If you’re planning to drive in California, you’ll need to secure car insurance strictly as per state insurance laws. Being a legal necessity, auto insurance in California offers a safeguard shield against unexpected mishaps on the road. It provides a financial cushion against unexpected costs arising from accidents, theft, damages, and personal injury protection. To meet minimum requirements and to ensure peace of mind, seeking the cheapest car insurance becomes crucial. It’s an extensive search, no doubt, considering the multitude of California car insurance options.
Several factors can push your car insurance premiums up or bring them down to the lowest level. Driving habits, also called driving habits, determine the level of risk you pose to other drivers. Maintaining a clean driving record and a safe driving record can earn you low rates and the best affordable car insurance in California. If you’re considered a high-risk driver, you need to find affordable car insurance for high-risk drivers.
Now that one knows the influencers, one can explore affordable auto insurance companies and the cheapest car insurance in California in 2023. Finding the right balance between premium cost and coverage needs is achievable. In order to find an affordable option, one must know where and how to look.
Picking the right car insurance policy in California can be tricky. There are a lot of factors to consider like liability limits, the average premium, and annual cost. Making sure you’re getting an affordable price is important too. So whether you’re looking for car insurance quotes in California for a fully-owned vehicle or investigating affordable auto insurance near me for a rented car or non-owner car insurance, remember to extend your hunt towards the most affordable and cheapest car insurance companies. This way, you can identify the best auto insurance California has to offer.
California’s best car insurance
- Best overall: Capital Insurance Group
- Runner-up: Safeco
- Best for customer satisfaction: Wawanesa
- Best for discounts: American National
- Best from a big-name insurer: Travelers
# Capital Insurance Group
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Cost
The best way to estimate your costs is to request a quote
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Policy highlights
Capital Insurance Group focuses on the West Coast and offers affordable prices. It features a number of discounts available for car insurance customers and has a relatively low complaint index with the NAIC.
Overview:
Capital Insurance Group is a subsidiary of the Auto-Owners Insurance Group, a well-known provider of low-cost auto insurance. In terms of affordability, their sample premium in California was consistently towards the top, and the company had a low NAIC complaint index.
The average annual sample premium in California is $2,068.
# Safeco
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Cost
The best way to estimate your costs is to request a quote
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Policy highlights
Safeco customers can benefit from accident forgiveness, claims-free cash back, or diminishing deductibles if they qualify. Several discounts are available for those who have specific safety features, and those who bundle home, auto and other policies with the company.
Overview:Â
Safeco is a subsidiary of Liberty Mutual and offers comprehensive auto insurance coverage in California. Safeco’s auto insurance coverage can be an inexpensive alternative for many drivers, thanks to consistently low sample premiums and a variety of savings options ranging from reductions to decreasing deductibles.
The average annual sample premium in California is $2,180.
# Wawanesa Auto Insurance
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Cost
The best way to estimate your costs is to request a quote
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Policy highlights
Wawanesa is rated highly for its customer satisfaction and offers a number of discounts on already affordable coverage for California customers. Policies can be managed online and quotes are available through the company’s site.
Overview:Â
Wawanesa’s vehicle insurance has been named J.D. Power’s top pick in California for customer satisfaction four years in a row, including in 2023. In addition to pet insurance and homeowners insurance, the organization offers various other forms of insurance to help you save money by bundling your policies. It also provides a variety of add-on coverage options, including as roadside assistance and rental price coverage.
The average annual sample premium in California is $2,470.
# American National Auto Insurance
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Cost
The best way to estimate your costs is to request a quote
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Policy highlights
American National Auto Insurance has affordable rates for California drivers. Comprehensive and collision coverage includes rental car coverage for no extra cost, and the ability to customize your policy with endorsements can help you make your policy exactly what you need.
Overview:Â
American National provides a number of discounts to make already low-cost coverage even more reasonable for California drivers. It provides discounts for bundling your policies and cash back for being claim-free when you bundle your home and auto coverage.
The average annual sample premium in California is $2,275.
# Travelers Auto Insurance
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Cost
The best way to estimate your costs is to request a quote
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Policy highlights
Travelers auto insurance policies are affordable and backed by the sixth largest company for car insurance by market share according to the NAIC. The company also offers a number of discounts to customers, including discounts for bundling, owning a hybrid or electric car, and good student discounts.
Overview:Â
Travelers is one of the larger auto insurers in the U.S. and offers relatively affordable car insurance in California. While it’s a little bit more expensive than others we considered, Travelers stands out with high financial strength ratings and many discounts. It also has a low NAIC complaint index for a company of its size and offers many optional coverages and bundling opportunities.
Average annual California sample premium: $2,698
Frequently Asked Questions (FAQs)
In California, how much does car insurance cost per year?
According to Bankrate, full coverage costs $2,291 per year in California, while minimum coverage costs $646.
In California, what is the minimum amount of coverage required for car insurance?
California’s minimum car insurance coverage includes:
- Each person is covered for $15,000 in bodily injury
- Per accident, bodily injury coverage of $30,000
- Damage to property worth $5,000
In addition to this coverage, many people choose comprehensive collision coverage, which can pay to repair their cars after an accident.
How does California full coverage car insurance work?
In California, full coverage auto insurance includes bodily injury coverage per person, per accident, and property damage coverage, but higher limits can also be included, as can comprehensive and collision coverage.
Does California have a no-fault system?
Because California is not a no-fault state, if you are found responsible for an accident, then you will be liable for any injuries and property damage you cause.
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