Cheap Car Insurance in California 2019

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Cheapest auto insurance companies in California

Average California car insurance premiums by company

Company

(click to see company information)

Average annual premium in California

The Hartford

$1,381

Auto-Owners Insurance

$1,403

Ameriprise

$1,405

Dairyland Insurance

$1,408

MetLife

$1,460

21st Century

$1,482

Geico

$1,504

American Family Insurance

$1,505

The General

$1,514

Travelers

$1,550

MAPFRE Insurance

$1,565

Esurance

$1,570

National General

$1,583

Liberty Mutual

$1,595

State Farm

$1,597

Infinity Insurance

$1,600

USAA

$1,602

Progressive Insurance

$1,607

Mercury Insurance

$1,612

Amica

$1,615

Allstate

$1,632

American National

$1,647

Nationwide Insurance

$1,676

AAA Insurance/Auto Club

$1,710

Farmers Insurance

$1,711

American Alliance

$1,739

Safeco

$1,756

Average premiums in California

Insurance increases after a speeding ticket in California

California drivers who get a speeding ticket see an average premium increase of 47% at renewal time.

Clean driving record Speeding ticket     % increase
California

$1,596/year

$2,339/year

47%

Nationwide average

36%

Insurance increases after an accident in California

California drivers who cause an accident get an average premium increase of 36% at renewal time.

State Clean driving record Chargeable accident, no injury % increase
California

$1,596/year

$2,339/year

47%

Nationwide average

36%

Insurance increases after a DUI in California

If you're convicted of a DUI, the average premium increase at renewal time is 39%.

Clean record DUI % increase
California

$1,596/year

$2,213/year

39%

California's Low Cost Auto Insurance Program

California has a program that provides affordable liability insurance to drivers who meet eligibility requirements. It's an effort to make sure all drivers can pay for basic auto insurance. To qualify, you must be at least 16, have a valid California driver's license, have a car valued at $25,000 or less, and meet income eligibility guidelines. See more at MyLowCostAuto.com.

Average premiums by California city

City

Average annual premium

Alameda

$1,511

Alhambra

$1,815

Anaheim

$1,687

Antioch

$1,691

Apple Valley

$1,415

Bakersfield

$1,539

Bellflower

$1,576

Berkeley

$1,557

Buena Park

$1,670

Burbank

$1,784

Camarillo

$1,462

Canoga Park

$1,927

Canyon Country

$1,677

Carlsbad

$1,522

Carmichael

$1,640

Carson

$1,691

Chico

$1,281

Chino

$1,624

Chula Vista

$1,554

Citrus Heights

$1,481

Clovis

$1,649

Colton

$1,563

Compton

$1,560

Concord

$1,633

Corona

$1,632

Costa Mesa

$1,570

Covina

$1,532

Daly City

$1,746

Desert Hot Springs

$1,575

Downey

$1,774

El Cajon

$1,579

Elk Grove

$1,632

Escondido

$1,515

Fairfield

$1,626

Fontana

$1,633

Fremont

$1,540

Fresno

$1,488

Fullerton

$1,688

Garden Grove

$1,577

Gardena

$1,913

Glendale

$1,877

Hawthorne

$1,513

Hayward

$1,549

Hemet

$1,427

Hesperia

$1,433

Huntington Beach

$1,565

Indio

$1,500

Inglewood

$1,761

Irvine

$1,573

La Mesa

$1,373

La Puente

$1,514

Laguna Hills

$1,433

Lake Elsinore

$1,484

Lakewood

$1,563

Lancaster

$1,657

Lodi

$1,469

Long Beach

$1,555

Los Angeles

$1,787

Manteca

$1,529

Merced

$1,451

Milpitas

$1,368

Modesto

$1,552

Moreno Valley

$1,558

Mountain View

$1,645

Murrieta

$1,569

Napa

$1,594

Newport Beach

$1,708

North Hollywood

$1,884

Northridge

$1,869

Oakland

$1,750

Oceanside

$1,476

Ontario

$1,574

Orange

$1,680

Oxnard

$1,537

Palm Desert

$1,432

Palm Springs

$1,455

Palmdale

$1,579

Palo Alto

$1,604

Pasadena

$1,716

Perris

$1,504

Petaluma

$1,550

Pittsburg

$1,568

Pleasanton

$1,383

Pomona

$1,531

Rancho Cordova

$1,574

Rancho Cucamonga

$1,666

Redding

$1,345

Redlands

$1,423

Redondo Beach

$1,549

Redwood City

$1,551

Reseda

$1,625

Rialto

$1,720

Richmond

$1,719

Riverside

$1,550

Rocklin

$1,620

Roseville

$1,559

Sacramento

$1,589

Salinas

$1,539

San Bernardino

$1,457

San Diego

$1,512

San Francisco

$1,715

San Jose

$1,580

San Leandro

$1,681

San Marcos

$1,525

San Mateo

$1,623

San Pablo

$1,658

San Pedro

$1,601

San Rafael

$1,486

Santa Ana

$1,615

Santa Barbara

$1,447

Santa Clara

$1,547

Santa Cruz

$1,417

Santa Maria

$1,578

Santa Monica

$1,732

Santa Rosa

$1,520

Santee

$1,570

Sherman Oaks

$1,966

Simi Valley

$1,534

Spring Valley

$1,464

Stockton

$1,708

Sun City

$1,468

Sunnyvale

$1,461

Temecula

$1,579

Thousand Oaks

$1,638

Torrance

$1,617

Tracy

$1,581

Tustin

$1,617

Union City

$1,529

Upland

$1,501

Vacaville

$1,581

Vallejo

$1,749

Van Nuys

$1,851

Ventura

$1,484

Victorville

$1,605

Visalia

$1,431

Vista

$1,588

Walnut Creek

$1,446

West Covina

$1,584

Westminster

$1,590

Whittier

$1,557

Woodland Hills

$1,859

California auto insurance requirements

In California you must show an insurance ID card (or other proof of financial responsibility) when:

  • Law enforcement requests it
  • You renew vehicle registration
  • Your vehicle is involved in a car accident

Penalties for not having car insurance in California

  • First offense: $100 to $200 fine plus penalties
  • Second offense within three years: $200 to $500 fine plus penalties and possible impoundment of vehicle

Source: Property Casualty Insurers Association of America

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated Aug. 21, 2019

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