Question 1

How much is car insurance in California?

Accepted Answer

California drivers should be prepared for higher rates. The average minimum insurance cost in California is $56, while full coverage costs around $182.

Question 2

Why is California car insurance so expensive?

Accepted Answer

California’s high urban population, health care prices, and weather risks contribute to expensive rates. However, finding the best auto insurance in CA is still possible. Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.

Question 3

Which insurance company is the cheapest in California?

Accepted Answer

The cheapest car insurance company in California depends on your unique circumstances. However, companies like Geico, Progressive, State Farm, and Wawanesa offer the lowest average rates in California.

Question 4

Does your credit score affect your rates in California?

Accepted Answer

Californians with low credit scores will be happy to know that state law does not allow insurance companies to use your score to determine your rates.

Question 5

Does California have a low-income program for car insurance?

Accepted Answer

You must meet eligibility requirements, including having a driver’s license, being at least 16 years old, and having a car valued at less than $25,000.

Question 6

Can you self-insure your car in California?

Accepted Answer

Most drivers buy minimum insurance, but you can self-insure in California. You have a few options — make a $35,000 deposit with the DMV or buy a $35,000 surety bond.

Question 7

What should I do if I’m involved in an accident in California?

Accepted Answer

If you’re involved in an accident in California, first ensure your safety and the safety of others involved. Contact the authorities to report the accident, and if necessary, seek medical attention for any injuries.
Exchange information with the other party involved, including names, contact details, and insurance information. Notify your insurance company about the accident as soon as possible to initiate the claims process.

Question 8

How can I find affordable auto insurance in California?

Accepted Answer

To find affordable auto insurance in California, it’s important to shop around and compare quotes from multiple insurance providers. Rates can vary significantly, so obtaining quotes from different companies allows you to find the most competitive prices.
Additionally, maintaining a clean driving record, opting for higher deductibles, and exploring available discounts can help lower your premiums.

Question 9

Are there any discounts available for auto insurance in California?

Accepted Answer

Yes, there are various discounts available for auto insurance in California. Insurance companies may offer discounts for safe driving records, completing driver education courses, bundling multiple policies, having certain safety features in your vehicle, and more. We recommend asking about available discounts when obtaining quotes from insurance providers.

Question 10

Are there any specific considerations for insuring a vehicle in California?

Accepted Answer

Insuring a vehicle in California may require additional considerations. California is known for having a higher population density, which can lead to increased traffic and a higher risk of accidents. It’s important to ensure that your coverage limits are adequate to protect your assets and consider optional coverages such as comprehensive and uninsured/underinsured motorist coverage.
Start saving on your auto insurance by entering your ZIP code below and comparing quotes.

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Best California Auto Insurance in 2025 (Your Guide to the Top 10 Companies)

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Tag: personal injury protection

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Best California Auto Insurance in 2025 (Your Guide to the Top 10 Companies)

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