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We found that the annual premium for full coverage in the state of California is $2,291 and the lowest coverage is $636. According to Bankrate’s editorial staff, some of the top auto insurers in California are Geico, State Farm, Progressive, Mercury, and Wawanesa. First, we looked at data from Quadrant Information Services regarding the average annual quoted premiums of the top insurance providers in California. We also took into account rankings and ratings based on customer satisfaction from the J.D. Power U.S. Car Insurance Survey 2022.
If you are interested in finding the Best car insurance companies in California, You can look at the analytics in the table that’s below here.
The following table provides information on the costs of full coverage for each insurance provider.
| Insurance company | J.D. Power Customer Satisfaction Score (California region) | Average monthly full coverage premium | Average annual full coverage premium |
|---|---|---|---|
| Geico Rating: 4.4 stars out of 54.4Bankrate Score | 824/1,000 | $153 | $1,841 |
| State Farm Rating: 4.2 stars out of 54.2Bankrate Score | 817/1,000 | $188 | $2,258 |
| Progressive Rating: 4.2 stars out of 54.2Bankrate Score | 803/1,000 | $169 | $2,034 |
| Mercury Rating: 3.2 stars out of 53.2Bankrate Score | 827/1,000 | $151 | $1,817 |
| Wawanesa Rating: 3.1 stars out of 53.1Bankrate Score | 879/1,000 | $134 | $1,612 |
The following table provides information on the costs of Minimum coverage rates by the company for each insurance provider.
| Insurance company | J.D. Power Customer Satisfaction Score (California region) | Average monthly minimum coverage premium | Average annual minimum coverage premium |
|---|---|---|---|
| Geico Rating: 4.4 stars out of 54.4Bankrate Score | 824/1,000 | $35 | $415 |
| State Farm Rating: 4.2 stars out of 54.2Bankrate Score | 817/1,000 | $46 | $547 |
| Progressive Rating: 4.2 stars out of 54.2Bankrate Score | 803/1,000 | $47 | $559 |
| Mercury Rating: 3.2 stars out of 53.2Bankrate Score | 827/1,000 | $46 | $557 |
| Wawanesa Rating: 3.1 stars out of 53.1Bankrate Score | 879/1,000 | $49 | $593 |
Table of Contents
How to choose the best car insurance companies in California?
To choose the best car insurance company in California, you need to do research and look at different options. Look for top companies that have a good name, are financially stable, have good customer service, and offer different types of coverage. Get multiple quotes and compare costs, deductibles, and premiums. Check for discounts based on your age, how safe your car is, and your driving record. Make sure the coverage options, such as liability, collision, comprehensive, and uninsured/underinsured driver coverage, meet your needs. Check with companies like A.M. Best, Moody’s, and Standard & Poor’s to see how happy customers are and how stable the company’s finances are. If you follow these steps, you should be able to choose the best car insurance company for your needs.
1: Geico
Geico is known for offering high-quality protection at an affordable price. Not only does the company provide competitive rates, but they also offer additional discounts to help you save even more money. Geico covers a range of vehicles, from classic cars and luxury models to family vehicles and commercial vehicles. With a variety of coverage options available, it’s easy to find the right plan for your vehicle.
2: AAA NorCal
AAA is another well-known provider with years of experience insuring drivers throughout California. The provider offers plans specifically tailored to drivers in the area, such as its Basic Auto coverage and a Premium Car Insurance plan. With AAA, drivers can get up to 20% off for purchasing a multi-car policy. Plus, drivers can take advantage of additional discounts if they have safety features and anti-theft devices installed in their vehicles.
3: Progressive
Another top car insurance company in California is Progressive. Offering a variety of coverage options, Progressive allows drivers to customize their plans to meet their needs and budget. With competitive rates, roadside assistance, and 24/7 customer service, it’s easy to see why Progressive is one of the top car insurance companies in California. Additionally, the company offers convenient features like digital ID cards and Snapshot® discounts – which can save you up to 30% on your car insurance plan.
4: State Farm
State Farm is one of California’s most popular car insurance companies. This highly-rated provider offers an array of coverage options and competitive rates, making them a great option for all Californians. State Farm also offers unique benefits such as accident forgiveness, which can prevent your rates from increasing after your first at-fault accident. Customers can also benefit from the company’s 24/7 helpline and convenient online tools, making it easier than ever to file claims and adjust their policies.
5: Allstate
Allstate Insurance is one of the most prominent providers in California. This provider offers policies suited for all drivers, from those who need basic coverage to young drivers who may require more comprehensive options. Allstate stands out with its 24/7 accident-to-assist line and helpful online tools to easily file a claim and access policy documents. Plus, car insurance customers can get discounts if they bundle their home and auto policies together.
Compare Rates & Coverage of the Best Car Insurance Companies in California
The best way to compare California car insurance companies is to look at their rates and coverage. Each insurer offers different levels of protection, so it’s important to know what’s included in each policy. Make sure you understand the limits of any liability coverage, as well as what discounts are available. Also, make sure to compare deductibles, which will help determine how much you can save on your premiums.
