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    Insurance quotes california

    Car insurance is a little different in California. Car insurance companies are required to focus more on who you are than where you live. And, the use of credit is not permitted, as it is in most other states. Your car insurance rates will be based on the personal information you provide — and your insurance company will verify that information using your MVR and claim history.
    Your driving record, annual mileage and the number of years licensed are the three most important factors for California insurance rates. Your home address is also important, but Proposition 103 keeps rates relatively lower in urban areas. Some insurance companies ask about your education, occupation, or grades in college. And, the coverage, deductibles, and safety features of the cars you drive will determine your final rate.
    Minimum requirements for California car insurance
    It’s illegal to drive in California if you do not have an auto insurance policy with coverage that meets minimum levels set by state law, which includes:
    Bodily injury liability: $15,000 for death or injury of any one person, any one accident; $30,000 for all persons in any one accident.
    Property damage liability: $5,000 for any one accident.
    Drivers who do not purchase automobile insurance coverage can still satisfy state requirements through authorized alternative means. This includes leaving a cash deposit of $35,000 with the California Department of Motor Vehicles (DMV), or obtaining a surety bond for $35,000 from an insurance company licensed to do business in the state. Owners of fleets of 25 or more vehicles can also obtain a certificate of self-insurance from the DMV.
    California graduated driver’s license program
    Under California’s graduated driver license law, teens who wish to drive must go through a two-step process starting no earlier than age 15 ½.
    First, they must apply for a provisional permit, which allows them to operate a vehicle other than a motorcycle or moped when accompanied by a licensed parent or guardian, or a licensed California driver over the age of 25.
    Second, they can apply for a provisional driver’s license six months after getting a provisional permit and meeting other requirements. When a provisional license is granted, drivers under age 18 still face some restrictions during their first year behind the wheel. For example, they must be accompanied by a parent/guardian or other person designated by law when they transport passengers under 20 years of age at any time. In addition, they cannot drive between 11 p.m. and 5 a.m. for the first 12 months.
    The California Department of Motor Vehicles website has more information about requirements for both the provisional permit and the provisional license.
    Car insurance costs are much higher for teen drivers than for drivers in other age groups. A car insurance comparison will show that some car insurance companies charge less to cover teens than others insurers. For that reason, running several auto insurance quotes can help younger drivers, and their parents, find an insurer with the lowest rates.
    California car seat law
    In California, all children under the age of 8 must be secured in a car seat or a booster seat in the vehicle’s back seat. However, parents may secure children under the age of 8 with seat belts as long as the child is at least 4 feet, 9 inches tall. These children must continue to ride in the back seat.
    The California Highway Patrol offers instruction in securing a child properly. Parents can find the closest office to their home by visiting the California Highway Patrol website.
    California motorcycle helmet law
    All motorcycle, motor-driven cycle and motorized bicycle drivers and passengers must wear helmets in California. The helmet must:
    — Comply with Department of Transportation safety requirements.
    — Remain fastened with helmet straps.
    — Fit securely without excessive lateral or vertical movement.
    The California Department of Motor Vehicles offers more information at its website.
    California DUI penalties
    The legal blood alcohol content level for California adults of drinking age is 0.08 percent. Drivers under age 21 must not exceed a blood alcohol content level of 0.01 percent or license will be suspended for one year. There is a zero-tolerance policy for drivers under age 18.
    Potential penalties associated with a DUI in California include:
    — Jail time of 96 hours to six months.
    — A base fine of between $390 and $1,000
    — License suspension for six months.
    — Requirement to complete a DUI program.
    — An order to install ignition interlock device.
    — California SR-22 car insurance requirement.
    Drivers who refuse a Breathalyzer test will have their license suspended for one year. A second offense within 10 years triggers a two-year suspension, and a third offense within 10 years results in to a three-year revocation.
    A DUI stays on a California motor vehicle record for 10 years, during which time state laws prohibit such drivers from being eligible for a good driver discount. If you have a DUI on your record, it’s important to compare car insurance rates at least yearly.
    California SR-22 rules
    There are several situations where drivers may need to obtain an SR-22 insurance form. The SR-22 form is filed, by a driver’s car insurance company, with the state and verifies that the driver is carrying auto insurance up to an amount required by the state. Typically, California drivers mandated to maintain an SR-22 filing must do so for three years.
    Drivers convicted of a DUI will need to file an SR-22 car insurance form. Drivers also may need to file if they’ve had an administration suspension (also known as admin per se), if they get into an accident when they are not carrying automobile insurance coverage, or if they are reinstating a driver’s license after a suspension or revocation.
    Auto insurance rates in California are among the most expensive in the nation, on average, but costs vary widely between different cities and insurers. Our team analyzed cost data to provide drivers in California with better information in their search to find affordable car insurance quotes from the best-rated companies.
    Our analysis found that, depending on where you live, the cost of insuring a car can range by over a thousand dollars between companies. This is why, to get low rates, consumers should shop around and compare quotes. Enter your zip code above now to compare auto insurance rates among top U.S. insurers in your area, or read more by jumping directly to each section in our study.
    Cheapest Auto Insurance Companies
    Best Car Insurance Rates: by City
    Best Car Insurance in California
    Average Cost of Auto Insurance: by City
    Minimum Auto Insurance Requirements
    Cheapest Auto Insurance in California
    We averaged rates for single 30 year old male, with a clean driving record across 142 cities in California to arrive at annual premiums by company. Here are the top ten car insurance companies with the best rates in the Golden State, in order from lowest to highest.
    Graph of the Five Cheapest Car Insurance Companies in California
    Find the Cheapest Auto Insurance Quotes in Your Area
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    Nationwide is consistently an affordable choice throughout California, followed by Century National and then GEICO.
    Rank Company Annual Rate
    1 Nationwide $1,137
    2 Century National $1,162
    3 GEICO $1,211
    4 Grange $1,357
    5 State Farm $1,453
    6 Allied $1,633
    7 Progressive $1,674
    8 Unitrin $1,753
    9 Kemper Specialty $2,518
    10 Bristol West $2,730
    Cheapest Car Insurance in California: By City
    We reviewed auto insurance quotes for thirty driver profiles and forty companies in the largest cities to report on the insurers with the lowest and most affordable rates. Even in some of the most expensive cities such as Glendale, Inglewood, and Los Angeles, cheap car insurance can be found if you know where to look.
    City Company Annual Rate
    Alameda GEICO $1,042
    Nationwide $1,176
    Century National $1,332
    Alhambra GEICO $1,385
    Nationwide $1,488
    Century National $1,500
    Aliso Viejo Century National $840
    Nationwide $1,008
    State Farm $1,104
    Anaheim GEICO $1,124
    Nationwide $1,176
    Century National $1,416
    Antioch Nationwide $1,020
    Century National $1,056
    GEICO $1,156
    Azusa Century National $1,188
    Nationwide $1,224
    GEICO $1,367
    Bakersfield Nationwide $960
    GEICO $1,040
    Century National $1,056
    Baldwin Park Nationwide $1,152
    GEICO $1,309
    Century National $1,356
    Bell Gardens Nationwide $1,344
    GEICO $1,361
    Century National $1,440
    Bellflower Century National $1,188
    Nationwide $1,236
    GEICO $1,364
    Brentwood Nationwide $1,008
    Century National $1,056
    GEICO $1,134
    Buena Park Century National $1,056
    Nationwide $1,128
    GEICO $1,218
    Burlingame Century National $984
    Nationwide $1,056
    GEICO $1,071
    Calexico Century National $900
    Nationwide $912
    GEICO $1,126
    Campbell GEICO $936
    Nationwide $984
    Century National $1,068
    Canoga Park Century National $1,272
    GEICO $1,452
    Grange $1,512
    Carmichael Nationwide $1,152
    GEICO $1,178
    Grange $1,428
    Carson Nationwide $1,116
    GEICO $1,305
    Century National $1,356
    Castro Valley Nationwide $1,068
    GEICO $1,120
    Grange $1,260
    Cerritos Century National $1,188
    Nationwide $1,236
    GEICO $1,251
    Chino Century National $1,020
    Nationwide $1,032
    GEICO $1,282
    Chino Hills Century National $1,020
    Nationwide $1,140
    GEICO $1,215
    Chula Vista Century National $828
    Nationwide $936
    GEICO $1,086
    Colton Century National $1,020
    Nationwide $1,068
    GEICO $1,222
    Corona Century National $1,092
    GEICO $1,104
    Nationwide $1,104
    Costa Mesa Century National $960
    Nationwide $1,008
    GEICO $1,215
    Cupertino GEICO $851
    Century National $972
    Nationwide $996
    Cypress Century National $1,056
    Nationwide $1,080
    Grange $1,260
    Daly City Century National $1,272
    Nationwide $1,296
    GEICO $1,371
    Diamond Bar Century National $1,188
    Nationwide $1,272
    State Farm $1,404
    El Cajon Century National $792
    Nationwide $1,008
    GEICO $1,086
    El Monte GEICO $1,403
    Nationwide $1,440
    Century National $1,500
    Elk Grove GEICO $1,145
    Nationwide $1,176
    Grange $1,284
    Encinitas Century National $792
    Nationwide $948
    GEICO $1,119
    Escondido Century National $828
    Nationwide $876
    GEICO $1,030
    Fair Oaks GEICO $1,150
    Nationwide $1,164
    Grange $1,404
    Fairfield GEICO $1,012
    Nationwide $1,056
    Grange $1,236
    Folsom GEICO $1,024
    Nationwide $1,068
    Grange $1,284
    Fontana Century National $1,020
    Nationwide $1,068
    GEICO $1,275
    Fountain Valley Nationwide $1,104
    GEICO $1,109
    Century National $1,140
    Fremont GEICO $988
    Nationwide $1,032
    Century National $1,104
    Fresno GEICO $976
    Nationwide $1,008
    State Farm $1,272
    Fullerton GEICO $1,092
    Century National $1,092
    Nationwide $1,212
    Garden Grove Nationwide $1,128
    GEICO $1,232
    Century National $1,416
    Gardena GEICO $1,275
    Nationwide $1,296
    Century National $1,356
    Gilroy Nationwide $936
    GEICO $963
    Century National $1,068
    Granada Hills Century National $1,488
    Grange $1,536
    Nationwide $1,584
    Hacienda Heights GEICO $1,318
    Nationwide $1,320
    Century National $1,356
    Hanford Nationwide $912
    GEICO $966
    Grange $1,020
    Hawthorne Century National $1,356
    Nationwide $1,404
    GEICO $1,471
    Hayward Nationwide $1,104
    GEICO $1,163
    Century National $1,332
    Hesperia Century National $972
    Nationwide $1,008
    Grange $1,152
    Highland Century National $996
    Nationwide $1,020
    GEICO $1,282
    Huntington Beach Century National $960
    Nationwide $1,116
    State Farm $1,176
    Huntington Park Nationwide $1,284
    GEICO $1,361
    Indio Nationwide $972
    Century National $1,092
    Grange $1,128
    La Habra Century National $924
    Nationwide $1,140
    Grange $1,248
    La Mesa Century National $828
    Nationwide $864
    GEICO $1,086
    La Mirada Century National $1,056
    Nationwide $1,272
    Grange $1,296
    La Puente Nationwide $1,176
    Century National $1,356
    GEICO $1,371
    Laguna Niguel Century National $840
    Nationwide $1,020
    State Farm $1,104
    Lake Forest Century National $840
    Nationwide $1,032
    GEICO $1,126
    Lancaster GEICO $1,116
    Nationwide $1,176
    Century National $1,236
    Lincoln Nationwide $960
    GEICO $1,008
    Grange $1,212
    Livermore GEICO $977
    Nationwide $984
    Grange $1,092
    Lompoc Nationwide $792
    Century National $876
    GEICO $904
    Long Beach Nationwide $1,176
    Century National $1,188
    GEICO $1,403
    Los Angeles GEICO $1,533
    Century National $1,668
    Nationwide $1,704
    Lynwood GEICO $1,381
    Century National $1,440
    Nationwide $1,452
    Martinez Nationwide $1,020
    GEICO $1,044
    Century National $1,056
    Milpitas GEICO $985
    Nationwide $1,032
    Century National $1,104
    Mission Viejo Century National $840
    Nationwide $936
    GEICO $1,081
    Modesto GEICO $1,094
    Nationwide $1,188
    Grange $1,368
    Montebello Century National $1,188
    GEICO $1,338
    Nationwide $1,368
    Moreno Valley Century National $1,092
    Nationwide $1,128
    GEICO $1,282
    Murrieta Century National $948
    Nationwide $1,020
    Grange $1,092
    Napa Nationwide $972
    Century National $1,008
    GEICO $1,080
    National City Century National $828
    Nationwide $1,104
    GEICO $1,140
    Newbury Park Century National $852
    Nationwide $1,056
    GEICO $1,102
    North Hills Nationwide $1,440
    Century National $1,488
    Grange $1,596
    North Hollywood Century National $1,488
    Grange $1,644
    GEICO $1,798
    Norwalk Nationwide $1,164
    Century National $1,188
    GEICO $1,318
    Oakland Century National $828
    Nationwide $924
    GEICO $1,077
    Oceanside Century National $1,020
    Nationwide $1,032
    GEICO $1,182
    Ontario GEICO $1,086
    Century National $1,104
    Nationwide $1,164
    Oxnard Nationwide $1,344
    Century National $1,356
    Grange $1,548
    Pacoima GEICO $1,109
    Nationwide $1,236
    Grange $1,296
    Palmdale Century National $1,488
    Grange $1,632
    Nationwide $1,668
    Panorama City Century National $1,188
    Nationwide $1,272
    GEICO $1,329
    Paramount Century National $1,188
    Nationwide $1,212
    GEICO $1,338
    Pico Rivera Century National $1,056
    GEICO $1,110
    Nationwide $1,116
    Pittsburg Nationwide $1,080
    Century National $1,092
    GEICO $1,213
    Placentia Nationwide $1,140
    Century National $1,188
    GEICO $1,363
    Pomona GEICO $861
    Nationwide $972
    Century National $1,056
    Porterville Century National $828
    Nationwide $888
    GEICO $1,077
    Poway GEICO $1,012
    Nationwide $1,200
    Grange $1,416
    Rancho Cordova Century National $1,020
    Nationwide $1,092
    State Farm $1,308
    Rancho Cucamonga Century National $1,488
    Nationwide $1,512
    Grange $1,572
    Reseda Century National $1,020
    Nationwide $1,236
    GEICO $1,282
    Rialto Nationwide $1,020
    Century National $1,020
    GEICO $1,219
    Riverside Nationwide $1,224
    GEICO $1,293
    Century National $1,500
    Rosemead Nationwide $1,056
    GEICO $1,150
    Century National $1,284
    Roseville Nationwide $1,188
    Century National $1,356
    GEICO $1,456
    Rowland Heights GEICO $1,413
    Century National $1,428
    Nationwide $1,464
    Sacramento Nationwide $912
    Century National $984
    GEICO $1,108
    Salinas Century National $1,020
    Nationwide $1,080
    GEICO $1,084
    San Bernardino GEICO $1,138
    Nationwide $1,152
    Century National $1,272
    San Bruno Century National $888
    GEICO $967
    Nationwide $996
    San Diego GEICO $1,252
    Nationwide $1,272
    State Farm $1,512
    San Francisco Century National $1,104
    GEICO $1,126
    Nationwide $1,212
    San Jose GEICO $1,076
    Nationwide $1,080
    Century National $1,332
    San Leandro Century National $1,056
    GEICO $1,237
    Nationwide $1,272
    San Pablo Century National $1,092
    Nationwide $1,224
    State Farm $1,440
    San Pedro Nationwide $1,080
    GEICO $1,155
    Century National $1,188
    San Rafael Nationwide $936
    GEICO $1,012
    Century National $1,056
    San Ramon Century National $1,152
    Nationwide $1,188
    GEICO $1,271
    Santa Ana Nationwide $1,020
    Century National $1,068
    GEICO $1,120
    Santa Clara Century National $792
    Nationwide $876
    GEICO $973
    Santee GEICO $1,081
    Nationwide $1,188
    Grange $1,260
    Simi Valley Nationwide $1,308
    Century National $1,440
    GEICO $1,493
    South Gate GEICO $1,062
    Nationwide $1,140
    Century National $1,272
    South San Francisco Century National $828
    Nationwide $912
    GEICO $1,059
    Spring Valley Nationwide $1,104
    Century National $1,248
    GEICO $1,396
    Stockton Nationwide $972
    Century National $1,068
    GEICO $1,120
    Sunnyvale Century National $1,356
    Grange $1,404
    Nationwide $1,428
    Sylmar Nationwide $972
    Century National $1,020
    GEICO $1,087
    Temecula Nationwide $1,068
    Century National $1,104
    State Farm $1,296
    Torrance Nationwide $1,008
    GEICO $1,120
    Grange $1,152
    Tracy Nationwide $936
    Century National $1,056
    GEICO $1,160
    Tulare Nationwide $1,068
    Century National $1,092
    GEICO $1,146
    Tustin GEICO $1,114
    Nationwide $1,140
    Century National $1,332
    Union City Century National $1,020
    Nationwide $1,056
    GEICO $1,182
    Upland Nationwide $924
    GEICO $1,012
    Grange $1,128
    Vacaville GEICO $1,062
    Nationwide $1,140
    Century National $1,188
    Vallejo Century National $1,488
    Grange $1,548
    GEICO $1,663
    Van Nuys Nationwide $972
    GEICO $974
    Century National $1,092
    Ventura Century National $1,188
    Nationwide $1,200
    GEICO $1,385
    Walnut Century National $948
    Nationwide $984
    GEICO $1,015
    Watsonville Century National $960
    Nationwide $1,116
    State Farm $1,380
    Westminster GEICO $1,079
    Century National $1,092
    Nationwide $1,164
    Yorba Linda Century National $936
    Nationwide $1,020
    GEICO $1,087
    Yucaipa GEICO $1,476
    Progressive $1,576
    Bristol.West $3,996
    Car Insurance in Los Angeles, CA
    The cheapest car insurance rates in Los Angeles were found at GEICO, Century National and Nationwide. Car insurance in LA can cost on average $2,257 for a 30 year old male, making it the second most expensive city in our study. However, if you go with quotes from our five cheapest companies in LA, then rates are about 30% cheaper than the average. Here are rates for the top five.
    This graph shows the five auto insurance companies with the lowest annual rates for our Los Angeles drivers
    Within L.A. county rates can change dramatically. Even jumping one or two zip codes over within Los Angeles can make a difference for Angelenos. Moving the primary garage or parking spot from Long Beach to Walnut, for example, can reduce annual car insurance premiums by $259 for a 30 year old male. Overall the average rate of L.A. county is $1,780, with 25% of cities having rates under $1,700 for our sample driver. Overall, Walnut is the cheapest at $1,483 and Los Angeles proper the most expensive at $2,257.
    Car Insurance in San Diego, CA
    With 1.3 million residents, America’s Finest City is home to the University of California at San Diego system, as well as a number of naval bases. Cheap car insurance rates can be found at GEICO, Nationwide, State Farm, Grange Insurance Association and Progressive. Across these five insurers, annual rates cost as low as $1,446 on average, compared to $1,950 city-wide average. Below are rates for the top five companies.
    Our graph shows how the top five cheapest auto insurance companies in San Diego stack up to the citywide average.
    Car Insurance in San Jose, CA
    Drivers looking for low car insurance costs in San Jose should start with quotes from GEICO, Nationwide and Century National. The mean annual premium from these three insurers was $1,163 based on our data, which is about 49% cheaper than the overall average in San Jose. Citywide, the cost of car insurance is about $1,731 a year, which places the Capital of Silicon Valley at the 93rd cheapest spot in our survey of Californian cities.
    We averaged quotes across multiple carriers and found that these car insurers had the five cheapest rates.
    Car Insurance in San Francisco, CA
    To get the cheapest car insurance rates in San Francisco, start with Century National, GEICO, Nationwide, Grange and State Farm. In aggregate, these companies charge an average of $1,288 a year to insure a car in San Francisco — about 32% less than the city average. Overall, the Golden Gate City was the 55th most expensive city in California. With over 963 miles of public roads and the beautiful 49-Mile Scenic Drive, there is a lot of territory for San Fran’s 805,000 residents to drive.
    This graph highlights the five companies with the best car insurance rates in SF and compares them to the citywide mean.
    Car Insurance in Fresno, CA
    Fresno’s 495,000 residents are just a short day trip’s drive of less than 80 miles from Yosemite and Sequoia National Parks. We found the most affordable car insurance rates in Fresno at GEICO, Nationwide and State Farm. Across those three insurers, the mean price was $1,085 for our sample 30 year old driver. This amount represents a 46% discount to the average Fresno rate. Rates for the top five cheap insurers are as follows:
    This bar chart shows the five lowest auto insurance rates for our Fresno driver
    Car Insurance in Long Beach, CA
    If you’re looking for cheap auto insurance in Long Beach, we direct your attention to quotes at Nationwide, Century National and GEICO. These companies had the lowest rates for Long Beach in our data with an average rate of $1,256; a 39% difference from the citywide average of $1,742. The top five cheapest insurers in Long Beach are:
    This image has the five least expensive car insurers in Long Beach based on our quote analysis.
    Car Insurance in Sacramento, CA
    Once the center of the California Gold Rush and the westernmost end of the Pony Express, Sacramento today is the capital of California, and its average cost of insurance reflects that. Within the city, Nationwide, Century National and GEICO had the lowest auto insurance costs. In aggregate, the three companies had an average quote of $1,001 ,or 30% cheaper than the Sactown average. The graph below has rates from Sactown’s five cheapest companies:
    Here are the five companies with the least expensive auto insurance rates in Sacramento, CA.
    Car Insurance in Oakland, CA
    With a population of 391,000, Oaktown is California’s eight largest city. With an average rate of $1,408 for our sample driver, Oakland was 12th cheapest city in the entire state. We found the cheapest car insurance rates in Oakland at Century National, Nationwide and GEICO. In total,annual premiums in Oakland at these three companies averaged $943 – 49% lower than the overall cost in the city. Here are the average rates for the five cheapest companies in Oakland:
    The five most affordable auto insurance companies in Oakland are shown in this graph.
    Car Insurance in Bakersfield, CA
    The most affordable rates in Bakersfield, CA can be found at Nationwide, GEICO and Century National according to our data. With an overall city auto insurance average of $1,526, the city ranks as the 39th cheapest in California. However, going with the four cheapest insurers in the city gave our driver a better rate than the average in California’s cheaper cities. The top five companies in Bakersfield are:
    Here are the five Bakersfield companies that quoted the cheapest rates for our driver.
    Car Insurance in Anaheim, CA
    Home to Disneyland, the Anaheim Ducks hockey team, and the Los Angeles Angels of Anaheim, drivers in this L.A. neighbor city will find the least expensive rates at GEICO, Nationwide and Century National. These three insurers charge an average of $1,239 a year for auto insurance— about 42% less than Anaheim’s citywide cost of $1,760. Here are rates from the top five auto insurers in Anaheim:
    The companies in Anaheim with the best rates for insuring our Toyota Camry are displayed in this graph.
    Best Car Insurance Companies in California
    For Californians, the cheapest car insurance company may not be the best. Certain companies are better for certain types of drivers, so we discuss some insurance companies that may be better for you—depending on your circumstances.
    Best For… Car Insurance Company
    Price Nationwide
    Customer Satisfaction Ameriprise
    Low-Mileage Drivers Metromile
    Military Members USAA
    As we mention above, Nationwide was the best company in California for cheap car insurance. The large auto insurer even bested typically cheap insurers like GEICO and Progressive. In most cities that we surveyed in the Golden State, Nationwide was the go-to company for low cost rates. In terms of the company’s customer satisfaction however, Nationwide is only mediocre according to the 2016 J.D. Power auto insurance study of California. Nationwide scored mostly 3/5 stars in most categories including interaction with agents, and their method of billing. They did score 4/5 stars however when it came to the claims handling process
    Ameriprise was the winner of the 2016 J.D. Power study, scoring a 5/5 stars overall. They got top marks in their billing practices and in the flexibility of policies they offer to customers. They had slightly lower marks in their claims handling process (4/5) as well as their agents’ interaction with customers. We could not get pricing for Ameriprise but the company is generally known for offering affordable and competitive rates.
    Metromile is a newcomer to auto insurance in California. The small car insurer bases its rates largely on how often its customers driver by charging them a rate per mile. The rate is usually in between $0.10 and $0.20. In addition to the rate they also charge a base premium. We found people who drive less than 7,500 miles a year would benefit the most from Metromile. Anything above 7,500 miles begins to cost just as much as regular insurance. The downside to Metromile is that they do not have a great record of customer satisfaction and claims handling. This likely stems from the company being mostly online and not having an agent network.
    If you are or were in the military, or if your spouse or parents were, you are eligible for USAA car insurance. USAA scores five out five stars across the board for customer satisfaction in California. Customers of the military company are apparently very satisfied with how they handle claims, interact with customers and the number of policies they offer.
    The Best Rated Auto Insurers in California
    Using complaint and exposure data from the California Department of Insurance, we calculated the justified complaint ratio for auto insurance companies in California. We’ve listed them from the best (lowest complaint index) to the worst (highest complaint index). If a company has an index of 1.05, then that means it has a 5% higher share of complaints compared to its share of underwriting exposure.
    Auto Insurance in California: Minimum Coverage Requirements
    California requires that car insurance policies have at least bodily injury liability and property damage liability coverages of the limits below:
    Bodily Injury (BI): $15,000 per person / $30,000 per accident
    Property Damage (PD): $5,000 per accident
    While the above is the lowest amount of insurance coverage you can have, you should consider adding more if you have more to lose. For example, we typically advise drivers to match their liability coverage to what they have in total assets. If you own a house in one of the most expensive zip codes in California, Atherton, and have sizable savings and investment accounts, we’d recommend you increase your liability limits and consider adding umbrella coverage on top. On the other hand, if you’re a first-year student at UCLA, you may be fine with liability limits that are closer to the minimums.
    How We Conducted This Study
    We collected quotes from a variety of insurance companies across 142 towns and cities in California. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived in California. The amount of coverage we opted for gave our driver bit more than what is required of state minimums.