California Car Insurance Quotes: Compare State Farm, GEICO and More

Where’s a good place to start a California car insurance quote comparison? If you want to know how prices vary from different car insurance companies, MoneyGeek computed the averages of insurance quotes in California. We included the state's three biggest auto insurance companies, State Farm, GEICO and Farmers, as well as several other major insurers.

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Last Updated: 4/7/2022
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Getting an online car insurance quote typically takes just four minutes or less. It’s a lot easier to compare car insurance quotes from various car insurance carriers using MoneyGeek’s research than it is on your own.

Car insurance quotes in California vary widely depending on your driver profile. Rates can range from $656–$9,724 per year.

The cheapest premium is available to a 40-year-old SUV driver with a clean driving record, excellent credit and state-mandated liability-only insurance. Meanwhile, a 20-year-old luxury sedan driver with a DUI, poor credit and 100/300/100 comprehensive and collision insurance pays the highest rate.

Car Insurance Quotes in California by Company

The three most popular auto insurance providers in California are State Farm, GEICO and Farmers. MoneyGeek gathered quotes from these and other major insurers in California, considering a wide range of driver profiles, ages, driving histories and credit scores.

For those who wish to save money on their insurance, we looked at the cheapest policies in California. Our guide to the average cost of auto insurance may also be helpful if you're curious about how car insurance prices in California vary based on different factors.

The insurance estimates mentioned in our guide do not yet include any possible discounts. Therefore, actual rates may vary.

Use our toggles to enter the driver characteristics that best fit you to compare car insurance quotes across the biggest insurers in California.

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Compare California Car Insurance Quotes

Customize the toggles and get California car insurance quotes that fit your profile

State Farm Car Insurance Quotes in California

In California, it costs an average of $1,526 per year to insure a vehicle with State Farm.

The lowest price offered by this insurer is for a 40-year-old SUV driver with a clean driving record, an excellent credit score and state minimum insurance. This policy costs $746 per year on average.

The most expensive premium is around $11,326 per year for a 20-year-old luxury car driver with a DUI and full coverage.

You may use the tables below to choose relevant information for your profile and compare the prices of state minimum and full coverage car insurance policies.

State Farm Car Insurance Quotes in California

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  • Coverage Level
    State Farm Average Annual Quote
  • State Minimum Liability
    $753
  • 100/300/100 Comprehensive/Collision
    $1,572

GEICO Car Insurance Quotes in California

GEICO car insurance in California costs around $1,270 per year.

The cheapest quote from this insurer is around $531 per year for a 40-year-old SUV driver with a clean driving record and state-required minimum liability insurance.

On the other hand, GEICO's most expensive quote in California is around $7,210 per year. This is for a 20-year-old luxury auto driver who has a DUI and full coverage.

Compare the costs of state minimum and full coverage vehicle insurance policies depending on your driving profile using the chart below.

GEICO Car Insurance Quotes in California

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  • Coverage Level
    GEICO Average Annual Quote
  • State Minimum Liability
    $536
  • 100/300/100 Comprehensive/Collision
    $1,309

Farmers Car Insurance Quotes in California

Farmers car insurance coverage costs around $1,649 per year in California.

The most affordable average rate offered by this insurance provider is $867 per year for a 40-year-old SUV driver with a clean driving record and state-required minimum liability insurance.

Meanwhile, Farmers' most expensive quote averages $6,845 per year for a 20-year-old luxury car driver with a prior DUI and full coverage.

You may use the table below to choose the variables that apply to your driving profile and compare the prices of state-mandated liability-only and full coverage vehicle insurance policies.

Farmers Car Insurance Quotes in California

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  • Coverage Level
    Farmers Average Annual Quote
  • State Minimum Liability
    $876
  • 100/300/100 Comprehensive/Collision
    $1,700

Allstate Car Insurance Quotes in California

The average yearly cost of Allstate insurance in California is $1,322.

This insurer's lowest quoted cost is around $773 per year for a 40-year-old SUV driver with a clean driving record and a state-required liability-only insurance policy.

The most expensive quote comes in at $10,102 per year for a 20-year-old luxury automobile driver with a DUI and full coverage.

You may use the chart below to compare the costs of state minimum coverage and full coverage auto insurance policies. Pick the characteristics that apply to your profile.

Allstate Car Insurance Quotes in California

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  • Coverage Level
    Allstate Average Annual Quote
  • State Minimum Liability
    $781
  • 100/300/100 Comprehensive/Collision
    $1,363

Mercury Car Insurance Quotes in California

In California, it costs an average of $1,449 per year to insure a vehicle with Mercury.

The lowest price offered by this insurer is for a 40-year-old SUV driver with a clean driving record and state minimum liability-only insurance. This normally costs $602 per year on average.

You may use the table below to choose elements that are relevant to your profile and compare the prices of state minimum liability-only and full coverage vehicle insurance policies.

Mercury Car Insurance Quotes in California

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  • Coverage Level
    Mercury Average Annual Quote
  • State Minimum Liability
    $608
  • 100/300/100 Comprehensive/Collision
    $1,494

CSAA Car Insurance Quotes in California

CSAA car insurance quotes in California average $1,356 per year.

Their most affordable policy is around $515 per year for a 40-year-old SUV driver with a clean driving record and state minimum insurance.

In contrast, a 20-year-old luxury automobile driver with a DUI and full coverage pays roughly $11,705 per year for CSAA's most costly premium in California.

Drivers may use the table below to choose the most relevant characteristics to their profile and compare the prices of state minimum and full coverage vehicle insurance policies.

CSAA Car Insurance Quotes in California

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  • Coverage Level
    CSAA Average Annual Quote
  • State Minimum Liability
    $520
  • 100/300/100 Comprehensive/Collision
    $1,397

Progressive Car Insurance Quotes in California

Progressive car insurance costs around $1,132 per year in California.

Their cheapest coverage option costs an average of $491 per year and applies to a 40-year-old SUV driver with a clean driving record and the state's minimum insurance requirement.

On the other side, Progressive's most costly rate is for a 20-year-old luxury automobile driver with a DUI and full coverage. This policy costs an average of $6,549 per year.

By choosing features that reflect their profile in the table below, drivers may compare the cost of a state minimum policy to a full coverage insurance policy.

Progressive Car Insurance Quotes in California

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  • Coverage Level
    Progressive Average Annual Quote
  • State Minimum Liability
    $496
  • 100/300/100 Comprehensive/Collision
    $1,166

USAA Car Insurance Quotes in California

In California, USAA car insurance costs an average of $1,171 per year. However, this insurance is only available to military families.

Their cheapest plan is around $483 per year for a 40-year-old SUV driver with a clean driving record and a state-required minimum liability-only insurance policy.

On the other hand, a 20-year-old driver with a prior DUI conviction and full coverage pays the highest yearly rate, averaging $6,974. This policy may cover a driver with this profile who drives a luxury sedan, pickup truck, sedan, sports car or SUV — USAA quotes the same average rate for all four of these vehicle options.

Drivers may use the table below to choose attributes relevant to their profile and compare the costs of state minimum and full coverage vehicle insurance policies.

USAA Car Insurance Quotes in California

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  • Coverage Level
    USAA Average Annual Quote
  • State Minimum Liability
    $483
  • 100/300/100 Comprehensive/Collision
    $1,171

How to Get Free Car Insurance Quotes in California

Getting car insurance quotes in California is one of several ways to learn how much it will cost you to insure your vehicle.

Car insurance costs in California may be determined by researching on your own or using MoneyGeek's data. We've gathered car insurance prices for the state and also offer a car insurance calculator that can provide more precise figures.

Lastly, you may do an independent comparison of quotes with actual rates from insurance carriers. Even though this procedure is time-consuming, it yields the most accurate estimates.

Auto Insurance Calculator

State

California

Age

30-65

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female
Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

2.

CSAA

$626

3.

USAA

$635

4.

GEICO

$646

5.

Esurance

$707

How to Get Car Insurance Quotes from Insurers in California

Traditionally, talking to an agent or broker is how you get an estimate if you’re shopping around for car insurance. These days, you can choose to get car insurance quotes online. If you’re going in this direction, prepare the information insurers need to provide an accurate estimate. These usually include your personal details and how much insurance you need.

MoneyGeek compared the online quote processes of major insurers in California and identified which ones do and do not offer online quotes. We found that CSAA and Progressive provide quotes the fastest.

In some instances, the insurer’s online quote tool failed to give us a quote. We designated these as having no online quote process.

How Fast Are Online Quote Tools in California?
  • Length of Online Quote Process
    Companies
  • Quick Online Quote Process (<10 Minutes)

    • State Farm
    • BERKSHIRE HATHAWAY GRP
    • AUTO CLUB ENTERPRISES INS GRP
    • Allstate
    • MERCURY GEN GRP
    • CSAA INS GRP
    • Progressive
  • No Online Quote Process

    • FARMERS INS GRP
    • KEMPER CORP GRP
    • USAA

State Farm Car Insurance Quote Tools in California

You can get a car insurance estimate using State Farm’s online quote tool. The entire process takes about three minutes to complete. If, after your initial quote, you decide you want to explore different coverage levels, you can adjust your limits and the tool automatically updates your rates.

GEICO Car Insurance Quote Tools in California

GEICO’s online quote tool allows you to see how much car insurance may cost within four minutes. You also have the option of modifying coverage levels if you want to see how it impacts your potential premium. The tool updates the quote in real-time, so you’ll get immediate results when you make changes to your proposed coverage.

Farmers Car Insurance Quote Tools in California

When we looked at Farmers’ website, it had an online quote tool. However, it did not generate an estimate when we tried to get a quote for our sample driver profile for California. It’s best to contact Farmers directly to get an idea of how much insurance may cost.

Allstate Car Insurance Quote Tools in California

You can get a car insurance estimate in approximately three minutes if you use Allstate’s online tool. You need to put in personal details and some vehicle information to get the most accurate rates possible. You can also change the coverage levels, and the tool automatically updates the quote.

Mercury Car Insurance Quote Tools in California

Mercury’s online quote tool provides you with an estimate within three minutes. After getting your initial rate, you can change the coverage levels to see how these impact your premium. There’s no wait time involved if you do this — you’ll get updated numbers in seconds.

Kemper Car Insurance Quote Tools in California

Kemper’s website has an online quote tool. However, it did not provide us with an estimate for our sample driver profile in California. You’ll need to get in touch with one of their agents to get an idea of how much insurance may cost.

CSAA Car Insurance Quote Tools in California

An initial estimate from CSAA, another AAA affiliate like Auto Club Enterprises, takes approximately two minutes using their online tool. However, if you want to adjust how much insurance you want, their system won’t allow you to do this. You may have to speak with an agent directly to get a more customized quote.

Progressive Car Insurance Quote Tools in California

Progressive has one of the fastest online quote processes available. It only takes an average of two minutes to get an estimate. If, after your initial quote, you want to adjust your coverage levels, the tool automatically updates the rates in real-time.

USAA Car Insurance Quote Tools in California

USAA’s website has an online quote tool. However, a personalized estimate for our driver profile in California wasn't available. The best way to get an accurate car insurance quote from USAA is to reach out to an agent. Also, keep in mind that USAA only sells insurance to military members and their families.

FAQ About Car Insurance Quotes in California

Finding a car insurance quote does not have to be a lengthy process. To help you get started, MoneyGeek has covered the most commonly asked questions about obtaining car insurance prices in California.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.