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California Cheapest Car Insurance & Best Coverage Options

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Updated May 6th, 2021

Checked by
Jaime Arias
Licensed Agent
Reviewed by
Jennifer Benson
Licensed Agent
Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.

AutoInsureSavings.org licensed agents did a comparison study of the cheapest California car insurance companies and found GEICO ($451 per year) provides the cheapest rate for minimum coverage.

GEICO ($1,388 per year) provides the cheapest insurance coverage for California drivers who prefer full coverage auto insurance policies. 

Affordable California Car Insurance Rates

The best way drivers in California can save more on car insurance premiums is by comparing quotes by zip code from multiple insurers with the lowest rates from our insurance study.

Cheapest Car Insurance in California - Key Takeaways
AutoInsureSavings.orgThe cheapest California car insurance options are:

Cheapest for minimum coverage: GEICO
Cheapest for full coverage: GEICO
Cheapest after an at-fault accident: Mercury
Cheapest after a speeding ticket: Mercury
Cheapest after a DUI: Mercury
Cheapest for married drivers: GEICO
Cheapest for young drivers: State Farm
For younger drivers with a speeding violation: Mercury
For younger drivers with an at-fault accident: GEICO

Check out this useful guide on California car insurance to find the right coverage and get more details on the average rates from leading insurance providers.

Cheapest car insurance in California with GEICO, Mercury Insurance, and Progressive compared with average rates.

Cheapest Car Insurance in California for Minimum Coverage

Our agents found that GEICO Insurance has the most affordable annual averages for drivers in California, with a $451 per year quote for minimum coverage for our sample 30-year-old.

The average California rate for minimum liability insurance policies is $629 per year, and GEICO’s rate is $178 cheaper or 29% less expensive.

InsurerAverage annual rate
GEICO$451
USAA$455
CSAA$468
Progressive$512
Mercury$543
21st Century$589
State Farm$627
Liberty Mutual $699
Allstate$769
Farmers$843

*USAA is for qualified military members, their spouses, and direct family members. Your auto insurance rates may be different based on the driver’s profile.

Drivers in California who only want a minimum coverage policy can drive legally for less by switching to one of the cheapest car insurance companies illustrated above. 

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Cheapest Full Coverage Car Insurance in California

GEICO offers the cheapest insurance option for those with good driving records in California with a quote at $1,388 per year or $115 per month for affordable full coverage rates. GEICO’s rate is 28% less expensive than California’s average rates of $1,910 per year. 

InsurerAnnual costMonthly cost
GEICO$1,388$115
Mercury$1,427$118
Progressive$1,533$127
21st Century$1,617$134
Esurance$1,748$145
CSAA$1,822$151
State Farm$1,977$164
Liberty Mutual$2,016$168
Allstate$2,028$169
Farmers$2,175$181
California average$1,910$159

The average cost of full coverage auto insurance in California is $159 per month or $1,910 annually. Full coverage insurance, which includes comprehensive and collision coverage, can cost as much as three times more than the average car insurance premiums for a minimum liability policy.

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AutoInsureSavings.org licensed agents suggest drivers in California who own a vehicle under 10 years old or worth more than $3,000 should consider a full coverage insurance policy to guarantee they will receive the benefits they need if an auto accident occurs that leaves their car totaled.

Cheapest Insurance With a Speeding Ticket in California

California drivers can find the cheapest car insurance with a speeding ticket on their driving record with Mercury, which has average annual premium costs of $1,818 per year. We found Mercury’s rate is 28% cheaper than California’s mean speeding violation rate of $2,517 per year.

InsurerAnnual costMonthly cost
Mercury$1,818$151
GEICO$2,170$180
CSAA$2,253$187
California average$2,517$209

According to the Insurance Information Institute (III.org), drivers in California can expect their car insurance rates to increase by an average of 25% after receiving a traffic violation. The amount your average rates will rise depends on how fast you were going and how many speeding tickets you already have on your driving record in California. 

Cheapest Car Insurance in California With a Car Accident

Drivers in California with an at-fault accident on their driving records can still save on their car insurance rates with Mercury Insurance, which offers a $179 monthly rate or 39% cheaper than California’s average rates.

We suggest comparing auto insurance quotes with GEICO to get the best price, which provided us a $211 monthly rate for drivers with an at-fault accident. 

InsurerAnnual costMonthly cost
Mercury$2,154$179
GEICO$2,543$211
State Farm$2,971$247
California average$3,497$291

Just one at-fault accident on your record in California can significantly increase your car insurance premium. Our research found that the difference between average auto insurance premiums for a driver with a good driving record than a driver with one accident is $1,579 per year.

Cheapest Insurance With a DUI in California

According to our rate analysis, Mercury Insurance offers the cheapest auto insurance rates for California drivers with a DUI with a $2,517 per year rate or $209 per month.

Mercury’s rate is 42% less expensive than California’s average insurance premium for drivers with a DUI in their driving history.  

InsurerAnnual costMonthly cost
Mercury$2,517$209
GEICO$3,139$261
Progressive$3,461$288
California average$4,326$360

A DUI is a severe offense that can cause numerous consequences for a California car insurance policyholder. Along with their car insurance rates going up by 56%, the driver could also have a temporary driver’s license suspension and an option to have an ignition interlock device (IID) installed or participate in an alcohol treatment program.

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The California Department of Insurance recommends taking a defensive driving course to lower car insurance costs.  

Cheapest Car Insurance by Marital Status in California

Married drivers in California can find the best and cheap auto insurance with GEICO, which provided our agents a $106 monthly rate for full coverage car insurance. GEICO’s rate is 26% lower than average rates for our sample 30-year-old drivers that are hitched. 

The next cheapest insurance options are State Farm and Auto Club for drivers in California who are married if you shop around. Both auto insurers are more than 10% lower than average rates. 

InsurerAnnual costMonthly cost
GEICO$1,281$106
State Farm$1,319$109
Auto Club$1,544$129
California average$1,714$142

Cheapest Car Insurance Coverage in California for Young Drivers

During our comparison shopping study, young California drivers or college students can get the cheapest auto insurance coverage with State Farm, which provided us a $3,413 per year rate for full coverage insurance.

Young or teen drivers who need minimum coverage should compare quotes with State Farm, Mercury, and GEICO.

State Farm offers the cheapest minimum liability coverage rate at $1,129 per year for adolescent drivers, while GEICO is $1,246 per year, and Mercury’s car insurance rate is $1,265 annually.

All three car insurers are 41% cheaper than California’s state minimum liability rate for younger drivers.

InsurerFull coverageMinimum coverage
State Farm$3,413$1,129
Mercury$3,525$1,265
GEICO$3,746$1,246
Auto Club$4,189$1,470
CSAA$4,471$1,319
Progressive$4,912$1,365
Allstate$4,919$1,859
Farmers$5,154$2,142

Young or teen drivers needing coverage in California will pay more for their car insurance premium regardless of what company they choose.

According to the National Highway Traffic Safety Administration (NHTSA), inexperienced drivers are at a higher risk than older and more experienced drivers.

Our agents recommend teen drivers to go on their parent’s policy (with collision and comprehensive coverage) or have an adult family member on the auto insurance policy to save money. 

Cheapest Car Insurance for Young Drivers with Speeding Tickets

Young California drivers with traffic tickets should look to Mercury Insurance to get the best auto insurance rates. The average car insurance cost from Mercury is $3,980 per year for full coverage auto insurance.

Mercury’s speeding ticket rate is 40% cheaper than the $6,548 average rates in California for younger drivers. 

InsurerAnnual costMonthly cost
Mercury$3,980$331
GEICO$4,031$335
State Farm$4,730$394
California average$6,548$545

Cheapest Car Insurance for Young Drivers in California with a Car Accident

The cheapest auto insurance coverage for younger drivers with an accident in California is GEICO, which provided our agents a $363 monthly rate for full coverage or $239 per month less than California’s average rates at $602 per month.

The next cheapest option is Mercury, with a $370 monthly car insurance rate or 39% less expensive than California’s average auto insurance quotes.  

Car Insurance CarrierAnnual costMonthly cost
GEICO$4,356$363
Mercury$4,451$370
State Farm$5,277$439
California average$7,234$602

Best Car Insurance Companies in California

AutoInsureSavings.org licensed agents found the GEICO, State Farm, and Progressive insurance companies offer some of the most affordable rates with excellent customer service and good financial strength to various California drivers.

ValuePenguin surveyed with similar insurance company results:

Car Insurance Carrier% respondents satisfied with recent claim% respondents rated customer service as excellent
Progressive75%35%
State Farm74%43%
Allstate72%47%
Farmers Insurance70%38%
GEICO64%42%
CSAA61%46%
Mercury59%49%
AAA44%32%

If you are in the market for a new car insurance policy and are only concerned about the price, these three auto insurance companies in California offer some of the state’s best auto insurance rates.

We also used data from the National Association of Insurance Commissioners (NAIC), J.D. Power’s claims satisfaction survey, and each car insurance company’s financial strength ratings from A.M. Best.

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NAIC complaint ratio looks at the number of complaints of the best car insurance company based on market share.

The lower the complaint ratio, the better. It is an indication of the quality of the car insurance carrier’s customer service and claims satisfaction.

Car Insurance CarrierNAIC Complaint IndexJ.D. Power claims satisfaction scoreAM Best Financial Strength Rating
CSAA1.5810A+
Mercury1.5787A
GEICO1.8828A++
State Farm2.1836A++
Auto Club2.3848A-
Farmers2.6801A
Allstate3.0819A+
Progressive3.7823A+

In this instance, the car insurance carrier who rated the best based on a low amount of complaints is CSAA Insurance Group (AAA) with 1.5, which is higher than the national average of 1.00. Auto Club of Southern California Insurance Group has the best J.D. Power claims satisfaction score at 848 out of 1,000. 

When you have more information about what each car insurance provider has to provide you with, it will be easier for you to narrow down your choices and make an informed decision on the best auto insurance company in California is the best option for you.

Average Car Insurance Costs by City in California

Your zip code in California is a significant factor in your average auto insurance rates, along with driver profiles, including driving record, marital status, type of motor vehicle, and coverage levels.

Typically, densely populated areas, high crime areas, or poor road conditions tend to have expensive auto insurance rates.

AutoInsureSavings.org car insurance experts did a study on the most populous California cities.

Cheapest Auto Insurance in Los Angeles, CA

Los Angeles drivers can find the cheapest auto insurance with GEICO Insurance who provided our agents a $1,723 per year rate for our 30-year-old driver. GEICO’s quote is 35% less expensive than Los Angeles’ average rates. 

Los Angeles CompanyAverage Premium
GEICO$1,723
Auto Club$1,856
Mercury$1,970
Los Angeles average$2,614

Cheapest Auto Insurance in San Diego, CA

Drivers in San Diego, California, can find the best coverage rates with CSAA Insurance Group, which provided us a quote at $1,614 per year or $134 per month for a full coverage insurance policy. CSAA’s rate is 38% cheaper than San Diego’s yearly insurance rate of $2,578 per year.

San Diego CompanyAverage Premium
CSAA$1,614
GEICO$1,751
Progressive$1,926
San Diego average$2,578

Cheapest Auto Insurance in San Jose, CA

Our licensed agents found Mercury Insurance is the cheapest car insurance company in San Jose, CA. They provided us a $1,477 annual rate for full coverage, 43% less expensive than San Jose’s yearly average rate of $2,560.

San Jose CompanyAverage Premium
Mercury$1,477
GEICO$1,738
State Farm$1,925
San Jose average$2,560

Cheapest Auto Insurance in San Francisco, CA

Our research found the cheapest auto insurance in San Francisco is with GEICO, Auto Club, and CSAA Insurance Group. GEICO is the most affordable, with a $144 monthly rate or $1,732 per year. At the same time, Auto Club offers a $1,959 quote, and CSAA offers a $2,043 per year rate for $100,000 in liability coverage with comprehensive and collision coverage $500 deductibles. 

San Francisco CompanyAverage Premium
GEICO$1,732
Auto Club of Southern California Insurance Group$1,959
CSAA$2,043
San Francisco average$2,832

Cheapest Auto Insurance in Fresno, CA

People in Fresno can find cheap auto coverage with Progressive, which provided our agents a low annual insurance rate of $1,498 per year for a 30-year-old with full coverage. The next most affordable option is GEICO, with an annual $1,536 per year or 36% cheaper than Fresno average rates.

Fresno CompanyAverage Premium
Progressive$1,498
GEICO$1,536
CSAA$1,631
Fresno average$2,365

Cheapest Auto Insurance in Sacramento, CA

Sacramento drivers can find the best full coverage insurance policy with GEICO, which provided our agents a $1,573 per year rate or $131 per month for $100,000 in liability insurance with collision and comprehensive insurance $500 deductibles. GEICO’s insurance quote is 37% cheaper than average rates for 30-year-old drivers in Sacramento, California. 

Sacramento CompanyAverage Premium
GEICO$1,573
Mercury Insurance$1,624
State Farm$1,898
Sacramento average$2,470

Cheapest Car Insurance in Long Beach, CA

Drivers in Long Beach can find the cheapest insurance coverage with CSAA Insurance Group, which provided AutoInsureSavings agents a $1,429 per year quote for full coverage. CSAA’s car insurance quote is 41% cheaper than Long Beach’s average rates. 

Long Beach CompanyAverage Premium
CSAA$1,429
Auto Club$1,577
State Farm$1,740
Long Beach average$2,417

Cheapest Car Insurance in Oakland, CA

Oakland cheap auto insurance is found with Progressive, which offered our licensed agents a $1,631 per year rate for a full coverage insurance policy with $500 deductibles. Progressive’s rate is 36% cheaper than Oakland’s average rates for 30-year-old drivers. 

Oakland CompanyAverage Premium
Progressive$1,631
Auto Club$1,687
GEICO$1,963
Oakland average$2,533

Average Insurance Cost for All Cities in California

CityAnnual Premium CostCityAnnual Premium Cost
Los Angeles$2,614El Cerrito$1,843
San Diego$2,578Sanger$1,818
San Jose$2,560North Tustin$1,890
San Francisco$2,832Selma$1,943
Fresno$2,365San Fernando$1,911
Sacramento$2,470Riverbank$2,137
Long Beach$2,417Ashland$1,953
Oakland$2,533Seal Beach$1,998
Bakersfield$2,287Loma Linda$1,871
Anaheim$2,316Dinuba$2,090
Santa Ana$2,417Calabasas$2,032
Riverside$2,288Barstow$2,076
Stockton$2,370Cudahy$1,843
Irvine$2,511Valinda$2,004
Chula Vista$2,477Coronado$1,890
Fremont$2,319Rosemont$1,818
San Bernardino$2,227Winter Gardens$2,265
Santa Clarita$2,420West Puente Valley$1,843
Modesto$2,411Granite Bay$1,975
Fontana$2,175Laguna Beach$2,117
Oxnard$2,213Oakdale$1,818
Moreno Valley$2,363West Rancho Dominguez$2,044
Huntington Beach$2,395Willowbrook$1,871
Glendale$1,890Millbrae$1,953
Santa Rosa$2,100Lathrop$1,999
Ontario$2,096Corcoran$1,818
Rancho Cucamonga$2,183Port Hueneme$2,041
Oceanside$2,307Paradise$2,117
Garden Grove$2,317West Carson$1,843
Elk Grove$2,282Patterson$1,975
Corona$2,093Marina$1,890
Hayward$2,142South Lake Tahoe$2,274
Lancaster$2,242Lakeside$2,041
Palmdale$1,890Bloomington$1,799
Salinas$2,276Lennox$1,911
Sunnyvale$2,181Rancho San Diego$2,513
Pomona$2,019Yucca Valley$1,871
Escondido$2,277Duarte$2,181
Torrance$2,111Ramona$2,230
Pasadena$2,399Arvin$2,041
Orange$2,263Rosamond$1,890
Fullerton$1,890South El Monte$2,242
Roseville$1,999Agoura Hills$2,082
Visalia$2,284Lomita$2,230
Concord$2,059Prunedale$1,843
Thousand Oaks$2,183American Canyon$1,897
Santa Clara$2,197Linda$2,017
Simi Valley$2,226East Hemet$1,799
Victorville$2,209Mead Valley$1,953
Berkeley$1,890Dixon$1,975
Vallejo$2,218South San Jose Hills$2,041
East Los Angeles$2,599Albany$2,017
El Monte$2,418Montrose$1,871
Fairfield$2,194Orinda$1,911
Carlsbad$2,058Blythe$2,082
Temecula$1,953Hermosa Beach$1,799
Costa Mesa$2,077Shafter$2,158
Murrieta$2,249Castaic$2,041
Downey$1,953Oroville$1,843
Antioch$2,237Pinole$2,102
Ventura$2,181Stevenson Ranch$2,179
Richmond$1,890Cameron Park$2,230
Inglewood$2,197Chowchilla$2,082
Clovis$2,102Rancho Mirage$1,799
Daly City$2,179Arcata$2,045
West Covina$2,238Arroyo Grande$2,059
Santa Maria$2,017Mountain House$1,911
Jurupa Valley$2,230Woodcrest$1,871
Norwalk$2,102Santa Fe Springs$1,975
San Mateo$2,181Valle Vista$2,158
Burbank$2,230Nipomo$1,799
El Cajon$1,890Moraga$2,017
Rialto$2,242Imperial$2,046
Arden-Arcade$2,188Greenfield city$2,179
Vista$2,172McKinleyville$1,953
Vacaville$2,230Coalinga$2,082
Compton$2,190Live Oak$1,911
Mission Viejo$2,179Rosedale$2,231
San Marcos$2,246Artesia$1,799
South Gate$1,843El Segundo$2,242
Chico$1,953Bostonia$2,230
Hesperia$2,179Los Osos$2,047
Carson$2,242Truckee$2,158
Redding$2,230Rio Linda$1,871
Santa Monica$2,059Stanford$1,799
Santa Barbara$2,511East San Gabriel$2,082
Westminster$2,186Vincent$1,975
Tracy$1,890Discovery Bay$2,230
Menifee$2,059Cherryland$2,181
San Leandro$2,242Laguna Woods$2,242
Livermore$1,911Phelan$2,102
Chino$2,200Ukiah$2,017
Indio$2,158Walnut Park$1,890
Citrus Heights$2,102Parkway$2,179
Hawthorne$2,017East Rancho Dominguez$1,871
Whittier$1,993Ripon$1,953
Redwood City$2,059Fillmore$2,041
Newport Beach$2,132La Palma$1,799
Alhambra$2,242Pacific Grove$1,975
Hemet$2,102Avocado Heights$2,230
Lake Forest$1,843Clearlake$2,158
Merced$2,179Parlier$2,242
Buena Park$2,230Susanville$2,082
Pleasanton$1,890Coto de Caza$2,041
Mountain View city$2,400Alamo$1,843
Chino Hills$1,953Alpine$2,017
Lakewood$1,871McFarland$1,911
Tustin$2,242Kerman$2,158
Milpitas$2,059Lamont$2,179
Manteca$1,799Lemon Hill$1,975
Napa$2,017North Fair Oaks$2,242
Alameda$2,181Hawaiian Gardens$1,953
Folsom$2,047Mill Valley$1,890
Perris$2,242North Auburn$2,230
Bellflower$2,059Red Bluff$2,158
Upland$2,242Salida$2,242
Baldwin Park$2,102Livingston$2,017
San Ramon$2,286Auburn$1,871
Union City$1,953King City$2,082
Rancho Cordova$2,102El Sobrante $1,911
Turlock$2,179Oak Park$1,975
Apple Valley$1,890California City$1,799
Pittsburg$2,017Sun Village$2,041
Redlands$2,242El Sobrante$1,953
Lynwood$2,059Grover Beach$2,181
Walnut Creek$2,158Carpinteria$2,179
Davis$1,843Olivehurst$1,871
Camarillo$2,242Big Bear City$2,102
Yorba Linda$2,281Palos Verdes Estates$1,799
Redondo Beach$2,119Solana Beach$2,041
South San Francisco$2,514Lindsay$2,082
Palo Alto$2,428San Marino$2,230
Yuba City$2,059Lakeland Village$2,242
Lodi$2,102Avenal$2,158
Lake Elsinore$2,242Grass Valley$1,911
Laguna Niguel$2,179Half Moon Bay$2,017
Florence-Graham$2,041Commerce$1,890
San Clemente$1,953Bonita$2,158
Rocklin$1,871Tehachapi$2,186
Madera$1,975Malibu$2,179
Santa Cruz$2,017Muscoy$1,953
Carmichael$2,059San Anselmo$2,211
Tulare$2,230Grand Terrace$2,181
Castro Valley$1,799Marysville$1,911
Pico Rivera$2,155Larkspur$1,843
Encinitas$2,249Delhi$2,041
Montebello$2,242Fortuna$1,871
Eastvale$1,890Home Gardens$2,082
Brentwood$2,242Clayton$2,186
Dublin$2,059Kingsburg$1,799
National City$1,975Camp Pendleton South$2,102
Petaluma$1,953Emeryville$1,890
La Habra$2,038Scotts Valley$2,155
Monterey Park$1,871Healdsburg$2,017
South Whittier$2,179Windsor Hills$1,871
Cupertino$2,017Lake Los Angeles$1,953
Woodland$2,249Diamond Springs$2,244
Gardena$1,843Tamalpais-Homestead Valley$1,799
Porterville$1,890Alum Rock$2,038
La Mesa$2,102Los Alamitos$1,890
San Rafael$1,911Mendota$1,975
Huntington Park$2,242Signal Hill$2,155
Arcadia$2,102Magalia$1,871
Santee$2,059Hillsborough$2,211
Gilroy$2,186Piedmont$1,890
Hanford$2,249Winton$2,179
Diamond Bar$2,082Canyon Lake$1,843
Fountain Valley$1,799Rossmoor$2,186
Novato$2,242Valley Center$1,911
Hacienda Heights$2,155Sonoma$2,219
Highland$2,233Placerville$2,017
Colton$1,863Sierra Madre$2,082
Paramount$2,038Soquel$2,102
Cathedral City$1,890La Riviera$2,059
Rosemead$1,953Farmersville$1,843
Watsonville$2,017Morro Bay$1,799
Yucaipa$2,102Fairview$2,211
West Sacramento$2,418San Diego Country Estates$2,582
Delano$1,975Exeter$1,863
Palm Desert$2,179Oak Hills$2,155
Placentia$2,059Rodeo$1,953
Glendora$2,082Anderson$2,038
Aliso Viejo$2,230East Whittier$1,799
Rowland Heights$1,890Orange Cove$1,975
Cerritos$1,911Shasta Lake$2,186
Azusa$2,242Citrus$2,221
Poway$2,059Capitola$2,017
Cypress$1,843Charter Oak$2,244
La Mirada$2,186Quartz Hill$1,890
Rancho Santa Margarita$1,863Del Aire$2,082
Antelope$2,211Country Club$2,102
Ceres$2,242Garden Acres$1,843
Covina$1,799Fort Irwin$2,155
San Jacinto$2,102Madera Acres$1,863
Palm Springs$1,890Marina del Rey$1,911
North Highlands$1,953Corte Madera$2,179
Florin$2,038Mentone$2,059
Lincoln$2,242West Athens$2,186
San Luis Obispo$1,975Rio del Mar$1,890
Newark$2,017Blackhawk$2,230
Beaumont$2,179Madera Ranchos$1,975
El Dorado Hills$1,843Taft$2,242
Coachella$2,082Golden Hills$1,758
Altadena$2,155Good Hope$2,230
Morgan Hill$1,863Tiburon$2,017
Danville$1,890Rio Vista$2,102
El Centro$2,102Lake Arrowhead$2,038
Lompoc$2,242Waterford$1,843
San Bruno$2,059Calimesa$2,186
Rohnert Park$1,843Cloverdale$1,863
Brea$2,230Crestline$2,155
Bell Gardens$1,911Live Oak city$2,179
Campbell$2,038Earlimart$1,843
Rancho Palos Verdes$2,082Los Altos Hills$2,059
Oakley$1,975August$2,102
La Quinta$2,155Spring Valley Lake$1,758
San Gabriel$2,179Gonzales$1,975
La Puente$2,017Westlake Village$2,038
Calexico$2,186Midway City$2,082
Culver City$1,863Larkfield$2,186
Montclair$2,102Alondra Park$1,890
Pacifica$2,038Montecito$1,911
Los Banos$1,975Pismo Beach$2,155
Hollister$2,211Mammoth Lakes$2,242
Stanton$2,102South San Gabriel$1,758
Martinez$1,843Cherry Valley$2,247
La Presa$2,211Vandenberg Village$2,186
Monrovia$2,059Topanga$1,953
West Hollywood$2,082Templeton$1,863
Wildomar$2,179Interlaken$1,843
Moorpark$1,758Oroville East$2,038
French Valley$2,155Sebastopol$1,975
Claremont$1,890Ione$2,017
Temple City$2,082Boyes Hot Springs$2,102
San Juan Capistrano$2,219Piñon Hills$1,758
Foothill Farms$2,179Corning$2,059
Bell$1,843Joshua Tree$2,211
Manhattan Beach$2,102Fairfax$2,082
Westmont$2,300Plumas Lake$2,242
Pleasant Hill$1,911Yreka$1,843
Orangevale$2,017Ojai$2,186
Oildale$2,040Oceano$1,975
Beverly Hills$2,488Hughson$2,179
Menlo Park$1,843Cotati$2,211
San Dimas$2,155Guadalupe$2,017
Foster City$1,863Calipatria$1,890
Seaside$1,758Camp Pendleton North$2,186
Dana Point$1,953University of California-Davis$2,382
Adelanto$1,975Fort Bragg$1,911
Lawndale$1,890Alta Sierra$1,843
La Verne$2,102Acton$2,039
Paso Robles$2,082Winters$2,186
Fallbrook$2,059Nuevo$2,211
Spring Valley$2,218Atherton$2,240
Laguna Hills$2,017Pollock Pines$1,863
Orcutt$2,219Sausalito$2,242
Banning$1,843Huron$1,905
Fair Oaks$2,186Homeland$2,155
Goleta$2,038Rancho Calaveras$1,758
San Pablo$1,863Kentfield$2,017
Los Gatos$1,911Franklin$2,059
Saratoga$1,975Thermalito$2,234
Burlingame$2,220Ben Lomond$2,082
Los Altos$2,179Lemoore Station$1,843
San Carlos$1,905San Martin$2,102
Atascadero$2,186Thousand Palms$1,953
Santa Paula$2,082Lake Mathews$1,758
Walnut$2,102Loomis$1,975
East Palo Alto$1,953Desert Palms$2,186
Suisun City$2,155Gridley$1,863
Atwater$2,017Bermuda Dunes$1,905
Ridgecrest$2,059Marinwood$1,911
Desert Hot Springs$1,905Crescent City$2,186
Vineyard$1,758Mecca$2,059
Monterey$2,102Mira Monte$2,211
Benicia$1,843Ladera Heights$2,017
Isla Vista$2,232La Habra Heights$2,179
Temescal Valley$1,975South Monrovia Island$1,905
Windsor$1,863Contra Costa Centre$2,038
Maywood$2,186Keyes$2,155
Imperial Beach$2,211Holtville$1,863
Ladera Ranch$2,082Castroville$2,082
Wasco$2,112Aptos$2,186
Belmont$2,017El Rio$1,975
Eureka$2,179East Porterville$1,758
Lemon Grove$2,155Salton City$2,112
Norco$1,905East Foothills$2,082
Los Nietos$1,911Saranap$2,017
Lafayette$1,953East Pasadena$2,038
Twentynine Palms$2,059Eucalyptus Hills$2,201
Lemoore$2,179Fruitridge Pocket$1,843
Brawley$1,953Colusa$1,863
Galt$1,975El Granada$2,179
Bay Point$2,112St. Helena$1,911
Soledad$1,758Pleasure Point$2,153
South Pasadena$2,182Willows$1,908
Hercules$2,038Durham$2,060
Reedley$1,863Lucerne Valley$1,905
San Lorenzo$1,911Greenacres$1,990

Minimum Car Insurance Requirements in California

For vehicle registration, California state laws require all car insurance policies to have bodily injury liability and property damage liability coverage with the liability limits illustrated below. 

Liability insuranceMinimum coverage
Bodily injury liability coverage$15,000 per person / $30,000 per accident
Property damage liability coverage$5,000 per accident

By getting state minimums in California, you can drastically reduce your monthly insurance cost. Our agents recommend full coverage insurance with uninsured motorist coverage for most drivers in California with a clean driving record, including comprehensive and collision coverage.

AutoInsureSavings.org licensed agents recommend older drivers living in expensive zip codes in the Golden State with sizable investments and assets to increase liability limits and purchase an umbrella policy on top of a standard car insurance policy.

High school or college students can opt for an auto insurance premium comparable to California’s minimum state requirements with comprehensive, collision insurance and uninsured motorist coverage. 

Frequently Asked Questions about California Car Insurance

Who has the Cheapest Car Insurance Coverage in California?

GEICO offers the most affordable car insurance rates to various California drivers at $451 per year for minimum coverage. USAA is cheap coverage ($455 per year). However, if you are not eligible for their coverage, your next best options for low-priced car insurance are CSAA ($468 per year) and Progressive ($512 per year).

To find out who offers affordable car insurance in California, you want to make sure to compare rates by getting quotes from top car insurance companies.

How Much is Minimum Coverage Car Insurance in California per Month?

The average cost of state minimum car insurance in California is $629 annually or $52 per month. GEICO’s average rate for minimum coverage is $451 per year or $37 per month. CSAA ($468 per year) and Progressive ($512 per year) are also below the state’s average rates.

How Much Is Full Coverage Car Insurance in California?

The average cost of full coverage auto insurance in California is $159 per month or $1,910 per year. GEICO ($1,388 per year), Mercury Insurance ($1,427 per year), and Progressive ($1,533 per year) offer full coverage insurance at an average rate lower than the state’s average by 20%. 

Full coverage auto insurance costs significantly more than minimum liability coverage, and for that reason, many drivers will choose an auto policy with less coverage to save money. If you have a newer vehicle or concerns about minimum coverage not providing you with enough protection, you should consider full coverage insurance.

How do I Save on Car Insurance in California?

There are several ways you can save money on your car insurance premium costs in California. Initially, it would be best to compare quotes from multiple providers to determine which car insurance carrier in the area offers the lowest rates for you. After that, you should inquire about a money-saving driver discount provided by each car insurance provider you have in mind.

The more car insurance discounts you are eligible for, the more money you can save. Taking time to make sure you have an appropriate coverage level and practicing safe driving habits are two more things you can do that will help you save on your California car insurance rates.

To learn more about the most affordable car insurance options in California, enter your zip code or get expert advice at AutoInsureSavings.org. Our licensed car insurance professionals will be happy to answer any questions you have.

Methodology

AutoInsureSavings.org comparison shopping study used a full-coverage auto policy for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:

Coverage typeStudy limits
Bodily injury liability$50,000 per person / $100,000 per accident
Property damage liability$25,000 per accident
Personal injury protection$10,000
Uninsured / underinsured motorist bodily injury$50,000 per person / $100,000 per accident
Comprehensive and collision coverage$500 deductible

We used rates for drivers with an accident history, credit score, and marital status for other California rate analyses. We used car insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your auto insurance rates may vary when you get quotes.

Sources

– Insurance Information Institute. “Auto Rate Setting.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Car Insurance Companies.”
– California Department of Motor Vehicles. “Car Insurance Requirements.”
– California Department of Insurance. “Auto Insurance Information Guide.”

Jaime Arias

Jaime Arias

Jaime Arias is a licensed insurance agent, co-owner, and editor of AutoInsureSavings.org with a family history in developing insurance businesses. Also, he has a mechanical engineering degree and a master's of business administration (MBA) from Harvard University. Jaime has experience in digital marketing, directing marketing methods online for businesses in the insurance industry.

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