Shopping for car insurance in California can be challenging, mainly because you have so many choices to choose from. To help you find cheap car insurance, take a look at the state criteria for California car insurance and talk about the most affordable providers.
When looking for car insurance in California, we suggest that you get quotes from various insurers so that you can compare coverage and prices. In addition to the insurance provider you select, variables such as your age, vehicle make, model and driving background can influence your premium, so what’s best for your neighbor may not be best for you.
You have a lot of options when it comes to seeking cheap car insurance in California. To help save you time and effort, we have rated the providers based on industry status, selection, customer support, cost, coverage, and technology and named the best car insurance companies in California.
| Car insurance companies |
| GEICO |
| State Farm |
| Farmers |
| Liberty Mutual |
| Allstate |
GEICO: Cheapest car insurance in California
GEICO is the second-largest auto insurer in the U.S. and wrote more than $34 billion in auto premiums in 2019. Depending on your driving record, you will find low GEICO auto insurance rates in the Golden State. GEICO also provides a range of auto insurance benefits to California car insurance for items like:
- Being a good driver
- Having airbags
- Completing a defensive driving course
- Being a federal employee
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You will get multi-policy discounts when you bundle your car with a separate package, such as renters insurance. All of these attributes have led us to choose GEICO as the best car insurance choice in California. We also think it’s a fantastic option if you want more coverage than the bare minimum.
State Farm: Best and car insurance in California for students and young drivers
Another leading provider of California auto insurance, State Farm, excels in providing students with a wide range of discounts, including a Steer Clear initiative that promotes responsible driving for drivers under 25 years of age. There’s also an excellent Drive Safe & Save service that tracks your driving habits with an app to help you save on car insurance.
If you are searching for a high degree of liability coverage, State Farm has covered you with a coverage of up to 500/500/500,
which is more than adequate to satisfy California auto insurance standards and to cover much of the costs in the event of an accident. A few State Farm extras provide cover for rental and travel costs, compensation for rides, and roadside assistance. The State Farm Drive Safe & Save Discount uses your phone app’s data about your driving habits to assess your savings.
Farmers: Best and car insurance in California for senior drivers
Farmers Insurance is one of the nation’s oldest insurance options and ranks among the strongest. The insurance provider offers compensation options for drivers at any point in their lives. In addition to traditional forms of auto insurance, Farmers also provides extra California car insurance coverage for:
- New car replacement
- Accident forgiveness insurance
- Custom equipment protection
- Original equipment manufacturer (OEM) parts
- Loss of use coverage
- Guaranteed Value
- Towing and roadside service
- Rideshare
- Personal umbrella
- Coverage of window and windshield
The discount opportunities provided by Farmers give you the power to boost your eligibility by adjusting your driving style or your vehicle’s features. Farmers’ discounts depend on where you live, but some examples of ways you can save on car insurance in California include:
- Discount for being a good driver
- Homeowner’s discount
- Adult driver discounts and students/teens of parents who have safe driving histories
- Good student discount
- Occupational Discount
- Senior security driving discount for people aged 55 or over after completing the online safety course offered by AARP
- Alternatively fuelled engine discount (i.e., electric cars)
- Airbags, anti-theft, and other safety features
- Discount on multi-vehicle plans
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Signal is a Farmers app that tracks your driving activity and can qualify you for even more discounts. It monitors how fast you drive, brake, pace, and other driving habits. If you sign up for Signal and complete ten journeys, you will earn a 5-percent policy discount. When it comes to renewing your auto policy, you could be eligible for up to a 15% discount depending on the driving score that the app offers you.
Liberty: Best and car insurance in California for military personnel
Liberty Mutual automobile insurance is a perfect choice for teenagers and military members in California because of these classes’ discounts. Liberty Mutual partners with more than 14,000 employers, alumni groups, and professional associations to give you discounts. Some options to save on California’s Liberty Mutual Insurance auto insurance include a multi-car discount and a vehicle with safety equipment such as anti-theft systems and airbags.
Allstate: Best and car insurance in California for classic cars
Currently one of the largest public personal property and casualty insurance companies in the United States, Allstate represents more than 16 million American households. However, unlike some other major auto insurance providers, Allstate car insurance operates through a network of local brokers to provide coverage. In addition to the primary forms of insurance, Allstate Auto Insurance offers:
- Insurance for Rideshare
- Classic insurance for cars
- Travel insurance to and from Mexico
- Custom part coverage
There are many ways to get reduced rates for Allstate auto insurance in California, including bundling with other insurance plans such as home insurance, renter insurance, motorcycle insurance, and more. Such discounts shall include:
- New car discounts for the first owners of a vehicle
- Multi-car and multiple-policy discounts for customers who bundle home and auto insurance policies
- Student discounts for drivers under 25
- Anti-lock brake and anti-theft discounts for equipped cars
- Early signing discounts for policyholders who sign early
- EZ pay plan discounts for policyholders who use Allstate’s automatic withdrawal feature.
- Allstate eSmart discounts for policyholders who go paperless
- FullPay discounts for customers who pay their total premium at one time
- Safe driving discounts for policyholders who meet safe driver requirements
Although car insurance in California can be very costly, several insurance companies provide cheap car insurance quotes in California. If you can’t afford car insurance, it’s worth looking at the California Automobile Assigned Risk Plan instead of driving without insurance.
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