Not all companies are covered in our rate estimates, and some insurance providers may rank differently from their star ratings. This variation is because our ratings reflect nationwide factors, while our rankings focus specifically on the best car insurance options for California residents.
#1 Geico Insurance: Ideal for Basic Coverage
Full Coverage Auto Insurance Cost: $147 per month, $1,758 per year
Minimum Liability Auto Insurance Cost: $40 per month, $482 per year
California Customer Service Rating: 830/1,000
Claims Satisfaction Rating: 871/1,000
Geico stands as one of the largest auto insurers in the U.S., boasting over $38 billion in premiums in 2022, according to the National Association of Insurance Commissioners (NAIC). Known for its competitive rates, Geico offers some of the lowest premiums in California, making it an excellent choice for basic coverage. With an A+ rating from the Better Business Bureau (BBB) and strong scores from J.D. Power’s 2023 Auto Insurance Study, Geico is a reliable option for cost-effective car insurance.
#2 State Farm Insurance: Best Overall Coverage
Full Coverage Auto Insurance Cost: $216 per month, $2,586 per year
Minimum Liability Auto Insurance Cost: $67 per month, $805 per year
California Customer Service Rating: 826/1,000
Claims Satisfaction Rating: 891/1,000
State Farm excels in offering comprehensive coverage with benefits tailored for young drivers and students, including the Steer Clear® program that promotes safe driving. Its high liability coverage limits, up to 500/500/500, exceed California’s minimum requirements, providing extensive protection. Additional features include rental car coverage, roadside assistance, and rideshare insurance, making State Farm a well-rounded choice.
#3 Farmers Insurance: Top for Coverage Options
Full Coverage Auto Insurance Cost: $180 per month, $2,163 per year
Minimum Liability Auto Insurance Cost: $59 per month, $712 per year
California Customer Service Rating: 810/1,000
Claims Satisfaction Rating: 878/1,000
Farmers Insurance, a long-established player in the auto insurance market, offers extensive add-on options like new car replacement and accident forgiveness. It provides numerous discounts for students, homeowners, and those with clean driving records. These flexible coverage options make Farmers a strong contender for those seeking comprehensive, customizable insurance.
#4 Liberty Mutual Insurance: Best for Customization
Full Coverage Auto Insurance Cost: Not Available
Minimum Liability Auto Insurance Cost: Not Available
California Customer Service Rating: Not Ranked
Claims Satisfaction Rating: 866/1,000
Liberty Mutual stands out for its flexibility and diverse discount opportunities, particularly beneficial for teens and military personnel. Discounts are available for multiple vehicles, vehicles with advanced safety features, and connections through alumni or professional groups. Though specific cost data is unavailable, the variety of customizable options makes Liberty Mutual a valuable choice for personalized coverage.
#5 Allstate Insurance: Best for Personal Service
Full Coverage Auto Insurance Cost: $204 per month, $2,450 per year
Minimum Liability Auto Insurance Cost: $64 per month, $765 per year
California Customer Service Rating: 816/1,000
Claims Satisfaction Rating: 882/1,000
Allstate differentiates itself with a network of local agents, ideal for those who value face-to-face service. With an A+ rating from AM Best and the BBB, Allstate ensures reliable financial strength and customer satisfaction. Discounts for bundling with home or renters insurance further enhance its appeal, making Allstate a strong option for those seeking personalized, in-person support.