California car insurance rates tend to be quite expensive for the whole half of the people. However, this fact doesn’t mean that cheap liability doesn’t exist in this state. We’ve analyzed cost tendencies in CA in order to provide auto drivers with useful info about cheapest offers provided by companies. We found that the price of insuring a vehicle can very differ. Because of this, in order to get best rates, the consumer is forced to move around, comparing quotes. With our help, you can use the calculator, compare and learn about the best car insurance companies in California. To see the whole picture of the whole situation in the Californian market, you can learn the following affordability rating list:
- 21st Century – 5.0
- Esurance – 5.0
- Hanover 4.8
- AAA – 4.6
- Ameriprise – 4.3
- Colonial – 4.1
- Farmers – 4.1
- Horace Mann – 4.1
- Mercury – 4.1
- Safeway – 3.9
- Symetra – 3.8
- The Hartford – 3.2
- Travelers – 3.0
- Triwest – 2.9
| Rank | Company | Annual Rate |
|---|---|---|
| 1 | Nationwide | $1,137 |
| 2 | Century National | $1,162 |
| 3 | GEICO | $1,211 |
| 4 | Grange | $1,357 |
| 5 | State Farm | $1,453 |
| 6 | Allied | $1,633 |
| 7 | Progressive | $1,674 |
| 8 | Unitrin | $1,753 |
| 9 | Kemper Specialty | $2,518 |
| 10 | Bristol West | $2,730 |
For good / young drivers or with one at-fault car accident
Best rates for people with no moving violations, DUIs or accidents per year:
• Geico – 1193$
• Esurance – 1337$
• 21st Century Insurance – 1371
You are probably asking yourself, how much is car insurance in California? We have a quiet straight answer for you. Geico has the cheapest cos rate for our group – only 99$ a month, after this point we have Esurance and 21st Century. Basically, a good automobilist has available discounts in order to reward safety on a road.
Driver in his early 20s probably need less affordable car insurance California than an older cyclist with family, and it means that he has bigger savings to insure. Because of this, we show rates for younger auto owners with the coverage in CA with the lowest requirements. Geico comes out with the inexpensive quote in our research for younger motorists in our quote, and it is only about 40$ per month.
Price per year:
• Geico - $460
• 21st Century – $702
• Esurance - $714
A significant amount of your cheap car insurance California can be caused by an accident. If you look at a low cost quote – it would be more expensive, for about 500$, than coverage for an automobilist with the clean history and the same age. For now, AAA is a better choice for users without military affiliation. In our research, we found three cheapest solutions, including Geico and Esurance with average cost in a year:
• AAA - $1680
• Esurance - $ 1850
• Geico – $2190
Minimal requirements for car insurance in the state of California
In accordance with California car insurance laws, each vehicle owner should have arrearage with the next mandatory amounts of bodily harm liability:
| Coverage Type | California Minimum | Study Limits |
|---|---|---|
| Bodily Liability | $15,000 per person / $30,000 per accident | $50,000 per person/ $100,000 per accident |
| Property Damage | $5,000 per accident | $50,000 per accident |
| Uninsured/Underinsured Motorist BI | $50,000 per person/ $100,000 per accident | |
| Uninsured/Underinsured Motorist Property |
|
$50,000 per accident |
| Comprehensive & Collision | $500 Deductible |
At least cheap obligation coverage is necessary when you need to pay for third parties property damage or personal injury if your actions caused this accident. We recommend you to get more than a minimal debt, it could be helpful, and it will save you from a waste of your savings in order to deal with expenses.
Alternative ways to insure auto in CA
If it happened, that you already have a big number of auto accidents, such factors like DUI make it difficult to get car insurance quotes California from the voluntary market, so you can refer to AARP (Auto Assigned Risk Plan). With their help, you, as a high-risk driver, will probably be connected to some company that can cover you for the average cost.
Inexpensive companies
Geico provides the cheapest option for good autocar users, as well as for young drivers. In the case, when you have one at-fault crash, the best option is provided by AAA. Retired motorists can get an average cost for full coverage from 21 st Century. If you have a military connection – the rightful choice is to refer to USAA Company.