Best Car Insurance in California (2025)
The best car insurance in California includes State Farm and USAA. Here’s how to find the best insurer for you.
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Shopping for car insurance can be difficult since every driver has different priorities. But the good news is that knowing what you want to prioritize — affordability, coverage options, discounts, or customer service — can help you find the best fit.
Our editorial team analyzed 50 car insurance companies to determine the best insurers in California. Here are the top picks.
Best car insurance companies in California
The best car insurance companies in California offer affordable pricing, solid coverage, and high customer satisfaction. The following insurers stand out as some of the top insurers in the state. Depending on your priorities, one might be a better fit than the others.
State Farm: Best overall
Nationwide SmartMiles: Best for pay-per-mile coverage
USAA: Best for military members
Safeco: Best for cheap rates
Amica: Best for customer satisfaction
Our editorial team analyzed regional and national auto insurance companies that sell policies in California to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in California
The best car insurance in California depends on your priorities, and a few considerations can make it easier to decide. Here’s what to consider when determining which company is the best option.
Average cost of car insurance in California
The average cost of car insurance in California is $146 per month. Coverage in the Golden State is more expensive than the national average, partly because the state’s insurance price freeze just ended.
California Gov. Gavin Newsom imposed a price hike freeze during the pandemic, which prevented insurers from raising rates. But now that it’s over, experts predict that insurance costs could increase as much as 50% over the next few years.[?] California drivers who want to reduce costs can consider switching insurers, qualifying for discounts, or choosing a pay-per-mile policy.
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Best car insurance in California FAQs
The best car insurance company in California depends on what you need from your coverage. Here’s more information about auto policies in the Golden State.
How much is car insurance in California?
On average, Californians pay $93 per month for liability coverage and $200 for full coverage.
What are the best car insurance companies in California?
California’s best car insurance companies include USAA, Nationwide, and State Farm. Once you determine your top priorities, finding the right fit is easier. For example, Nationwide’s SmartMiles program and Safeco are the best options if you want to prioritize low rates. But if you are a member of the military community, USAA might be a good option.
What is the required auto insurance coverage in California?
The state of California mandates liability insurance that includes $30,000 in bodily injury liability coverage per person, $60,000 in bodily injury liability per accident, and $15,000 in property damage liability.[?] A policy from a reputable insurer meets these minimum coverage requirements. You can also choose to add more coverage for additional protection, like uninsured motorist coverage.
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