Finding the right car insurance can be a hassle anywhere, but it’s even harder in California now. With some insurers leaving the state due to the high costs of covering drivers, securing the best auto insurance has become more difficult than ever.
Our research shows that in California, drivers pay an average of $2,633 per year for full coverage car insurance and $645 per year for minimum coverage. California car insurance is a must for anyone driving in the state, providing important financial protection in case of accidents. There are lots of insurance companies to choose from, each offering different plans to fit your budget and needs.
The Best Car Insurance Companies in California
When it comes to finding the best car insurance companies in California, there are top contenders in the industry, ranging from State Farm, GEICO, Mercury, etc. Below are our top picks for the California Car Insurance
Progressive Insurance
Progressive offers various discounts for things like getting quotes online, owning a home, combining policies, and safe driving. Their digital tools can help you save time by making it easier to manage your account and file claims. Additionally, if you’re on a tight budget, their Name Your Price tool lets you enter the amount you’re willing to spend on car insurance and then shows you coverage options that match your budget.
GEICO
Geico offers low average premiums for many types of drivers in California and provides over a dozen discount opportunities. These include discounts for affiliations, good drivers, military personnel, bundling policies, and using safety devices. Geico has advanced digital tools, ranking second in the J.D. Power 2023 U.S. Insurance Digital Experience Study.
State Farm
State Farm provides a wide range of car insurance discounts to help you save money on your premium. With more than 19,000 agents across the country and a highly-rated mobile app, policyholders enjoy great service both online and in person. State Farm has two telematics programs, one specifically designed for young drivers.
While endorsement options are fewer compared to other insurers, a few add-ons are still available. State Farm is considered the best car insurance company in California for ease of use. Customers can manage their policies and file claims online. Additionally, the State Farm mobile app has high user ratings on both iOS and Android devices.
Mercury Insurance Affordable California Car Insurance
Mercury offers similar coverage options and discounts as other insurers we reviewed and includes rideshare insurance for Uber and Lyft drivers. You can file a claim online or through their 24/7 toll-free hotline. Mercury could be a top choice for full coverage car insurance in California, especially for those on a budget, as its average rates are some of the lowest, we found.
Amica Best Car Insurance in California with High Customer satisfaction
When it comes to finding the most reliable car insurance in California with happy customers, look no further than Amica! They stand out from the crowd for making sure drivers are satisfied. How do they do it? Well, they have fewer complaints reported to state regulators than other insurance companies of their size. So, if you want peace of mind while driving in California, you can choose Amica.
Auto Club of SoCal Affordable Car Insurance in California
Auto Club of SoCal is the most affordable top-rated car insurance company. Our analysis found that California drivers pay an average of $1,147 per year, or about $96 per month, for full coverage with Auto Club of SoCal. Keep in mind, your rate may vary based on your specific circumstances.
Auto Club of SoCal is part of the American Automobile Association (AAA), which is known for providing reliable service and various membership benefits. This affiliation ensures that drivers not only get cost-effective insurance but also access to a wide range of roadside assistance and other perks.
How to Get the Best Car Insurance in California
Still not sure which company to go with? Try these tips:
- Assess Your Needs: Think about what you really need from a car insurance company. Everyone’s different—some people might want great customer service and discounts for driving less, while others might just want the cheapest option or a good mobile app.
- Do Your Research: Look beyond the big names and explore different options. Make sure any company you consider is financially stable, has good customer reviews, and offers the coverage you need at a good price. Check out reviews online to help you decide.
- Consider Small Insurance Companies: Sometimes, smaller, local insurance companies can offer better prices and customer service than the big brands. You might need to talk to a local insurance agent to find these hidden gems.
- Shop Around Once a Year: Car insurance rates change often, so it’s a good idea to get new quotes every year. This helps ensure you’re still getting a good deal. Get quotes from at least three different companies and compare similar coverage options and deductibles to find the best rate.
Conclusion
The law requires drivers to have at least basic liability coverage, but many people also get extra protection like collision and comprehensive insurance to cover more situations. Having the right car insurance means you can drive on California’s roads with confidence and peace of mind.
