How Much are California Auto Insurance Quotes?

This would be a quick read if we could simply give you the name of the one best company that has the most affordable coverage in California. It’s not quite that easy, unfortunately, as there are a whole bunch of unknown aspects such as if you have ever let your policy lapse, your choice of physical damage deductibles, and when you were born, that all impact the cost of coverage. We will try to teach you about the best ways to avoid paying too much and should give you a solid foundation to find cheaper car insurance in California.

Determining which company has the cheapest car insurance rates in California may require a bit more work than just comparing a company or two.

Each auto insurance company has their own formula for setting rates, so to begin we’ll rank the most competitive car insurance companies in California. It’s important that you understand California car insurance rates are impacted by many things that may substantially change the cost of having a policy. Improving your credit score, moving to a different location, or getting a speeding ticket can cause premium changes resulting in some rates now being cheaper than competitors.

Best Cheap Insurance Rates in California

Click to Compare Rates Now

google.charts.setOnLoadCallback(drawCAT5qcibChart);function drawCAT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 1109, ‘#FF9333’], [‘Wawanesa’, 1181, ‘#D47A2A’], [‘CSAA’, 1186, ‘#B06523’], [‘Nationwide’, 1226, ‘#92541D’], [‘Century National’, 1226, ‘#794618’]]);var options = {title: ‘Low-Cost Car Insurance Companies in California’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1326,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

USAA normally has some of the best car insurance rates in California at around $1,109 per year. Wawanesa, CSAA, Nationwide, and Century National also are some of the more affordable California auto insurance companies.

In the above example, if you are a customer of Wawanesa and switched to USAA, you might see a yearly price reduction of roughly $72. Insureds with CSAA may save as much as $77 a year, and Nationwide customers might realize rate reductions of up to $117 a year.

These premiums are averages across all drivers and vehicles and and are not figured with a price discount in California. So the company that can offer you the best price may not even be in the above rate chart. That underscores the importance of why you need to compare as many prices as possible using your own specific driver information and vehicle.

The vehicle you are buying coverage for is a significant factor when comparing quotes for cheap California auto insurance quotes. Vehicles with more horsepower, poor safety features, or high incidents of liability claims will cost substantially more to insure than safer, lower-performance models.

The lists below presents car insurance rates for a handful of the most cost-effective automobiles to insure.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium amounts do not factor in vehicle location which can decrease or increase coverage prices considerably.

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Information does not factor in zip code location which can raise or lower prices greatly.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rates do not factor in vehicle garaging location which can increase or decrease coverage rates considerably.

For drivers in California, one of the largest criteria that control insurance cost is the neighborhood you call home in California. Cities with larger populations or higher claim trends like Glendale, San Francisco, and Sacramento tend to pay slightly more, whereas areas with less people or fewer weather incidents have the benefit of cheap California auto insurance quotes.

The following table rates the more expensive cities in California to purchase a policy in.

Premium costs are estimated as zip code location can modify premium rates greatly.

Irresponsible driving raises your rates

The ideal way to obtain the most affordable car insurance prices for drivers in California is to be an attentive driver and avoid traffic citations and accidents. The chart below illustrates how traffic citations and at-fault claims can impact annual premium costs for different age groups of insureds. The rates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 4097,4991,8511],[‘Age 30’, 2109,3005,6525],[‘Age 40’, 2045,2939,6457],[‘Age 50’, 1877,2771,6291],[‘Age 60’, 1843,2739,6257],[‘Age 70’, 2157,3053,6571]]);var options = {title: ‘Impact of Citations and Accidents on California Auto Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in California’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of a car insurance policy in California per year with no accidents and a clean driving record is $2,355. Receive two speeding tickets and the average cost surges to $3,250, an increase of $895 each year. Then add in two accidents along with the two speeding tickets and the annual cost of car insurance in California jumps again to an average of $6,769. That’s an increase of $4,414, or $368 per month, just for being a little careless behind the wheel!

Cheapest car insurance: State Farm, Allstate, Geico, or Progressive

If you’re looking for the cheapest auto insurance, four companies to consider are State Farm, Allstate, Geico, and Progressive. Between them, they insure over 48% of the entire U.S. car insurance market. The table below breaks down some of the different options and features shoppers can find with each company.