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

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 $151 per month. Coverage in the Golden State is more expensive than the national average, partly because the state’s insurance price freeze just ended.

The governor 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.4 California drivers who want to reduce costs can consider switching insurers, qualifying for discounts, or choosing a pay-per-mile policy.