Auto Insurance

Best Auto Insurance Companies in California for 2024

Finding the best car insurance can be time-consuming no matter where you live. With some insurance companies closing shops in California due to rising costs to insure drivers, finding the best auto insurance in California has become more challenging than ever.

To simplify your search, Insurance analyzed 75 auto insurance companies in California to identify top picks across the following categories:

If you prefer to see a full list of the top auto insurance companies in California, you can jump to the bottom of this page.

How we found the top car insurance in California.

Insurance California's editorial team evaluated pricing, discounts, complaint data from the National Association of Insurance Commissioners, and other factors to identify the best car insurance companies in California. Our "ease of use" category considers aspects like website transparency and the simplicity of filing claims. As we continually assess more insurance providers and receive updated market data, our list of top car insurance companies is subject to change. We feature only those insurers in our rankings that have achieved a minimum Insurance California star rating of 4.5.

Why you can trust Insurance California.

Our writers and editors adhere to rigorous editorial guidelines to maintain fairness and accuracy in our coverage, helping you select the insurance company that best suits your needs. Our ratings focus specifically on auto insurance; a company's rating for other products may differ on our site. You can review our criteria for evaluating auto insurance companies for more details.

Best auto insurance companies in California overall: Central Insurance Quote

Out of the 21 eligible auto insurance companies in California, Central Insurance Quote attained the highest overall score. Our star ratings highlight essential factors that frequently influence customer experience.

Central Insurance Quote

Central Insurance Quote

5.0

Insurance Rating

Contral Insurance Quote offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected

Best California auto insurance for your budget: Insurance California

Out of the 21 companies we reviewed to find the best auto insurance in California, Insurance California offers the most affordable rates among top-rated providers. Our analysis indicates that the average cost for full coverage insurance with Insurance California is approximately $1,145 per year or $95 per month for drivers in California. Actual rates may vary.

For a thorough examination of the most economical insurers in your state, visit Insurance California's review of inexpensive auto insurance in California.

Insurance California

Insurance California

5.0

Insurance Rating

Pro AAA-branded auto insurance is available across all cities in California. This coverage is designed to meet the needs of drivers throughout the state with comprehensive insurance options.

Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected

Get California Car Insurance Quotes

Best car insurance in California for customer complaints: Insurance San Jose

According to customer satisfaction surveys, Insurance San Jose is the top auto insurance provider in California for drivers, as evidenced by the very small number of complaints the firm has received from state authorities. Based on a comparison of California's vehicle insurance companies, Insurance California has a 5.0-star rating.

Insurance San Jose
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Insurance San Jose

4.6

Insurance Rating

San Jose stands out as an excellent option for good drivers due to its high customer satisfaction ratings and minimal consumer complaints.

Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected

Best California car insurance for ease of use: Insurance Los Angeles

Insurance Los Angeles is recognized as California's top car insurance company for its user-friendly features. Customers can conveniently manage policies and file claims online. The mobile app receives high praise for its user-friendly interface on both iOS and Android platforms.

Insurance Los Angeles

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Insurance Los Angeles

4.5

Insurance Rating

Insurance Los Angeles is a popular choice among drivers, offering generous coverage and discounts for good driving habits. It stands out with fewer complaints compared to other major competitors.

Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected

Get California Car Insurance Quotes

Full list of the top auto insurance companies in California

Among the 21 car insurers analyzed by Insurance California, here is the comprehensive list of companies offering the best car insurance in California. Only insurers rated 4.5 stars or higher by Insurance California were included.

Company Star rating
Central Insurance Quote
5.0 Insurance California Rating
Insurance California
5.0 Insurance California Rating
Insurance San Jose
4.6 Insurance California Rating
Insurance Los Angeles
4.5 Insurance California Rating
Insurance River Side
4.5 Insurance California Rating
Insurance Sacramento
4.5 Insurance California Rating
Insurance San Diego
4.5 Insurance California Rating
Insurance San Francisco
4.5 Insurance California Rating

How to get the best car insurance in California

Getting the best car insurance in California involves several steps to ensure you find coverage that meets your needs and budget:

  1. Assess Your Needs: Determine the coverage types you need (e.g., liability, collision, comprehensive) based on your vehicle type, driving habits, and financial situation.
  2. Compare Quotes: Shop around and compare quotes from multiple insurers. Websites and platforms like Insurify, NerdWallet, or directly from insurers' websites can help you compare rates and coverage options.
  3. Research Insurers: Look beyond just the price; consider the insurer's reputation, customer service reviews, claims handling process, and financial stability (ratings from agencies like AM Best).
  4. Review Discounts: Inquire about available discounts such as safe driver discounts, multi-policy discounts (bundling auto with home insurance), good student discounts, and more.
  5. Consider Coverage Options: Evaluate additional coverage options like roadside assistance, rental car coverage, and gap insurance, depending on your needs.
  6. Check State Requirements: Ensure your policy meets California's minimum auto insurance requirements.
  7. Read the Fine Print: Understand the terms and conditions of the policy, including deductibles, exclusions, and coverage limits.
  8. Customer Service: Assess how easy it is to reach customer service and file claims.
  9. Review Regularly: Periodically review your policy to ensure it still meets your needs and to explore new discounts or better rates.

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