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Cheap Auto Insurance Quotes in Davis, CA, for September 2022

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Amy Beardsley

By: Amy Beardsley

Edited by Danny Smith

Updated September 15, 2022

Quick Facts

  • The average cost of car insurance in Davis is $171 per month or $2,052 annually.

  • Car insurance in Davis is $85 less than the average cost of insurance in California.

  • The cheapest top car insurance provider in Davis on average is Progressive.

Car Insurance in Davis, CA

Car insurance is one of those necessities that seem to increase in price with every new day. In Davis, the average cost of car insurance is $171 per month. How much you end up paying personally depends on your specific insurance needs. No matter your situation, you should always compare car insurance companies before committing to a policy.

Quotes by Top Companies

Progressive
$99
Travelers
$112
National General
$127
Bristol West
$222
Dairyland
$381

See More:

Cheap Car Insurance California

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Cheapest Car Insurance in Davis, CA

What is the cheapest car insurance in Davis?

Progressive is the cheapest top car insurance provider on average in Davis, with rates starting at $99 per month. It’s still important to compare car insurance rates, as everyone’s situation is unique.

With so many insurance companies out there, it can be difficult to find one that is affordable and also offers the coverage you need. As you can see from the table below, there are plenty of companies that offer coverage in Davis, so rest assured that you have options.

Insurance CompanyAverage Monthly Quote
Progressive$99
Travelers$112
National General$127
Bristol West$222
Dairyland$385
Mile Auto$99
Metromile$104
Clearcover$114
Bluefire$114
21st Century$126
Anchor$140
Mercury$142
Freedom National$146
SafeAuto$147
Safeco$152
Aspire General$156
Sun Coast$158
Workmen’s$183
Kemper$223
Infinity$279
Pronto$375
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Minimum Car Insurance Requirements in California

All motor vehicles operated or parked on California roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in California[1] are:

  • $15,000 per person for bodily injury

  • $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. California is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Davis Car Insurance Rates by Driving and Accident History

It makes sense that drivers with a clean driving record can find the cheapest auto insurance rates. If you have a speeding ticket, at-fault accident, or DUI on your record, you may end up paying higher car insurance rates for years[2]. Start looking for coverage options now to compare quotes and avoid paying too much for coverage.

Driver HistoryAverage Monthly Cost
Clean Record$188
Speeding Ticket$252
At-Fault Accident$274
DUI$374
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More:

High-Risk Car Insurance California

DUI Car Insurance California

Davis Car Insurance Rates by Credit Tier

Insurance companies in California are not legally allowed to use credit-based scores to determine car insurance premiums or whether to even issue you an insurance policy[3]. So while improving and maintaining your credit score won’t save you money on your car insurance, it can help you lower interest rates when applying for loans, so it’s still worth keeping an eye on.

How to Get the Cheapest Car Insurance in Davis

As long as you have a car and a driver’s license, you need car insurance in Davis, California. A policy that meets the minimum auto insurance coverage required by the state can cost less, but it may not offer you the protection you need. You may feel overwhelmed if you’re looking for car insurance, but it doesn’t have to be stressful if you know how to shop for coverage.

With Insurify, drivers can compare auto insurance rates from multiple companies in minutes. You can compare different companies, find out what type of insurance coverage you need, and make sure you get the best deal for your budget. Drivers should also take advantage of discounts, like those for bundling auto insurance with renters or home insurance.

Frequently Asked Questions

  • You may feel like the only way to find affordable insurance options is to sacrifice quality or try to scour the internet for hours on end. But with Insurify, you can compare car insurance quotes from the top companies in your area in just a few minutes.

  • The average driver in Davis pays $171 per month for car insurance. Progressive and Mile Auto have the cheapest average rates at $99 per month, but many companies in the Sacramento Valley offer affordable coverage. Your rate can depend on your driving history, age, vehicle type, and coverage options. Shop around to compare rates to find out how much you might pay.

  • Many factors affect how much you pay for your car insurance, such as age, gender, vehicle type, and coverage options. Even if you have a great driving record, events like traffic violations or accidents can increase your rates. The company you choose will also affect car insurance costs. Be sure to check quotes from at least three companies before you choose an insurer.

Insurify Insights

How Davis Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Davis, California below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Davis drivers measure up to their fellow motorists across California in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Civic

Most Popular Car in Davis

#198

City with the Most Speeding Tickets Rank in California

#294

City with the Most Moving Violations Rank in California

#210

City with the Most DUIs Rank in California

#276

City with the Most Suspended Licenses in California

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Davis drivers rank 270 in the number of car accidents per driver across all cities in California.

    • Rank within state: #270
    • Percent of drivers in Davis with an accident: 8.6%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Davis drivers rank 210 in the number of DUI’s per driver across all cities in California.

    • Rank within state: #210
    • Percent of drivers in Davis with a DUI: 1.7%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in California, Davis drivers rank 355 in the number of reckless driving offenses per driver.

    • Rank within state: #355
    • Percent of drivers in Davis with a reckless driving offense: 0.2%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in California, Davis drivers rank 358 in rude driving infractions.

    • Rank within state: #358
    • Percent of drivers in Davis with a reckless driving violation: 0.2%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in California, Davis drivers rank 198 in the number of speeding infractions per driver.

    • Rank within state: #198
    • Percent of drivers in Davis with a speeding ticket: 6.9%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Davis drivers rank 38 in clean driving records across all cities in California.

    • Rank within state: #38
    • Percent of drivers in Davis with clean record: 83.1%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Davis drivers rank 67 in hybrid and electric vehicle ownership across all cities in California.

    • Rank within state: #67
    • Percent of drivers in Davis with a hybrid/electric vehicle: 5.26%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Amy Beardsley
Amy Beardsley
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Insurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

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Sources

  1. California Department of Motor Vehicles. "State Minimum Car Insurance." Accessed May 28, 2022
  2. California - The Online Traffic School, Inc.. "How California Traffic Tickets Affect Auto Insurance?." Accessed July 12, 2022
  3. The Pew Charitable Trusts. "Some States Take Aim at 'Discriminatory' Auto Insurance Pricing." Accessed July 12, 2022