Cheap Car Insurance in California for 2022 – NerdWallet

Whether you ’ rhenium stuck in Los Angeles ’ traffic-packed highways or navigating coastal state Route 1, you ’ ll need car indemnity to drive in California. If you ’ re looking for cheap car policy, you ’ ve come to the right position. NerdWallet has done the hard work of finding the cheapest car policy companies in California so you don ’ t have to. Read on to see the cheapest options for a variety show of ages and driving histories, plus California ’ randomness required minimal coverage.

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Cheapest car insurance party overall in California
Esurance	$ 114/month	3.0 NerdWallet rat 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 youthful drivers
Wawanesa	$ 165/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.

If you ’ re looking for the cheapest cable car indemnity 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 indemnity in California is $ 2,005 per class, or about $ 167 per calendar month, according to NerdWallet ’ s psychoanalysis. minimum coverage in California is $ 629 per year on average, but we found you can probable get a cheaper policy. For exemplar, Geico offers the cheapest rates in California at $ 377 per year, on average, for minimum coverage cable car indemnity for a 35-year-old driver with a clean drive record.

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 respective old age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in California. For broad 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 cheap car indemnity. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more feel on the road. still, some companies routinely have better insurance 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 postdate companies, which had the lowest average rates :

1. Wawanesa : $ 1,976 per year, or about $ 165 per month .
2. state 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 month .
5. National General : $ 2,749 per year, or about $ 229 per month .

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

Drivers in California who want just the department of 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 year, or about $ 62 per month .
3. Wawanesa : $ 782 per year, or about $ 65 per calendar month .
4. Travelers : $ 796 per year, or about $ 66 per calendar month .
5. state grow : $ 809 per year, or about $ 67 per month .

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

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

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

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

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

1. National General : $ 1,149 per year, or about $ 96 per month .
2. Grange Insurance Association : $ 1,260 per class, or about $ 105 per month .
3. Geico : $ 1,353 per year, or about $ 113 per month .
4. Wawanesa : $ 1,369 per class, or about $ 114 per month .
5. Travelers : $ 1,609 per class, 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 cable car indemnity rates than in their teens and 20s. hush, factors like a person ’ second drive commemorate and cable car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car indemnity discounts.

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

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

1. Esurance : $ 1,367 per year, or about $ 114 per calendar month .
2. Geico : $ 1,479 per class, or about $ 123 per calendar month .
3. Wawanesa : $ 1,560 per year, or about $ 130 per calendar month .
4. CSAA : $ 1,711 per year, or about $ 143 per 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 country ‘s minimal coverage can check with the following companies, which had the lowest modal rates :

1. Geico : $ 382 per year, or about $ 32 per calendar month .
2. CSAA : $ 384 per year, or about $ 32 per calendar month .
3. Grange Insurance Association : $ 539 per year, or about $ 45 per month .
4. Travelers : $ 543 per year, or about $ 45 per calendar month .
5. progressive : $ 544 per year, or about $ 45 per calendar 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 modal rate options for fully 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 year, or about $ 184 per calendar month .
4. Wawanesa : $ 2,341 per year, or about $ 195 per calendar month .
5. Grange Insurance Association : $ 2,529 per year, or about $ 211 per calendar 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 postdate options for full coverage .

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

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better policy 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 ’ t get behind the wheel frequently might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

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

Drivers in California with cleanse driving 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 calendar month .
2. Geico : $ 1,438 per year, or about $ 120 per calendar month.

   Read more: Top Comparison Sites to Compare Auto Insurance Quotes [Best & Worst]

3. Wawanesa : $ 1,470 per year, or about $ 122 per calendar month .
4. eternity : $ 1,650 per year, or about $ 138 per calendar 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 merely the minimal coverage may want to check prices from these companies, which had the lowest average rates :

1. Geico : $ 374 per year, or about $ 31 per calendar month .
2. CSAA : $ 398 per year, or about $ 33 per month .
3. Grange Insurance Association : $ 476 per year, or about $ 40 per month .
4. Travelers : $ 528 per year, or about $ 44 per calendar month .
5. liberal : $ 535 per year, 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 holocene accident populate in California, here are the companies with the lowest modal rates for full coverage :

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

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

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

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

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other senesce groups on average. Prices will continue to drop as they inch toward their 60s and gain more drive experience. Rates can silent vary depending on other factors such as a driver ’ sulfur sex and location, so it ’ south smart to shop around to find the best rate. Our number of the best brassy car insurance companies is a well put 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 class, or about $ 106 per 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 month .
5. eternity : $ 1,613 per year, or about $ 134 per calendar month .

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

Drivers in California who opt for the state of matter minimal coverage may want to consider the play along companies, with the lowest average rates :

1. Geico : $ 368 per year, or about $ 31 per month .
2. CSAA : $ 378 per year, or about $ 32 per calendar month .
3. Grange Insurance Association : $ 462 per class, 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 year, or about $ 43 per month .

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

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

1. Esurance : $ 2,017 per year, or about $ 168 per month .
2. CIG : $ 2,049 per year, or about $ 171 per month .
3. CSAA : $ 2,078 per year, or about $ 173 per calendar 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 class, or about $ 159 per month .
2. Wawanesa : $ 2,574 per year, or about $ 214 per calendar month .
3. eternity : $ 2,590 per year, or about $ 216 per calendar month .
4. mercury : $ 2,701 per class, or about $ 225 per calendar month .
5. Grange Insurance Association : $ 2,795 per class, or about $ 233 per calendar month .

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Cheapest for 60-year-old drivers

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

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

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

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

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

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

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

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

For drivers with a late accident survive in California, hera are the companies with the lowest average rates for fully coverage :

1. CSAA : $ 1,940 per class, or about $ 162 per month .
2. CIG : $ 2,013 per year, or about $ 168 per calendar month .
3. Wawanesa : $ 2,049 per year, or about $ 171 per calendar 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 calendar month .
2. Wawanesa : $ 2,432 per class, or about $ 203 per month .
3. eternity : $ 2,712 per year, or about $ 226 per month .
4. mercury : $ 2,735 per year, 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 immediate family extremity who is — chances are you ‘ll get a relatively cheap rate with USAA, a company 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 policy option for 2 of the 24 driver profiles we examined.

Minimum auto insurance requirements in California

California drivers must carry liability policy in the trace amounts :

• $ 15,000 bodily injury liability per person .
• $ 30,000 bodily injury liability per accident .
• $ 5,000 place wrong indebtedness per accident .

liability car indemnity covers the monetary value of any wrong, injuries or deaths you cause in a car accident, up to your policy ’ sulfur predefined limits. Experts recommend getting more than the bare minimum if you want to avoid dipping into your own savings to cover expenses. For case, California has a relatively low property damage minimal, only $ 5,000. If you cause an accident and sum another driver ’ randomness car, the wrong could easily exceed that measure, and you would have to pay the remainder out of pocket. Check out NerdWallet ’ s guide to state car indemnity requirements for more details on how the command and optional parts of your California policy work.

Auto insurance laws in California

California ’ s policy laws are uniquely consumer-friendly, according to many experts. A distribute of that is thanks to Proposition 103, which was approved by voters in 1988 and immediately necessitate 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 insurance price : unlike in most other states, car insurers in California can ’ triiodothyronine set prices based on credit history, nor can they charge more for lapses in car coverage. The department of state 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 fourth dimension to roll out modern rates so this may not affect you quite even. Auto body rectify claims : California ’ s indemnity code includes a consumer bill of rights for repairs after a claim. They include :

• The correct to choose your own car body repair patronize and obtain mugwump damage estimates while the call is ongoing .
• The right to an itemize bill of repairs. The bill 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 quality, safety, fit and performance .
• The right to accurate information about tow and storage services and your policy ’ south coverage, if any, for a rental car while yours is in the patronize .

Alternative car insurance in California

If you have a high number of accidents, DUIs or early factors making it unvoiced to find car coverage, you might qualify for insurance through the California Automobile Assigned Risk Plan. This administration connects bad drivers to policy companies that will cover them. For more assistant finding the most competitive prices in California, try NerdWallet ’ randomness car policy comparison instrument.

Low-income car insurance in California

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

• A current California driver ’ randomness license .
• An car deserving $ 25,000 or less .
• Income of no more than 250 % of the federal poverty degree .

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

How AAA car insurance works in California

AAA, the car club best known for its wayside aid memberships, besides sells insurance in many states. But precisely like the golf club themselves, AAA indemnity 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 AAA 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 several other states.

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

source : https://insurecar.info
Category : car insurance questions