Cheap Auto Insurance Quotes in California

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California Car Insurance Averages for Annual Premiums

$611
Minimum Coverage Average
$1974
Full Coverage Average
$1116
All Coverage Types Average

Cheapest Car Insurance in California

Getting cheap car insurance in California doesn't necessarily mean getting a low quality policy.  Many insurance carriers offer discounts on your car insurance policy.  These discounts come from things like:

  • Adding multiple vehicles to a policy
  • Bundling home and auto insurance together
  • Paying for your policy upfront
  • Passing a defensive driving training course
  • Keeping your driving record in good standing
  • Updating your policy info on a regular basis
  • Checking your rates, deductible, and limits
  • Using an anti-theft security system on your car
  • Being careful with the type of vehicle your purchase

Make sure you ask the agent you speak with about what you can do to get California affordable car insurance.  Get them to go through all of the auto insurance discounts they offer so you don't miss any.

 

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Best Car Insurance in California

The Insureist™ Data Science team ranks the best insurance companies in California using multiple factors.  This includes areas such as financial health, reliability, quality, online reviews, and customer service.  Data is gathered from multiple credible sources that include:
  • Forbes
  • Consumer Reports
  • Standard & Poor’s
  • J.D. Power
  • Moody’s
  • A.M. Best

The best auto insurance companies in California are determined based on these results.

Car Insurance in California

California Vehicle insurance pricing will be different from city to city.  The Insureist™ Data Science team analyzed each metro area in California to give you an idea of the average insurance premium in each city.  CA insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.

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Types of California Car Insurance Quotes

The cheapest insurance companies in California will be different from person to person.  This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in California. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:

  • Age
  • Vehicle make and model
  • Insurance claim history
  • Credit score
  • Driving record
  • Gender
  • Marital status
  • Legal liability requirements
  • Where you live
  • Miles driven each year

Cheap Auto Insurance for Good Drivers

Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of California.

Cheap Auto Insurance for Drivers with DUI

Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for CA car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.

Cheap Auto Insurance for Drivers with an At-Fault Accident

Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.

Cheap Auto Insurance for Speeding Drivers

Speeding tickets can directly impact the rate you pay for CA auto insurance.  Get enough of them and you can even lose your license.

Cheap Auto Insurance for Young Drivers

Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some CA insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.

California SR‌-22 Insurance

You will need to get SR‌-22 insurance in CA if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DM/BMV.

Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:

  • Convicted of a DUI or DWI
  • Operating a vehicle without insurance
  • Too many violations or accidents where you are at-fault
  • Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
  • Refusing to pay child support that is court-ordered
  • Having to obtain a hardship license

The SR-22 is not an insurance policy. It's a document that your insurance company in CA files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.

FAQs - California Car Insurance & Driving Facts

Which car insurance is best in California?

The best car insurance company in California will vary depending on where you are located in the state and what type of coverage you need. It's a good idea to get a quote from multiple CA insurance companies to get the best deal for you. Here are the largest insurance companies in the US that you may consider starting with: State Farm, GEICO, Progressive Corporation, Allstate, USAA, Liberty Mutual, Farmers Insurance Group, Nationwide Mutual Insurance Company, American Family Insurance, The Travelers Companies. Please note that they may or may not provide specific kinds of coverage in your area.

How much car insurance do i need in California?

The minimum auto insurance liability coverage required in the state of California is 15/30/5. This means that you must by law have at least the following coverages: $15000 bodily injury coverage per person, $30000 bodily injury coverage per accident, $5000 property damage coverage per accident. While these are the legal minimums to drive in California, many experts recommend that you get liability coverage of at least 100/300/50 if you can afford it. This means you should strongly consider: $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, $50,000 property damage coverage per accident. You may also consider getting additional CA auto insurance coverage depending on your financial situation.

How much does car insurance cost in California?

The average annual cost of an auto insurance policy in California is $1116. The average minimum coverage annual cost in California is $611. The average full coverage annual cost in California is $1974.

How does car insurance work in California?

Car insurance pays for damage caused by the driver, but can also cover repairs and medical bills. Motorists buy policies from auto insurance companies that promise some coverage for different situations. There are different types of car insurance for drivers in different states, and there are many different levels of coverage available from different companies. Vehicle insurance is mandatory in 48 states, but the specific insurance requirements and costs vary from state to state for each driver.

What are the different types of car insurance in California?

These are the 5 typical components of an auto insurance policy: Liability Coverage - Pays for injuries to people and damage to property caused by you in an accident; Uninsured and Underinsured Motorist Coverage - Pays your medical bills if you are in an accident and the other driver does not have an insurance policy or does not have a big enough one; Comprehensive Coverage - Pays for damage to your car from fire, hail, flood, falling objects, vandalism, hitting an animal, and theft of your car; Collision Coverage - Pays for the repair or replacement of your car after an accident; Medical Payments Coverage - Pays for covering the cost of medical expenses related to an accident.

Additional Insights

California Map

California

Vehicle Insurance

California is a state in the Pacific Coast region of the United States. With over 39.3 million residents across a total area of approximately 163,696 square miles (423,970 km2), it is the most populous U.S. state and the third-largest by area, as well as the world's thirty-fourth-most-populous subnational entity. California is also the most populated subnational entity in North America, and has its state capital in Sacramento. The Greater Los Angeles area and the San Francisco Bay Area are the nation's second- and fifth-most-populous urban regions, with more than 18.7 million and 9.6 million residents respectively.Los Angeles is California's most populous city, and the country's second-most-populous, after New York City. California also has the nation's most populous county, Los Angeles County, and its largest county by area, San Bernardino County. The City and County of San Francisco is both the country's second most densely populated major city after New York City and the fifth-most-densely populated county, behind only four of the five New York City boroughs.

California's economy, with a gross state product of $3.2 trillion as of 2019, is the largest sub-national economy in the world. If it were a country, California would be the fifth-largest economy in the world, and the 37th-most populous as of 2020. The Greater Los Angeles area and the San Francisco Bay Area are the nation's second- and third-largest urban economies ($1.0 trillion and $0.5 trillion respectively as of 2020), after the New York metropolitan area ($1.8 trillion). The San Francisco Bay Area Combined Statistical Area had the nation's highest gross domestic product per capita in 2018 ($106,757) among large primary statistical areas, and is home to four of the world's ten largest companies by market capitalization and four of the world's ten richest people.

What is now California was first settled by various Native Californian tribes before being explored by a number of Europeans during the 16th and 17th centuries. The Spanish Empire then claimed and colonized it. In 1804 it was included in Alta California province, within the Viceroyalty of New Spain. The area became a part of Mexico in 1821 following its successful war for independence but was ceded to the United States in 1848 after the Mexican–American War. The western portion of Alta California was then organized and admitted as the 31st state on September 9, 1850 following the Compromise of 1850. The California Gold Rush starting in 1848 led to dramatic social and demographic changes, with large-scale emigration from the east and abroad with an accompanying economic boom.

Today, California is considered a global trendsetter in popular culture, communication, information, innovation, environmentalism, economics, politics, and entertainment. As a result of the state's diversity and migration, California integrates foods, languages, and traditions from other areas across the country and around the globe. It is considered the origin of the hippie counterculture, beach and car culture,[citation needed] the Internet, and the personal computer, among other innovations. The San Francisco Bay Area and the Greater Los Angeles Area are widely seen as centers of the global technology and entertainment industries, respectively. California's economy is very diverse: 58% of it is based on finance, government, real estate services, technology, and professional, scientific, and technical business services. Although it accounts for only 1.5% of the state's economy, California's agriculture industry has the highest output of any U.S. state.

California shares a border with Oregon to the north, Nevada and Arizona to the east, and the Mexican state of Baja California to the south. The state's diverse geography ranges from the Pacific Coast and Metropolitan areas in the west to the Sierra Nevada mountain range in the east, and from the redwood and Douglas fir forests in the northwest, to the Mojave Desert endorheic basin in the southeast. The Central Valley, a major agricultural area, dominates the state's center. Although California is well-known for its warm Mediterranean climate and monsoon seasonal weather, the large size of the state results in climates that vary from moist temperate rainforest in the north to arid desert in the interior, as well as snowy alpine in the mountains. All these factors lead to an enormous demand for water; in total numbers, California is the largest consumer of water in North America. Over time, drought and wildfires have become more frequent; further straining California's water security.

Source

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Source

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