Car Insurance in California
No matter if you need high quality or low cost car insurance, California has many options for various types of drivers.
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Best car insurance in California
Geico is the best car insurance company in California, according to Jerry’s editorial analysis.
5.0
Jerry’s Score
Our Take
Geico offers plenty of discounts and is an exceptional option for Californians seeking a stable insurer. It may also be a great option for “high-risk” drivers struggling to find coverage.
Why it’s the best: Geico is Jerry’s top-rated California insurer due to its 5 star Jerry rating, superior financial strength and few customer complaints. Californians can customize policies with rental car reimbursement, roadside assistance and mechanical breakdown coverage. The company also offers discounts, including savings for good drivers and full-time students.
For the full list of top-rated insurers, read our analysis of the best car insurance in California.
Cheapest car insurance in California
Safeco is the cheapest car insurance company in California, with an average cost of $67 per month, according to Jerry’s data analysis.
Below are the cheapest auto companies in California. For more cheap options, read our data analysis of the cheapest car insurance in California.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $67 |
| Aspire Advantage | $129 |
| First Acceptance | $144 |
| National General | $171 |
| Anchor General | $189 |
Last Updated Jul 8, 2025
California insurance coverage
Car insurance costs in California can often times be higher than average. This is due to a variety of factors including new/higher minimum requirements, high traffic volume, inflation and on-going weather related events. Be sure you’re shopping for car insurance and getting quotes from multiple insurance companies at coverage levels you need to ensure you’re getting a good deal. California law mandates drivers carry certain levels of minimum car insurance protection. Those include:
- $30,000 per person for bodily injury liability.
- $60,000 for bodily injury per accident for multiple persons injured.
- $15,000 for property damage liability per accident.
Car insurance by city in California July 2025
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Cheap Car Insurance in Los Angeles
Los Angeles drivers navigate notoriously congested highways, so robust car insurance is a must-have. It's wise to compare multiple quotes in search of the best rate.
Cheap Car Insurance in San Francisco
San Francisco's unique infrastructure and earthquake risks make reliable car insurance a must-have, but you don't need to break the bank to find solid coverage.
Cheap Car Insurance in Sacramento
The hazardous weather that can visit Sacramento residents is reason enough to find reliable car insurance, and you may not have to pay a high rate for solid coverage.
Cheap Car Insurance in San Diego
Accidents can happen even on the sunny streets of San Diego, making a robust car insurance policy a necessity for locals.
Cheap Car Insurance in San Jose, California
San Jose drivers are subject to hazardous conditions that may cause rates to be higher there than in other parts of the country, but they can still find affordable car insurance that meets their needs.
Cheap Car Insurance in Long Beach
Calling yourself a local in a beachfront city like Long Beach is a dream for some, but the lack of parking and frequent tourism can make driving there difficult. It's worth your time to compare car insurance quotes from multiple insurers to find a robust, yet affordable, policy.
Cheap Car Insurance in Fresno
Drivers in Fresno may as much for car insurance as Californians in more urban areas, but it's important to comparison shop to ensure you get the best rate.
Cheap Car Insurance in Bakersfield, CA
Bakersfield drivers may pay lower premiums than their neighbors in urban areas to the north and south, but it's still wise to cost compare between insurers to find the best rate.
Check out recent quotes Jerry customers have gotten for car insurance in California.
|
Date of Policy
|
Insurance Company
|
Monthly Quote
|
|---|---|---|
| July 1, 2025 | ROOT | $219 |
| July 1, 2025 | Progressive | $205 |
| July 1, 2025 | Mercury | $758 |
| July 1, 2025 | National General | $195 |
| July 1, 2025 | National General | $241 |
Last Updated Jul 2, 2025
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State of California resources
