Optimize Your Peace of Mind: Unveil the Benefits of Progressive Insurance in California

Experience the Golden State with peace of mind—Progressive offers auto insurance in California that’s as dynamic and diverse as its drivers!

We Can Help You Find Auto and Other Products with Progressive Insurance in California

Introduction to Progressive Insurance in California

In the sunny expanse of California, car insurance isn’t just a legal necessity; it’s your financial shield against the Golden State’s bustling highways and byways. Progressive Insurance has become a household name, providing Californians with a kaleidoscope of insurance options that cater to the diverse needs of its residents—from the misty streets of San Francisco to the sunbaked roads of Los Angeles.

Why Choose Progressive Insurance in California?

Why do Californians go Progressive? Maybe it’s for the peace of mind that comes with comprehensive coverage options. Or perhaps it’s the allure of potential savings through discounts, including multi-policy bundles or the Snapshot program that rewards good driving. Let’s not forget the ease of managing policies online or by phone—a true Californian convenience!

Californians have a buffet of options when it comes to vehicle insurance, but many are zeroing in on Progressive Insurance for its mix of reliability and flair. With a spread that includes everything from liability to full coverage, Progressive Insurance in California offers a policy dish for every type of driver. Whether cruising down the sunny boulevards of Los Angeles or navigating the scenic curves of the Pacific Coast Highway, Progressive provides Californians with the insurance auto protection they need. Policy service with Progressive is like hitting the highway with a GPS; you’re given clear guidance, a path to your destination, and alerts for any roadblocks, ensuring every journey, whether by car or motorcycle, is safeguarded.

Understanding California’s Auto Insurance Requirements

Navigating the ins and outs of California’s auto insurance requirements can feel like plotting a course through the Redwoods. State law mandates specific liability insurance minimums, but savvy drivers know that this is just the starting point. Progressive offers policies that exceed these minimums, ensuring that you’re better protected on every journey.

Liability is required by most States, including California. Below are the requirements to drive legally on the road.

California State Minimum Liability Requirements for Car Insurance

Coverage TypeMinimum Requirement
Bodily Injury (per person)$15,000
Bodily Injury (per accident)$30,000
Property Damage$5,000
Otherwise known as, 15/30/5

Coverage Options Chart: California Dreaming

With Progressive, Californians can select from a smorgasbord of coverage options. From liability insurance that covers the other party’s taco truck repairs to full coverage that takes care of your own convertible when it meets an unfortunate fate with a rogue surfboard, you’re covered. And for those with a penchant for the road less traveled, motorcycle insurance and ATV insurance keep the adventure going.

Coverage Type:Benefits:Good For:
Liability OnlyAffordable, covers damages to othersBudget-conscious drivers
Full Coverage Extensive protection, peace of mindNew Car owners, load leasers
Non-OwnersCovers you, not the carFrequent car renters/borrowers
SR22 InsuranceLegal requirement post – DUIDrivers rebuilding their record
Progressive Insurance in California

Why Choose Progressive through A Plus Insurance?

Competitive Pricing
Discounts and $avings
Bundle Options
Financial Stability
Good Costumer Service Reputation
35 Different States

Tailored Insurance: Finding Your Perfect Policy Match

Every Californian driver is as unique as a fingerprint on a surfboard, and Progressive Insurance in California offers policies as diverse as the state itself. They specialize in matching you with a policy that suits your individual style—whether you’re all about minimalism and require liability only, or you live life in the fast lane and need full coverage. Consider them the matchmakers of the insurance world.

Remember, Liability is required by State under the limits of 15/30/5

Average cost of liability only by City

CityAverage 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
Progressive Insurance in California by City – Liability

Navigating Full Coverage with Progressive Insurance in California

Full coverage auto insurance isn’t just one policy; it’s a combination of different types of insurance to give you comprehensive protection. Think of it as a safety net that’s there to catch a wide range of potential issues. It typically includes liability insurance, which covers damages to others if you’re at fault in an accident, along with collision and comprehensive insurance. Collision covers your car if you hit another vehicle or object, and comprehensive takes care of non-collision events like theft, vandalism, or natural disasters.

It’s called “full” coverage because it covers most scenarios that might come your way on and off the road.

Imagine this: a shiny convertible, a breezy drive down Route 1, and then, a seagull with poor timing. Auto insurance isn’t just about legality; it’s the peace of mind that comes from knowing a wildlife encounter won’t clip your financial wings. It’s a safety net that ensures your dream drive doesn’t turn into a financial nightmare.

Below is a chart of full coverage prices by city in California.

CityPrice
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
Progressive Insurance in California by City – Full Coverage

Navigating Insurance After a Major Violation in California

Getting back on the road after a DUI or another major violation in California can be a steep hill to climb, but Progressive Insurance offers a SR22 insurance to help drivers find their way back to clear roads. While rates might echo the highs and lows of a San Francisco street, Progressive offers a shot at redemption with coverage that helps you steer back to stability.

An SR-22 is often required for a driver to reinstate their driving privileges following a suspension of their license. This can be due to various infractions such as DUI/DWI offenses, accumulating excessive points on a driving record, being at fault in an accident without insurance, or other serious violations. The SR-22 is a certificate of financial responsibility that proves the driver carries the minimum amount of car insurance required by the state.

The SR22 is an attachment that goes along with your auto insurance policy. Once the insurance is active, the SR22 will be forwarded to the State, and in turn, the DMV.

Impact of SR22 on Insurance Rates

Before SR22After SR22% Increase
$75$11046%
$100$15050%
Drive wise and avoid the SR22 surprise

For a quick and easy break down, watch the video below!

Sr22 Simplified Youtube Thumbnail
2024 Progressive Insurance in California

Progressive Insurance and California Weather: Weather Events That Impact Your Auto Insurance

In California, a state known for its varied landscapes and climates, several weather-related events can affect car insurance policyholders:

Weather Conditions
Wildfires
Earthquakes
Floods
Mudslides
Hail
Extreme Heat
Coastal Storms
High Winds
Comprehensive coverage could offer better protection your vehicle for most of these incidents.

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:

  1. Multi-Policy Discount: Combining auto insurance with other policies like homeowners, renters, or motorcycle insurance can lead to savings.
  2. Multi-Car Discount: Insuring more than one vehicle with Progressive can reduce the overall rates.
  3. Snapshot Program: A usage-based program where safe driving habits can lead to lower premiums.
  4. Good Student Discount: For young drivers in school, maintaining good grades can pay off in terms of insurance costs.
  5. Online Quote Discount: Starting a quote online often qualifies customers for an immediate discount on their policy.
  6. Sign Online Discount: When you sign your insurance documents online through their e-signature service, you may be eligible for a discount.
  7. Paperless Discount: Choosing to receive documents via email can also lead to savings.
  8. 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.
  9. Automatic Payment Discount: Setting up an auto-debit from a bank account might offer additional savings.
  10. Continuous Insurance Discount: Customers who have maintained active insurance without gaps or cancellations are often rewarded with lower rates.
  11. Homeowner Discount: Simply owning a home, regardless of who insures it, can provide a discount on auto insurance.
  12. Defensive Driving Course Discount: Taking and passing an approved defensive driving course can lead to premium reductions.
  13. Good Driver Discount: California specifically mandates a discount for drivers who have been accident-free and violation-free for a certain number of years.
  14. 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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. Ventura County: With the 101 freeway running through it, Ventura County has its share of traffic incidents leading to insurance claims.
  9. Kern County: Including Bakersfield, this area has traffic from both local commuters and through traffic from major trucking routes, influencing claim rates.
  10. 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?

Progressive offers a variety of auto insurance options in California, including liability, comprehensive, collision, SR22, and full coverage policies, tailored to meet the needs of different drivers.

How can I get a quote for Progressive auto insurance in California?

You can easily get a Progressive auto insurance quote in California online on their website, by phone, or by contacting a local agent to discuss the best coverage options for your needs.

Are there any discounts available for Progressive auto insurance in California?

Yes, Progressive offers various discounts in California, such as multi-policy, safe driver, and good student discounts, as well as unique programs like Snapshot that could save you money based on your driving habits.

Last Updated on by Marlon Moss

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