Cheapest Car Insurance in California

Here are the cheapest carriers in California for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in California.

Companies Quotes
State Farm

State Farm

$61 /mo
GEICO

GEICO

$64 /mo
Mercury

Mercury

$106 /mo
Nationwide

Nationwide

$106 /mo
American Family

American Family

$124 /mo

Best Car Insurance in California

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in California.

Companies Insurify
Composite Score
Quotes

American Family

92
$124 /mo

GEICO

89
$64 /mo

Nationwide

85
$106 /mo

State Farm

84
$61 /mo

Mercury

82
$106 /mo

Car Insurance in California

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in California to find you the cheapest quotes in each of these metropolitan areas.

California's most populous city is Los Angeles - home to over 4 million people and notoriously difficult commutes for drivers.

California Driving Facts

California effected a number of new traffic laws for 2018, including legislation on DUI policies for rideshare service drivers, seat belts on public transport, and smoking or ingesting cannabis in moving vehicles. Most significantly, a change in the California Department of Motor Vehicle's road rehabilitation and maintenance program signals that registration or renewed registration of a motor vehicle will now come with a fee of $25 to $175.

California's minimum liability car insurance limits are as follows:

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

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

dui
States with Most
DUIs Rank
#12
moving violations
States with Most
Moving Violations Rank
#34
popular car
State's
Most Popular Car
Honda Civic
speeding violations
States with Most
Speeding Tickets Rank
#45
suspended licenses
States with Most
Suspended Licenses Rank
#17

Greenest Cities in California

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The Green California program, through the state government, aims to lessen California's carbon footprint and promote sustainable government-funded solutions to climate change. The state is on pace to reduce petroleum consumption by over 20 percent by 2020, thanks to statewide legislation. Over 600 state fleet vehicles are zero-emission vehicles, or ZEVs. The decades-old, Sacramento-based Planning and Conservation League continues to push for alternative and public transportation expansion statewide.

green city award

Venice


most patriotic
% of Hybrids/Electrics 6%

Most Patriotic City

Twentynine Palms

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Twentynine Palms won Insurify's Most Patriotic Cities Award for the state of California. It is adjacent to Marine Corps Air Ground Combat Center Twentynine Palms.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in California is vital for all car insurance shoppers hitting the road in The Golden State.

Road Rankings

38% Rural Roads in
Poor Condition

#3 Ranked

6% Structurally Deficient
Rural Bridges

#13 Ranked

1% Fatality Rate per 100M VMT
on Rural Roads

#30 Ranked