Best Car Insurance in California for 2024 | Bankrate (2024)

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Best Car Insurance in California for 2024 | Bankrate (1)Written by

Natalie Todoroff

Best Car Insurance in California for 2024 | Bankrate (2)Edited by

Amelia Buckley

Best Car Insurance in California for 2024 | Bankrate (3)Reviewed by

Mark Friedlander

Best Car Insurance in California for 2024 | Bankrate (4)Edited by

Amelia Buckley

Best Car Insurance in California for 2024 | Bankrate (5)Reviewed by

Mark Friedlander

Updated May 01, 2024

Bankrate’s analysis points to Geico, State Farm and Progressive as some best car insurance companies for California drivers.

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Best car insurance companies in California

According to our research, California drivers pay an average car insurance premium of $2,633 per year for full coverage and $645for minimum coverage. Bankrate’s insurance editorial team determined that Geico, State Farm, Progressive and Mercury are among the best car insurance companies in California. We first analyzed average annual quoted premiums provided by Quadrant Information Services for the largest insurance companies by market share in the Golden State. We also considered coverage options, discounts, digital tools and customer satisfaction scores from the 2023 J.D. Power U.S. Auto Insurance Study. Bankrate knows that California’s insurance market was unstable throughout 2023, and we took extra care to ensure that the providers we chose are still writing new auto policies.

Based on our research, CA drivers might want to get quotes from the following national and regional companies if you are looking for the best auto insurance:

Insurance company

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.

Average full coverage rateAverage min coverage rate

Progressive

4.4

Rating: 4.4 stars out of 5

$2,199

$544

Geico

4.4

Rating: 4.4 stars out of 5

$2,206

$430

State Farm

4.3

Rating: 4.3 stars out of 5

$2,931

$594

Mercury

3.8

Rating: 3.8 stars out of 5

$2,050

$527

Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.

Rates refreshed as of May 2024

Read our full methodology

Progressive

Best Car Insurance in California for 2024 | Bankrate (10)Best Car Insurance in California for 2024 | Bankrate (11)

4.4

4.4

Rating: 4.4 stars out of 5

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.

Bankrate Score

Read Progressive reviewGet a custom quote

Avg. full coverage premium

$183/mo

Avg. full coverage premium

$2,199/yr

Customer satisfaction

809/1,000

  • Why Progressive made our list: Progressive offers potential discounts for online quotes, homeownership, bundling, safe driving and more. Progressive’s digital tools could also save you time managing your account and filing claims. Further, the carrier's Name Your Price tool might be helpful if you are on a strict budget. The tool allows you to input the amount you’re willing to spend on car insurance and then populates coverage options that fit your financial picture.

    Read fullProgressive review

  • Pros

    • Several potential discounts available
    • Robust digital tools
    • May have options for high-risk drivers

    Cons

    • Below-average J.D. Power customer satisfaction score
    • Rates may vary between online and agency quotes
  • Progressive's long list of discounts, includingteen driver discounts, may appeal to drivers with less favorable personal rating factors.

Geico

Best Car Insurance in California for 2024 | Bankrate (12)Best Car Insurance in California for 2024 | Bankrate (13)

4.4

4.4

Rating: 4.4 stars out of 5

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.

Bankrate Score

Read Geico reviewGet a custom quote

Avg. full coverage premium

$184/mo

Avg. full coverage premium

$2,206/yr

Customer satisfaction

830/1,000

  • Why Geico made our list: Geico offers low average premiums across many driver profiles in California plus more than a dozen potential discounts. These savings opportunities include affiliation, good driver, military, multi-policy and safety and security device discounts. Although Geico has well-developed digital tools — it placed second in the service category in the J.D. Power 2023 U.S. Insurance Digital Experience Study — it has no local agencies in California. Geico checks many of our boxes, which is why it tied in the 2024 Bankrate Awards as Best Auto Insurance Company Overall and Best Budget Auto Insurance Company.

    Read fullGeico review

  • Pros

    • Lower-than-average premiums
    • Robust digital tools
    • Above-average J.D. Power customer satisfaction score

    Cons

    • Only sells California auto insurance policies online
    • Few add-on coverage options
  • Geico may be the best carrier for budget-conscious drivers who value robust digital tool capabilities.

State Farm

Best Car Insurance in California for 2024 | Bankrate (14)Best Car Insurance in California for 2024 | Bankrate (15)

4.3

4.3

Rating: 4.3 stars out of 5

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.

Bankrate Score

Read State Farm reviewGet a custom quote

Avg. full coverage premium

$244/mo

Avg. full coverage premium

$2,931/yr

Customer satisfaction

826/1,000

  • Why State Farm made our list: The company offers a robust set of car insurance discounts that could help you save on your premium. Along with over 19,000 agents nationwide, the State Farm mobile app is highly rated, giving policyholders the best of both worlds. State Farm offers two telematics programs with one option geared specifically toward young drivers. Endorsem*nt options are somewhat limited compared to other carriers, but a handful of add-ons may be available.

    Read fullState Farm review

  • Pros

    • Local agencies available throughout California
    • Numerous potential discounts
    • Superior AM Best financial strength rating

    Cons

    • No gap insurance available
    • Not able to bundle with home insurance, as State Farm isno longer writing new home insurance policies in CA
  • State Farm, thelargest U.S. auto insurer, has local agents in almostevery major cityin California, making the company a good choice if you want an in-person insurance experience.

Mercury Insurance

Best Car Insurance in California for 2024 | Bankrate (16)Best Car Insurance in California for 2024 | Bankrate (17)

3.8

3.8

Rating: 3.8 stars out of 5

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.

Read Mercury reviewGet a custom quote

Avg. full coverage premium

$171/mo

Avg. full coverage premium

$2,050/yr

Customer satisfaction

794/1,000

  • Why Mercury made our list: Mercury’s coverage options and discount opportunities for its auto policies are consistent with other carriers we reviewed, and it also offers rideshare insurance for drivers who work for transportation providers like Uber or Lyft. The insurer enables you to submit a claim online or by calling its 24/7, toll-free claims hotline. Mercury could very well offer some of the best full coverage car insurance in California for those on a budget, as its average rates are among the lowest on our list.

    Read fullMercury review

  • Pros

    • Founded and based in California
    • Local agents available throughout the state
    • Wide selection of discounts for a local carrier

    Cons

    • Higher-than-average National Association of Insurance Commissioners (NAIC) Complaint Index
    • Digital tools aren’t as robust as some competitors
    • Below industry average J.D. Power customer satisfaction score
  • Mercury is a California-based insurance company, headquartered in Los Angeles, making it a potentially great choice for automobile owners who prefer doing business with a local company. Its RealDrive usage-based insurance program may help Californialow-mileage driverssave up to 20 percent.

How Bankrate chose the best car insurance companies in California

To choose the best car insurance companies in California, Bankrate analyzed average rate data from Quadrant Information Services, along with third-party financial strength ratings from AM Best, customer satisfaction scores from J.D. Power, coverage options, discounts and digital tools. We used these metrics to assign each carrier a Bankrate Score, out of 5 points.

Why you can trust Bankrate

Read our full methodology

To help California drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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How to find the best car insurance in California

While price is important to many people, you might also want to consider other factors when choosing an auto insurance company. The best car insurance policy looks different for everyone and will depend on your needs, lifestyle and financial responsibilities. To see which car insurance company could provide the best coverage for your needs, consider these key steps.

New

Industry news: California’s rate filing approvals are in full swing

In October 2022, California’s Department of Insurance began reviewing and approving auto insurance rate filings from many companies following a two-year pandemic rate filing freeze. In California, any rate increase request above 7 percent that is challenged by the public requires a public hearing. Although most rate filings in 2023 were for 6.9 percent, some of the largest insurance providers have recently filed for rate approvals anywhere from 10 to 55 percent. Some notable approvals include Allstate, which was approved for a 30 percent rate increase and State Farm, which plans to raise rates 21 percent. This thaw in rate freezes allows insurance providers to raise rates in order to continue offering coverage in California. Industry executives are unsure of whether or not such dramatic increases will be approved every year.

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Best Car Insurance in California for 2024 | Bankrate (19)

Cheapest car insurance in CaliforniaPreviously Read

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Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How much is car insurance in California?

The average annual cost of car insurance in California is $2,633 for full coverage and $645 for minimum coverage, according to premium data obtained from Quadrant Information Services. This is 15 percent more than the national average premium for full coverage, which is $2,299 per year. California drivers pay more on average than drivers in many other states, including neighboring states like Oregon and Washington, which may be due to the CA’s heavily congested roadways, leading to denser traffic and a higher likelihood of accident claims.

CityAvg. annual full coverage premiumAvg. savings vs. state average

Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.

Rates refreshed as of May 2024

Read our full methodology

Estimate your car insurance cost in California

Comparing auto insurance quotes will show you which carriers offer the lowest rates for your unique rating factors and coverage needs. Get started with personalized estimates below.

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These factors have the largest impact on your payment and are used to provide a personalized estimate. Based on the state you live in, some rating factors may not apply.

Why we're asking

We calculated your estimate by comparing your provided details to data from similar drivers. Our estimate assumes 2020 Toyota Camry, 12,000 miles annually, and 100/300/50 liability limits with $500 comprehensive and collision deductibles.

Methodology

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This advertisem*nt is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisem*nt are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisem*nt. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisem*nt is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisem*nt are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisem*nt. All offers are subject to additional terms and conditions.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in May 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Best Car Insurance in California for 2024 | Bankrate (23)

Written by

Natalie Todoroff

Writer, Insurance

    Read more from Natalie

    Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

    Best Car Insurance in California for 2024 | Bankrate (24)

    Edited by

    Amelia Buckley

    Editor, Insurance

    Best Car Insurance in California for 2024 | Bankrate (25)

    Reviewed by

    Mark Friedlander

    Director of corporate communications, Insurance Information Institute

    Best Car Insurance in California for 2024 | Bankrate (2024)

    FAQs

    What is the number 1 car insurance in California? ›

    California Car Insurance Companies

    Based on our research, Geico offers the best car insurance in California. Progressive, USAA, State Farm and Allstate are also reliable options for most drivers. *Our research team considers nationwide factors when rating providers.

    How much will insurance cost in 2024? ›

    Nationally, the average cost of full coverage car insurance rose to $2,543 in 2024, an increase of 26 percent over last year.

    What is the recommended car insurance coverage in California? ›

    Most financial experts recommend raising your liability to $50,000 per person and $100,000 per accident if you have few assets. With more assets — like a house, expensive car, or large amounts of savings — experts recommend bumping your coverage up to at least $100,000 per person and $300,000 per accident.

    Who has the cheapest auto insurance in California? ›

    Geico, USAA, Mercury Insurance, Progressive and CSAA are the five cheapest car insurance companies in California, according to our research. The average cost of full-coverage car insurance in California is $193 per month or $2,313 per year.

    Who is the largest insurer in California? ›

    State Farm is the largest auto insurer in California as well as the largest property and casualty insurer in the United States overall, providing more than 87 million insurance policies.

    Why did my car insurance go up in 2024? ›

    Your particular driver profile, which includes factors like where you live, your age and your driving record, influences what you pay for car insurance. But rising car repair costs and an increase in disaster-related claims are significant reasons why car insurance rates are surging for many drivers.

    What is the initial coverage limit for 2024? ›

    This stage ends when the amount spent by you and your plan on your covered drugs adds up to equal the initial coverage limit set by Medicare for that year. In 2024 that limit is $5,030. Your monthly premium payments do not count toward reaching that limit.

    Why does Geico keep raising my rates? ›

    Geico may have raised your rates because of changes to your policy or circ*mstances. Examples include adding a new type of coverage, becoming eligible for an additional type of discount, being involved in an accident, or buying a new car.

    What is the #1 auto insurance in the US? ›

    State Farm is the largest auto insurance company in the U.S., with 18% of the market. Other big car insurance companies include Progressive, Geico and Allstate. Currently insured? It's free, simple and secure.

    Is Geico leaving California? ›

    In 2023, major players like Geico, Progressive, and Farmers have scaled back or ceased operations in California and Florida's auto insurance markets due to rising costs. AmGUARD Insurance and Falls Lake Insurance are discontinuing their homeowners' insurance programs in the state.

    What is full coverage car insurance in California worth it? ›

    Having Full Coverage means you have a higher scope of protection. This additional coverage on your car insurance policy will come in handy in situations liability does not cover. Collision Coverage is a type of coverage that pays for your car to be repaired after an accident, regardless of who caused it.

    Is Geico cheaper than Progressive? ›

    Both Geico and Progressive offer cheap car insurance to drivers across the country. Geico's rates are typically lower overall, but Progressive tends to offer better prices to high-risk drivers. High-risk drivers are those with a recent DUI, at-fault accident or speeding ticket on their driving record.

    Which car insurance is best in California? ›

    Travelers scored as the best car insurance company in California overall, according to NerdWallet's 2024 analysis.

    Which insurance company has the lowest auto rates? ›

    The Cheapest Car Insurance Companies
    CompanyLearn More
    #1USAA » 4.9 U.S. News RatingCompare Quotes » (855) 939-3108
    #2Erie Insurance » 3.4 U.S. News RatingCompare Quotes »
    #3Auto-Owners » 4.7 U.S. News RatingCompare Quotes »
    #4Nationwide » 4.1 U.S. News RatingCompare Quotes »
    2 more rows
    Apr 17, 2024

    Which is the best insurance for a car? ›

    Car Insurance CompanyMotor OD Claim Settlement Ratio FY23Network Garages
    Digit Car Insurance96.00%Repair anywhere
    Bajaj Allianz Car Insurance98.50%4,000+
    Kotak Mahindra Car Insurance98.00%2,327+
    Zuno Car Insurance98.00%1,500+
    20 more rows

    Who is the highest car insurance? ›

    Our analysis showed that, on average, Dodge and Tesla have the most expensive car insurance among 17 popular brands. Full coverage on Dodge vehicles costs an average of $354 per month or $4,242 per year, while full coverage on a Tesla vehicle averages to $251 per month or $3,007 per year.

    What ranking is Progressive insurance? ›

    Progressive Insurance Rating
    Rating CategoryScore (Out of 10)
    Coverage9.5
    Cost7.8
    Customer Experience8.7
    Overall Rating9
    2 more rows
    May 13, 2024

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