California Car Insurance: Get a Quote (2024)

FAQs

Who has the cheapest car insurance in California? ›

Geico, USAA, Mercury Insurance, Progressive and CSAA are the five cheapest car insurance companies in California, according to our research. The average cost of full-coverage car insurance in California is $3,040 per year or $253 per month. That's about 13% more expensive than the national average of $2,681 per year.

The average monthly premium for minimum coverage in California is $53. The average monthly premium for full coverage is $220 in California. Drivers in Los Angeles, according to our research, pay an average rate for full coverage insurance of $3,603, 36 percent more than the state average.

Many California drivers may be feeling squeezed by the rising costs of insurance as premiums are being fueled by inflation, traffic volume, accidents and crime, according to a consumer expert.

Over the last year, several large insurance companies, such as GEICO, Allstate, and most surprisingly, Liberty Mutual have pulled out of California's auto insurance market. The conditions in the state have led the insurers to believe that California drivers are too expensive to insure.

Key Takeaways: Geico is best for you if you're simply looking for the cheapest option, as the provider has a cheaper average rate estimate in 82% of states across the U.S. Progressive is best for you if you're looking for more coverage options, add-ons and customizations.

Allstate stopped issuing new insurance policies for all business and personal property in California back in 2022. Since then, companies like State Farm, Farmers Insurance and The Hartford have made similar business moves.

Geico is the less expensive of these two insurers for most drivers, but Allstate scores points for its large agent network and for its Claim Satisfaction guarantee.

At what age is car insurance cheapest? ›

Experienced drivers are less likely to have accident claims, which means they cost less to insure. At Progressive, the average premium per driver tends to decrease significantly from 19-34 and then stabilize or decrease slightly from 34-75. At age 75, the average premium begins trending upward.

The monthly national average cost of car insurance for full coverage is about $196, so a monthly premium of $500 would be considered significantly more expensive.

If you buy directly from a Progressive company, your car insurance price reflects the cost of staffing and maintaining the sales centers, and a larger portion of our marketing costs.

Your Progressive rates may increase after six months depending on a number of factors. Like other car insurance providers, Progressive will typically raise your rates if you receive a speeding ticket or moving violation, cause an accident or make comprehensive insurance claims.

Full coverage insurance in California includes comprehensive, collision, and liability insurance. California drivers need at least $15,000 in bodily injury liability coverage per person, up to $30,000 per accident, and $5,000 in property damage liability coverage.

So it's important to understand insurance groups – after all, there are 50 of them in total. Cars in group 1 are the least risky from an underwriter's perspective and the cheapest to insure. Those in group 50 are the riskiest and most expensive – usually higher performance models and luxury SUVs.

Over the last year, several large insurance companies, such as GEICO, Allstate, and most surprisingly, Liberty Mutual have pulled out of California's auto insurance market. The conditions in the state have led the insurers to believe that California drivers are too expensive to insure.

Here are the minimum liability insurance requirements (per California Insurance Code §11580.1b): $15,000 for injury/death to one person. $30,000 for injury/death to more than one person. $5,000 for damage to property.