BEST AUTO INSURANCE RATES IN CALIFORNIA

Auto insurance rates in California tend to be among the more expensive half of the nation, but not all rates have to be high. Our team of analysts analyzed cost data to provide drivers in California with information in their search for car insurance quotes and the cheapest companies.

Our analysis found that depending on where you live, the cost of insuring a car can range quite widely from company to company. This is why to get low rates, consumers should shop around and compare quotes.

 

Enter quote for great auto insurance rates among top U.S. insurers in your area, or read more of our study.

How We Conducted This Study

We collected quotes from a variety of insurance companies across 142 towns and cities in California. Our sample driver was a 30 year old female who drove a 2016 Toyota Corolla. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a clean driving record. The only parameter that changed was the zip code where he lived in California. The amount of coverage we opted for gave our driver bit more than what is required of state minimums. 

Cheapest Auto Insurance in California

We averaged rates for single 30 year old female, with a clean driving record across 142 cities in California to arrive at annual premiums by company. Here are the top ten car insurance companies with the best rates in the Golden State, in order from lowest to highest.

Auto Insurance in California: Minimum Coverage Requirements

California requires that car insurance policies have at least bodily injury liability and property damage liability coverages of the limits below:

  • Bodily Injury (BI): $15,000 per person / $30,000 per accident

  • Property Damage (PD): $5,000 per accident

While the above is the lowest amount of insurance coverage you can have, you should consider adding more if you have more to lose. For example, we typically advise drivers to match their liability coverage to what they have in total assets. If you own a house and have bank accounts to match, we'd recommend you increase your liability limits to the max, and add umbrella coverage on top. If you're a student, or just starting out in university, your limits may be closer to the minimum. In a serious traffic accident, your insurer will pay others up to the policy limits, and then any extra dollar of hospital care for injuries or auto body shop bills will be your responsibility.

Average Cost of Car Insurance in California

How much do people pay on average for car insurance in California? Based on our data, that figure is $1,527. This takes into account sample rates multiple companies in 142 cities throughout the state.  

Rank      City

 

1 Lompoc

2 Hanford

3 Encinitas

4 Chula Vista

5 La Mesa

6 Santa Clara

7 Calexico

8 Mission Viejo

9 South San Francisco

10 Porterville

11 Aliso Viejo

12 Oakland

13 El Cajon

14 Laguna Niguel

15 Pomona

16 Escondido

17 San Bruno

18 Tracy

19 Murrieta

20 National City

21 Indio

22 Sylmar

23 Van Nuys

24 Yorba Linda

25 Gilroy

26 Newbury Park

27 Walnut

28 Cupertino

29 Stockton

30 Sacramento

31 Lake Forest

32 Campbell

33 San Rafael

34 Livermore

35 Costa Mesa

36 Ontario

37 Tulare

38 Napa

39 Bakersfield

40 Union City

41 Huntington Beach

42 Hesperia

43 Upland

44 Santa Ana

45 Highland

46 Oceanside

47 Martinez

48 Rancho Cordova

49 Colton

50 Chino

51 Lincoln

52 Milpitas

53 Westminster

54 Salinas

55 Rialto

56 Watsonville

57 Burlingame

58 Pittsburg

59 Fresno

60 Fontana

61 Temecula

62 Torrance

63 Chino Hills

64 La Habra

65 Cypress

66 Placentia

67 Brentwood

68 Moreno Valley

69 Corona

70 Antioch

71 San Ramon

72 Fairfield

73 Azusa

74 Rosemead

75 Fremont

76 Pico Rivera

77 San Pedro

78 Folsom

79 State Average

80 Santee

81 Reseda

82 Buena Park

83 Vacaville

84 La Puente

85 Fountain Valley

86 La Mirada

87 Baldwin Park

88 San Francisco

89 Castro Valley

90 Elk Grove

91 Norwalk

92 Alameda

93 San Jose

94 Hayward

95 Fair Oaks

96 Poway

97 Garden Grove

98 Long Beach

99 Tustin

100 Diamond Bar

101 Bellflower

102 Hacienda Heights

103 Modesto

104 Paramount

105 San Pablo

106 San Bernardino

107 Anaheim

108 Carson

109 Panorama City

110 Ventura

111 Lancaste

112 South Gate

113 Riverside

114 Cerritos

115 Spring Valley

116 Bell Gardens

117 Carmichael

118 Fullerton

119 Pacoima

120 Gardena

121 Roseville

122 Montebello

123 El Monte

124 Simi Valley

125 Hawthorne

126 San Leandro

127 Sunnyvale

128 Daly City

129 Alhambra

130 Huntington Park

131 San Diego

132 Lynwood

133 Oxnard

134 Rowland Heights

135 North Hills

136 Granada Hills

137 Canoga Park

138 Rancho Cucamonga

139 Vallejo

140 Palmdale

141 Los Angeles

142 Yucaipa

143 North Hollywood

The Best Rated Auto Insurers in California

Using complaint and exposure data from the California Department of Insurance, we calculated the justified complaint ratio for auto insurance companies in California. We've listed them from the best (lowest complaint index) to the worst (highest complaint index). If a company has an index of 1.05, then that means it has a 5% higher share of complaints compared to its share of underwriting exposure.

1 California Automobile Insurance Company 0.00

2 Essentia Insurance Company 0.00

3 Garrison Prop & Cas Insurance Company 0.00

4 GEICO Ind Co 0.09

5 Allied Prop & Cas Insurance Company 0.23

6 Wawanesa Gen Insurance Company 0.29

7 USAA Cas Insurance Company 0.32

8 Progressive Direct Insurance Company 0.32

9 Foremost Insurance Company Grand Rapids Mi 0.39

10 United Serv Automobile Assn 0.39

11 Amco Insurance Company 0.49

12 Progressive Choice Insurance Company 0.50

13 California Cas Ind Exch 0.52

14 Interins Exch Of The Automobile Club 0.53

15 Mercury Insurance Company 0.54

16 Mercury Casualty Company 0.55

17 Government Employees Insurance Company 0.57

18 GEICO Gen Insurance Company 0.60

19 State Farm Mut Auto Insurance Company 0.69

20 Mid Century Insurance Company 0.69

21 CSAA Ins Exch 0.77

22 Allstate Insurance Company 0.79

23 Allstate Ind Company 0.80

24 Progressive West Insurance Company 0.85

25 Farmers Ins Exch 0.87

26 Esurance Prop & Cas Insurance Company 0.91

27 Standard Fire Insurance Company 1.01

28 Amica Mutual Insurance Company 1.06

29 Alliance United Insurance Company 1.21

30 Safeco Insurance Company Of Amer 1.22

31 Viking Insurance Company Of WI 1.25

32 IDS Prop Cas Insurance Company 1.29

33 GEICO Cas Company 1.31

34 Financial Ind Company 1.34

35 Infinity Insurance Company 1.35

36 Integon Natl Insurance Company 1.49

37 Loya Cas Insurance Company 1.51

38 California Capital Insurance Company 1.54

39 Coast Natl Insurance Company 1.70

40 Explorer Insurance Company 1.86

41 Access Insurance Company 2.01

42 Hartford Underwriters Insurance Company 2.02

43 Liberty Mutual Fire Insurance Company 2.04

44 National Gen Insurance Company 2.14

45 21St Century Insurance Company 2.18

46 Metropolitan Drt Prop & Cas Insurance Company 2.45

47 Companion Prop & Cas Insurance Company 2.93

48 Anchor Gen Insurance Company 3.05

49 Nationwide Insurance Company Of Amer 3.29

50 Commerce W Insurance Company 4.61

51 Victoria Fire & Casualty Company 5.22

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