On average, drivers with a clean record in California pay $50 per month for a minimum coverage policy and $193 monthly for full coverage based on our rate data. For most drivers in California, Geico offers the cheapest car insurance rates.
Cheapest Car Insurance Rates In California
Since auto insurance rates are determined by personal factors, the cheapest rate for you depends on specific info about you and your vehicle. Below you can see who offers the cheapest California car insurance rates for each category we analyzed:
*These monthly car insurance rates are for full coverage policies.
**For 16-year olds
More: Cheapest Car Insurance
Cheapest Car Insurance Companies In California
Insurance companies offering the top five cheapest auto insurance rates in California are:
- Geico
- USAA*
- Mercury
- Progressive
- CSAA
While it tops our list of cheapest car insurance companies in California, USAA auto insurance is only available to military members, veterans and their families. You can click on any of the providers above to learn more or find out more about the state’s cheapest car insurance companies by large and medium-sized providers below.
Cheapest Large Insurance Companies in California
According to J.D. Power, a large insurer is one that has written $4.5 million or more in direct premiums for personal auto lines. The cheapest large car insurance companies in California are Geico, Progressive, State Farm, Allstate, Farmers and USAA. You can find out more about the minimum and full coverage premium costs, along with the number of discounts and the cost rating our team gave each provider in the table below.
*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in California.
Note: While USAA auto insurance is the cheapest, it is only available to military members, veterans, and their families
More: Largest Car InsuranceCompanies
Cheapest Mid Size Insurance Companies in California
J.D. Power classifies mid-size insurers as those that have written between $1 and 4.5 billion in direct premiums for personal auto lines. Mercury is the cheapest overall mid-size insurance company in California, according to our research, offering rates at an average of $558 per year for minimum coverage and $1,748 per year for full coverage.
*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in California.
Note: CSAA is an AAA insurer that offers automobile and homeowners insurance in California.
Car insurance rates are tailored to individual drivers and vary widely based on location, driving record and several other key factors. In the following sections, we share the best rate estimates for drivers in a variety of categories. This information can give you a more accurate idea of what you might pay for coverage and who could offer you the lowest rates.
Cheapest Car Insurance Coverage in California
The coverage level you choose impacts how much you pay for car insurance. Most estimates you receive include minimum liability and full-coverage quotes. Below, we highlight providers offering the cheapest of both coverage options in California:
Cheapest Liability Car Insurance in California
The cheapest car insurance our researchers could find for California drivers was $31 per month for a minimum coverage policy from Geico:
