Cheapest Car Insurance in California
Compared to other car insurers in California, Capital and Wawanesa are the cheapest insurers for entire coverage, based on Bankrate ’ sulfur 2021 data.
| Provider | Average Annual Full Coverage Premium* | Average Annual Minimum Coverage Premium* |
| Capital | $1,582 | $743 |
| Wawanesa | $1,599 | $652 |
| Geico | $1,615 | $521 |
| Mercury | $1,636 | $624 |
| Travelers | $1,794 | $675 |
| Progressive | $1,808 | $668 |
| Infinity | $1,859 | $847 |
| State Farm | $1,943 | $663 |
| Alliance United | $2,115 | $756 |
| Allstate | $2,119 | $801 |
data accurate as of 01/27/22 * Data provided by Bankrate.com
Cheap Car Insurance in California by City
If you live in the californian cities of Weed or Trinidad, you may pay among the cheapest policy rates for minimum coverage. Cities with the cheapest full moon coverage include Los Osos, Weed, and Cambria. A number of factors are used to determine a person ’ sulfur car insurance pace. Location is one of these factors, so people will see a difference in their rates if they live in urban areas. This is largely ascribable to higher vandalism, accident and larceny rates in urban areas than those in modest or rural towns .
29 cities with the cheapest insurance in California
| City | Average Annual Full Coverage Premium* | Average Annual Minimum Coverage Premium* |
| Los Osos | $1,561 | $566 |
| Weed | $1,576 | $509 |
| Cambria | $1,586 | $552 |
| Mount Shasta | $1,587 | $532 |
| Yreka | $1,604 | $547 |
| Solvang | $1,608 | $587 |
| Buellton | $1,609 | $567 |
| Bishop | $1,613 | $546 |
| Dixon Lane-Meadow Creek | $1,613 | $546 |
| West Bishop | $1,613 | $546 |
| Round Valley | $1,613 | $546 |
| Lompoc | $1,620 | $574 |
| Vandenberg Village | $1,620 | $574 |
| Mission Hills | $1,620 | $574 |
| Avila Beach | $1,626 | $586 |
| Morro Bay | $1,628 | $587 |
| Nipomo | $1,630 | $571 |
| Los Alamos | $1,632 | $560 |
| Arroyo Grande | $1,634 | $588 |
| Callender | $1,634 | $588 |
| Los Ranchos | $1,636 | $611 |
| Big Pine | $1,642 | $528 |
| Pismo Beach | $1,645 | $598 |
| Trinidad | $1,646 | $519 |
| Westhaven-Moonstone | $1,646 | $519 |
| Santa Ynez | $1,652 | $601 |
| San Ardo | $1,653 | $523 |
| Vandenberg AFB | $1,653 | $596 |
| Oceano | $1,657 | $606 |
* Data provided by Bankrate.com
Cheapest Car Insurance Rates in California With a Prior Accident
If you have a previous accident, the cheapest car policy in California for you might be with Capital or Wawanesa. The companies with the lowest average increases after an accident are Capital and State Farm. Driving phonograph record is one of many factors that determine your car insurance rate. If you are a California driver who has a cable car accident on your record, evening if it is merely one, you will probable pay more for insurance than a driver with no accidents on their record would pay. Average Annual Full Coverage Premiums Before and After an Accident
| Provider | No Accident* | 1 Accident* | Difference |
| Capital | $1,582 | $2,017 | 27% |
| Wawanesa | $1,599 | $2,272 | 42% |
| Geico | $1,615 | $2,377 | 47% |
| Mercury | $1,636 | $2,747 | 68% |
| Travelers | $1,794 | $2,820 | 57% |
| Progressive | $1,808 | $3,813 | 111% |
| Infinity | $1,859 | $3,474 | 87% |
| State Farm | $1,943 | $2,651 | 36% |
| Alliance United | $2,115 | $4,620 | 118% |
| Allstate | $2,119 | $3,975 | 88% |
* Data provided by Bankrate.com
California Car Insurance FAQs
Who has the cheapest car insurance in California?
If you are interest in insurers who offer the cheapest rates for full coverage, you may want to look into Capital and Wawanesa. Keep in mind that your rates will vary based on your personal rate factors. The ship’s company that is cheapest for you may be a different aircraft carrier wholly .
What is the average cost for car insurance in California?
In California, the price of policy is $ 2,065 per class for full coverage and $ 733 per year for minimum coverage, according to 2021 data from Bankrate.com. Your rates will vary based on your rat circumstances, so you might pay more or less than these averages .
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on exchangeable metrics. For the best cable car policy companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and on-line resources from each company to determine top providers. As for average price, we used Bankrate.com ’ s data of cable car insurance in California, based on the profiles of a 40-year male and female. For full coverage, the details used were the following :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimal coverage that meets each state ’ mho requirements. Our base visibility drivers own a 2019 Toyota Camry, commute five days a workweek and drive 12,000 miles annually. These are sample rates and should entirely be used for comparative purposes. Incidents: Rates were calculated by evaluating our nucleotide profile with the surveil incidents applied : clean record ( base ), at-fault accident .