Cheap Car Insurance in California
It is mandatory to get car insurance in California for drivers to drive legally in the state. Different companies in California provide car insurance at different rates. Car insurance in California may be around 20-25% more expensive than other states in the USA. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in California:
|Name of the Company||Average annual car insurance premiums|
Cheap car insurance in California for good drivers
Car insurance companies may charge high car insurance premiums from drivers in California with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in California provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in California by maintaining a good driving record. Car insurance companies in California may provide 5-10% discounts on car insurance policies to those drivers who have a clean driving record.
- Drivers with no traffic ticket may save $765 on car insurance premiums in California.
- Drivers may save $1418 on car insurance premiums if they have an accident-free record in California.
- By maintaining a good credit history you may save $0-5 on car insurance premiums in California.
Cheap car insurance for inexperienced drivers in California
Most auto insurance providers may charge high auto insurance premiums in California from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers. Auto insurance premiums in California vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in California. According to the data gathered by MyMoneyMyQuotes team, Allstate, Progressive, or GEICO are the affordable car insurance companies for young drivers in California.
|Age||Average annual auto insurance premiums|
Average auto insurance premiums in California by Marital Status
In California, married drivers may save $82 on car insurance policy. Most car insurance companies in California charge higher car insurance premiums from single drivers than married drivers.
|Marital Status||Average annual car insurance premiums|
Affordable auto insurance in California for high-risk drivers
Car insurance companies in California charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers having no violations in driving records in California can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in California may get discounts on car insurance policies.
Average car insurance premiums by credit score in California
Car insurance companies in California consider the credit score of the driver to decide the car insurance policy cost. Car insurance providers in California provide car insurance policies at cheaper rates to those drivers who have a good credit record than those who have bad credit records because drivers with good credit scores are less likely to file claims.
Best car insurance companies in California
Some companies in California charge lower car insurance premiums than others. To get the best auto insurance policy in California you should check the reputation and services of the insurance companies because finding affordable car insurance policy is not just enough. You can find the best auto insurance company in California by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in California:
- 21st Century
- California Capital
- Liberty Mutual
- State Farm
What auto insurance coverage is mandatory to purchase for drivers in California?
The average annual cost to get the minimum required coverage in California may be around $652. The minimum required coverage for drivers in California to drive legally in the state is:
|Coverage type||Coverage limit|
|Bodily injury coverage per person||$15000|
|Bodily injury per accident||$30000|
|Property damage per accident||$5000|
The state minimum auto insurance requirements in California
The state minimum auto insurance coverage requirement in California is liability coverage. Liability coverage helps to pay for injury and lost wages that insured drivers caused to another driver or their passengers as well as damage to the other driver’s vehicle in case of an accident.
- $15000 bodily injury coverage per person is required in California.
- $30000 bodily injury coverage per accident is required in California.
- $5000 property damage coverage per accident is required in California.
Other types of optional coverages in California are:
- Roadside Assistance
- Uninsured Motorist Bodily Injury
- Loan/Lease Payoff
- Medical and Funeral Services
- Rental Car Reimbursement
- Uninsured Motorist Property Damage
Fine for driving without car insurance in California
If anyone caught driving without a car insurance policy in California then police may charge a fine.
Car insurance prices by cities in California
|City||Average annual insurance premiums|