Cheap Car Insurance for Bad Credit Drivers in California:
Costs and Quotes (2022)

Browse. Compare. Discover. Let Insurify find the best bad credit car insurance deals for you in California.

Enter your zipcode to get started

Facebook following

24,000

Followers

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Full starFull starFull starFull starFull star
3691 Reviews

Insurify is rated 4.8 out of 5 based on 3691 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!


Last Updated: January 2022

Cheapest Companies for Drivers With Bad Credit in California (2022)

For drivers with bad credit in California, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in California. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in California.

Bad Credit Car Insurance in California

California has a reputation for being an easygoing, non-judgemental place. Whether you agree with that sentiment or not, if you’re worried your poor credit will hike your car insurance rates, California is a “chill” state to live in.

State law prohibits insurance companies from taking your credit information into account when they’re setting your rates on auto insurance, so even though drivers with bad credit pay more than the average driver, it’s not because of their personal financial information.

California Car Insurance Rates for Bad Credit Drivers
Average Monthly Cost
$232
$259
$261
$282
ExcellentGoodAveragePoor
Credit Tier

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in California?

Drivers with bad credit pay about 25 percent more than average in California, but since state law prevents these companies from discriminating based on credit, this is due to other factors.

California is on the expensive side when it comes to insurance rates, on average. In Massachusetts, where insurance companies are also prohibited from checking your credit to set your rates, drivers with bad credit pay the same as the average driver.

$228
$297
Avg. Monthly Cost - for Drivers with Good CreditAvg. Monthly Cost - for Drivers with Bad Credit
$69 ▴Monthly Impact of Bad Credit on Rates
30.26% ▴Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in California?

In the Golden State, it’s illegal for insurance companies to discriminate based on your credit when setting car insurance rates, so Californians don’t undergo a credit check when shopping for car insurance.

For those with bad credit, this is a pretty lucky break. Insurance companies almost always take credit into account when it’s legal for them to do so, and only Hawaii and Massachusetts have similar laws to protect customers from discrimination.

California Car Insurance Rates by Credit Tier

On average drivers in California with Good and Average credit scores, typically pay between 11-12% more per month than drivers who have an Excellent credit rating. For drivers with Poor credit scores, on average they pay 22% more than those in the Excellent tier. But drivers across all tiers should take advantage of quote comparison tools like Insurify to ensure that they are getting the best insurance rate for their situation, regardless of credit tier.

Credit Tier
Excellent$232
Good$259
Average$261
Poor$282

Car Insurance Rates With Bad Credit in California Cities

Inland cities appear to be cheaper places to drive for those with less-than-excellent credit, as well as San Diego. Predictably, Los Angeles isn’t the cheapest place to be insured, but in Whittier, southwest of the city, you’ll pay a bit less.

CityCredit Tier
Los AngelesPoor$92
SacramentoPoor$108
StocktonPoor$109
San DiegoPoor$118
WhittierPoor$146
FresnoPoor$146

Tips for Researching Bad Credit California Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like California draws a wide variety of choices when factoring insurance rates for drivers with bad credit.

Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

FAQs - California Car Insurance

Why is car insurance so expensive in California?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in California?

Auto insurance costs will vary between locations and insurance carriers, depending on the county California. 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.

Which providers have the best auto insurance ratings in California?

The way to find the carrier with the best auto insurance ratings in California and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

How much do annual auto insurance rates increase in California?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.