For the general population, Geico offers the cheapest car insurance quotes on average nationwide. NerdWallet found an average rate of $1,297 a year in our study.
Geico also provides a variety of easy-to-score discounts that can cut costs. Motorists who’ve gone five years without an accident qualify for the company’s good driver discount. There are also opportunities to save by insuring multiple vehicles, driving a car with air bags, always wearing seat belts and taking advantage of various other discounts.
State Farm ranks second for pricing among the four largest companies, but with an average quote of $2,296 per year, nearly $1,000 per year higher than Geico. The good news is drivers have ample opportunity to trim their costs, especially if they have a clean driving record. Among other savings opportunities, State Farm offers four separate discounts that deal with safe and accident-free driving.
State Farm is the nation’s leading car insurance provider in terms of market share, offering a vast array of insurance products and financial services in every state plus Washington, D.C.
Progressive returned an average quote of $2,821 per year, which comes out to $235 a month. That’s $525 a year higher than State Farm and more than double the cost of Geico.
Progressive may appeal to drivers looking for a paper- and agent-free experience. You can manage your policy entirely online. Starting a quote online and signing policy documents electronically are also two ways to qualify for discounts, along with things like bundling auto and home insurance and insuring multiple cars.
Of the four largest insurers, Allstate had the highest average annual quote for good drivers at $3,182, or roughly $265 per month. Although ponying up that kind of cash is a lot to ask, the company has solid finances and relatively few complaints from policyholders. Allstate holds an A+ (Superior) financial strength rating from A.M. Best and has a customer complaint ratio of 0.77, better than the industry median of 1.00, according to data compiled by the National Association of Insurance Commissioners.
Among other discounts, Allstate offers price breaks for safe driving, including savings once you’ve gone accident- and violation-free for three years, and again for five years.
USAA: Best for those with military ties
You may already recognize USAA for its highly rated customer service. But the company has more to offer than a friendly bedside manner — it also notched the cheapest car insurance rates in our study, at $918 a year. USAA offers several discounts to help you save more, including for going more than five years with a clean record and for taking an approved defensive driving course.
USAA is open to active and retired military members and their families, and offers car insurance and other insurance products in all 50 states and Washington, D.C.
Tips for anyone to get cheap car insurance
No matter who your auto insurance company is, here are tips for saving on your policy:
- Look for discounts — even ask for them. There could be discounts you’re not taking advantage of. For instance, maybe you now work from home and are driving less than when you bought your policy. Mention it and you might get a low-mileage discount.
- Rethink your insurance limits and deductibles. Don’t strip away your coverage just for the sake of a lower price. But consider accepting a higher deductible on collision and comprehensive if it makes sense. Raising deductibles means you would owe more out of pocket if you had to file a comprehensive or collision claim. If you rarely drive or are financially comfortable with that risk, though, it’s a surefire way to get cheaper car insurance.
- Cash in on major life changes. Certain life events could translate to cheaper car insurance. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a new city with stellar public transportation. If you’re commuting by train instead of car, your risk for accidents will go down — and your rates just might, too.
NerdWallet’s car insurance comparison tool makes it easy to see side-by-side rates from top companies.
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 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.
Find the Cheapest Auto Insurance Quotes in Your Area
Nationwide is consistently an affordable choice throughout California, followed by Century National and then GEICO.
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.
|Aliso Viejo||Century National||$840|
|Buena Park||Century National||$1,056|
|Canoga Park||Century National||$1,272|
|Chino Hills||Century National||$1,020|
|Chula Vista||Century National||$828|
|Costa Mesa||Century National||$960|
|Daly City||Century National||$1,272|
|Diamond Bar||Century National||$1,188|
|El Cajon||Century National||$792|
|Granada Hills||Century National||$1,488|
|Huntington Beach||Century National||$960|
|La Habra||Century National||$924|
|La Mesa||Century National||$828|
|La Mirada||Century National||$1,056|
|Laguna Niguel||Century National||$840|
|Lake Forest||Century National||$840|
|Mission Viejo||Century National||$840|
|Moreno Valley||Century National||$1,092|
|National City||Century National||$828|
|Newbury Park||Century National||$852|
|North Hollywood||Century National||$1,488|
|Panorama City||Century National||$1,188|
|Pico Rivera||Century National||$1,056|
|Rancho Cordova||Century National||$1,020|
|Rancho Cucamonga||Century National||$1,488|
|San Bruno||Century National||$888|
|San Francisco||Century National||$1,104|
|San Leandro||Century National||$1,056|
|San Pablo||Century National||$1,092|
|San Ramon||Century National||$1,152|
|Santa Clara||Century National||$792|
|South San Francisco||Century National||$828|
|Union City||Century National||$1,020|
|Yorba Linda||Century National||$936|
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Cheap Car Insurance
If you want cheap auto insurance, we’ll show you the lowest possible price
At Progressive, you can save $668 right away and that’s just the beginning!
We’ll let you pick all of your own coverages, so you can get the exact policy and price you want. If you want the absolute most affordable auto insurance possible, we’ll write you a policy and give you proof of insurance immediately. Or, if you want a bit more protection, you can easily add more car insurance coverages.
Here’s our secret to getting the cheapest car insurance possible
Sure, you can get tons of discounts for having a safe driving record, insuring multiple cars on one policy, etc. But, here are the discounts that you can actually get right here, right now. Just start a quote and follow these tips to get low cost auto insurance.
Start your quote online
You’ll get an automatic discount right out of the chute just for starting your quote online. And it’s a big one. The average discount is over 7%.
Bundle renters/home & auto
Bundle property and auto insurance together to save another 5% (or more).†† We’ll ask you to bundle during your quote.
Snapshot is a little device that you plug into your car to tailor your rate to your driving. The safer you drive, the more you save. The average driver saves $150.‡ (We’ll ask you to try it during your quote.) See how Snapshot works.
Get smart with your coverages
This is where you could save the most. During your quote, decline the coverages you don’t need or drop your limits for extra savings.
Pay in full
You can pay monthly or in full for your entire six-month policy. Pay in full and you’ll get another car insurance discount.
Sign documents online
It makes life easier and puts money back in your pocket. After your quote, just sign your policy documents online and you could save another 7%.
See, we make it super easy to get cheap auto insurance! These are just a few savings opportunities. Quote and find more.
Cheap car insurance means what you pay. Not what you get.
At Progressive, there’s no VIP list. It doesn’t matter how much you pay when you start. You’ll still get the same great service and quality protection that all of our other customers get and love. In fact, if you ever do have a claim, we’ll even guarantee your repairs at our Progressive Service Centers and network of repair shops for as long as you own your car.
How’s that for cheap car insurance? Quote now and you’ll get low cost auto insurance immediately and high quality customer service when you need it.
When you compare auto insurance quotes with us you can expect :
- Expert Car Insurance Advice That Saves : ThinkInsure brokers are licensed and highly trained insurance experts. Our insurance brokers will quickly recommend ways for you to save with our many car insurance products and discounts we can offer through our large insurance company partner network.
- Quickly Compare The Cheapest Quotes : We can quickly get you cheap insurance quotes from the best insurance companies, so you’ll get the best rates and coverage for your car insurance needs.
- One Stop Shopping For Car Insurance : We can take care of ALL your car insurance needs — shopping for best quotes, providing expert advice, personalized service and much more!
- Personal Service : All ThinkInsure customers get a dedicated personal service representative to take care of their insurance needs. We take pride in knowing our customers by name and by providing top level customer service.
Working with the top insurance companies, we can get car insurance coverage for any Ontario driver. We understand that you are busy and don’t have hours upon hours to shop around for cheap auto insurance quotes. Let us do the shopping for you and help you get the lowest rates.
1. Shopping Around For Car Insurance Quotes Pays Off
Insurance rates for the same car and driver can vary widely between insurance providers. So when you shop around, you’ll get different rates for the exact same car and driver. That’s where a broker comes it. It’s a broker’s job to find and compare car insurance quotes based on you as a driver, your vehicle and the coverage you need.
2. Save Time – Let A Broker Compare Quotes For You
Licensed brokers have such a wealth of knowledge and a network of providers. A broker will use their knowledge to source insurance that meets your budget and needs.
3. Benefit From A Car Insurance Broker’s Expertise And Experience
As licensed professionals, insurance brokers continually update their education and knowledge. They provide unbiased advice based on your situation and their experience.
What’s Your Unique Driving Situation And Car Insurance Needs?
Speak to us. We’ll compare auto insurance quotes and make sure you get the best rates possible. Even though Ontario insurance rates are the highest rates in Canada, you can have peace of mind that our licensed car insurance brokers will get the cheapest rates and the best insurance coverage.
Basic Liability Car Insurance Coverage
Wherever you live, you’ll need some form of this car insurance to legally drive your car. It covers the expenses for others if you are at fault in an accident. Basic liability covers property damage (like fixing another vehicle if you dent it) and medical or other expenses incurred by the other party.
Comprehensive and Collision Car Insurance Coverage
If your car is not insured and involved in an accident, you might have to pay to rent a car or cover repairs yourself. Comprehensive and Collision coverage as part of your car insurance policy is a much better value because, even if you’re not involved in an accident, you can still be protected against theft, fire, vandalism and windshield damage. Want to reduce your monthly auto insurance payment? Choose a higher deductible.
Uninsured or Underinsured Motorist Car Insurance Coverage
You obviously feel responsible for having auto insurance; unfortunately, not everyone does. That’s why this coverage is required in many states. Even if it’s not required, consider protecting yourself and your family with this car insurance policy so you can make sure you get back on the road-and back to work-quickly.
The Cheap Car Insurance Commitment
We stand behind our commitment to do our best to get you the cheapest auto insurance quotes rates online. Now it’s easier than ever to search and shop for the lowest auto insurance quotes.
Furthermore, we know our customers want the right amount of coverage to help keep their family safe on the road. That’s why we emphasize on red tape removal and streamline processes to help find cheap full coverage car insurance rates and the cheapest insurance companies for our customers.
One Good Reason to Shop With Us
After being with my insurance company for just shy of 10 years, and after having shopped at companies that everyone around my hometown swore were the cheapest (including unadvertised «bargain» companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter.
This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).
Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.
Obviously, not everyone will save nearly as much as I did, but it’s well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years.»
If you’re shopping for car insurance, you know there are certain crucial factors influencing your rate that are out of your hands. Such factors include your age, gender and record of prior claims.
Despite this, there’s a lot you can do to score a lower rate, and your choices bear more power than you might think. Here are 10 tips guaranteed to help you get the best rate possible on your auto insurance.
1. Get more than one rate quote before you commit.
«Company prices are very different, and it pays to shop around. You can easily wind up paying double from one company to the next,» says J. Robert Hunter, director of insurance with the Consumer Federation of America, a national watchdog group.
Want to get a sense of who the low-priced carriers are? The National Association of Insurance Commissioners offers a map on its Web site that lists each state’s regulators. Click on your state and you’re taken to the state’s Department of Insurance Web site. Its consumer buying guide compares insurance premiums across a range of companies. You’ll also learn how many complaints each company has logged. Surprisingly, you don’t have to sacrifice service quality to score a low premium. «A lot of the lower-priced companies have the best service rates,» says Hunter.
2. Evaluate insurance costs before you buy your vehicle.
The year, make and model of your vehicle can have a profound impact on your insurance rate. All else being equal, new, expensive or sporty cars will cost more to insure than older, cheaper and more utilitarian vehicles. But you could find a substantial discrepancy even when comparing the cost to insure similar cars. So if you’ve got a few models on your shortlist, contact your carrier to see what rate each vehicle commands. Doing so could ultimately net you a windfall in savings when the time comes to pay your premium.
3. Go high on deductibles.
If you’re willing to give a little with your deductible, you can wind up saving big on your rates. «If you go from a $250 to a $1,000 deductible, you can save between 25 and 40 percent on your policy,» says Hunter. You can then set aside a portion of these funds to cover your costs in the event of a claim.
4. Nix collision and/or comprehensive coverage on older cars.
If your older car has comp and collision coverage, you might find yourself paying more in insurance than the car is worth. «Take your comp and collision premium and add it up, then multiply it by 10. If your car is worth less than that, don’t buy the coverage,» says Hunter. If you’re worried about being left overexposed, consider this: The typical policyholder makes a claim only once every 11 years, and reports a total loss only once every 50 years.
5. Mind your credit score.
An increasing number of carriers are considering credit scores when making rate calculations. «Your credit score can be very important in determining your rate,» says Hunter. «You can wind up paying up to 50 percent more if you have a bad credit score.» Keep your credit score in tip-top shape by paying bills in a timely manner and by regularly checking that there are no items on your history that do not belong to you.
6. Ask about low-mileage discounts.
Many carriers offer discounts to policyholders whose annual mileage is lower than the norm. Maybe you have a short commute. Or maybe your participation in the office vanpool results in fewer hours spent in your daily driver. Whatever the case, your low mileage can score you a reduced rate with some companies, so be sure to inquire about available discounts.
7. Ask about group insurance discounts.
Oftentimes, insurance companies offer discounts to policyholders who are members of certain organizations or professions, such as veterans, engineers or teachers. Request a list of these groups from your carrier to see if you qualify — you might be pleasantly surprised.
8. Ask about all other discounts.
Some carriers offer discounts to policyholders whose vehicles bear certain safety features, like anti-theft devices or motorized seatbelts. Others give reduced rates to senior citizens, and to students whose grades meet certain requirements. «Many carriers offer discounts. Ask for them when you’re shopping,» says Hunter.
However, Hunter offers one caveat: «Some of the companies that offer the highest discounts have the highest rates, so don’t get toofocused on discounts. Some high-priced companies offer high discounts, but at the end of the day you’re still paying more.»
9. Avoid lapses in coverage.
Even a brief lapse in coverage can disqualify you from receiving discounts. «They use lapses in coverage to increase your premium,» says Hunter. Pay your insurance bills on time. And if you’re switching carriers, make sure not to quit your previous carrier until the new coverage takes effect.
10. Think twice about paying in installments.
Most carriers charge an administration fee to pay in installments. One carrier surveyed levied a $10 charge per installment to those who opted to break up their bill. The solution? Pay your premium up front, if at all possible.
Of course, this charge is more significant for those with small premiums. If you’ve got a king-sized premium and feel you’d get a better rate of return by investing your funds elsewhere instead of paying up front, then the installment route will probably best suit your needs.