Who Has Cheap Auto Insurance for State Employees in California?

Finding out which companies quote the cheapest auto insurance rates for state employees may require a tad more effort in order to find the best policy.

Every car insurance company uses a slightly different approach to set premium rates, so to begin we’ll rank the auto insurance companies with the overall best prices in California.

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USAA generally has some of the most affordable car insurance rates in California at around $1,143 a year. Wawanesa, CSAA, Nationwide, and Century National would also make the list of some of the cheaper California auto insurance companies.

As shown in the rates above, if you have coverage with CSAA and switched to USAA, you might achieve an annual savings of around $55. Policyholders with Nationwide might save as much as $70 a year, and Century National customers might see rate reductions of $71 a year.

If you want to find out if you’re overpaying, click here to begin a quote or visit any of the companies below.

Bear in mind that those prices are averaged across all types of insureds and vehicles and do not factor in a price decrease for state employees. So the auto insurance company that has the cheapest price for you may not even be featured in the rate chart shown above. That underscores the importance of why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

The vehicle model you are buying coverage for is a significant factor when consumers are trying to find the cheapest auto insurance for state employees. Vehicles with lower acceleration and performance, a plethora of safety features, or a low likelihood of having liability claims will cost much less to insure than fast, unsafe models. The next list outlines car insurance rates for a number of the most budget-friendly automobiles to buy insurance for.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate quotes do not factor in California location which can increase or decrease coverage rates considerably.

Looking at the data, we can assume that cars like the Honda Accord, Ford Escape, Toyota Prius, Honda CR-V, and Volkswagen Jetta are most likely going to be the most affordable vehicles to insure for state workers.

When shopping for cheaper car insurance for state workers, one of the many factors that aid in calculating insurance cost is where you call home in California. Areas with increased crime or more people like Los Angeles, Oakland, and Sacramento tend to have higher rates, whereas areas that are not as densely populated have the luxury of lower rates.

The next table sorts the priciest cities in California for state employees to buy auto insurance in.

Premium costs are approximated as specific California zip code can alter rates substantially.

Allstate, State Farm, Progressive, and Geico: Who is best?

When comparing car insurance, four companies you’ll want quotes from are Allstate, State Farm, Progressive, and Geico. Between them, they insure over 45% of the entire U.S. auto insurance market. They all have the same basic coverages, but each one has slightly different coverages and options that shoppers can select from. The table below ranks price, claims, and customer service ratings, as well as some optional coverages shoppers can find with each company.