Best Auto Insurance in California 2019

Auto Insurance in California – In California, Car insurance cost comparatively expensive. Florida is the most prosperous state in the US. California is popular for technology, fashion, and entertainment industries. There are gorgeous beaches in California. So numerous tourist visit here.

The economy of California is strong due to numerous tourist attractions and numerous tourist resorts.  Moreover, California is the most populous US state. The number of cars used here is much higher compared to other states and there are also greater chances of accidents happening.

best auto insurance for california

Due to all these above factors, the car insurance rates in California are higher than any other state in the USA. 

Companies List of auto insurance in California:

There are a lot of auto insurance companies in California. Every company has some individual policies, rates and unique services to its customers. So it is difficult to choose the right insurance company and buy a suitable and affordable policy. Here a list of auto insurance companies in California is provided:

  • AAA Club of California
  • Access Insurance Company
  • Ameriprise Auto Insurance
  • American Family Insurance
  • Allstate Auto Insurance
  • Access Insurance Company
  • Interinsurance Exchange of the Automobile Club and AAA Northern
  • Mercury Insurance Group
  • Mid-Century Insurance Company
  • Progressive Auto Insurance
  • 21st Century Insurance Company
  • USAA Auto Insurance
  • USAA Auto Insurance
  • Geico Insurance
  • State Farm Insurance
  • Wawanesa Insurance

Minimum Coverage requirements for Auto Insurance in California

In California, car insurance policies have at least bodily injury liability and property damage liability coverage.

  • Death or injury of one person in any one accident : $15,000 minimum
  • Death or injury of 2+ people in any one accident : $30,000 minimum
  • Property Damage Liability : $5,000 minimum

Cost of Auto Insurance in California

We know that car insurance rates are expensive in California. The average auto insurance cost in California is $1,713 per year — it is 20% more than the national average. There are many factors such as age, marital status, driving violations, Credit score, Coverage level etc impact car insurance rates.

Average Car Insurance cost in California by age:

Your auto insurance premiums are changed according to your age. Generally, auto insurance rates are higher for young drivers and teens. Because auto insurance companies seem that young drivers and teen drivers are less responsible. A chart of auto Car Insurance cost according to age is given below:

Age Average Car Insurance cost (Yearly)
16 $7,175.12
17 $6,853.99
18 $6,021.14
19 $4,428.57
20 $2,416.70
30 $1,618.56
40 $1,563.19
50 $1,449.50
60 $1,408.62
70 $1,568.61

Average auto insurance cost in California by Marriage Status

Married persons are more responsible than unmarried persons. So, Insurance rates are higher for a single person than for married people. In California, there are also separate insurance rates for divorced, widowed. A chart of auto Car Insurance cost according to marriage Status is given below:

Marriage Status Average Car Insurance cost (Yearly)
Single $1,649.21
Married $1,576.40
Divorced $1,649.21
Widowed $1,582.65

Average Car insurance cost in California by Credit Score

The credit score is an indicator for selecting a potential customer’s reliability. Car insurance companies use credit score for determining auto insurance rates. Auto insurance rates are lower for good Credit Scorer.

Average auto insurance cost in California by the profession of drivers

Car insurance rates also determined according to the violation of the driver. If you have a fault in a car accident or if you are guilty of a driving violation, your auto insurance rates are must be risen. In California, if you have a first minor fault in an accident you will have to pay a penalty of $862.80 per year with auto insurance premiums.

A chart of auto Car Insurance cost with according to violations is given below:

Type of violations Average Car Insurance cost (Yearly)
DUI (driving under the influence) or  DWI (driving while intoxicated) $4,689.59
Speeding (21-25 MPH > limit) $2,324.98
Speeding (16-20 MPH > limit) $2,324.98
Reckless Driving $4,689.59
At-Fault Accident (<$1,000) $2,575.34
At-Fault Accident ($1,000-$2,000) $2,676.87
At-Fault Accident (>$2,000) $2,575.34
Open Container $3,130.47

Average auto insurance cost in California by Coverage Level

Your insurance costs depend on your chosen coverage. The more your coverage amount the more your insurance rates. A chart of auto Car Insurance cost by coverage level is given below:

Coverage Level Average Car Insurance cost (Yearly)
Liability-Only for Bodily Injury/Property Damage for $100K/$300K $802
$1,000 Comprehensive/Collision for Bodily Injury/Property Damage for $100K/$300K $1,527
$500 Comprehensive/Collision for Bodily Injury/Property Damage for $100K/$300K $1,710
Liability-Only for Bodily Injury/Property Damage for $50K/$100K $718
$1000 Comprehensive/Collision for Bodily Injury/Property Damage for $50K/$100K $1,443
$500 Comprehensive/Collision for Bodily Injury/Property Damage for $50K/$100K $1,626
Liability Only: State Minimum $573
$1,000 Comprehensive/Collision: State Minimum $1,297
$500 Comprehensive/Collision: State Minimum $1,481

Best auto insurance for California 

We know that car insurance for California resident is quite expensive. However, although the high insurance costs in California, many people search suitable coverage at an affordable price.  For those have best auto insurance for California. You have the best option to find best auto insurance for California from the ranked all the auto insurance companies in California.

Here a list of best auto insurance for California is provided, you can select your suitable car insurance company from this list on the basis of criteria of  affordability, customer service, financial strength, amount of discount, coverage etc.

Suggest : Best Car Insurance for New Drivers

Best Car Insurance Companies in California

  • Wawanesa Insurance – First position for overall
  • Geico Insurance – Second position for overall
  • USAA – suitable for the Military
  • AAA Club of California – Excellent for Extensive Benefits
  • AAA Club of California – Best for Extensive Benefits
  • Ameriprise – Best for Customer Service

Wawanesa Insurance:

Wawanesa is the second most affordable insurer in California, after Progressive. But the difference between these companies rates is almost negligible. Although Wawanesa is not as big insurer as Progressive, Geico or State Farm, but it is the best auto insurance for California.

Because customer satisfaction in California is high for Wawanesa. Wawanesa has useful discounts and additional coverage options. It has the best rates in California, especially Wawanesa offers the cheapest car insurance in California. For the combination of all above factors, the overall position of Wawanesa in California is in the first for all kind of residents in California.

GEICO

Geico is one of the largest insurance companies in the USA. California residents choose this company very much. Because their customer service is excellent. Geico provides cheap auto insurance in California. But Geico’s rates are slightly higher than Progressive’s and Wawanesa’s. In the case of affordable rates, Geico is in the third position in California.

Progressive

Progressive is one of the affordable insurance providers in California. They provide the cheapest insurance in California. Their customer service is reliable. If you are a high-Risk Driver you should have first choice Progressive.

USAA

USAA is a best insurer for former and current US military members and their family members. Because they provide the cheapest insurance for them.

The eligible person for USAA insurance

  • Retired, active and reputable officers and enlisted personnel of the U.S. military.
  • Officer candidates in commissioning programs

AAA Club of California

AAA Club of California is an automotive club. But they also sell car insurance to its members. If you are a member of AAA Club you can get a lot of facilities with insurance such as discounts at over 100,000 shops, restaurants, and hotels in the USA, travel vouchers, free emergency roadside assistance etc.

For this additional service, you will have to pay only $56. But their automobile insurance cost in Calfornia is most expensive than any other city in the USA. Their customer care is excellent.

Ameriprise

In California, Ameriprise provides the best customer service for their customers. Besides this, they provide discounts, benefits, and optional coverages. But their insurance rates are almost 20% more expensive than Wawanesa, Progressive, and Geico. Ameriprise provides Good Driver Discount for only for California auto owners.

We know a safe driving habit is safe for all. You can lower your auto insurance cost from Ameriprise-California by built a record as a safe driver.

Tips for selecting Best auto insurance in California 

When you buy or renew auto insurance policy in California, you should review your coverage and compare the prices with other companies. You should search for good coverage with affordable rate.  But how will you know the insurance rates, coverages, facilities and reliability of different insurance companies? 

You can follow the following tips for getting Best auto insurance in California.

Visit California based Auto Insurance website

There is a website of the Department of Insurance in California. You can visit this website for finding your favourite insurance company. You can use it for your research of searching favourable insurance company. They publish insurance rates, discounts, consumer complaint ratios of all of the different insurance companies in the state. You can also know from this website that how many insurance claims are filled up from different insurance companies.

Consider the financial strength of your comparing insurance companies

The financial strength of insurance companies is an important factor selecting proper insurance company. You can understand the ability to pay your claim from the auto insurer’s financial strength.

Determine suitable insurance coverage

You have to find what type of coverage you need and is it affordable for you? Because the price of insurance is determined according to insurance coverage. The common insurance coverage in California:

  • Collision
  • Property damage
  • Bodily injury liability
  • Comprehensive
  • Uninsured/underinsured motorist
  • Medical payments

Select the right insurer

There are three types of insurers in the marketplace. such as captive agents, brokers and direct providers. The broker works for several different companies as a representative. But the captive agent works for a single company as a representative. On the other hand, the direct provider provides insurance service to the consumer directly by phone or online via customer service.

There are a lot of auto insurance companies in California and they also have various insurance coverage. You have to find the best auto insurance among them. To find the best auto insurance in California you have to follow the above suggestion. 

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