Best Auto Insurance Companies in California for 2025 (Top 10 Providers Ranked)
Progressive, State Farm, and Nationwide are the best auto insurance companies in California. With rates starting at $55 per month, California drivers may be able to save more with discounts and UBI programs. Many of the top California auto insurance companies also offer additional wildfire coverage.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: May 1, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: May 1, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
The best auto insurance companies in California include Progressive, State Farm, and Nationwide.
The companies that provide cheap car insurance in California also offer ample discounts and a wide variety of coverage options to fit any need.
Our Top 10 Company Picks: Best California Auto Insurance| Company | Rank | Good Driver Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 30% | A+ | Snapshot Program | Progressive |
 | #2 | 25% | A++ | Local agents | State Farm |
 | #3 | 40% | A+ | UBI Savings | Nationwide |
 | #4 | 26% | A++ | Affordable Rates | Geico |
 | #5 | 10% | A++ | Catastrophe Coverage | Travelers |
 | #6 | 25% | A | Student Savings | American Family |
 | #7 | 30% | A | Bundling Discounts | Farmers |
 | #8 | 30% | A++ | Military Savings | USAA |
 | #9 | 20% | A | Flexible Coverage | Liberty Mutual |
 | #10 | 25% | A+ | Claims Satisfaction | Allstate |
Read on to compare the best auto insurance companies in California to see which ones interest you. Then, compare quotes by entering your ZIP code into our free comparison tool today.
- California drivers pay a little less than the national average for car insurance
- The best companies for California car insurance include Progressive and State Farm
- California drivers can save by finding discounts and comparing quotes
Although Progressive is our top choice for California auto insurance, it may not be the best choice for you. Make sure to carefully consider your options below before you sign up for a policy.
#1 – Progressive: Top Pick Overall
Pros
- Snapshot Program: Get the best California auto insurance prices by signing up for Progressive’s usage-based insurance program, Snapshot.
- Competitive Rates: Progressive provides some of the cheapest auto insurance in California. See how much you might pay in our Progressive auto insurance review.
- Superior Online Tools: California drivers looking for a modern insurance experience will enjoy Progressive’s user-friendly website and mobile app.
Cons
- Rate Increases: Some Progressive customers in California report that their premiums increased unexpectedly.
- Limited Local Agents: Progressive has fewer in-person offices in California compared to some competitors.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
#2 – State Farm: Best for Local Agents
Pros
- Drive Safe & Save: Get the cheapest CA auto insurance quotes possible by saving up to 30% with State Farm’s Drive Safe & Save.
- Extensive Agent Network: State Farm maintains a large network of local agents across California for personalized service.
- Comprehensive Coverage: California offers a wide range of policy options and add-ons. Explore all your options in our State Farm auto insurance review.
Cons
- Digital Experience: State Farm’s online tools may not be as advanced as some California drivers might prefer.
- Limited Discounts: Although State Farm offers some of the best California auto insurance quotes, it has fewer discount options compared to some insurers.
#3 – Nationwide: Best for UBI Savings
Pros
- Vanishing Deductible: Nationwide offers a vanishing deductible to safe California drivers. Learn more in our Nationwide auto insurance review.
- SmartRide Program: Reduce your California car insurance costs with SmartRide from Nationwide, which offers savings of up to 40%.
- Accident Forgiveness: Signing up for Nationwide’s accident forgiveness prevents rate increases after the first at-fault accident for California drivers.
Cons
- Limited Availability: Some Nationwide programs may not be available in all areas of California. Make sure to check what’s available with a representative before you sign up for a policy.
- Premium Variability: Getting the cheapest California auto insurance rates may not be possible with Nationwide, as rates can vary.
#4 – Geico: Best for Affordable Rates
Pros
- Affordable Premiums: Geico offers cheap California auto insurance for most drivers. Learn more in our Geico auto insurance review.
- Discount Programs: Geico helps lower California auto insurance costs by offering various discounts for safe driving, students, and more.
- 24/7 Customer Service: Get round-the-clock support for claims and inquiries in California when you sign up for a Geico policy.
Cons
- Claims Process: Although Geico is one of the best California auto insurance companies, some customers report delays in claims handling.
- Customization: Geico offers fewer customizable policy options in California, with gap insurance being the most notable.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
#5 – Travelers: Best for Catastrophe Coverage
Pros
- Catastrophe Coverage: Travelers offers strong support to California drivers during natural disasters like wildfires.
- Discount Opportunities: With 15 discounts you may qualify for, Travelers makes it easier to find cheap car insurance in California.
- Financial Strength: Travelers’ A++ from A.M. Best indicates that this is a strong company California drivers can rely on to pay auto insurance claims.
Cons
- Premium Costs: Despite offering so many discounts, Travelers’ rates may be expensive in higher-risk areas throughout California.
- Customer Service: Travelers receives mixed reviews on claims processing times and customer service. See more ratings in our Travelers auto insurance review.
#6 – American Family: Best for Student Savings
Pros
- KnowYourDrive: American Family’s UBI program KnowYourDrive helps California drivers save up to 20%. To see if KnowYourDrive is right for you, check out our American Family auto insurance review.
- Customizable Policies: Get the best California auto insurance with American Family’s flexible coverage options to suit individual needs.
- Generous Discounts: With 18 discounts – including several for students – American Family offers California drivers plenty of ways to save.
Cons
- Premium Variability: Estimating how much you might pay for car insurance in California from American Family can be difficult since rates vary so widely.
- Digital Tools: California drivers are often disappointed with American Family’s online platform since it lacks some advanced features.
#7 – Farmers: Best for Bundling Discounts
Pros
- Signal Program: Reduce your California car insurance coverage costs by up to 30% with Farmers’ Signal app. Unlike some UBI programs, Signal promises not to raise your rates if you don’t drive well enough.
- Comprehensive Coverage: Farmers offers a wide range of policy options and add-ons so you can customize your policy the way you’d like.
- Bundling Opportunities: Farmers offers savings when combining auto with other California insurance products. Explore all of Farmers coverage options in our Farmers auto insurance review.
Cons
- Higher Premiums: Farmers is often more expensive than some competitors in urban areas like Los Angeles or San Francisco.
- Discount Qualifications: Some Farmers advertised discounts have strict eligibility requirements that may not apply to all California drivers.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
#8 – USAA: Best for Military Savings
Pros
- Military Programs: USAA offers specialty discounts and programs for active and retired military members in California and their families.
- Competitive Rates: USAA offers some of the best auto insurance in California by having affordable rates for most drivers.
- Excellent Customer Service: USAA has a reputation for excellent customer service, making it an excellent choice for California car insurance.
Cons
- Eligibility Restrictions: California auto insurance from USAA is only available to active duty military, veterans, and their immediate families.
- Limited Coverage Options: USAA doesn’t offer California drivers as many insurance options as some of its competitors, which is a drawback if you want full coverage. Read more: Does USAA offer gap insurance?
#9 – Liberty Mutual: Best for Flexible Coverage Options
Pros
- Flexible Coverage: California drivers can tailor coverage with Liberty Mutual add-ons like new car replacement and accident forgiveness.
- RightTrack Telematics: Get up to 30% off premiums for safe driving behavior from Liberty Mutual’s RightTrack.
- Strong Natural Disaster Coverage Options: Liberty Mutual provides enhanced options for fire, flood, and earthquake-related damages in California.
Cons
- Higher Rates in Urban Areas: Liberty Mutual auto insurance can be expensive in large California cities, especially for younger drivers. Compare rates in our Liberty Mutual review.
- Limited Local Agent Support: While agents are available in California, Liberty Mutual primarily focuses on digital tools and phone support.
#10 – Allstate: Best for Claims Satisfaction
Pros
- Claim Satisfaction Guarantee: Allstate offers California drivers a refund when they’re unhappy with the claims experience.
- Drivewise Program: Allstate’s UBI program Drivewise rewards California drivers for safe driving with up to 40% off.
- Wide Range of Coverage Options: Get the exact coverage you want with Allstate’s long list of coverage options. See what’s available in California in our Allstate auto insurance review.
Cons
- Higher Premiums: It may offer more coverage options than most, but Allstate is also one of the most expensive insurance companies in California.
- Mixed Claims Experience: Some California customers report slower Allstate claim processing times during wildfire or storm-related surges.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
California Auto Insurance Rates
Despite California having a reputation for expensive insurance, auto insurance rates in the Golden State tend to be a bit lower than the national average. There are many ways how insurance companies calculate your rates, but prices tend to stay low in California thanks to state laws.
Thanks to these laws, you can get affordable coverage from the top companies in California.
Choosing which company is right for you depends on more than just prices, but the average cost of insurance from each company is a good place to start. Check below to see average costs from the top companies in California.
Auto Insurance Monthly Rates in California by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $102 | $312 |
| $71 | $216 |
| $85 | $261 |
| $51 | $157 |
| $110 | $338 |
| $73 | $223 |
| $68 | $207 |
| $55 | $169 |
| $53 | $248 |
| $38 | $116 |
When you need the cheapest insurance, Geico is the best choice for drivers who aren’t military members. If you’re an active or retired military member, USAA is probably cheaper.
The rates listed above are only averages – if you want to get a better idea of how much insurance will cost you, check the rates below.
Auto Insurance Monthly Rates in California by Provider, Age, & Gender| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $328 | $388 | $161 | $166 | $138 | $134 | $111 | $123 |
| $368 | $410 | $166 | $150 | $121 | $149 | $114 | $107 |
| $326 | $366 | $148 | $188 | $113 | $124 | $114 | $134 |
| $313 | $361 | $163 | $155 | $114 | $149 | $130 | $131 |
| $358 | $403 | $154 | $162 | $145 | $127 | $113 | $100 |
| $376 | $385 | $167 | $152 | $120 | $136 | $121 | $108 |
| $330 | $397 | $152 | $177 | $128 | $144 | $124 | $116 |
| $347 | $407 | $165 | $160 | $139 | $132 | $115 | $129 |
| $359 | $390 | $160 | $172 | $118 | $140 | $119 | $112 |
| $312 | $356 | $145 | $150 | $110 | $125 | $105 | $109 |
You’ll probably notice that teens pay a lot more for coverage in California. Insurance companies charge young drivers more because they represent a higher risk. Other factors that affect your California insurance rates include your ZIP code, what type of vehicle you drive, and even your marital status.
Brandon Frady Licensed Insurance Agent
While these factors are important, one of the most critical is your driving record. Drivers with traffic violations like speeding tickets and at-fault accidents can pay much higher rates.
California Auto Insurance Rates by Driving Record
One of the easiest ways to find the cheapest car insurance in California is to keep your driving record clean. Drivers with traffic violations can pay up to 50% or more on their insurance. This price increase is one reason why you should compare rates with as many companies as possible.
To get an idea of how much you might pay for your insurance based on your driving record, check the rates below.
Auto Insurance Monthly Rates in California by Provider & Driving Record| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $128 | $148 | $183 | $242 |
| $131 | $158 | $176 | $263 |
| $137 | $181 | $200 | $303 |
| $134 | $169 | $188 | $234 |
| $122 | $174 | $201 | $254 |
| $150 | $154 | $214 | $288 |
| $130 | $189 | $192 | $298 |
| $141 | $175 | $180 | $269 |
| $127 | $160 | $172 | $230 |
| $133 | $146 | $186 | $241 |
When you have traffic violations on your record, comparing insurance quotes is more important than ever. Since rates can increase so much after a violation, you should compare quotes even if you already have insurance.
Unfortunately, traffic violations will affect your insurance until they fall off your record. Basic violations like speeding tickets and accidents last about three years. However, if you’re wondering, “How long does a DUI stay on your record?” you’ll be stuck with it for 10 years.
Best Types of Auto Insurance in California
Whether you want full coverage or a policy that meets the bare minimum California car insurance requirements, most providers offer the same basic types of coverage.
Most drivers have their coverage needs met with the basic types of insurance. These include:
- Liability Insurance: Liability coverage pays for injuries and damages you cause after an accident you cause. While you do need liability insurance in California, it’s usually cheap.
- Comprehensive Insurance: For all of the unexpected ways your car can get damaged, the best auto insurance companies for comprehensive coverage will cover your repairs.
- Collision Insurance: The best car insurance companies for collision coverage make sure your car repairs are covered after an accident, no matter who was at fault.
- Personal Injury Protection/Medical Payments: Personal injury protection (PIP) and medical payments coverage handles health care expenses after an accident for you and your passengers.
- Uninsured/Underinsured Motorist: Purchase uninsured/underinsured motorist coverage to pay for repairs and medical expenses after car accidents involving uninsured and underinsured drivers.
While these are the basic types of insurance, there are plenty of add-ons you can purchase. Popular auto insurance add-ons in California include gap insurance, rental car reimbursement, and roadside assistance.
Chris Abrams Licensed Insurance Agent
While add-ons are never a bad idea, they will increase your insurance rates. Make sure you only buy what you need to avoid expensive premiums.
California Auto Insurance Requirements
Like most states, you need to have auto insurance in California before you can drive. To see what you need before you can drive in California, check out the video below.
While you need insurance to drive in California, you don’t need to memorize these requirements. Any representative from a reputable insurance company will know California’s minimum requirements.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
How to Save on California Auto Insurance
Looking for ways to save on your insurance? Picking the right company is the best – and easiest – place to find affordable coverage.
Getting driver discounts to get low-cost auto insurance is the easiest way to find cheap coverage. However, you can use the following techniques to reduce your rates further:
- Increase your deductible
- Lower your coverage
- Keep your record clean
- Compare quotes
Finding discounts is one of the most crucial aspects of getting affordable coverage, however. Most companies offer a variety of ways to save through discounts.
Best California Auto Insurance Discounts
Finding discounts is an easy way to reduce your insurance rates. Luckily, it’s an easy process to complete as well. From the best good student auto insurance discounts to savings for how you pay for your policy, check out some of the most popular discounts in California below.
Top Auto Insurance Discounts in California| Insurance Company | Anti-Theft | Bundling | Good Driver | Good Student | UBI |
|---|---|---|---|---|---|
| 10% | 25% | 25% | 25% | 30% |
| 25% | 25% | 25% | 20% | 30% |
| 10% | 20% | 30% | 15% | 30% |
| 25% | 25% | 26% | 15% | 25% |
| 35% | 25% | 20% | 12% | 30% |
| 5% | 20% | 40% | 18% | 40% |
| 25% | 10% | 30% | 10% | $231/yr |
| 15% | 17% | 25% | 35% | 30% |
| 15% | 13% | 10% | 8% | 30% |
| 15% | 10% | 30% | 10% | 30% |
The good news about discounts is that most automatically apply to your account. However, some might require documentation. For example, a good student discount requires that you submit your grades before you’ll see savings.
You can also enroll in usage-based insurance programs to save even more, though you’ll need to practice safe driving habits.
Most major insurance providers offer UBI programs to help safe drivers keep their coverage affordable.
Find the Best Auto Insurance Companies in California Today
Finding the best auto insurance companies in California is usually easy, especially if you know how to save money by comparing online auto insurance quotes. Starting with the best insurance in California is a great place to find affordable coverage.
Now that you know more about California auto insurance, your next step to find coverage is to compare quotes. Enter your ZIP code into our free comparison tool to get started.
Frequently Asked Questions
What are the best auto insurance companies in California?
The best insurance companies in California include Progressive, State Farm, and Nationwide. California drivers appreciate these companies for their affordable rates, excellent customer service, and generous discounts.
Is auto insurance expensive in California?
California drivers tend to pay a little less than the national average, especially those who live outside major cities. However, several factors affect your insurance rates. For example, the best auto insurance for seniors in California is different than the best providers for teen drivers.
How much is minimum auto insurance in California?
Minimum insurance rates in California start at $55 per month when you shop at Geico. Military members can get affordable minimum coverage from USAA for $38 per month.
How much is full coverage auto insurance in California?
The best auto insurance companies for comprehensive coverage start rates at $157 per month in California.
What is California state minimum auto insurance?
California’s minimum auto insurance requirements include a 30/60/15 liability plan.
What is the cheapest auto insurance in California?
The cheapest companies in California tend to be Geico and USAA. However, the best car insurance for safe drivers in California might be different than insurance for high-risk drivers.
How much is auto insurance in California after a DUI?
Auto insurance after a DUI starts at $230 per month. If you have a DUI conviction, make sure to compare rates to find affordable coverage. Enter your ZIP code into our free comparison tool to get started.
How can California drivers save on their auto insurance?
California drivers can save on their insurance by increasing their deductibles, lowering their coverage, and keeping their driving records clean. You should also look for discounts that apply directly to you. For example, you can find the best California state employee car insurance discounts if you work for the state, student savings for young drivers in school, and savings for being a good driver.
What happens if you drive without insurance in California?
People who drive in California without insurance face fines of around $200, vehicle impoundment, and even license suspension. You’ll also have to maintain SR-22 insurance for up to three years.
Does California require SR-22 auto insurance?
Yes, California requires that you maintain SR-22 insurance after your license has been suspended or revoked, or if you are required to drive with an ignition interlock device.
Enter your ZIP code below to compare cheap insurance rates.
Secured with SHA-256 Encryption
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.