Best Car Insurance In California (2024 Complete Guide)

*Not all companies were included in our rate estimate data. Additionally, you may notice that some car insurance companies are listed above companies with higher star ratings. That’s because our ratings take into account nationwide factors, whereas our rankings here look specifically at which insurance providers are best for car insurance in California.

#1 Geico Insurance: Best for basic coverage

Full coverage auto insurance cost: $147 monthly, $1,758 annually
Minimum liability auto insurance cost: $40 monthly, $482 annually
California Customer Service Rating: 830/1,000
Claim Satisfaction Rating: 871/1,000

Geico is the third-largest auto insurer in the US as it writes more than $38 billion in auto premiums in 2022, according to the National Association of Insurance Commissioners (NAIC). Depending on your driving record, you can get very low rates with Geico auto insurance in the Golden State – so low, in fact, that we’ve identified Geico as the best for basic coverage. Geico has received an A+ rating from the Better Business Bureau (BBB), the highest possible financial strength rating from AM Best, and an above-average score from California respondents in the J.D. Power 2023 US Auto Insurance Study.

See how we compare Geico vs. Progressive, another big provider, in our review.

#2 State Farm Insurance: Best Overall Provider

Full coverage auto insurance cost: $216 monthly, $2,586 annually
Minimum liability auto insurance cost: $67 monthly, $805 annually
California Customer Service Rating: 826/1,000
Claim Satisfaction Rating: 891/1,000

Another top provider for California auto insurance, State Farm excels at insuring students with a variety of discounts, including Steer Clear. Program, which encourages safe driving for drivers under the age of 25. If you are looking for higher liability coverage limits, State Farm has you protected with coverage up to $500/500/500 to meet California car insurance requirements and take care of most expenses in the event of an accident. It is adequate. Some of State Farm’s additional features include rental and travel expense coverage, rideshare coverage, and roadside assistance.

#3 Farmers Insurance: Best for add-on selection

Full coverage auto insurance cost: $180 monthly, $2,163 annually
Minimum liability auto insurance cost: $59 monthly, $712 annually
California Customer Service Rating: 810/1,000
Claim Satisfaction Rating: 878/1,000

Farmers Insurance is one of the oldest providers in the country and ranks among the best car insurance companies. In addition to the standard types of car insurance, Farmers also offers supplemental California car insurance coverage for new car replacement, accident forgiveness, and more. The company is generous with driver discounts, including discounts for students in good standing, homeowners who bundle a policy, and those who maintain a clean driving record.

#4 Liberty Mutual Insurance: Best Customizable Coverage

Full Coverage Auto Insurance Cost: N/A*
Minimum Liability Auto Insurance Cost: N/A*
California Customer Service Rating: Not ranked in the area
Claim Satisfaction Rating: 866/1,000

Liberty Mutual auto insurance is a great option for teenagers and military personnel in California as there are discounts available for these groups. Some ways to save on California car insurance with Liberty Mutual Insurance include multi-car discounts and having a vehicle with safety features like anti-theft systems and airbags. You can also qualify for discounts based on your alumni and professional connections, and further customize your policy with various add-on coverage options.

*Specific cost data is not available for Liberty Mutual.

#5 Allstate Insurance: Best for Personal Service

Full coverage auto insurance cost: $204 monthly, $2,450 annually
Minimum liability auto insurance cost: $64 monthly, $765 annually
California Customer Service Rating: 816/1,000
Claim Satisfaction Rating: 882/1,000

Unlike some other national car insurance companies, Allstate works through a network of local insurance agents to provide coverage, making it a great option for those who prefer personal service. Allstate has an A+ financial strength rating with AM Best and an A+ rating with the BBB. There are several ways to get discounted rates for Allstate car insurance in California, including Allstate motorcycle insurance, home insurance, renters insurance, and bundling with other policies.