Finding Affordable Auto Insurance In California

California is one of the most expensive states for car insurance, with quotes up to 24% higher than the national average. The average cost of car insurance in California is $1,782 per year, but this varies depending on factors such as age, driving history, and location. The cheapest car insurance in California for minimum coverage is offered by Geico, at $239 per year, while the cheapest full coverage is offered by Progressive, at $1,187 per year.

Cheapest car insurance in California for minimum coverage

The cost of car insurance varies depending on factors such as age, driving history, location, and vehicle type. The average cost of minimum coverage in California is $452 per year, or $38 per month.

According to NerdWallet, the cheapest car insurance in California for minimum coverage is Geico, at $239 per year, or $20 per month. Grange Insurance Association is another cheap option for minimum coverage, with rates based on a 35-year-old driver with good credit and a clean driving history.

Cheapest car insurance in California for full coverage

For full coverage, Auto Club of SoCal offers the cheapest rates in California, with an average rate of $1,187 per year, according to NerdWallet. Full coverage in California costs an average of $1,656 per year, or $138 per month.

Cheapest car insurance in California for full coverage

California is one of the most expensive states for car insurance, with quotes up to 24% higher than the national average. The average car insurance rate in California is $1,782 per year, while the national average is $1,543.

The cheapest full-coverage car insurance in California is offered by the Auto Club of SoCal, with an average rate of $1,187 per year, according to NerdWallet's September 2024 analysis. Full coverage in California costs an average of $1,656 per year, or $138 per month.

According to U.S. News, Wawanesa General offers the lowest average annual auto insurance premium for California drivers at $1,214. Wawanesa General also has the best rates for drivers in several other categories, including teen drivers, senior drivers, and drivers looking for high-coverage policies.

For married 35-year-old adults in California, the average car insurance rate is $1,652 annually. Wawanesa General offers the cheapest rate, averaging $1,116 per year for both female and male drivers.

USAA offers the cheapest rates for drivers with a speeding ticket, accident, or DUI on their record. However, USAA is only available to military members, veterans, and their families.

California's Low-Cost Auto Insurance Program offers affordable rates for income-eligible drivers. To be eligible, you must have a current California driver's license, a vehicle worth $25,000 or less, and meet the income requirements.

Cheapest car insurance in California for drivers with prior incidents

California is one of the most expensive states for car insurance, with quotes up to 24% higher than the national average. The average cost of full coverage in California is $3,040 per year or $253 per month. The cheapest car insurance in California for drivers with prior incidents will depend on the type of incident and the company.

Speeding Ticket

According to Bankrate, the average annual rate for a driver with a single speeding ticket conviction in California is $889 for minimum insurance and $3,670 for full coverage. USAA offers the most favourable rates for drivers with a speeding ticket at $1,658 per year.

At-Fault Accident

The average rate for drivers with an at-fault accident in California is $4,456 for full coverage and $1,106 for minimum coverage. Geico offers the cheapest car insurance in California for drivers with an at-fault accident, with an average rate of $2,205 per year.

DUI

The average rate for drivers with a DUI in California is $6,554 for full coverage and $1,604 for minimum coverage. Mercury Insurance offers the best rates for California drivers with a DUI on their record at $1,783 per year.

Cheapest car insurance for young drivers in California

California is one of the most expensive states for car insurance, with quotes up to 24% higher than the national average. The average annual premium for drivers in California is $1,782.

The cheapest car insurance for new drivers is provided by State Farm, according to our rate data. Here’s a look at our top five auto insurers for new drivers:

• Travelers
• Progressive
• Geico
• USAA
• Erie Insurance

USAA is only available for military members, veterans, and their families.

The cheapest car insurance for young drivers in California is provided by Wawanesa General, according to our research. Its sample rate for drivers with a clean driving record is $1,214 per year. This is compared to the statewide annual average of $1,782 and to the state’s highest average rate of $2,683 with Nationwide.

Wawanesa General also has the best rates for drivers in six other categories we analyzed, including teen drivers, senior drivers, and drivers looking for high-coverage policies.

The average car insurance rate for high coverage in California is $1,883 per year. With an average annual cost of $1,324, Wawanesa General is the cheapest insurer for high coverage.

For married 35-year-old adults in California, the average car insurance rate for both females and males is $1,652 annually. Wawanesa General and Nationwide are the cheapest and most expensive options, respectively, with Wawanesa General averaging $1,116 per year for both female and male drivers and Nationwide averaging $2,552.

California’s car insurance rates average $1,546 per year for married 60-year-old male and female drivers. Wawanesa General offers the lowest average annual rate of $1,021, while Nationwide’s sample rate is the most expensive in our study at $2,185 per year.

California’s rate for motorists with a clean driving record averages $1,782 per year. The cheapest and most expensive insurance companies for drivers in this category are Wawanesa General and Nationwide, respectively. Wawanesa General’s average rate is $1,214 annually, and Nationwide’s is $2,683.

If you have a speeding ticket on your record, your insurance costs are likely to increase. In California, USAA offers the most favorable rates for drivers with a speeding ticket at $1,658 per year. USAA is only available to military members, veterans, and their families.

With one accident on your record, the annual car insurance rate in California increases to an average of $2,910. USAA’s average of $2,086 and Nationwide’s average of $4,187 are the cheapest and most expensive annual rates in this category, respectively.

Being convicted of a DUI in California is also likely to cause your insurance rates to rise. National General offers the best rates for California drivers with a DUI on their record at $1,783 per year. This is significantly less than the statewide annual average of $4,381.

Cheapest car insurance rates by city in California

The cost of car insurance varies across California, with drivers in San Diego paying the lowest average rate of $1,710 per year, and those in Los Angeles paying the highest average annual rate of $2,576.

The cheapest car insurance in California is offered by Geico, at $239 per year, or $20 per month, according to NerdWallet's September 2024 analysis of average minimum coverage rates. The average cost of minimum coverage in California is $452 per year, or about $38 per month.

Wawanesa General is another cheap option, offering the lowest average annual auto insurance premium for California drivers at $1,214.

USAA is also worth considering, as it is the cheapest option for drivers with a speeding ticket on their record, at $1,658 per year.

Auto Club of SoCal offers the cheapest full coverage in California, with an average rate of $1,187 per year.

Frequently asked questions