Cheapest Car Insurance in California (Compare Rates For 2022)


Cheapest Car Insurance in California.

It’s not always easy choosing the right car insurance on a budget. This is why we decided to compare and analyze the cheapest car insurance in California.

We will be going over every type of cheap car insurance. You came to the right place whether you’re looking for full coverage, minimum coverage, or auto insurance after a speeding ticket.

You will also find information on car insurance prices for California drivers with a DUI, an accident, or poor credit.

On top of that, we also compared the cheapest auto insurance options for 20, 22, 25, 28, 30, and 65+ years old.

Table of Contents

Overview of the Cheapest Car Insurance in California

Graph for the cheapest car insurance in California.

For Minimum Coverage: Progressive offers cheap auto insurance for minimum coverage at $615 annually or $51.25 a month.

Cheapest Full Coverage: CSAA also offers the cheapest full coverage car insurance at $829 a year or $69.08 a month. 

For Drivers With One At-Fault Accident: CSAA is the best option for drivers with one at-fault accident. Going with CSAA will cost you $1,031 a year or $85.92 per month.

Cheapest For Drivers With a DUI: Drivers with a DUI will pay $1,687 annually or $140.58 a month with Mercury.

For Drivers With a Speeding Ticket: CSAA offers the lowest priced auto insurance at $1,031 a year or $85.92 a month.

Cheapest For Drivers With Poor Credit: If you have poor credit, CSAA is the cheapest option for auto insurance. Getting CSAA insurance will cost you $829 a year or $69.08 per month.

We removed USAA from these CA insurance choices due to USAA only being available to those currently or previously involved with the military.

Cheapest Minimum Coverage Car Insurance in California

If you want the bare minimum coverage in California, these are the lowest rates:

  1. Progressive – $615 a year or $51.25 per month (Cheapest Insurance)
  2. USAA – $617 every year or $51.42 a month
  3. CSAA – $645 a year or $53.75 per month
  4. GEICO – $666 each year or $55.5 a month
  5. Esurance – $728 a year or $60.67 per month
  6. Mercury – $754 every year or $62.83 per month
  7. MetLife – $856 each year or $71.33 a month
  8. Travelers – $861 a year or $71.75 per month
  9. State Farm – $934 a year or $77.83 per month
  10. Allstate – $969 every year or $80.75 per month
  11. Hartford – $1002 a year or $83.5 per month
  12. Allied – $1022 each year or $85.17 a month
  13. Farmers – $1086 a year or $90.5 per month (Most Expensive)
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Cheapest Full Coverage Car Insurance in California

These are the rates you can expect in California if you want to be fully covered when driving:

  1. USAA – $797 a year or $66.42 per month (Cheap Insurance For Military)
  2. CSAA – $829 every year or $69.08 a month (Cheapest Insurance If Not Military)
  3. Progressive – $858 a year or $71.5 per month
  4. Esurance – $870 each year or $72.5 a month
  5. GEICO – $918 a year or $76.5 per month
  6. Mercury – $1048 every year or $87.33 per month
  7. Allstate – $1116 each year or $93 a month
  8. MetLife – $1172 a year or $97.67 per month
  9. Travelers – $1192 a year or $99.33 per month
  10. State Farm – $1252 every year or $104.33 per month
  11. Farmers – $1273 a year or $106.08 per month
  12. Hartford – $1286 each year or $107.17 a month (Most Expensive)

Cheap Car Insurance in California For Drivers With Previous Accidents

Accidents will likely result in your monthly insurance costs increasing. Getting in an accident in CA may include; speeding tickets, at-fault accidents, or DUIs.

Cheapest California Car Insurance With a Speeding Ticket

The cheapest car insurance in CA for a driver with a speeding ticket is either USAA or CSAA.

Insurance CompanyAnnual RateMonthly Rate
USAA$874$72.83
CSAA$1,031$85.92
Esurance$1,072$89.33
AAA$1,251$104.25
Mercury$1,348$112.33
GEICO$1,371$114.25
MetLife$1,516$126.33
Allstate$1,531$127.58
Progressive$1,598$133.17
Farmers$1,736$144.67
Travelers$1,834$152.83
Allied$1,853$154.42
State Farm$1,870$155.83
Hartford$2,047$170.58

Cheap California Auto Insurance With One At-Fault Accident

CSAA and Esurance are the cheapest options when it comes to car insurance for CA drivers with one at-fault accident.

Insurance CompanyAnnual RateMonthly Rate
CSAA$1,031$85.92
Esurance$1,328$110.67
USAA$1,424$118.67
AAA$1,458$121.50
GEICO$1,627$135.58
Progressive$1,767$147.25
Allstate$1,839$153.25
Mercury$1,839$153.25
State Farm$1,943$161.92
Hartford$2,947$245.58

Cheap California Car Insurance With a DUI

Progressive and Mercury each have cheap annual rates for CA drivers with a DUI.

Insurance CompanyAnnual RateMonthly Rate
Mercury$1,687$140.58
Progressive$1,975$164.58
Esurance$2,075$172.92
Farmers$2,169$180.75
GEICO$2,192$182.67
State Farm$3,894$324.50
Hartford$4,812$401.00
MetLife$7,416$618.00

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Cheapest Auto Insurance For California Drivers With Poor Credit

If you’re located in California and have poor credit, these are your options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
USAA$797$66.42
CSAA$829$69.08
Progressive$858$71.50
Esurance$870$72.50
GEICO$918$76.50
Mercury$1,048$87.33
Allstate$1,116$93.00
MetLife$1,172$97.67
Travelers$1,192$99.33
State Farm$1,252$104.33
Farmers$1,273$106.08
Hartford$1,286$107.17

Cheapest Car Insurance For 20-Year-Old Drivers in California

Younger drivers typically have to deal with higher insurance costs. This is especially true for 20-year-olds in CA.

Cheapest Full Coverage Car Insurance For 20-Year-Old California Drivers

CSAA and USAA have the cheapest full coverage auto insurance for 20-year-olds in CA.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,675$139.58
CSAA$1,742$145.17
Progressive$1,801$150.08
Esurance$1,828$152.33
GEICO$1,927$160.58

Cheapest Minimum Coverage Car Insurance in California For 20-Year-Old Drivers

The cheapest minimum coverage auto insurance for 20-year-olds is USAA and Progressive in CA.

Insurance CompanyAnnual RateMonthly Rate
Progressive$1,291$107.58
USAA$1,296$108.00
CSAA$1,355$112.92
GEICO$1,398$116.50
Esurance$1,530$127.50

Cheap Auto Insurance For 20-Year-Old California Drivers With Poor Credit

Here are the lowest annual and monthly rates for 20-year-old CA drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,675$139.58
CSAA$1,742$145.17
Progressive$1,801$150.08
Esurance$1,828$152.33
GEICO$1,927$160.58

Cheap Car Insurance For 20-Year-Old California Drivers With a Speeding Ticket

CSAA and USAA have the least expensive car insurance for 20-year-old CA drivers with a speeding ticket.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,836$153.00
CSAA$2,166$180.50
Esurance$2,252$187.67
AAA$2,627$218.92
Mercury$2,831$235.92

Cheap Auto Insurance in California For 20-Year-Old Drivers With a DUI

Here are the cheapest car insurance prices for 20-year-olds with a DUI:

Insurance CompanyAnnual RateMonthly Rate
Mercury$3,543$295.25
Progressive$4,146$345.50
Esurance$4,358$363.17
Farmers$4,554$379.50
GEICO$4,603$383.58

Cheap Car Insurance in California For 20-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and annual costs for 20-year-old drivers in CA with one at-fault accident:

Insurance CompanyAnnual RateMonthly Rate
CSAA$2,166$180.50
Esurance$2,788$232.33
USAA$2,990$249.17
AAA$3,062$255.17
GEICO$3,416$284.67

Cheapest Car Insurance For 22-Year-Old Drivers in California

A 22-year-old CA driver usually won’t be paying as much for their auto insurance compared to 18-year-olds or 20-year-olds. However, a 22-year-old in CA also won’t have the discounted car insurance price older individuals have.

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Cheapest Full Coverage Car Insurance For 22-Year-Old California Drivers

The lowest cost full coverage auto insurance for 22-year-olds is USAA and CSAA in CA.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,228$102.33
CSAA$1,277$106.42
Progressive$1,321$110.08
Esurance$1,340$111.67
GEICO$1,413$117.75

Cheapest Minimum Coverage Car Insurance in California For 22-Year-Old Drivers

When it comes to cheap minimum coverage auto insurance in CA for 22-year-olds, the best companies to use are USAA and Progressive.

Insurance CompanyAnnual RateMonthly Rate
Progressive$947$78.92
USAA$951$79.25
CSAA$994$82.83
GEICO$1,025$85.42
Esurance$1,122$93.50

Cheap Auto Insurance For 22-Year-Old California Drivers With Poor Credit

Here are the cheapest yearly and monthly auto insurance rates for 22-year-old CA drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,228$102.33
CSAA$1,277$106.42
Progressive$1,321$110.08
Esurance$1,340$111.67
GEICO$1,413$117.75

Cheap Car Insurance For 22-Year-Old California Drivers With a Speeding Ticket

USAA and CSAA have the cheapest expensive car insurance for 22-year-old CA drivers with a speeding ticket.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,346$112.17
CSAA$1,588$132.33
Esurance$1,651$137.58
AAA$1,927$160.58
Mercury$2,076$173.00

Cheap Auto Insurance in California For 22-Year-Old Drivers With a DUI

These are the least expensive car insurance prices for 22-year-olds with a DUI:

Insurance CompanyAnnual RateMonthly Rate
Mercury$2,598$216.50
Progressive$3,041$253.42
Esurance$3,196$266.33
Farmers$3,340$278.33
GEICO$3,375$281.25

Cheap Car Insurance in California For 22-Year-Old Drivers With One At-Fault Accident

These insurance companies offer cheap annual and monthly car insurance for 22-year-olds in CA with an accident:

Insurance CompanyAnnual RateMonthly Rate
CSAA$1,588$132.33
Esurance$2,045$170.42
USAA$2,192$182.67
AAA$2,246$187.17
GEICO$2,505$208.75

Cheapest Car Insurance For 25-Year-Old Drivers in California

25 is the age where CA auto insurance premiums start to decline quicker. This means living in California, you get to save more money on car insurance.

Cheapest Full Coverage Car Insurance For 25-Year-Old California Drivers

Here are the cheapest options for full coverage auto insurance for 25-year-olds in CA:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,053$87.75
CSAA$1,095$91.25
Progressive$1,132$94.33
Esurance$1,149$95.75
GEICO$1,211$100.92

Cheapest Minimum Coverage Car Insurance in California For 25-Year-Old Drivers

Progressive and USAA have the cheapest minimum coverage auto insurance for CA 25-year-olds.

Insurance CompanyAnnual RateMonthly Rate
Progressive$811$67.58
USAA$815$67.92
CSAA$852$71.00
GEICO$879$73.25
Esurance$962$80.17

Cheap Auto Insurance For 25-Year-Old California Drivers With Poor Credit

25-year-old drivers with poor credit can use USAA or CSAA for the lowest annual and monthly rates.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,053$87.75
CSAA$1,095$91.25
Progressive$1,132$94.33
Esurance$1,149$95.75
GEICO$1,211$100.92

Cheap Car Insurance For 25-Year-Old California Drivers With a Speeding Ticket

Here are the least expensive auto insurance options for 25-year-old CA drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,154$96.17
CSAA$1,361$113.42
Esurance$1,415$117.92
AAA$1,652$137.67
Mercury$1,780$148.33

Cheap Auto Insurance in California For 25-Year-Old Drivers With a DUI

25-year-olds with a DUI have these options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
Mercury$2,227$185.58
Progressive$2,606$217.17
Esurance$2,740$228.33
Farmers$2,863$238.58
GEICO$2,893$241.08

Cheap Car Insurance in California For 25-Year-Old Drivers With One At-Fault Accident

CSAA and Esurance have the least expensive car insurance yearly and monthly costs for 25-year-old drivers in CA with one at-fault accident.

Insurance CompanyAnnual RateMonthly Rate
CSAA$1,361$113.42
Esurance$1,753$146.08
USAA$1,879$156.58
AAA$1,925$160.42
GEICO$2,148$179.00

Cheapest Car Insurance For 28-Year-Old Drivers in California

By 28 years old your monthly payments on auto insurance in CA will be a lot less compared to what they would have as an 18-year-old. The lower the monthly and annual cost, the more money you can save!

Cheapest Full Coverage Car Insurance For 28-Year-Old California Drivers

USAA and CSAA offers cheap full coverage auto insurance in CA for 28-year-olds.

Insurance CompanyAnnual RateMonthly Rate
USAA$925$77.08
CSAA$962$80.17
Progressive$995$82.92
Esurance$1,010$84.17
GEICO$1,064$88.67

Cheapest Minimum Coverage Car Insurance in California For 28-Year-Old Drivers

28-year-olds in CA looking for cheap minimum coverage auto insurance should use either Progressive or USAA.

Insurance CompanyAnnual RateMonthly Rate
Progressive$713$59.42
USAA$716$59.67
CSAA$749$62.42
GEICO$772$64.33
Esurance$845$70.42

Cheap Auto Insurance For 28-Year-Old California Drivers With Poor Credit

CSAA offer low annual and monthly rates for 28-year-old CA drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
USAA$925$77.08
CSAA$962$80.17
Progressive$995$82.92
Esurance$1,010$84.17
GEICO$1,064$88.67

Cheap Car Insurance For 28-Year-Old California Drivers With a Speeding Ticket

Here are insurance companies offering the least expensive car insurance for 28-year-old CA drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,014$84.50
CSAA$1,196$99.67
Esurance$1,244$103.67
AAA$1,451$120.92
Mercury$1,564$130.33

Cheap Auto Insurance in California For 28-Year-Old Drivers With a DUI

Mercury offer cheap and affordable car insurance prices for 28-year-olds with a DUI.

Insurance CompanyAnnual RateMonthly Rate
Mercury$1,957$163.08
Progressive$2,290$190.83
Esurance$2,408$200.67
Farmers$2,516$209.67
GEICO$2,542$211.83

Cheap Car Insurance in California For 28-Year-Old Drivers With One At-Fault Accident

28-year-old drivers in CA with one at-fault accident can use either Esurance or CSAA for cheap auto insurance.

Insurance CompanyAnnual RateMonthly Rate
CSAA$1,196$99.67
Esurance$1,540$128.33
USAA$1,651$137.58
AAA$1,692$141.00
GEICO$1,887$157.25

Cheapest Car Insurance For 30-Year-Old Drivers in California

California auto insurance prices in your 30s will be even cheaper compared to your teenage years and early to mid-20s.

Cheapest Full Coverage Car Insurance For 30-Year-Old California Drivers

Here are the cheapest car insurance options for 30-year-olds in CA that want to be fully covered:

Insurance CompanyAnnual RateMonthly Rate
USAA$797$66.42
CSAA$829$69.08
Progressive$858$71.50
Esurance$870$72.50
GEICO$918$76.50

Cheapest Minimum Coverage Car Insurance in California For 30-Year-Old Drivers

Progressive has the cheapest auto insurance rates for 30-year-olds in CA that want minimum coverage.

Insurance CompanyAnnual RateMonthly Rate
Progressive$615$51.25
USAA$617$51.42
CSAA$645$53.75
GEICO$666$55.50
Esurance$728$60.67

Cheap Auto Insurance For 30-Year-Old California Drivers With Poor Credit

USAA and CSAA have the least expensive annual and monthly rates for 30-year-old CA drivers with poor credit.

Insurance CompanyAnnual RateMonthly Rate
USAA$797$66.42
CSAA$829$69.08
Progressive$858$71.50
Esurance$870$72.50
GEICO$918$76.50

Cheap Car Insurance For 30-Year-Old California Drivers With a Speeding Ticket

Check out these CA insurance companies for cheap car insurance for 30-year-old drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
USAA$874$72.83
CSAA$1,031$85.92
Esurance$1,072$89.33
AAA$1,251$104.25
Mercury$1,348$112.33

Cheap Auto Insurance in California For 30-Year-Old Drivers With a DUI

Mercury has the cheapest auto insurance prices for CA 30-year-olds with a DUI.

Insurance CompanyAnnual RateMonthly Rate
Mercury$1,687$140.58
Progressive$1,975$164.58
Esurance$2,075$172.92
Farmers$2,169$180.75
GEICO$2,192$182.67

Cheap Car Insurance in California For 30-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and yearly costs for 30-year-old drivers in CA with one accident on record:

Insurance CompanyAnnual RateMonthly Rate
CSAA$1,031$85.92
Esurance$1,328$110.67
USAA$1,424$118.67
AAA$1,458$121.50
GEICO$1,627$135.58

Cheapest Car Insurance For California Drivers Over 65 Years Old

Auto insurance prices in CA will vary depending on what you’re looking for and what your situation is as a 65-year-old driver.

Cheapest Full Coverage Car Insurance For California Drivers Over 65 Years Old

The cheapest full coverage auto insurance for CA drivers over 65 years old is USAA and Esurance.

Insurance CompanyAnnual RateMonthly Rate
USAA$906$75.50
Esurance$971$80.92
CSAA$982$81.83
State Farm$994$82.83
GEICO$1,001$83.42

Cheapest Minimum Coverage Car Insurance in California For Drivers Over The Age of 65

Here are all your options for getting cheap car insurance with minimum coverage in CA when you’re over 65 years old:

Insurance CompanyAnnual RateMonthly Rate
USAA$697$58.08
GEICO$730$60.83
State Farm$743$61.92
Progressive$772$64.33
CSAA$772$64.33

Cheap Auto Insurance For California Drivers Over 65 Years Old With Poor Credit

If you have poor credit in CA and are over 65 years old, these are your options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
USAA$906$75.50
Esurance$971$80.92
CSAA$982$81.83
State Farm$994$82.83
GEICO$1,001$83.42

Cheap Car Insurance For California Drivers Over 65 Years Old With a Speeding Ticket

If you have a speeding ticket and are over the age of 65, here are your options in CA:

Insurance CompanyAnnual RateMonthly Rate
USAA$992$82.67
Esurance$1,206$100.50
CSAA$1,226$102.17
AAA$1,360$113.33
State Farm$1,484$123.67

Cheap Auto Insurance in California For Drivers Over The Age of 65 With a DUI

Mercury has the least expensive auto insurance for CA drivers over 65 years old with a DUI:

Insurance CompanyAnnual RateMonthly Rate
Mercury$1,912$159.33
Esurance$2,341$195.08
Farmers$2,350$195.83
GEICO$2,392$199.33
Progressive$2,553$212.75

Cheap Car Insurance in California For Drivers Over 65 Years Old With One At-Fault Accident

If you don’t want to spend a lot on auto insurance but are over the age of 65 and have an accident on record, these are your options:

Insurance CompanyAnnual RateMonthly Rate
CSAA$1,226$102.17
Esurance$1,503$125.25
State Farm$1,544$128.67
AAA$1,609$134.08
USAA$1,617$134.75

California Minimum Auto Insurance Requirements

The state of California has a list of requirements for the minimum amount of auto insurance a driver can have.

These requirements include:

  1. At a minimum; insured for $15,000 bodily injury and property damage liability per person. A total of $30,000 minimum per accident.
  2. A total of $5,000 per crash for property damage caused by the vehicle.
  3. And lastly, $15,000 minimum per person for uninsured motorist bodily injury coverage and $30,000 for each accident.

Methodology For Choosing Cheapest California Auto Insurance

We compared rates from California auto insurance companies throughout the state. The rates we used are calculated for a 35-year-old male with a good credit score (690-719).

Other stats used for the calculated rates include:

Bodily Injury Coverage: $50,000

Overall Coverage: $100,000

Property Damage Coverage: $50,000

Age: 35 years old

Vehicle: 2020 Sedan

Number of Incidents: 0

Credit Score: Good (690-719)

Comprehensive and Collision Coverage: None

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