Best Auto Insurance Rates in California

On average, your neighbors pay $70 a month.

Where to Get the Cheapest Car Insurance in California (2021)

Minimum-coverage car insurance in California costs an average of $71 per month, according to our research. Full-coverage car insurance in California costs an average of $166 per month.

Looking for even cheaper auto insurance rates as a California driver? You’re in luck. Based on our data, you can get a liability-only policy from CSAA for an average of $49 per month. And you can get a full-coverage policy from Allstate for an average of $138 per month.

You’re most likely to get rates like these if you’re similar to the sample driver we used to survey California’s top insurance companies. If you’re older or younger, if you drive a different kind of vehicle or if you don’t have a clean driving record, you might pay more or less than the average rates highlighted above.

Keep reading to get an idea of what car insurance in California may cost you. In this article, you’ll learn about:

Who offers the cheapest full-coverage car insurance in California?

Allstate is the best company for cheap full-coverage car insurance in California, with an average monthly premium of $138, our research shows.

Progressive and GEICO also offer cheap full-coverage car insurance to California drivers. Both offered our sample driver an average monthly premium of $143.

These amounts are well below the California state average of $166 per month for full-coverage policies, which usually include liability, comprehensive and collision coverages.

Cheapest full-coverage car insurance companies in California
Company Average monthly premium
Allstate $138
Progressive $143
GEICO $143
CSAA $144
Mercury $159
California average $166
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Where can I get cheap liability insurance in California?

The AAA-affiliated CSAA is the best company for cheap liability car insurance in California, with an average monthly premium of $49, according to our data.

Two additional sources of cheap liability car insurance in California are Progressive and Mercury. Progressive offered our sample driver an average monthly premium of $56, while Mercury offered the same driver an average monthly premium of $57.

Cheapest minimum-coverage car insurance companies in California
Company Average monthly premium
CSAA $49
Progressive $56
Mercury $57
GEICO $58
Kemper $66
California average $71
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Given the above, make sure you get a quote from CSAA if you want the best low-cost auto insurance in California.

Keep in mind that what you pay for car insurance depends on several factors, including where you buy your policy, your age, and your vehicle's make and model. To get your best rate, shop around and compare quotes from multiple companies.

How much is car insurance in California by age group?

Young drivers pay higher rates for auto insurance in California than older drivers who have more experience on the road. Our analysis found that an average 19-year-old driver in California pays $129 per month for a state-minimum car insurance policy, for example. An average 30-year-old California driver pays $71 per month for a minimum-coverage policy.

 
 

The difference is similarly dramatic when you compare what drivers of different age groups pay for full-coverage car insurance in California. While an average 30-year-old driver spends $166 per month on a full-coverage policy, an average 16-year-old driver spends nearly three times that amount, or $463 per month.

Where can young drivers buy cheap insurance in California?

If you’re a teen driver looking for cheap car insurance in California, you should get quotes from Mercury, GEICO and Allstate.

Mercury offers teen drivers in California an average monthly premium of $136 for minimum-coverage car insurance, our data shows. Allstate offers the state’s teen drivers an average monthly premium of $307 for full-coverage car insurance.

CSAA offers young California drivers in their twenties an average monthly premium of $69 for a minimum-coverage policy, while Allstate offers drivers in the same age group an average monthly premium of $176 for a full-coverage policy.

Which company offers the best and cheapest car insurance in California for drivers with a DUI?

California drivers looking for cheap auto insurance with a DUI on their records should get quotes from Mercury and Farmers while shopping for a policy.

Mercury offers California drivers with a DUI on their records full-coverage car insurance for an average monthly rate of $264, according to our survey. This is just $105 per month more than what Mercury charges to drivers with clean records.

Cheapest car insurance companies in California after a DUI
Company Monthly rate before DUI Monthly rate after DUI Difference
Mercury $159 $264 $105
Farmers $190 $335 $145
Progressive $143 $343 $200
GEICO $143 367 $224
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Farmers offers California drivers with a DUI on their records full-coverage policies for an average monthly rate of $335, which is $145 per month more than what it charges if you have a clean driving record.

Which company offers the best and cheapest car insurance in California for drivers after an accident?

CSAA is the best company in California for cheap car insurance with an accident on your record. It offered our sample driver an average monthly premium of $182 for a full-coverage policy. This is only $38 per month more than what CSAA charges customers with clean driving records.

Cheapest car insurance companies in California after an accident
Company Monthly rate before accident Monthly rate after accident Difference
CSAA $144 $182 $38
Interinsurance Exchange of the Auto Club $167 $252 $85
GEICO $143 $263 $120
Mercury $159 $276 $117
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

The AAA-affiliated Interinsurance Exchange of the Auto Club is another good option for California drivers with an accident on their records. It offers drivers with accidents an average monthly premium of $252 for full-coverage car insurance.

Which company offers the best and cheapest car insurance in California for drivers with speeding tickets?

If you’re a California driver with a speeding ticket on your record, get quotes from CSAA and Allstate while shopping around for auto insurance.

CSAA offers California drivers with tickets full-coverage auto insurance for an average monthly premium of $182, based on our data. Allstate offers drivers in that same situation $199 per month, on average.

Cheapest car insurance companies in California for speeding tickets
Company Monthly rate before ticket Monthly rate after ticket Difference
CSAA $144 $182 $38
Allstate $138 $199 $61
Mercury $159 $211 $52
GEICO $143 $226 $83
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Where can I get low-income car insurance in California?

If you can’t afford the minimum car insurance required by California law, you may be able to get coverage from California’s Low Cost Automobile (CLCA) insurance program.

The CLCA program lets you purchase an auto insurance policy with 10/20/3 liability coverage limits, which are less than the state-required minimums. That means the policy includes:

Californians who qualify for this program can buy car insurance coverage for as little as $244 per year. For an additional $39 to $104 per year, you can add the following coverage types and amounts to your CLCA policy:

  • $1,000 of medical payments coverage per person
  • $10,000 of uninsured motorist bodily injury coverage per person
  • $20,000 of uninsured motorist bodily injury coverage per accident

To qualify for CLCA coverage, you must:

  • Be at least 16 years old.
  • Have a valid California driver’s license.
  • Have a good driving record.
  • Own a vehicle worth $25,000 or less.
  • Meet certain income eligibility guidelines.

What are the best car insurance companies in California?

California drivers who want cheap car insurance should start by getting quotes from CSAA and Allstate. If you call the Golden State home and you value service and satisfaction as well as low rates, get a quote from GEICO, too.

GEICO got a high score in J.D. Power’s 2020 U.S. Auto Insurance Satisfaction Study, where the regional average is 821 and higher scores are better than lower ones. It also earned a low score in NAIC’s 2020 Complaint Index. That means customers filed fewer complaints against GEICO with state regulators than would be expected in the market.

Company J.D. Power 2020 U.S. Auto Insurance Satisfaction Study NAIC 2020 Complaint Index
Allstate 819 2.08
CSAA 810 1.18
GEICO 828 0.79
Mercury 787 1.34
Progressive 823 2.26
Note: J.D. Power assesses overall customer satisfaction on a 1,000-point scale. The NAIC Complaint Index is the rate at which customers file complaints to their state regulators. The median Complaint Index is 1.0.

What are the car insurance requirements in California?

If you own and drive a vehicle in California, you need to have at least a minimum amount of liability car insurance coverage or otherwise prove financial responsibility. California drivers who choose to meet this requirement with car insurance must buy policies with 15/30/5 coverage limits. That means a policy needs at least:

  • $15,000 of bodily injury liability coverage per person
  • $30,000 of bodily injury liability coverage per accident
  • $5,000 of property damage liability coverage

Although a car insurance policy with 15/30/5 liability coverage limits lets you legally drive in California, it doesn’t protect you if an accident or some other event damages or destroys your vehicle. For that, you need collision and comprehensive car insurance coverage.

Methodology

QuoteWizard conducted a comprehensive study of car insurance rates in California using Quadrant Information Services. Unless otherwise stated, the quotes analyzed were for a single, 30-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives it an average of 13,500 miles a year.

When discussing full-coverage car insurance policies in this article, the driver has the following coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 collision and comprehensive deductible

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