Auto Insurance California: How to Find the Best Rates

Another day in the sun! Let’s find some great insurance rates to keep you cool.

I Know I need Insurance…But I don’t understand it…

Insurance California

If that sounds like you, don’t worry…most people have a lot of questions when it comes to how auto insurance works. We have your insurance basics here to make it easy for you.

New A Plus Insurance Customers in California Save on Average $592…that’s almost 1157 pounds of bananas!

Best Auto Insurance for Young Drivers in California

California is the avocado capital…and if you are as green as an avocado…that can mean a higher insurance rate.

Due to inexperience most carriers charge a higher premium for males and females under 25.

Like the Golden Gate Bridge, we at A Plus Insurance can help you cross over expensive monthly rates and guide you to better prices. Here’s a quick tip: pick a car that insurance companies deem safe or cheap to insure, and this can help keep your rate reasonable.

Insurance California: Average Rates for Young Drivers

Car Insurance CompanyAverage Monthly Payment
American Family$146
Dairyland$148
Progressive$149
Farmers$151
USAA$151

Cheapest Car Insurance With A Bundle/Homeowners Discount in California

When Harry met Sally, when Rose met Jack, when Westley met Buttercup…certain things bundled together are just better!

Your Auto and Home insurance in California is no different.

Discounts are available when you add Homeowners to your auto policy and you can save that money for Coachella or a tour in Wine Country.

Insurance California: Top 5 Best Rates with a Bundle Discount

Car Insurance CompanyAverage Monthly Payment
Dairyland$129
Acceptance RTR$134
Assurance America$142
Bristol West$142
21st Century$143

Best Broadform or Non-Owners Auto Insurance in California

Broadform insurance follows the person unlike most other policies which follow the car.

This is the most minimal type of insurance and typically only covers the state required limits of liability.

For California the State minimum is

$15,000 for injury/death to one person.

$30,000 for injury/death to more than one person.

$5,000 for damage to property.

Insurance California: Top 5 Best Rates for Broadform or Non-Owners Insurance

Car Insurance CompanyAverage Monthly Payment
Dairyland$88
Progressive$93
The General$110
Mendota$138
GEICO$160

Least Expensive Car Insurance With a DUI, Accidents, or Violations in California

California has some of the most stringent impaired driving laws in the U.S. according to findlaw.com this can have a major impact on your insurance.

California Insurance providers perform background checks upon renewal and will increase the premium of high-risk drivers. What can be done? Shop around! We at A Plus Insurance can help you make the work painless.

Insurance California: Top 5 Best Rates for Records With Violations or Accidents

Car Insurance CompanyAverage Monthly Payment
21st Century$154
Dairyland$159
Progressive $161
GEICO$164
Acceptance RTR$177

Best Liability Only Auto Insurance in California

The California State minimum liability limits of insurance is:

$15,000 for injury/death to one person.

$30,000 for injury/death to more than one person.

$5,000 for damage to property.

Liability insurance only might seem basic, but at the very least, can give you the peace of mind that the drivers around you are covered if you hit them.

Insurance California: Top 5 Best Rates for Liability Only

Car Insurance CompanyAverage Monthly Payment
Progressive$81
The General$81
National General$82
Dairyland$86
Acceptance RTR$99

Cheapest Auto Insurance With a Clean Driving Record in California

Having a clean driving record will not win you the Oscar at the Academy Awards, but you can win big when it comes to your California insurance rates.

A clean driving record is one without any accidents, moving violations, or application points on your license. This tells insurance companies that you are committed to following rules and are safe which translates to lower premiums.

If you currently have moving violations, worry not! With time these violations will no longer be held against you as long as you work on improving your driving. Consider a Defensive driving course.

Insurance California: Top 5 Best Rates for Drivers With a Clean Record

Car Insurance CompanyAverage Monthly Payment
Dairyland$128
Progressive$132
Gainsco$133
Mendota$134
Bristol West$138

Most Affordable Insurance With Good Credit in California

Grapes, almonds, strawberries, and oranges are just some of the fruits California enjoys as crops they grow. You can enjoy the fruitage of your hard work to keep your credit score in the green!

A good credit score signals to insurance companies that you can be trusted as financially responsible. The reward is not a Golden Globe, but less expensive insurance rates!

Insurance California: Top 5 Best Rates for Drivers With a Good Credit Score

Car Insurance CompanyAverage Monthly Payment
National General$132
Acceptance RTR$135
21st Century$139
GEICO$144
Dairyland$145

Lowest Cost Insurance With An SR-22 in California

An SR-22 is a form usually ordered by the state via the DMV or the court in California. Why would someone need this form?

1. Driving without a License or Insurance

2. DWI or DUI conviction

3. Multiple driving violations within a short amount of time

..And a few other scenarios.

It is not insurance, but proof that you meet the minimum auto insurance coverage and that you are financially responsible enough to be on the road.

Insurance California: Top 5 Best Rates for Drivers With an SR-22

Car Insurance CompanyAverage Monthly Payment
Dairyland$72
The General$95
GEICO$97
Progressive$97
Mendota$99

Frequently Asked Questions About Auto Insurance in California

How much does Auto Insurance cost for my 16-year old?

A LOT! Just kidding…there are a multitude of factors that give you the final rate. In California and many other states the cost effective route is to put the teenager on your current insurance. Which is significantly cheaper than putting the adolescent on their own plan. Family plan for the win!

Last Updated on by Alexandra Vileikis