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GEICO offers the lowest average car insurance rates in California for a typical driver, based on QuoteWizard ’ s comprehensive analysis of Golden State car policy rates. GEICO ’ randomness rate of $ 114 a month for minimum-coverage policy is the best in the country, but only slenderly lower than Progressive ‘s rate of $ 118 a calendar month .
Read on for more on finding bum car indemnity in California .
Who offers the cheapest car insurance in California?
With rates averaging $ 114 a month for minimum-coverage indemnity and $ 133 a month for fully coverage, GEICO ’ sulfur rates are cheaper than the other companies in our study .
Progressive is close behind, charging an average of $ 118 a calendar month for minimal coverage, while Allstate ’ south rate averages $ 132 a calendar month for minimum coverage.
A minimum-coverage policy meets the state ’ south minimal indemnity requirements for indebtedness coverage. Statewide, the average rate quoted for a minimum-coverage policy is $1,675 a year, or $140 a month.
| Company | Annual | Monthly |
|---|---|---|
| GEICO | $1,370 | $114 |
| Progressive | $1,419 | $118 |
| Allstate | $1,582 | $132 |
| Average | $1,675 | $140 |
| Mercury | $1,699 | $142 |
| State Farm | $1,712 | $143 |
| Auto Club | $1,715 | $143 |
| CSAA | $1,774 | $148 |
| Farmers | $2,133 | $178 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest full-coverage insurance
GEICO ’ second rate of $ 133 a calendar month for full-coverage car insurance is besides lower than the closely identical monthly rates charged by Progressive, $ 140, and Allstate, $ 141 .
Full-coverage cable car indemnity generally includes collision and comprehensive coverage and higher liability limits than a minimum-coverage policy. If you finance a car, your lender will require you to obtain collision and comprehensive coverage to protect its interest in your vehicle.
The average rate for full-coverage policy in California is $ 158 a calendar month .
| Company | Annual | Monthly |
|---|---|---|
| GEICO | $1,594 | $133 |
| Progressive | $1,682 | $140 |
| Allstate | $1,697 | $141 |
| Average | $1,891 | $158 |
| CSAA | $1,919 | $160 |
| Auto Club | $1,921 | $160 |
| Mercury | $1,972 | $164 |
| State Farm | $2,043 | $170 |
| Farmers | $2,297 | $191 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
In our analysis of minimum- and full-coverage insurance rates, we obtained quotes for a 35-year-old male with a clean drive record in the state ’ s 10 most populated cities .
Since your age, your driving history and address are among the key rat factors indemnity companies use to set your premium, your rates are probably to differ from those shown here .
Each company uses a different recipe to evaluate your specific rate factors, which means you may qualify for a cheaper rate from a company that offers higher average rates to others. You may besides qualify for more discounts with one company than you do with others .
These are among the main reasons why it ’ randomness best to obtain quotes from multiple companies when you shop for policy .
Get cheap car insurance coverage in California
Who offers the cheapest car insurance after a ticket or accident?
Northern California ’ s AAA policy agency offers the bum rates after a ticket or accident, charging $ 202 a calendar month to drivers with either blemish on their records .
AAA ’ s insurance products are available through California State Automobile Association ( CSAA ) in Northern California and the Auto Club in Southern California .
A ticket bumps the average cost of full-coverage policy 48 % to $ 234 a calendar month .
| Company | Annual | Monthly |
|---|---|---|
| CSAA | $2,424 | $202 |
| Allstate | $2,441 | $203 |
| GEICO | $2,510 | $209 |
| Mercury | $2,609 | $217 |
| Average | $2,806 | $234 |
| Auto Club | $2,850 | $238 |
| State Farm | $3,146 | $262 |
| Progressive | $3,221 | $268 |
| Farmers | $3,242 | $270 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
An accident increases the average cost of full-coverage car insurance 72% to $272 a month. CSAA ’ sulfur rate for drivers with a prior accident are well lower than those offered by the other companies in our analysis .
| Company | Annual | Monthly |
|---|---|---|
| CSAA | $2,424 | $202 |
| Auto Club | $2,905 | $242 |
| GEICO | $2,930 | $244 |
| Average | $3,259 | $272 |
| State Farm | $3,266 | $272 |
| Mercury | $3,435 | $286 |
| Progressive | $3,495 | $291 |
| Allstate | $3,565 | $297 |
| Farmers | $4,052 | $338 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Who offers cheap car insurance to drivers with a DUI?
Mercury offers a well cheaper rate to California drivers with a DUI, $ 272 a calendar month, than the other companies in our study. The adjacent good rates are available from Progressive, $ 336 a calendar month, Farmers, $ 338 a calendar month, and GEICO, $ 339 a calendar month .
In California, a DUI can increase your car indemnity rate by more than double. In our analysis, the average monetary value of full-coverage insurance after a DUI is $ 437 a month, a 175 % increase over the rate available to a driver with a clean record .
| Company | Annual | Monthly |
|---|---|---|
| Mercury | $3,263 | $272 |
| Progressive | $4,029 | $336 |
| Farmers | $4,052 | $338 |
| GEICO | $4,066 | $339 |
| Average | $5,239 | $437 |
| Auto Club | $5,881 | $490 |
| Allstate | $6,476 | $540 |
| CSAA | $6,890 | $574 |
| State Farm | $7,253 | $604 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for 18-year-old drivers
State Farm offers the cheapest rates in California to 18-year-olds for both minimum-coverage indemnity, $ 262 a calendar month, and full coverage, $ 316 a calendar month .
GEICO rates on minimum coverage for 18-year-olds, $ 292 a month, is irregular best, while Allstate has the second-lowest rates on full coverage for 18-year olds, $ 342 a calendar month .
As a group, teens are among the most expensive to insure, due to their relatively high accident rates, compared to other age groups. In California, the modal cost of insurance for an 18-year-old is $ 352 a calendar month for minimal coverage and $ 402 a month for full coverage .
If you’re a teen, you can usually save money by remaining on a policy with your parents or guardians until you reach your 20s, when you’ll begin qualifying for more favorable rates.
You may besides be able to qualify for savings while on your kin ’ randomness policy. many indemnity companies offer discounts to good students, students away at school and students who complete an approve safe-driving course .
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $3,143 | $262 |
| GEICO | $3,505 | $292 |
| Allstate | $3,748 | $312 |
| Mercury | $4,102 | $342 |
| Average | $4,222 | $352 |
| Progressive | $4,351 | $363 |
| Auto Club | $4,544 | $379 |
| Farmers | $4,949 | $412 |
| CSAA | $5,435 | $453 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $3,790 | $316 |
| Allstate | $4,108 | $342 |
| GEICO | $4,184 | $349 |
| Mercury | $4,802 | $400 |
| Average | $4,826 | $402 |
| Auto Club | $5,159 | $430 |
| Progressive | $5,276 | $440 |
| Farmers | $5,357 | $446 |
| CSAA | $5,933 | $494 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for seniors
GEICO offers the brassy rates to aged citizen drivers in California, charging an median $ 114 a month for minimum coverage and $ 133 a month for full moon coverage for a 65-year-old. liberal rates are not far behind at $ 118 a month for minimum coverage and $ 140 a calendar month for wide coverage.
Since seniors have higher barge in rates than middle-aged drivers, people tend to see their policy rates tick upwards as they reach retirement age. You can often earn a discount by taking a driver safety class, in person or online, to offset these rate hikes.
In California, the average rates available to 65-year-old drivers are $ 140 a month for minimal coverage and $ 158 a month for wax coverage .
GEICO, Progressive and Allstate offer the best rates to 65-year-olds for minimum- and full-coverage insurance .
| Company | Annual | Monthly |
|---|---|---|
| GEICO | $1,370 | $114 |
| Progressive | $1,419 | $118 |
| Allstate | $1,582 | $132 |
| Average | $1,675 | $140 |
| Mercury | $1,699 | $142 |
| State Farm | $1,712 | $143 |
| Auto Club | $1,715 | $143 |
| CSAA | $1,774 | $148 |
| Farmers | $2,133 | $178 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
| Company | Annual | Monthly |
|---|---|---|
| GEICO | $1,594 | $133 |
| Progressive | $1,682 | $140 |
| Allstate | $1,697 | $141 |
| Average | $1,891 | $158 |
| CSAA | $1,919 | $160 |
| Auto Club | $1,921 | $160 |
| Mercury | $1,972 | $164 |
| State Farm | $2,043 | $170 |
| Farmers | $2,297 | $191 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Compare car insurance quotes from top companies
How much does car insurance cost in California?
The average price of car insurance in California is $ 140 per calendar month for minimum coverage and $ 158 for broad coverage, but rates vary by placement .
policy companies tend to charge higher rates in cities with more claims expenses per customer than in those with less. As an example of how rates can fluctuate, the average rate of minimum-coverage car insurance in Los Angeles is 41% higher than it is in San Diego.
What are California’s insurance requirements?
California requires all vehicle owners and operators to carry 15/30/5 indemnity, or liability coverage in the take after amounts :
- Bodily injury liability of at least $15,000 per person and $30,000 per accident
- Property damage liability limits of at least $5,000.
If you cause an accident, you can be held personally responsible for the portion of a victims’ medical bills or repair costs that exceed your insurance policy’s limits. This is why it ’ s a good mind to select liability limits that match your net worth .
other coverages are available on an optional basis .
| Coverage | What it pays for |
|---|---|
| Bodily injury liability: Required with limits of at least $15,000 per person and $30,000 per accident. | Medical treatment for others injured in a car accident you cause. |
| Property damage liability: Required with a limit of at least $5,000 per accident. | Repairs to other people’s vehicles and property after an accident you cause. |
| Collision: Optional, but usually required for a loan. | Repairs to your car after a collision you cause with another vehicle or object. |
| Comprehensive: Optional, but usually required for a loan. | Repairs from non-collision damage, such as vandalism, fire, flood and falling objects. Also covers theft of your vehicle. |
| Uninsured motorist bodily injury: Optional. | Medical treatment for injuries you and/or your passengers suffer in an accident caused by an uninsured motorist. |
| Underinsured motorist: Optional. | Medical treatment you and/or your passengers suffer in an accident caused by a motorist without enough insurance. |
| Uninsured motorist property damage: Optional. | Up to $3,500 in repairs to your vehicle after an accident caused by an uninsured motorist. Does not cover hit and run. |
| Medical payments: Optional. | Medical treatment for injuries you and/or your passengers suffer in a car accident, regardless of fault. |
You are required to show proof of insurance when asked by law enforcement, such as during a traffic arrest or after an accident, deoxyadenosine monophosphate well as when you renew your fomite ’ south registration. Insurance companies also report cancellations and other policy activity to the Department of Motor Vehicles (DMV).
The penalties for driving without policy include abeyance of your driver ’ randomness license or registration and vehicle impoundment .
How can I find affordable insurance in California?
The best means to find low-cost policy in California is to obtain quotes from multiple insurance companies to see which one has the best rate .
Good drivers who meet income eligibility guidelines are encouraged to apply for coverage through California’s Low Cost Auto Insurance program. The program is available to households with an income at or below 250 % of the poverty level, with premiums ranging from $ 244 to $ 966, depending on your county .
If too many accidents or violations on your record has made it difficult to qualify for standard auto insurance, you may qualify for liability coverage through the California Automobile Assigned Risk Plan (CAARP). You can find out more about CAARP from any local policy agency. In most cases, you ’ ll be able to qualify for standard policy after three years or less, as anterior accidents and/or violations come off your record .
How does SR-22 insurance work in California?
California law requires certain drivers, including those convicted of DUI or causing an accident while being uninsured, to file an SR-22 security with the DMV. not all indemnity companies in California accept SR-22 drivers. Those that do will file the certificate on your behalf, though some charge a small fee, usually about $25 to $50, for doing so.
Frequently asked questions about California car insurance
How much is car insurance in California?
The average cost of minimum-coverage car policy in California is $ 1,675 a class, which works out to $ 140 a month. The average monetary value of full-coverage car policy in California is $ 158 a month .
What is full-coverage car insurance in California?
Full-coverage car policy in California by and large includes collision and comprehensive examination coverage, in addition to liability coverage meeting or exceeding the state of matter ’ second minimal requirements. extra coverages are besides available on an optional basis .
Do you need insurance to register a car in California?
You are expected to have car policy when you register your vehicle in California, and it is illegal to drive a cable car without insurance. Your fomite ’ randomness adjustment will be suspended if you do not provide proof of indemnity within 30 days of registering your vehicle .
Methodology
In our analysis of California cable car policy rates, we obtained non-binding quotes for a typical driver from the state ’ s 10 most populate cities through Quadrant Information Services. Unless otherwise noted, our distinctive driver is a 35-year-old male with a clean drive record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a class .
Minimum-coverage policy rates are based on a policy meeting California ’ s minimum limits for indebtedness.
Full-coverage policies include the follow policy limits and deductibles :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 deductible for collision coverage
- $500 deductible for comprehensive coverage
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