- We Can Help You Find Auto and Other Products with Progressive Insurance in California
- Progressive Insurance in California: What You Need to Know
- Why Choose Progressive Insurance in California?
- Understanding California's Auto Insurance Requirements
- California Auto Insurance Coverage Options
- Navigating Insurance After a Major Violation in California
- Popular Claims Location Made with Progressive Insurance in California
- How to Get a Free Quote for Progressive Insurance in California
- Seal the Deal with Progressive Insurance in the Golden State
- Frequently Asked Questions about Progressive Insurance in California
- What types of auto insurance does Progressive offer in California?
- How can I get a quote for Progressive auto insurance in California?
- Are there any discounts available for Progressive auto insurance in California?
We Can Help You Find Auto and Other Products with Progressive Insurance in California
Progressive Insurance in California: What You Need to Know
Looking for affordable car insurance in California? Progressive Insurance is one of the top providers, offering flexible coverage options to fit the needs of drivers across the state—from the foggy streets of San Francisco to the busy highways of Los Angeles.
Why Choose Progressive in California?
- Affordable Rates – Competitive pricing with discounts for safe drivers, bundling policies, and Snapshot® usage-based savings.
- Customizable Coverage – Choose from state-minimum liability, full coverage, or optional add-ons like roadside assistance and gap insurance.
- 24/7 Claims and Customer Support – Quick and easy claims process, whether online, by phone, or through the Progressive app.
Coverage Options Available
- Liability-Only Insurance – Meets California’s minimum insurance requirements.
- Full Coverage – Includes comprehensive and collision insurance to cover vehicle damage.
- SR22 Insurance – For drivers needing proof of financial responsibility after violations.
- Rideshare Insurance – For Uber and Lyft drivers looking for extra protection.
Get a Quote with Progressive Today
Want to see how Progressive compares to other California insurance companies? Get a free quote online or call us today!
Why Choose Progressive Insurance in California?
Looking for affordable and reliable car insurance in California? Progressive offers customizable coverage, competitive pricing, and valuable discounts to help drivers save. Whether you’re commuting through Los Angeles, exploring San Diego, or driving along the Pacific Coast Highway, Progressive has the right coverage for you.
Top Benefits of Progressive in California
- Affordable Rates – Competitive pricing with multiple ways to lower your costs.
- Flexible Coverage Options – Choose from liability-only insurance, full coverage, and add-ons like roadside assistance and rental reimbursement.
- Easy Policy Management – Access your policy online, by phone, or through the Progressive mobile app.
Ways to Save on Your Progressive Policy
- Multi-Policy Discounts – Bundle auto, home, or motorcycle insurance for extra savings.
- Safe Driver Discounts – Earn rewards through the Snapshot® program for good driving habits.
- Additional Discounts – Save with multi-car, pay-in-full, and paperless billing discounts.
Get a Free Progressive Insurance Quote Today
Progressive makes it easy to compare rates and find the best auto insurance for your needs. Get a free quote online or call us today!
Understanding California’s Auto Insurance Requirements
California law requires all drivers to carry minimum liability insurance to operate a vehicle legally. While these limits provide basic protection, many drivers choose higher coverage levels to safeguard their finances in case of an accident.
California’s Minimum Liability Insurance Requirements
To drive legally in California, you must carry at least:
- $15,000 for bodily injury per person
- $30,000 for bodily injury per accident
- $5,000 for property damage
These limits only cover damages you cause to others and do not protect your own vehicle.
Why Consider More Than the Minimum?
- Uninsured/underinsured motorist coverage provides protection if you’re hit by a driver with little or no insurance.
- Higher liability limits help cover medical bills and property damage beyond the basic requirements.
- Comprehensive and collision coverage protect your car against theft, vandalism, and at-fault accidents.
| Coverage Type | Minimum Requirement |
|---|---|
| Bodily Injury (per person) | $30,000 |
| Bodily Injury (per accident) | $60,000 |
| Property Damage | $15,000 |
California Auto Insurance Coverage Options
Choosing the right auto insurance in California depends on how much protection you need. Progressive offers a range of coverage options, from basic liability insurance to full coverage plans that protect your own vehicle. Whether you’re driving through Los Angeles traffic, parking near the beach, or exploring off-road trails, there’s a policy that fits your needs.
| Coverage Type: | Benefits: | Good For: |
|---|---|---|
| Liability Only | Affordable, covers damages to others | Budget-conscious drivers |
| Full Coverage | Extensive protection, peace of mind | New Car owners, load leasers |
| Non-Owners | Covers you, not the car | Frequent car renters/borrowers |
| SR22 Insurance | Legal requirement post – DUI | Drivers rebuilding their record |
Why Choose Progressive through A Plus Insurance?
Tailored Insurance: Find the Right Policy for You
Every California driver has unique insurance needs, and Progressive makes it easy to find a policy that fits your lifestyle. Whether you need basic liability coverage to meet state requirements or full coverage for added protection, Progressive offers flexible options designed for every type of driver.
California’s Minimum Liability Insurance Requirements
To drive legally in California, you must carry at least:
- $30,000 for bodily injury per accident
- $60,000 for total injuries per accident
- $15,000 for property damage
These limits protect others if you cause an accident, but they do not cover your own vehicle.
Average Cost of Liability-Only Insurance by City
[Insert a table comparing liability-only insurance costs for major California cities like Los Angeles, San Diego, San Francisco, and Sacramento.]
Which Coverage Is Right for You?
- Liability-Only Insurance – Best for budget-conscious drivers who need to meet state requirements.
- Full Coverage – Ideal for newer vehicles or drivers who want extra protection with comprehensive and collision coverage.
| City | Average Price |
|---|---|
| Torrance | $89.00 |
| San Mateo | $91.00 |
| Glendale | $108.00 |
| Sunnyvale | $87.00 |
| Santa Ana | $87.00 |
| El Cajon | $105.00 |
| Fontana | $104.00 |
| Elk Grove | $109.00 |
| Palmdale | $95.00 |
| Sacramento | $92.00 |
| Huntington Beach | $96.00 |
| Thousand Oaks | $87.00 |
| San Buenaventura (Ventura) | $88.00 |
| Antioch | $89.00 |
| Victorville | $95.00 |
| Santa Clarita | $95.00 |
| Fresno | $103.00 |
| San Jose | $108.00 |
| West Covina | $110.00 |
| Riverside | $103.00 |
| Fremont | $89.00 |
| Lancaster | $91.00 |
| Burbank | $104.00 |
| Oakland | $106.00 |
| Temecula | $97.00 |
| Concord | $99.00 |
| Anaheim | $94.00 |
| Ontario | $104.00 |
| East Los Angeles | $87.00 |
| Los Angeles | $105.00 |
| Pasadena | $97.00 |
| Daly City | $108.00 |
| Chula Vista | $110.00 |
| Carlsbad | $105.00 |
| Irvine | $93.00 |
| Murrieta | $105.00 |
| Bakersfield | $110.00 |
| Downey | $107.00 |
| Garden Grove | $96.00 |
| Jurupa Valley | $92.00 |
| Roseville | $102.00 |
| San Diego | $109.00 |
| Rialto | $103.00 |
| Vista | $109.00 |
| Rancho Cucamonga | $107.00 |
| Clovis | $106.00 |
| Stockton | $108.00 |
| El Monte | $93.00 |
| Richmond | $105.00 |
| Santa Clara | $102.00 |
| Visalia | $98.00 |
| Hayward | $98.00 |
| Fullerton | $95.00 |
| Santa Rosa | $88.00 |
| Modesto | $95.00 |
| Costa Mesa | $108.00 |
| Arden-Arcade | $106.00 |
| San Bernardino | $102.00 |
Navigating Full Coverage with Progressive Insurance in California
Full coverage auto insurance isn’t a single policy—it’s a combination of protections designed to cover more than just the basics. While California law only requires liability insurance, full coverage helps protect your vehicle and finances from a variety of risks.
What Does Full Coverage Include?
Full coverage typically combines:
- Liability Insurance – Covers injuries and damages to others if you’re at fault in an accident.
- Collision Insurance – Pays for your car’s repairs if you hit another vehicle or object.
- Comprehensive Insurance – Covers non-collision events like theft, vandalism, fires, and natural disasters.
Why Choose Full Coverage?
- Protects your own vehicle, not just damages to others.
- Helps cover repairs or replacement costs after an accident or unexpected event.
- Provides peace of mind on California roads, whether you’re commuting in Los Angeles or cruising along Highway 1.
Is Full Coverage Right for You?
If you’re financing a car, lenders may require full coverage. Even if it’s optional, it’s a smart choice for drivers who want added protection against costly repairs and accidents.
Below is a chart of full coverage prices by city in California.
| City | Price |
|---|---|
| Fullerton | $168 |
| Rialto | $158 |
| Antioch | $174 |
| Santa Ana | $179 |
| Vista | $165 |
| Daly City | $170 |
| San Francisco | $156 |
| Escondido | $177 |
| Victorville | $177 |
| Chula Vista | $161 |
| Glendale | $166 |
| Fairfield | $165 |
| Bakersfield | $149 |
| Santa Maria | $176 |
| Oakland | $152 |
| Moreno Valley | $163 |
| Jurupa Valley | $159 |
| Corona | $155 |
| Carlsbad | $174 |
| Richmond | $161 |
| Santa Clarita | $151 |
| Concord | $181 |
| Irvine | $172 |
| Thousand Oaks | $170 |
| Lancaster | $178 |
| Rancho Cucamonga | $159 |
| Ontario | $172 |
| Santa Clara | $168 |
| Palmdale | $180 |
| Fontana | $148 |
| Hayward | $146 |
| Modesto | $167 |
| Fresno | $171 |
| San Buenaventura (Ventura) | $166 |
| San Diego | $150 |
| San Mateo | $175 |
| Fremont | $174 |
| Clovis | $157 |
| Inglewood | $179 |
| Sunnyvale | $170 |
| Simi Valley | $167 |
| Oxnard | $156 |
| Huntington Beach | $149 |
| Norwalk | $177 |
| Pasadena | $172 |
| Roseville | $156 |
| Downey | $159 |
| Santa Rosa | $166 |
| Sacramento | $180 |
| Salinas | $159 |
| Elk Grove | $150 |
| El Cajon | $148 |
Navigating Insurance After a Major Violation in California
A DUI or major traffic violation in California can make it difficult to get back on the road, but SR22 insurance can help reinstate your driving privileges. Progressive Insurance offers SR22 coverage to meet state requirements and help drivers regain their legal driving status.
What Is an SR22?
An SR22 is not an insurance policy—it’s a certificate of financial responsibility that proves you carry the minimum liability insurance required by California law. It is often required after:
- DUI or DWI convictions
- At-fault accidents without insurance
- Multiple traffic violations or excessive points
- License suspensions due to other serious infractions
How Does SR22 Insurance Work?
- The SR22 is filed with the state by your insurance company.
- The DMV is notified once your policy is active.
- Continuous coverage is required—a lapse can result in license suspension.
Find Affordable SR22 Insurance in California
While SR22 insurance rates can be higher, Progressive offers flexible options to help keep costs manageable. Get a free quote online or call us today to reinstate your license!
Impact of SR22 on Insurance Rates
| Before SR22 | After SR22 | % Increase |
|---|---|---|
| $75 | $110 | 46% |
| $100 | $150 | 50% |
For a quick and easy break down, watch the video below!
Progressive Insurance and California Weather: How Weather Events Impact Your Auto Insurance
California’s diverse climate brings a mix of wildfires, floods, heavy rain, and high winds, all of which can impact your vehicle and insurance coverage. Understanding how weather-related events affect car insurance can help you stay prepared and ensure you have the right protection.
| Weather Conditions |
|---|
| Wildfires |
| Earthquakes |
| Floods |
| Mudslides |
| Hail |
| Extreme Heat |
| Coastal Storms |
| High Winds |
Policyholders need to review their coverage options carefully and consider adding comprehensive insurance to protect against these weather-related risks. It’s also wise to stay informed about potential weather threats and take precautions to safeguard their vehicles during extreme weather events.
Progressive’s Discounts: The Savings Bonanza
Progressive offers a variety of discounts for auto insurance policies in California, aiming to make coverage more affordable for a diverse range of drivers. Here are some of the discounts that a policyholder in California might be eligible for with Progressive:
- Multi-Policy Discount: Combining auto insurance with other policies like homeowners, renters, or motorcycle insurance can lead to savings.
- Multi-Car Discount: Insuring more than one vehicle with Progressive can reduce the overall rates.
- Snapshot Program: A usage-based program where safe driving habits can lead to lower premiums.
- Good Student Discount: For young drivers in school, maintaining good grades can pay off in terms of insurance costs.
- Online Quote Discount: Starting a quote online often qualifies customers for an immediate discount on their policy.
- Sign Online Discount: When you sign your insurance documents online through their e-signature service, you may be eligible for a discount.
- Paperless Discount: Choosing to receive documents via email can also lead to savings.
- Pay in Full Discount: If you can afford to pay your policy premium in one lump sum, you can save money compared to making monthly payments.
- Automatic Payment Discount: Setting up an auto-debit from a bank account might offer additional savings.
- Continuous Insurance Discount: Customers who have maintained active insurance without gaps or cancellations are often rewarded with lower rates.
- Homeowner Discount: Simply owning a home, regardless of who insures it, can provide a discount on auto insurance.
- Defensive Driving Course Discount: Taking and passing an approved defensive driving course can lead to premium reductions.
- Good Driver Discount: California specifically mandates a discount for drivers who have been accident-free and violation-free for a certain number of years.
- Military Discount: Active duty or veterans may be eligible for discounts, depending on the state.
Remember, the availability and amount of these discounts can vary based on individual circumstances and state regulations. It’s always best to talk to a Progressive agent or check the company’s website for the most accurate and up-to-date information regarding discounts in California.
- Multi-Policy Discount: Bundling your home and auto insurance can save you money. Many insurance companies offer discounts when you combine multiple policies. Text Us to learn more.
- Safe Driver Discount: Maintaining a clean driving record with no recent accidents or violations could make you eligible for a safe driver discount on your auto insurance. Call us at 1.888.445.2793 to check your eligibility.
- Good Credit Score: A higher credit score can result in lower insurance premiums. Some insurance companies offer discounts based on your credit rating, making it important to keep your score in good standing. Text Us for more details.
- Claims-Free Discount: If you have not filed any claims in a certain period, you may qualify for a claims-free discount, which can reduce your monthly insurance rates. Call us at 1.888.445.2793 to check if you’re eligible.
- Home Safety Devices: Installing home safety features such as smoke detectors, burglar alarms, and sprinkler systems may make you eligible for discounts on your homeowners insurance. Text Us to learn more about safety-related discounts.
- Low Mileage Discount: Driving fewer miles each month can qualify you for a low mileage discount on your auto insurance, potentially lowering your rates. Call us at 1.888.445.2793 to see if this applies to your vehicle insurance.
- Military or Affiliation Discount: Many insurance companies offer discounts to military personnel, veterans, and members of certain organizations. Text Us to inquire about eligibility for this discount.
- New Home Discount: If your home was recently built or renovated, some insurance companies offer discounts for newer homes. Call us at 1.888.445.2793 for more information.
- Vehicle Safety Features: Vehicles with advanced safety features like anti-lock brakes, airbags, or anti-theft systems may qualify for discounts on auto insurance. Text Us to find out if your vehicle qualifies.
- Early Renewal Discount: Renewing your policy before the expiration date can sometimes earn you an early renewal discount, reducing your premium for the next policy term. Call us at 1.888.445.2793 for guidance.
Popular Claims Location Made with Progressive Insurance in California
The locations in California where the most car insurance claims are filed typically coincide with the most populous and high-traffic areas. Based on general traffic data and patterns, the following places tend to have higher instances of car insurance claims:
- Los Angeles Metropolitan Area: As the most populous city in California, Los Angeles sees a significant number of car insurance claims due to its dense traffic, high volume of vehicles, and complex road systems.
- San Francisco Bay Area: The Bay Area, which includes cities like San Francisco, Oakland, and San Jose, is known for its bustling roads and highways, leading to a higher likelihood of traffic incidents and insurance claims.
- San Diego: As a major urban center with a large number of commuters, San Diego experiences a substantial number of claims, with the I-5 and I-805 being particularly busy corridors.
- Sacramento: The state capital has its fair share of traffic congestion and car insurance claims, especially during peak hours on highways like I-5 and I-80.
- Orange County: Including cities like Santa Ana, Anaheim, and Irvine, Orange County’s heavy traffic contributes to the frequency of insurance claims, particularly along the I-5, I-405, and SR-55.
- Inland Empire: The region comprising Riverside and San Bernardino counties sees a considerable number of claims, with I-10 and I-15 being major thoroughfares for commuters and trucking.
- Fresno and Central Valley: As an agricultural hub with significant rural and urban roadways, the Central Valley sees a mix of commercial vehicle and personal auto claims.
- Ventura County: With the 101 freeway running through it, Ventura County has its share of traffic incidents leading to insurance claims.
- Kern County: Including Bakersfield, this area has traffic from both local commuters and through traffic from major trucking routes, influencing claim rates.
- San Bernardino Mountains/High Desert: Areas like Victorville and the mountain regions face extreme weather conditions and winding roads, which can lead to more frequent claims, especially during winter months.
It’s important to note that while these areas may have higher rates of car insurance claims, Progressive and other insurance companies take into account many factors when assessing risk and determining insurance rates, such as a driver’s history, the type of vehicle insured, and the specific coverage selected.
How to Get a Free Quote for Progressive Insurance in California
01.
Step 1: Gather Your Information
02.
Step 2: Contact A Plus Insurance
- Online: Visit the A Plus Insurance website and fill out the quote form.
- By Phone: Call the A Plus Insurance office to speak with an agent.
03.
Step 3: Discuss Your Needs and Coverage Options
04.
Step 4: Receive and Review Your Quote
Here’s What Our Clients Say About Us
Seal the Deal with Progressive Insurance in the Golden State
Conclusion
In the land of sun, surf, and cinema, finding the right car insurance can feel like navigating through a blockbuster action movie—thrilling but complex. Thankfully, Progressive Insurance in California makes this journey straightforward and reassuringly predictable. With a range of policies to suit the solo commuters, family road-trippers, and even the off-road adventurers, Progressive offers a golden ticket to coverage that fits just right. So whether you’re dodging traffic in LA or taking in the vast beauty of the Sierra Nevadas, Progressive is the co-pilot ensuring you’re covered, come what may. With easy online access, generous discounts, and a safety net as wide as the California sky, Progressive might just be the insurance hero you’ve been scouting for.
Frequently Asked Questions about Progressive Insurance in California
What types of auto insurance does Progressive offer in California?
How can I get a quote for Progressive auto insurance in California?
Are there any discounts available for Progressive auto insurance in California?
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Last Updated on by Brian Muse