In 2023, peoples who live in California, want cheap car insurance quotes from top insurance companies. Some companies are better at offering cheap car insurance. They provide minimum coverage with low prices.
Always compare quotes with different options and read what others say about these companies. This helps you if searching cheap car insurance near your area in California, feel better when your drive car with good insurance coverage without spending too much money.
Best Cheapest Car Insurance in California in 2023
The best car insurance companies in California offer a good coverage, good customer service, and best prices. When choosing the best car insurance company for you in California, it’s important to consider factors such as coverage needs, budget, and any specific preferences you might have. Before finalized, reading customer reviews, comparing quotes, and researching each company’s offerings can help you make an informed decision that suits your individual requirements. Some of the top companies include:
- State Farm
- GEICO
- Mercury
- Allstate
- Farmers
- Wawanesa
- Mercury
- Auto Club of SoCal:
- Workmen’s Auto:
- USAA
Cheapest Car Insurance in California
As our latest analysis, Mercury offer cheapest car insurance in California, they offer for minimum coverage at an average yearly cost of $1,023, equivalent to around $85 per month. In contrast, the average annual cost for full coverage car insurance across California at approximately $1,659, and $138 per month.
In California, minimum coverage premiums average cost around $506 per year, but I’ve found that you can probably get cheaper insurance. For example, Geico offers for 35-year-old driver with a good driving history the lowest car insurance coverage with minimum coverage in California, averaging $207 per year.
Cheapest Car Insurance in California for 20 Year Old Drivers
Looking for cheap car insurance as a 20-year-old driver in California can be tough. Because the insurance companies consider the younger drivers as riskier. To find the Cheapest Car Insurance in California, think about what coverage you need and your driving history.
You can also try choosing a higher deductible, which is the amount you pay if there’s an accident. Even though it means paying more if something happens, it can lower your monthly costs.
Many insurance companies in California give discounts who have clean records, good grades, completed driving courses, or put safety devices in your car. It’s a best ways to check out different insurance companies quotes and get a coverage with lowest cost.
Cheapest Minimum Coverage Car Insurance
Drivers who want state minimum coverage in California with cheap rates then checkout below the lowest average rates with companies:-
| Insurance Company | Minimum Coverage Average Rates (Per Month) | Minimum Coverage Rates Average (Per Year) |
|---|---|---|
| GEICO | $33 | $394 |
| Auto Club of SoCal | $43 | $518 |
| State Farm | $46 | $549 |
| Travelers | $50 | $595 |
| Workmen’s Auto | $51 | $616 |
Read | Liability vs. Full Coverage Car Insurance
Cheapest Full Coverage Car Insurance
Get full coverage car insurance at cheap price in California, checkout the multiple quotes in below the table with average rate per month and yearly.
| Insurance Company | Full Coverage Average Rates (Per Month) | Full Coverage Average Rates (Per Year) |
|---|---|---|
| State Farm | $142 | $1,702 |
| GEICO | $150 | $1,799 |
| Mercury | $156 | $1,866 |
| Wawanesa | $159 | $1,909 |
| Auto Club of SoCal | $162 | $1,940 |
Cheapest Car Insurance in California with one speeding ticket
Looking for the most affordable car insurance in California with a single speeding ticket on your record? While a speeding ticket can impact your premium rates, there are still options to consider.
To find the cheap car insurance with one speeding ticket not easy task. Some companies might be more lenient with one minor violation.Here are the companies with the lowest average rates for minimum coverage:-
| Insurance Company | Minimum Coverage Average Rates (Per Month) | Minimum Coverage Average Rates (Per Year) |
|---|---|---|
| GEICO | $37 | $443 |
| Auto Club of SoCal | $58 | $691 |
| Workmen’s Auto | $66 | $795 |
| Travelers | $68 | $818 |
| Mercury | $68 | $820 |
Cheapest Car Insurance in California with one at-fault crash
Trying to find cheap car insurance in California after having one crash that was your fault? Even though the crash might make your insurance cost more, there are ways to look for better prices.
You should check different insurance companies quotes online to see who has the lowest prices. Some companies might still provide cheap rates even if you had one crash. Here are the companies with the lowest average rates for minimum coverage:-
| Insurance Company | Minimum Coverage Average Rates (Per Month) | Minimum Coverage Average Rates (Per Year) |
|---|---|---|
| GEICO | $45 | $543 |
| Auto Club of SoCal | $69 | $825 |
| Workmen’s Auto | $69 | $829 |
| Grange Insurance Association | $70 | $834 |
| Travelers | $76 | $910 |
Cheapest Car Insurance in California after a DUI
Looking for cheap car insurance in California after getting a DUI? Getting a DUI can make your insurance more expensive. Some companies are provide coverage who got a DUI, and they might have lower prices. Remember, after a DUI, your insurance can be more expensive, but comparing car insurance quotes can help you find the best and cheapest one. Here are the companies with the lowest average rates for minimum coverage:-
| Insurance Company | Minimum Coverage Average Rates (Per Month) | Minimum Coverage Average Rates (Per Year) |
|---|---|---|
| GEICO | $59 | $712 |
| National General | $76 | $912 |
| Mercury | $86 | $1,026 |
| Grange Insurance Association | $87 | $1,043 |
| Workmen,s Auto | $90 | $1,078 |
Cheapest Car Insurance in California for 30 Year Old Drivers
Are 30 Year Old Driver and trying to find cheap car insurance in California? You might have more choices and lower prices compared to younger drivers. Remember that your past driving records are affected your premium how much you pay. Also, if you drive safely and look for discounts, you could get a good deal on your insurance.
Cheapest Minimum Coverage Car Insurance
Drivers in California who looking for state’s minimum coverage rates can check with the following companies, which had the lowest average rates:
| Insurance Company | Minimum Coverage Average Rates( Per Month) | Minimum Coverage Average Rates( Per Year) |
|---|---|---|
| GEICO | $18 | $210 |
| Auto Club of SoCal | $25 | $296 |
| Workmen’s Auto | $28 | $340 |
| Mercury | $29 | $353 |
| Grange Insurance Association | $30 | $365 |
Cheapest Full Coverage Car Insurance
Drivers having clean driving records in California get the lowest rates for full coverage from top insurance companies:
| Insurance Company | Full Coverage Average Rates( Per Month) | Full Coverage Average Rates( Per Year) |
|---|---|---|
| Mercury | $85 | $1,023 |
| GEICO | $89 | $1,067 |
| Auto Club of SoCal | $95 | $1,138 |
| Workmen’s Auto | $101 | $1,211 |
| CIG | $105 | $1,263 |
Cheapest Car Insurance in California with one speeding ticket
If you got a speeding ticket in California recently and need insurance, I’ve got some info for you. Here are the companies in California that usually have the cheapest prices for minimum insurance, especially if you just want the minimum coverage required by law.
| Insurance Company | Minimum Coverage Average Rates( Per Month) | Minimum Coverage Average Rates( Per Year) |
|---|---|---|
| GEICO | $28 | $336 |
| Auto Club of SoCal | $32 | $390 |
| Workmen’s Auto | $36 | $435 |
| Mercury | $37 | $446 |
| Grange Insurance Association | $41 | $487 |
Cheapest Car Insurance in California with one at-fault crash
Are you 30 year old driver in California with one at-fault crash or accident and want insurance with lowest average rates for full coverage checkout below the table:
| Insurance Company | Full Coverage Average Rates( Per Month) | Full Coverage Average Rates( Per Year) |
|---|---|---|
| CIG | $135 | $1,623 |
| Auto Club of SoCal | $140 | $1,681 |
| Workmen’s Auto | $143 | $1,717 |
| Mercury | $146 | $1,756 |
| Grange Insurance Association | $157 | $1,885 |
Cheapest Car Insurance in California after a DUI
After a DUI finding cheap car insurance in California is not a easy task. We are compare car insurance quotes below table with their average rates for full coverage.
| Insurance Company | Full Coverage Average Rates( Per Month) | Full Coverage Average Rates( Per Year) |
|---|---|---|
| National General | $134 | $1,604 |
| Mercury | $140 | $1,676 |
| MetLife | $151 | $1,812 |
| Workmen’s Auto | $188 | $2,258 |
| Grange Insurance Association | $196 | $2,355 |
Read | Cheap Car Insurance for Young Drivers: Tips and Top Picks
Cheapest Car Insurance in California for 40 Year Old Drivers
Looking for the cheapest car insurance in California when you’re a 40-year-old driver? We’ve done the hard work for you. We found insurance choices that give you good coverage without costing too much. These options consider your age and experience, so you can drive with peace of mind. You’ll have affordable car insurance that’s just right for you as a mature driver in California.
Cheapest Minimum Coverage Car Insurance
Check out below the minimum coverage car insurance quotes with different companies in California and average rates.
| Insurance Company | Minimum Coverage Average Rates( Per Month) | Minimum Coverage Average Rates( Per Year) |
|---|---|---|
| GEICO | $17 | $206 |
| Auto Club of SoCal | $24 | $292 |
| Grange Insurance Association | $25 | $302 |
| Mercury | $29 | $347 |
| Workmen’s Auto | $29 | $350 |
Cheapest Full Coverage Car Insurance
Having clean driving records, and need full coverage car insurance in California check out below the tables with average rates.
| Insurance Company | Full Coverage Average Rates( Per Month) | Full Coverage Average Rates( Per Year) |
|---|---|---|
| Mercury | $83 | $997 |
| GEICO | $86 | $1,037 |
| Auto Club of SoCal | $89 | $1,069 |
| Grange Insurance Association | $98 | $1,171 |
| Workmen’s Auto | $99 | $1,185 |
Cheapest Car Insurance in California with one speeding ticket
Looking for the most affordable car insurance in California with a single speeding ticket on your record? While a speeding ticket can impact your premium rates, there are many companies with their average rates for minimum coverage as below:
| Insurance Company | Minimum Coverage Average Rates( Per Month) | Minimum Coverage Average Rates( Per Year) |
|---|---|---|
| GEICO | $28 | $330 |
| Auto Club of SoCal | $32 | $384 |
| Grange Insurance Association | $35 | $424 |
| Mercury | $37 | $439 |
| Workmen’s Auto | $37 | $449 |
Cheapest Car Insurance in California with one at-fault crash
Are you 40 year old driver in California with one at-fault crash or accident and want insurance with lowest average rates for full coverage checkout below the table:
| Insurance Company | Full Coverage Average Rates( Per Month) | Full Coverage Average Rates( Per Year) |
|---|---|---|
| CIG | $130 | $1,566 |
| Auto Club of SoCal | $132 | $1,582 |
| Grange Insurance Association | $137 | $1,642 |
| Workmen’s Auto | $140 | $1,678 |
| Mercury | $143 | $1,713 |
Cheapest Car Insurance in California after a DUI
After a DUI finding cheap car insurance in California is not a easy task. We are compare car insurance quotes below table with their average rates for full coverage.
| Insurance Company | Full Coverage Average Rates( Per Month) | Full Coverage Average Rates( Per Year) |
|---|---|---|
| National General | $127 | $1,527 |
| Mercury | $136 | $1,631 |
| MetLife | $144 | $1,734 |
| Grange Insurance Association | $171 | $2,053 |
| Workmen’s Auto | $184 | $2,205 |
Cheapest Car Insurance in California for 50 Year Old Drivers
If you’re a 50-year-old driver in California searching for the most affordable car insurance, your search just got easier. Here we are compare best insurance companies in 2023 that offer both cost-effective rates and good coverage. Taking advantage of your age and driving experience, we’ve pinpointed insurers that recognize your reduced risk, ensuring you get the protection you need without straining your budget.
Cheapest Minimum Coverage Car Insurance
Drivers who want state minimum coverage in California with cheap rates then checkout below the lowest average rates with companies:-
| Insurance Company | Minimum Coverage Average Rates( Per Month) | Minimum Coverage Average Rates( Per Year) |
|---|---|---|
| GEICO | $17 | $203 |
| Grange Insurance Association | $24 | $288 |
| Auto Club of SoCal | $24 | $293 |
| Mercury | $28 | $342 |
| Workmen’s Auto | $29 | $350 |
Cheapest Full Coverage Car Insurance
Get full coverage car insurance at cheap price in California, checkout the multiple quotes in below the table with average rate per month and yearly.
| Insurance Company | Full Coverage Average Rates( Per Month) | Full Coverage Average Rates( Per Year) |
|---|---|---|
| Mercury | $79 | $945 |
| GEICO | $84 | $1,013 |
| Auto Club of SoCal | $88 | $1,056 |
| 21st Century | $90 | $1,082 |
| Grange Insurance Association | $93 | $1,117 |
Cheapest Car Insurance in California with one speeding ticket
After 50 year old drivers want cheap car insurance in California with a single speeding ticket on your record? While a speeding ticket can impact your premium rates, there are many companies with their average rates for minimum coverage as below:
| Insurance Company | Minimum Coverage Average Rates( Per Month) | Minimum Coverage Average Rates( Per Year) |
|---|---|---|
| GEICO | $27 | $326 |
| Auto Club of SoCal | $32 | $385 |
| Grange Insurance Association | $34 | $410 |
| Mercury | $36 | $432 |
| Workmen’s Auto | $37 | $449 |
Cheapest Car Insurance in California with one at-fault crash
Are you 50 year old driver in California with one at-fault crash or accident and want insurance with lowest average rates for full coverage checkout below the table:
| Insurance Company | Full Coverage Average Rates( Per Month) | Full Coverage Average Rates( Per Year) |
|---|---|---|
| CIG | $125 | $1,504 |
| Auto Club of SoCal | $130 | $1,562 |
| Grange Insurance Association | $132 | $1,589 |
| Mercury | $135 | $1,625 |
| Workmen’s Auto | $140 | $1,678 |
Cheapest Car Insurance in California after a DUI
After a DUI finding cheap car insurance in California is not a easy task. We are compare car insurance quotes below table with their average rates for full coverage.
| Insurance Company | Full Coverage Average Rates( Per Month) | Full Coverage Average Rates( Per Year) |
|---|---|---|
| National General | $128 | $1,533 |
| Mercury | $129 | $1,545 |
| Grange Insurance Association | $165 | $1,985 |
| Workmen’s Auto | $184 | $2,205 |
| CIG | $193 | $2,317 |
Cheapest Car Insurance in California for 60 Year Old Drivers
For 60-year-old drivers looking for the most budget-friendly car insurance in California, the solution is at hand. Our dedicated efforts have uncovered the top choices that combine economical rates with comprehensive coverage.
Cheapest Minimum Coverage Car Insurance
Drivers who want state minimum coverage in California with cheap rates then checkout below the lowest average rates with companies:-
| Insurance Company | Minimum Coverage Average Rates( Per Month) | Minimum Coverage Average Rates( Per Year) |
|---|---|---|
| GEICO | $17 | $202 |
| Grange Insurance Association | $23 | $278 |
| Auto Club of SoCal | $25 | $305 |
| State Farm | $27 | $322 |
| Mercury | $30 | $356 |
Cheapest Full Coverage Car Insurance
Get full coverage car insurance at cheap price in California, checkout the multiple quotes in below the table with average rate per month and yearly.
| Insurance Company | Full Coverage Average Rates( Per Month) | Full Coverage Average Rates( Per Year) |
|---|---|---|
| Mercury | $80 | $955 |
| Auto Club of SoCal | $82 | $984 |
| GEICO | $83 | $995 |
| 21st Century | $85 | $1,020 |
| State Farm | $88 | $1,052 |
Cheapest Car Insurance in California with one speeding ticket
After 60 year old drivers want cheap car insurance in California with a single speeding ticket on your record? While a speeding ticket can impact your premium rates, there are many companies with their average rates for minimum coverage as below:
| Insurance Company | Minimum Coverage Average Rates( Per Month) | Minimum Coverage Average Rates( Per Year) |
|---|---|---|
| GEICO | $27 | $325 |
| Grange Insurance Association | $33 | $400 |
| Auto Club of SoCal | $34 | $402 |
| Mercury | $38 | $450 |
| Workmen’s Auto | $39 | $464 |
Cheapest Car Insurance in California with one at-fault crash
Are you 60 year old driver in California with one at-fault crash or accident and want insurance with lowest average rates for full coverage checkout below the table:
| Insurance Company | Full Coverage Average Rates( Per Month) | Full Coverage Average Rates( Per Year) |
|---|---|---|
| Auto Club of SoCal | $122 | $1,462 |
| CIG | $123 | $1,478 |
| Grange Insurance Association | $129 | $1,548 |
| Mercury | $137 | $1,647 |
| State Farm | $138 | $1,657 |
Cheapest Car Insurance in California after a DUI
After a DUI finding cheap car insurance in California is not a easy task. We are compare car insurance quotes below table with their average rates for full coverage.
| Insurance Company | Full Coverage Average Rates( Per Month) | Full Coverage Average Rates( Per Year) |
|---|---|---|
| National General | $123 | $1,478 |
| Mercury | $130 | $1,562 |
| Grange Insurance Association | $161 | $1,935 |
| CIG | $190 | $2,278 |
| Workmen’s Auto | $193 | $2,319 |
Cheapest Car Insurance in California for 70 Year Old Drivers
If you’re 70 years old and want cheap car insurance in California, you’re in the right place. We’ve found the best choices for you with low costs and good coverage. Because you’ve been driving for a long time, we’ve picked companies that know you’re less likely to have accidents. This means you can get the protection you need without spending too much money. Drive with confidence knowing you’ve got the least expensive car insurance made for experienced drivers in California.
Cheapest Minimum Coverage Car Insurance
Drivers who want state minimum coverage in California with cheap rates then checkout below the lowest average rates with companies:-
| Insurance Company | Minimum Coverage Average Rates( Per Month) | Minimum Coverage Average Rates( Per Year) |
|---|---|---|
| GEICO | $18 | $212 |
| Grange Insurance Association | $23 | $278 |
| State Farm | $25 | $296 |
| Auto Club of SoCal | $29 | $347 |
| Mercury | $32 | $389 |
Cheapest Full Coverage Car Insurance
Get full coverage car insurance at cheap price in California, checkout the multiple quotes in below the table with average rate per month and yearly.
| Insurance Company | Full Coverage Average Rates( Per Month) | Full Coverage Average Rates( Per Year) |
|---|---|---|
| State Farm | $81 | $969 |
| GEICO | $86 | $1,032 |
| Mercury | $89 | $1,065 |
| Grange Insurance Association | $90 | $1,077 |
| Auto Club of SoCal | $90 | $1,083 |
Cheapest Car Insurance in California with one speeding ticket
After 70 year old drivers want cheap car insurance in California with a single speeding ticket on your record? While a speeding ticket can impact your premium rates, there are many companies with their average rates for minimum coverage as below:
| Insurance Company | Minimum Coverage Average Rates( Per Month) | Minimum Coverage Average Rates( Per Year) |
|---|---|---|
| GIECO | $28 | $340 |
| Grange Insurance Association | $33 | $400 |
| Auto Club of SoCal | $38 | $458 |
| State Farm | $39 | $470 |
| Mercury | $41 | $495 |
Cheapest Car Insurance in California with one at-fault crash
Are you 70 year old driver in California with one at-fault crash or accident and want insurance with lowest average rates for full coverage checkout below the table:
| Insurance Company | Full Coverage Average Rates( Per Month) | Full Coverage Average Rates( Per Year) |
|---|---|---|
| State Farm | $128 | $1,530 |
| Grange Insurance Association | $129 | $1,548 |
| Auto Club of SoCal | $135 | $1,619 |
| CIG | $140 | $1,678 |
| Mercury | $153 | $1,834 |
Cheapest Car Insurance in California after a DUI
After a DUI finding cheap car insurance in California is not a easy task. We are compare car insurance quotes below table with their average rates for full coverage.
| Insurance Company | Full Coverage Average Rates( Per Month) | Full Coverage Average Rates( Per Year) |
|---|---|---|
| National General | $135 | $1,625 |
| Mercury | $145 | $1,740 |
| Grange Insurance Association | $161 | $1,935 |
| Workmen’s Auto | $211 | $2,530 |
| CIG | $216 | $2,587 |
Cheapest Car Insurance in California for Military Families
If you’re in the military or a veteran, or if someone in your family is, you might find cheaper car insurance from USAA. But this company is only for these special groups and not for everyone. That’s why it’s not included in the Top rankings. Still, out of 70 different driver situations we checked, USAA was the cheapest in 40 cases.
What are Minimum Car Insurance Required in California
If you are living in California or working as a driver so you must carry minimum car insurance with following amount:-
- $15,000 bodily injury liability per person.
- $30,000 bodily injury liability per accident.
- $5,000 property damage liability per accident.
Liability car insurance cover the expenses of damage, injuries, or even deaths that happen because of a car accident caused by you. This coverage goes up to the limits set in your insurance policy. We recommended to get additional coverage than just the basic requirement. This way, you won’t have to use your own money to pay for things if something goes wrong.
For example :- The minimum amount for property damage coverage is $5,000. If you have an accident and the other driver’s car gets seriously damaged, the cost to fix it could be more than $5,000. In this case, you’d have to cover the extra money from your own pocket.
Read | Car Insurance Tips: Expert Advice for Buying, Saving Money, and More
What are Car Insurance Laws in California?
California’s insurance laws are good for everyone. This happened because of something called Proposition 103. In 1988, the voters agreed to it, and it made insurance companies lower their prices by 20%. This rule also said that the state’s insurance department has to agree before insurance rates go up. There are more rules like these explained below, and many come from Proposition 103, but not every single one.
- Car insurance pricing :- In California is only state there any insurance companies can not determine the premium cost using customer credit score.
- Car Body Repair Claims :- After a car accident, California’s insurance laws give you a rights to customers, when it comes to car body repairs. These include:
- You can choose your own car repairing shop and get your own estimates for the damage while your claim is being processed.
- You have the right to get a detailed list of the repairs that were done. This list should say if the parts used are new, used, or rebuilt. It should also tell you if the parts are aftermarket or the same as the original manufacturer’s parts.
- If the repair shop uses aftermarket parts, the insurance company must promise that these parts are just as good as the original parts in terms of quality, safety, fit, and performance.
- You deserve clear information about towing and where your car is stored. You should also know if your insurance covers a rental car while yours is being fixed.
FAQs
How much minimum car insurance required in California?
California drivers, must carry at least $15,000 of bodily injury liability per person, $30,000 of bodily injury liability per accident, and $5,000 of property damage liability.
What happens if you get caught driving without insurance in California?
If you drive in California without insurance and you get caught, you might have to pay a fine of $100 to $200 the first time. They could also take your car away for a while (impound it), and you’d need to pay more money along with the first fine.
