car from flooding, hail, fire, vandalism and pays to replace your vehicle if stolen. Collision pays for damage to your car from accidents, regardless of fault, and from hitting an object, say a pole or fence.
Depending on the age of your vehicle, however, you might not need comprehensive and collision coverage. If your car is more than 10 years old and has a low replacement cost, you might be able to forgo this coverage.
If you need more help to determine the right level of coverage for your situation, use the Car Insurance Coverage Calculator.
Once you determine how much coverage you need, compare California car insurance quotes from at least three auto insurance companies.
In addition to comparing quotes, be sure you’re getting the best deal by doing the following:
- Check to see which car insurance discounts apply to you.
- Scour membership and affinity programs for discounts: AARP and military members can get discounted insurance. Your employer, alumni associations, and wholesale clubs are also good places to search for potential discounts. Affiliation discounts can save you as much as 25%.
- Raise your deductible: Increasing your deductible to $1,000 can save you 40% or more on car insurance costs, according to the Insurance Information Institute.
- Combine your coverage: Bundle auto coverage with your home or renters’ insurance policy, and you can typically save 10% to 12% on your auto insurance rate.
- Be a good driver: Being a safe driver can lower your car insurance by 5% typically. Driving fewer miles a year will also reduce your rate.
- Take a driver training course: If you’ll add your teen to your insurance policy, sign him or her up for a driver’s education course, since this can lower your rate. Consider taking a defensive driving course to get a discount on insurance. Contact your insurance company to make sure it offers this discount and then search online or your insurer’s website to find qualifying local courses.
Best auto insurance companies in California
There’s more to getting the best coverage than finding the lowest price. Insurance.com asked current policyholders what they thought of their car insurance company’s customer service, claims handling, mobile apps/websites and pricing to identify the best car insurance companies in California. Below you’ll see how major carriers ranked overall on these metrics in the survey. All scores are out of 100.
|Rank||Auto insurance company||Score|
|1||CSAA Insurance Group||89.13|
|5||Auto Club of Southern California (Auto Club Enterprise Insurance Group)||85.72|
Auto insurance is part of car ownership cost, but that doesn’t mean you have to pay exorbitant prices to get the best coverage. Do some research to determine how much coverage you really need and get quotes from several different insurers to compare their rates. With a little time and effort, you can find the best cheap car insurance company in California for you.
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