Best Car Insurance in California (2026)
State Farm, USAA, and Nationwide are three of the best car insurance companies in California.
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4.7 / 517K reviews
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Writer: Taylor Milam-Samuel Insurance Writer
Writer: Taylor Milam-Samuel Insurance Writer
Qualifications:
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
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Best car insurance companies in California
Insurify analyzed 120+ companies, considering factors like cost, coverage options, and discounts, to determine the best car insurance in California. If you’re looking for coverage in the Golden State, the insurers below are a great place to start your search.
State Farm: Best overall in California
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $101/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $231/mo |
4.1
Best choice in CaliforniaBased on 21,453 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in California for
Showing 75 reviews from California driversSee all 8,185 State Farm reviews
Verified Review
Reviewed in California on September 24, 2026
I would say, "Don’t deal with the Jackson, CA office because they have the worst customer service and don’t credit payments upon receipt, so you get a late notice."
Verified Review
Reviewed in California on September 20, 2026
State Farm has good service.
Verified Review
Reviewed in California on September 11, 2026
I've been with State Farm for over 10 years, and I absolutely love their quality and service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
658
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm is the best overall car insurance company in California. In addition to offering competitive rates, J.D. Power rates the insurer highly for both customer and claims satisfaction. You can get a quote online or work with one of 2,000 local agents across the state.
Pros
Above-average J.D. Power customer satisfaction score
Affordable rates in California
Various discounts, including ones specifically for young drivers
Cons
Payoff Protector (gap) coverage is available only to policyholders who originate an auto loan with State Farm Bank
Quotes and policies can only be issued through State Farm exclusive agents
Doesn’t offer accident forgiveness coverage
Nationwide: Best for pay-per-mile coverage in California
| User Reviews | 4.3 |
|---|
4.3
Best choice in CaliforniaBased on 1,033 verified driver reviews and ratings
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
Based on analysis of verified reviews collected by Insurify
Best in California for
Showing recent national reviewsSee all 530 Nationwide reviews
Verified Review
Reviewed in Tennessee on September 21, 2026
Good company to deal with, but their rates are extremely high.
Verified Review
Reviewed in Vermont on September 17, 2026
Nationwide has always been very good about handling all my claims.
Verified Review
Reviewed in Maryland on September 15, 2026
I would highly, highly, highly—really, highly—not recommend getting service with National General through Nationwide. For starters, I had a set locked-in monthly rate, and by the second and third month it was raised by $20.
What was really disturbing is that I made my second-month payment three days early, and at the same time I set up autopay. Then three days later they tried to take the payment out again, and I didn’t have enough in the account to cover it. They charged me a late fee. When I called and explained that I paid three days early and then set up autopay for future payments, I felt it was a mistake on their end to withdraw the money again. They said it was my fault and that the late fee would stand, and there was nothing they could do.
They were willing to let me split the late fee into two payments. On the following month’s payment, I calculated my monthly charge plus half of the late fee, but because they didn’t document what they agreed to, there still wasn’t enough money to cover it. Then I was hit with another late payment. I called again and got the same result: the late fee would stand and there was nothing they could do.
I live paycheck to paycheck and work an hourly job, so I calculate what I need in my account for upcoming monthly bills. Please be careful about who you select for auto insurance, but I would definitely not recommend getting any type of insurance through Nationwide.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
627
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Nationwide offers pay-per-mile coverage in California through its SmartMiles program, making it a solid choice for drivers who want to prioritize affordability. With SmartMiles, you’re eligible for a 10% safe driving discount and all the coverage options Nationwide offers.
SmartMiles charges a base rate plus a per-mile rate and records mileage using an in-car tracking device. If you work from home, are a retiree, walk or bike to work, or are a student on one of California’s many college campuses, SmartMiles might be a good choice.
Pros
Highest J.D. Power customer satisfaction score for usage-based insurance
Discount of 10% for safe driving after first renewal
Low rates for low-mileage drivers
Cons
Not the cheapest company for high-mileage drivers
Requires in-vehicle tracking device
Rates fluctuate month to month
USAA: Best for military members in California
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $66/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $150/mo |
4.9
Best choice in CaliforniaBased on 4,359 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best in California for
Showing 27 reviews from California driversSee all 1,708 USAA reviews
Verified Review
Reviewed in California on September 26, 2026
It’s extremely difficult to get service at USAA if you’ve forgotten your PIN. Everything feels too complicated, and you don’t get to deal with an agent.
Verified Review
Reviewed in California on September 22, 2026
We’ve had to make two claims since we’ve been with them, and we’ve never had a problem. Customer service was very helpful.
Verified Review
Reviewed in California on September 16, 2026
My rates went up by $1,000.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
747
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Whether you’re a veteran or an active-duty military member stationed at one of California’s 44 military bases, USAA is a solid choice for car insurance. J.D. Power consistently rates the company among the top for customer and claims satisfaction. USAA also offers unique discounts to military members and veterans, such as savings of up to 60% for putting your car in long-term storage on base.
Pros
High J.D. Power score for customer satisfaction
Generous discounts
All-in-one banking and insurance
Cons
Must be a member of the military community
No 24/7 customer service
Only has three brick-and-mortar office locations in California
Safeco: Best for cheap rates in California
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $85/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $137/mo |
4.3
Best choice in CaliforniaBased on 1,081 verified driver reviews and ratings
Safeco's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
Based on analysis of verified reviews collected by Insurify
Best in California for
Showing 5 reviews from California driversSee all 540 Safeco reviews
Verified Review
Reviewed in California on September 19, 2026
Shop around with different companies.
Verified Review
Reviewed in California on February 4, 2026
Shop around. I believe insurers give an initial lower rate and then increase it over time, knowing that most people just keep paying the higher rate. You have to shop every time renewal comes up.
Verified Review
Reviewed in California on January 26, 2026
For me, they raised rates too much.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
634
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Safeco offers some of the lowest rates for California drivers. Liberty Mutual, one of the largest insurers, owns Safeco. Even though discounts are limited, the company excels at offering budget-friendly insurance. Plus, you don’t have to sacrifice coverage to save money since Safeco offers unique perks, like accident forgiveness, for free.
You must work with a local independent agent to get a quote and set up coverage, which might be a dealbreaker for drivers who prefer a digital experience.
Pros
Standardizes some optional coverages that usually cost extra
Cash back for claims-free drivers
Competitive pricing
Cons
Low J.D. Power score for customer satisfaction
Can only get quotes and purchase policies through independent agents
Above-average number of complaints filed with the National Association of Insurance Commissioners (NAIC)
Amica: Best for customer satisfaction in California
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.6 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $227/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $394/mo |
4.5
Best choice in CaliforniaBased on 204 verified driver reviews and ratings
Amica's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 3.6 | 2.9 |
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
Based on analysis of verified reviews collected by Insurify
Best in California for
Showing recent national reviewsSee all 107 Amica reviews
Verified Review
Reviewed in Massachusetts on September 19, 2026
Excellent, very professional and knowledgeable staff.
Verified Review
Reviewed in Rhode Island on April 30, 2026
Excellent customer service.
Verified Review
Reviewed in Massachusetts on March 23, 2026
Amica is great. Customer service and claims both have great communication. It's just too pricey for my budget right now.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
709
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.57
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Amica is a top choice for California drivers who want a strong customer service experience. The company consistently earns high J.D. Power customer satisfaction ratings and a below-average number of NAIC complaints, making it an excellent choice for drivers who prioritize customer service.
Amica offers unique policy perks, like premium packages and dividend-paying policies. You can also save money with the company’s long list of discounts and safe driving incentives. But if you prefer an in-person experience with an agent, you might not be able to find that in California since the company has only two Amica offices in the state.
Pros
Above-average J.D. Power customer satisfaction rating
Unique policy perks
Extensive list of discounts
Cons
Only two offices in California
No pay-per-mile option
Doesn’t offer rideshare insurance
How we chose the best car insurance companies in California
Our editorial team analyzed regional and national auto insurance companies that sell policies in California to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
Average cost of car insurance in California
The average cost of car insurance in California is $98 per month for liability coverage and $203 per month for full coverage. This is higher than the national monthly averages of $99 for liability coverage and $187 for full coverage, partly because the state’s insurance price freeze recently ended.
California Gov. Gavin Newsom imposed a price hike freeze during the pandemic, which prevented insurers from raising rates. But now that it’s over, experts predict that insurance costs could increase as much as 50% over the next few years.[2]
At the end of 2025, the average annual full-coverage premium in California was $2,309, and Insurify data scientists project a 1% increase by the end of 2026.
Find Cheap Car Insurance in California
Liability rates start as low as $66 per month
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4.7 out of 5 based on 17,481 reviews
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How to get the best car insurance in California
The best car insurance in California depends on your priorities, and a few considerations can make it easier to decide. Here’s what to consider when determining which company is the best option.
Consider how much coverage you need
California requires drivers to carry a minimum of $30,000 per person and $60,000 per accident of bodily injury liability coverage, as well as $15,000 in property damage liability.[3] But a full-coverage insurance policy offers more financial protection than liability-only insurance, because it also covers your vehicle repairs if you’re at fault in an accident.
Compare quotes from multiple insurers
California’s car insurance rates are higher than the national average, in part due to its population density and risk of natural disasters, such as earthquakes and wildfires. Comparing quotes from three to five insurers is the best way to find an affordable policy that meets your coverage needs.
Look into California car insurance discounts
Asking your insurance agent about eligible discounts, such as a home and auto bundle discount, can help you save on a California car insurance policy. If you’re a member of certain professional organizations, such as the California Medical Association or the California Association for the Education of Young Children, you may qualify for an insurance discount.
Alumni of California universities, such as Stanford University and the University of Southern California, may also qualify for additional savings.
Best car insurance in California FAQs
The best car insurance company in California depends on what you need from your coverage. Here’s more information about auto policies in the Golden State.
How much is car insurance in California?
On average, Californians pay $98 per month for liability coverage and $203 for full coverage.
What are the best car insurance companies in California?
California’s best car insurance companies include USAA, Nationwide, and State Farm. Once you determine your top priorities, finding the right fit is easier. For example, Nationwide and Safeco are the best insurers if you want to prioritize low rates. But if you’re a member of the military community, USAA might be a good choice.
What is the required auto insurance coverage in California?
The state of California mandates liability insurance that includes $30,000 in bodily injury liability coverage per person, $60,000 in bodily injury liability per accident, and $15,000 in property damage liability. A policy from a reputable insurer meets these minimum coverage requirements. You can also choose to add more coverage for additional protection, like uninsured motorist coverage.
Sources
- Jdpower.com. "2023 U.S. Insurance Shopping Study."
- KTVU. "California could see car insurance rates soar by more than 50% this year: Here’s why."
- California Department of Motor Vehicles. "Insurance Requirements."
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USAA is the cheapest car insurance company in Elk Grove, with an average monthly liability rate of $64. State Route 99 cuts through Elk Grove, and its heavy commuter traffic can have an effect on car insurance rates.
Cheap Car Insurance Quotes in Escondido, California (October 2026)
USAA offers the cheapest car insurance in Escondido, with an average monthly rate of $62 for liability insurance. The city’s longer commute times and heavy congestion lead to higher premiums than in surrounding areas.
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Cheap Car Insurance Quotes in Fairfield, California (October 2026)
USAA offers the cheapest car insurance in Fairfield, with liability-only quotes averaging $62 per month. Heavy traffic on Interstate 80 and one of the nation’s higher metro vehicle-theft rates are among the local factors shaping Fairfield’s rates.
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Cheapest Car Insurance Quotes in Fontana, California (October 2026)
USAA is the cheapest car insurance company in Fontana, with liability policies averaging $71 per month. Fontana’s average rates are above the state average, partly due to the city’s high vehicle theft rate.
Cheapest Car Insurance Quotes in Fremont, California (October 2026)
USAA offers the cheapest insurance coverage in Fremont, with an average monthly liability rate of $61. The city’s risk of flooding could affect its average car insurance rates.
Cheapest Car Insurance Quotes in Fresno, California (October 2026)
USAA is the cheapest insurer in Fresno, with average liability rates of $59 per month. Drivers in Fresno likely pay higher rates due to the city’s high vehicle theft rate.
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Cheap Car Insurance Quotes in Garden Grove, California (October 2026)
Garden Grove drivers can find the cheapest rates from USAA, averaging $71 per month for liability coverage. The city’s population density and congestion on the 22 freeway may contribute to its higher car insurance costs.
Cheapest Car Insurance Quotes in Glendale, California (October 2026)
USAA offers the cheapest insurance in Glendale, with an average liability rate of $121 per month. Glendale’s high population density, high rate of vehicle theft, and exposure to multiple weather risks affect insurance premiums.
Cheap Car Insurance Quotes in Hayward, California (October 2026)
The cheapest car insurance company in Hayward, California, is USAA, with an average monthly rate of $68 for liability-only coverage. Hayward’s heavy traffic congestion on Interstate 880, high volume of vehicle thefts, and increased flood risk mean higher-than-average insurance rates.
Cheap Car Insurance Quotes in Hemet, California (October 2026)
The cheapest insurer in Hemet is USAA, with a monthly average of $60 for liability coverage. Located in the San Jacinto Valley, Hemet’s smaller population may contribute to its lower-than-average rates.
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Cheap Car Insurance Quotes in Hesperia, California (October 2026)
The cheapest car insurance company in Hesperia is USAA, with an average monthly premium of $72 for liability coverage. Hesperia car insurance is relatively expensive due to natural disaster risks, such as wildfires, earthquakes, and flash flooding.
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Cheap Car Insurance Quotes in Huntington Beach, California (October 2026)
USAA has the cheapest car insurance in Huntington Beach, with an average monthly cost of $67 for liability-only coverage. Heavy traffic along the Pacific Coast Highway (PCH) and the area’s DUI rates may influence premiums.
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Cheapest Car Insurance Quotes in Inglewood, California (October 2026)
The cheapest car insurance in Inglewood is USAA, at an average of $92 per month for liability-only coverage. Inglewood’s major sports and entertainment venues and proximity to LAX lead to heavy traffic congestion and a greater chance for collisions, which increases rates.
Cheap Car Insurance Quotes in Lancaster, California (October 2026)
USAA has the cheapest liability-only insurance rates in Lancaster, at $80 per month. Lancaster’s high wildfire risk can influence insurance rates.
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Cheap Car Insurance Quotes in Long Beach, California (October 2026)
USAA offers the cheapest car insurance in Long Beach, with an average cost of $77 per month for liability-only coverage. Heavy traffic and vehicle theft can contribute to the city’s high rates.
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Cheapest Car Insurance Quotes in Los Angeles (October 2026)
USAA has the cheapest car insurance rates in Los Angeles, at an average of $101 per month for liability-only policies. The city’s notorious traffic costs drivers an average of 87 hours per year in congestion.
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Cheap Car Insurance Quotes in Menifee, California (October 2026)
USAA and GEICO have some of the cheapest rates for Menifee drivers. The growing city’s heavy traffic and elevated car theft rates likely contribute to its above-average car insurance costs.
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Cheapest Car Insurance Quotes in Modesto, California (October 2026)
USAA is the cheapest insurer for liability coverage in Modesto, with an average rate of $63 per month. But drivers in Modesto may benefit from full coverage due to the city’s high risk of wildfires.
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Cheapest Car Insurance Quotes in Moreno Valley, California (October 2026)
USAA offers the cheapest car insurance in Moreno Valley, at $68 per month. A long average commute of 41 minutes keeps Moreno Valley drivers on congested freeways longer than most Californians, which can contribute to higher local rates.
Cheapest Car Insurance Quotes in Murrieta, California (October 2026)
USAA offers the lowest liability car insurance rates for Murrieta drivers, at an average of $66 per month. Heavy traffic from I-15 and I-215 brings plenty of driving challenges to the city, but overall, it’s a relatively safe place for drivers.
Cheapest Car Insurance Quotes in Oakland, California (October 2026)
USAA offers the cheapest minimum-coverage car insurance in Oakland, at an average of $77 per month. Oakland drivers often pay more than many other Californians because of dense traffic around I-880, I-580, and the MacArthur Maze.
Cheap Car Insurance Quotes in Oceanside, California (October 2026)
USAA offers the cheapest car insurance in Oceanside, with an average rate of $59 per month. Interstate 5, one of Oceanside’s busiest highways, carries more than 200,000 vehicles, on average, per day.
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Cheapest Car Insurance Quotes in Oxnard, California (October 2026)
USAA offers the cheapest car insurance in Oxnard, at an average of $61 per month. Oxnard’s typical commute time is below the state average in California, which may help keep rates lower.
Cheap Car Insurance Quotes in Palmdale, California (October 2026)
The cheapest liability car insurance in Palmdale is from USAA, with an average rate of $83 per month. Palmdale’s above-average commute time and weather hazards influence auto rates in the city.
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Cheap Car Insurance Quotes in Pasadena, California (October 2026)
USAA offers the cheapest car insurance in Pasadena, with liability premiums averaging $83 per month. Los Angeles County, where Pasadena is located, has the highest rate of vehicle thefts by volume in the nation, which may affect your monthly premiums.
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Cheapest Car Insurance Quotes in Perris, California (October 2026)
USAA is the cheapest car insurance company in Perris, with an average liability rate of $69 per month. Perris has more expensive car insurance rates than some nearby cities due to heavy traffic on Interstate 215.
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Cheap Car Insurance Quotes in Pomona, California (October 2026)
The cheapest car insurance company in Pomona is USAA, with an average monthly liability rate of $76. Car insurance rates are higher than average in Pomona because the city has a higher number of serious collisions, especially at night.
Cheap Car Insurance Quotes in Rancho Cucamonga, California (October 2026)
USAA offers the cheapest insurance in Rancho Cucamonga, with an average liability rate of $73 per month. High vehicle theft rates and severe weather risks affect insurance rates in Rancho Cucamonga.
Cheap Car Insurance Quotes in Redding, California (October 2026)
The cheapest insurer in Redding is USAA, with liability-only coverage averaging $50 per month. Redding’s short average commute time and smaller population may contribute to the city’s affordable rates.
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Cheapest Car Insurance Quotes in Rialto, California (October 2026)
The cheapest car insurance company in Rialto is USAA, with an average monthly premium of $71 for liability coverage. Greater population density and higher vehicle theft rates may help explain why Rialto’s rates are more expensive than in nearby smaller cities.
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Cheap Car Insurance Quotes in Riverside, California (October 2026)
USAA has the cheapest car insurance in Riverside, with an average liability rate of $68 per month. Frequent vehicle theft and traffic congestion can influence premiums in Riverside.
Cheapest Car Insurance Quotes in Roseville, California (October 2026)
USAA is the cheapest insurer in Roseville, with an average monthly liability rate of $63. Heavy congestion at the I-80/Highway 65 interchange can raise car insurance costs in the city.
Cheap Car Insurance Quotes in Sacramento, California (October 2026)
In Sacramento, USAA is the cheapest car insurance company, with average liability insurance rates of $71 per month. Car insurance rates are high due to Sacramento’s extremely high crash rate and climate risks.
Cheapest Car Insurance Quotes in San Bernardino, California (October 2026)
At $71 per month, USAA offers San Bernardino drivers the cheapest average liability-only rates. High vehicle theft rates and dense commuter traffic keep insurance prices above the state average.
Cheapest Car Insurance Quotes in San Diego (October 2026)
USAA offers the cheapest car insurance in San Diego, averaging $59 per month for minimum coverage. Numerous interstates pass through the city, increasing accident risks and insurance rates.
Cheap Car Insurance Quotes in San Francisco (October 2026)
The cheapest insurer in San Francisco is USAA, with an average liability-only rate of $76 per month. San Francisco’s high car theft rates and population density affect its car insurance rates.
Cheap Car Insurance Quotes in San Jose, California (October 2026)
USAA has the cheapest average liability coverage in San Jose, at $62 per month. Insurance costs in San Jose are slightly higher than the national average because traffic is often heavy, especially during rush hour on Interstate 280 and U.S. Route 101.
Cheapest Car Insurance Quotes in Santa Ana, California (October 2026)
USAA is the cheapest insurer in Santa Ana, with an average rate of $70 per month for liability coverage. Congested roadways may contribute to the city’s car insurance costs.
Cheap Car Insurance Quotes in Santa Barbara, California (October 2026)
USAA has the cheapest auto insurance in Santa Barbara, with liability policies averaging $54 per month. Santa Barbara is a tourist destination that welcomes more than 6.5 million visitors every year, and additional drivers on the road can affect insurance costs.
Cheap Car Insurance Quotes in Santa Clara, California (October 2026)
USAA offers the cheapest auto insurance in Santa Clara, at $64 per month. Santa Clara’s average liability rates are lower than the state average, despite the county’s very high vehicle theft rate.
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Cheap Car Insurance Quotes in Santa Maria, California (October 2026)
Santa Maria drivers can find the cheapest liability-only car insurance quotes through GEICO, with coverage averaging $51 per month. The city’s relatively small population and low vehicle theft rate may influence car insurance costs.
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Cheap Car Insurance Quotes in Santa Rosa, California (October 2026)
USAA is the cheapest insurer for liability-only coverage in Santa Rosa, with an average monthly rate of $57. Santa Rosa’s short average commute times may help keep its car insurance premiums low.
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Cheap Car Insurance Quotes in Simi Valley, California (October 2026)
USAA is the cheapest insurer for liability coverage in Simi Valley, with an average rate of $75 per month. But drivers may want to opt for full-coverage insurance due to the city’s high risk of wildfires and congestion.
Cheap Car Insurance Quotes in Stockton, California (October 2026)
USAA offers Stockton drivers the cheapest car insurance, averaging $66 per month for liability-only coverage. Living in a city with relatively high car theft rates and a large percentage of “super commuters,” Stockton drivers face higher average car insurance rates than much of the Golden State.
Cheap Car Insurance Quotes in Temecula, California (October 2026)
USAA offers the cheapest liability-only car insurance in Temecula, at $60 per month. Heavy northbound congestion on Interstate 15 influences Temecula insurance rates.
Cheap Car Insurance Quotes in Torrance, California (October 2026)
The cheapest car insurance company in Torrance, CA, is USAA, with an average liability-only rate of $77 per month. Premiums in Torrance are higher than state average, likely due to its high levels of traffic and vehicle theft.
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Cheap Car Insurance Quotes in Vallejo, California (October 2026)
USAA has the cheapest liability rates in Vallejo, averaging $67. Vallejo’s location near the San Francisco Bay makes it very vulnerable to flooding, which increases insurance rates.
Cheapest Car Insurance Quotes in Victorville, California (October 2026)
USAA is the cheapest car insurer in Victorville, CA, with an average liability premium of $73 per month. Car insurance in Victorville is slightly above the state average due to the area’s high population density and vehicle theft rate.
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Cheap Car Insurance Quotes in Visalia, California (October 2026)
USAA is the cheapest car insurance company in Visalia, with an average liability rate of $52 per month. Car insurance in Visalia tends to be affordable thanks to the city’s smaller population.
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Writer: Taylor Milam-Samuel Insurance Writer
Writer: Taylor Milam-Samuel Insurance Writer
Qualifications:
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.