Cheap California Auto Insurance in 2024 (Save Money With These 10 Companies)

USAA stands out as the top option for cheap California auto insurance, providing comprehensive coverage starting at only $24 per month, along with outstanding customer service and competitive pricing.

As the most populous state in the nation, California is one that is packed with drivers. As anyone who has driven the state can tell you, the highway network is fantastic – that is, until you’re stuck in traffic.

Our Top 10 Company Picks: Cheap California Auto Insurance

And with all of these drivers, of course, comes many of the best auto insurance companies that are looking to sell a wide range of policies to cover virtually any kind of incident that may occur while on the road.

Let’s take a look at the Golden State and everything one might need to know about California auto insurance. Before we start, enter your ZIP code to compare California car insurance quotes right now.

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#1 – USAA: Top Overall Pick

Pros

• Military Focused Service: USAA offers specialized services for military members and their families, which can be a great advantage for those seeking cheap California auto insurance. Their military focus offers tailored coverage for active-duty and retired personnel.
• Outstanding Customer Satisfaction: USAA consistently receives high marks for customer satisfaction, making it a reliable choice for cheap California auto insurance. Their strong reputation means a smooth claims process and responsive support when needed.
• Comprehensive Coverage Options: USAA offers a wide range of coverage options, including collision, comprehensive, and uninsured motorist coverage, which is essential for those seeking cheap California auto insurance.

Cons

• Restricted Eligibility: USAA is only available to military members and their families, which limits access to their cheap California auto insurance offerings. This restriction means that the general public cannot take advantage of their competitive rates and benefits. Find our more through our Allstate vs. USAA insurance review.
• Limited Local Branches: USAA has fewer physical locations compared to other insurers, which could be a drawback for those preferring in-person service for their cheap California auto insurance needs. This could result in more reliance on online or phone support.

#2 – Geico: Best for Competitive Rates

Pros

• Competitive Rates: Geico is well-known for offering competitive rates on cheap California auto insurance, with monthly premiums starting at just $33. Their ability to provide lower prices without compromising coverage makes them a popular choice among California drivers.
• User-Friendly Digital Tools: Geico’s robust online platform and mobile app make managing cheap California auto insurance policies easy and convenient. Their digital tools allow users to handle everything from getting quotes to filing claims with just a few clicks.
• Strong Financial Stability: Geico’s A++ A.M. Best rating reflects their strong financial health, which reassures policyholders that their cheap California auto insurance claims will be paid out reliably. This financial security is crucial for long-term peace of mind. Read more through our Geico insurance review.

Cons

• Average Customer Service: While Geico excels in affordability, their customer service can be hit or miss, which might be a concern for those prioritizing service in their search for cheap California auto insurance. This variability in service quality could lead to less satisfactory experiences.
• Limited Coverage Customization: Geico may not offer as many customizable options as other providers, which could be a drawback for drivers seeking highly tailored cheap California auto insurance policies. This limitation might make it harder to create a policy that perfectly fits individual needs.

#3 – State Farm: Best for Reliable Service

Pros

• Reliable Service: State Farm is known for its reliable service, a key factor for those seeking cheap California auto insurance. With a network of local agents, they provide personalized service that can make managing your policy easier and more straightforward.
• Extensive Agent Network: With numerous agents across California, State Farm offers easy access to in-person assistance, which can be beneficial for those looking for cheap California auto insurance. This extensive network ensures that you can get help when and where you need it.
• Solid Reputation: Despite a B rating from A.M. Best, State Farm has built a strong reputation for reliability, making it a trustworthy option for cheap California auto insurance. Their longstanding presence in the market speaks to their dependability and customer trust. Delve more through our State Farm insurance review.

Cons

• Higher Rates Compared to Competitors: With a monthly rate of $35, State Farm’s premiums are higher than some competitors, which might deter those strictly seeking the cheapest California auto insurance. This higher cost could be a downside for budget-conscious drivers.
• Average Coverage Options: While reliable, State Farm may not offer as extensive coverage options as other insurers, which could limit choices for cheap California auto insurance. This could mean fewer opportunities to customize a policy to fit specific needs.

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#4 – Travelers: Best for Safe Driving

Pros

• Safe Driving Discounts: Travelers rewards safe drivers with discounts, which can help reduce the cost of cheap California auto insurance. Programs like their “Drive Safe & Save” initiative encourage responsible driving habits and lower premiums. Look for more details through our Travelers insurance review.
• A++ Financial Rating: With an A++ rating from A.M. Best, Travelers is financially robust, making them a secure choice for cheap California auto insurance. This financial strength means they can consistently pay out claims and offer reliable coverage.
• Innovative Technology: Travelers uses technology to monitor driving habits, offering discounts for safe driving, which can make your cheap California auto insurance even more affordable. Their use of telematics ensures that good driving behavior is rewarded.

Cons

• Higher Monthly Premiums: With a starting rate of $40 per month, Travelers is on the higher end for cheap California auto insurance. This may be a drawback for those who prioritize cost savings above all else.
• Limited Availability of Discounts: While Travelers offers safe driving discounts, other discount opportunities might be more limited compared to competitors, which could make their cheap California auto insurance less appealing to those looking to maximize savings.

#5 – Progressive: Best for Snapshot Program

Pros

• Snapshot Program: Progressive’s Snapshot program allows drivers to save money on their cheap California auto insurance by monitoring driving habits and offering discounts for safe driving. This program can lead to significant savings for those who drive carefully.
• Customizable Coverage: Progressive offers a variety of coverage options that can be customized to meet individual needs, making them a versatile choice for cheap California auto insurance. This flexibility ensures that you only pay for what you need. Find out more through our Progressive insurance review.
• Strong Financial Rating: With an A+ rating from A.M. Best, Progressive is financially stable, which is reassuring for those seeking cheap California auto insurance. This stability means they can be relied upon to pay claims promptly.

Cons

• Rates Higher Than Some Competitors: With a starting rate of $43 per month, Progressive may not be the cheapest option for cheap California auto insurance. This higher cost might deter those looking for the lowest possible premiums.
• Mixed Customer Service Reviews: While Progressive offers innovative programs, their customer service can be inconsistent, which might be a concern for those prioritizing service in their cheap California auto insurance search. This inconsistency could lead to varied experiences.

#6 – American Family: Best  for Family Coverage

Pros

• Family-Focused Coverage: American Family offers policies designed to meet the needs of families, which can be a significant advantage for those seeking cheap California auto insurance. Their family-oriented coverage options provide peace of mind for multiple drivers.
• A Rating from A.M. Best: American Family’s A rating indicates strong financial stability, which is important for those looking for cheap California auto insurance. This rating suggests that they can reliably handle claims and provide long-term support.
• Affordable Rates for Families: With monthly rates starting at $45, American Family offers reasonably priced cheap California auto insurance, especially for family coverage. These rates make it easier for families to budget for their insurance needs. Learn more through our American Family auto insurance review.

Cons

• Higher Premiums for Single Drivers: American Family’s focus on families might mean higher premiums for single drivers seeking cheap California auto insurance. This could make it less attractive for those who don’t need family coverage.
• Limited Availability: American Family’s coverage might not be as widely available in certain areas, which could be a drawback for those seeking cheap California auto insurance in more remote locations. This limitation could restrict access to their policies.

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#7 – Nationwide: Best for Vanishing Deductible

#8 – Farmers: Best for Essential Workers

Pros

• Tailored for Essential Workers: Farmers offers specific discounts and benefits for essential workers, making it an appealing choice for those seeking cheap California auto insurance who fall into this category. This focus on essential workers provides added value to those in critical roles.
• A Rating for Financial Strength: Farmers has an A rating from A.M. Best, indicating solid financial stability, which is reassuring for those looking for reliable cheap California auto insurance. This strong rating suggests that Farmers is capable of paying out claims and providing long-term support.
• Extensive Coverage Options: Farmers offers a wide range of coverage options, which can be customized to meet individual needs, making it a versatile option for cheap California auto insurance. This flexibility allows you to create a policy that fits your specific requirements. Read more through our Farmers auto insurance review.

Cons

• Higher Premiums: With a starting rate of $54 per month, Farmers’ premiums are higher than some competitors, which might be a deterrent for those looking for the most affordable cheap California auto insurance. This could be a concern for budget-conscious drivers.
• Limited Discounts: Farmers may not offer as many discount opportunities as other providers, which could make their cheap California auto insurance less appealing to those looking to maximize savings. This limitation might mean fewer ways to reduce your premium.

#9 – Allstate: Best for Feature Options

Pros

• Variety of Coverage Options: Allstate offers a broad range of coverage options, making it a strong contender for those seeking customizable cheap California auto insurance. Their comprehensive selection allows drivers to build a policy that meets their exact needs.
• Feature-Rich Policies: Allstate is known for offering feature-rich policies, which can include benefits like accident forgiveness and new car replacement, making their cheap California auto insurance policies more attractive. These additional features provide added value to policyholders.
• Discount Opportunities: Allstate offers a variety of discounts, such as safe driver and multi-policy discounts, which can help lower the overall cost of cheap California auto insurance. These discounts make it easier to find affordable coverage without sacrificing quality. Read more through our Allstate insurance review.

Cons

• Higher Monthly Premiums: With a starting rate of $65 per month, Allstate is on the higher end of the spectrum for cheap California auto insurance, which might deter those seeking the lowest possible premiums. This higher cost could be a drawback for cost-conscious consumers.
• Mixed Customer Service Ratings: While Allstate offers a range of features, their customer service reviews have been mixed, which might be a concern for those prioritizing a smooth experience with their cheap California auto insurance. Inconsistent service quality could lead to varying experiences.

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#10 – Liberty Mutual: Best for Add-on Options

Pros

• Add-On Options: Liberty Mutual offers a wide range of add-on options, allowing drivers to customize their cheap California auto insurance policies to include features like roadside assistance and rental car coverage. These options provide additional security and peace of mind.
• A Rating for Financial Strength: Liberty Mutual’s A rating from A.M. Best indicates solid financial stability, which is reassuring for those seeking dependable cheap California auto insurance. This rating ensures that Liberty Mutual can reliably pay out claims. Read more through our Liberty Mutual auto insurance review.
• Discount Availability: Liberty Mutual offers a variety of discounts, such as those for safe driving, bundling policies, and more, which can help reduce the cost of cheap California auto insurance. These discount opportunities make it easier to keep premiums affordable.

Cons

• Higher Rates: With a starting rate of $70 per month, Liberty Mutual is one of the more expensive options for cheap California auto insurance, which could be a disadvantage for those focused on finding the lowest premiums. This higher cost might be a dealbreaker for budget-conscious drivers.
• Average Customer Service: Liberty Mutual’s customer service has received average ratings, which could be a concern for those prioritizing excellent service in their search for cheap California auto insurance. This average service quality might not meet the expectations of all policyholders.

California Auto Insurance Laws

California’s state auto insurance laws are very low when it comes to insurance minimums and coverage requirements. As of 2011, every vehicle must have at least $15,000 in liability coverage for death or injury of any one individual in any one accident, $30,000 in liability insurance coverage to cover all persons in any one accident and $5,000 in property damage coverage for any one accident.

California Auto Insurance Monthly Rates by Coverage Level & Provider

The upside of these low amounts is that they make auto insurance coverage quite affordable for most people; the downside is that in today’s world of high medical costs and high property values, an at-fault accident with these tiny coverage amounts would likely cost the driver significant amounts of money.

Most California drivers opt for much higher coverage amounts for both collision and comprehensive auto insurance coverage.

The State of California has also developed a program to help low-income drivers that have an excellent driving record, which they’ve dubbed the “Low-Cost Automobile Insurance Program”, or “CLCA”. The State put this program in place as auto insurance is legally required, but there were many low-income drivers who were driving uninsured as they couldn’t afford to pay insurance premiums.

This policy provides the basic legal liability for coverage (as stated above), with additional add-ons such as medical payments coverage, and uninsured motorist bodily injury policies. You can read more through our expert guide titled “Understanding How Auto Insurance Works.”

To qualify for this program, state residents must be at least 19, qualify as a “good driver” under the state’s guidelines, meet low-income requirements, and own a vehicle that has a value of less than $20,000.

It’s just one of the ways that California works to improve auto insurance accessibility for everyone.

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

Automobile Accidents In California

When it comes to automobile accidents, drivers in California can rejoice at the news – car accidents and fatalities have been trending downward over the past number of years, reflecting an increase in the care that drivers are taking while behind the wheel.

The most recent data available shows that California car accidents that resulted in fatalities have decreased by nearly fourteen percent, which brings them to the lowest level since the Department of Transportation started recording crash and fatality statistics in the 1970s.

The actual numbers show a drop of over 500 fatalities in California, from 3,975 to 3,435 within a year, positioning the state as a leader in reducing fatal car accidents. This decline is attributed to effective enforcement of DUI laws and seat-belt regulations.

Additionally, California’s auto insurance policies include Medical Payments Coverage, which can help cover medical expenses resulting from an accident, further contributing to the state’s focus on safety and comprehensive protection. Read more through our does my auto insurance cover my medical expenses after an accident?

California has done such excellent work in these areas that the Insurance Institute for Highway Safety (IIHS) recently awarded California with the highest ranking of all states for laws pertaining to these and other areas. Read more through our expert guide titled “Does my auto insurance cover my medical expenses after an accident?”

Ready to save on California auto insurance rates? Enter your ZIP code now to compare rates.

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Car Theft Statistics In California

The news, however, is not so good when it comes to auto theft statistics. While there was an overall decline of 12.7% in 2008 compared to 2007, California led all states in the number of auto thefts – besting Texas by more than double. learn more through our Texas auto insurance.

Almost 200,000 vehicles were stolen in California in 2008, with six of the top ten highest theft metropolitan areas found in the Golden State.

Modesto, California led the nation with a theft rate of 829 vehicles per 100,000 citizens, and San Diego, Bakersfield, Stockton, the San Francisco-Bay Area, and Fresno were also in the top 10.

All of these metropolitan areas recorded auto theft rates that were more than double the national average of 314 thefts per 100,000 citizens. With this in mind, California residents are advised to use both audible car alarms and immobilizers such as kill-switches or fuel cut-offs.

Most insurance companies will provide a discount to customers that make use of anti-theft devices, so it’s worth looking into.

There are hundreds – if not thousands – of auto insurance companies available to service California drivers with insurance policies that meet their needs.

Take the time to research different companies and coverage levels so when it comes time to sit down with an auto insurance agent, you’re fully prepared and ready to negotiate the best deal.

Additional California Auto Insurance Resources

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