What Is Temporary Car Insurance in California?

street in downtown of san francisco with san francisco oakland bay bridge in the center, california, usa

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Table of Contents

  • California Auto Insurance Costs by Insurer
  • California Auto Insurance Premiums by Driver Age
  • California Car Insurance Premiums by Gender and Marital Status
  • California Insurance Rates After a Violation or Accident
  • California Auto Insurance Premiums by Credit Tier
  • Expensive California Cities
  • Cheaper California Cities
  • Resource Section
  • List of Insurance Companies in California
  • No-Fault Insurance in California Information

    Whether you’re looking for annual or temporary car insurance in California, it’s important to do comparison shopping before you buy. Your auto insurance premium can vary significantly depending on which insurer you choose. With proper research, you can find a policy that perfectly suits your needs while saving money.

    California Auto Insurance Costs by Insurer

    The average auto insurance rate in California is $156 per month or $934 biannually. The most affordable insurer for temporary car insurance in the state is Esurance. This provider offers a monthly premium that’s $14 lower than the next cheapest option, which is Century National. According to The Zebra, the following are the average monthly and six-month rates of several insurance companies in California:

    • Esurance: $97 per month or $582 biannually
    • Century National: $111 per month or $667 biannually
    • GEICO: $113 per month or $679 biannually
    • Progressive: $131 per month or $784 biannually
    • California Capital: $135 per month or $811 biannually

      A MoneyGeek report showed that the following insurers have the best annual rates for minimum coverage in California:

      • Progressive: $481 per year or $40 per month
      • USAA: $483 per year or $40 per month
      • CSAA: $505 per year or $42 per month
      • GEICO: $521 per year or $43 per month
      • Esurance: $570 per year or $48 per month

        California Auto Insurance Premiums by Driver Age

        In general, insurance companies will charge teenagers and 20-somethings higher premiums and offer discounted rates to older drivers. This is because they regard young drivers as inexperienced and more prone to accidents. According to SmartFinancial, teen drivers aged 16 to 19 pay an average of $241.95 per month for car insurance, while drivers in their 40s have an average premium of $152.20 per month. Below are the average auto insurance rates for different age groups in California:

        • 16 to 20: $241.95 per month
        • 20s: $179.86 per month
        • 30s: $152.06 per month
        • 40s: $152.20 per month
        • 50s: $141.01 per month
        • 60s: $135.93 per month
        • 70s: $143.60 per month
        • Over 80: $147.99 per month

          California Car Insurance Premiums by Gender and Marital Status

          Married couples in California have more than one driver on their auto insurance policies, so they pay more than single drivers. But as individuals, they enjoy much lower rates than their single counterparts. If married couples add another vehicle or a teen driver to their policies, their insurance costs go up. The average car insurance rates in California by marital status are:

          • Married couples: $171.83 per month
          • Single drivers: $155.11 per month
          • Divorced drivers: $173.56 per month

            In California, insurance companies can’t take gender into consideration when setting car insurance premiums. Therefore, female drivers pay the same rates as male drivers.

            California Insurance Rates After A Violation or Accident

            Insurance companies consider drivers who were involved in accidents or committed speeding or DUI offenses to be high-risk drivers. As such, providers typically charge these drivers higher rates than drivers with good driving histories. According to MoneyGeek, the following are the most affordable insurance companies for drivers with DUIs or tickets for speeding or distracted driving:

            DUI

            • Mercury: $198 per month
            • Esurance: $219 per month
            • Progressive: $226 per month
            • Farmers: $236 per month
            • GEICO: $249 per month

              Speeding or Distracted Driving Ticket

              • USAA: $107 per month
              • Esurance: $111 per month
              • CSAA: $142 per month
              • MetLife: $142 per month
              • AAA: $145 per month

                California Auto Insurance Premiums by Credit Tier

                In most states, credit scores are one of the most important factors for determining auto insurance rates. However, California is an exception. Insurance providers in the state can’t use their customers’ credit scores to calculate insurance quotes. Consequently, drivers with bad credit don’t pay higher premiums than those with good credit.

                Expensive California Cities

                In California, the city where you live can affect your car insurance costs. For example, if accidents or vehicle thefts commonly occur in your city, be prepared to pay more for auto insurance. According to NerdWallet, the following are the California cities with the most expensive car insurance:

                • Glendale: $1379.71 per year
                • Los Angeles: $1357.99 per year
                • Santa Monica: $1259.40 per year
                • South Gate: $1255.33 per year
                • Burbank: $1229.43 per year

                  Cheaper California Cities

                  On the other hand, if you reside in a safe city with a low accident rate, you can expect to enjoy better auto insurance rates. The most affordable California cities for car insurance include:

                  • Santa Maria: $813.19 per year
                  • Redding: $823.58 per year
                  • Cupertino: $857.58 per year
                  • Camarillo: $863.67 per year
                  • Hanford: $864.88 per year

                    List of Insurance Companies in California

                    The cheapest auto insurance companies in California might not provide the best claims experience or customer service. Depending on individual circumstances, certain insurance providers might be better fits for certain drivers.

                    In a study, ValuePenguin found that State Farm is the best car insurance company in California. About 73 percent of respondents said they were extremely satisfied with their most recent claims experience with the company. Also, 46 percent rated the insurer’s customer service as “excellent.” Allstate came in second with 72 percent of insurance consumers being happy with its claims process, and 47 percent giving it high customer service ratings. Other top insurers in California include Farmers, Progressive, GEICO, and AAA.

                    No-Fault Insurance in California Information

                    When it comes to car insurance, California follows at-fault accident laws. When an accident occurs, the driver who is at fault has the legal obligation to pay for the damages of the other parties involved. The minimum auto liability coverage required in California is:

                    • Bodily injury or death liability per person: $15,000
                    • Bodily injury or death liability per accident: $30,000
                    • Property damage liability: $5000

                      Sources:

                      https://www.thezebra.com/auto-insurance/california-car-insurance/temporary-car-insurance/

                      https://www.moneygeek.com/insurance/auto/cheapest-car-insurance-california/

                      https://smartfinancial.com/auto-insurance/california/average-rates

                      https://www.cbsnews.com/news/car-insurance-california-bans-gender-as-a-factor-in-setting-rates/

                      https://www.nerdwallet.com/blog/insurance/most-and-least-expensive-cities-for-car-insurance-in-california/

                      https://www.valuepenguin.com/best-cheap-car-insurance-california

                      https://www.caranddriver.com/car-insurance/a35472945/how-to-choose-car-insurance/

                      https://www.caranddriver.com/car-insurance/a35590611/car-insurance-premium/

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