Cheapest Car Insurance in California, alltin.net discovered that Wawanesa, California, offers the most affordable vehicle insurance rates, at an average of $80 per month. That works up to $959 annually, which is $878 less than what a full-coverage policy in California would normally cost.
GEICO, USAA, Mercury, and National General are the additional companies we recommend for the best and most affordable vehicle insura`1nce in California. To find the most affordable provider for you, make sure to compare prices before purchasing coverage.
Cheapest Car Insurance in California
Wawanesa (Cheapest Car Insurance in California)
The uncomplicated auto insurance offered by Wawanesa doesn’t offer a lot of customizing options. However, due to its low rates and incentives, Wawanesa—which only provides coverage in California and Oregon—remains a preferred choice (especially for motorists on a tight budget).
Pros
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Low average premiums
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A reasonable choice for drivers with accident histories
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Top-rated customer service
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Offers several discounts
Cons
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Only three endorsements are available: special parts coverage, roadside assistance, and rental car coverage.
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Doesn’t offer gap insurance
The average cost of auto insurance in California is lowest in Wawanesa. Full-coverage auto insurance from Wawanesa costs just $80 a month, which works out to $878 less annually than the state’s average.
We also discovered that Wawanesa is still more reasonable than its rivals even for drivers who have a DUI, a speeding ticket, or an accident on their record—all of which can result in significant price increases at the majority of auto insurance providers.
GEICO offers coverage across the country and frequently has some of the lowest prices. Even while claims satisfaction can vary, GEICO receives less service complaints than the national average. With a few helpful add-ons, drivers can additionally tailor their GEICO auto insurance coverage.
Pros
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In every state as well as the District of Columbia
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Usually has some of the cheapest rates
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Receives fewer complaints about its service than anticipated
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Allows drivers to add different types of useful coverages to a basic policy
Cons
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Mixed reputation for claims satisfaction
USAA (Cheapest Car Insurance in California)
One of the most dependable and affordable auto insurance providers in the nation is USAA. Additionally, it has a long history of providing excellent customer service. Unlike other companies, USAA is exclusively accessible to those with military ties.
Pros
- Pprovides coverage in all 50 states and Washington, D.C.
- Usually offers some of the most affordable rates for vehicle insurance of any provider.
- Discounts are one way that drivers can cut their premiums.
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Consistently high customer satisfaction
Cons
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Limited options for adding extra coverage
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Only accessible to service personnel, veterans, and their families
Among California’s most affordable auto insurance providers is USAA, but you can only use it if you’re a current or past service member (or a member of a military family). Drivers in California pay $125 monthly or $1,502 year on average for USAA. That is $335 yearly less than the state average.
Mercury provides fewer add-ons and endorsements than some of its rivals, but drivers will still discover reasonable prices (especially following a traffic infraction or accident) and a few reductions that could further reduce costs.
Pros
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Lower-than-average rates after a violation
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Offers discounts for extra savings
Cons
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Rental car coverage, rideshare coverage, and roadside assistance are the only add-ons.
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Receives more complaints than average for service
One of the most affordable auto insurance providers in California is Mercury. According to our research, Mercury’s average monthly premium for auto insurance is $127 ($1,520 annually). That is $317 under average. Mercury may also be slightly less expensive than usual following a traffic infraction.
National General (Cheapest Car Insurance in California)
Although National General is best recognized for being a leading insurer for motorists with poor driving histories, the business also provides coverage to customers who have never been in an accident or received a moving infraction.
Pros
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Known for offering coverage to high-risk drivers
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With the company’s DynamicDrive telematics discount, responsible drivers can save.
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Offers a wide range of discounts
Cons
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Receives many more complaints about its service than is typical
Our list of the most affordable vehicle insurance providers in California is completed by National General. Drivers in California pay $130 per month on average for vehicle insurance from National General, which is $275 less than the national average. In addition to giving coverage to high-risk drivers, National General is renowned for having cheap average premiums.
This means that Californian drivers who are having problems finding coverage elsewhere because of a recent accident, DUI, traffic infraction, or suspended license should think about National General.
