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Minimum Requirements For Car Insurance In California, Common Coverage, Cost Savers, & CA’s Low Cost Insurance Program Eligibility Requirements

With the population of California gradually increasing and the state of California driver’s drive more than any other state is a good idea to get sufficient coverage for your vehicle.

State Minimum Requirements for California

CoverageCalifornia Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$15,000 / $30,000$100,000 / $300,000
Property Damage$5,000$15,000
Personal Injury ProtectionOptional$25,000 / $50,000
Uninsured / Underinsured Motorist BILOptional$50,000 / $100,000
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$500 deductible

The minimum liability requirements are 15/30/5.

These numbers represent the minimum amounts, in thousands, of bodily injury liability and property damage liability each driver must maintain.

Bodily Injury Liability:

The numbers, (15 & 30) represent the minimum bodily injury liability insurance for motorists. Bodily injury liability pays for the doctor’s costs of the passengers in the other automobile; $15,000 for a single person with up to $30,000 if there is a more than one individual injured.

Property Damage Liability:

Property damage liability insurance pays for damage to buildings, traffic signs or the other party’s vehicle.

The minimum amount in the state of California is $5,000 which is represented by the number (5).

Cheapest insurance companies for 25 year old driver in California

Cheapest Auto Insurance Providers

Cheapest companies for 45 year old driver in California

RankCalifornia Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
1Nationwide$1,209$1,008$810
2Century National$1,256$1,078$814
3Progressive$1,267$1,123$819
4USAA$1,389$1,149$867
5GEICO$1,399$1,167$898
6Allstate$1,411$1,189$934
7State Farm$1,578$1,199$939
8Travelers$1,589$1,234$987
921st Century$1,698$1,256$1,008
10Farmers$1,734$1,276$1,023
11Safeco$1,843$1,378$1,087
12Grange$1,879$1,389$1,089
13Unitrin$1,909$1,398$1,091
14Hartford$1,998$1,439$1,078
15Kemper Specialty$2,134$1,589$1,090
16MetLife $2,145$1,689$1,149
17Liberty Mutual$2,167$1,765$1,276
18Kemper Specialty$2,278$1,893$1,345

Cheapest companies for 55 year old driver in California

Best Discount Options in California

Although car insurance in the state of California is higher than average there are discounts available in the state, such as good driver discounts, student driver, and driver safety discounts.

Best auto insurance discounts to save in California

In the state of California if you have driven for three years with no traffic violations you can get more than twenty percent off your insurance premium.

Showing insurance discounts when combined to save.

If you are student residing in California you can get over twenty-five percent off your insurance premium if you have good grades. If you have traffic violations or are over the age of fifty-five you can get thirty percent lower rates for taking a driver safety course.

Affordable Auto Insurance Program

California has a cheap car insurance program for drivers who are not able to afford your typical insurance plan which is popular in the cities of Corona, Salinas, and Escondido.

California Automobile Insurance Program Requirements

Income Eligibility requirements for low cost Automobile Insurance Program Requirements

There is certain criteria to be excepted into the program, so if you cannot find a policy which fits within your budget then you may want to look into that available program.

Insurance Resources & Department of Motor Vehicles

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
5999 Slauson Ave, Commerce, CA 90040
(323) 278-5000
100 S Main St, Los Angeles, CA 90012
(213) 897-3656
4375 Derrick Dr, San Diego, CA 92117
(800) 777-0133
WebsiteWebsiteWebsite

Quote Comparison Process for New & Experienced Drivers

After entering their zip and then responding to a few general questions about their driving history, Autoinsuresavings will search the internet for minimal cost California insurance quotes from providers in your area.

Median insurance cost for 25 year old driver.

The process takes less than a couple of minutes you get all the information you need to compare quotes and if you need to talk to an agent you can do that too.

Median insurance cost for 45 year old driver in California.

One of the primary reasons Autoinsuresavings collaborates with top insurance providers, such as Travelers, E-surance, and Countrywide, is to be sure you are getting the same amount of cover for your automobile and less cost. The goal is to save you time and money.

Median insurance cost for 55 year old driver in California.

With our advance comparison quote tool you are able to find the lowest rates in your area without the hassle of calling every single insurance company to find the the best rate.

Once you have filled in your zip code and compare three or more quotes be sure to find the perfect policy to save hundreds or even thousands of dollars over the next few years.

Best Auto Insurance Providers by Rating

RankInsurance CompanyRating out of 5Index
1Garrison Prop & Cas Insurance Company4.20.00
2Essentia Insurance Company4.10.00
3California Automobile Insurance Company4.20.00
4GEICO Ind Co4.80.09
5Allied Prop & Cas Insurance Company4.60.24
6Wawanesa Gen Insurance Company4.20.29
7USAA Insurance Company4.90.30
8Progressive Direct Insurance Company4.80.30
9United Service Automobile 4.90.36
10Progressive Choice Insurance Company4.60.39
11Foremost Insurance Company Grand Rapids Mi4.20.40
12Amco Insurance Company4.10.43
13California Cas Ind Exch3.90.53
14Interins Exch Of The Automobile Club3.70.55
15Mercury Insurance Company4.40.67
16Government Employees Insurance Company4.80.69
17State Farm Mut Auto Insurance Company4.60.70
18State Farm Mut Auto Insurance Company4.60.81
19CSAA Ins Exch4.60.88
20Allstate Insurance Company4.60.90
21Progressive West Insurance Company4.70.95
22Amica Mutual Insurance Company 4.50.99
23Safeco Insurance Company Of Amer4.11.12
24IDS Prop Cas Insurance Company4.61.12
25Financial Ind Company4.61.12
26Infinity Insurance Company4.01.23
27Loya Cas Insurance Company3.81.24
28California Capital Insurance Company3.71.28
29National Gen Insurance Company3.81.29
30Explorer Insurance Company3.61.45
31Coast Natl Insurance Company3.41.56
32Hartford Underwriters Insurance Company4.41.59
3321St Century Insurance Company 4.71.98
34Metropolitan Drt Prop & Cas Insurance Company4.42.21
35Nationwide Insurance Company Of Amer4.43.21

If you would like to find a directory of local agents please use this California directory to help you find agents in your area.

Local California Agents and Average Rate by City

CityAverage RateCityAverage RateCityAverage Rate
Agoura Hills$1,653Kerman$2,500Nevada City$1,541
Alameda$1,723King City$1,659Newark$1,509
Alamo$1,787La Mesa$1,786Norco$1,498
American Canyon$1,542La Mirada$2,121Oakdale$1,421
Anaheim$1,678La Palma$1,767Oakland$1,965
Angels Camp$1,631La Quinta$1,876Oceanside$2,130
Antioch$2,008La Verne$1,932Ojai$2,138
Apple Valley$2,098Lafayette$2,006Ontario$1,876
Arvin$1,752Lake Elsinore$1,769Oroville$2,487
Atascadero$2,123Lake Forest$2,012Oxnard$1,983
Atwater$1,458Lakeport$1,678Pacific Grove$2,376
Bakersfield$1,743Lakewood$2,017Pacifica$1,544
Rialto$1,789Sausalito$2,097El Cajon$2,367
Richmond$1,811Seaside$1,599El Centro$2,333
Riverbank$2,234Sierra Madre$2,174Emeryville$1,876
Riverside$1,549Signal Hill$1,915Encinitas$2,198
Rocklin$2,009Simi Valley$1,919Escalon$1,759
Rolling Hills$1,743Soledad$2,396Esparto$2,311
Roseville$1,751Solvang$1,753Eureka$1,532
Rosemead$2,321Sonoma$1,599Exeter$2,003
San Anselmo$1,543South Pasadena$2,327Fillmore$1,987
San Bernardino$1,769South San Francisco$2,031Ferndale$2,187
San Bruno$2,127St. Helena$1,943Folsom$1,599
San Carlos$2,007Stanton$1,603Fontana$1,510

Los Angeles

Lowest Los Angeles auto insurance providers.

The lowest insurance rates in Los Angeles were found at Progressive, Century National and Nationwide. The average cost for insurance in LA is $2,300 per year for a 30 year old male and over $2,500 per year for a 25 year old male. If you go with quotes from the cheapest companies in LA, then rates are about 23% cheaper than the average.

Los Angeles is home to producing 1/3 of the world’s oil in 1923.  The “city of angels” has hosted the Summer Olympic Games twice, in 1932 and 1984; plus is a contender for the 2024 Games. If LA was considered its own economy, it would be bigger than Saudi Arabia, Switzerland, and Sweden’s.

RankLos Angeles Auto Insurance CompanyAverage Annual Rate
1Nationwide$1,537
2Century National$1,599
3Progressive$1,634
4USAA$1,645
5GEICO$1,668
6Allstate$1,798
7State Farm$1,824
8Travelers$1,993

San Jose

Lowest San Jose auto insurance providers.

In San Jose, the best companies to lower your insurance rates are Century National, Nationwide, and Progressive. The average premium from these three insurers was $1,354 which is about 31% cheaper than the overall average in San Jose.

The average cost for a 25 year old driver is $1,943 and for a 45 year old driver is $1,303 per year.

San Jose is the third largest city in California. The average monthly rent is $1,850, but is considered one of the “least stressed” cities in the state. Home to many nature lovers to engage in hiking and camping, the city enjoys over 300 days of sunshine per year.

RankSan Jose Auto Insurance CompanyAverage Annual Rate
2Century National$1,332
1Nationwide$1,339
3Progressive$1,434
4USAA$1,487
5GEICO$1,489
6Allstate$1,501
7State Farm$1,557
8Travelers$1,621

San Diego

Lowest San Diego auto insurance providers.

In San Diego cheaper rates can be found at GEICO, Nationwide, Century National, and Progressive. These five company’s average rates is over $1,400.

For a 25 year old driver the rates are higher than $2,000 per year. A 55 year old driver enjoys rates on average of $900. The chart above and table below compared the lowest auto insurance providers in San Diego. compared to $1,950 city-wide average.

San Diego is known for its year-round beautiful weather and home to some of the finest naval bases in the world. Most locals could agree that half in the city of San Diego is hyper-liberal and the other half is hyper-conservative.

RankSan Diego Auto Insurance CompanyAverage Annual Rate
1Century National$1,272
2Progressive$1,313
3Nationwide$1,378
4USAA$1,423
5GEICO$1,499
6Allstate$1,568
7State Farm$1,559
8Travelers$1,634

San Francisco

Lowest San Francisco auto insurance providers.

Affordable car insurance rates in San Francisco begin with Century National, GEICO, and Progressive. The average rate for a 25 year old driver is $2,132.

If you pick one of the best five in our list then your auto insurance savings are more than 30 percent. A 45 year old driver average rates in San Francisco are $1,356. With the any of the top five you could save 10 to 20 percent on your annual premium.

San Francisco is the most expensive city to live in California. The city is also the headquarters of Levi Strauss & Co., Gap Inc., Williams Sonoma, Twitter, Uber and Craigslist.

A local Japanese resident invented the fortune cookie.

Lastly, during the 1930’s era depression not one bank failed.

RankSan Francisco Auto Insurance CompanyAverage Annual Rate
1Century National$1,212
2Progressive$1,244
3Nationwide$1,245
4USAA$1,249
5GEICO$1,258
6State Farm$1,379
7Allstate$1,387
8Travelers$1,487

Fresno

Cheapest Fresno auto insurance providers.

The lowest car insurance rates in Fresno are found at GEICO, Nationwide, Century National and Allstate. The average price for a 25 year old driver was $1467 and for a 40 year old driver it was $1,094.

If you select from the top five in our study you would be able to save nearly 30% on your yearly premium.

Fresno is located halfway between San Francisco and Los Angeles. One of the most popular attractions is the Tower District which is included on the National List of Historic Places.

Fresno is one of the most prosperous cities in the nation and is home to the raisin when a worker accidentally left grapes on the vine which dried.

RankFresno Auto Insurance CompanyAverage Annual Rate
1Progressive$1,003
2Century National$1,009
3Nationwide$1,113
4USAA$1,117
5GEICO$1,148
6State Farm$1,179
7Allstate$1,265
8Travelers$1,411

Long Beach

Cheapest Long Beach auto insurance providers.

Long Beach’s cheapest auto insurance providers are Nationwide, Century National, Progressive and GEICO. The average insurance rate for a 45 year old driver is $1,523 and for a 25 year old is $1,1912.

If you choose any of our top five picks then you would be able to save more than 15% on your monthly auto premium.

Long Beach is the second largest city in the Los Angeles metro area.

Unknown to most, the city of Long Beach has an underground pedestrian tunnel (Jergins Tunnel) which was in use from the 1920’s to 1960’s. Movies and television shows frequently shoot in Long Beach, with the local sites filling in for locations across the world.

RankLong Beach Auto Insurance CompanyAverage Annual Rate
1Nationwide$1,119
2Progressive$1,156
3Century National$1,238
4USAA$1,376
5GEICO$1,438
6State Farm$1,511
7Allstate$1,516
8Travelers$1,529

Did you know about California?

  • Compared to all countries California would be the 7th largest economy in the world.
Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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