Where to Get the Cheapest Car Insurance in California (2022)
Minimum-coverage car insurance in California costs an average of $ 71 per calendar month, according to our research. Full-coverage car indemnity in California costs an modal of $ 166 per month .
Looking for tied cheaper car policy rates as a California driver ? You ’ re in luck. Based on our data, you can get a liability-only policy from CSAA for an average of $ 49 per calendar month. And you can get a full-coverage policy from Allstate for an average of $ 138 per calendar month .
You ’ re most probably to get rates like these if you ’ re similar to the sample driver we used to survey California ’ s top insurance companies. If you ’ re older or younger, if you drive a different kind of fomite or if you don ’ t have a clean drive read, you might pay more or less than the average rates highlighted above .
Keep reading to get an mind of what car policy in California may cost you. In this article, you ’ ll learn about :
Who offers the cheapest full-coverage car insurance in California?
Allstate is the best company for cheap full-coverage cable car insurance in California, with an average monthly premium of $ 138, our research shows .
progressive and GEICO besides offer cheap full-coverage car policy to California drivers. Both offered our sample driver an average monthly premium of $ 143 .
These amounts are well below the California express average of $ 166 per month for full-coverage policies, which normally include liability, comprehensive and collision coverages .
| Company | Average monthly premium | |||
|---|---|---|---|---|
| Allstate | $138 | |||
| Progressive | $143 | |||
| GEICO | $143 | |||
| CSAA | $144 | |||
| Mercury | $159 | |||
| California average | $166 | |||
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
Where can I get cheap liability insurance in California?
The AAA-affiliated CSAA is the best company for cheap liability cable car insurance in California, with an average monthly premium of $ 49, according to our data .
Two extra sources of cheap liability car policy in California are Progressive and Mercury. Progressive offered our sample driver an average monthly premium of $ 56, while Mercury offered the same driver an average monthly bounty of $ 57 .
| Company | Average monthly premium | |||
|---|---|---|---|---|
| CSAA | $49 | |||
| Progressive | $56 | |||
| Mercury | $57 | |||
| GEICO | $58 | |||
| Kemper | $66 | |||
| California average | $71 | |||
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
Given the above, make sure you get a quotation mark from CSAA if you want the best low-cost car policy in California .
Keep in mind that what you pay for car insurance depends on several factors, including where you buy your policy, your historic period, and your vehicle ‘s cause and model. To get your best rate, denounce about and compare quotes from multiple companies .
How much is car insurance in California by age group?
Young drivers pay higher rates for car insurance in California than older drivers who have more experience on the road. Our analysis found that an average 19-year-old driver in California pays $ 129 per month for a state-minimum cable car insurance policy, for example. An modal 30-year-old California driver pays $ 71 per calendar month for a minimum-coverage policy .
The difference is similarly dramatic when you compare what drivers of different age groups pay for full-coverage car insurance in California. While an average 30-year-old driver spends $ 166 per month on a full-coverage policy, an average 16-year-old driver spends about three times that measure, or $ 463 per month .
Where can young drivers buy cheap insurance in California?
If you ’ re a adolescent driver looking for bum car indemnity in California, you should get quotes from Mercury, GEICO and Allstate .
Mercury offers adolescent drivers in California an average monthly agio of $ 136 for minimum-coverage car indemnity, our datum shows. Allstate offers the express ’ s adolescent drivers an average monthly bounty of $ 307 for full-coverage car insurance .
CSAA offers young California drivers in their twenties an median monthly premium of $ 69 for a minimum-coverage policy, while Allstate offers drivers in the lapp long time group an average monthly bounty of $ 176 for a full-coverage policy.
Which company offers the best and cheapest car insurance in California for drivers with a DUI?
California drivers looking for cheap car policy with a DUI on their records should get quotes from Mercury and Farmers while shopping for a policy .
Mercury offers California drivers with a DUI on their records full-coverage car policy for an median monthly rate of $ 264, according to our view. This is equitable $ 105 per month more than what Mercury charges to drivers with clean records .
| Company | Monthly rate before DUI | Monthly rate after DUI | Difference | |
|---|---|---|---|---|
| Mercury | $159 | $264 | $105 | |
| Farmers | $190 | $335 | $145 | |
| Progressive | $143 | $343 | $200 | |
| GEICO | $143 | 367 | $224 | |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
Farmers offers California drivers with a DUI on their records full-coverage policies for an average monthly rate of $ 335, which is $ 145 per calendar month more than what it charges if you have a clean drive read .
Which company offers the best and cheapest car insurance in California for drivers after an accident?
CSAA is the best company in California for bum car policy with an accident on your record. It offered our sample distribution driver an average monthly agio of $ 182 for a full-coverage policy. This is lone $ 38 per month more than what CSAA charges customers with clean drive records .
| Company | Monthly rate before accident | Monthly rate after accident | Difference | |
|---|---|---|---|---|
| CSAA | $144 | $182 | $38 | |
| Interinsurance Exchange of the Auto Club | $167 | $252 | $85 | |
| GEICO | $143 | $263 | $120 | |
| Mercury | $159 | $276 | $117 | |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
The AAA-affiliated Interinsurance Exchange of the Auto Club is another good choice for California drivers with an accident on their records. It offers drivers with accidents an average monthly premium of $ 252 for full-coverage cable car indemnity .
Which company offers the best and cheapest car insurance in California for drivers with speeding tickets?
If you ’ re a California driver with a speeding ticket on your read, get quotes from CSAA and Allstate while shopping around for car policy .
CSAA offers California drivers with tickets full-coverage car policy for an average monthly premium of $ 182, based on our data. Allstate offers drivers in that same situation $ 199 per month, on average .
| Company | Monthly rate before ticket | Monthly rate after ticket | Difference | |
|---|---|---|---|---|
| CSAA | $144 | $182 | $38 | |
| Allstate | $138 | $199 | $61 | |
| Mercury | $159 | $211 | $52 | |
| GEICO | $143 | $226 | $83 | |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
Where can I get low-income car insurance in California?
If you can ’ deoxythymidine monophosphate afford the minimum car policy required by California law, you may be able to get coverage from California ’ s Low Cost Automobile ( CLCA ) policy program .
The CLCA broadcast lets you purchase an car policy policy with 10/20/3 liability coverage limits, which are less than the state-required minimums. That means the policy includes :
- $10,000 of bodily injury liability coverage per person
- $20,000 of bodily injury liability coverage per accident
- $3,000 of property damage liability coverage
Californians who qualify for this broadcast can buy car policy coverage for ampere little as $ 244 per year. For an extra $ 39 to $ 104 per year, you can add the play along coverage types and amounts to your CLCA policy :
- $1,000 of medical payments coverage per person
- $10,000 of uninsured motorist bodily injury coverage per person
- $20,000 of uninsured motorist bodily injury coverage per accident
To qualify for CLCA coverage, you must :
- Be at least 16 years old.
- Have a valid California driver’s license.
- Have a good driving record.
- Own a vehicle worth $25,000 or less.
- Meet certain income eligibility guidelines.
What are the best car insurance companies in California?
California drivers who want bum cable car indemnity should start by getting quotes from CSAA and Allstate. If you call the Golden State dwelling and you value service and satisfaction vitamin a well as low rates, get a quote from GEICO, besides .
GEICO got a gamey score in J.D. Power ’ sulfur 2020 U.S. Auto Insurance Satisfaction Study, where the regional average is 821 and higher scores are better than lower ones. It besides earned a low score in NAIC ’ randomness 2020 Complaint Index. That means customers filed fewer complaints against GEICO with state regulators than would be expected in the commercialize .
| Company | J.D. Power 2021 U.S. Auto Insurance Satisfaction Study | NAIC 2020 Complaint Index | ||
|---|---|---|---|---|
| Allstate | 803 | 2.08 | ||
| CSAA | 807 | 1.18 | ||
| GEICO | 828 | 0.79 | ||
| Mercury | 816 | 1.34 | ||
| Progressive | 819 | 2.26 | ||
| Note: J.D. Power assesses overall customer satisfaction on a 1,000-point scale. The NAIC Complaint Index is the rate at which customers file complaints to their state regulators. The median Complaint Index is 1.0. | ||||
What are the car insurance requirements in California?
If you own and drive a vehicle in California, you need to have at least a minimum amount of indebtedness cable car policy coverage or otherwise prove fiscal province. California drivers who choose to meet this prerequisite with car insurance must buy policies with 15/30/5 coverage limits. That means a policy needs at least :
- $15,000 of bodily injury liability coverage per person
- $30,000 of bodily injury liability coverage per accident
- $5,000 of property damage liability coverage
Although a car policy policy with 15/30/5 liability coverage limits lets you legally drive in California, it doesn ’ metric ton protect you if an accident or some early consequence damages or destroys your vehicle. For that, you need collision and comprehensive car indemnity coverage .
Methodology
QuoteWizard conducted a comprehensive study of cable car indemnity rates in California using Quadrant Information Services. Unless otherwise stated, the quotes analyzed were for a individual, 30-year-old male with a clean drive phonograph record. He owns a 2012 Honda Accord LX and drives it an modal of 13,500 miles a year.
When discussing full-coverage car insurance policies in this article, the driver has the be coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 collision and comprehensive deductible
Sources:
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