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Best car insurance companies in California

Best Car Insurance Companies in California

 

Discover the top-rated insurers for California drivers

California drivers pay an average car insurance premium of $2,633 per year for full coverage and $645 for minimum coverage. Our insurance editorial team identified Geico, State Farm, Progressive, and Mercury among the best car insurance companies in California.

Choosing the Best Auto Insurer

Explore coverage options, discounts, and digital tools

We analyzed average annual quoted premiums, coverage options, discounts, and customer satisfaction scores from the 2023 J.D. Power U.S. Auto Insurance Study. We ensured that the providers chosen are still writing new auto policies despite California’s insurance market instability in 2023.

Top-Rated Insurers in California

  • Progressive: $2,199 full coverage premium, $544 minimum coverage premium
  • Geico: $2,206 full coverage premium, $430 minimum coverage premium
  • State Farm: $2,931 full coverage premium, $594 minimum coverage premium
  • Mercury: $2,050 full coverage premium, $527 minimum coverage premium

Why These Insurers Made Our List

Progressive: Offers potential discounts and robust digital tools, including the Name Your Price tool.

Geico: Provides low average premiums and numerous discounts, though it lacks local agencies in California.

State Farm: Offers a variety of discounts and a highly rated mobile app, along with telematics programs for young drivers.

Mercury: Offers rideshare insurance and a user-friendly claims process, with some of the lowest average rates in California.

How we Chose the Best Insurers

We analyzed average rate data, third-party financial strength ratings, customer satisfaction scores, coverage options, discounts, and digital tools to assign each carrier a we Score out of 5 points.

How to Find the Best Car Insurance in California

Consider factors beyond price, such as coverage options and customer service.

California’s Department of Insurance has begun reviewing and approving auto insurance rate filings, allowing providers to adjust rates to continue offering coverage. It's essential to stay informed about industry changes and consider your individual needs when selecting an auto insure.

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