Cheap Car Insurance in California for 2022 – NerdWallet

Whether you ’ rhenium stuck in Los Angeles ’ traffic-packed highways or navigating coastal submit Route 1, you ’ ll indigence car insurance to drive in California. If you ’ rhenium looking for brassy car insurance, you ’ ve total to the right field seat. NerdWallet has done the hard study of finding the cheapest car indemnity companies in California so you don ’ t have to. Read on to see the cheapest options for a diverseness of ages and driving histories, plus California ’ randomness required minimum coverage. Why you can trust NerdWallet : Our writers and editors follow nonindulgent editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every venue in the nation where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a fourth dimension, so you can well see how each factor affects price.

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Cheapest car policy company overall in California
Esurance $ 114/month

3.0 NerdWallet fink

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Cheapest for minimum coverage
Geico $ 31/month

4.5 NerdWallet denounce

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Cheapest for young drivers
Wawanesa $ 165/month

3.0 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

If you ’ ra looking for the cheapest car insurance in your area, NerdWallet analyzed rates for some of the largest California cities, including :

The average cost of auto insurance in California

The average monetary value of full coverage car policy in California is $ 2,005 per year, or about $ 167 per month, according to NerdWallet ’ sulfur analysis. minimum coverage in California is $ 629 per year on average, but we found you can likely get a cheaper policy. For case, Geico offers the cheapest rates in California at $ 377 per class, on average, for minimum coverage car indemnity for a 35-year-old driver with a clean and jerk drive read.

How we chose the cheapest companies in California

NerdWallet ’ s editorial team analyzed car insurance rates from 26 car insurers in California and found the five cheapest options for drivers in several age brackets and with unlike histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in California. For fully coverage, we used the under coverage limits :

  • $ 100,000 bodily injury liability per person .
  • $ 300,000 bodily injury liability per accident .
  • $ 50,000 property damage indebtedness per accident .
  • $ 100,000 uninsured motorist coverage per person .
  • $ 300,000 uninsured motorist coverage per accident .
  • Collision coverage with a $ 1,000 deductible .
  • comprehensive coverage with a $ 1,000 deductible .

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a draw of quotes to find the best brassy car indemnity. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. calm, some companies routinely have better policy rates for youthful drivers, so it ‘s best to shop around to find them.

Cheapest full coverage car insurance in California for 20-year-olds

Drivers in California with clean drive records may want to consider the pursuit companies, which had the lowest median rates :

  1. Wawanesa : $ 1,976 per year, or about $ 165 per month .
  2. state of matter farm : $ 2,511 per year, or about $ 209 per calendar month .
  3. Geico : $ 2,553 per year, or about $ 213 per calendar month .
  4. Esurance : $ 2,632 per year, or about $ 219 per calendar month .
  5. National General : $ 2,749 per year, or about $ 229 per calendar month .

Cheapest minimum coverage car insurance in California for 20-year-olds

Drivers in California who want merely the state minimum coverage may want to check with these companies, which had the lowest average rates :

  1. CSAA : $ 697 per year, or about $ 58 per calendar month .
  2. Geico : $ 745 per class, or about $ 62 per calendar month .
  3. Wawanesa : $ 782 per year, or about $ 65 per month .
  4. Travelers : $ 796 per year, or about $ 66 per calendar month .
  5. state farm : $ 809 per year, or about $ 67 per calendar month .

Cheapest auto insurance in California for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in California, here are the companies with the lowest average rates for minimal coverage :

  1. Grange Insurance Association : $ 1,008 per year, or about $ 84 per month .
  2. Geico : $ 1,025 per year, or about $ 85 per month .
  3. CSAA : $ 1,044 per year, or about $ 87 per month .
  4. Wawanesa : $ 1,226 per year, or about $ 102 per calendar month .
  5. Travelers : $ 1,236 per class, or about $ 103 per calendar month .

Cheapest auto insurance in California for 20-year-old drivers after a DUI

The cheapest car policy we found after a DUI is shown here, alongside the insurers ‘ average rates for minimum coverage .

  1. National General : $ 1,149 per year, or about $ 96 per month .
  2. Grange Insurance Association : $ 1,260 per year, or about $ 105 per month .
  3. Geico : $ 1,353 per class, or about $ 113 per calendar month .
  4. Wawanesa : $ 1,369 per year, or about $ 114 per month .
  5. Travelers : $ 1,609 per year, or about $ 134 per month .

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car policy rates than in their teens and 20s. distillery, factors like a person ’ second drive record and car lay down and model can increase prices. Drivers in their 30s can get lower rates by shopping about and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in California for 30-year-olds

Drivers in California with clean drive records may get the lowest rates from these companies :

  1. Esurance : $ 1,367 per class, or about $ 114 per calendar month .
  2. Geico : $ 1,479 per year, or about $ 123 per calendar month .
  3. Wawanesa : $ 1,560 per class, or about $ 130 per calendar month .
  4. CSAA : $ 1,711 per year, or about $ 143 per calendar month .
  5. CIG : $ 1,738 per year, or about $ 145 per month .

Cheapest minimum coverage car insurance in California for 30-year-olds

Drivers in California who want their department of state ‘s minimum coverage can check with the following companies, which had the lowest average rates :

  1. Geico : $ 382 per class, or about $ 32 per month .
  2. CSAA : $ 384 per class, or about $ 32 per calendar month .
  3. Grange Insurance Association : $ 539 per year, or about $ 45 per calendar month .
  4. Travelers : $ 543 per year, or about $ 45 per month .
  5. progressive : $ 544 per year, or about $ 45 per month .

Cheapest auto insurance in California for 30-year-old drivers with one at-fault crash

For drivers in California with a recent accident, here are the lowest average rate options for wide coverage :

  1. CSAA : $ 2,161 per year, or about $ 180 per calendar month .
  2. Esurance : $ 2,163 per year, or about $ 180 per calendar month .
  3. CIG : $ 2,211 per class, or about $ 184 per calendar month .
  4. Wawanesa : $ 2,341 per year, or about $ 195 per month .
  5. Grange Insurance Association : $ 2,529 per year, or about $ 211 per month .

Cheapest auto insurance in California for 30-year-old drivers after a DUI

For the cheapest car insurance after a DUI, we found the play along options for full coverage .

  1. National General : $ 1,995 per year, or about $ 166 per month .
  2. Wawanesa : $ 2,790 per year, or about $ 232 per month .
  3. eternity : $ 2,808 per year, or about $ 234 per month .
  4. mercury : $ 2,933 per year, or about $ 244 per month .
  5. Grange Insurance Association : $ 3,161 per year, or about $ 263 per month .

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better indemnity rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car policy quotes with multiple insurers is the best means to find lower rates. good drivers who don ’ thymine drive behind the wheel frequently might want to consider pay-per-mile indemnity, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in California for 40-year-olds

Drivers in California with clean drive records may want to think about the follow companies, which had the lowest average rates :

  1. Esurance : $ 1,289 per year, or about $ 107 per month .
  2. Geico : $ 1,438 per year, or about $ 120 per calendar month .
  3. Wawanesa : $ 1,470 per year, or about $ 122 per month .
  4. eternity : $ 1,650 per year, or about $ 138 per month .
  5. CIG : $ 1,677 per year, or about $ 140 per month .

Cheapest minimum coverage car insurance in California for 40-year-olds

Drivers in California who want just the minimal coverage may want to check prices from these companies, which had the lowest average rates :

  1. Geico : $ 374 per class, or about $ 31 per calendar month .
  2. CSAA : $ 398 per year, or about $ 33 per calendar month .
  3. Grange Insurance Association : $ 476 per class, or about $ 40 per month .
  4. Travelers : $ 528 per year, or about $ 44 per calendar month .
  5. progressive : $ 535 per class, or about $ 45 per calendar month .

Cheapest auto insurance in California for 40-year-old drivers with one at-fault crash

For drivers with a recent accident exist in California, here are the companies with the lowest average rates for full coverage :

  1. Esurance : $ 2,037 per class, or about $ 170 per calendar month .
  2. CIG : $ 2,133 per class, or about $ 178 per calendar month .
  3. CSAA : $ 2,145 per year, or about $ 179 per month .
  4. Wawanesa : $ 2,206 per year, or about $ 184 per month .
  5. Grange Insurance Association : $ 2,289 per class, or about $ 191 per calendar month .

Cheapest auto insurance in California for 40-year-old drivers after a DUI

The cheapest entire coverage car policy we found for drivers with a DUI came from the following companies :

  1. National General : $ 1,899 per year, or about $ 158 per month .
  2. Wawanesa : $ 2,628 per year, or about $ 219 per calendar month .
  3. eternity : $ 2,634 per year, or about $ 220 per calendar month .
  4. mercury : $ 2,854 per year, or about $ 238 per calendar month .
  5. Grange Insurance Association : $ 2,862 per year, or about $ 238 per month .

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car policy rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more force experience. Rates can still vary depending on other factors such as a driver ’ second gender and localization, so it ’ south smart to shop around to find the best rate. Our tilt of bum car insurance companies is a good place to start.

Cheapest full coverage car insurance in California for 50-year-olds

Drivers in California with clean and jerk drive records may want to get quotes from these insurers, which had the lowest average rates :

  1. Esurance : $ 1,274 per year, or about $ 106 per calendar month .
  2. Geico : $ 1,408 per year, or about $ 117 per calendar month .
  3. Wawanesa : $ 1,440 per year, or about $ 120 per calendar month .
  4. CIG : $ 1,612 per year, or about $ 134 per calendar month .
  5. eternity : $ 1,613 per class, or about $ 134 per month .

Cheapest minimum coverage car insurance in California for 50-year-olds

Drivers in California who opt for the state minimum coverage may want to consider the follow companies, with the lowest average rates :

  1. Geico : $ 368 per year, or about $ 31 per month .
  2. CSAA : $ 378 per class, or about $ 32 per month .
  3. Grange Insurance Association : $ 462 per year, or about $ 38 per calendar month .
  4. State National Ins Co. : $ 495 per class, or about $ 41 per calendar month .
  5. state farm : $ 516 per class, or about $ 43 per calendar month .

Cheapest auto insurance in California for 50-year-old drivers with one at-fault crash

For drivers living in California with a late accident, here are the insurers with the lowest average full moon coverage rates :

  1. Esurance : $ 2,017 per year, or about $ 168 per calendar month .
  2. CIG : $ 2,049 per year, or about $ 171 per calendar month .
  3. CSAA : $ 2,078 per class, or about $ 173 per month .
  4. Wawanesa : $ 2,165 per class, or about $ 180 per calendar month .
  5. Grange Insurance Association : $ 2,236 per year, or about $ 186 per calendar month .

Cheapest auto insurance in California for 50-year-old drivers after a DUI

The cheapest car policy we found for drivers with a holocene DUI comes from the following companies, listed with rates for full coverage :

  1. National General : $ 1,906 per year, or about $ 159 per calendar month .
  2. Wawanesa : $ 2,574 per year, or about $ 214 per month .
  3. eternity : $ 2,590 per class, or about $ 216 per month .
  4. mercury : $ 2,701 per class, or about $ 225 per month .
  5. Grange Insurance Association : $ 2,795 per year, or about $ 233 per calendar month .

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car policy rates than many other historic period groups on average, prices will start increasing as they get older. To find cheap car indemnity for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this long time group should besides take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in California for 60-year-olds

Drivers in California with uninfected drive records may want to think about getting quotes from these companies, which had the lowest average rates :

  1. Esurance : $ 1,302 per year, or about $ 108 per month .
  2. Wawanesa : $ 1,361 per year, or about $ 113 per calendar month .
  3. Geico : $ 1,411 per year, or about $ 118 per calendar month .
  4. CSAA : $ 1,536 per year, or about $ 128 per month .
  5. express farm : $ 1,553 per class, or about $ 129 per month .

Cheapest minimum coverage car insurance in California for 60-year-olds

Drivers in California who want precisely the state minimum coverage may want to check with these insurers, which had the lowest average rates :

  1. Geico : $ 367 per year, or about $ 31 per calendar month .
  2. CSAA : $ 384 per class, or about $ 32 per month .
  3. Grange Insurance Association : $ 452 per year, or about $ 38 per month .
  4. country farm : $ 473 per class, or about $ 39 per calendar month .
  5. Travelers : $ 501 per year, or about $ 42 per calendar month .

Cheapest auto insurance in California for 60-year-old drivers with one at-fault crash

For drivers with a late accident surviving in California, here are the companies with the lowest average rates for wax coverage :

  1. CSAA : $ 1,940 per year, or about $ 162 per month .
  2. CIG : $ 2,013 per class, or about $ 168 per month .
  3. Wawanesa : $ 2,049 per class, or about $ 171 per month .
  4. Esurance : $ 2,064 per year, or about $ 172 per calendar month .
  5. Grange Insurance Association : $ 2,196 per year, or about $ 183 per month .

Cheapest auto insurance in California for 60-year-old drivers after a DUI

The cheapest car insurance we found after a DUI came from the following companies, shown with their average rates for full coverage :

  1. National General : $ 1,839 per year, or about $ 153 per month .
  2. Wawanesa : $ 2,432 per class, or about $ 203 per month .
  3. eternity : $ 2,712 per class, or about $ 226 per calendar month .
  4. mercury : $ 2,735 per class, or about $ 228 per calendar month .
  5. Grange Insurance Association : $ 2,745 per year, or about $ 229 per month .

Cheapest car insurance for military families

If you ‘re an active member of the military or a veteran — or have an contiguous family extremity who is — chances are you ‘ll get a relatively cheap rate with USAA, a party that is n’t available to the general public. Because of that restriction, USAA is n’t ranked with the others, but it was the cheapest car indemnity choice for 2 of the 24 driver profiles we examined.

Minimum auto insurance requirements in California

California drivers must carry indebtedness insurance in the surveil amounts :

  • $ 15,000 bodily wound liability per person .
  • $ 30,000 bodily wound indebtedness per accident .
  • $ 5,000 property damage liability per accident .

indebtedness car insurance covers the cost of any price, injuries or deaths you cause in a cable car accident, up to your policy ’ randomness predefined limits. Experts recommend getting more than the unsheathed minimal if you want to avoid dipping into your own savings to cover expenses. For example, California has a relatively low property damage minimal, only $ 5,000. If you cause an accident and total another driver ’ s cable car, the wrong could easily exceed that amount, and you would have to pay the dispute out of pocket. Check out NerdWallet ’ s template to country car insurance requirements for more details on how the necessitate and optional parts of your California policy ferment.

Auto insurance laws in California

California ’ s indemnity laws are uniquely consumer-friendly, according to many experts. A lot of that is thanks to Proposition 103, which was approved by voters in 1988 and immediately command insurers to roll back prices 20 %. proposition 103 besides mandated that car policy rates be preapproved by the state ’ s department of indemnity, among other regulations. Many of the laws detailed below are from Proposition 103, but not all. Auto policy price : unlike in most early states, car insurers in California can ’ deoxythymidine monophosphate set prices based on credit rating history, nor can they charge more for lapses in car coverage. The state of matter besides recently banned gender-based pricing, which tends to translate to higher premiums for young men and middle-age women. The rule was introduced this year and insurers have some time to roll out raw rates indeed this may not affect you quite yet. Auto body haunt claims : California ’ s indemnity code includes a consumer bill of rights for repairs after a claim. They include :

  • The right to choose your own car consistency compensate patronize and obtain independent price estimates while the claim is ongoing .
  • The right to an enumerate bill of repairs. The invoice must identify parts as new, used or rebuilt, and must indicate whether they are aftermarket or original equipment manufactured parts .
  • When aftermarket parts are used, the insurance company ( and not necessarily the shop class ) must guarantee that they are equal to OEM parts in timbre, safety, equip and performance .
  • The correctly to accurate information about tow and storage services and your policy ’ south coverage, if any, for a rental cable car while yours is in the shop .

Alternative car insurance in California

If you have a high number of accidents, DUIs or other factors making it arduous to find car coverage, you might qualify for indemnity through the California Automobile Assigned Risk Plan. This arrangement connects bad drivers to indemnity companies that will cover them. For more help oneself finding the most competitive prices in California, try NerdWallet ’ sulfur car insurance comparison tool.

Low-income car insurance in California

If you can ’ t yield car insurance premiums, you might qualify for California ’ s Low Cost Auto Insurance plan, which has several payment plans and no broke fees. Requirements include :

  • A current California driver ’ sulfur license .
  • An car worth $ 25,000 or less .
  • Income of no more than 250 % of the union poverty level .

The federal poverty level depends on the year and the number of people in your family. For one person in 2021, the income limit for the program was $ 32,200. The program ’ sulfur web site has a calculator to determine income cutoffs for larger households, a rate calculator and a tool to find participating indemnity plans. You ’ ll have to provide documentation of income, a well as other requirements, to qualify.

How AAA car insurance works in California

AAA, the automobile club best known for its wayside aid memberships, besides sells insurance in many states. But fair like the club themselves, AAA policy companies are separate companies that operate independently. If you use a AAA web page, it will ask for your ZIP code in order to ensure you ‘re looking at information for your local anesthetic AAA golf club. The Automobile Club of Southern California serves the follow counties : Imperial, Inyo, Kern, Los Angeles, Mono, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, Tulare and Ventura. CSAA serves all other counties in California, plus respective other states.

therefore if you ’ re a AAA member and move from Northern California to SoCal, or vice versa, you would transfer membership from one cabaret to the other. If you have car insurance through your regional club and move, your policy, agio and agent would besides change. If you ’ re a AAA penis and need roadside aid outside of your home golf club ’ second region, the AAA cabaret in that area will take worry of you .

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