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.
If you own a car, car insurance is a required expense in 48 of the 50 states. A lack of diligence when shopping for your car insurance could lead to a hefty monthly bill, as well as headaches if you actually need to file a claim. We researched and explored quotes from over 128 companies in 2,700 cities to determine which insurers had the lowest costs, nationally and in each state. Our team also evaluated which companies had the best track record for customer service and the claims process.
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.
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.
Save on car insurance in Texas
Whether you live in Dallas, Austin, Houston, or anywhere in the Lone Star State, Elephant Auto Insurance has you covered. Elephant offers affordable auto insurance coverage and many other products to Texas drivers. If you’re looking for the cheapest car insurance, our many discounts can help you save on Texas auto insurance. Get a car insurance quote online or call one of our licensed agents at 1-877-21-TRUNK.
- You could save over $500 when you switch to Elephant*
- Multiple discounts available, worth up to 40%
- Nationwide claims service and friendly claims agents available 24/7
We’ve provided some information below that we hope will be helpful in answering your questions about getting affordable car insurance in Texas.
Texas car insurance coverages
Texas auto insurance coverage requirements can be different from other states. Your policy must meet the following minimum limits of liability:
- $30,000 for the death or injury of any one person, any one accident
- $60,000 for all persons in any one accident
- $25,000 for any one accident
This basic coverage is often referred to as 30/60/25 coverage and is required by all drivers in Texas. However, with car insurance, the more coverage you have, the less it will cost you out of pocket if you get in an accident.
For more information on how to select the right level of coverage for you visit our Car Insurance Coverages FAQ page.
Other questions about driving in Texas?
Visit the Texas Department of Motor Vehicles website for information on registering your car, driver’s licenses, and SR22s.
Get a free auto insurance quote for Texas
You can get a Texas car insurance quote online or call us at 1-855-ELEPHANT. From paying your bill, to making changes to cars or drivers on your policy, to reporting a claim – Elephant is available 24 hours a day, 365 days a year.
Questions about your Elephant Auto Insurance policy renewal?
Please give one of our expert agents a call at 1-855-ELEPHANT, to review your policy. We may be able to save you money!
Fee schedule FAQs
What if my payment is attempted and it fails?
Unfortunately, since we may incur fees for declined payments, Elephant charges a $35.00 Insufficient Funds Fee (NSF Fee) whenever an automatic payment attempt is declined.
A $10.00 late fee may also be charged if payment is not received by the close of business the day after your due date.
What if I know that I will not have enough money in my account?
Customers may contact Elephant at 1-855-ELEPHANT and request that their payment not be attempted. However, to cover bank costs, Elephant may charge certain administrative fees, including:
- A $35.00 Insufficient Funds Fee
- A $10.00 late fee (charged two (2) days after your due date)
To make sure that every request can be entered correctly into our billing system, we ask that customers call in at least 3 days before their due date. Any request made less than three days prior to your due date will be entered into our queue, but we cannot guarantee that your balance due will not be attempted.
Once your due date has passed, you will receive a notice in the mail explaining the full past-due balance, and will need to call payment into our office or mail in a check to keep your policy active.
If I make partial payments before my due date, will I be charged multiple installment fees?
No, installment fees are charged on a per installment basis. So, if you have ten (10) installments to pay over the course of your twelve (12) month policy, you will be assessed ten (10) installment fees.
The actual amount of the fee will vary based upon your pay plan.
See the Fee Schedule Chart below.
When is my installment fee applied to my account?
Installment fees are applied on a monthly basis, either when your account is billed, or when you make your monthly payment.
What is an “NSF” Fee? When could it be applied to my account?
An NSF Fee is an “Insufficient Funds” Fee. This fee is only applied if the payment method you have on file is declined by your bank or credit card company for insufficient funds. When this happens, a fee of $35.00 is immediately applied to the account.
When can a late fee be applied to my account?
Late fees are only applied if a customer misses their payment due date – they apply to all policies with the exception of the “Paid in Full” option.
All late fees are applied two (2) days after the payment due date. So, if you make your payment the day after your due date, there will be no late fee! If not, a $10.00 fee will be applied to your account.
What is a reinstatement fee?
This is a $10.00 fee that is applied to your account for a reinstatement related to non-pay cancellations. For example, if you miss your payment due date, and cannot pay before the cancellation date on your non-pay cancellation notice, a $10.00 fee will be applied to your account if and only if you decide to reinstate your policy. Elephant will never charge you a reinstatement fee if your policy has been canceled in error.
What is an SR-22 fee?
This fee is when submission of an SR-22 is requested by the policyholder. According to the Safety Responsibility or Evidence of Financial Responsibility law, persons whose driving privilege has been suspended or revoked for an accident, conviction, or judgment are required to file and maintain a Form SR-22 with the Department of Public Safety. If you feel that you may be required to file an SR-22, contact the Department of Public Safety for further clarification.
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.»
Whether you need a free car insurance quote or are just shopping around, by filling out our easy-to-use form, we’ll find the best and cheapest full coverage car insurance options tailored to your insurance needs. At Cheap Car Insurance, we are the simplest and safest way to save money on your car insurance!
1. Insure Multiple Cars/Drivers to Reduce Insurance Costs
If you obtain a quote from an auto insurance company to insure a single vehicle, you might end up with a higher quote per vehicle than if you inquired about insuring several drivers and/or vehicles with that company. Insurance companies will offer what amounts to a bulk rate because they want your business, and under some circumstances, they are willing to give you a deal if it means you’ll bring in more of it.
Ask your insurance agent to see if you qualify. Generally speaking, multiple drivers must live at the same residence and be related by blood or by marriage. Two non-related people may also be able to obtain a discount; however, they usually must jointly own the vehicle.
If one of your drivers is a teen, you can expect to pay more to insure them. But, if your child’s grades are a B average or above, you may be able to get a discount on their coverage. These discounts can range from 6% to 20%, so be sure to show proof to your insurance agent that your teen is a good student.
Incidentally, some companies may also provide an auto insurance discount if you maintain other policies with the firm (e.g. homeowner’s insurance). Check to see if such discounts are available and applicable.
2. Keep a Clean Driving Record
It should go without saying that the more accidents or moving violations an individual has, the more he or she will tend to pay in terms of annual premiums. For those unaware, points are typically assessed to a driver for moving violations. Generally speaking, more points can lead to higher insurance premiums (all else being equal).
3. Take a Defensive Driving Course
Sometimes insurance companies will provide a discount for those who complete an approved defensive driving course. Drivers may also be able to reduce the number of points he or she has on his or her license by taking a defensive driving, accident prevention or other course. (For related reading, see: Beginner’s Guide to Auto Insurance.)
Make sure to directly ask your agent/insurance company about this discount before signing up for a class. After all, it’s important that the effort being expended and the cost of the course translates into a big enough insurance savings. It’s also important that the driver sign up for an accredited course.
4. Shop Around If Your Premium Increases
If your policy is about to renew and the annual premium has gone up markedly, consider shopping around and obtaining quotes from competing companies. Also, every year or two it probably makes sense to obtain quotes from other companies just in case there is a lower rate out there.
Remember, cheap doesn’t always mean good, and going with the lower-priced company isn’t always the wisest decision. That’s because the insurer’s creditworthiness should also be considered. After all, what good is a policy if the company doesn’t have the wherewithal to pay an insurance claim? To run a check on a particular insurer, consider checking out a site that rates the financial strength of insurance companies. Financial strength of your insurance company is important but, what your contract covers is also very important so, make sure you understand your insurance contract. (For related reading, see: Top Tips for Cheaper, Better Car Insurance.)
5. Take Mass Transit
When you sign up for insurance, the company will generally issue you a questionnaire. Among the questions it asks might be the number of miles you drive the insured automobile per year.
If you use your vehicle to commute three hours to work every day, you will generally pay more in insurance premiums than someone who only drives one mile a day. If possible, try to use mass transit to rack up fewer miles, keeping in mind you will usually have to decrease your mileage significantly before incurring a discount. Ask your insurance company about the company’s different mileage thresholds so your efforts won’t be wasted.
6. Select Your Vehicle Carefully
Buying a huge SUV may sound exciting, but insuring a 5,000-pound, top-of-the-line vehicle can be more expensive than insuring a small (but safe) lower-cost commuter car. Some insurers will offer a discount if you buy a hybrid or alternative fuel vehicle. You can feel good about protecting the environment and save money on insurance at the same time. Find out the exact rates to insure the different vehicles you’re considering before making a purchase. (To learn more, see: Wheels Of A Future Fortune.)
7. Consider Raising Your Deductibles
When selecting car insurance, you can typically choose a deductible, or the amount of money you would have to pay before insurance picks up the tab in the event of an accident, theft or other type of damage to the vehicle. Depending on the policy, deductibles typically range from $250 to $1,000. The catch is, generally speaking, the lower the deductible, the higher the annual premium. Conversely, the higher the deductible, the lower the premium. Ask your agent how your premium might be affected if you raised your deductible. It may make the annual premium better by several percentage points and put some money back in your pocket, or the savings may be minimal.
8. Improve Your Credit Rating
A driver’s record is obviously a big factor in determining auto insurance costs. After all, it makes sense that a driver who has been in lots of accidents could cost the insurance company lots of money. However, folks are sometimes surprised to find that insurance companies may also consider credit ratings when determining insurance premiums.
Why is a person’s credit rating considered? “Many insurers use credit-based insurance scores,” says Mike Barry, vice president for media relations of the Insurance Information Institute. “It’s a contentious issue in certain state houses…[but] insurers will say their studies show that if you’re responsible in your personal life, you’re less likely to file claims.” Regardless of whether that’s true, be aware that your credit rating can be a factor in figuring insurance premiums and do your utmost to keep your credit rating high. (For more on this topic, read How an Insurance Company Determines Your Premiums.)
9. Pay Attention to Where You Live
It’s unlikely that you will move to a different state simply because it has lower car insurance rates. However, when planning a move, the potential change in your car insurance rate is something you will want to factor into your budget.
10. Drop Unnecessary Coverage
Dropping certain types of coverage can be a slippery slope. After all, nobody can predict if or when an accident will occur. However, if an individual is driving an extremely old automobile that’s on its last legs, it may make sense (depending on the cost, the individual’s driving record and other factors) to drop collision or comprehensive coverage. The reason for this is were the vehicle to be involved in an accident, the insurance company would likely total the car. If the value of the car is only $1,000 and the collision coverage costs $500 per year, it may not make sense to buy it.
11. Install Anti-Theft Devices on Your Car
Individuals have the potential to lower their annual premiums, sometimes by as much as several percent, if they install anti-theft devices. Your insurance company should be able to tell you specifically which devices, when installed, can lower premiums. Car alarms and LoJacks are two types of devices you might want to inquire about. If your primary motivation for installing an anti-theft device is to lower your insurance premium, consider whether the cost of adding the device will result in a significant enough savings to be worth the trouble and expense.
12. Ask Your Agent Questions
It’s important to note there may be other potential cost savings to be had in addition to the ones described in this article. In fact, that’s why it often makes sense to ask if there are any special discounts the company offers for individuals such as military personnel or employees of a certain company. You never know what sort of discount pricing might be available for your circumstances.