Cheap Car Insurance Quotes California
Cheap Car Insurance Quotes California: cheap car insurance California online
California isn’t the cheapest state to live in, so it might surprise you that its auto insurance costs are nowhere near as high as other states. That’s because the state strictly regulates how insurers price policies. But insurance costs are rising, so NerdWallet analyzed rates to help you find the cheapest car insurance in California. Our most recent analysis found that the cheapest car insurance company in California is Auto Club of SoCal at $1,147 per year on average, or $96 per month, for full coverage. Meanwhile, the average cost of full coverage car insurance in California is $1,660 per year or about $138 per month. Minimum coverage in California is $464 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in California at $239 per year, on average, for minimum coverage of car insurance for a 35-year-old driver with a clean driving record.
How we chose the cheapest companies in California: cheap car insurance California online
NerdWallet’s editorial team analyzed car insurance rates from 25 auto insurers in California and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in California. For full coverage, we used the below coverage limits:
- $100,000 bodily injury liability per person.
- $300,000 bodily injury liability per accident.
- $50,000 property damage liability per accident.
- $100,000 uninsured motorist coverage per person
- $300,000 uninsured motorist coverage per accident.
- Collision coverage with a $1,000 deductible.
- Comprehensive coverage with a $1,000 deductible.
Cheap car insurance in California by age
Use the table below to navigate to the cheapest car insurance rates in California based on your age for both full and minimum coverage, plus credit and driving history.
***Cheapest for 20-year-old drivers
Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it’s best to shop around to find them.
Cheapest full coverage car insurance in California for 20-year-olds
Drivers in California with clean driving records may want to consider the following companies, which had the lowest average rates:
- State Farm: $1,841 per year, or about $153 per month.
- Auto Club of SoCal: $1,903 per year, or about $159 per month.
- CIG: $2,005 per year, or about $167 per month.
- Geico: $2,127 per year, or about $177 per month.
- The Hartford: $2,287 per year, or about $191 per month.
***Cheapest full coverage car insurance in California for 30-year-olds
Drivers in California who want their state’s minimum coverage can check with the following companies, which had the lowest average rates:
- Auto Club of SoCal: $1,184 per year, or about $99 per month.
- Mercury: $1,253 per year, or about $104 per month.
- CIG: $1,256 per year, or about $105 per month.
- Geico: $1,257 per year, or about $105 per month.
- Progressive: $1,325 per year, or about $110 per month.
***Cheapest for 40-year-old drivers
Drivers in their 40s tend to have better insurance rates than their younger counterparts on average but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.
Cheapest full coverage car insurance in California for 40-year-olds
Drivers in California with clean driving records may want to think about the following companies, which had the lowest average rates:
- Auto Club of SoCal: $1,104 per year, or about $92 per month.
- Grange Insurance Association: $1,193 per year, or about $99 per month.
- Mercury: $1,197 per year, or about $100 per month.
- CIG: $1,213 per year, or about $101 per month.
- Geico: $1,219 per year, or about $102 per month.
***Cheapest for 50-year-old drivers
Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.
Cheapest full coverage car insurance in California for 50-year-olds
Drivers in California with clean driving records may want to get quotes from these insurers, which had the lowest average rates:
- Auto Club of SoCal: $1,092 per year, or about $91 per month.
- 21st Century: $1,114 per year, or about $93 per month.
- Mercury: $1,126 per year, or about $94 per month.
- Grange Insurance Association: $1,138 per year, or about $95 per month.
- CIG: $1,167 per year, or about $97 per month.
***Cheapest for 60-year-old drivers
Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.
Cheapest full coverage car insurance in California for 60-year-olds
Drivers in California with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
- Auto Club of SoCal: $973 per year, or about $81 per month.
- 21st Century: $1,042 per year, or about $87 per month.
- Grange Insurance Association: $1,098 per year, or about $91 per month.
- Mercury: $1,115 per year, or about $93 per month.
- CIG: $1,147 per year, or about $96 per month.
***Cheapest for 70-year-old drivers
Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Cheapest full coverage car insurance in California for 70-year-olds
Drivers in California with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
- Auto Club of SoCal: $1,039 per year, or about $87 per month.
- State Farm: $1,064 per year, or about $89 per month.
- Grange Insurance Association: $1,098 per year, or about $91 per month.
- 21st Century: $1,188 per year, or about $99 per month.
- Geico: $1,215 per year, or about $101 per month.
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In California, finding affordable auto insurance quotes doesn’t have to be difficult. You can locate cost-effective coverage that fits your needs and budget by doing online comparison shopping, determining your coverage needs, keeping up a spotless driving record, bundling policies, taking advantage of discounts, thinking about higher deductibles, and yearly policy reviews. You can drive confidently and worry-free on California’s roads if you keep these pointers in mind when you compare quotes for auto insurance.
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