The 10 Best Full Coverage Car Insurance In California

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Looking for the best full coverage car insurance in California? Look no further! We’ve compiled a list of the 10 best full coverage car insurance options in the state of California.

Key Takeaways

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  • Ten best full coverage car insurance in California
  • Answer to most likely frequent ask questions you will like to know
Best Full Coverage Car Insurance In California
Credit:cnbcfm.com

The 10 Best Full Coverage Car Insurance In California

Drivers in California must have automobile insurance since the law requires them to have at least the minimum liability coverage. Nevertheless, with so many different auto insurance providers to pick from, it can be challenging to know where to begin your search for the top auto insurance providers.

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1. Wawanesa

Wawanesa is our top recommendation if you require additional liability protection than California’s minimum requirements for bodily injury and property damage.

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In addition to the mandatory state liability coverage, the insurer offers nine other optional coverages with a wide range of deductibles and limits. The simple online quote tool they offer makes it simple to choose and buy a specific policy.

Wawanesa’s auto insurance has a low premium. A price of $161 per month was given for a full coverage policy, including bodily injury and property damage liability, comprehensive collision, uninsured/underinsured motorist, medical payments, and rental car reimbursement. Comparatively, this is approximately a third less than the typical quote from a competitor.

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Wawanesa is well known for its inexpensive costs and superior customer service. Drivers can report an accident online or via phone, 24 hours a day. Customers must value the convenience because Wawanesa won the California state of J.D. Power’s 2022 U.S. Auto Insurance Satisfaction Study.

Pros: 

  • Highly regarded client service
  • Low-cost premiums
  • runs a 24-hour hotline for claims

Cons:

  • Almost no discounts
  • No mobile app
  • doesn’t accept drivers who have committed several moving offenses

2. Safeco

Although carrying the bare minimum of coverage isn’t always the most excellent option, Safeco is the way to go if you’re short on funds and need to keep expenses to a minimum.

In California, a basic policy with the required liability limits of $15,000 per person, $30,000 per accident, and $5,000 for property damage was offered at just $65 a month for our model driver.

Remember that this is just the minimum allowed by law and may not be adequate for everyone, especially those with more significant assets. Don’t be scared to compare prices for different coverage levels when seeking a quote; we discovered that Safeco’s rates stay reasonable even when increasing limits.

By driving safely, drivers can further lower their premiums through Safeco. Safeco will send you a cheque for up to 5% of your annual premium each year, without which you file a claim for an accident in which you were at fault. Unfortunately, California does not offer RightTrack, Safeco’s more sophisticated safe driving program.

Pros:

  • one of the most affordable premiums for minimal protection
  • filing claims electronically quickly and easily
  • Earn money to avoid claims.

Cons:

  • Sold only via independent agents
  • There is no safe driving awards program in California.
  • Poor ratings are given to a mobile app by Android users.

3. Metromile

Many reliable vehicle insurances exist in California, but Metromile stands out from the competition with its cost-effective and practical usage-based policies.

You can typically save money by using this insurance, which allows you to pay for the kilometers you travel. Metromile uses the Pulse, a little gadget you can easily self-install in your car and use to track your mileage.

Including any other motor insurance, Metromile evaluates risk and establishes your rate based on factors like your age and driving record. However, Metromile bills clients a per-mile payment multiplied by their monthly mileage instead of a flat monthly fee.

According to the figures, this works out to about $52 per month for the bare minimum of coverage and $180 for the complete range—about 30% less than the typical prices we received from rivals.

The Metromile smartphone app, which enables you to access data from the Pulse gadget and track your miles, will also delight technology enthusiasts. Additionally, the app makes it simple to submit a claim by having users fill out a brief form and add images.

Pros:

  • Very affordable prices
  • Pay for only the actual miles you travel.
  • practical smartphone app

Cons:

  • It’s challenging to budget for monthly premiums that fluctuate.
  • For long-distance commuters, it can be costly
  • requires adding a monitoring system to your vehicle.

4. State Farm

One of the primary worries for parents of young drivers, besides safety, is the price of insurance. The finest insurance provider in California for families with a new driver is State Farm, which offers reasonable prices and special discounts for young drivers.

Our California sample family, which consists of a married couple and a youngster who just got a driver’s license, received an estimate from State Farm for regular coverage at $459 per month, an increase of $174 from their previous price.

To put this into context, most other insurers increased monthly costs by $250–$500 to include a teen driver. Some people demanded even more.

In addition to providing teen drivers with inexpensive premiums, State Farm has a few programs to help newly licensed drivers save even more money. The insurance will give you a 10% to 15% discount if you successfully finish an approved safe driving course.

Savings of up to 25% are available to students who maintain a B average or above in the classroom. State Farm frequently reduces their rate further if the kid is away at college and is not driving much.

Pros:

  • Teenage prices that are reasonable
  • numerous reductions for new drivers
  • high scores for client service

Cons:

  • Increased rates for single adults
  • Getting a quote is challenging
  • Customer satisfaction varies by agent

5. The General

If they can find coverage, drivers with a history of fines, at-fault accidents, or DUIs generally see their insurance prices soar. The General is the most forgiving insurer in California for high-risk drivers who have had many moving violations or accidents that were their fault in the previous three years.

With two recent infractions, our test driver received a regular policy quote of $252 per month, which is almost half the average cost we observed from other insurers. The General can assist you if you require an SR-22 certificate as well.

Despite previous concerns about The General’s subpar customer service, the business has recently shown signs of progress. Six days a week, you can reach a live person at the main customer care number, and a 24-hour hotline is accessible whenever you need to submit a claim.

The General’s mobile app, which has overwhelmingly positive ratings in both the App Store and Google Play, now allows claimants to submit their claims.

Pros:

  • rates remain low even after repeated violations
  • offers certifications for SR-22
  • popular smartphone application

Cons:

  • Not the most inexpensive choice for competent drivers
  • Representatives don’t keep an eye on live chat
  • 10% penalty for terminating your coverage before the end of the term

6. California Casualty

Despite providing vital services to the community, frontline professionals like educators and emergency responders frequently get inadequate pay. California Casualty wants to ease the financial burden on these professions by cutting the price of auto insurance.

When we requested bids, we were given basic coverage for just $51 monthly and comprehensive coverage for $174 monthly, which is almost 30% less than typical rates.

Some businesses might give you a choice to pay your California Casualty premiums through a pre-tax payroll deduction as an added perk. In addition to homeowners and renters insurance, which can be combined to receive a discount, this rule also applies to auto insurance.

Additionally, California Casualty provides a few speciality coverages that may be useful for certain professions. Firefighters and police officers, for instance, can choose gun coverage and benefits for the survivors of deceased heroes. On the other hand, nurses and educators can qualify for deductible waivers.

Pros:

  • affordable, customized coverage for key employees
  • combining a discount with renters’ or homeowners’ insurance
  • the choice to deduct premium payments from wages

Cons:

  • Only accessible to a select group of occupations
  • not many digital tools
  • Low toleration for traffic violations

7. GEICO

You can lower the price of your insurance by utilizing one of the many discounts offered by GEICO. Using GEICO to insure multiple vehicles, maintain a clean driving record, take a defensive driving course, and install an anti-theft system in your car, you can benefit from these benefits as a policyholder. GEICO values these precautions for safety and security, making savings possible.

According to the Insurance Information Institute (Triple-I), Geico has the second-largest market share among U.S. vehicle insurers. Its average premiums are consistently among the lowest in the nation, including in California.

Geico could be an excellent option if your top priority is acquiring a cheap auto insurance policy. The company might also be a suitable option for tech-savvy drivers who prefer to handle their insurance needs digitally.

According to the 2021 J.D. Power U.S. Insurance Digital Experience Study, Geico has the nation’s top-rated digital service platform.

Although Geico offers auto insurance, the firm might not be the most excellent option if you’re seeking fully personalized coverage because Geico’s plans are straightforward. AM Best gives Geico’s outstanding balance sheet the highest financial strength rating, A++ (Superior).

Pros:

  • Affordable minimum protection for an average annual cost of $521
  • Provides discounts for combining automobile insurance with other types of policies.
  • Incentives for seatbelt use and the use of daytime running lights

Cons:

  • It does not provide savings for using paperless billing
  • It does not offer discounts for full payment

8.  AAA

AAA offers the finest car insurance coverage for drivers with a spotty driving history in California. The company has a claims rating of 5 out of 5 and a user satisfaction rating of 4.5 out of 5, and the average annual cost of the policy is $2,006.00.

AAA provides the following coverages in case of an accident:

Roadside assistance will offer fuel delivery, flat tire repair, battery jump-start and replacement, and vehicle lockout services if a problem with your automobile leaves you stranded.

Pros:

  • The average cost of coverage after an accident is $2,006 per year.
  • Asserts a rating of 5 out of 5.
  • 4.5 out of 5 for user satisfaction
  • Offers rental cars, roadside assistance, and travel reimbursement

Cons:

  • Does not provide better or newer cars as replacements, new vehicles, or accident forgiveness

9.  USAA

In California, USAA provides some of the best services and affordable insurance options. One of the best reputations in the nation belongs to the business.

The following are some of the discounts and coverages that USAA provides:

Insurance for those who work for ride-hailing services like Uber and Lyft is available through USAA.

Accident forgiveness coverage ensures that you won’t be assessed an additional premium for your auto insurance if you cause your first accident within the first five years of holding a policy.

Discount for several vehicles: If you insure more than one vehicle with USAA, you will receive a discount.

Mileage discount: Your premium may be reduced according to the miles you drive annually.

Pros: 

  • Complete coverage for $1,171 annually
  • Asserts a rating of 5 out of 5.
  • 5 out of 5 for user satisfaction
  • Coverage for roadside assistance
  • Military discounts while parking your car at a base

Cons:

  • Military members and their families are the only ones covered by USAA policies.

10.  Allstate

Allstate offers new car replacement coverage, making it a suitable choice for drivers with new cars. As soon as you drive it off the lot, your automobile begins to lose value, so this coverage helps you replace it if you have an accident shortly after purchasing it

Allstate offers new car replacement coverage if your car is two model years old or fewer. If you have this coverage, your automobile will be replaced with a new one of the same model.

Pros:

  • Provides replacement coverage for new cars.
  • The rating is 4 out of 5.
  • A 4 out of 5 consumer satisfaction rating
  • Affordable insurance with an average annual cost of $1,322

Cons:

  • It does not provide superior coverage for automobile replacement

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Conclusion

Every driver must take into account a unique collection of vehicle insurance factors. You might have a young driver to insure, live in a city with a lot of traffic, and tourists, like Los Angeles or San Francisco, have a few traffic infractions, accidents on your driving record, or other factors.

It could be sensible to obtain comprehensive and collision insurance, uninsured motorist protection, towing and rental reimbursement, depending on your particular needs.

Your search for quotes may become more manageable if you know your unique coverage requirements. Families with teenage drivers might search for businesses that provide specific young driver discounts, for instance.

Ask for a quotation from The General if your driving history isn’t perfect, as they are known to be more understanding of several moving violations. Families that require coverage for a newly licensed teen may contact State Farm, which provides affordable rates and supports the formation of lifelong safe driving practices among young drivers.

FAQS

What Is The Minimum Full Coverage Auto Insurance In California?

According to California Insurance Code Section 11580.1b, the following minimum liability insurance requirements apply $15,000 for one person’s harm or demise. $30 000 for multiple injuries or fatalities. $5,000 for property damage.

How Much Is Car Insurance Monthly in California?

For a minimum-coverage policy, the average cost of auto insurance in California is $604 annually or roughly $50 monthly. A full-coverage policy typically costs $179 a month.

What Is The Cheapest Form Of Car Insurance?

The cheapest kind of auto insurance and the minimum amount of protection required by most states is minimum liability insurance. Most auto insurance quotes also feature full coverage prices for people who need a higher degree of protection.

Is Full Coverage Full Coverage?

When an insurance provider, agent, or lender speaks of comprehensive and collision coverage and any additional coverages mandated by your state, they often mean full coverage auto insurance. Full coverage auto insurance, as seen on screen. State-mandated coverages plus comprehensive and collision.

How Long Should You Keep Full Coverage On A Car?

When an automobile was five or six years old or had 100,000 miles, it was conventional wisdom that owners should cancel their collision and comprehensive insurance.

What Is Full Coverage Insurance Called?

In addition to comprehensive and collision coverage, liability is how many lenders, brokers, and vehicle dealers define “full coverage” auto insurance. Although your lender may refer to “full coverage,” you must carry comprehensive and collision insurance and any additional coverage that your state may need.

You can learn more from the video below:

About Author

Best Full Coverage Car Insurance In California
Lydia Alolade
I am a professional article and e-book writer with 4 years of experience, I write on well research content on cryptocurrency, stocks, loans and finances.

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