Auto insurance rates in California are among the most expensive in the nation, on average, but costs vary widely between different cities and local insurers. Our team analyzed cost data to provide drivers in California with better information in their search to find affordable car insurance quotes from the best-rated companies near you.



Our analysis found that, depending on where you live, the cost of insuring a car can range by over a thousand dollars between companies. This is why, to get low rates, consumers should shop around and compare quotes. Enter your zip code above now to compare auto insurance rates among top U.S. insurers in your area, or read more by jumping directly to each section in our study.

Cheapest Auto Insurance Companies


Best Car Insurance Rates: by City
Best Car Insurance in California
Average Cost of Auto Insurance: by City
Minimum Auto Insurance Requirements
Cheapest Auto Insurance in California
We averaged rates for single 30 year old male, with a clean driving record across 142 cities in California to arrive at annual premiums by company. Here are the top ten car insurance companies with the best rates in the Golden State, in order from lowest to highest.

Graph of the Five Cheapest Car Insurance Companies in California

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Nationwide is consistently an affordable choice throughout California, followed by Century National and then GEICO.

Rank Company Annual Rate
1 Nationwide $1,137
2 Century National $1,162
3 GEICO $1,211
4 Grange $1,357
5 State Farm $1,453
6 Allied $1,633
7 Progressive $1,674
8 Unitrin $1,753
9 Kemper Specialty $2,518
10 Bristol West $2,730

Cheapest Auto Insurance For Young Drivers: GEICO


We recommend that young drivers get a quote from GEICO, which provided us the cheapest rates for our 18-year-old driver. GEICO's rates were 33% less than the average annual cost of insurance for the insurers we surveyed, and 6% less expensive than the second cheapest company, which was Esurance.

Cheapest Auto Insurance Drivers With a Traffic Violation: Esurance


Drivers with a recent (within the last three years) traffic violation should consider an Esurance auto insurance policy. For our driver profile that featured a recent speeding ticket, Esurance's rates were 37% cheaper than what we found to be the average rate across the insurers.

Cheapest Auto Insurance for Drivers in Their 60s: Esurance


In addition to providing cheap quotes for our driver with a recent accident, Esurance also offered the cheapest auto insurance rates to older drivers. Esurance's rates were 38% cheaper than the average across the insurance companies that we sampled. Other low cost auto insurers for senior drivers include GEICO and Farmers, which ranked as the second and third cheapest options.

Cheapest Auto Insurance Companies by Driver Profile


Driver profile Cheapest company Average annual rates
30-year-old male drivers Nationwide $1,396
Young drivers GEICO $4,058
Drivers with a traffic violation Esurance $1,740
Drivers in their 60s Esurance $1,193
Quotes in the table represent average rates for drivers across Los Angeles, San Francisco and San Diego purchasing a full coverage auto insurance policy.
Cheapest Car Insurance in California: By City
We reviewed local auto insurance quotes for thirty driver profiles and forty companies in the largest cities to report on the insurers with the lowest and most affordable rates. Even in some of the most expensive cities such as Glendale, Inglewood, and Los Angeles, cheap car insurance can be found if you know where to look.

City Company Annual Rate
Alameda GEICO $1,042
Nationwide $1,176
Century National $1,332
Alhambra GEICO $1,385
Nationwide $1,488
Century National $1,500
Aliso Viejo Century National $840
Nationwide $1,008
State Farm $1,104
Anaheim GEICO $1,124
Nationwide $1,176
Century National $1,416
Antioch Nationwide $1,020
Century National $1,056
GEICO $1,156
Azusa Century National $1,188
Nationwide $1,224
GEICO $1,367
Bakersfield Nationwide $960
GEICO $1,040
Century National $1,056
Baldwin Park Nationwide $1,152
GEICO $1,309
Century National $1,356
Bell Gardens Nationwide $1,344
GEICO $1,361
Century National $1,440
Bellflower Century National $1,188
Nationwide $1,236
GEICO $1,364
Brentwood Nationwide $1,008
Century National $1,056
GEICO $1,134
Buena Park Century National $1,056
Nationwide $1,128
GEICO $1,218
Burlingame Century National $984
Nationwide $1,056
GEICO $1,071
Calexico Century National $900
Nationwide $912
GEICO $1,126
Campbell GEICO $936
Nationwide $984
Century National $1,068
Canoga Park Century National $1,272
GEICO $1,452
Grange $1,512
Carmichael Nationwide $1,152
GEICO $1,178
Grange $1,428
Carson Nationwide $1,116
GEICO $1,305
Century National $1,356
Castro Valley Nationwide $1,068
GEICO $1,120
Grange $1,260
Cerritos Century National $1,188
Nationwide $1,236
GEICO $1,251
Chino Century National $1,020
Nationwide $1,032
GEICO $1,282
Chino Hills Century National $1,020
Nationwide $1,140
GEICO $1,215
Chula Vista Century National $828
Nationwide $936
GEICO $1,086
Colton Century National $1,020
Nationwide $1,068
GEICO $1,222
Corona Century National $1,092
GEICO $1,104
Nationwide $1,104
Costa Mesa Century National $960
Nationwide $1,008
GEICO $1,215
Cupertino GEICO $851
Century National $972
Nationwide $996
Cypress Century National $1,056
Nationwide $1,080
Grange $1,260
Daly City Century National $1,272
Nationwide $1,296
GEICO $1,371
Diamond Bar Century National $1,188
Nationwide $1,272
State Farm $1,404
El Cajon Century National $792
Nationwide $1,008
GEICO $1,086
El Monte GEICO $1,403
Nationwide $1,440
Century National $1,500
Elk Grove GEICO $1,145
Nationwide $1,176
Grange $1,284
Encinitas Century National $792
Nationwide $948
GEICO $1,119
Escondido Century National $828
Nationwide $876
GEICO $1,030
Fair Oaks GEICO $1,150
Nationwide $1,164
Grange $1,404
Fairfield GEICO $1,012
Nationwide $1,056
Grange $1,236
Folsom GEICO $1,024
Nationwide $1,068
Grange $1,284
Fontana Century National $1,020
Nationwide $1,068
GEICO $1,275
Fountain Valley Nationwide $1,104
GEICO $1,109
Century National $1,140
Fremont GEICO $988
Nationwide $1,032
Century National $1,104
Fresno GEICO $976
Nationwide $1,008
State Farm $1,272
Fullerton GEICO $1,092
Century National $1,092
Nationwide $1,212
Garden Grove Nationwide $1,128
GEICO $1,232
Century National $1,416
Gardena GEICO $1,275
Nationwide $1,296
Century National $1,356
Gilroy Nationwide $936
GEICO $963
Century National $1,068
Granada Hills Century National $1,488
Grange $1,536
Nationwide $1,584
Hacienda Heights GEICO $1,318
Nationwide $1,320
Century National $1,356
Hanford Nationwide $912
GEICO $966
Grange $1,020
Hawthorne Century National $1,356
Nationwide $1,404
GEICO $1,471
Hayward Nationwide $1,104
GEICO $1,163
Century National $1,332
Hesperia Century National $972
Nationwide $1,008
Grange $1,152
Highland Century National $996
Nationwide $1,020
GEICO $1,282
Huntington Beach Century National $960
Nationwide $1,116
State Farm $1,176
Huntington Park Nationwide $1,284
GEICO $1,361
Indio Nationwide $972
Century National $1,092
Grange $1,128
La Habra Century National $924
Nationwide $1,140
Grange $1,248
La Mesa Century National $828
Nationwide $864
GEICO $1,086
La Mirada Century National $1,056
Nationwide $1,272
Grange $1,296
La Puente Nationwide $1,176
Century National $1,356
GEICO $1,371
Laguna Niguel Century National $840
Nationwide $1,020
State Farm $1,104
Lake Forest Century National $840
Nationwide $1,032
GEICO $1,126
Lancaster GEICO $1,116
Nationwide $1,176
Century National $1,236
Lincoln Nationwide $960
GEICO $1,008
Grange $1,212
Livermore GEICO $977
Nationwide $984
Grange $1,092
Lompoc Nationwide $792
Century National $876
GEICO $904
Long Beach Nationwide $1,176
Century National $1,188
GEICO $1,403
Los Angeles GEICO $1,533
Century National $1,668
Nationwide $1,704
Lynwood GEICO $1,381
Century National $1,440
Nationwide $1,452
Martinez Nationwide $1,020
GEICO $1,044
Century National $1,056
Milpitas GEICO $985
Nationwide $1,032
Century National $1,104
Mission Viejo Century National $840
Nationwide $936
GEICO $1,081
Modesto GEICO $1,094
Nationwide $1,188
Grange $1,368
Montebello Century National $1,188
GEICO $1,338
Nationwide $1,368
Moreno Valley Century National $1,092
Nationwide $1,128
GEICO $1,282
Murrieta Century National $948
Nationwide $1,020
Grange $1,092
Napa Nationwide $972
Century National $1,008
GEICO $1,080
National City Century National $828
Nationwide $1,104
GEICO $1,140
Newbury Park Century National $852
Nationwide $1,056
GEICO $1,102
North Hills Nationwide $1,440
Century National $1,488
Grange $1,596
North Hollywood Century National $1,488
Grange $1,644
GEICO $1,798
Norwalk Nationwide $1,164
Century National $1,188
GEICO $1,318
Oakland Century National $828
Nationwide $924
GEICO $1,077
Oceanside Century National $1,020
Nationwide $1,032
GEICO $1,182
Ontario GEICO $1,086
Century National $1,104
Nationwide $1,164
Oxnard Nationwide $1,344
Century National $1,356
Grange $1,548
Pacoima GEICO $1,109
Nationwide $1,236
Grange $1,296
Palmdale Century National $1,488
Grange $1,632
Nationwide $1,668
Panorama City Century National $1,188
Nationwide $1,272
GEICO $1,329
Paramount Century National $1,188
Nationwide $1,212
GEICO $1,338
Pico Rivera Century National $1,056
GEICO $1,110
Nationwide $1,116
Pittsburg Nationwide $1,080
Century National $1,092
GEICO $1,213
Placentia Nationwide $1,140
Century National $1,188
GEICO $1,363
Pomona GEICO $861
Nationwide $972
Century National $1,056
Porterville Century National $828
Nationwide $888
GEICO $1,077
Poway GEICO $1,012
Nationwide $1,200
Grange $1,416
Rancho Cordova Century National $1,020
Nationwide $1,092
State Farm $1,308
Rancho Cucamonga Century National $1,488
Nationwide $1,512
Grange $1,572
Reseda Century National $1,020
Nationwide $1,236
GEICO $1,282
Rialto Nationwide $1,020
Century National $1,020
GEICO $1,219
Riverside Nationwide $1,224
GEICO $1,293
Century National $1,500
Rosemead Nationwide $1,056
GEICO $1,150
Century National $1,284
Roseville Nationwide $1,188
Century National $1,356
GEICO $1,456
Rowland Heights GEICO $1,413
Century National $1,428
Nationwide $1,464
Sacramento Nationwide $912
Century National $984
GEICO $1,108
Salinas Century National $1,020
Nationwide $1,080
GEICO $1,084
San Bernardino GEICO $1,138
Nationwide $1,152
Century National $1,272
San Bruno Century National $888
GEICO $967
Nationwide $996
San Diego GEICO $1,252
Nationwide $1,272
State Farm $1,512
San Francisco Century National $1,104
GEICO $1,126
Nationwide $1,212
San Jose GEICO $1,076
Nationwide $1,080
Century National $1,332
San Leandro Century National $1,056
GEICO $1,237
Nationwide $1,272
San Pablo Century National $1,092
Nationwide $1,224
State Farm $1,440
San Pedro Nationwide $1,080
GEICO $1,155
Century National $1,188
San Rafael Nationwide $936
GEICO $1,012
Century National $1,056
San Ramon Century National $1,152
Nationwide $1,188
GEICO $1,271
Santa Ana Nationwide $1,020
Century National $1,068
GEICO $1,120
Santa Clara Century National $792
Nationwide $876
GEICO $973
Santee GEICO $1,081
Nationwide $1,188
Grange $1,260
Simi Valley Nationwide $1,308
Century National $1,440
GEICO $1,493
South Gate GEICO $1,062
Nationwide $1,140
Century National $1,272
South San Francisco Century National $828
Nationwide $912
GEICO $1,059
Spring Valley Nationwide $1,104
Century National $1,248
GEICO $1,396
Stockton Nationwide $972
Century National $1,068
GEICO $1,120
Sunnyvale Century National $1,356
Grange $1,404
Nationwide $1,428
Sylmar Nationwide $972
Century National $1,020
GEICO $1,087
Temecula Nationwide $1,068
Century National $1,104
State Farm $1,296
Torrance Nationwide $1,008
GEICO $1,120
Grange $1,152
Tracy Nationwide $936
Century National $1,056
GEICO $1,160
Tulare Nationwide $1,068
Century National $1,092
GEICO $1,146
Tustin GEICO $1,114
Nationwide $1,140
Century National $1,332
Union City Century National $1,020
Nationwide $1,056
GEICO $1,182
Upland Nationwide $924
GEICO $1,012
Grange $1,128
Vacaville GEICO $1,062
Nationwide $1,140
Century National $1,188
Vallejo Century National $1,488
Grange $1,548
GEICO $1,663
Van Nuys Nationwide $972
GEICO $974
Century National $1,092
Ventura Century National $1,188
Nationwide $1,200
GEICO $1,385
Walnut Century National $948
Nationwide $984
GEICO $1,015
Watsonville Century National $960
Nationwide $1,116
State Farm $1,380
Westminster GEICO $1,079
Century National $1,092
Nationwide $1,164
Yorba Linda Century National $936
Nationwide $1,020
GEICO $1,087
Yucaipa GEICO $1,476
Progressive $1,576
Bristol.West $3,996

 
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