What is the cheapest car insurance in California?
Geico, USAA, Mercury Insurance, Progressive and CSAA are the five cheapest car insurance companies in California, according to our research.
Geico, USAA, Mercury Insurance, Progressive and CSAA are the five cheapest car insurance companies in California, according to our research.
USAA, Nationwide, Travelers, Erie, Geico and Progressive are the cheapest car insurance companies nationwide, according to our analysis.
California Car Insurance Companies
Based on our research, Geico offers the best car insurance in California. Progressive, USAA, State Farm and Allstate are also reliable options for most drivers. *Our research team considers nationwide factors when rating providers.
Which type of car insurance is cheapest? Typically, fully comprehensive insurance is the least expensive, though prices are influenced by individual circ*mstances.
State Farm is the best car insurance company in California for ease of use. State Farm customers can manage their policy and submit claims online, and the mobile app has excellent user ratings for both iOS and Android devices. You can learn about more features in our State Farm auto insurance review.
- Chula Vista: $1,299 per year.
- Salinas: $1,308 per year.
- Santa Rosa: $1,362 per year.
- Bakersfield: $1,391 per year.
Both Geico and Progressive offer cheap car insurance to drivers across the country. Geico's rates are typically lower overall, but Progressive tends to offer better prices to high-risk drivers. High-risk drivers are those with a recent DUI, at-fault accident or speeding ticket on their driving record.
Currently, the largest car insurance company in America is State Farm. Major auto insurance companies offer financial stability and a variety of coverage plans. To find cheap car insurance rates, you'll need to compare quotes from various providers.
USAA is a solid choice for auto insurance with high customer satisfaction levels and top financial ratings. However, you must be a member of the military, or a family member, to benefit from its services. You must be a member of the military or a family member to join USAA.
Who still insures cars in California?
| Insurance company | Bankrate Score | Average min coverage rate |
|---|---|---|
| Progressive | 4.4 Rating: 4.4 stars out of 5 | $544 |
| Geico | 4.4 Rating: 4.4 stars out of 5 | $430 |
| State Farm | 4.3 Rating: 4.3 stars out of 5 | $594 |
| Mercury | 3.8 Rating: 3.8 stars out of 5 | $527 |
State Farm is the largest auto insurer in California as well as the largest property and casualty insurer in the United States overall, providing more than 87 million insurance policies.
Geico is cheap because it offers a wide range of discounts that apply to a variety of situations. Geico also covers millions of drivers across the country, so it spreads out financial risk, which helps it offer cheap car insurance quotes.
Cheapest Full-coverage Car Insurance Comparison
According to our rate estimates, Nationwide offers the cheapest full-coverage car insurance at an average rate of $119 per month for a single 35-year-old with a clean driving record and good credit. USAA is also another cheap option, at $126 per month.
| Car Insurance Company | Motor OD Claim Settlement Ratio FY23 | Network Garages |
|---|---|---|
| Digit Car Insurance | 96.00% | Repair anywhere |
| Bajaj Allianz Car Insurance | 98.50% | 4,000+ |
| Kotak Mahindra Car Insurance | 98.00% | 2,327+ |
| Zuno Car Insurance | 98.00% | 1,500+ |
'Comprehensive' insurance cover provides the widest cover and covers for theft and hijacking, damages due to an accident, fire or explosion and natural disasters like hail and floods.
| Driving Record | Annual Premium | Monthly Premium |
|---|---|---|
| Clean | $1,343 | $112 |
| Ticket | $1,944 | $162 |
| At-Fault Accident | $2,205 | $184 |
| DUI | $3,375 | $281 |
Here are the minimum liability insurance requirements (per California Insurance Code §11580.1b): $15,000 for injury/death to one person. $30,000 for injury/death to more than one person. $5,000 for damage to property.
California drivers must at least meet the liability auto insurance coverage requirements of 15/30/5 to drive legally. You can be fined up to $500 out of pocket if you are convicted of driving without insurance in California, depending on whether it's your first or subsequent offense.
Both Geico and Progressive offer cheap car insurance to drivers across the country. Geico's rates are typically lower overall, but Progressive tends to offer better prices to high-risk drivers. High-risk drivers are those with a recent DUI, at-fault accident or speeding ticket on their driving record.
What is the minimum full coverage auto insurance in California?
California requires drivers to carry at least the following auto insurance coverages: Bodily injury liability coverage: $15,000 per person / $30,000 per accident minimum. Property damage liability coverage: $5,000 minimum. Uninsured motorist bodily injury coverage¹: $15,000 per person / $30,000 per accident minimum.
