Golden State residents paid slightly higher auto insurance premiums in 2019 compared to 2018, between $ 1,868 and $ 1,791 respectively, a difference of 4.3%. If you are looking for the best and cheapest car insurance in California, look no further. Here's your ultimate guide on how car insurance compares.
Our manual on types of insurance is a great starting point, and once you understand the basic terminology and the different types of coverage available, start by getting auto insurance quotes from different companies. Your price will depend on a number of factors, such as your vehicle's driving history, address, make, model, and year. The Insurance Information Institute suggests getting auto insurance quotes from at least three different companies.
Best Cheap Car Insurance Companies for the Average Driver in California in 2020
Most California drivers will be able to choose from California auto insurance companies such as State Farm, Farmers, Allstate, Berkshire Hathaway and Progressive, as well as USAA, which provides insurance to military personnel, veterans and their families, according to the Association. National Insurance Commissioners.
The following table lists various insurance companies and the approximate cost of the monthly premium for the average driver. However, these numbers are rough estimates and may differ significantly from any individual quote related to your unique driving history and situation.
1. Essence
In 2020, Esurance ranked California's first cheapest auto insurance on average.
$ 1055 per year
2. Progressive
In 2020, Progressive ranked second in California as the cheapest car insurance on average.
$ 1132 per year
3. USAA
In 2020, USAA ranked third in California for the cheapest average auto insurance.
$ 1171 per year
4. GEICO
In 2020, GEICO ranked fourth in California for the cheapest auto insurance on average.
$ 1270 per year
5. MetLife
In 2020, MetLife ranked fifth in California as the cheapest auto insurance on average.
$ 1318 per year
6. AAA
In 2020, AAA ranked sixth in California for the cheapest auto insurance on average.
$ 1,319 per year
7. Allstate
In 2020, Allstate ranked seventh in California for the cheapest average auto insurance.
$ 1,322 per year
8. CSAA
In 2020, CSAA ranked No. 8 in California for cheapest average auto insurance.
$ 1,356 per year
9. Mercury
In 2020, Mercury ranked 9th in California as the cheapest car insurance on average.
$ 1449 per year
10. State farm
In 2020, State Farm ranked No. 10 in California as the cheapest average auto insurance.
$ 1,526 per year
11. Hartford
In 2020, Hartford was ranked 11th in California for cheapest car insurance on average.
$ 1613 per year
12. Farmers
In 2020, farmers ranked 12th in California for cheapest average auto insurance.
$ 1649 per year
13. travelers
In 2020, travelers ranked 13th in California for the cheapest average car insurance.
$ 1715 per year
14. Allies
In 2020, Allied was ranked 14th in California as the cheapest average auto insurance.
$ 1,762 per year
The top-rated auto insurers in California are: State Farm, Farmers, Allstate, Berkshire Hathaway, AAA Auto Club Enterprises Car Insurance, Mercury General Insurance Group, Kemper Corporation, and CSAA Insurance. Groupe, Progressive and USAA.
California's Cheapest Auto Insurance Company for Bad Credit Drivers
Although California's average credit score is slightly higher than the national average, it is not a factor that affects insurance rates in the state. According to Experian, the average FICO score in the United States reached a record 703 in 2019, which is below the California average FICO score of 708. While insurance companies in many states use credit scores to determine the costs of insurance, raw, California is an exception. California insurance companies cannot use a driver's credit rating to influence the cost of auto insurance. Your credit score can affect your money in other ways; however, improving your score can help you prepare for the future.
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