- What Type of Insurance Do You Need in California?
- Best Auto Insurance for Young Drivers in California
- What We Do at A Plus Insurance
- Cheapest Car Insurance with a Bundle/Homeowners Discount in California
- Best Broadform or Non-Owners Auto Insurance in California
- Least Expensive Car Insurance With a DUI, Accidents, or Violations in California
- Best Liability-Only Auto Insurance in California
- Cheapest Auto Insurance With a Clean Driving Record in California
- Most Affordable Insurance With Good Credit in California
- Lowest Cost Insurance With An SR-22 in California
- SR22 Insurance Process
- How to Get a Free Quote Insurance California
- What types of insurance are commonly available in California?
- How can I find the right insurance coverage in California?
- Do you need assistance navigating insurance options in California?
- Q4: Why is it hard to get auto insurance in California?
What Type of Insurance Do You Need in California?
If you drive in California, you must carry auto liability insurance to cover injuries and damages if you’re at fault in an accident. The state also recommends additional coverage options to protect against uninsured drivers and vehicle damage.
Minimum Auto Insurance Requirements in California
- Bodily Injury Liability
- $15,000 per person
- $30,000 per accident
- Property Damage Liability
- $5,000 per accident
Recommended Additional Coverage
- Uninsured/Underinsured Motorist Coverage – Protects you if the at-fault driver has little or no insurance.
- Comprehensive Coverage – Covers damage from theft, vandalism, fire, and natural disasters.
- Collision Coverage – Pays for repairs if your vehicle is damaged in an accident, regardless of fault.
Having the right car insurance in California ensures you stay legal and financially protected. Get a free quote today to find the best coverage at an affordable rate!
Best Auto Insurance for Young Drivers in California
Are you a young driver in California looking for affordable auto insurance? If you’re under 25, insurance rates tend to be higher due to inexperience. However, there are ways to lower your premium and find budget-friendly coverage.
Why Young Drivers Pay More for Insurance?
- Limited Driving Experience – Less time on the road increases the risk of accidents.
- Higher Claim Rates – Statistically, young drivers are more likely to file claims.
- Vehicle Choice – Driving a sports car or luxury vehicle can increase premiums.
How to Get the Best Rates on Auto Insurance in California?
- Choose a Safe & Affordable Car – Vehicles with high safety ratings and lower repair costs are cheaper to insure.
- Take a Defensive Driving Course – Some insurers offer discounts for completing a driver safety program.
- Stay on a Parent’s Policy – If possible, remaining on a family plan can help save money.
- Ask About Discounts – Look for good student discounts, multi-policy savings, and telematics programs like Progressive’s Snapshot or Allstate’s Drivewise.
Finding affordable car insurance for young drivers in California doesn’t have to be difficult. Get a free quote today and compare rates to save on your premium!
Insurance California: Average Rates for Young Drivers
| National General | $122 |
| Bristol West | $138 |
| Dairyland | $144 |
| Progressive Insurance | $157 |
| Farmers | $158 |
| Allstate | $159 |
| GAINSCO | $163 |
| Geico | $164 |
| Liberty Mutual | $164 |
| USAA | $164 |
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Cheapest Car Insurance with a Bundle/Homeowners Discount in California
Bundling auto and home insurance in California is one of the easiest ways to save money on your policy. Many insurance providers offer multi-policy discounts, reducing your premiums when you combine coverage under one insurer.
Why Bundle Auto and Home Insurance?
Added Benefits – Some insurers offer perks like single deductibles for claims affecting both home and auto.
Save on Premiums – Bundling can reduce your car insurance rates by 10%–25%, depending on the provider.
Simplified Coverage – One insurer for both policies makes managing your insurance easier and more convenient.
How to Get the Best Bundle Discount
- Compare Multiple Quotes – Savings vary by insurer, so it’s essential to shop around.
- Consider Coverage Needs – Ensure both policies offer adequate protection before bundling.
- Ask About Extra Discounts – Some insurers increase savings when you bundle with life insurance or renters insurance.
Looking for cheap car insurance with a homeowners bundle in California? Get a free quote today and start saving!
Insurance California: Top 5 Best Rates with a Bundle Discount
| Progressive Insurance | $139 |
| Bristol West | $143 |
| GAINSCO | $143 |
| Mendota Ins. Company | $144 |
| National General | $151 |
| Geico | $152 |
| Dairyland | $155 |
| AssuranceAmerica | $158 |
| The General | $159 |
| American Family | $160 |
Best Broadform or Non-Owners Auto Insurance in California
Looking for broadform or non-owners auto insurance in California? Unlike standard policies that cover a specific car, broadform insurance follows the driver, providing liability coverage no matter what vehicle they drive. This option is ideal for drivers who don’t own a car but still need insurance to meet state requirements.
California State Minimum Insurance Requirements
If you choose broadform or non-owner insurance, it typically meets California’s minimum liability coverage, which includes:
- $30,000 for injury or death to one person
- $60,000 for injury or death to multiple people
- $15,000 for property damage
Who Should Consider Broadform or Non-Owners Insurance?
- Drivers who frequently rent or borrow cars
- Those who need SR22 insurance but don’t own a vehicle
- Individuals looking for low-cost liability coverage
Things to Know About Broadform Insurance
- Covers only the driver, not any specific car
- Liability-only policy—it does not cover damage to the vehicle you drive
- Not available from all insurers—only certain companies offer broadform coverage in California
If you need affordable broadform or non-owners auto insurance in California, get a free quote today and compare rates!
Insurance California: Top 5 Best Rates for Broadform or Non-Owners Insurance
| Progressive Insurance | $89 |
| Dairyland | $107 |
| The General | $113 |
| Mendota Ins. Company | $156 |
| Bristol West | $158 |
| Geico | $176 |
| Acceptance RTR | $212 |
| State Farm | $245 |
| Allstate | $248 |
Least Expensive Car Insurance With a DUI, Accidents, or Violations in California
Have a DUI, accident, or violation on your record? Car insurance in California can get expensive for high-risk drivers, as insurers review driving history and increase rates accordingly. However, there are still ways to find affordable coverage.
How a DUI or Violation Affects Insurance in California
- Higher Premiums – A DUI or serious traffic violation can cause rates to increase by 50% or more.
- SR22 Requirement – Drivers with a DUI or suspended license often need SR22 insurance to prove financial responsibility.
- Rate Reviews at Renewal – Insurance providers check driving records when policies renew, which may result in higher rates.
How to Get the Cheapest High-Risk Car Insurance in California
- Compare Multiple Quotes – Every provider calculates risk differently, so shopping around is essential.
- Choose Liability-Only Coverage – If possible, liability-only insurance is cheaper than full coverage.
- Look for Discounts – Some insurers offer discounts for safe driving courses, bundling policies, or telematics programs.
- Improve Your Driving Record – Avoiding further violations and maintaining continuous coverage can help reduce rates over time.
Finding affordable car insurance with a DUI or violations in California is possible. Get a free quote today and let us help you find the best rate!
Insurance California: Top 5 Best Rates for Records With Violations or Accidents
| Dairyland | $158 |
| Acceptance RTR | $161 |
| Progressive Insurance | $177 |
| The General | $178 |
| Geico | $179 |
| National General | $187 |
| AssuranceAmerica | $189 |
| GAINSCO | $190 |
| Mendota Ins. Company | $190 |
| Bristol West | $191 |
Best Liability-Only Auto Insurance in California
Looking for affordable liability-only auto insurance in California? Liability insurance is the minimum coverage required by law and helps protect you from financial responsibility if you cause an accident.
California State Minimum Liability Insurance Requirements
Drivers must carry at least:
- $30,000 for injury or death to one person
- $60,000 for injury or death to multiple people
- $15,000 for property damage
Why Choose Liability-Only Insurance?
- Meets State Legal Requirements – Ensures you’re driving legally in California.
- Lower Monthly Premiums – Liability-only insurance is cheaper than full coverage.
- Covers Damages to Others – Pays for injuries and property damage if you’re at fault in an accident.
Who Should Consider Liability-Only Auto Insurance?
- Drivers with older or lower-value vehicles
- Those looking for the cheapest car insurance option
- People who drive infrequently or have a clean record
Need affordable liability-only car insurance in California? Get a free quote today and compare rates to find the best deal!
Insurance California: Top 5 Best Rates for Liability Only
| The General | $83 |
| Mendota Ins. Company | $89 |
| National General | $92 |
| Progressive Insurance | $92 |
| Geico | $101 |
| Liberty Mutual | $110 |
| AssuranceAmerica | $111 |
| Farmers | $112 |
| Nationwide | $112 |
| USAA | $112 |
| Dairyland | $117 |
Cheapest Auto Insurance With a Clean Driving Record in California
Having a clean driving record in California won’t get you an Oscar, but it can save you big on auto insurance. Insurance companies reward safe drivers with lower premiums, making it easier to find affordable coverage.
What Is Considered a Clean Driving Record?
- No accidents or at-fault claims
- No moving violations (speeding, reckless driving, etc.)
- No points on your driver’s license
How a Clean Record Helps You Save on Auto Insurance
- Lower Premiums – Safe drivers pay significantly less than high-risk drivers.
- More Discount Opportunities – Many insurers offer good driver discounts, often 10%–25% off.
- Better Policy Options – A clean record makes you eligible for top-rated insurance plans.
How to Keep or Improve Your Driving Record
- Take a Defensive Driving Course – Some insurers offer discounts for completing a safety program.
- Maintain Continuous Coverage – Avoid insurance lapses to keep rates low.
- Check Your Driving Record Regularly – Violations usually drop off after 3–5 years, so keep track of your status.
Looking for cheap auto insurance with a clean driving record in California? Get a free quote today and see how much you can save!
Insurance California: Top 5 Best Rates for Drivers With a Clean Record with Full Coverage
| Progressive Insurance | $130 |
| Dairyland | $135 |
| 21st Century | $138 |
| GAINSCO | $143 |
| Mendota Ins. Company | $143 |
| Acceptance RTR | $152 |
| The General | $154 |
| Nationwide | $156 |
| National General | $159 |
Most Affordable Insurance With Good Credit in California
Having good credit in California doesn’t just help with loans and mortgages—it can also lead to lower car insurance rates. Insurance companies view drivers with higher credit scores as lower risk, which translates to cheaper premiums.
How Does Good Credit Affect Car Insurance Rates?
More Discount Opportunities – Many insurers offer additional savings for financially responsible customers.
Lower Premiums – Drivers with higher credit scores often pay less for auto insurance.
Better Policy Options – Good credit makes you eligible for better coverage at competitive rates.
Insurance California: Top 5 Best Rates for Drivers With a Good Credit Score Full Coverage
| Mendota Ins. Company | $132 |
| GAINSCO | $135 |
| Dairyland | $138 |
| Nationwide | $141 |
| Acceptance RTR | $145 |
| Bristol West | $145 |
| AssuranceAmerica | $150 |
| The General | $154 |
| National General | $161 |
| 21st Century | $164 |
| Farmers | $164 |
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
| Bristol West | $93 |
| Mendota Ins. Company | $97 |
| The General | $98 |
| Progressive Insurance | $100 |
| Acceptance RTR | $106 |
| National General | $106 |
| USAA | $108 |
| 21st Century | $114 |
| American Family | $114 |
SR22 Insurance Process
01.
Consultation
02.
Quote
03.
Filing
04.
Policy Management
How to Get a Free Quote Insurance California
01.
Contact Us
02.
Details
03.
Quote
04.
Decision
What types of insurance are commonly available in California?
California offers various types of insurance, including auto insurance, home insurance, renters insurance, life insurance, health insurance, and business insurance to cater to different needs.
How can I find the right insurance coverage in California?
To find the right insurance coverage in California, assess your needs, compare quotes from different insurers, review coverage options, and consider factors like premiums, deductibles, and insurer reputation.
Do you need assistance navigating insurance options in California?
Feel free to call us at 1.888.445.2793 for assistance with insurance options in California. Our team is dedicated to providing expert guidance and information.
Q4: Why is it hard to get auto insurance in California?
A4: Getting auto insurance in California can be challenging due to factors such as a high number of uninsured drivers, dense traffic, and the risk of accidents. Insurance companies may also consider factors like your driving history and location when determining eligibility and premiums. If you’re finding it difficult to get auto insurance, our team can help you explore options and find coverage that suits your needs.
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Last Updated on by Brian Muse