California Auto Insurance

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Apr 27, 2020

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California State FlagAs the most populous state in the nation, California is one that is packed with drivers. As anyone who has driven the state can tell you, the highway network is fantastic – that is, until you’re stuck in traffic. And with all of these drivers, of course, comes the cohort of automobile insurance companies that are looking to sell a wide range of policies to cover virtually any kind of incident that may occur while on the road. Let’s take a look at the Golden State and everything one might need to know about California auto insurance.

california auto insurance

California Auto Insurance Laws

In California, the state liability coverage minimums are:
  • Bodily Injury Coverage – $15,000 per person
  • Bodily Injury Coverage – $30,000 per accident
  • Property Damage Coverage – $5,000 per accident

Take a look at how California’s minimum rates compare with surrounding states.

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Optional coverage options in California:
  • Comprehensive Coverage
  • Collision Coverage
  • Medical and Funeral Services Coverage
  • Uninsured/Underinsured Motorists Coverage
  • Roadside Assistance (Towing and Labor Coverage)
  • Rental Car Coverage

California’s state auto insurance laws are very reasonable when it comes to insurance minimums and coverage requirements. As of 2011, every vehicle must have at least $15,000 in liability coverage for death or injury of any one individual in any one accident, $30,000 in liability insurance coverage to cover all persons in any one accident, and $5,000 in property damage coverage for any one accident. The upside of these low amounts is that they make auto insurance coverage quite affordable for most people; the downside is that in today’s world of high medical costs and high property values, an at-fault accident with these tiny coverage amounts would likely cost the driver significant amounts of money. Most California drivers opt for much higher coverage amounts for both collision and comprehensive auto insurance coverage.

The State of California has also developed a program to help low-income drivers that have an excellent driving record, which they’ve dubbed the “Low Cost Automobile Insurance Program”, or “CLCA”. The State put this program in place as auto insurance is legally required, but there were many low-income drivers who were driving uninsured as they couldn’t afford to pay insurance premiums. This policy provides the basic legal liability for coverage (as stated above), with additional add-ons such as medical payments coverage, and uninsured motorist bodily injury policies. To qualify for this program, state residents must be at least 19, qualify as a “good driver” under the state’s guidelines, meet low-income requirements, and own a vehicle that has a value of less than $20,000. It’s just one of the ways that California works to improve auto insurance accessibility for everyone.

California’s auto insurance rates are average in comparison to the other states in the nation.

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Let’s take a closer look at the ZIP codes within the state to see how rates changed based on different areas.

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There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

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While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

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Enter your zip code below to view companies that have cheap auto insurance rates.

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California Auto Insurance Rates by Company

Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

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But which companies are the largest, holding the most market share percentage in the region?

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Automobile Accidents In California

When it comes to automobile accidents, drivers in California can rejoice at the news – car accidents and fatalities have been trending downward over the past number of years, reflecting an increase in the care that drivers are taking while behind the wheel. The most recent data available, from 2008, shows that California car accidents that resulted in fatalities have decreased by nearly fourteen percent, which brings them to the lowest level since the Department of Transportation started recording crash and fatality statistics in the 1970s. The actual numbers show a drop of over 500 fatalities, from 3975 to 3435 between 2007 and 2008 and puts California in the lead among states with a decrease of fatal car accidents. The State of California claims that the two enforcement programs that worked to bring this number down are “DUI” laws, and seat-belt regulations. California has done such excellent work in these areas that the Insurance Institute for Highway Safety (IIHS) recently awarded California with the highest ranking of all states for laws pertaining to these and other areas.

Car Theft Statistics In California

The news, however, is not so good when it comes to auto theft statistics. While there was an overall decline of 12.7 percent in 2008 compared to 2007, California led all states in the number of auto thefts – besting Texas by more than double. Almost 200,000 vehicles were stolen in California in 2008, with six of the top ten highest theft metropolitan areas found in the Golden State. Modesto, California led the nation with a theft rate of 829 vehicles per 100,000 citizens, and San Diego, Bakersfield, Stockton, the San Francisco-Bay Area and Fresno were also in the top 10. All of these metropolitan areas recorded auto theft rates that were more than double the national average of 314 thefts per 100,000 citizens. With this in mind, California residents are advised to use both audible car alarms and immobilizers such as kill-switches or fuel cut-offs. Most insurance companies will provide a discount to customers that make use of anti-theft devices, so it’s worth looking in to.

There are hundreds – if not thousands – of auto insurance companies available to service California drivers with insurance policies that meet their needs. Take the time to research different companies and coverage levels so when it comes time to sit down with an auto insurance agent, you’re fully prepared and ready to negotiate the best deal.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Auto Insurance Info For Different Cities In California

Additional California Auto Insurance Resources

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(855) 898-5028
State Minimum Auto Insurance Rates Nationwide
Average Monthly Auto Insurance Rates by State
Monthly California Auto Insurance Rates by ZIP Code
Factors Affecting Auto Insurance Rates in California
Average Monthly Auto Insurance Rates by Age & Gender in California
California Auto Insurance Rates by Company vs. State Average
California Auto Insurers by Market Share %
State Minimum Auto Insurance Rates Nationwide
Average Monthly Auto Insurance Rates by State
Monthly California Auto Insurance Rates by ZIP Code
Factors Affecting Auto Insurance Rates in California
Average Monthly Auto Insurance Rates by Age & Gender in California
California Auto Insurance Rates by Company vs. State Average
California Auto Insurers by Market Share %