Best Car Insurance in California: Top Companies in 2024

Geico, Progressive, USAA and State Farm offer the best car insurance in California based on our in-depth industry review.

Cheapest Car Insurance in San Jose, California (2024)

The most affordable car insurance in San Jose, California, starts at $27 per month from Geico, though drivers can also find cheap rates from USAA and AAA.

Best Cheap Car Insurance in California for 2024 | U.S. News

Shopping for auto insurance in California? Keep reading to learn about how much car insurance you'll need and ways to find the cheapest car insurance in this state.

Cheapest Car Insurance in California: Coverage Costs (2024)

Geico offers the cheapest car insurance in California, with average estimated rates of $484 per year or $40 per month for minimum liability coverage

Cheap Car Insurance in Santa Ana, California (2024)

The cheapest car insurance in Santa Ana, California, starts as low as $29 per month from Geico, USAA also offers cheap rates in Santa Ana for good drivers.

Auto Insurance Requirements

Requested by law enforcement. You are renewing the vehicle registration. The vehicle is involved in a traffic collision.

Minimum Car Insurance Coverage Requirements in Each State

State, Bodily injury liability and property damage liability, UM/UIM, PIP and MedPay ; Alabama, 25/50/25, None ; Alaska, 50/100/25, None ; Arizona, 25/50/15, None ; Arkansas, 25/50/25, None ; California, 15/30/5, None ; Colorado, 25/50/15, None ; Connecticut, 25/50/25, 25/50 UM/UIM ; Delaware, 25/50/10, 15/30 PIP ; Florida, $10,000 PDL *, $10,000 PIP ; Georgia, 25/50/25, None ; Hawaii, 20/40/10, $10,000 PIP ; Idaho, 25/50/15, None ; Illinois, 25/50/20, 25/50 UM ; Indiana, 25/50/25, 25/50 UM; 50 UIM ; Iowa, 20/40/15, None ; Kansas, 25/50/25, 25/50 UM/UIM $4,500 PIP ; Kentucky, 25/50/25, None ; Louisiana, 15/30/25, None ; Maine, 50/100/25, 50/100 UM/UIM $2,000 MedPay ; Maryland, 30/60/15, 30/60/15 UM ; Massachusetts, 20/40/5, 20/40 UM $8,000 PIP ; Michigan, 50/100/10, Six PIP options: minimum $50,000 for insureds on Medicaid ; Minnesota, 30/60/10, 25/50 UM/UIM $40,000 PIP ; Mississippi, 25/50/25, None ; Missouri, 25/50/25, 25/50 UM/UIM ; Montana, 25/50/20, None ; Nebraska, 25/50/25, 25/50 UM/UIM ; Nevada, 25/50/20, None ; New Hampshire**, 25/50/25, 25/50 UM $1,000 MedPay ; New Jersey, 25/50/25***, 25/50 UM/UIM $15,000 PIP ; New Mexico, 25/50/10, None ; New York, 25/50/10, 25/50 UM $50,000 PIP ; North Carolina, 30/60/25, 30/60/25 UM 30/60 UIM ; North Dakota, 25/50/25, 25/50 UM/UIM $30,000 PIP ; Ohio, 25/50/25, None ; Oklahoma, 25/50/25, None ; Oregon, 25/50/20, 25/50 UM/UIM $15,000 PIP ; Pennsylvania, 15/30/5, $5,000 PIP ; Rhode Island, 25/50/25, None ; South Carolina, 25/50/25, 25/50/25 UM ; South Dakota, 25/50/25, 25/50 UM/UIM ; Tennessee, 25/50/25, None ; Texas, 30/60/25, None ; Utah, 25/65/15, $3,000 PIP ; Vermont, 25/50/10, 50/100/10 UM ; Virginia***, 30/60/20, None ; Washington, 25/50/10, None ; Washington, D.C., 25/50/10, 25/50/5 UM ; West Virginia, 25/50/25, 25/50/25 UM ; Wisconsin, 25/50/10, 25/50 UM ; Wyoming, 25/50/20, None

Cheapest Car Insurance in California (Oct 2024) - 4.7/5 rating.

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in California.

Average Cost of Car Insurance in California for 2024

Bankrate analyzed the data to find the average cost of car insurance in California.

What’s happening with California’s car insurance rates?

California hasn’t approved a car insurance rate increase in more than two years. Learn more about why — and how insurers are responding.