Actual Yearly Savings
  • Brittany stitch
  • $1800
  • Feb 18, 2017
  • Simon boadi
  • $1440
  • Feb 6, 2017
  • Joshua
  • $1560
  • Jan 18, 2017
  • Vanessa
  • $1404
  • Jan 6, 2017
  • Daniel
  • $600
  • Jan 1, 2017
  • Ariwah
  • $204
  • Dec 30, 2016
  • Aaron
  • $1200
  • Dec 30, 2016
  • Richard
  • $600
  • Dec 29, 2016
  • Jenaye
  • $1800
  • Dec 28, 2016
  • Gerals
  • $3600
  • Dec 27, 2016
  • Boris
  • $600
  • Dec 24, 2016
  • Ahmed
  • $100
  • Dec 18, 2016
  • Patrick
  • $600
  • Dec 17, 2016
  • Matthew gilmore
  • $300
  • Dec 12, 2016
  • Michael desmond
  • $3600
  • Dec 9, 2016
  • Ganesan
  • $100
  • Dec 9, 2016
  • Mamacita
  • $100
  • Dec 8, 2016
  • Nwaigwe
  • $1125
  • Nov 28, 2016
  • Atif ur rehman
  • $360
  • Nov 23, 2016
  • Zack
  • $1920
  • Nov 8, 2016
  • Brandon
  • $1800
  • Oct 2, 2016
  • Alex
  • $198
  • Aug 10, 2016
  • Kylah
  • $2400
  • May 2, 2016
  • Linda
  • $1200
  • Jul 4, 2015
  • Desi
  • $1200
  • Jun 22, 2015
  • Crystal
  • $300
  • Jun 22, 2015
  • Amer
  • $480
  • Jun 5, 2015
  • Jasmine
  • $2400
  • Jun 4, 2015
  • Ted
  • $120
  • May 15, 2015
  • Jeremiah
  • $1200
  • May 13, 2015
  • Cody
  • $1200
  • Apr 28, 2015
  • Arthur
  • $1500
  • Mar 19, 2015
  • Michael
  • $800
  • Mar 4, 2015
  • Babiisasha
  • $910
  • Mar 2, 2015
  • Alex
  • $516
  • Mar 2, 2015
  • Tushar
  • $2400
  • Feb 28, 2015
  • Tim
  • $300
  • Feb 28, 2015
  • Kristina
  • $1200
  • Feb 21, 2015
  • Santos
  • $1000
  • Jan 30, 2015
  • Janine
  • $1200
  • Jan 21, 2015
  • Matt
  • $150
  • Jan 16, 2015
  • Denise
  • $2100
  • Jan 9, 2015
  • Tammie
  • $1800
  • Dec 12, 2014
  • Denise
  • $1800
  • Dec 8, 2014
  • Nidia
  • $960
  • Dec 7, 2014
  • Debora
  • $240
  • Dec 4, 2014
  • Christian
  • $1200
  • Nov 26, 2014
  • Meghan
  • $1080
  • Nov 9, 2014
  • Robert
  • $3000
  • Nov 8, 2014
  • Gary
  • $1000
  • Oct 24, 2014

Our Commitment

We Stand Behind Our Commitment to do our Best to get You the Lowest Rates Online. Getting cheap auto insurance quotes is so easy now.

One Good Reason to Shop With Us

"After being with my insurance company for just shy of 10 years, and after having shopped


at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."


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Cheapest Car Insurance in California (CA)

Dominating the west coast of the United States, California’s beaches, national forests and Hollywood stardom continue to make it one of the most visited states in the U.S. Driving the length of California can take a full 17 hours, and the famous Route 1’s beaches and ocean-front cliffs make the hours fly by. Home to several of the nation’s most populated cities, driving in urban California can be stressful and hazardous. This list of useful information for drivers has been compiled by to help drivers enjoy their driving experience in the 49er state.


Car Insurance Quotes for California

County Sedan Suv Coupe Truck Hybrid
Los Angeles$1,864.00$1,818.00$2,158.00$2,026.00$2,109.00

County Sedan Suv Coupe Truck Hybrid
San Diego$1,394.00$1,365.00$1,618.00$1,534.00$1,588.00

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
San Bernardino$1,566.00$1,526.00$1,816.00$1,711.00$1,784.00

County Sedan Suv Coupe Truck Hybrid
Santa Clara$1,400.00$1,368.00$1,632.00$1,528.00$1,596.00

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Contra Costa$1,488.00$1,447.00$1,729.00$1,626.00$1,700.00

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Contra Costa$1,488.00$1,447.00$1,729.00$1,626.00$1,700.00
Del Norte$1,240.00$1,210.00$1,452.00$1,368.00$1,429.00
El Dorado$1,405.00$1,362.00$1,624.00$1,531.00$1,594.00
Los Angeles$1,864.00$1,818.00$2,158.00$2,026.00$2,109.00
San Benito$1,366.00$1,354.00$1,610.00$1,522.00$1,586.00
San Bernardino$1,566.00$1,526.00$1,816.00$1,711.00$1,784.00
San Diego$1,394.00$1,365.00$1,618.00$1,534.00$1,588.00
San Francisco$1,738.00$1,694.00$2,036.00$1,898.00$1,986.00
San Joaquin$1,584.00$1,534.00$1,826.00$1,726.00$1,800.00
San Luis Obispo$1,153.00$1,124.00$1,338.00$1,260.00$1,314.00
San Mateo$1,430.00$1,380.00$1,653.00$1,546.00$1,617.00
Santa Barbara$1,198.00$1,169.00$1,385.00$1,306.00$1,361.00
Santa Clara$1,400.00$1,368.00$1,632.00$1,528.00$1,596.00
Santa Cruz$1,308.00$1,288.00$1,534.00$1,444.00$1,504.00
Yuba$1,390.00$1,354.00$1,615.00$1,524.00$1,585.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums. shows a mixed relationship between the national average and California’s insurance premiums. While currently both average premiums and average premiums as a percentage of income are below the national average.

Drunk Driving Fatalities

Drunk driving fatalities in California indicate a flat trend compared to the national average. The National Highway Traffic Safety Administration revealed that California has remained steadily below the national average since 2013.

Vehicular Theft in California

Vehicle thefts in California were well above the national average, according to an annual study conducted by the FBI. California’s number of thefts has been dropping since 2013.


California hosts an increasingly wide variety of ethnic groups and peoples. The differing languages and cultures reflect the sometimes confusing blend of insurance laws and regulations. To help sort through the information, the following list covers the important key points.

Minimum Requirements for Car Insurance in California

  • California drivers must be insured with a minimum liability insurance plan according to the California State Insurance Department.
  • California Liability Coverage minimums include:
    • $15,000 for an accident involving the death or injury of a single person.
    • $30,000 for an accident involving the death or injury of multiple people.
    • $5,000 for an accident involving property damage.
  • Failure to provide proof of insurance can result in vehicle impoundment, suspension of registration and/or suspension of drivers license.

New Driver Licensing Requirements

All drivers, and all residents who have lived in California for more than 10 days, are required to have a valid drivers license. The California Department of Motor Vehicles (DMV) outlines three tests that must be passed to obtain a regular California drivers license.

  • Vision Test. To pass the vision test, an applicant must be determined to have a vision accuity of 20/40 or greater. If the applicant fails, certain circumstances allow a referral to an eye specialist to be prescribed corrective lenses.
  • Written Test. The written test consists of 30 questions pertaining to traffic signs and laws. The California DMV provides a practice test which can be accessed at Upon successful completion of the written and vision tests, the DMV will issue the applicant a permit to allow him/her to practice driving. While driving with the permit, the applicant must be accompanied by a licensed driver age 18 years or older.
  • Road Test. To successully be admitted to the road test, the applicant’s vehicle must be in proper driving order and meet the necessary requirements listed on the California DMV’s website. The test administrator will evaluate the driver in the following areas:
    • Safely starting the vehicle
    • Moving forward
    • Stopping
    • Backing
    • Changing lanes
    • Freeway driving
    • Defensive driving
    • Turns
  • Pay a License Fee. A $30 fee is assessed for a new driver and a renewal application.
  • Drivers Under the Age of 18. Applicants between the ages of 15 1/2 years and under 18 can obtain a provisional permit. The California DMV requires a parent or guardian signature on the application. To take the road test, the applicant must not only have passed the vision and written tests, they must have held their permit for 6 months, have completed a driver education course, have completed 6 hours of professional driving training and completed 50 hours of driving training with a licensed driver 25 years of age or older. This must include 10 hours of night driving.


  • BAC limit: .08 California DUI convictions remain on a driver’s record for 10 years, and each offense results in a suspension of the driver’s license effective 30 days after the initial violation.
  • License suspension of 1 year on the first offense and each subsequent offense is a deterrent to drunk driving. In addition to the re-instatement fees, California law enforces severe penalties that vary according to the seriousness of the offense.
  • California’s Zero Tolerance Law targets drivers under 21 years of age. Under this law, the first offense will result in a 1 year license revocation, completion of DUI school and multiple fines.
  • There is a drivers license re-issue fee for all drivers involved in DUI. For a list of the fees visit the California DMV’s fees page on their website.

Texting & Driving Laws reports that all drivers are banned from handheld devices and from texting. Additionally, all cell phone use is banned for novice drivers and bus drivers.

Unique Laws

While enjoying your fun-filled vacation in California, keeping in mind a few interesting laws will keep you out of trouble. For instance, in Hermosa Beach, it is illegal to spill your margarita on the roadway. It is also illegal to use the roadway for a bed in Eureka, and it is strictly prohibited to plant rutabagas in the road in Chico!


State Department of Insurance

California Department of Insurance
300 S. Spring St., South Tower
Los Angeles, CA 90013
800-927-HELP (4357)
or 213-897-8921
Get directions

Department of Transportation

California Department of Transportation
1120 N St.
Sacramento, CA 94273
(916) 654-5266
Get Directions

Department of Motor Vehicles

California Department of Motor Vehicles
2415 1st Ave., Mail Station C254
Sacramento, CA 95818-2606
(501) 682-4692
Get Directions

See rates for these popular cities

Largest cities:
Los Angeles
San Francisco