Finding the right insurer matters when it comes to affordability. On top of learning how to drive, new drivers need to secure affordable car insurance, which is easier said than done. The average rate for car insurance in California for new drivers is $291 per month. Progressive, AAA, and GEICO are a few California insurers that offer new drivers affordable rates plus ways to save.
Where you live, your ZIP code, your driving record, and other factors influence car insurance rates. Here’s how to find cheap car insurance in California for new drivers.
Best car insurance for new drivers in California
How much you spend on car insurance can vary depending on your age and other key factors, like car type, location, and mileage. To help you narrow down your search for an affordable car insurance policy, here are some of the top car insurance companies for new drivers in California.
Auto Club of Southern California (AAA): Best for customer experience
GEICO: Best for discounts
Progressive: Best for streamlining coverage
Who’s considered a new driver in California?
You can be a new driver at any stage of life. While teenagers are often new drivers, young adults who learned to drive after high school and first-time immigrants in the country with a U.S. driver’s license are also considered new drivers.
Teen drivers with a learner’s permit need to obtain a car insurance policy to drive legally while practicing. Anyone looking to practice driving before they have their license also needs a valid auto insurance policy.
All new drivers can experience the growing pains that come with high insurance rates while they prove they’re responsible. Budgeting for higher car insurance rates before getting a car is a good idea.
Cheapest car insurance for new drivers in California
New drivers lack experience behind the wheel, which makes them a risk to insure. But that’s not the only reason car insurance companies charge young drivers more. For example, teen drivers are notorious for getting distracted and making risky driving decisions.
To help teens save, parents can add them to their policy, which can result in savings like a multi-policy or loyalty discount. It also helps to pursue an affordable policy. The following table outlines the cheapest car insurance rates for teen drivers in California from popular auto insurance companies.
How much car insurance should new drivers in California buy?
To drive legally in California, you must adhere to certain car insurance coverage standards — no matter how old you are.1
Liability insurance protects other parties but doesn’t cover your damages. To better protect themselves, new drivers should consider comprehensive and collision coverage for their vehicles and roadside assistance for emergencies.
State minimums often fall short in severe accidents, leaving drivers financially vulnerable. You may want to consider higher coverage limits or additional policies that can prevent out-of-pocket expenses for medical costs or repairs that exceed liability limits.
Car insurance discounts for new drivers in California
New drivers pay more for car insurance than more experienced drivers, but they can take steps to reduce their car insurance rates. In addition to keeping their driving record clean, new drivers can also see if they qualify for any of these popular auto insurance discounts.2
Good student discount: Many insurers reward students with good grades, so teen drivers have some extra motivation to study.
Defensive driving course discount: Completing a certified defensive driving course demonstrates to your insurer that you’re knowledgeable about safe driving habits.
Low-mileage discount: Most teens don’t drive long distances, and some insurers offer reduced premiums for people who don’t drive as often.
Bundling discount: Combining auto insurance with renters or home insurance can lead to multi-policy savings.
How to get cheap car insurance as a new driver in California
If you’re a new driver looking for cheap car insurance in California, consider these helpful tips for finding a policy that meets your coverage needs and budget.3