Best Car Insurance for Drivers With
Bad Credit in California
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- Car Insurance in California
- Bad Credit Car Insurance 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.
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.
Auto Insurance with Bad Credit in California Guide
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.
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.
Best Car Insurance Companies for Bad Credit in California
Clearcover, Anchor, and Freedom National provide Californians with low credit the cheapest monthly rates, so if you have a troubled financial past, those might be an excellent place to start. If you’re also high-risk in other ways, you might look at Dairyland or Alliance United.
| Carrier | Avg. Monthly Cost |
|---|---|
| Clearcover Inc | $92 |
| Anchor | $108 |
| Freedom National | $109 |
| 21st Century Insurance | $118 |
| Aspire General Insurance | $146 |
| Travelers | $146 |
| Mercury | $165 |
| Workmen’s | $165 |
| National General | $166 |
| Dairyland Insurance | $186 |
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 | Avg. Monthly Cost |
|---|---|
| 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.
| City | Credit Tier | Avg. Monthly Cost |
|---|---|---|
| Los Angeles | Poor | $92 |
| Sacramento | Poor | $108 |
| Stockton | Poor | $109 |
| San Diego | Poor | $118 |
| Whittier | Poor | $146 |
| Fresno | Poor | $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.
