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Best car insurance in California in 2022
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The state of California requires drivers to carry at least the state-required minimum amount of car insurance, so a car insurance policy is a necessary expense for drivers in this state. That said, there are dozens of car insurance carriers to choose from, which can make it difficult to know where to start on your search for the best car insurance companies. The good news is that Bankrate’s team researched the options and may be able to help California drivers narrow them down.
Based on the Bankrate editorial team’s research, Geico, Progressive, State Farm, Mercury and Wawanesa offer some of the best car insurance in California. Each company’s average cost of car insurance is competitive compared to California’s state average, which is $2,190 per year for full coverage as of 2022. Whether you’re looking for the best price, customer service, mobile app accessibility or something else entirely, Bankrate’s research into the best auto insurance in California could help you find a company that fits your coverage needs and budget.
- As of 2022, the average cost of car insurance in California was $2,190 per year for full coverage car insurance and $619 for minimum coverage car insurance.
- The average car insurance prices in California are higher, on average, than the national average cost of car insurance.
- On average, full coverage car insurance in California is 24% higher than the national average rate and minimum coverage is 14%, according to our research.
How Bankrate chose the best car insurance companies in California
In order 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 A.M. Best, customer service rankings from JD Power, available coverage options and discounts, and other important factors. This information was combined to determine a Bankrate score, which was awarded to each company with a maximum of 5.0. By using this and other information, you may be able to better assess which carriers are the best fit for your unique situation.
Best car insurance companies in California
Bankrate’s insurance editorial team determined that Geico, State Farm, Progressive, Mercury and Wawanesa 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 reviewed each carrier’s coverage choices, discounts and policy features. Finally, we considered each company’s 2022 J.D. Power customer satisfaction scores and AM Best and Standard & Poor’s (S&P) financial strength ratings. After compiling this information, we assigned each company a Bankrate Score. These scores are on a scale of 0.0 to 5.0. The higher a company’s Bankrate Score, the higher that company ranked in each category. Based on our research, you might want to get quotes from the following national and regional companies if you are looking for the best auto insurance in California:
|Car insurance company||Bankrate Score||J.D. Power score California||Average annual full coverage premium||Average annual minimum coverage premium|
Learn more: Geico insurance review
Learn more: State Farm insurance review
Learn more: Mercury insurance review
Learn more: Progressive insurance review
Learn more: Wawanesa insurance review
Average car insurance cost in California
The average annual cost of car insurance in California is $2,190 for full coverage and $619 for minimum coverage, according to 2022 premium data obtained from Quadrant Information Services. This is 24% higher than the national average premium for full coverage, which is $1,771 per year. California drivers pay more on average than drivers in many other states, including neighboring states like Oregon, which may be due to the state’s heavily congested roadways, leading to denser traffic and a higher likelihood of accident claims.
Keep in mind that these rates are averages. There are many factors that influence car insurance rates, and your premium will likely vary based on your personal rating factors, like your motor vehicle record, claims history and the make and model car you drive. California regulations prohibit insurers from using credit, gender or ZIP code as factors to determine your auto insurance premium.
|Average annual premium for minimum coverage in California||Average annual premium for full coverage in California|
How to find the best car insurance in California
Consider minimum insurance requirements in California
Consider lender requirements
Consider your individual needs
Car insurance discounts in California
- Young driver discounts: If you have a young driver on your policy, there could be several ways to save on your annual premium. For example, if you insure a full-time student under the age of 25, you may be able to take advantage of a good student discount. You might also be able to enroll in student driving programs or distant student programs, where you earn a discount if a young driver goes to school more than 100 miles away from home and does not have the insured vehicle with them.
- Safe driver discounts: If you have not been in an accident or had a moving violation for a certain number of years, usually three to five, you may qualify for a good or safe driver discount. Avoiding incidents and maintaining a clean driving record also helps you avoid costly surcharges, which can stay on your policy for several years.
- Other discounts: Carriers that offer multiple insurance products, like auto, home, umbrella and life policies, often give you a discount on each policy that you buy. And if you belong to certain organizations, like membership clubs or alumni associations, you might qualify for a discount with some insurance carriers, according to the Triple-I.
Discounts vary by provider, so talking with your insurance agent or a company representative might be helpful in determining what savings opportunities are available. Unlike most other states, California does not permit usage-based telematics insurance programs, so this will not be a discount opportunity for drivers to save money on car insurance.