Geico : $ 503 per class |
CSAA : $ 581 per year |
grange : $ 615 per year |
first gear american : $ 650 per year |
mercury : $ 669 per year |
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Best Cities for Cheap Car Insurance in California
City | Premium | Percent Increase |
Chula Vista | $1,048 | 0.0% |
Salinas | $1,057 | 0.8% |
Santa Rosa | $1,093 | 4.2% |
Fremont | $1,117 | 6.5% |
Bakersfield | $1,122 | 7.1% |
San Diego | $1,154 | 10.0% |
Oceanside | $1,172 | 11.8% |
Oxnard | $1,175 | 12.1% |
Fresno | $1,180 | 12.6% |
Hayward | $1,185 | 13.0% |
San Jose | $1,186 | 13.2% |
Riverside | $1,198 | 14.3% |
Stockton | $1,214 | 15.8% |
Modesto | $1,218 | 16.2% |
Corona | $1,221 | 16.5% |
San Bernardino | $1,232 | 17.5% |
Fontana | $1,262 | 20.4% |
Irvine | $1,268 | 20.9% |
Moreno Valley | $1,269 | 21.1% |
Torrance | $1,283 | 22.4% |
Oakland | $1,300 | 24.0% |
Huntington Beach | $1,300 | 24.0% |
Santa Ana | $1,319 | 25.8% |
Whittier | $1,325 | 26.4% |
San Francisco | $1,346 | 28.4% |
Sacramento | $1,351 | 28.9% |
Lancaster | $1,452 | 38.5% |
Anaheim | $1,456 | 38.9% |
Long Beach | $1,464 | 39.6% |
Los Angeles | $1,679 | 60.2% |
Factors That Affect Car Insurance Premiums in California
Cheapest Car Insurance in California
- Grange: $72 per month
- Wawanesa: $76 per month
- USAA: $80 per month
- Travelers: $80 per month
- CSAA: $81 per month
- Mercury: $81 per month
- Progressive: $82 per month
- First American: $87 per month
- Geico: $88 per month
- Esurance: $97 per month
6 Tips for How to Get Cheap Car Insurance in California
1. Compare quotes from both national and regional insurers
Although ripe drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car policy rates can save older drivers hundreds of dollars a year.
Comparing quotes is the easiest manner to find out who has brassy car indemnity in California. Just preceptor ’ thyroxine forget to include local policy companies in your research for bum car policy. In California, regional insurers like Esurance, Auto Club of Southern California Insurance Group, and Wawanesa might have lower rates than national companies like Geico, State Farm, and Progressive, angstrom well as comparable customer satisfaction ratings .
2. Know what affects insurance rates in California
Everyone knows that your driving habits and
3. Maintain coverage while you shop for cheaper car insurance
You’ll see higher rates if you let your insurance lapse, even
4. Choose the right amount of coverage
You need
5. Search for discounts
Top car insurance companies in California have a variety of discounts, so almost anyone can find ways to save. You may be able to get a car insurance
6. Stay in less expensive zip codes
Car insurance prices can vary a lot based on zip code in California. On average, drivers in the
Methodology
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
Category | All Profile Characteristics | Good Driver Profile |
Gender | Male, Female | Male |
Age | 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 | 45 |
Marital Status | Single, Married | Single |
Teenage Driver Included on Policy | No, Yes | No |
Driving Record | Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident | Clean |
Miles Driven Per Year | 7,500 Miles, 15,000 Miles, 20,000 Miles | 15,000 Miles |
Coverage Level | Minimum, Standard, Full | Minimum |
Discounts | None, Multi-Policy, Homeowner, Student | None |
Credit Level | Poor, Good | Good |
Filings | None, SR22, FR44 | None |
Car | Sedan, Minivan, SUV, Coupe, Truck | Sedan |
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident, and $5,000 in property damage liability, as required by California’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged California insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of cheap car indemnity companies in California is based on data from the California DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest cable car policy companies for California drivers in a collection of key categories. For each profile, WalletHub compared quotes among top California car insurance companies by averaging premiums from 52 travel rapidly codes that represent at least 20 % of California ‘s population. Military-specific companies like USAA were lone considered for the military-specific class, due to their eligibility restrictions. In some cases, they may placid be the best choice overall for eligible drivers.In the mesa below, you can see all of the visibility characteristics that were used in WalletHub ’ sulfur analysis, in addition to the specific subset of characteristics that make up our effective Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above board : Where driver profiles are not specified, WalletHub averaged California indemnity quotes across 40 unlike driver profiles, using the above variables. Quote data is from Quadrant Information Services and is spokesperson lone. individual rates will be different. Everyone knows that your driving habits and claims history affect how much you pay for car policy. But in California, companies can besides consider your driving experience, marital status, and zip up code when setting premiums. The car you drive, your annual mileage, and even some factors beyond your control all impact the price of insurance.You ’ ll see higher rates if you let your insurance lapse, even if you don ’ thyroxine own a car. California drivers who don ’ triiodothyronine maintain continuous coverage pay an average of 6 % more than those with five or more years of policy history.You need liability indemnity to pay for the other driver ’ s damages if you ’ re at fault in an accident in California. collision and comprehensive examination coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based insurance might be a better fit than a standard policy for low-mileage drivers. Going with a higher deductible or lower coverage limits costs less, besides. Don ’ deoxythymidine monophosphate stint on the coverage you need, but do make inform choices. That way, you won ’ t end up paying for more car insurance than you need.Top car insurance companies in California have a assortment of discounts, so about anyone can find ways to save. You may be able to get a car policy dismiss if you ’ re a student, veteran, good driver, homeowner, will to go paperless, and more.Car policy prices can vary a lot based on nothing code in California. On average, drivers in the most expensive parts of California spend about $ 3,000 more per year on car indemnity than those living in the least expensive areas .