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Auto insurance is required by law in the state of California, and it also provides important protection for assets. Finding the best car insurance in California is essential to getting the right coverage at the most affordable price. This guide will explain how to find the right California auto insurance for every driver.
The cheapest car insurance in California for the typical driver is provided by Wawanesa General Insurance Company. This insurer charges average annual car insurance premiums of $1,142. This is based on a comparison of premium quotes for male and female drivers, aged 35, with no accidents and who use their vehicles for personal use.
Other California insurers offering cheap policies for drivers with the same profile include:
Wawanesa General Insurance Company is also the cheapest California auto insurance for new drivers. Policies are typically costlier for new motorists, because the accident risk is higher due to their lack of experience. Average annual premiums for young drivers come in at $2,023 with Wawanesa General. This is based on an 18-year-old new driver using a vehicle for personal use.
Other California car insurers offering cheap coverage for young drivers include:
The cheapest car insurance in California for drivers with prior accidents is provided by Wawanesa General Insurance Company, too. Average premiums for a driver with one prior accident who uses a vehicle for personal use are $1,727. Costs are higher for drivers with an accident history due to added risk.
Other California insurers offering cheap coverage for drivers with an accident history include:
Wawanesa General Insurance Company also provides the cheapest car insurance in California for drivers with prior speeding tickets. Average premiums for a driver with one speeding ticket who uses a vehicle for personal use come in at $1,638 from Wawanesa.
Other California auto insurance companies offering cheap car insurance policies for drivers with a ticket history include:
How much is car insurance in California? The cost largely depends on how much protection drivers are interested in. For drivers who want only the state's minimum coverage, the cheapest insurer is Geico, which has average premiums of $403 for liability-only protection.
Some of the other best car insurance companies in California for drivers looking for minimum coverage include:
Buying liability-only protection keeps California auto insurance costs down. But it is risky to have liability coverage only.
Liability car insurance policies only pay for damages the covered driver causes to other motorists. If a driver has liability-only coverage, none of his personal losses will be covered by his insurance. That means insurance provides no coverage for a car after an accident the driver causes. It also won't pay for car theft or other damage, such as hail damage.
California auto insurance is a bit cheaper than the national average. In California, the average car insurance premium is $2,346. This is the overall average for motorists of various ages and driving records. By comparison, the national average annual car insurance premium is $2,646.
Also of note is that young drivers in California are paying on average 29% lower car insurance rates than young drivers nationwide.
|Average Rate Category||California||
|1 Accident on Driving Record||$3.210||$3,092|
|1 Speeding Ticket on Driving Record||$2,794||$2,766|
California law requires drivers to provide proof of liability coverage. Drivers should keep their insurance card in their car at all times. It will list the insured vehicles, as well as the date the policy starts and ends.
Drivers who do not show proof of liability coverage can be ticketed. Consequences of driving without insurance can include a suspended license. Plus, a driver's vehicle could be impounded for driving without insurance.
California car insurance laws are unique. The state has financial responsibility requirements. But it doesn't necessarily mandate every driver buy California auto insurance.
Drivers can satisfy California insurance requirements in one of four ways:
California auto insurance laws also specify how much liability coverage a driver must have. Motorists must have a minimum of:
It's often cheaper and easier to purchase California auto insurance than to use one of these other approaches.
The secret to finding low cost car insurance is to shop around with multiple insurers. Prices can vary between companies. So drivers looking for affordable car insurance California should get quotes from several of the best car insurance companies.
Getting multiple car insurance quotes in California isn't the only way to save money. Drivers should also ask about discounts when shopping for cheap auto insurance California coverage. Many insurers provide savings based on employment relationships. Some also provide discounts based on group memberships. Moreover, maintaining a good driving record is important to get the cheapest car insurance in California.
This state provides a solution for drivers who can't afford to buy the minimum car insurance coverage. That solution is California's Low Cost Automobile Insurance Program. The program was established in 1999. It provides access to cheap liability car insurance in California. By offering a low-cost alternative, it helps ensure lower-income residents do not have to go without minimum coverage.
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The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only — your own quotes may be different.