Key Takeaways: The Cheapest Car Insurance in California
- National General has the overall cheapest car insurance in California across a variety of driving records, based on the companies in our analysis.
- Progressive has the overall cheapest car insurance in California for good drivers, based on the companies in our analysis.
The Cheapest Car Insurance Companies in California for Good Drivers
| Cheapest for... | Company | Average monthly cost in California | Learn more |
|---|---|---|---|
| 20-year-olds | Wawanesa | $250 | Via Forbes Advisor's Partner |
| 30-year-olds | $159 | Via Forbes Advisor's Partner | |
| 40-year-olds | Progressive | $152 | Via Forbes Advisor's Partner |
| 50-year-olds | Progressive | $142 | Via Forbes Advisor's Partner |
| 60-year-olds | Progressive | $142 | Via Forbes Advisor's Partner |
| 70-year-olds | Wawanesa | $174 | Via Forbes Advisor's Partner |
| 80-year-olds | Progressive | $183 | Via Forbes Advisor's Partner |
Cheap Car Insurance for 20-Year-Olds in California
Young drivers in California can face steep insurance costs, especially if you’re not on a parent’s auto insurance policy. In California, these companies had the cheapest car insurance according to our evaluation.
Cheapest Full Coverage Car Insurance for 20-Year-Olds in California
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
- Wawanesa: $250 a month
- National General: $298 a month
- State Farm: $308 a month
- Allstate: $337 a month
- Travelers: $346 a month
Cheapest Minimum Coverage for 20-Year-Olds in California
If you’re looking for only the minimum auto insurance in California, check rates from these companies.
- CSAA: $75 a month
- State Farm: $78 a month
- Wawanesa: $86 a month
- Mercury: $87 a month
- Geico: $92 a month
Cheapest Auto Insurance for 20-Year-Olds in California With Poor Credit
Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.
- Wawanesa: $250 a month
- National General: $298 a month
- State Farm: $308 a month
- Allstate: $337 a month
- Travelers: $346 a month
Cheapest Auto Insurance for 20-Year-Olds in California With a Speeding Ticket
Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in California for drivers with a speeding ticket.
- National General: $312 a month
- Geico: $414 a month
- Wawanesa: $426 a month
- Allstate: $445 a month
- Mercury: $459 a month
Cheapest Car Insurance in California for 20-Year-Olds With an At-Fault Accident
Below are the cheapest companies we found for California drivers who caused an accident that injured someone else.
- National General: $440 a month
- Wawanesa: $459 a month
- Progressive: $503 a month
- Mercury: $510 a month
- Travelers: $580 a month
Cheapest Auto Insurance for 20-Year-Olds in California After a DUI
Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in California who have a DUI conviction.
- National General: $312 a month
- Wawanesa: $517 a month
- Mercury: $574 a month
- Geico: $668 a month
- Travelers: $724 a month
Cheap Car Insurance for 30-Year-Olds in California
Drivers age 30 in California can find very high insurance rates depending on their driving record. Here’s a look at the best companies for a variety of common driving records.
Cheapest Full Coverage Car Insurance for 30-Year-Olds in California
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
- Progressive: $159 a month
- Mercury: $188 a month
- Wawanesa: $196 a month
- National General: $205 a month
- Geico: $212 a month
Cheapest Minimum Coverage for 30-Year-Olds in California
If you’re looking for only the minimum auto insurance in California, check quotes from these companies.
- CSAA: $41 a month
- Progressive: $43 a month
- Mercury: $45 a month
- Geico: $47 a month
- State Farm: $54 a month
Cheapest Auto Insurance for 30-Year-Olds in California With Poor Credit
Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.
- Progressive: $159 a month
- Mercury: $188 a month
- Wawanesa: $196 a month
- National General: $205 a month
- Geico: $212 a month
Cheapest Auto Insurance for 30-Year-Olds in California With a Speeding Ticket
Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in California for drivers with a speeding ticket.
- National General: $215 a month
- Progressive: $245 a month
- Mercury: $267 a month
- Geico: $331 a month
- Wawanesa: $333 a month
Cheapest Car Insurance in California for 30-Year-Olds With an At-Fault Accident
Below are the cheapest options we found for California drivers who caused an accident that injured someone else.
- Progressive: $264 a month
- Mercury: $296 a month
- National General: $303 a month
- Wawanesa: $359 a month
- Travelers: $406 a month
Cheapest Auto Insurance for 30-Year-Olds in California After a DUI
Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in California who have a DUI conviction.
- National General: $215 a month
- Mercury: $334 a month
- Progressive: $386 a month
- Wawanesa: $405 a month
- Infinity: $487 a month
Cheap Car Insurance for 40-Year-Olds in California
California drivers age 40 can typically save significant money by comparing costs from multiple insurers. We looked at which insurers offer the best quotes in California, depending on your driving record.
Cheapest Full Coverage Car Insurance for 40-Year-Olds in California
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
- Progressive: $152 a month
- Mercury: $178 a month
- National General: $181 a month
- Wawanesa: $187 a month
- Geico: $206 a month
Cheapest Minimum Coverage for 40-Year-Olds in California
If you’re looking for only the minimum auto insurance in California, check rates from these companies.
- Progressive: $42 a month
- CSAA: $43 a month
- Mercury: $44 a month
- Geico: $46 a month
- State Farm: $52 a month
Cheapest Auto Insurance for 40-Year-Olds in California With Poor Credit
Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.
- Progressive: $152 a month
- Mercury: $178 a month
- National General: $181 a month
- Wawanesa: $187 a month
- Geico: $206 a month
Cheapest Auto Insurance for 40-Year-Olds in California With a Speeding Ticket
Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in California for drivers with a speeding ticket.
- National General: $205 a month
- Progressive: $235 a month
- Mercury: $254 a month
- Wawanesa: $318 a month
- Travelers: $319 a month
Cheapest Car Insurance in California for 40-Year-Olds With an At-Fault Accident
Below are the cheapest options we found for California drivers who caused an accident that injured someone else.
- Progressive: $253 a month
- Mercury: $281 a month
- National General: $289 a month
- Wawanesa: $342 a month
- Travelers: $383 a month
Cheapest Auto Insurance for 40-Year-Olds in California After a DUI
Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in California who have a DUI conviction.
- National General: $205 a month
- Mercury: $317 a month
- Progressive: $369 a month
- Wawanesa: $386 a month
- Infinity: $470 a month
Cheap Car Insurance for 50-Year-Olds in California
California drivers in their 50s are enjoying the lowest rates they’ll get based on age. But an imperfect driving record can make cheap car insurance harder to find.
Cheapest Full Coverage Car Insurance for 50-Year-Olds in California
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
- Progressive: $142 a month
- Mercury: $167 a month
- Wawanesa: $182 a month
- National General: $182 a month
- Nationwide: $195 a month
Cheapest Minimum Coverage for 50-Year-Olds in California
If you’re looking for only the required auto insurance in California, check rates from these companies.
- Progressive: $40 a month
- CSAA: $40 a month
- Mercury: $43 a month
- Geico: $45 a month
- State Farm: $50 a month
Cheapest Auto Insurance for 50-Year-Olds in California With Poor Credit
Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.
- Progressive: $142 a month
- Mercury: $167 a month
- Wawanesa: $182 a month
- National General: $182 a month
- Nationwide: $195 a month
Cheapest Auto Insurance for 50-Year-Olds in California With a Speeding Ticket
Expect a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in California for drivers with a speeding ticket.
- National General: $206 a month
- Progressive: $219 a month
- Mercury: $237 a month
- Allstate: $302 a month
- Travelers: $307 a month
Cheapest Car Insurance in California for 50-Year-Olds With an At-Fault Accident
Below are the cheapest options we found for California drivers who caused an accident that injured someone else.
- Progressive: $236 a month
- Mercury: $263 a month
- National General: $290 a month
- Wawanesa: $332 a month
- Travelers: $369 a month
Cheapest Auto Insurance for 50-Year-Olds in California After a DUI
Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in California who have a DUI conviction.
- National General: $206 a month
- Mercury: $296 a month
- Progressive: $344 a month
- Wawanesa: $375 a month
- Infinity: $437 a month
Cheap Car Insurance for 60-Year-Olds in California
Auto insurance quotes often begin to increase around age 65, even if you have a good driving record. We found the cheapest companies for California drivers at age 60.
Cheapest Full Coverage Car Insurance for 60-Year-Olds in California
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
- Progressive: $142 a month
- Mercury: $164 a month
- Wawanesa: $172 a month
- National General: $176 a month
- Nationwide: $187 a month
Cheapest Minimum Coverage for 60-Year-Olds in California
If you’re looking for only the required auto insurance in California, check rates from these companies.
- Progressive: $40 a month
- CSAA: $41 a month
- Mercury: $45 a month
- Geico: $45 a month
- State Farm: $46 a month
Cheapest Auto Insurance for 60-Year-Olds in California With Poor Credit
Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.
- Progressive: $142 a month
- Mercury: $164 a month
- Wawanesa: $172 a month
- National General: $176 a month
- Nationwide: $187 a month
Cheapest Auto Insurance for 60-Year-Olds in California With a Speeding Ticket
Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in California for drivers with a speeding ticket.
- National General: $199 a month
- Progressive: $220 a month
- Mercury: $234 a month
- Auto Club: $286 a month
- Allstate: $291 a month
Cheapest Car Insurance in California for 60-Year-Olds With an At-Fault Accident
Below are the cheapest options we found for California drivers who caused an accident that injured someone else.
- Progressive: $237 a month
- Mercury: $260 a month
- National General: $280 a month
- Wawanesa: $316 a month
- Travelers: $352 a month
Cheapest Auto Insurance for 60-Year-Olds in California After a DUI
Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in California who have a DUI conviction.
- National General: $199 a month
- Mercury: $292 a month
- Progressive: $346 a month
- Wawanesa: $356 a month
- Travelers: $435 a month
Cheap Car Insurance for 70-Year-Olds in California
California drivers age 70 are looking at higher rates due to age. But relatively cheap car insurance can still be found by comparing rates from a few companies.
Cheapest Full Coverage Car Insurance for 70-Year-Olds in California
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
- Wawanesa: $174 a month
- State Farm: $179 a month
- Mercury:$181 a month
- Progressive: $182 a month
- National General: $194 a month
Cheapest Minimum Coverage for 70-Year-Olds in California
If you’re looking for only the minimum auto insurance in California, check rates from these companies.
- State Farm: $42 a month
- Geico: $48 a month
- Mercury: $48 a month
- CSAA: $52 a month
- Progressive: $53 a month
Cheapest Auto Insurance for 70-Year-Olds in California With Poor Credit
Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.
- Wawanesa: $174 a month
- State Farm: $179 a month
- Mercury: $181 a month
- Progressive: $182 a month
- National General: $194 a month
Cheapest Auto Insurance for 70-Year-Olds in California With a Speeding Ticket
Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in California for drivers with a speeding ticket.
- National General: $219 a month
- Mercury: $256 a month
- State Farm: $271 a month
- Progressive: $282 a month
- Wawanesa: $296 a month
Cheapest Car Insurance in California for 70-Year-Olds With an At-Fault Accident
Below are the cheapest options we found for California drivers who caused an accident that injured someone else.
- Mercury: $286 a month
- Progressive: $305 a month
- National General: $309 a month
- Wawanesa: $319 a month
- State Farm: $349 a month
Cheapest Auto Insurance for 70-Year-Olds in California After a DUI
Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in California who have a DUI conviction.
- National General: $219 a month
- Mercury: $321 a month
- Wawanesa: $360 a month
- Progressive: $444 a month
- Travelers: $481 a month
Cheapest Car Insurance In Los Angeles, California
| Cheapest for . . . | Company | Average monthly cost in Los Angeles | Learn more |
|---|---|---|---|
| Good drivers | National General | $196 | Via Forbes Advisor's Partner |
| Drivers with a speeding ticket | National General | $205 | Via Forbes Advisor's Partner |
| Drivers who caused an accident with injury | National General | $289 | Via Forbes Advisor's Partner |
| Drivers with a DUI | National General | $205 | Via Forbes Advisor's Partner |
| Driver with poor credit | National General | $196 | Via Forbes Advisor's Partner |
Cheapest Car Insurance In San Diego, California
| Cheapest for . . . | Company | Average monthly cost in San Diego | Learn more |
|---|---|---|---|
| Good drivers | National General | $149 | Via Forbes Advisor's Partner |
| Drivers with a speeding ticket | National General | $156 | Via Forbes Advisor's Partner |
| Drivers who caused an accident with injury | National General | $219 | Via Forbes Advisor's Partner |
| Drivers with a DUI | National General | $156 | Via Forbes Advisor's Partner |
| Driver with poor credit | National General | $149 | Via Forbes Advisor's Partner |
Cheapest Car Insurance In San Francisco, California
| Cheapest for . . . | Company | Average monthly cost in San Francisco | Learn more |
|---|---|---|---|
| Good drivers | $175 | Via Forbes Advisor's Partner | |
| Drivers with a speeding ticket | Progressive | $271 | Via Forbes Advisor's Partner |
| Drivers who caused an accident with injury | Progressive | $291 | Via Forbes Advisor's Partner |
| Drivers with a DUI | National General | $317 | Via Forbes Advisor's Partner |
| Driver with poor credit | Progressive | $175 | Via Forbes Advisor's Partner |
How to Find Cheap Car Insurance in California
Finding cheap car insurance in California involves using some basic strategies. A good car insurance policy should combine a good rate and the coverage features you need.
Check Rates from Several Car Insurance Companies
A good way to find cheap car insurance in California is to compare insurance quotes from multiple companies. If you don’t have a range of quotes to consider, you won’t know if you’re getting a good deal. Even if your driving record isn’t perfect, shopping around can reveal significant rate differences among insurers.
Featured Car Insurance Partners
1
Geico
Good
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Low
2
USAA
Excellent
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OK
3
State Farm
Very good
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Low
Consider Switching Companies If Your Driving Record Changes
In some cases switching car insurance companies can yield a much lower car insurance rate. This is especially true when your driving record has changed. A company that has cheap California car insurance for good drivers may not be cost-competitive for drivers with tickets or accidents on their records.
Regularly Review Your Car Insurance Coverage
As your life changes, so do your insurance needs. Take a look at your California auto insurance policy to make sure your current coverage aligns with your needs. Review your coverage types, the limits for each coverage type and your deductible amounts. Trim unnecessary extras, such as roadside assistance, to get cheaper car insurance.
Rethink Your Deductible
You may be able to find savings if you have collision and comprehensive insurance. By increasing your auto insurance deductible you can reduce your premium. Simply contact your insurance agent to ask how much you can save at higher deductible amounts.
Look Into Car Insurance Discounts
Reviewing possible car insurance discounts with your insurance company could result in some savings. While many discounts are applied to your policy automatically, it can be wise to ask about additional possible savings that your insurer may not know you qualify for. For example, if you are driving fewer annual miles because you work from home or are retired, you may be eligible for a better car insurance rate.
Take Advantage of Bundling
The savings from bundling car insurance with other policies from the same insurance company is often significant. You can typically bundle California auto with homeowners insurance, condo or renters insurance. Our analysis found that the price break for bundling averages 14%.
Optimize Your Insurance Payment Strategy
Your car insurance payment approach can lead to further discounts. These discounts are generally small, but they are easy to get. Paying your entire car insurance premium upfront typically gets you a price cut, for example. If you’re paying monthly, your insurer may offer a discount for electronic payment transfers.
No matter how you pay, going paperless could be an additional discount.
Cheap Car Insurance Companies 2025
With so many choices for car insurance companies, it can be hard to know where to start to find the right car insurance. We've evaluated insurers to find the cheapest car insurance companies, so you don't have to.
Find The Cheapest Car Insurance In California
Via Forbes Advisor's Partner
