California Car Insurance

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Key takeaways...
  • California’s big cities like San Diego, Los Angeles and San Francisco are quite congested when it comes to traffic and this poses a greater liability to insurance companies
  • The good news is due to the competitive marketplace most consumers still find affordable car insurance with a little bit of work
  • Make sure to compare multiple policies to get the best rate for the coverage you need

California is home to the world 5th largest economy and has counted almost every Hollywood celebrity as a resident at on time or another. Even the Governor Arnold Schwarzenegger is one of the world most famous actors.

California is also home to many of the worlds most expensive auto collections including Jay Leno’s impressive collection of over 100 cars estimated to be valued well over $10 million.

US Census records showed almost 37 million people in 2009 as residents of California and almost as many vehicles making California quite likely the most competitive state for car insurance rates.

However even with the amount of competition in California’s car insurance market drivers often end up paying higher rates than most areas due to a number of factors. Use our FREE quote tool to compare auto insurance rates today!

Why are California car insurance rates high?

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California’s big cities like San Diego, Los Angeles, and San Francisco are quite congested when it comes to traffic and this poses a greater liability to CA car insurance companies for a number of reasons such as:

  • Higher risk to drivers for being involved in an accident
  • High percentage of drivers who have no insurance
  • Higher than average auto-theft rates

Unlike residing somewhere in Montana owning a vehicle in California simply poses more liability risk to a car insurance company and thus your premiums will reflect this added liability.

The good news is due to the competitive marketplace most consumers still find affordable car insurance with a little bit of work.

What are the minimum California car insurance requirements?

California’s minimum car insurance requirements can be a bit complex to understand however for most drivers the state requires you to have:

  • $15,000 liability coverage per person for injury
  • $30,000 liability coverage per accident for injury
  • and $5,000 for property damage liability

These limits are ridiculously low and you should always consider more coverage than California’s state minimums as these limits will barely cover the cost a fender bender.

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Why are these car insurance minimum requirements so low?

No good explanation can be found except some car insurance lobbyist surely did a wonderful job.

Even a simple car accident can cause on overnight hospital visit which could reach $10 or $20,000 easily.

As a responsible driver, you need to always consider more coverage than just California state minimums.

How do I get more car insurance coverage?

Expanding your auto insurance coverage limits is rather easy and inexpensive. Many consumers usually get at least $100,000 in coverage for all the categories above without much of an increase in their car insurance rates.

What is very disturbing is that car leasing companies require customers to get upwards of $300,000 in coverage to protect their liability while the CA Government thinks $15,000 is enough. Go figure.

California Car Insurance Tips
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When searching for a CA car insurance company always remember to use these tips:

  • Only use reputable and licensed CA Car Insurance Companies
  • Compare California auto insurance policies by coverage and not just premiums
  • Learn about car insurance discounts for California drivers and always ask any potential CA car insurance company about what other discounts are available
  • Compare at least 3-5 quotes before making a final decision

How to find cheap California car insurance?

Cheap is a word we like to reserve for flea markets as choosing a car insurance company should always be decided using more factors than just what the monthly premium costs are.

If you live in California and need car insurance you must shop around and compare car insurance companies

Who provides California car insurance?

Hundreds of CA car insurance companies are licensed to provide auto insurance coverage including many of the larger names such as Allstate, GEICO, and State Farm but in such a competitive market you also have many companies unique to California who know the insurance market intimately.

Get a California Car Insurance Quote

Ready to start your search for car insurance? Simply enter your ZIP code to start with free California car insurance quotes today!

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