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* Not all companies have been included in our rate estimation data. Also, you may notice that some auto insurance companies are listed above those with higher star ratings. This is because our ratings consider national factors, while our ranking specifically looks at which insurers are the best for auto insurance in California.

Depending on your driving record, you can find very low rates with Geico auto insurance in the Golden State. This deal is made even nicer by the high marks that Geico gets in different areas.

In our own research, we have identified Geico as the best car insurance company available to everyone. (USAA has definite strengths but is only available to military members and their families.)

In JD Power℠’s 2021 Auto Insurance Study, Geico ranked fourth overall for the State of California. The study looked at how people experienced Geico’s claims process, and many drivers had a smooth and easy experience.

Additionally, the company has an A+ rating from the Better Business Bureau (BBB) ​​and an A++ financial strength rating from AM Best. The AM Best rating is the highest given to an insurance company, which means Geico can easily handle the financial responsibility of insuring so many people nationwide. According to the NAIC, Geico is the second largest auto insurer in the United States and underwrote more than $33 billion in auto premiums in 2020.

Geico also offers a number of auto insurance discounts for California auto insurance for things like:

  • Be a good driver
  • have airbags
  • Take a defensive driving course
  • To be a federal civil servant

You can get multi-policy discounts when you bundle the automobile with another plan like renters insurance. All of these qualities led us to choose Geico as the best car insurance option in California. We also think it’s a great choice if you want more coverage than the bare minimum.

To learn more about the car insurance provider, see our Geico Review.

Another top provider for auto insurance in California, State Farm excels in student insurance with a wide variety of discounts, including the Steer Clear® program that encourages safe driving for drivers under 25. There’s also the remarkable Drive Safe & Save™ program that monitors your driving habits via an app to help you save on car insurance.

If you’re looking for high liability coverage limits, State Farm has you covered with coverage up to 500/500/500, which is more than enough to meet California auto insurance requirements and cover most expenses in the event of an accident.

A few State Farm extras include rental and travel expense coverage, carpool coverage, and roadside assistance. The Drive Safe & Save discount with State Farm uses data acquired from an app on your phone about your driving habits to determine savings.

To learn more about the car insurance provider, see our state farm auto insurance review.

Farmers Insurance is one of the oldest insurance choices in the country and ranks among the best. The insurance company offers coverage options for drivers at every stage of life.

In addition to the standard auto insurance types, Farmers also offers supplemental auto insurance coverage in California for:

  • New car replacement
  • Forgiveness insurance in the event of an accident
  • Tailor-made equipment protection
  • Original Equipment Manufacturer (OEM) Parts
  • Loss of use coverage
  • Guaranteed Value™
  • Towing and road service
  • Carpooling
  • personal umbrella
  • Window and windshield coverage

The discount opportunities offered by Farmers allow you to improve your eligibility by modifying your driving style or the characteristics of your car. Discounts with farmers depend on where you live, but here are some examples of ways to save on car insurance in California:

  • Good driver discount
  • Owner discount
  • Discounts for adult drivers and students/teens whose parents have a good driving record
  • Good student discount
  • Professional discounts (applicable to doctors, nurses, RNs, firefighters, police officers, etc.)
  • Senior defensive driving discount for seniors age 55 or older after completing an online safety course provided by AARP
  • Discount on alternative fuel vehicles (i.e. electric cars)
  • Airbags, anti-theft technology and other safety devices
  • Discount for having policies for multiple vehicles

Signal is the Farmers app that monitors your driving behavior and can qualify you for even more discounts. It tracks how fast you drive, brake, accelerate, and your other driving habits.

Once you sign up for Signal and complete 10 trips, you will receive a 5% discount on the policy. When it comes time to renew your car policy, you could be eligible for a discount of up to 15%, depending on the driving score the app gives you.

To learn more about the car insurance provider, see our farmers insurance review.

Liberty Mutual auto insurance is a great choice for teens and military personnel in California because of the discounts offered to these groups. Plus, the company has great reviews from auto insurance industry experts like the BBB and AM Best.

Liberty Mutual partners with over 14,000 employers, alumni associations and professional associations to bring you discounts. Some ways to save on auto insurance in California with Liberty Mutual Insurance include a multi-car discount and a vehicle with safety features such as anti-theft systems and airbags. You may also qualify for discounts based on your alumni and professional connections.

To learn more about the car insurance provider, see our liberty mutual auto insurance review.

Now one of the largest public P&C insurance companies in the United States, Allstate serves more than 16 million American households. But, unlike some other national auto insurance companies, Allstate auto insurance works through a network of local agents to provide coverage.

Allstate has an A+ financial strength rating with AM Best and an A+ rating with the BBB. In addition to the basic types of coverage, Allstate auto insurance offers:

There are several ways to get lower rates for Allstate auto insurance in California, including bundling it with other policies such as Allstate Motorcycle Insurance, home insurance, tenant insurance, etc. Other discounts include:

  • New car discounts for first-time vehicle owners
  • Multi-car and multi-policy discounts for customers who bundle home and auto insurance policies
  • Student discounts for drivers under 25
  • Anti-lock and anti-theft discounts for equipped cars
  • Early signing discount for policyholders who sign early
  • EZ Payment Plan Discounts for Policyholders Using Allstate’s Automatic Withdrawal Feature
  • Allstate eSmart® discounts for paperless policyholders
  • Full payment® discounts for customers who pay their entire premium at once
  • Safe driving discount for policyholders who meet safe driving requirements

To learn more about the car insurance provider, see our Allstate car insurance review.

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