How Much Is Average Car Insurance In California

How Much Is Average Car Insurance In California – To help you find the cheapest auto insurance in California, our editorial team has compared quotes from the top California auto insurance companies in each zip code. We’ve ranked the best companies in California based on customer service, convenience, and coverage. We also rated the best companies based on the affordability of different drivers.

To find the cheapest companies, we averaged the liability insurance-only quotes that meet California minimums for personal injury liability of $15,000 per person and $30,000 per accident and property damage coverage of $5,000. Offers for comprehensive coverage policies include liability limits in excess of state minimums plus collision and comprehensive coverage.

How Much Is Average Car Insurance In California

Geico offers the cheapest car insurance in California for most drivers. The company charges an average annual minimum liability insurance premium of $390. That’s 35% cheaper than the statewide average.

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California drivers can also get affordable auto insurance from AAA of Northern California (AAA NorCal) or Progressive. Both auto insurers offer cheap rates that are much lower than average, and AAA has some of the best customer support scores in the state.

AAA provides auto insurance to Northern California residents through the Northern California AAA (also known as AAA NorCal or CSAA), while the Automobile Club of Southern California (AAA SoCal) provides insurance to Southern California drivers.

Mercury has the cheapest full auto insurance quote in California at $1,731 per year. Geico and Progressive also offer offers under $2,000 per year.

Minimum Coverage Auto insurance quotes meet California’s minimum legal requirements, which include $15,000 per person for bodily injury liability and $30,000 per accident and $5,000 for property damage coverage.

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Unlike full coverage, minimum coverage excludes comprehensive coverage and collision coverage, which protects you from vehicle damage after a collision, theft, vandalism, or natural disaster—regardless of who is at fault.

Although comprehensive coverage is more expensive, purchasing a higher liability coverage limit and adding comprehensive and collision coverage is a good idea for most drivers and new car drivers. This is also required if you have a car loan or lease.

An accident and a claim against your driving record can add hundreds of dollars to your auto insurance quote. Drivers with a history of accidents, speeding tickets and DUIs usually pay more for insurance than other drivers.

Mercury offers the best fully-covered auto insurance rates for California drivers who receive speeding tickets.

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Mercury’s average $2,293 per year all-insurance policy is 28% cheaper than the $3,200 average for speeding ticket drivers.

Drivers generally pay more for auto insurance after receiving a speeding ticket because, statistically, they are more likely to be involved in an accident. All-insurance policies in California were found to be $1,052 more expensive per year ($88 more per month) after a speeding ticket, a 49% increase.

Mercury offers cheap, fully-covered auto insurance quotes for California drivers who have an accident on their driving record.

The company’s average annual fee after an accident is $2,604 a year, which is 40% cheaper than the California average of $4,330.

Factors That Impact Your Cost Of Car Insurance

California drivers with a history of accidents typically pay 102% more in auto insurance premiums than drivers with no previous accidents.

If you have DUI in California, you can get discounted auto insurance from Mercury. Its typical price is about half the average price of $2,867 per year.

A DUI conviction usually means a significant increase in your auto insurance rates. The average cost of DUI insurance in California is $5,839 per year, which is 172% more than drivers with a proven track record.

The cheapest car insurance company for young drivers in California is Geico. Its typical rate for minimum coverage is 26% below the $1,167 average.

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For full coverage, State Farm is slightly cheaper than Geico, at $3,949 a year, compared to Geico’s average rate of $4,306.

Younger California drivers pay twice as much for auto insurance as older drivers. Insurance companies charge an 18-year-old driver an average of $1,577 a year, while a 30-year-old driver pays as little as $604.

While higher rates for younger drivers may deter them from buying comprehensive coverage, consider the added value of comprehensive coverage. Additional collision protection and comprehensive insurance are especially useful for younger drivers, who are more prone to accidents than more experienced drivers.

Geico’s minimum insurance rate averages $1,312 a year, which is 38% cheaper than California’s average of $2,107 for young drivers on speeding tickets.

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Overall, young drivers in California saw a 34 percent increase in speeding tickets. That’s an additional $44 per month.

Geico and Mercury offer young drivers in California the most affordable auto insurance after a negligent accident. Both companies offer rates below $1,700 a year, well below the usual price of $2,305 a year.

Teens pay more for auto insurance after an accident because of their lack of driving experience, which means they are statistically more likely to have another accident—about 46 percent higher. However, since teens are already more prone to accidents than older drivers, the relative increase is small. Older California drivers typically pay 102% more after an accident.

The best rates for married drivers in California come from Progressive, which offers a typical fee of $1,448 per year, which is 26% less than the average for all insurers. Progressive offers married drivers up to 27% off.

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California insurers charge married drivers an average of 9 percent less than they charge single drivers. Most insurers offer slightly cheaper rates for married drivers because of the correlation between being married and having fewer crashes.

AAA is the best car insurance company in California because of its affordable prices, reliable coverage and support.

State Farm is another top contender for premium insurance. State Farm also offers many different types of insurance and is a great option to combine with other types of insurance, such as home or renters insurance.

The city with the most expensive car insurance in California is Beverly Hills at $3,474 per year. The cheapest city, Mount Shasta, averages $1,579 a year.

Car Insurance Rates By Age And Gender

In California, the average cost of a comprehensive auto insurance quote is $2,148 per year or $179 per month. But the cost of car insurance depends on where you live. If your area has a lot of stolen cars, poorly maintained roads, or, like Beverly Hills, the average car price is high, your insurance rates may be higher. If all your neighbors drive Teslas, the liability claim will be higher because of the higher cost of repairing the vehicle.

While this is the minimum amount of coverage you can get, we recommend that you adjust your coverage limit based on your driving habits and personal financial situation. If your car is worth more than a few thousand dollars, we recommend adding collision and comprehensive coverage. Both are required if your car is borrowed or leased.

On the other hand, if you’re a college student and own an older car that you don’t drive often, you may want to consider lowering your liability limit.

If you own a home in one of the most expensive zip codes in California and have large savings and investment accounts, we recommend that you increase your liability limit and consider adding umbrella insurance to protect your assets.

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The California legislature has proposed, but is unlikely to pass, a bill that would raise the state’s minimum liability insurance requirements for drivers to June 30, 2015.

California’s current minimum (15/30/5) is the lowest in the nation — only three other states require the same or lower limit of liability. The change would make California one of the most insured states in the country: Only eight states have such high or higher requirements.

If the bill passes, drivers with the lowest coverage will see their rates increase the next time they renew. If you have a good driving record, raising your limit from the current to the recommended minimum will increase the average price by 16%, or $96 per year. But the magnitude of the increase may vary, as the additional coverage will be distributed to each insured driver.

The bill has passed the state Senate and is before a parliamentary committee. If the bill passes, the increase will take effect on January 1, 2025.

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The California Department of Insurance recently proposed regulations to reduce the impact of affinity group discounts on insurance prices. Policyholders in California and elsewhere can often get discounts for being part of an affinity group. Affinity group discounts may apply to policyholders’ occupations — such as lawyers and teachers — or their membership in organized groups such as alumni associations.

Among the largest affinity group discounts for some of the largest insurance companies in California, the biggest discounts come from Farmers, who discount policies of 14% for various professionals.


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