Cheap car insurance in California in 2023

To be able to drive your car on the roads of California, and the rest of the United States, you need to have insurance that covers at least the minimum required by law.

If you want to buy insurance for your car and get the best price, here are the cheapest car insurances in California, both for the minimum coverage and for the policy with the highest protection.

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The cheapest car insurances in California

Knowing that your intention is to find a cheap car insurance, we advise you to go for the minimum coverage required by law, in order to find the lowest prices in each company.

In addition, you should consider that the price of your policy depends on multiple factors, not only on the coverage offered, but also on your credit score, your driving record, your age, the age of the vehicle, etc.

We have selected several insurance companies according to the price of their most basic insurance, although they also offer more extensive coverage at a good price.

Geico Auto Insurance

With Geico you can get a policy for your car for less than $400 a year. This is the lowest price you can find in the state of California today for auto insurance.

This insurance company has a complete customer service, online and by phone, and has a wide network of agents that will assist you with any procedure.

Within Geico's car insurance, in addition to the most basic policy, we can find other options with very competitive prices:

AAA Car Insurance

The American Automobile Association is a conglomerate of regional automobile clubs across the United States that also offers cheap auto insurance in some states, with discounts for its members.

Their prices vary widely from region to region, and in many cases they act simply as intermediaries, marketing insurance from other insurers.

This association, also known as Triple A, offers a minimum price in California of $456 for the minimum coverage, as long as you also meet the other requirements to get the lower price, such as having an impeccable driving record.

Here are other AAA car insurance prices for different cases:

Progressive Car Insurance

Although this company offers coverage for home and medical insurance, its main business is in auto and motorcycle insurance.

Progressive is an insurance company that offers good prices for its comprehensive insurance and for younger drivers. The most basic car insurance offered can be purchased from as low as $468 per year in the state of California.

You may be interested in: Progressive's customer service phone number

Here you have other indicative prices for other coverages, so you can compare with other insurers to find the cheapest insurance for you:

Mercury Auto Insurance

This car and home insurance company offers attractive offers in the states where it offers its services, such as California, where it has the best offer for drivers who have had an accident.

With Mercury you can benefit from discounts on your policy if you meet conditions such as the following:

• Being a good driver and not having accidents or fines for a certain period of time.
• By direct debiting the payment automatically to your bank account.
• Installing anti-theft systems in your vehicle.
• Signing the insurance contract with a digital signature.

Here you have a table with the minimum prices for different Mercury car insurances:

State Farm auto insurance

The largest insurer in the United States offers a wide variety of insurance of all kinds, for home, for all types of vehicles, health, life and much more.

It has a presence in all states of the union and has a network of agents who work exclusively for State Farm and that you can easily find thanks to the locator on its website.

In addition, it offers a complete customer service so that you can contact them from anywhere and be attended immediately. State Farm car insurance so offer good prices, the cheapest being the basic coverage. Consult other indicative prices in this table: 

Minimum coverage for car insurance in California

If you purchase auto insurance in this western region of the United States, you must have at least the following features covered by law:

• Liability of a minimum of $15,000 per person and $30,000 per accident.
• Property damage for a minimum of $5,000.

These are the minimum coverages that your insurance must have in order to be legal and to be able to drive your car in the state of California, being able to get the lowest prices.

However, if you have the possibility of paying a little more, it is advisable to increase the coverage, since in case of any incident, what the insurance does not cover, you will have to pay out of your pocket.

California's Low Cost Auto Insurance Program

In the state of California, drivers who meet certain low-income requirements are eligible for discounts on auto insurance for basic mandatory coverage.

In addition, it now also allows drivers with less than 3 years of driving experience to participate in this program, which until a while ago they could not access.

Visit the California Department of Insurance website if you need more information about the Low Cost Auto Insurance Program.

Español: Aseguranzas de carro baratas en California