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Cheapest and Best California Car Insurance Companies (2022) – ValuePenguin

the best cheap car insurance companies in california

cheapest minimum liability auto insurance quotes in california: geico

geico has the cheapest auto insurance for most drivers in california. the company charges an average of $390 per year for a minimum liability policy. that’s 35% cheaper than the state average.

California drivers can also find affordable auto insurance from aaa of northern california (aaa norcal) or progressive. Both auto insurers offer affordable rates that are substantially cheaper than average, and AAA has some of the best customer service scores in the state.

Reading: What is the cheapest insurance in california

aaa offers car insurance to residents of northern california through aaa of northern california, also called aaa norcal or csaa, while the auto club of southern california (aaa socal) covers drivers in southern california. from california.

cheapest full coverage auto insurance company in california: mercury

mercury has the cheapest full coverage auto insurance quotes in california at $1731 per year. geico and progressive also offer quotes under $2,000 per year.

cheapest auto insurance for california drivers with previous incidents: mercury

Just one accident and one claim on your driving record can increase your auto insurance quotes by hundreds of dollars. Drivers with incidents on their records, such as accidents, speeding tickets, and DUIs, often pay higher premiums than other drivers.

cheapest auto insurance quotes for california drivers with a speeding ticket: mercury

Mercury has the best full coverage auto insurance rates for California drivers who have received a speeding ticket.

Mercury comprehensive coverage policies average $2,293 a year, which is 28% cheaper than the state average of $3,200 for drivers with speeding tickets.

Drivers typically pay more for auto insurance after receiving a speeding ticket because, statistically, they are more likely to be in an accident. ValuePenguin found that a full coverage policy in California is $1,052 more expensive annually ($88 more expensive monthly) after a speeding ticket. that’s a 49% increase.

cheapest auto insurance for california drivers after an accident: mercury

Mercury offers the cheapest full coverage auto insurance quotes for California drivers with an accident on their driving record.

The company’s average annual fee after an accident is $2,604 per year, or 40% cheaper than the California average of $4,330.

California drivers with a history of accidents typically pay 102% more for auto insurance than drivers with no previous accidents.

cheaper car insurance rates after a dui: mercury

if you have a dui in california, you can get a good deal on auto insurance from mercury. their typical fee of $2,867 per year is about half the overall average price.

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A DUI conviction usually means a substantial increase in your auto insurance rates. The average cost of DUI insurance in California is $5,839 per year, an increase of 172% compared to a driver with a clean record.

cheapest car insurance quotes for young drivers in california: geico

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For comprehensive coverage, State Farm is slightly cheaper than Geico, at $3,949 per year, compared to Geico’s average rate of $4,306.

Young California drivers pay more than two and a half times more than older drivers for auto insurance. Insurers charge 18-year-old drivers an average of $1,577 per year, compared to just $604 for 30-year-old drivers, for a minimum coverage policy.

While high rates for young drivers might discourage them from buying comprehensive coverage, consider the additional value of comprehensive coverage. The added protection of comprehensive and collision insurance is especially helpful for young drivers, who are more likely to have more accidents than more experienced drivers.

cheapest car insurance for young drivers in california with a speeding ticket: geico

in california, 18 year old drivers could get the best geico quotes after a speeding ticket.

Geico rates average $1,312 per year for a minimum coverage policy, which is 38% cheaper than the California state average of $2,107 for young drivers with a speeding ticket.

Overall, rates for young drivers in California increase by 34% after a speeding ticket. that’s an additional $44 per month.

cheapest for teen drivers in california with a history of accidents: geico

geico and mercury offer the most affordable auto insurance coverage for young California drivers after an at-fault accident. both companies offered rates below $1,700 a year, much less than the typical price of $2,305 a year.

Teenagers pay more for car insurance after an accident because their lack of driving experience indicates a statistical probability of having another accident: approximately 46% more. however, because teens are already more likely to be in an accident than older drivers, the relative increase is smaller. older California drivers typically pay 102% more after an accident.

California Cheapest Car Insurance Quotes for Married Drivers – Progressive

The best price for married drivers in California is Progressive, which offers a typical rate of $1,448 per year, or 26% less than the average of all insurers. Progressive also has the biggest discount for married drivers, at 27%.

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The average rates California insurers charge married drivers are 9% lower than the rates they charge single drivers. Most insurers offer slightly cheaper rates to married drivers because there is a correlation between being married and having fewer car accidents.

best auto insurance companies in california

state farm is another top candidate for good insurance. state farm also offers a wide variety of different types of coverage and is a great option to combine with other types of insurance, such as homeowners or renters insurance.

average cost of auto insurance rates in california by city

The average cost of a full coverage auto insurance quote in California is $2,148 per year or $179 per month. But the cost of car insurance varies depending on where you live. You may have a higher insurance rate if there are a lot of car thefts in your area, the roads are poorly maintained, or, as may be the case in Beverly Hills, the average price of a car is high. If all your neighbors drive Teslas, a liability claim will be higher because the cost to repair the vehicle is higher.

minimum auto insurance requirements in california

California requires minimum liability limits of 15/30/5 for bodily injury and property damage liability coverage.

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Although this is the lowest amount of insurance coverage you can have, we recommend that you adjust your coverage limits to suit your driving habits and personal financial situation. We recommend adding collision and comprehensive coverage if your car is worth more than a few thousand dollars. you should probably have both if your car is loaned or rented.

On the other hand, if you’re a college student with an older car who doesn’t drive often, you might consider lower liability limits.

If you own a home in one of California’s most expensive zip codes and have significant savings and investment accounts, we recommend you increase your liability limits and consider adding umbrella coverage to protect your assets.

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possible increase in California minimum insurance requirements

The California Legislature has proposed, but appears unlikely to pass, a bill that would increase the minimum required amount of liability coverage for drivers in the state through 60/30/15.

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California’s current minimums (15/30/5) are among the lowest in the country—only three other states have the same or lower required liability limits. The change would catapult California into one of the states with the highest insurance coverage in the country—only eight states have requirements as high or higher.

If the bill passes, drivers with minimal coverage will likely see their rates increase the next time they renew. Increasing your limits from the current to the proposed minimums would result in an average price increase of 16%, or $96 a year, if you have a clean driving record. but the increases may differ because the additional coverage would be distributed among all insured drivers.

The bill has passed the state senate and is in an assembly committee. if the bill passes, the increase will take effect on January 1. January 1, 2025.

auto insurance discounts for affinity groups in california

The California Department of Insurance recently proposed regulations to mitigate the effect of affinity group discounts on insurance prices. Policyholders in California and elsewhere can often get discounts for being part of an affinity group. affinity group discounts may apply to the policyholder’s occupation, such as lawyers and teachers, or their membership in an organized group, such as an alumni association.

Among the largest affinity group discounts for some of California’s largest insurance companies, the largest discount was from farmers, which discounted policies by 14% for a variety of professionals .

frequently asked questions

methodology

We collect thousands of California zip code rates for the largest insurers. We use a sample controller with the following profile:

For all quotes with a minimum coverage policy, we use the minimum limits required in California.

The base policy for full coverage quotes had the following limits:

AAA insurance is available through two companies in California: Automobile Club of Southern California (AAA SOCAL) and AAA of Northern California/CSAA (AAA Norcal). these are two separate companies with different rates. You can only buy insurance from one or the other depending on where you live.

valuepenguin’s analysis used insurance rate data from quadrant information services. These rates were obtained publicly from insurer filings and should be used for comparison purposes only; your own quotes may be different.

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