Have you been searching for the cheapest car insurance in California? This article will be of great help to you.
To find the cheapest auto insurance in California, we looked at each issuer available coverage types, discounts, and customer satisfaction scores. If you are looking for the cheapest car insurance companies in California, the following carriers listed here may be a good fit, depending on the level of coverage you require. Let’s get started.
Key Takeaways
- You will learn about the top 10 cheapest car insurance companies in California
- How to find the cheapest car insurance company in California
- What the California good driver discount is and also the city with the cheapest car insurance in California.
What is Car Insurance?
Car insurance covers motorbikes, cars, trucks, and other types of road vehicles. Its main purpose is to offer financial protection against property damage or bodily injury brought on by traffic collisions, as well as against liability that can follow from events that happen inside of a car.
When your automobile is damaged in an accident or even stolen, your insurance will pay the costs.
Here is how to find the cheapest car insurance in California
Follow the steps mentioned below to secure and maintain affordable car insurance rates in California:
Get multiple quotes:
Obtaining quotes from multiple providers is one of the most effective ways to find low-cost car insurance in California. Obtain at least three quotes from a variety of national and regional insurers.
Each company has its own rating algorithm that assigns different weights to individual rating factors. Furthermore, each driver brings a unique set of circumstances to their car insurance search. Comparing premiums, coverage, discounts, and features may assist you in locating the best policy and price for you.
Maintain a clean driving record
Drivers with accidents, moving violations, or DUI convictions on their driving record tend to pay more for auto insurance, whereas clean drivers avoid these types of surcharges. Safe driving habits may help you keep your car insurance costs in check.
The Average Cost of Car Insurance In California Monthly
In California, the average cost of car insurance is $1,429 per year or $119 per month.
Top 10 Cheapest car insurance in California
The table below shows the top cheapest car insurance for you in California and they include the following
| COMPANY | AVERAGE ANNUAL RATE |
| Alliance United | $2,184 |
| Allstate | $1.716 |
| Farmers | $2,054 |
| Geico | $1,347 |
| Mercury Insurance | $1,470 |
| Progressive | $1,296 |
| State Farm | $2,070 |
| Statewide Average | $1,780 |
| Travelers | $1,890 |
| USAA | $1,463 |
As per our research, Progressive has the lowest average annual auto insurance rates in California, at $1,296, 27% less than the state average. Nationwide is the most expensive major car insurance provider in California, charging approximately 30% more than the state average.
California Car Insurance Rates After a Speeding Ticket
The best rates after a speeding ticket are offered by USAA. Slowing down can lower insurance premiums, as one speeding incident can raise them by an average of $750 per year.
| COMPANY | AVERAGE ANNUAL RATE |
| Alliance United | $2,881 |
| Allstate | $2,488 |
| Farmers | $2,830 |
| Geico | $1,991 |
| Mercury Insurance | $1,937 |
| Progressive | $2,471 |
| State Farm | $3,024 |
| Statewide Average | $2,531 |
| Travelers | $2,810 |
| USAA | $1,602 |
California Car Insurance Rates For Young Adults
The table below shows the cheapest auto insurance companies and their rates for young adults in the state. In California, young adults pay the highest car insurance premiums compared to other age groups.
| COMPANY | 25-YEAR-OLD FEMALES | 25-YEAR-OLD MALES |
| Alliance United | $2,620 | $2,620 |
| Allstate | $2,016 | $2,016 |
| Farmers | $2,359 | $2,359 |
| Geico | $1,630 | $1,630 |
| Mercury Insurance | $1,851 | $1,851 |
| Progressive | $1,664 | $1,664 |
| State Farm | $2,376 | $2,376 |
| Statewide Average | $2,138 | $2,127 |
| Travelers | $2,212 | $2,212 |
| USAA | $1,840 | $1,738 |
California Rates After a DUI
Mercury Insurance car insurance is said to have the lowest rates after a DUI. Drinking and driving can more than double your car insurance bill.
| COMPANY | AVERAGE ANNUAL RATE |
| Alliance United | $4,745 |
| Allstate | $5,581 |
| Farmers | $3,537 |
| Geico | $3,155 |
| Mercury Insurance | $2,423 |
| Nationwide | $5,600 |
| Progressive | $3,074 |
| Statewide Average | $4,251 |
| Travelers | $3,918 |
| USAA | $4,181 |
California Car Insurance Rates for Good Drivers
From the table below, Progressive car insurance offers the lowest premium for those with clean driving records.
| COMPANY | AVERAGE ANNUAL RATE |
| Alliance United | $2,184 |
| Allstate | $1,716 |
| Farmers | $2,054 |
| Geico | $1,347 |
| Mercury Insurance | $1,470 |
| Progressive | $1,296 |
| State Farm | $2,070 |
| Statewide Average | $1,780 |
| Travelers | $1,890 |
| USAA | $1,463 |
California Car Insurance Rates For Teen Drivers
This table shows the cheapest car insurance companies for teen drivers in the state.
| COMPANY | 17-YEAR-OLD FEMALES | 17-YEAR-OLD MALES |
| Alliance United | $6,006 | $6,006 |
| Allstate | $4,610 | $4,610 |
| Farmers | $4,843 | $4,843 |
| Geico | $3,769 | $3,769 |
| Mercury Insurance | $3,785 | $3,785 |
| Progressive | $4,375 | $4,375 |
| State Farm | $3,959 | $3,959 |
| Statewide Average | $4,669 | $4,669 |
| Travelers | $3,920 | $3,920 |
| USAA | $3,690 | $3,690 |
California Rates After an Accident
From the information shown in the table below, Geico has the lowest rates after an accident.
| COMPANY | AVERAGE ANNUAL RATE |
| Allstate | $3,188 |
| Farmers | $3,537 |
| Geico | $2,224 |
| Mercury Insurance | $2,546 |
| Nationwide | $3,645 |
| Progressive | $2,658 |
| State Farm | $3,162 |
| Statewide Average | $3,136 |
| Travelers | $3,104 |
| USAA | $2,551 |
California Car Insurance Rates For Seniors
This shows the cheapest auto insurance companies and their rates for seniors from the age of 60 and above. Progressive car insurance offers the best rate for this age group.
| COMPANY | 60-YEAR-OLD FEMALES | 60-YEAR-OLD MALES |
| Alliance United | $2,091 | $2,091 |
| Allstate | $1,444 | $1,444 |
| Farmers | $1,864 | $1,864 |
| Geico | $1,178 | $1,178 |
| Mercury Insurance | $1,232 | $1,232 |
| Nationwide | $1,922 | $1,922 |
| Progressive | $1,081 | $1,081 |
| State Farm | $1,769 | $1,769 |
| Statewide Average | $1,552 | $1,552 |
| Travelers | $1,654 | $1,654 |
| USAA | $1,281 | $1,284 |
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Conclusion
California is a no-fault state. As a result, if you cause an accident, you may be sued. This could include being sued for expenses that your insurance policy does not cover.
FAQS
What is California’s good driver discount?
Drivers who meet the state’s definition of a good driver are legally entitled to a 20% discount in California. California drivers who meet the state’s criteria and receive a discount must: Have held a license for a minimum of three years.
Which city in California has the cheapest car insurance?
Chula Vista has the lowest auto insurance premiums in California, with an annual premium of $1,299 on average.
Is car insurance required in California?
Anyone who owns or operates a motor vehicle in California is required to have auto insurance.
How much car insurance do I need in California?
Coverage options vary depending on the car owner’s preferences. However, the minimum liability insurance policy requirements in California are as follows:
$15,000 for a single person’s injury or death.
$30,000 for multiple person injury/death.
$5,000 in property damage.
Watch the video below for more clarity:
About Author
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My name is Precious Ejiofor, I am a professional self motivated, dependable writer and editor, with over 4 year of experience in writing for variety of business and platforms. I am able and capable to write on any kind of topic.
Specifically, I focus on producing persuasive and compelling contents that is thoughtful, prominent, and engaging.
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