California Car Insurance

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In a nutshell...
  • Annual premiums for California drivers average around 25 percent higher than the national average
  • California car insurance laws require all drivers to have liability car insurance with minimum levels of coverage
  • Compare at least three different quotes before making a final decision

California is home to many celebrities, holds title to the 5th largest global economy and the largest car insurance market in the USA with over 150 car insurance companies in California.

California car insurance rates are the 5th highest in the nation. Annual premiums for California drivers average around 25 percent higher than the national average, around $1,750 annually.

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Where can I find cheap California car insurance?

Even with such a competitive market, California is home to higher accident statistics and car theft than other areas.

And while its common to compare car insurance companies for cheap car insurance rates California residents, still end up paying more than drivers in many other states simply due to the higher risk of drivers filing a claim.

Some of the most common factors which attribute to higher California car insurance rates are:

With car insurance comparison so widely available online however CA residents can often quickly find very affordable auto insurance rates. The trick to get the best car insurance rates is to know how to compare policies so its important to at least learn about policy coverage before choosing a provider.

Drivers can save $859/yr* by comparing car insurance

*based on a survey of 1,000 car insurance customers

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What are California car insurance requirements?

California car insurance laws require all drivers to have liability car insurance with minimum levels of coverage.

Currently (2010) California vehicles must have at least:

  • $15,000 in liability insurance coverage per person for injury
  • $30,000 in liability insurance coverage per accident for injury
  • $5,000 of property damage liability

While these limits make car insurance affordable for many they are also very low given California does not have no-fault car insurance laws and the cost of medical expenses in today’s society. Most California drivers opt for much higher limits when insuring a vehicle.

Is cheap California car insurance better?

Cheap is a word you should reserve for garage sales as securing car insurance coverage means more than just comparing policy premiums. From the car insurance company reputation to the claims handling process to the limits of coverage many elements make up a car insurance policy.

If you want the best chance of finding the most affordable auto insurance policy in California to learn about car insurance and always compare CA car insurance companies online.

California has over 150 licensed car insurance companies including Nationwide, GEICO, State Farm, Allstate, The General Insurance Company and more.

In addition to well known brand names, there are also many local CA car insurance companies who can provide coverage and may even have greater knowledge of the local market.

Compare California car insurance rates now!  Enter your zip code below to get started for FREE!

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