Most Competitive Car Insurance in California 2022

Firmin Nouboussi

2 years ago

Looking for a car insurance in California that will help covering needs while given you ease in expenses in a concern for all. In fact, California is probably the third largest state in US and as such does have a huge number of car insurance companies with competitive price and quite attractive. Hence, getting a better one with convenient quote while consideration its overall reputation and reliability might be a hard nut to crack. No worries, let’s go through some details. The basic requirements for car insurance in California are $15,000 per person for bodily injury coverage, $30,000 per accident per annum and $5,000 minimum for property damage liability coverage, this implies that all car owners should carry a 15/30/5.

Table of Contents

1.Metromile
2.Progressive
3.State Farm
4.Geico
5.Wawanesa
6.Esurance

1.Metromile

Metromile car insurance was considered to be the overall best insurance company in 2021 probably because of its black box usage policy which is still up to date with the possibility of the customer to pay only for the consuming miles. However, the inconvenience of this policy being appealing because of its negative impact on some safe driver through increase of their conventional premium, it is a dubious to keep the same belief. The doubt is cleared out considering that Metromile car insurance minimum coverage is nearly $185 per month which is somehow affordable. Metromile also offers an interesting smartphone app to stay close and available for the customer at all the times.

2.Progressive

Progressive is also an amazing car insurance in California with an overall cheap monthly coverage rate which is of $40, hence a cheap full-annual coverage for car as well. It also offers attractive rate considering factors such as the driver age, history of accidents, or driving under influence. The exceptional convenient customer care presented by Progressive car insurance in California is another appealing factor standing in favor of its ranking amongst competitive car insurance corporation in this state. Some of its exceptional discounts include multicar discount rate at about 10%, bundle auto and property average discount of about 12% or a possibility of zero deduction from the premium in case of accident claims less than $500.

Source: https://www.progressive.com/answers/california-car-insurance/

3.State Farm

With an important overall market share in US, State farm is an incredible car insurance with good reputation in California as well. It stands among the best car insurance in California offering important affordable rates coverage for teens and with multiple discount for young drivers. It is considered to be the most affordable car insurance for new car owners as its coverage offer attractive quote with possible discount for new approved drivers, specifically the youths. Another great aspect for state farm car insurance is great customer rating proof of its endless support for clients. But the means of getting to their quotes has to be ameliorated as it is not easy to get anywhere.

4.Geico

Geico is a nationwide car insurance quite present if not all most of the best or cheapest insurance list no matter the state. That somehow justifies its presence in the presence here. Geico car insurance in California is the best with the most acceptable liability only for teens. It has got a 4 out 5-star rating for its supports with $390 as average minimum charges for liability policy yearly. This company has a monthly rate of $146 for full-coverage of car insurance, a price which is less than the normal Californian monthly rate which is about $179 for full coverage. Geico car insurance also offers interesting discounts for multivehicle insurance, new vehicles or good driver with accident free for at least 5 years.

5.Wawanesa

Wawanesa is ranked the best for good drivers in California, according to Forbes Advisor, it is a car insurance with good average annual rates and does offer important discount for driver with good records. Wawanesa car insurance in California is also good for young drivers as it can help keep some money aside through its most considerable average annual rates which is about $2,066, that is quiet low compare to the overall California state rate which is approximately $3,775. It is interesting, but compare to other close rivals, Wawanesa car insurance offers less discounts, and seems to reject drivers with huge number of traffic violations. Its easy access claims and prompt response to customer care does correct its disadvantages.

6.Esurance

With a 3 out 5-star rating, Esurance car insurance in California is a young company founded in 1999 with the support of Allstate insurance company. It has built up a strong reputation through its huge range of coverage options, enough discounts and telematics option to stand the customer needs. With Esurance, it is possible to gain an important yearly saving for insurance premium, that is because it is very affordable with an average premium of nearly $1,165, lower than the normal average in California. Even though the satisfaction for the claims is not the most attractive, Esurance does justifies its position amongst best car insurance in California through its various coverage options listed as emergency roadside coverage, loan or lease gap coverage, personal injury protection and others.