Cheapest California Auto Insurance Providers [2023]
Mercury, AAA, and GEICO provide cheap auto insurance in California. In specific parts of California, you can also get affordable car insurance rates from Progressive. California auto insurance is about $88 a month on average. But some auto insurance companies have higher than average rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Jun 28, 2022
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 28, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average cost of California auto insurance is $88 a month
- Young drivers pay more for auto insurance in California
- USAA is the best auto insurance company for military veterans
Did you know you can get cheap California car insurance without disclosing your credit or gender? You can get cheap auto insurance in California based on multiple factors.
But which factors provide affordable California car insurance? And how much is car insurance in California per month Don’t worry. We’ll answer your questions in this article.
This guide explores the average California auto insurance rates, which companies have the most affordable rates in California, and what factors provide cheap auto insurance quotes in California.
Continue reading to learn more about cheap auto insurance in California. Enter your ZIP code in the free online quote tool above to compare multiple insurance companies in your area.
Where can you get cheap auto insurance rates in California?
The average cost of car insurance in California is $88 per month, but you can get cheap car insurance in California if you choose the right company.
Let’s review estimated rates from cheap auto insurance companies in California based on liability-only coverage.
| Companies | Monthly Auto Insurance Rates |
|---|---|
| Geico | $33 |
| AAA NorCal | $38 |
| Progressive | $40 |
| Mercury | $46 |
| State Farm | $52 |
| AAA SoCal | $52 |
| Allstate | $63 |
| Farmers | $80 |
Geico provides the most affordable liability insurance in California, followed by AAA and Progressive. By contrast, Allstate and Farmers have the most expensive liability coverage rates.
How much are full coverage auto insurance rates in California?
Although liability-only insurance is cheaper, it doesn’t provide extensive coverage like full coverage car insurance. More coverage also means more costly rates.
Let’s see which auto insurance companies are the cheapest in California.
| Companies | Monthly Auto Insurance Rates |
|---|---|
| Mercury | $144 |
| Geico | $146 |
| Progressive | $154 |
| AAA NorCal | $179 |
| State Farm | $192 |
| Farmers | $201 |
| Allstate | $203 |
| AAA SoCal | $213 |
Mercury car insurance is the most affordable company in California. Geico is the second cheapest company in California. Allstate and AAA are the most expensive auto insurance companies in California.
What are the minimum auto insurance requirements in California?
California’s auto insurance requirement is straightforward, and they’re lower than those of most states in America. Here are California’s requirements.
- $15,000 for bodily injury of one person per accident
- $30,000 for bodily injury of multiple people per accident
- $5,000 for property damage per accident
Auto insurance companies in California may recommend that you raise your coverage limits to prevent a situation where you’re underinsured.
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Does age impact cheap auto insurance quotes in California?
Yes, it does. Age is a determining factor that helps companies estimate the driving experience and the risk of the driver. Younger drivers tend to take more risks than older drivers.
The age range with the highest car insurance claims includes drivers between 16 and 24.
But what is the average rate for drivers in California? Let’s examine the latest estimates.
- 20-year-old drivers – $165/month
- 30-year-old drivers – $114/month
- 40-year-old drivers – $107/month
- 50-year-old drivers – $106/month
- 60-year-old drivers – $108/month
Teen drivers pay at least three times more for auto insurance. Meanwhile, senior drivers pay significantly less.
The cheapest companies by age are State Farm, Wawanesa, Esurance, Geico, and National General.
Can I buy cheap auto insurance in California with a driving violation?
California car insurance companies provide affordable rates, but a traffic infraction can make insurance rates more expensive.
Here are a few examples of how traffic violations impact affordable auto insurance in California.
| Traffic Violations | Monthly Auto Insurance Rates |
|---|---|
| Not-at-Fault Accident | $156 |
| Driving with Expired Registration | $161 |
| Failure to Show Documents | $161 |
| Failure to Wear a Seat Belt | $167 |
| Driving Without Lights | $167 |
| Failure to Use Child Safety Restraint | $176 |
| Speeding | $219 |
| Passing a School Bus | $221 |
| Improper Passing | $221 |
| Following Too Closely | $221 |
| Failure to Stop at a Red Light | $221 |
| Illegal Turn | $221 |
| Failure to Yield | $221 |
| Speeding in a School Zone | $222 |
| Driving Too Slowly | $222 |
| Distracted Driving | $223 |
| Driving with an Open Container | $229 |
| Driving Wrong Way/Wrong Lane | $252 |
| At-Fault Accident | $273 |
| Operating a Vehicle Without Permission | $289 |
| Driving with a Suspended License | $401 |
| Refused Breathalyzer/Chemical Test | $411 |
| DUI | $411 |
| Racing | $411 |
| Hit and Run | $420 |
| Reckless Driving | $420 |
Not-at-fault accidents generate the cheapest increase for California drivers. However, hit-and-run incidents, DUI convictions, and reckless driving can drive up your rates by hundreds of dollars per year.
Which factors aren’t included in cheap auto insurance rates in California?
California is one of many states that have outlawed credit and gender-based car insurance rates. But an insurance company may look at your insurance history to determine your risk level.
Which city has the cheapest auto insurance rates in California?
California cities with affordable rates have fewer risks of car insurance claims. But these cities are still more expensive than average.
Let’s examine how much you could pay in cities with the cheapest auto insurance rates.
| Cities | Average Monthly Rates |
|---|---|
| Mount Shasta | $132 |
| Weed | $139 |
| Etna | $139 |
| Dunsmuir | $141 |
| Yreka | $141 |
| Montague | $141 |
| San Ardo | $142 |
| Rough and Ready | $142 |
| Red Bluff | $142 |
| Greenview | $143 |
You could pay up to $65 more than the national average, even in California’s most affordable cities. Mount Shasta is the cheapest city in California for car insurance.
Which California cities have the most expensive auto insurance rates?
The most expensive cities in California have car insurance rates that are nearly four times the average cost of insurance.
But which cities are massively expensive? Let’s review the results below.
| Cities | Average Monthly Rates |
|---|---|
| Reseda | $259 |
| Panorama City | $264 |
| Glendale | $265 |
| Encino | $267 |
| Valley Village | $268 |
| North Hollywood | $269 |
| Van Nuys | $272 |
| West Hollywood | $279 |
| Tarzana | $279 |
| Beverly Hills | $290 |
Beverly Hills is known for its luxury real estate, but it’s also known for its high risk for auto insurance. Therefore, car insurance rates in Beverly Hills, North Hollywood, and other cities in the table are more expensive.
What is the cheapest auto insurance company for military veterans in California?
USAA is the best company for military veterans and their immediate families. USAA car insurance is also known for its low prices and discounts.
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How do I enroll in California’s low-cost auto insurance program?
If you can’t afford car insurance from an insurance company in California, you can enroll in the state-sponsored insurance program.
California’s low-income auto insurance option allows drivers to get coverage through the state. However, low-cost car insurance in California has limits.
This means you won’t have the same coverage as voluntary car insurance.
Cheap Auto Insurance in California: The Bottom Line
California car insurance is cheaper than most states in America. You can get cheap insurance if you maintain a clean driving record.
Gender and credit history won’t impact your auto insurance rates. But where you live affects your rates.
Now that you know which cities have cheap auto insurance in California, use our free comparison tool below to compare multiple insurance companies in your area.
Frequently Asked Questions: Cheap Auto Insurance in California
Do you want to learn about affordable car insurance in California? Check out these answers to frequently asked questions to learn more details.
#1 – What’s the average cost of auto insurance in California?
On average, California car insurance is $88 a month.
#2 – Is Geico the cheapest auto insurance company in California?
No, it isn’t. Mercury and AAA provide competitive prices that are close to Geico’s monthly rates.
#3 – Will my auto insurance be cheaper if I drive less?
Yes, it will. Driving fewer miles during your policy reduces the risk of filing a claim.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.