Cheap Car Insurance in California

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
Esurance $1170
Century National $1338
GEICO $1363
Progressive $1572
California Capital $1626
Mercury $1648
21st Century  $1670
USAA $1672
Grange $1694
Allstate $1698
Farmers $1725
Auto Club $1752
Unitrin $1775
Metropolitan $1832
Liberty Mutual $1839
CSAA $1899
State Farm $1985
Nationwide $2120
Allied $2185
Bristol West $2272

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 
16 $7190
17 $6788
18 $6190
19 $4486
20s $2640
30s $1822
40s $1770
50s $1684
60s $1684
70s $1937

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
Single $1873
Married $1796
Divorced $1874
Widowed $1820

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:

  1. 21st Century
  2. Allied
  3. Allstate
  4. California Capital
  5. Esurance
  6. Farmers
  7. GEICO
  8. Liberty Mutual
  9. MetLife
  10. Nationwide
  11. Progressive
  12. State Farm
  13. Travelers
  14. USAA
  15. Wawanesa

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.

  1. $15000 bodily injury coverage per person is required in California.
  2. $30000 bodily injury coverage per accident is required in California.
  3. $5000 property damage coverage per accident is required in California.

Other types of optional coverages in California are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Uninsured Motorist Bodily Injury
  5. Loan/Lease Payoff
  6. Medical and Funeral Services
  7. Rental Car Reimbursement
  8. 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

Car insurance premiums in California may vary from city to city. In some cities of California, car insurance prices are high compared to others.

City Average annual insurance premiums
Glendale $2760
Los Angeles $2637
San Francisco $2262
Oakland $2248
San Bernardino $2130
Sacramento $2126
Long Beach $2056
Santa Clarita $2030
Garden Grove $2009
Fontana $2003
Stockton $1983
Santa Ana $1959
Riverside $1950
Anaheim $1948
Moreno Valley $1937
Modesto $1885
Fresno $1880
Irvine $1872
San Jose $1867
Huntington Beach $1865
Bakersfield $1843
Oxnard $1820
San Diego $1777
Fremont $1757
Chula Vista $1710

If you are looking for a car insurance deal in California, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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