Compare Car Insurance Rates in California
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Did You Know?
- Drivers who compare rates save an average of $427 per year
- California car insurance rates increased by 25% in the past year
- 95% of drivers overpay for car insurance by not comparing quotes
California Car Insurance Rate Comparison
Compare rates and features from top car insurance providers in California. Rates are based on a 35-year-old driver with a clean record.
| Company | Sample Rate | Accident Forgiveness | Roadside Assistance | Rental Car Coverage | New Car Replacement | Best For | |
|---|---|---|---|---|---|---|---|
Progressive | $85/mo | Overall Value | Get Your Quote | ||||
Kemper | $90/mo | Full Coverage | Get Your Quote | ||||
Infinity | $78/mo | Budget Friendly | Get Your Quote | ||||
Mercury | $95/mo | Premium Coverage | Get Your Quote |
* Rates shown are monthly estimates for a 35-year-old driver with a clean record and good credit in California. Your actual rates may vary.
How to Compare Car Insurance Effectively
Know Your Coverage Needs
Before comparing rates, understand what coverage you need. California requires minimum liability coverage of 15/30/5, but most drivers benefit from higher limits and additional coverages like comprehensive and collision.
Compare Apples to Apples
When comparing quotes, make sure you're using the same coverage limits and deductibles across all insurers. This ensures you're making a fair comparison of rates.
Look Beyond the Price
While price is important, also consider customer service ratings, claims satisfaction, and financial stability. The cheapest option isn't always the best if the company has poor customer service or slow claims processing.
Ask About Discounts
Inquire about all available discounts, such as multi-policy, good driver, good student, or vehicle safety feature discounts. Different insurers offer different discount programs that could significantly lower your premium.
Review Regularly
Car insurance rates change regularly, so compare quotes at least once a year or whenever your circumstances change (moving, buying a new car, adding a driver, etc.).
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