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 |
$61 /mo |
 GEICO |
$64 /mo |
 Nationwide |
$106 /mo |
 Mercury |
$106 /mo |
 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. For the complete list, see Insurify's best car insurance companies.
| Companies |
Insurify Composite Score |
Quotes |
|---|---|---|
|
American Family |
90
|
$124 /mo |
|
GEICO |
88
|
$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.
| City | Cheapest Carrier | Quote |
|---|---|---|
| Los Angeles |
GEICO |
$90 /mo |
| San Diego |
State Farm |
$61 /mo |
| San Jose |
State Farm |
$64 /mo |
| San Francisco |
State Farm |
$76 /mo |
| Fresno |
GEICO |
$73 /mo |
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.
Moving Violations Rank
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.
Venice
% 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.
