Cheap Car Insurance in California

Cheap Car Insurance in California

To get right into it, some of the cheapest car insurance companies in California are Grange, Wawanesa and USAA. Although these companies stand out based on WalletHub’s data, it’s important that you get multiple quotes from different insurers in order to find the best, most personalized rate.

Each company has its own way of calculating premiums, so one insurer is unlikely to offer the cheapest rates to everyone. In addition to getting multiple quotes, there are a few steps that drivers in California can take to find cheap car insurance.

For starters, when comparing quotes, make sure that you maximize all the discounts you’re eligible for. A given insurer might not offer the lowest base rate, but with applicable discounts factored in, it could turn out to be the cheapest.

Cheap Car Insurance in California

You should also choose the right amount of coverage for your needs and your budget. The more coverage you buy, the higher your rate will be. For instance, drivers in California pay around $1,700 more for full coverage insurance, on average, than the minimum amount of coverage required by law.   Similarly, make sure to choose your deductible with care.

The higher your deductible is, the cheaper your car insurance premium will be. But you have to be able to afford your deductible when it comes time to use your coverage. Finally, you should make sure that you do not allow your insurance to lapse under any circumstances.

Having gaps in your insurance history increases your risk to insurers, which means that you’ll be quoted a higher rate. On average, drivers in California who don’t maintain continuous coverage pay roughly 6% more for car insurance than those with five or more straight years of insurance history.

FAQ

What’s the average cost of car insurance in California?

The average cost of car insurance in California for a minimum-coverage policy is $604 per year, or about $50 per month. The average cost for a full-coverage policy is $179 per month.

Is insurance expensive in California?

Yes, California has the 13th most expensive average quotes for a full coverage policy compared to other states. However, the average cost for a minimum coverage policy is about average, ranking as the 27th most expensive, with an average rate of $604 per year. The average cost of car insurance remained roughly the same compared to the previous year.

Which company has the cheapest car insurance in California?

The cheapest car insurance in California is Geico, based on our analysis of thousands of quotes from ZIP codes across the state. Geico has the cheapest rates for minimum coverage, at $390 per year. Mercury has the best rates for full coverage, at $1,731 per year.

Which car insurance company is the best-rated in California?

AAA is the best-rated car insurance company in California in terms of customer satisfaction. It received strong ratings for service, coverage options and price. It’s also one of the most popular options statewide.

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