Below are recommendations for insurance coverage based on your area’s accident and insurance data. All DecisionData.org recommendations are based on California data and estimates. The best insurance options for you may vary based on your personal driving record and finances.

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Accidents per Person

California

~13 per 1,000 people

USA

~17 per 1,000 people

Should I get cheap car insurance in California?

Maybe. California ranks #38 out of 51 for most accidents per person. This estimate suggests that cheap car insurance may be a good idea based on the far below average rate of accidents. We recommend you consider low-deductible plans and providers known for low premiums. See providers below for more help.

Accidents per Mile

California

~1.5 per million miles

USA

~1.8 per million miles

How much liability coverage should I get?

Probably about the minimum. Californians drive an average of 8,578 per person in the state, which is below the national average of about 9,490. Whether due to long commutes, weather conditions, or bad roads, Californians on average get in less accidents per mile driven. Consider your commute, and think about slightly lower liability coverage.

Uninsured drivers

California

14.7% uninsured

USA

12.6% uninsured

Should I get comprehensive or liability-only insurance?

Consider comprehensive insurance, also known as standard insurance. California ranks 13th highest in the nation for uninsured drivers. Because there are far more uninsured drivers in California, you may want to choose comprehensive insurance, even if your car is paid for and can be replaced without financial strain.

Insurance Cost in California

Based on the data above, we estimate California is 24th out of 51 in affordability. Cheap insurance can be found, but only with tradeoffs in service.

Note on data bars above: The top of each red bar above is the highest value in any state, and the bottom is always 0.

 

Insurance Providers in California

Provider Benefit summary Customer Rating Purchase link
Geico Low pricing, but sub-par service [star rating=”3″] View plans
Nationwide The best coverage and satisfaction most customers can get; higher premiums [star rating=”4″] View plans
State Farm Good customer service and repair handling; moderate premiums [star rating=”3″] View plans
USAA Superior overall service and pricing – but only available to military members and their families [star rating=”5″] View plans
Progressive High settlement values; low premiums; fair customer service [star rating=”3″] View plans
Allstate Good appraisal process and car rental handling; higher-than-average price [star rating=”3″] View plans
esurance No benefit above average – not recommended [star rating=”2″] View plans
Liberty Mutual Slightly above average in all areas, very high premiums [star rating=”3″] View plans

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Additional sources