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Cheapest Auto Insurance in California & Minimum Coverage Plus Strategies to Maximize your Savings

The amount of uninsured drivers is increasing year by year in the state of California.

Also, there is a plethora of drivers and the likelihood of an automobile accident can rise significantly in such conditions.

Therefore it is a good idea to get sufficient coverage for your vehicle in the event of an unforeseen accident.

California affordable premiums by price for 25 y/o drivers.

Below I am going to outline the minimum requirements to drive legal in California, the cheapest insurers in the state and city, plus strategies to help you save a little more on your auto premium.

If you need to jump to a specific section of the article go ahead and use the table of contents to the right. 

Minimum Auto Insurance Requirements in California

CoverageCalifornia Minimum Liability CoverageRecommended 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 medial 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.

California cheapest policy prices for 30 y/o drivers.

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).

Who has the Cheapest Car Insurance in California?

Below are the cheapest carriers for drivers from 25 to 55 years of age.

I queried for quotes for 18 insurers to find the overall least expensive based on an average per driver with no driving violations, good credit, and not married.

In California, the top carriers pretty much offer the lowest premium. There is one local carrier, Century National, which offered the 2nd least expensive quotes for drivers.

The three lowest are Nationwide, Century National, and Progressive, in that order. This is based on factors which stayed constant when I queried for quotes.

Your best option is to get quotes from any of the carriers listed then compare quotes.

You have to take into consideration discounts which may be offered too. Insurers may offer a discount while others may not.

In the end, if you want to get the cheapest rate your best option is to maintain a clean driving record.

California CompanyAverage Annual Rate 25 Y/O Driver30 Y/O Driver35 Y/O Driver45 Y/O Driver55 Y/O Driver
Nationwide$1,833$1,612$1,209$1,008$810
Century National$1,843$1,654$1,256$1,078$814
Progressive$1,876$1,670$1,267$1,123$819
USAA$1,955$1,703$1,389$1,149$867
GEICO$1,987$1,743$1,399$1,167$898
Allstate$2,021$1,765$1,411$1,189$934
State Farm$2,033$1,789$1,578$1,199$939
Travelers$2,044$1,811$1,589$1,234$987
21st Century$2,056$1,812$1,698$1,256$1,008
Farmers$2,087$1,832$1,734$1,276$1,023
Safeco$2,190$1,996$1,843$1,378$1,087
Grange$2,343$2,120$1,879$1,389$1,089
Unitrin$2,435$2,200$1,909$1,398$1,091
Hartford$2,521$2,265$1,998$1,439$1,078
Kemper Specialty$2,653$2,432$2,134$1,589$1,090
MetLife $2,764$2,497$2,145$1,689$1,149
Liberty Mutual$2,890$2,538$2,167$1,765$1,276
Kemper Specialty$2,953$2,604$2,278$1,893$1,345

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.

If you are student residing in California you can get over twenty-five percent off your 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 for Low Income Families

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

Income Eligibility requirements for low cost Automobile Insurance Program Requirements

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

Best Insurers by Rating, Rate Change over 18 Months, and Complaints

Outlined in the table below are the best carriers by rate change, written premiums, and consumer rating.

Of course, the insurers with the most amount of written premiums will have more complaints. The more customers the more complaints any business is going to have.

The number of complaints is usually based on poor claims performance by a customer. The numbers in the table shouldn’t be alarming.

However, you can use online customer reviews to help you make choices. I am not going into much detail about that here since you are looking for the cheapest rate at the end of the day.

The rate change over an 18 month period is normal for most insurers. One thing I noticed is the amount is slightly higher for smaller more local companies. You may want to consider that when shopping.

If you get a traffic violation your rate change will be significantly higher.

The consumer ratings are based on JD Power & Associates, AM Best, and other reputable online sources to get an average.

You can use customers past experience when you shop for a premium. However, the important factor is to understand what you are covered for and what the carrier will pay out when you file a claim if need be.

The insurers listed below have good financial strength and would be able to pay out if a claim is filed. 

CompanyPremiumsRate Change > 18 Months# of ComplaintsRating out of 5
State Farm$3,655,463+3.4%1334.6
Farmers$3,051,681+3.5%1284.6
Allstate$2,204,330+3.3%2654.4
GEICO$2,091,720+3.4%2074.4
California Automobile Company$2,042,123+3.6%1274.2
Mercury$2,035,971+3.8%1874.4
CSAA Exchange$1,691,525+4.0%984.6
USAA$1,127,170+3.3%1114.6
Progressive$1,017,900+3.6%1874.3
Liberty Mutual$846,362+3.6%874.2
Garrison Property & Casualty$657,948+3.9%784.2
Foremost$611,337+4.2%554.2
Hartford$611,554+4.1%854.4
California Casualty$608,386+4.2%1013.9
21st Century$589,557+4.4%434.7
National General$549,492+4.5%233.8
Allied$547,482+4.6%424.0
Infinity$411,583+4.2%284.0
Amco$341,213+4.4%194.1
Nationwide$336,476+4.2%234.4
Amica $333,429+4.2%224.5
Essentia Company$326,447+4.8%434.1
Safeco$321,276+4.7%544.1
Loya $289,387+4.9%263.8
Interins Automobile Club$237,845+5.0%233.7
Explorer$231,212+5.2%353.6
Wawanesa$211,453+3.6%114.3
California Capital$128,473+5.1%123.7
Metropolitan$89,376+5.2%133.9
IDS Company$88,327+5.5%73.8
Coast Nattional$77,984+5.7%43.4
Financial Ind Company$53,765+5.8%53.4

Average Price of Premium by City

Below are more than 70 cities detailing the average premium. If you have a price which is significantly higher than those below you may want to inquire about it to your carrier.

Look into your driving history, lapse in your premium, or possibly your credit scores. Each insurers determines your rate differently based on risk factors.

Location is another factor as you can see in the table below. One of the reasons a premium is much higher in one location of the state than the other.

The cost of the premium can be as low as $1,438 to as high as $2,200 per year depending on the zip code you reside in.

If you would like more details based on cities please read further below.

CityAverage RateCityAverage RateCityAverage Rate
Albany$1,653Jackson$2,500Napa$1,541
Alameda$1,723Kerman$1,659Newark$1,509
Aliso Viejo$1,787La Canada$1,786Norwalk$1,498
Altadena$1,542La Crescenta$2,121Oak Park$1,421
Antelope$1,678La Palma$1,767Oak View$1,965
Angels Camp$1,631La Puente$1,876Oakhurst$2,130
Antioch$2,008La Verne$1,932Oakley$2,138
Apple Valley$2,098Lancaster$2,006Orange Cove$1,876
Arcadia$1,752Larkspur$1,769Orangevale$2,487
Atascadero$2,123Lawndale$2,012Orinda$1,983
Atwater$1,458Live Oak$1,678Oxnard$2,376
Banning$1,743Livermore$2,017Pacifica$1,544
Rialto$1,789Sausalito$2,097Pacoima$2,367
Ripon$1,811Sherman Oaks$1,599El Centro$2,333
Rodeo$2,234Simi Valley$2,174Emeryville$1,876
Rubidoux$1,549Sonoma$1,915Encino$2,198
Red Bluff$2,009Studio City$1,919Escalon$1,759
Redlands$1,743Summerland$2,396Escondido$2,311
Redding$1,751Sunnyvale$1,753Eureka$1,532
Porterville$2,321Sylmar$1,599Fairfax$2,003
Salinas$1,543Tarzana$2,327Fillmore$1,987
San Andreas$1,769Temecula$2,031Fontana$2,187
San Bruno$2,127Tiburon$1,943Foster City$1,599
San Carlos$2,007Turlock$1,603Glendora$1,510

Los Angeles

The lowest insurance rates in Los Angeles were found with 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 Los Angeles, rates are about 23% cheaper than average.

Los Angeles Company30 Y/O Driver45 Y/O Driver
Nationwide$1,833$1,432
Century National$1,856$1,533
Progressive$1,934$1,634
USAA$2,053$1,645
GEICO$2,142$1,668
Allstate$2,230$1,798
State Farm$2,287$1,824
Travelers$2,345$1,993

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.

San Jose

San Jose cheapest premium options for all drivers.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 Company30 Y/O Driver 45 Y/O Driver
Century National$1,332$1,008
Nationwide$1,339$1,032
Progressive$1,434$1,044
USAA$1,487$1,087
GEICO$1,489$1,165
Allstate$1,501$1,176
State Farm$1,557$1,231
Grange$1,621$1,244

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.

San Diego

San Diego low-cost premium choices by price for all drivers.In San Diego cheaper rates can be found at GEICO, Nationwide, Century National, and Progressive. These four 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 providers in San Diego. Compared to $1,950 city-wide average.

San Diego Company30 Y/O Driver45 Y/O Driver
Century National$1,272$895
Progressive$1,313$934
Nationwide$1,378$987
USAA$1,423$1,045
GEICO$1,499$1,086
Allstate$1,568$1,143
State Farm$1,559$1,168
Travelers$1,634$1,228

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.

San Francisco

San Francisco lowest premiums by price for drivers.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 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 Company30 Y/O Driver45 Y/O Driver
Century National$1,534$1,212
Progressive$1,588$1,244
Nationwide$1,652$1,245
USAA$1,670$1,249
GEICO$1,732$1,258
State Farm$1,848$1,379
Allstate$1,902$1,387
Grange$1,956$1,487

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.

Fresno

Fresno affordable premium choices by price for drivers.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 Company30 Y/O Driver45 Y/O Driver
Progressive$1,411$1,003
Century National$1,432$1,009
Nationwide$1,455$1,113
USAA$1,532$1,117
GEICO$1,567$1,148
State Farm$1,687$1,179
Allstate$1,745$1,265
Grange$1,855$1,411

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.

Long Beach

Long Beach affordable policy options for all drivers.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 $1,912.

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 Company30 Y/O Driver45 Y/O Driver
Nationwide$1,487$1,119
Progressive$1,560$1,156
Century National$1,600$1,238
USAA$1,668$1,376
GEICO$1,723$1,438
State Farm$1,844$1,511
Allstate$1,890$1,516
Grange$1,945$1,529

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.

Sacramento

Sacramento, CA lowest premium prices for drivers.

Drivers in Sacrament can find the lowest quotes with Nationwide, Progressive, and Century National. I queried each at $1,345, $1,355, and $1,421 respectfully for a 30 year old. Which is approximately 30% lower than the citywide average premium.

The “mean” quote is over $2,000 per year making any of the insurers illustrated worth getting quotes from.

A 45 year old can find the cheapest quotes with Nationwide and Progressive. I queried each at $896 and $925 respectfully for full coverage. Which is 32% lower than the average policy holder in Sacramento.

With quotes clustering between $896 and $1,012 it would make perfect sense to get quotes from all the carriers illustrated to find the most savings with optimum coverage.

Sacramento Company30 Y/O Driver45 Y/O Driver
Nationwide$1,345$896
Progressive$1,355$925
Century National$1,421$945
USAA$1,456$980
GEICO$1,563$1,012
Allied$1,580$1,065
Allstate$1,651$1,143
Grange$1,700$1,155

Sacramento is one of the fastest growing big cities in the state. Incorporated as city in 1850 with a few thousand residents. Today, there are nearly 500,000 in the city with nearly 2.5 million in the surrounding area.

The city was named after the Sacramento River and the river was named by Gabriel Moraga who named it Santísimo Sacramento or Blessed Sacrament after the Holy EucharistThe city is known for its diversity and Historic Old Sacramento which many claim is the most “hip” city in the state.

The city’s claim to fame is farm-to-fork dining meaning right from the farm to the dining table for consumers. No additives or anything added to the food.

Oakland

Oakland low-cost policy choices for 30 to 45 y/o drivers.

Drivers in Oakland can get the cheapest premiums with Century National, Nationwide and Progressive. I queried each at $1,355, $1,400, and $1,456 per year for a 30 year old driver. Which is 33% lower than the average policyholder in Oakland.

Allied and Grange are viable contenders for quotes too with prices at $1,523 and $1,587. Which is 28% and 31% lower than the “mean” rate in Oakland.

For a 45 year old I found the quotes clustering between $876 and $1,005 per year for full coverage. The least expensive are Century National and Nationwide with rates at $876 and $890.

Both are 34% lower than the median rate for drivers with a similar age and profile.

Oakland Company30 Y/O Driver45 Y/O Driver
Century National$1,355$876
Nationwide$1,400$890
Progressive$1,456$932
Allied$1,523$986
Grange$1,587$1,005
Allstate$1,602$1,064
GEICO$1,660$1,132

Oakland is the 8th largest city in California. Originally settled in 1820 and named after the huge oak trees found in the area, Oakland grew dramatically during the gold rush of 1849 and was incorporated as a city in 1854 with approximately 1,000 residents.

Today, there are over 400,000 people and is the busiest port in the Bay Area. Oakland is a major center of commerce and industry, home to Fortune 500 companies such as Clorox and Golden West Financial.

Along with San Francisco, San Jose and several smaller communities, Oakland is part of the Bay Area known for its thriving economy and world-class cultural attractions.

Bakersfield

Bakersfield least expensive premiums by price for drivers.

If you aren’t getting the least expensive premium in Bakersfield your probably looking in the wrong place. Start by getting quotes from Century National, Nationwide, and GEICO. I queried each at $1,412, $1,457, and $1,500 respectfully for a 30 year old driver. Which is 24% lower than the “mean” quote in the city of Bakersfield.

Progressive and Allied are 20% lower that the average premium with quotes at $1,524, and $1,576 per year.

A 45 year old can find the lowest quotes with Century National and Nationwide. Each queried at $847 and $912 per year for full coverage. Which is 27% to 29% lower than the average rate for a driver of similar age and profile.

With quotes clustering between $847 and $1,075 there is over $200 variance making it smart to compare quotes to find the best savings.

Bakersfield Company30 Y/O Driver45 Y/O Driver
Nationwide$1,412$847
Century National$1,457$912
GEICO$1,500$945
Progressive$1,524$988
Allied$1,576$1,075
Grange$1,610$1,155
Allstate$1,654$1,180

Bakersfield is the 9th largest city in the state with approximately 365,000 residents. Spanish missionaries were the first Europeans to visit the area in the later part of the eighteenth century. The discovery of gold on the Kern River in 1851 attracted the first wave of pioneers.

Bakersfield was re-incorporated in 1898 and soon thereafter the city began to experience rapid population growth.

Top industries include natural gas and other energy extraction, aerospace, mining, petroleum refining, manufacturing, distribution, food processing, and corporate regional offices. Kern county is one of the highest producing agricultural lands in the country.

Anaheim

Anaheim, CA cheapest policy quotes for all drivers.

Drivers in Anaheim can get the cheapest quotes with GEICO, Nationwide, and Century National. I queried each at $1,455, $1,489, and $1,554 per year for a 30 year old driver. Which is 28% to 32% lower than the average premium in Anaheim.

Quotes clustered between $1,455 and $1,645 so all carriers illustrated are 16% lower than the “mean” rate.

For a 45 year old the least expensive quotes can found with GEICO, Nationwide, and Century National.

Each queried at $1,043, $1,065, and $1,100. All three insurers are 25% lower than the average policyholders premium price.

State Farm and Grange are worthy contenders since they are over 18% cheaper than the median quote in Anaheim.

Anaheim Company30 Y/O Driver45 Y/O Driver
GEICO$1,455$1,043
Nationwide$1,489$1,065
Century National$1,554$1,100
State Farm$1,600$1,143
Grange$1,645$1,187
Progressive$1,752$1,245
Allied$1,800$1,328

Anaheim was founded by 50 German families in 1857 then incorporated as city in 1876. At the time there were less than 1,000 residents. Today, there is nearly 340,000 people which call Anaheim home.

The city is known for its theme parks, specifically Disneyland, which opened in 1955.

Another notable attraction is the Anaheim Convention Center which is the largest on the west coast and attracts thousands of visitors each year.

Santa Ana

Santa Ana, CA lowest premium quotes for all drivers.

Residents of Santa Ana can get the cheapest auto insurance by getting quotes from GEICO, Nationwide, and State Farm.

I queried each at $1,321, $1,400, and $1,456 per year for a 30 year old driver. Which is 26% to 29% lower than the average premium in Santa Ana.

Century National and Grange are below the “mean” quote with prices at $1,506 and $1,575 respectfully.

A 45 year old can get the best prices with GEICO and Nationwide. Each queried at $940 and $980 respectfully for full coverage. Which is 30% to 32% lower than the median rate citywide.

Quotes clustered between $940 and $1,125 making a $185 variance among all the carriers illustrated.

It would be smart for an older driver to get quotes from all insurers to find the best deal plus optimum coverage on your next premium.

Santa Ana Company30 Y/O Driver45 Y/O Driver
GEICO$1,321$940
Nationwide$1,400$980
State Farm$1,456$1,043
Century National$1,506$1,087
Grange$1,575$1,125
Progressive$1,600$1,180
Allied$1,643$1,206

One of the most densely populated areas in California is Santa Ana with 330,000 residents. Don Gaspár de Portolá, a Spanish expedition party leader, discovered a picturesque valley and river in Southern California, which he christened Santa Ana, in honor of Saint Anne, on July 26, 1769.

Eventually Santa Ana was founded by a Kentuckian in 1869, then incorporated as a city in 1886.

Today, the city of Santa Ana is culturally diverse with a hip flair to it.

Notable attractions include, Bowers Museum of Cultural Arts, Discovery Science Center, Santa Ana Zoo, Historic Downtown Santa Ana, and the Santa Ana Artists’ Village.

Riverside

Riverside, CA cheapest premium quotes by price.

Auto premiums in Riverside are slightly lower than other big cities in California. If you would like a more affordable premium then get quotes from Century National, Nationwide, and GEICO.

I queried each at $1,237, $1,300, and $1,355 per year for a 30 year old driver. Which is 29% to 33% lower than the citywide average quote. Any of the carriers illustrated in the chart are more than 22% lower than the median rate.

A 45 year old can get the best rates with Century National and Nationwide. Each queried at $899 and $924 per year for full coverage. Which is 30% lower than the median quote in Riverside for a driver with the same profile and age.

There is a variance of $132 among the cheapest insurers making any of them worth getting quotes from.

Riverside Company30 Y/O Driver45 Y/O Driver
Century National$1,237$899
Nationwide$1,300$924
GEICO$1,355$944
Grange$1,426$987
State Farm$1,488$1,031
Progressive$1,564$1,090
Allied$1,600$1,155

Riverside was founded in the early 1870’s with a couple of thousand residents. Today, there are over 300,000 people in Riverside. 

This area is known as “The Inland Empire” because it was once separated from Los Angeles by a large rural expanse. It is the birthplace of the California citrus industry and the Mission Inn which is the largest Mission Style Revival building in the U.S. 

The economy in Riverside includes such industries as wood, plastics, metal fabrication, electrical instruments and food packaging.

Notable attractions include, the Riverside Metropolitan Museum, La Sierra University Museum of Natural History, UCR California Museum of Photography, and the Heritage House

Stockton

Stockton, CA lowest premiums by price for all drivers.

Drivers in Stockton can get the lowest quotes if they start with Century National, Nationwide, and Grange. I queried each at $1,344, $1,378, $1,450 per year for a 30 year old driver. Which is 29% to 33% lower than the median rate in Stockton.

In fact, all carriers illustrated are more than 17% lower than the average premium.

A 45 year old can get the lowest quotes with Century National, Nationwide, and Grange. I queried each at $912, $925, and $990 per year for full coverage.

Which is 29% to 32% lower than the average premium for a driver of similar age and profile.

With quotes clustering between $912 and $1,125 there is a variance of $213 or more than 20%. Which would make sense to be compare quotes to find the best deal on your next premium.

Stockton Company30 Y/O Driver45 Y/O Driver
Century National$1,344$912
Nationwide$1,378$925
Grange$1,450$990
GEICO$1,508$1,076
Allied$1,544$1,125
State Farm$1,580$1,186
Progressive$1,648$1,190

Stockton is the first community to be named without Spanish or Native American heritage. Stockton began to see an influx of residents during the California Gold Rush around 1848.

By 1850 it was incorporated as city with approximately 3,000 residents. Today, Stockton is the 13th largest city in the state with more than 300,000 residents.

Stockton is known for the 3rd biggest bankruptcy in the United States after the financial crisis of 2008. By 2015, Stockton had successfully exited bankruptcy.

Residents of San Francisco are moving to the Stockton for a lower cost alternative of living expenses which is another item to help Stockton recover from the financial woes.   

There are a wide range of industries within the city including electronics, aerospace, food, education, distribution, automotive and building products for prospective job seekers making a good recovery from the financial crisis and bankruptcy.

Irvine

Irvine, CA low-cost premium price for all drivers.

Drivers in Irvine can enjoy quotes which are lower than drivers which reside in Los Angeles.

However, to get the cheapest quotes start with Nationwide, Century National, and Allied. I queried each at $1,400, $1,450, and $1,504 per year for a 30 year old driver. Which is 23% to 27% lower than the median rate in Irvine.

Grange and GEICO are 18% to 21% lower with quotes at $1,543 and $1,598 respectfully.

A 45 year old can get inexpensive quotes with Nationwide and Century National. Each queried at $955 and $987 which is 26% to 29% lower than the median premium.

Quotes clustered from $955 to $1,132 which is nearly a $200 variance or more than 20% making it important for drivers in Irvine to compare quotes to find the best deal while maintaining optimum coverage.

Irvine Company30 Y/O Driver45 Y/O Driver
Nationwide$1,400$955
Century National$1,450$987
Allied$1,504$1,063
Grange$1,543$1,085
GEICO$1,598$1,132
State Farm$1,632$1,190
Progressive$1,687$1,236

Irvine, California was once settle by Gabrielino Indians about 8,000 years ago. Then the Spanish Government granted the land to the Mexicans and Spaniards.

During the 1800’s the land was purchased by James Irvine. Of whom the city of Irvine was named after. Developing of the city didn’t start until the 1960’s and by 1971 Irvine was incorporated as a city.

Irvine is known for its temperate climate, about 65 degrees in the winter and 85 in the summer with over 300 days of sunshine.

It is also home to world renowned universities and colleges such as USC, Pepperdine, and Concordia University. CNN, Businessweek, and Wallethub has listed Irvine as one of the best places to live in the United States.

Fremont

Fremont low-cost premium choices by price for all drivers.

Auto insurance premiums in Fremont are quite low compared to nearby San Francisco.

If you are in the market for a cheaper rate then start with Century National, Nationwide, and State Farm. I queried each at $1,287, $1,300, and $1,354 per year for a 30 year old driver.

Which is 29% to 33% lower than the average policyholder in Fremont. Allied and Grange are fairly cheap too with quotes at $1,386 and $1,476 respectfully.

A 45 year old can get the best prices with Century National, Nationwide, and State Farm. Each queried at $877, $903, and $943 per year for full coverage. Which is 30% to 33% below the average premium rate in Fremont.

Quotes clustered from $877 to $1,009 making all the insurers illustrated worth getting quotes from since all are at least 20% below than median rate.

Allied and Grange with quotes at $987 and $1,009 respectfully. Or 23% to 26% below the “mean” rate in Fremont.

Freemont Company30 Y/O Driver45 Y/O Driver
Century National$1,287$877
Nationwide$1,300$903
State Farm$1,354$943
Allied$1,386$987
Grange$1,476$1,009
GEICO$1,500$1,085
Progressive$1,550$1,132

Beginning as Mission San José in 1797, Fremont was an agricultural community in the 1800’s. It grew rapidly during the Gold Rush of the mid 1800’s, and again in the mid 1900’s when General Motors built an automobile plant.

Its most recent growth occurred in the 1980’s and 1990’s as it rode the high technology wave like the companies from Mountain View, California. Located in Silicon Valley, the standard of living is quite high and owning a home for middle class residents can be difficult at times.

Quality of life in Fremont is good since many of the residents have good sustainable jobs. With beautiful views and clean air many people enjoy calling Fremont home.

Notable attractions include, the Museum of Local History, Niles Essanay Silent Film Museum, Mission San Jose and Museum, and the Hiking Trails in Mission Peak.

San Bernardino

San Bernardino, CA cheapest premiums by price for drivers.

Drivers in San Bernardino can get the cheapest quotes with Century National, Nationwide, and State Farm. Each queried at $1,300, $1,324, and $1,389 per year for a 30 year old driver. Which is 29% to 34% lower than the median rate in San Bernardino.

In fact, getting quotes from all carriers illustrated would be smart since all, including Allied and Grange, are at least 21% lower than the average premium.

A 45 year old can get low quotes with Century National and Nationwide. I queried each at $890 and $922 per year for full coverage. Which is 30% lower than the average policyholder’s rate within the city. Allied and Grange are competitive too for a 45 year old with quotes at $1,011 and $1,030 per year.

It would be smart to compare all insurers illustrated for any older driver to find the most of savings per year.

San Bernardino Company30 Y/O Driver45 Y/O Driver
Century National$1,300$890
Nationwide$1,324$922
State Farm$1,389$965
Allied$1,457$1,011
Grange$1,500$1,030
GEICO$1,524$1,078
Progressive$1,651$1,108

San Bernardino is a bedroom community of the Inland Empire which is part of greater Los Angeles. Founded in 1869 with less than 1,000 residents, today, San Bernardino has over 200,000 residents and is the 17th largest city in the state of California. 

San Bernardino attracts families because of its low cost of living relative to cities closer to the ocean. Businesses which directly serve the population are sure to grow as a result of the population increase.

The city is known for filing the largest bankruptcy in the history of the United States in 2015, surpassing Detroit.

Notable attractions in San Bernardino include ASU Fox Theatre, the McDonald’s Museum, which is located on the original site of the world’s first McDonald’s, California Theatre, the San Bernardino Mountains, and San Manuel Amphitheater, the largest outdoor amphitheater in the United States.

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
Final Thoughts

After entering their zip and then responding to a few general questions about their driving history, AutoInsureSavings will low cost quotes from providers in your area.

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.

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.

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.

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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