Compare California Car Insurance Rates [2023]
The average California car insurance rates are $79.31/mo. CA requires minimum liability coverage at 15/30/5. Compare quotes online to reduce your rates.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jul 31, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 31, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
| California Statistics Summary | Details |
|---|---|
| Road Miles | Total in State: 225,531 Vehicle Miles Driven: 332.9 Billion |
| Driving Deaths | Speeding: 1,070 - 30% Drunk Driving: 1,120 - 31% |
| Vehicles | Registered: 27,872,875 Total Stolen: 151,852 |
| Most Popular Vehicle | Honda Civic |
| Average Premiums (Annual) | Liability: $490 Collision: $397 Comprehensive: $101 Combined Premiums: $987 |
| Percent of Motorists Uninsured | 15.2% State Rank: 12th |
| Cheapest Provider | USAA |
California is famous for fame itself. From the entertainment industry in Hollywood to the tech and media giants of Silicon Valley to the 55 electoral college votes it boasts, California has a knack for always being at the forefront of the conversation in contemporary American dialogue.
The Eureka State sure knows how to grab and keep our attention. And why shouldn’t we pay attention to a state that is home to so many iconic brands? Warner Brothers Studios, MGM Studios, Sony Pictures, Disneyland, Apple, Google, Facebook, UCLA Men’s Basketball, USC Football, the Los Angeles Lakers, the Los Angeles Dodgers, the Golden State Warriors, the San Francisco 49ers, and so many more.
With so many titans of tech, sports, media, and entertainment laying roots in the Golden State, it is no wonder California gets so much love (and hate).
From Oakland to Sactown (Sacramento), the Bay Area and back down, everyone is on a mission to find the best car insurance companies in their area.
Enter your ZIP code now to get the best auto insurance rates in the state of California!
How to get California insurance coverage and rates
Rummaging through all the data to find the most pertinent nuggets of information on all the car insurance companies in California can hardly be described as a glamorous task.
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The good news is we’ve taken all the pomp and circumstance out of the research process for you. By utilizing this helpful guide, you’ll ensure that you can get quality car insurance that’s right for you without having to have been born with a silver spoon in your mouth.
We’ll help you to know what the Golden State requires, what you may desire, and where you can get the best auto insurance in California for your circumstance.
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What’s California minimum coverage?
While some states offer no-fault car insurance, California is a fault state (also commonly known as “tort”), meaning the person who is found to be responsible for causing the auto accident is also legally and financially responsible for any subsequent damages.
All drivers in California are required to carry minimum liability insurance levels of 15/30/5 to satisfy basic overage. This means that car owners must carry the following minimum levels of liability insurance:
- $15,000 for bodily injury or death per person in an accident caused by the owner of the insured vehicle
- $30,000 for total bodily injury or death per accident caused by the owner of the insured vehicle
- $5,000 for property damage per accident caused by the owner of the insured vehicle
Drivers in California have the option to purchase Medical Payments Coverage (Med Pay) of at least $1,000 to cover medical expenses after a crash regardless of who caused the car crash.
As long as you were not at fault in an automobile accident, insurance companies cannot raise your insurance rates for activating your insurance benefits, including Med Pay coverage.
The state of California does not require you to carry Uninsured/Underinsured Motorist coverage, but it might not be a bad idea for you to add it to your base coverage.
The onus is on each individual motorist on how much risk he or she is willing to assume. One must decide if the extra dozens of dollars a month he or she saves from foregoing Uninsured/Underinsured Motorist coverage is worth the potential tens of thousands of dollars of personal liability to which one would be exposed in litigation in the case of an at-fault accident.
If a driver has substantial assets that he or she desires to protect, he or she should consider increasing his or her liability coverage.
Experts advise that if you do choose to purchase liability coverage make sure to increase the limits to 100/300/50.
Next, we will explore how much money drivers in California spend on average on their car insurance. The amount you will actually pay will more than likely differ from these stated amounts; however, this data should serve as a helpful blueprint that you can apply to your current situation with confidence.
What percentage of income are car insurance rates in California?
The late comedian Fred Allen once bemoaned, “An income tax form is like a laundry list – either way, you lose your shirt.”
This kidding-not-kidding joke captures America’s love-hate (and really only hate) relationship with income taxes because of how they affect one’s Disposable Personal Income (DPI), which is the amount of money left over after paying taxes.
| Insurance as % of Income | Income & Rates |
|---|---|
| Annual full coverage average premiums | $951.75 |
| Annual per capita disposable personal income | $43,978.00 |
| Monthly full coverage average premiums | $79.31 |
| Monthly per capita disposable personal income | $3,664.83 |
| Percentage of income | 2.16% |
You are mandated by law to carry at least the basic liability coverage. Full coverage refers to an auto insurance policy that includes liability, comprehensive, and collision insurance. Here’s a peek at the average cost of each:
| Coverage Type | California Average | National Average |
|---|---|---|
| Collision | $397 | $323 |
| Comprehensive | $101 | $148 |
| Liability | $490 | $539 |
| Full coverage | $988 | $1,009 |
Now that we have sorted through some data about auto insurance costs to the individual consumer, let’s take a look at some important statistics about the insurance companies themselves.
How does the loss ratio affect car insurance?
First, let’s examine loss ratio and what it means for your insurance. What exactly is a loss ratio? How and why does it affect your premiums?
https://youtu.be/w62D16qYX6A
The insurance loss ratio is the proportionate relationship of incurred losses to earned premiums expressed as a percentage. A high loss ratio means that an insurance company has too many customers filing claims, which will subsequently lead to a rise in future premiums for all consumers.
For example, an auto insurer collects $100,000 of premiums in a given year and pays out $25,000 in claims, the company’s loss ratio is 25 percent ($25,000 incurred losses/$100,000 earned premiums).
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Are there any add-ons, endorsements, or riders?
Just over 15 percent of drivers in California (15.2 percent to be precise) are driving without insurance, which ranks as the 12th highest percentage in the nation.
The California Department of Insurance has created the Automobile Insurance Information Guide as a thorough and useful reference for all the insurance enhancements available to you, complete with tips and tidbits on how to select from among the many options.
Pay-by-the-mile auto insurance plans offered by companies like Metromile are increasingly popular and available in the California Commonwealth.
Other Usage-Based Insurance programs (UBI) are active and available to drivers in California. Programs like SmartRide from Nationwide or Drive Safe & Save from State Farm offer discounts to drivers based on their driving acumen.
In addition to these add-ons, there are several more optional enhancements that you can explore to decide which ones may be right for you:
- Guaranteed Auto Protection (GAP)
- Personal Umbrella Policy (PUP)
- Rental Car Reimbursement
- Emergency Roadside Assistance
- Mechanical Breakdown Insurance
- Non-Owner Car Insurance
- Modified Car Insurance Coverage
- Classic Car Insurance
What are the male vs. female rates in California?
California boasts scores of Leading Men and Leading Ladies as permanent residents of the state. If you’re as curious as I am, you may catch yourself, from time to time, about the following question: Which group gets better auto insurance quotes? California Bros or California Girls?
Only one way to find out. Let’s take a look at the data.
| Company | Annual Rates for Single 17-year old female | Annual Rates for Single 17-year old male | Annual Rates for Single 25-year old female | Annual Rates for Single 25-year old male | Annual Rates for Married 35-year old female | Annual Rates for Married 35-year old male | Annual Rates for Married 60-year old female | Annual Rates for Married 60-year old male |
|---|---|---|---|---|---|---|---|---|
| Allstate Northbrook Indemnity | $8,098.88 | $10,188.73 | $3,742.44 | $4,115.50 | $2,921.24 | $2,923.87 | $2,126.03 | $2,148.03 |
| AMCO Insurance | $8,318.27 | $9,186.72 | $3,904.76 | $3,858.43 | $3,272.83 | $3,124.42 | $2,863.68 | $2,699.52 |
| Farmers Ins Exchange | $8,667.08 | $14,189.14 | $3,218.46 | $3,585.17 | $2,715.31 | $2,715.31 | $2,451.83 | $2,451.83 |
| Geico General | $5,433.56 | $5,529.48 | $2,566.22 | $2,624.98 | $1,786.81 | $1,787.80 | $1,680.52 | $1,680.52 |
| SAFECO Ins Co of America | $5,014.43 | $5,348.46 | $2,593.72 | $2,620.60 | $2,303.99 | $2,177.93 | $2,145.20 | $2,077.01 |
| State Farm Mutual Auto | $6,089.50 | $7,555.39 | $3,663.92 | $3,777.69 | $3,310.18 | $3,310.18 | $2,957.44 | $2,957.44 |
| Travelers Commercial Ins Co. | $5,165.60 | $5,906.73 | $3,249.64 | $3,179.78 | $2,497.45 | $2,417.86 | $2,206.26 | $2,182.92 |
| United Financial Casualty | $4,767.78 | $5,748.65 | $2,576.92 | $2,771.33 | $1,785.37 | $1,837.82 | $1,518.62 | $1,802.64 |
Here’s a look at the Most Expensive Demographic rates in the Golden State. Where do you fit in the grand scheme of things? Which company is the best value for you and your family?
| Company | Demographic | Average Annual Rate |
|---|---|---|
| Farmers Ins Exchange | Single 17-year old male | $14,189.14 |
| Allstate Northbrook Indemnity | Single 17-year old male | $10,188.73 |
| AMCO Insurance | Single 17-year old male | $9,186.72 |
| Farmers Ins Exchange | Single 17-year old female | $8,667.08 |
| AMCO Insurance | Single 17-year old female | $8,318.27 |
| Allstate Northbrook Indemnity | Single 17-year old female | $8,098.88 |
| State Farm Mutual Auto | Single 17-year old male | $7,555.39 |
| State Farm Mutual Auto | Single 17-year old female | $6,089.50 |
| Travelers Commercial Ins Co. | Single 17-year old male | $5,906.73 |
| United Financial Casualty | Single 17-year old male | $5,748.65 |
| Geico General | Single 17-year old male | $5,529.48 |
| Geico General | Single 17-year old female | $5,433.56 |
| SAFECO Ins Co of America | Single 17-year old male | $5,348.46 |
| Travelers Commercial Ins Co. | Single 17-year old female | $5,165.60 |
| SAFECO Ins Co of America | Single 17-year old female | $5,014.43 |
| United Financial Casualty | Single 17-year old female | $4,767.78 |
| USAA CIC | Single 17-year old male | $4,428.83 |
| USAA CIC | Single 17-year old female | $4,404.58 |
| Allstate Northbrook Indemnity | Single 25-year old male | $4,115.50 |
| AMCO Insurance | Single 25-year old female | $3,904.76 |
| AMCO Insurance | Single 25-year old male | $3,858.43 |
| State Farm Mutual Auto | Single 25-year old male | $3,777.69 |
| Allstate Northbrook Indemnity | Single 25-year old female | $3,742.44 |
| State Farm Mutual Auto | Single 25-year old female | $3,663.92 |
| Farmers Ins Exchange | Single 25-year old male | $3,585.17 |
| State Farm Mutual Auto | Married 35-year old female | $3,310.18 |
| State Farm Mutual Auto | Married 35-year old male | $3,310.18 |
| AMCO Insurance | Married 35-year old female | $3,272.83 |
| Travelers Commercial Ins Co. | Single 25-year old female | $3,249.64 |
| Farmers Ins Exchange | Single 25-year old female | $3,218.46 |
| Travelers Commercial Ins Co. | Single 25-year old male | $3,179.78 |
| AMCO Insurance | Married 35-year old male | $3,124.42 |
| State Farm Mutual Auto | Married 60-year old female | $2,957.44 |
| State Farm Mutual Auto | Married 60-year old male | $2,957.44 |
| Allstate Northbrook Indemnity | Married 35-year old male | $2,923.87 |
| Allstate Northbrook Indemnity | Married 35-year old female | $2,921.24 |
| AMCO Insurance | Married 60-year old female | $2,863.68 |
| United Financial Casualty | Single 25-year old male | $2,771.33 |
| Farmers Ins Exchange | Married 35-year old female | $2,715.31 |
| Farmers Ins Exchange | Married 35-year old male | $2,715.31 |
| AMCO Insurance | Married 60-year old male | $2,699.52 |
| USAA CIC | Single 25-year old female | $2,670.51 |
| Geico General | Single 25-year old male | $2,624.98 |
| SAFECO Ins Co of America | Single 25-year old male | $2,620.60 |
| SAFECO Ins Co of America | Single 25-year old female | $2,593.72 |
| United Financial Casualty | Single 25-year old female | $2,576.92 |
| Geico General | Single 25-year old female | $2,566.22 |
| USAA CIC | Single 25-year old male | $2,523.86 |
| Travelers Commercial Ins Co. | Married 35-year old female | $2,497.45 |
| Farmers Ins Exchange | Married 60-year old female | $2,451.83 |
| Farmers Ins Exchange | Married 60-year old male | $2,451.83 |
| Travelers Commercial Ins Co. | Married 35-year old male | $2,417.86 |
| SAFECO Ins Co of America | Married 35-year old female | $2,303.99 |
| Travelers Commercial Ins Co. | Married 60-year old female | $2,206.26 |
| Travelers Commercial Ins Co. | Married 60-year old male | $2,182.92 |
| SAFECO Ins Co of America | Married 35-year old male | $2,177.93 |
| Allstate Northbrook Indemnity | Married 60-year old male | $2,148.03 |
| SAFECO Ins Co of America | Married 60-year old female | $2,145.20 |
| Allstate Northbrook Indemnity | Married 60-year old female | $2,126.03 |
While you cannot ever put a price on independence, it’s if you’re an independent woman who is single and 17 in California, you’re going pay to over four times as much to be insured with USAA as a married 35-year-old woman.
What are California insurance rates by zip code?
Which area has better car insurance rates, the Hollywood Hills or San Fernando Valley? East Bay or Palo Alto? La Jolla or Rancho Bernardo?
Let’s find out by taking a look at the most expensive zip codes in California. Here is a chart with the most expensive average annual premiums in California by zip code:
| 25 Most Expensive Zip Codes in California | City | Annual Average by Zip Code | Most Expensive Company | Most Expensive Annual Rate | 2nd Most Expensive Company | 2nd Most Expensive Annual Rate | Cheapest Company | Cheapest Annual Rate | 2nd Cheapest Company | 2nd Cheapest Annual Rate |
|---|---|---|---|---|---|---|---|---|---|---|
| 90004 | LOS ANGELES | $5,928.00 | Allstate | $8,189.47 | Nationwide | $8,127.33 | USAA | $3,847.79 | Progressive | $4,373.15 |
| 90005 | LOS ANGELES | $6,040.60 | Allstate | $8,065.54 | Nationwide | $8,057.13 | USAA | $4,004.33 | Progressive | $4,592.87 |
| 90010 | LOS ANGELES | $6,201.00 | Nationwide | $8,610.21 | Allstate | $8,225.60 | USAA | $4,226.92 | Liberty Mutual | $4,883.02 |
| 90017 | LOS ANGELES | $5,898.73 | Allstate | $8,014.89 | Nationwide | $8,005.94 | USAA | $3,945.10 | Liberty Mutual | $4,632.60 |
| 90020 | LOS ANGELES | $6,132.45 | Nationwide | $8,382.09 | Allstate | $8,360.06 | USAA | $4,004.33 | Geico | $4,512.30 |
| 90027 | LOS ANGELES | $5,897.67 | Nationwide | $8,413.29 | Allstate | $8,189.47 | Progressive | $4,012.84 | USAA | $4,015.30 |
| 90028 | LOS ANGELES | $6,063.25 | Allstate | $8,360.06 | Farmers | $8,208.73 | USAA | $4,004.33 | Geico | $4,393.74 |
| 90029 | LOS ANGELES | $5,934.84 | Farmers | $8,227.86 | Allstate | $8,197.40 | USAA | $3,735.84 | Geico | $4,161.04 |
| 90038 | LOS ANGELES | $6,048.15 | Nationwide | $8,518.96 | Allstate | $8,360.06 | USAA | $3,693.78 | Geico | $4,309.89 |
| 90046 | LOS ANGELES | $6,045.78 | Allstate | $8,225.60 | Nationwide | $8,193.23 | USAA | $3,966.93 | Geico | $4,399.92 |
| 90048 | LOS ANGELES | $5,877.67 | Allstate | $8,276.46 | Nationwide | $8,189.87 | USAA | $3,719.43 | Geico | $4,058.38 |
| 90057 | LOS ANGELES | $5,894.37 | Allstate | $8,016.78 | Nationwide | $8,012.71 | USAA | $3,847.79 | Progressive | $4,225.65 |
| 90069 | WEST HOLLYWOOD | $5,844.28 | Allstate | $8,276.46 | Farmers | $8,037.83 | USAA | $3,671.99 | Liberty Mutual | $4,191.86 |
| 90077 | LOS ANGELES | $5,878.05 | Allstate | $8,190.66 | Farmers | $7,517.86 | Liberty Mutual | $3,925.51 | USAA | $4,125.06 |
| 90210 | BEVERLY HILLS | $6,324.83 | Nationwide | $8,533.47 | Allstate | $8,190.66 | Liberty Mutual | $4,414.40 | USAA | $4,692.62 |
| 90211 | BEVERLY HILLS | $6,199.34 | Nationwide | $8,922.36 | Allstate | $8,190.66 | USAA | $4,245.23 | Liberty Mutual | $4,439.85 |
| 90212 | BEVERLY HILLS | $6,041.05 | Allstate | $8,190.66 | Farmers | $7,792.29 | USAA | $4,245.23 | Liberty Mutual | $4,539.22 |
| 91201 | GLENDALE | $5,847.26 | Nationwide | $8,736.98 | Allstate | $7,952.29 | USAA | $3,808.95 | Liberty Mutual | $4,011.77 |
| 91203 | GLENDALE | $6,086.66 | Nationwide | $9,116.47 | Allstate | $7,952.29 | USAA | $4,004.56 | Liberty Mutual | $4,116.05 |
| 91204 | GLENDALE | $6,015.40 | Nationwide | $8,721.88 | Allstate | $7,952.29 | USAA | $4,004.56 | Liberty Mutual | $4,268.49 |
| 91205 | GLENDALE | $5,990.19 | Nationwide | $8,439.18 | Farmers | $7,685.36 | USAA | $4,004.56 | Liberty Mutual | $4,296.53 |
| 91401 | VAN NUYS | $6,073.88 | Nationwide | $8,651.65 | Allstate | $8,335.75 | USAA | $3,828.03 | Liberty Mutual | $4,506.46 |
| 91405 | VAN NUYS | $6,198.55 | Nationwide | $8,789.36 | Allstate | $8,155.64 | USAA | $3,931.76 | Liberty Mutual | $4,683.16 |
| 91605 | NORTH HOLLYWOOD | $6,034.64 | Nationwide | $8,737.86 | Farmers | $7,959.34 | USAA | $3,808.95 | Liberty Mutual | $4,383.46 |
| 91606 | NORTH HOLLYWOOD | $6,219.57 | Allstate | $8,174.05 | Farmers | $8,102.32 | USAA | $3,931.76 | Liberty Mutual | $4,611.35 |
Where does your hometown rank statewide? If it’s not on our list of most expensive zip codes, below are the least expensive zip codes.
| 25 Least Expensive Zip Codes in California | City | Annual Average by Zip Codes | Most Expensive Company | Most Expensive Annual Rate | 2nd Most Expensive Company | 2nd Most Expensive Annual Rate | Cheapest Company | Cheapest Annual Rate | 2nd Cheapest Company | 2nd Cheapest Annual Rate |
|---|---|---|---|---|---|---|---|---|---|---|
| 93401 | SAN LUIS OBISPO | $2,731.32 | Allstate | $3,488.65 | Nationwide | $3,336.13 | Progressive | $2,177.96 | Liberty Mutual | $2,285.77 |
| 93402 | LOS OSOS | $2,821.16 | Nationwide | $3,411.51 | Allstate | $3,392.02 | Liberty Mutual | $2,324.69 | Progressive | $2,336.39 |
| 93420 | ARROYO GRANDE | $2,824.43 | Nationwide | $3,543.40 | Farmers | $3,404.34 | Progressive | $1,980.83 | Liberty Mutual | $2,298.66 |
| 93422 | ATASCADERO | $2,865.26 | Nationwide | $3,610.36 | Farmers | $3,438.02 | Progressive | $2,058.51 | USAA | $2,391.21 |
| 93427 | BUELLTON | $2,807.43 | Allstate | $3,442.05 | Nationwide | $3,437.39 | Progressive | $2,244.68 | USAA | $2,289.13 |
| 93428 | CAMBRIA | $2,774.88 | Nationwide | $3,395.32 | Allstate | $3,380.26 | Progressive | $2,234.71 | Geico | $2,242.78 |
| 93430 | CAYUCOS | $2,850.58 | Nationwide | $3,460.36 | Allstate | $3,361.53 | Liberty Mutual | $2,344.53 | USAA | $2,423.24 |
| 93432 | CRESTON | $2,862.60 | Farmers | $3,526.64 | Allstate | $3,487.46 | Progressive | $2,239.41 | USAA | $2,324.62 |
| 93433 | GROVER BEACH | $2,834.19 | Nationwide | $3,752.44 | Allstate | $3,468.52 | Liberty Mutual | $2,282.99 | Progressive | $2,297.06 |
| 93436 | LOMPOC | $2,843.64 | Nationwide | $3,536.94 | Allstate | $3,462.90 | Geico | $2,325.67 | USAA | $2,371.77 |
| 93437 | LOMPOC | $2,804.27 | Nationwide | $3,512.04 | Allstate | $3,460.07 | Progressive | $2,098.30 | USAA | $2,428.11 |
| 93441 | LOS OLIVOS | $2,840.56 | Nationwide | $3,594.51 | Allstate | $3,442.05 | Progressive | $2,327.04 | USAA | $2,426.99 |
| 93442 | MORRO BAY | $2,807.97 | Allstate | $3,396.50 | Nationwide | $3,358.53 | Progressive | $2,126.82 | Liberty Mutual | $2,400.87 |
| 93444 | NIPOMO | $2,843.90 | Nationwide | $3,495.01 | Farmers | $3,445.56 | USAA | $2,299.41 | Liberty Mutual | $2,337.28 |
| 93449 | PISMO BEACH | $2,829.93 | Nationwide | $3,707.40 | Allstate | $3,450.72 | Liberty Mutual | $2,283.28 | USAA | $2,449.96 |
| 93452 | SAN SIMEON | $2,858.30 | Nationwide | $3,497.26 | Allstate | $3,487.46 | Progressive | $2,305.34 | USAA | $2,330.63 |
| 93455 | SANTA MARIA | $2,877.52 | Nationwide | $3,554.69 | Allstate | $3,453.85 | Geico | $2,325.67 | USAA | $2,363.73 |
| 93463 | SOLVANG | $2,861.18 | Allstate | $3,888.44 | Nationwide | $3,531.47 | Progressive | $2,112.72 | USAA | $2,362.05 |
| 93514 | BISHOP | $2,837.87 | Allstate | $3,721.11 | Farmers | $3,446.65 | Progressive | $1,942.71 | Geico | $2,292.34 |
| 96027 | ETNA | $2,882.83 | Farmers | $4,075.76 | Nationwide | $3,501.68 | Progressive | $2,071.13 | USAA | $2,309.58 |
| 96032 | FORT JONES | $2,885.83 | Farmers | $4,329.09 | Nationwide | $3,547.47 | Progressive | $2,122.70 | USAA | $2,266.86 |
| 96064 | MONTAGUE | $2,840.77 | Farmers | $4,019.73 | Nationwide | $3,532.73 | Progressive | $1,971.09 | Geico | $2,250.66 |
| 96067 | MOUNT SHASTA | $2,777.89 | Farmers | $4,029.52 | Nationwide | $3,347.10 | Progressive | $1,989.83 | Geico | $2,080.16 |
| 96094 | WEED | $2,752.73 | Farmers | $4,037.15 | Nationwide | $3,166.19 | Progressive | $2,000.62 | Geico | $2,061.72 |
| 96097 | YREKA | $2,843.29 | Farmers | $4,020.91 | Nationwide | $3,291.50 | Geico | $2,197.64 | Progressive | $2,200.87 |
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What are California insurance rates by city?
Wondering what the most expensive city for car insurance is?
| 10 Most Expensive Cities in California | Annual Average by City | Most Expensive Company | Most Expensive Annual Rate | 2nd Most Expensive Company | 2nd Most Expensive Annual Rate | Cheapest Company | Cheapest Annual Rate | 2nd Cheapest Company | 2nd Cheapest Annual Rate |
|---|---|---|---|---|---|---|---|---|---|
| Beverly Hills | $6,188.41 | Nationwide | $8,410.69 | Allstate | $8,190.66 | USAA | $4,394.36 | Liberty Mutual | $4,464.49 |
| Encino | $5,744.64 | Nationwide | $8,168.10 | Farmers | $7,766.47 | USAA | $3,757.52 | Geico | $3,997.59 |
| North Hollywood | $5,769.35 | Allstate | $7,921.82 | Farmers | $7,855.52 | USAA | $3,629.33 | Geico | $4,203.12 |
| Panorama City | $5,701.66 | Farmers | $7,975.17 | Nationwide | $7,804.98 | USAA | $3,411.65 | Progressive | $4,107.44 |
| Reseda | $5,593.76 | Farmers | $7,828.71 | Allstate | $7,329.09 | USAA | $3,593.77 | Progressive | $4,014.63 |
| Sherman Oaks | $5,562.19 | Allstate | $7,945.09 | Farmers | $7,897.13 | USAA | $3,463.15 | Geico | $4,052.60 |
| Studio City | $5,649.18 | Allstate | $8,225.60 | Farmers | $7,795.23 | USAA | $3,438.90 | Liberty Mutual | $4,095.81 |
| Tarzana | $5,798.47 | Farmers | $7,945.28 | Nationwide | $7,943.26 | USAA | $3,843.04 | Liberty Mutual | $4,034.36 |
| Valley Village | $5,718.12 | Allstate | $8,335.75 | Farmers | $7,716.75 | USAA | $3,752.84 | Progressive | $4,038.01 |
| Van Nuys | $5,897.85 | Nationwide | $8,039.20 | Farmers | $7,861.74 | USAA | $3,761.84 | Progressive | $4,503.60 |
One of the most famous cities in California, Beverly Hills is also the most expensive city for car insurance. Now let’s see which cities offer cheap auto insurance in California.
| 10 Least Expensive Cities in California | Annual Average by City | Most Expensive Company | Most Expensive Annual Rate | 2nd Most Expensive Company | 2nd Most Expensive Annual Rate | Cheapest Company | Cheapest Annual Rate | 2nd Cheapest Company | 2nd Cheapest Annual Rate |
|---|---|---|---|---|---|---|---|---|---|
| Arroyo Grande | $2,824.43 | Nationwide | $3,543.40 | Farmers | $3,404.34 | Progressive | $1,980.83 | Liberty Mutual | $2,298.66 |
| Buellton | $2,807.43 | Allstate | $3,442.05 | Nationwide | $3,437.39 | Progressive | $2,244.68 | USAA | $2,289.13 |
| Cambria | $2,774.88 | Nationwide | $3,395.32 | Allstate | $3,380.26 | Progressive | $2,234.71 | Geico | $2,242.78 |
| Los Osos | $2,821.16 | Nationwide | $3,411.51 | Allstate | $3,392.02 | Liberty Mutual | $2,324.69 | Progressive | $2,336.39 |
| Los Ranchos | $2,731.32 | Allstate | $3,488.65 | Nationwide | $3,336.13 | Progressive | $2,177.96 | Liberty Mutual | $2,285.77 |
| Morro Bay | $2,807.96 | Allstate | $3,396.50 | Nationwide | $3,358.53 | Progressive | $2,126.82 | Liberty Mutual | $2,400.87 |
| Mount Shasta | $2,777.89 | Farmers | $4,029.52 | Nationwide | $3,347.10 | Progressive | $1,989.83 | Geico | $2,080.16 |
| Pismo Beach | $2,829.93 | Nationwide | $3,707.40 | Allstate | $3,450.72 | Liberty Mutual | $2,283.28 | USAA | $2,449.96 |
| Vandenberg AFB | $2,804.27 | Nationwide | $3,512.04 | Allstate | $3,460.07 | Progressive | $2,098.30 | USAA | $2,428.11 |
| Weed | $2,752.73 | Farmers | $4,037.15 | Nationwide | $3,166.19 | Progressive | $2,000.62 | Geico | $2,061.72 |
What are the best California car insurance companies?
Choosing the correct auto insurance coverage for your budget is an important decision. That decision can become even more difficult to make when you try to compare and contrast the hundreds of different companies vying for your business.
How can you possibly do enough research on each one to feel good about your choice? Well, this is how we do it.
We have combed through all the data and have extrapolated the information that is most helpful to you in making your choice of the best car insurance company for you.
You should seriously take into account the public reputation and perception of any company from which you’re considering purchasing auto insurance.
An insurer’s public reputation can be a clear indication of the kind of rates it offers to its consumers. We’ll show how the largest companies rate in the areas of financial stability and customer satisfaction.
What are the financial ratings of insurance companies in California?
AM Best is a credit rating agency. It evaluates insurance companies and grades them based on their financial stability. The table below shows the ten largest insurance companies in California as measured by direct premiums written with their AM Best rating.
| Company | Direct Premiums Written | AM Best Rating |
|---|---|---|
| Allstate Insurance Group | $2,446,564 | A+ |
| Auto Club Enterprises Insurance Group | $2,312,230 | A- |
| CSAA Insurance Group | $1,950,257 | A |
| Farmers Insurance Group | $3,158,814 | A |
| Geico | $2,502,854 | A++ |
| Liberty Mutual Group | $929,058 | A |
| Mercury Gen Group | $2,095,531 | A+ |
| Progressive Group | $1,147,186 | A+ |
| State Farm Group | $3,910,351 | A++ |
| USAA Group | $1,218,792 | A++ |
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What are the customer satisfaction ratings in California?
Based on 2018 data from J.D. Power and Associate, Ameriprise had the best customer satisfaction rating in California, followed by Wawanesa, Auto Club of Southern Californian, The Hartford, and 21st Century.
The three insurance companies that rated the lowest were Farmers, Mercury, and Kemper.
Which companies in California have the most and least complaints?
In the ever-growing world of materialism and consumerism, brand loyalty and customer satisfaction long-term can be hard to come by. It takes effort, clear communication, courteous customer service, and consistent delivery of quality service and goods to achieve high customer retention and satisfaction.
If a company cuts corners and leaves the consumer dissatisfied more often than not, that company runs the risk of its customer base moving on to a competitor.
When the consumer is left with a bad taste in his or her mouth from an unpleasant experience with an insurer, he or she can file a complaint. Those complaints, justified or not, are factored into a company’s complaint ratios.
The complaint ratio is how many complaints a company receives per one million dollars of business written.
What are the largest car insurance companies in California?
This table gives a representation of the car insurance companies with the largest market share in California.
| Provider | Premiums Written | Market Share |
|---|---|---|
| State Farm | $3,910,351 | 14.34% |
| Farmers Insurance | $3,158,814 | 11.59% |
| Berkshire Hathaway | $2,502,854 | 9.18% |
| Allstate Insurance | $2,446,564 | 8.97% |
| Auto Club Enterprises | $2,312,230 | 8.48% |
| Mercury General | $2,095,531 | 7.69% |
| CSAA Insurance | $1,950,257 | 7.15% |
| United Services | $1,218,792 | 4.47% |
| Progressive | $1,147,186 | 4.21 % |
| Liberty Mutual | $929,058 | 3.41 % |
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What are the complaint ratios for California’s 10 largest auto insurers?
| Number of Justified Customer Complaints | 2015 | 2016 | 2017 | Total |
|---|---|---|---|---|
| Access Insurance | 88 | 263 | 460 | 811 |
| Alliance United | 123 | 156 | 87 | 366 |
| Allstate Insurance | 38 | 50 | 61 | 149 |
| CSAA Insurance | 63 | 55 | 64 | 182 |
| Geico General | 92 | 44 | 32 | 168 |
| Infinity Insurance | 86 | 76 | 46 | 208 |
| Interinsurance Exchange | 37 | 43 | 42 | 122 |
| Mercury General | 44 | 42 | 38 | 124 |
| State Farm | 204 | 119 | 77 | 400 |
There are just under 770 auto insurance companies registered in the state of California. Of the 770, 99 of them are homegrown; while 671 are transplants.
What are the California car insurance rates by company?
Now, we’re going to compare and contrast the top car insurance companies to see which of them give the best rates on average in California.
California rates by carrier and commute
| Company | 10-mile Commute/6,000 Annual Mileage | 25-Mile Commute/12,000 annual mileage |
|---|---|---|
| Allstate | $4,086.25 | $4,979.93 |
| Farmers | $4,535.69 | $5,198.37 |
| Geico | $2,621.93 | $3,150.55 |
| Liberty Mutual | $2,786.10 | $3,284.23 |
| Nationwide | $4,108.79 | $5,198.37 |
| Progressive | $2,587.19 | $3,115.09 |
| State Farm | $4,049.89 | $4,355.54 |
| Travelers | $3,014.07 | $3,687.49 |
| USAA | $2,482.96 | $2,906.28 |
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California rates by major insurance carriers and coverage level
| Company | High Coverage (Annual) | Medium Coverage (Annual) | Low Coverage (Annual) |
|---|---|---|---|
| Allstate | $4,739.46 | $4,572.72 | $4,287.09 |
| Farmers | $5,307.39 | $5,038.58 | $4,651.83 |
| Geico | $3,127.30 | $2,918.49 | $2,612.92 |
| Liberty Mutual | $3,219.54 | $3,061.95 | $2,824.01 |
| Nationwide | $5,046.66 | $4,734.55 | $4,179.52 |
| Progressive | $3,061.73 | $2,936.65 | $2,555.04 |
| State Farm | $4,541.30 | $4,273.41 | $3,793.44 |
| Travelers | $3,687.46 | $3,440.36 | $2,924.52 |
| USAA | $2,892.32 | $2,746.50 | $2,445.05 |
California rates by carrier and driving record
Accumulating points on your license will have a negative impact on your car insurance rates. How severely depends on the company. Each company uses its own underwriting metrics when assessing risk. Here is a quick look at how top car insurance companies in California price various driving infractions:
| Company | Clean Record | With 1 Speeding Violation | With 1 Accident | With 1 DUI |
|---|---|---|---|---|
| Allstate | $2,728.84 | $3,582.21 | $4,597.86 | $7,223.45 |
| Farmers | $3,697.25 | $4,998.06 | $5,033.47 | $6,268.29 |
| Geico | $2,018.18 | $2,503.62 | $3,114.92 | $3,908.23 |
| Liberty Mutual | $2,634.50 | $2,791.65 | $3,529.11 | $3,185.41 |
| Nationwide | $3,246.63 | $4,162.31 | $4,162.31 | $7,043.06 |
| Progressive | $1,865.51 | $2,687.54 | $3,171.49 | $3,680.03 |
| State Farm | $2,998.34 | $3,480.06 | $3,576.40 | $6,756.08 |
| Travelers | $2,234.04 | $3,290.14 | $3,644.10 | $4,234.85 |
| USAA | $1,790.02 | $1,960.95 | $2,664.41 | $4,363.10 |
California rates by carrier and demographic
A single 25-year-old male will pay $2,523.86 on average with USAA, compared to the $4,428.83 a 17-year-old single male would pay with the same company.
| Company | Demographic | Average Annual Rate |
|---|---|---|
| Farmers Ins Exchange | Single 17-year old male | $14,189.14 |
| Allstate Northbrook Indemnity | Single 17-year old male | $10,188.73 |
| AMCO Insurance | Single 17-year old male | $9,186.72 |
| Farmers Ins Exchange | Single 17-year old female | $8,667.08 |
| AMCO Insurance | Single 17-year old female | $8,318.27 |
| Allstate Northbrook Indemnity | Single 17-year old female | $8,098.88 |
| State Farm Mutual Auto | Single 17-year old male | $7,555.39 |
| State Farm Mutual Auto | Single 17-year old female | $6,089.50 |
| Travelers Commercial Ins Co. | Single 17-year old male | $5,906.73 |
| United Financial Casualty | Single 17-year old male | $5,748.65 |
| Geico General | Single 17-year old male | $5,529.48 |
| Geico General | Single 17-year old female | $5,433.56 |
| SAFECO Ins Co of America | Single 17-year old male | $5,348.46 |
| Travelers Commercial Ins Co. | Single 17-year old female | $5,165.60 |
| SAFECO Ins Co of America | Single 17-year old female | $5,014.43 |
| United Financial Casualty | Single 17-year old female | $4,767.78 |
| USAA CIC | Single 17-year old male | $4,428.83 |
| USAA CIC | Single 17-year old female | $4,404.58 |
| Allstate Northbrook Indemnity | Single 25-year old male | $4,115.50 |
| AMCO Insurance | Single 25-year old female | $3,904.76 |
| AMCO Insurance | Single 25-year old male | $3,858.43 |
| State Farm Mutual Auto | Single 25-year old male | $3,777.69 |
| Allstate Northbrook Indemnity | Single 25-year old female | $3,742.44 |
| State Farm Mutual Auto | Single 25-year old female | $3,663.92 |
| Farmers Ins Exchange | Single 25-year old male | $3,585.17 |
| State Farm Mutual Auto | Married 35-year old female | $3,310.18 |
| State Farm Mutual Auto | Married 35-year old male | $3,310.18 |
| AMCO Insurance | Married 35-year old female | $3,272.83 |
| Travelers Commercial Ins Co. | Single 25-year old female | $3,249.64 |
| Farmers Ins Exchange | Single 25-year old female | $3,218.46 |
| Travelers Commercial Ins Co. | Single 25-year old male | $3,179.78 |
| AMCO Insurance | Married 35-year old male | $3,124.42 |
| State Farm Mutual Auto | Married 60-year old female | $2,957.44 |
| State Farm Mutual Auto | Married 60-year old male | $2,957.44 |
| Allstate Northbrook Indemnity | Married 35-year old male | $2,923.87 |
| Allstate Northbrook Indemnity | Married 35-year old female | $2,921.24 |
| AMCO Insurance | Married 60-year old female | $2,863.68 |
| United Financial Casualty | Single 25-year old male | $2,771.33 |
| Farmers Ins Exchange | Married 35-year old female | $2,715.31 |
| Farmers Ins Exchange | Married 35-year old male | $2,715.31 |
| AMCO Insurance | Married 60-year old male | $2,699.52 |
| USAA CIC | Single 25-year old female | $2,670.51 |
| Geico General | Single 25-year old male | $2,624.98 |
| SAFECO Ins Co of America | Single 25-year old male | $2,620.60 |
| SAFECO Ins Co of America | Single 25-year old female | $2,593.72 |
| United Financial Casualty | Single 25-year old female | $2,576.92 |
| Geico General | Single 25-year old female | $2,566.22 |
| USAA CIC | Single 25-year old male | $2,523.86 |
| Travelers Commercial Ins Co. | Married 35-year old female | $2,497.45 |
| Farmers Ins Exchange | Married 60-year old female | $2,451.83 |
| Farmers Ins Exchange | Married 60-year old male | $2,451.83 |
| Travelers Commercial Ins Co. | Married 35-year old male | $2,417.86 |
| SAFECO Ins Co of America | Married 35-year old female | $2,303.99 |
| Travelers Commercial Ins Co. | Married 60-year old female | $2,206.26 |
| Travelers Commercial Ins Co. | Married 60-year old male | $2,182.92 |
| SAFECO Ins Co of America | Married 35-year old male | $2,177.93 |
| Allstate Northbrook Indemnity | Married 60-year old male | $2,148.03 |
| SAFECO Ins Co of America | Married 60-year old female | $2,145.20 |
| Allstate Northbrook Indemnity | Married 60-year old female | $2,126.03 |
Note: Focus on the company that best suits your specific circumstance.
The only way to ensure that you’re getting the best quotes for your specific circumstance is to compare rates from multiple carriers.
Another way to keep your rates low is to be a good driver. Being a good driver entails knowing the rules of the road and adhering to them. We’ll review the traffic laws in California so that you can keep a 24-karat driving record.
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What are California laws?
Memorizing every traffic statute in California would be virtually impossible and not an effective use of your time or brain capacity. We’ll help you to sift through the most relevant rules and regulations for most California motorists.
What are the car insurance laws?
State insurance commissioners have ample authority over the auto insurance industry in their respective commonwealths. Each state determines the type of tort law and threshold (if any) that applies in the state, the type and amount of liability insurance required, and the system used for approval of insurer rates and forms.
Insurance companies in California are subject to the regulations set by that state insurance commissioner. Ultimately, all rates and regulations must meet the fair competition standards set by the National Association of Insurance Commissioners (NAIC).
How to get high-risk insurance in California
The SR-22 form must be filed by drivers who have committed violations or have multiple infractions, as well as uninsured drivers and others. If your license has been revoked or suspended, you may need to file an SR-22 to have it reinstated.
SR-22 car insurance may be required after committing the following infractions in California:
- A DUI or wet-reckless suspension/revocation
- Being involved in an accident when you were uninsured
- Having your driving privileges suspended/revoked by DMV because it declared you a negligent operator (you may be declared a negligent operator if you obtain too many points on your driving record within a specific timeframe)
Traffic violations in California are broken down into one-point violations and two-point violations. Here is a list of some common infractions that can earn you points in the state of California:
- DUI/alcoholic beverage or any drug: 2 points
- Speed contest/aiding or abetting: 2 points
- Reckless driving/injury: 2 points
- Driving while suspended or revoked: 2 points
- Speed/too fast or over the speed limit: 1 point
- Disobedience to law enforcement officer: 1 point
- Following too close: 1 point
- Erratic driving/suddenly changing speeds: 1 point
Racking up too many points on your driving record will cause your premiums to skyrocket.
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How to get windshield coverage in California?
California has no specific laws requiring insurance companies to offer special glass coverage or no-deductible windshield replacement. Your insurance company may require you to use a specific repair shop in order to receive coverage. As a consumer, you have the right to choose a repair vendor but you may be required to pay the difference in the quote.
Aftermarket parts are allowed to be used by insurance companies with written notice to the consumer and at least equal in terms of fit, quality, performance, and warranty as the OEM.
For a detailed summary of windshield and glass coverage in California, click here.
Is there a car insurance fraud in California?
Insurance fraud is the second-largest economic crime in America. Premium rates are raised dramatically by insurance companies and passed on to the consumers in attempts to combat fraud.
There are two classifications of fraud: hard and soft.
- Hard Fraud – A purposefully fabricated claim or accident
- Soft Fraud – A misrepresentation of information to the insurance company
Soft fraud is more common than hard fraud. Twenty to 40 percent of consumers admitted to lying to their insurer about one of the following:
- Number of annual miles driven
- Number of drivers in the household
- How the vehicle would be used
Insurance fraud is a crime no matter how you slice it. Even the “little, white lie” you tell to get a lower rate can lead to harmful consequences. That kind of willful misrepresentation of facts is called known as “rate evasion” and it is a $16 billion annual expense to auto insurers.
If you suspect insurance fraud or have been the victim of fraud, you can contact the California Department of Insurance to report such activity.
What’s the statute of limitations in California?
California’s statute of limitations for filing a claim is two years for personal injury and three years for property damage.
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What are the vehicle licensing laws in California?
California’s DMV has an online portal where residents can perform tasks such as renewing their registrations and drivers’ licenses, updating or changing their address, and retrieving their driving history. Vehicle registration and insurance information can be easily accessed through the state database.
What are the teen driver laws in California?
The State of California DMV wants to ensure that all teenage drivers are equipped with all the tools and resources to be safe and knowledgeable behind the wheel.
Here are California’s requirements for obtaining a drivers license.
| Requirements: Getting a Driver's License in CA | Requirement |
|---|---|
| Mandatory holding period | 6 months |
| Minimum supervised driving time | 50 hours; 10 at night |
| Minimum age | 16 years old |
There are also some additional restrictions for teen drivers in California.
| Restrictions: Intermediate License in CA | Restrictions |
|---|---|
| Driving | Prohibited from 11 p.m. to 5 a.m. |
| Passengers | Under 20 years old - prohibited (unless immediate family) |
What are the cell phone use laws in California?
California does not take cellphone use behind the wheel lightly. It was one of the first six states in America to adopt a comprehensive texting ban.
| Age | Laws on Cellphones while Driving in CA |
|---|---|
| All drivers Primary Enforcement | Handheld use banned |
| Drivers under 18 - secondary enforcement | All use banned |
| All drivers - primary enforcement | Texting banned |
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What’s the license renewal procedure for older drivers in California?
- Elderly drivers in California must get their licenses renewed every five years just like every other driver in the general population.
- Senior drivers must show proof of adequate vision at every renewal once they reach age 70; while the general population must only do so when renewing in person.
- Senior drivers 70 and older are not permitted to renew online or by mail; while the general population is only permitted to do so for two consecutive renewals.
What’s the licensing procedure for new residents in California?
All new residents and first-time drivers license applicants must visit a DMV office in person and present proof of California residency. New residents must register any out-of-state vehicles within 20 days of establishing residency.
Do you need California Real ID?
California is currently under review for federal REAL ID compliance. You may visit the California DMV to apply for a federal compliant REAL ID card or a federal non-compliant one. As of October 1, 2020, anyone wishing to board an airplane or enter a federal facility must have a REAL ID-compliant form of identification.
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What are the rules of the road in California?
Let’s take a look at some of California’s traffic laws.
Keep right and move over laws
California law requires that you keep right if driving slower than the average speed of traffic around you.
California released an updated memo to its “Move Over” law on July 11, 2011. The California DMV, the California Highway Patrol, and the California Department of Transportation (Caltrans) teamed up to form the legislation and launch a statewide media campaign that implores motorists to move over when safe to do so or slow down when they see amber flashing lights on Caltrans vehicles.
“This traffic safety campaign isn’t about writing citations, it’s about providing a safer work environment for everyone who does business along the side of a highway,” said CHP Commissioner Joe Farrow. “The only way to prevent tragedies from occurring on the side of the road is by giving emergency personnel, highway workers, and the public adequate space.”
Speed limits in California
| Type of Roadway | Speed Limit |
|---|---|
| Rural interstates | 70 mph |
| Rural interstates (Trucks) | 55 mph |
| Urban interstates | 65 mph |
| Urban interstates (Trucks) | 55 mph |
| Other limited access roads | 70 mph |
| Other roads | 65 mph |
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Seat belt laws in California
| Safety Belt Laws in California | Facts |
|---|---|
| Effective date | January 1, 1986 |
| Primary enforcement | Yes |
| Age/seats applicable | 16+ years old in all seats |
| First offense fine | $20 plus fees |
Car seat laws in California
| Child Seat Laws in California | Facts |
|---|---|
| Car seat required | Children 7 years old and under |
| Rear-facing seat required | Children who are: - under 2 years old - under 40 lbs - under 40" tall |
| Forward-facing seat allowed | Children who are: - 2 to 7 years old - 40" to 57" tall |
| Booster seat allowed | Children over 40 lbs. |
| Adult seat belt allowed | Children who are: - 8 to 15 years old - at least 57" tall |
| Rear seats required | Children who are: - 7 years and under - under 57" tall |
| First offense fine | $100 plus fees |
Which companies provide ridesharing protection in California?
The following companies offer ridesharing protection in California:
- Allstate
- Farmers
- Liberty Mutual
- Mercury
- Metlife
- Metromile
- State Farm
- USAA
The California government recently passed a new bill (AB 5) that will classify the majority of rideshare drivers as employees rather than contractors. This isn’t exactly great news, as it means rideshare driving will turn into more of a job than a way to earn extra cash.
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Is there automation on the roads in California?
| Autonomous Vehicle Laws in California | Facts |
|---|---|
| Driving allowed | Full deployment |
| Operator license required | Not addressed |
| Operator required to be in the vehicle | No |
| Liability insurance required | $5 million |
What are the safety laws in California?
Promoting safety and preventing chaos are the ultimate goals of any traffic laws. The California Department of Transportation (Caltrans) has developed the Highway Safety Improvement Program to provide tips, facts, and interactive maps and guides of which all drivers are encouraged to take advantage.
In accordance with the National Highway Traffic Safety Administration (NHTSA), California released its most recent Strategic Highway Safety Plan as an additional resource for drivers.
What are the DUI laws in California?
| DUI Laws in California | Facts |
|---|---|
| Name of offense | Driving under the influence (DUI) |
| BAC Limit | .08 |
| High BAC limit | .15 to .20+ |
| Criminal status | Non-injury DUI = misdemeanor Fourth+ DUI = felony |
| Look-back period | 10 years |
The Blood-Alcohol Content (BAC) limit in California is 0.08 percent; the High BAC limit is between 0.15 to 0.20 percent.
The DUI penalties in the state of California are listed as follows:
DUI 1st offense:
| Penalty | Term |
|---|---|
| License revoked | 4 to 10 months |
| Jail time | 96 hours to 6 months |
| Fine | $390 to $3,600 |
| Vehicle impounded | Up to 6 months |
| DUI program | 3 months of alcohol & drug education |
| Community service | Determined in court |
| Mandatory ignition interlock device | Yes - in 4 counties |
| Required to get license reinstated | $125 fee SR-22 insurance counseling |
| Probation | 3 to 5 years |
DUI 2nd offense:
| Penalty | Term |
|---|---|
| License revoked | 2+ years |
| Jail time | up to 1 year |
| Fine | up to $4,000 |
| Vehicle impounded | up to 1 year |
| DUI program | 12 hour alcohol & drug education 1.5 year Multi-Offender Program |
| Community service | Determined in court |
| Mandatory ignition interlock device | Yes - can't drive anywhere without it |
| Required to get license reinstated | $125 fee SR-22 insurance 52 hours counseling 6 hours re-entry monitoring 12 month bi-weekly interviews |
| Probation | 3 to 5 years |
DUI 3rd offense:
| Penalty | Term |
|---|---|
| License revoked | 3+ years |
| Jail time | Up to 16 months |
| Fine | Up to $18,000 |
| Vehicle impounded | Up to 1 year |
| DUI program | 12-hour alcohol & drug education 2.5 year multi-offender program |
| Community service | Up to 300 hours |
| Mandatory ignition interlock device | Yes - can't drive anywhere without it |
| Required to get license reinstated | $125 fee SR-22 insurance Regular interviews & monitoring 78 hrs Counseling Habitual Offender Status |
| Probation | 3 to 5 years |
DUI 4th offense:
| Penalty | Term |
|---|---|
| License revoked | 4+ years Possibly permanent |
| Jail time | Up to 16 months in state prison |
| Fine | Up to $18,000 |
| Vehicle impounded | Up to 1 year |
| DUI program | 12-hour alcohol & drug education 2.5 year multi-offender program |
| Community service | Up to 300 hours |
| Mandatory ignition interlock device | Yes - can't drive anywhere without it |
| Required to get license reinstated | $125 fee SR-22 insurance Regular interviews & monitoring 78 hrs Counseling Habitual Offender Status |
| Probation | 3 to 5 years |
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What are the drug-impaired driving laws?
At present, California has no marijuana-impaired specific laws.
What are some California can’t-miss facts?
Eureka! We’ve discovered some more fun facts about California
Is there a vehicle theft in California?
Whether it happens to your little deuce coupe (or your 409) or your little red corvette, being the victim of car theft is no laughing matter. The chart below reveals which cars in California are most susceptible to such larceny.
| Make & Model: | Vehicle Year: | Total Thefts: |
|---|---|---|
| Acura Integra | 1994 | 4,273 |
| Chevrolet Pickup | 2006 | 6,048 |
| Ford Pickup | 2006 | 4,504 |
| Honda Accord | 1996 | 28,345 |
| Honda Civic | 1998 | 28,045 |
| Honda CR-V | 1999 | 2,033 |
| Nissan Altima | 1997 | 2,281 |
| Nissan Sentra | 1997 | 2,555 |
| Toyota Camry | 1991 | 5,345 |
| Toyota Corolla | 2014 | 3,339 |
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Is there a vehicle theft by city in California?
The table below gives a breakdown of the top cities for auto theft within the state.
| 10 Cities in California with the Most Vehicle Theft | Number of Stolen Vehicles: |
|---|---|
| Long Beach | 2,355 |
| San Bernardino | 2,691 |
| Sacramento | 2,861 |
| Bakersfield | 2,937 |
| Fresno | 4,057 |
| San Francisco | 5,866 |
| San Diego | 6,143 |
| Oakland | 6,833 |
| San Jose | 7,926 |
| Los Angeles | 14,382 |
What’s considered a risky and harmful behavior?
For your information, we’ve compiled a list of all driving-related fatalities in California.
Fatality by county (speeding and drunk driving)
| 10 Counties in California with the Most Speeding Deaths | 2013 | 2014 | 2015 | 2016 | 2017 |
|---|---|---|---|---|---|
| Alameda | 33 | 24 | 27 | 25 | 32 |
| Fresno | 26 | 24 | 22 | 44 | 51 |
| Kern | 32 | 27 | 40 | 49 | 45 |
| Los Angeles | 245 | 240 | 231 | 308 | 214 |
| Orange | 62 | 56 | 51 | 53 | 60 |
| Riverside | 66 | 93 | 87 | 95 | 84 |
| Sacramento | 40 | 35 | 42 | 56 | 53 |
| San Bernardino | 92 | 90 | 82 | 72 | 88 |
| San Diego | 67 | 71 | 75 | 76 | 78 |
| San Joaquin | 36 | 26 | 34 | 36 | 35 |
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Fatality rates rural vs. urban
| Roadway Type | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Rural | 226 | 227 | 200 | 211 | 209 | 232 | 223 | 262 | 301 | N/A |
| Urban | 79 | 66 | 59 | 61 | 66 | 69 | 69 | 70 | 78 | N/A |
Fatalities by person type
| California traffic deaths by person type | 2013 | 2014 | 2015 | 2016 | 2017 |
|---|---|---|---|---|---|
| Motorcyclists | 463 | 522 | 494 | 576 | 529 |
| Pedestrians | 734 | 709 | 819 | 933 | 858 |
| Bicyclists | 147 | 129 | 136 | 155 | 124 |
| Passenger car occupants | 1,098 | 1,066 | 1,170 | 1,357 | 1,269 |
| Pickup truck occupants | 239 | 209 | 294 | 278 | 279 |
| Utility truck occupants | 241 | 271 | 288 | 307 | 336 |
| Van occupants | 67 | 79 | 88 | 88 | 84 |
| Large truck occupants | 38 | 33 | 32 | 48 | 53 |
| Bus occupants | 11 | 17 | 1 | 20 | 3 |
| State Total | 3,107 | 3,102 | 3,387 | 3,837 | 3,602 |
EMS response time
| EMS Response Time in California | Time |
|---|---|
| Time of crash to EMS notification | 5 minutes 5 seconds |
| Notification to EMS arrival | 4 minutes 7 seconds |
| EMS arrival to hospital arrival | 21 minutes 24 seconds |
| Time of crash to hospital arrival | 35 minutes |
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What’s transportation in California like?
So, how bad is the commute look for the drivers of California? In a word: Very. How does rush-hour traffic compare to the rest of the nation? Depending on your proximity to a SoCal metropolis or NorCal metropolis, the answer will differ only by degree. Both ends of the state are notorious for congestion.
What’s the percentage of car ownership in California?
Two-vehicle households are the largest group of car owners in California making up nearly 40 percent of the population. Three-vehicle and one-vehicle homes are the next largest groups at roughly 20 percent and 19 percent respectively.
What’s the average commute time in California?
At 27.7 minutes, drivers in California surpass the national average of 25.3 minutes of commute time. A whopping 4.06 percent of drivers in California experience a “super commute” of 90 minutes or more.
These cities in California are the worst culprits for traffic:
| 5 Cities in California with the Most Traffic Congestion | Annual Hours Stuck in Traffic: | Portion of Commute Stuck in Traffic: |
|---|---|---|
| Los Angeles | 102 | 12% |
| Sacramento | 25 | 7% |
| San Diego | 48 | 10% |
| San Francisco | 79 | 12% |
| Santa Cruz | 37 | 14% |
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What’s the preferred commuter transportation in California?
Commuters in California prefer to go solo with more than 70 percent driving to work alone. About 10 percent of commuters carpool and about half that many take public transportation.
Now you have all the information you need about California driving laws and insurance requirements. Make sure to put all that wealth of knowledge to good use by getting yourself the best insurance quotes possible.
Get rate quotes from multiple carriers so that saving money on your car insurance premiums won’t have to be California Dreaming; it can be a reality!
Frequently Asked Questions
What is California’s minimum coverage?
California requires drivers to have minimum liability insurance coverage of 15/30/5.
Are there additional coverage options?
While not required, it’s recommended to consider adding Medical Payments Coverage and Uninsured/Underinsured Motorist coverage to your policy.
How much do drivers in California spend on car insurance?
The average cost varies depending on factors such as age, gender, and location. Rates can range from $2,523.86 for a single 25-year-old male to $4,428.83 for a 17-year-old single male.
What affects car insurance premiums?
Factors such as driving record, demographics, and coverage level can impact your insurance rates.
What are the car insurance laws in California?
California has specific laws regarding auto insurance. It’s important to be familiar with these rules to maintain a good driving record, but memorizing all the statutes is not necessary.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
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