CAR INSURANCE IN CALIFORNIA

Best Ways To Get CAR Insurance In California

Auto Insurance is a requirement for California drivers and price is to be put into consideration when purchasing insurance. The state of California requires her drivers to purchase the state-required minimum amount of car insurance.

With tons of auto insurance providers to choose from, it can be tasking on where to get the insurance coverage at the best rates. You can obtain several quotes and compare to know which insurance is pocket friendly for you.

From our findings, Geico, State Farm, Progressive, Mercury and Wawanesa offer some of the best car insurance in California in terms of price, customer service, coverages and discounts.

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Geico

Geico offers some of the lowest average premiums in the United States. They are the second-largest insurance provider in the county. If you prefer to handle your insurance digitally, Geico could just be the right option for you as it has the highest rated digital service platform in the country(according to J.D Power U.S. Insurance Digital Experience Study,2021) and it is rated A++(Superior), the highest financial strength rating available by AM Best.

State Farm

State Farm is the largest U.S. auto insurance company and has local agents in almost every city in California. State Farm’s good student discount can help you save money on your premium if you have a teenage driver in your household. It also has an A++ (Superior) financial strength rating from AM Best, meaning that the carrier is likely to be able to handle a large influx of claims.

Progressive

If you plan to get your car insurance quote and buy your policy online, Progressive might be a good option. It has excellent customer service and it has a great system for obtaining car insurance quotes online. 

The progressive insurance company is the third-largest U.S. auto insurer and they offer discounts for online quotes and purchases Progressive’s digital tools could save you time managing your account and filing claims. The Name Your Price tool allows you to input your car insurance budget and then populate coverage options that fit your financial picture. 

The company carries an A+ (Superior) financial strength rating from AM Best.

Mercury

Mercury, with headquarters in Los Angeles, is a California-based insurance company. The company’s average annual full coverage premium for car insurance is one of the lowest on the list of best providers. Mercury’s discount opportunities and coverage options for its auto policies are consistent with other carriers, but they do offer rideshare insurance for drivers who work for transportation providers like Uber. However, the company is fiscally strong and is rated A (Excellent) by AM Best.

Wawanesa

Wawanesa writes car insurance in California and Oregon alone but offers great service.. The company carries an A+ (Superior) financial strength rating from AM Best.

Unlike some other states, California law does not allow factors like credit score, age or gender to determine rates. Nonetheless, other factors like driving record, vehicle type, previous coverage, marital status and miles driven affect how much you would pay for coverage.

Minimum Car Liability Insurance Requirements 

While in the US, you are legally required to buy liability insurance that covers damage you cause to the other vehicle, driver, and passengers. If you lease your car, your lender would probably require comprehensive collision coverage. 

California law provides affordable low-cost liability insurance for drivers within a specific income range. Uninsured motorist and underinsured motorist coverage are also included in the Liability Insurance. Below are California’s minimum auto insurance requirements;

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

 This coverage protects you when an at-fault driver hits you, and they don’t have coverage or do not have enough coverage for the damage. The table below explains the types of liability coverage.

Types of liability coverageDefinition
Bodily injury (BI)The injury you cause to others, includes medical expenses, lost wages, and funeral expenses
Property damage (PD)The damage you cause to others’ vehicles or property
Uninsured motorist (UM)Protects you when an at-fault driver hits you with no insurance
Underinsured motorist (UIM)Protects you when an at-fault driver hits you with not enough coverage

Some Insurance Companies And Their Average Annual Rate

The average cost of car insurance in California is higher compared to many other states in the US. However, it’s still possible to get affordable insurance for your vehicle. The table below will guide you in choosing the best options.

COMPANY AVERAGE ANNUAL RATE
Progressive $1,296
Geico $1,347
USAA $1,463
Mercury Insurance $1,470
Allstate $1.716
Statewide Average $1,780
Travelers $1,890
Farmers $2,054
State Farm $2,070
Alliance United $2,184
Nationwide $2,309

Minimum Car Insurance In Califonia

Geico has the lowest average annual minimum car insurance while Nationwide has the highest.

COMPANYAVERAGE ANNUAL RATE
Geico$1,159
Progressive$1,167
Mercury Insurance$1,246
USAA$1,304
Statewide Average$1,570
Allstate$1,594
Travellers$1,621
State Farm$1,809
Alliance United$1,863
Farmers$1,906
Nationwide$2,032

High Coverage Car Insurance in California

Progressive ranks the least and Nationwide the highest on the list with a difference of nearly $1,100.

COMPANYAVERAGE ANNUAL RATE
Progressive$1,373
Geico$1,458
USAA$1,539
Mercury Insurance$1,567
Allstate$1,793
Statewide Average$1,887
Travelers$2,018
Farmers$2,161
State Farm$2,227
Alliance United$2,273
Nationwide$2,466

 

Rates For Good Drivers In California

 

COMPANYAVERAGE ANNUAL RATE
Progressive$1,296
Geico$1,347
USAA$1,463
Mercury Insurance$1,470
Allstate$1,716
Statewide Average$1,780
Travelers$1,890
Farmers$2,054
State Farm$2,070
Alliance United$2,184
Nationwide$2,309

Rates for Teen Drivers In California

COMPANY17-YEAR-OLD FEMALES17-YEAR-OLD MALES
Alliance United$6,006$6,006
Allstate$4,610$4,610
Farmers$4,843$4,843
Geico$3,769$3,769
Mercury Insurance$3,785$3,785
Nationwide$7,731$7,731
Progressive$4,375$4,375
State Farm$3,959$3,959
Travelers$3,920$3,920
USAA$3,690$3,690
Statewide Average$4,669$4,669

Rates for teens are always higher than that of other age brackets because of their inexperience behind the wheels. USAA is the least expensive while Nationwide ranks the highest on the table.

 

Rates for Young Adults In California

COMPANY25-YEAR-OLD FEMALES25-YEAR-OLD MALES
Alliance United$2,620$2,620
Allstate$2,016$2,016
Farmers$2,359$2,359
Geico$1,630$1,630
Mercury Insurance$1,851$1,851
Nationwide$2,808$2,808
Progressive$1,664$1,664
State Farm$2,376$2,376
Travelers$2,212$2,212
USAA$1,840$1,738
Statewide Average$2,138$2,127

Rates for Seniors In California

 

COMPANY60-YEAR-OLD FEMALES60-YEAR-OLD MALES
Alliance United$2,091$2,091
Allstate$1,444$1,444
Farmers$1,864$1,864
Geico$1,178$1,178
Mercury Insurance$1,232$1,232
Nationwide$1,922$1,922
Progressive$1,081$1,081
State Farm$1,769$1,769
Travelers$1,654$1,654
USAA$1,281$1,284
Statewide Average$1,552$1,552

There is little or no difference between males and females in this age group. while Alliance United offer the highest premiums, Progressive offer the least.

California Rates After a Speeding Ticket

COMPANYAVERAGE ANNUAL RATE
USAA$1,602
Mercury Insurance$1,937
Geico$1,991
Progressive$2,471
Allstate$2,488
Statewide Average$2,531
Travelers$2,810
Farmers$2,830
Alliance United$2,881
State Farm$3,024
Nationwide$3,271

 

California Rates After an Accident

COMPANYAVERAGE ANNUAL RATE
Geico$2,224
Mercury Insurance$2,546
USAA$2,551
Progressive$2,658
Travelers$3,104
Statewide Average$3,136
State Farm$3,162
Allstate$3,188
Farmers$3,537
Nationwide$3,645
Alliance United$4,745

The data shows that Alliance United has the highest rate and Geico has the lowest rate.

California Rates After a DUI

COMPANYAVERAGE ANNUAL RATE
Mercury Insurance$2,423
Progressive$3,074
Geico$3,155
Farmers$3,537
Travelers$3,918
USAA$4,181
Statewide Average$4,251
Alliance United$4,745
Allstate$5,581
Nationwide$5,600
State Farm$6,302

Drinking under the influence of alcohol is dangerous as it increases your potential of being involved in an accident, harming you or someone else and it can double your insurance bill.

In Summary

The best way to get the best car insurance is by getting information on the rates and quotes that different auto insurance companies offer and comparing them. Then you would be able to decide which is best for you.

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