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Californians have plenty of options when it comes to car insurance providers. Choice is great, sure, but it can making shopping for car insurance overwhelming. That’s where Clearsurance comes in. We’ve gathered thousands of car insurance reviews from different policyholders, and used those to generate rankings of the best car insurance companies in California. We’ve also included the minimum car insurance requirements needed to be a legal driver in the state.
Clearsurance is here to help you make smarter insurance decisions, making the entire process of shopping for car insurance a whole lot easier.
In this article:
Top California car insurance companies
Most popular California car insurance companies
Minimum car insurance coverage and limits in California
California’s uninsured motorist percentage
Top California car insurance companies
When you’re shopping around, it can be appealing to choose the cheapest car insurance company. But the cheapest isn’t necessarily the best. We think it’s just as important to consider a policyholder’s experiences with their company. Saving money is great, but how does the company perform when you file a claim? Clearsurance’s rankings factor in all aspects of a company’s performance, and are based on the experiences of real policyholders. Find out which California car insurance companies earned top marks from the Clearsurance community in the table below. Note: only companies with at least 25 reviews are included.
Best car insurance # of reviews CS Score
1 USAA 4062 4.70
2 Metromile 113 4.53
3 California Casualty Group 81 4.51
4 Amica Mutual Insurance Company 428 4.50
5 Cincinnati Insurance Company 74 4.40
6 Ameriprise Auto & Home Insurance 144 4.36
7 Commerce Insurance (MAPFRE) 181 4.36
8 AAA 2146 4.34
9 Automobile Club of Southern California (ACSC) 39 4.32
10 CSAA Insurance Group, a AAA Insurer 306 4.32
View More
Most popular California car insurance companies
When it comes to car insurance companies, California residents have plenty of choices. We’ve compiled a list of the top 10 most commonly chosen companies in the state, listed by market share.
2017 Market Share
State Farm Insurance Company 14.3%
Geico 9.2%
AAA 8.5%
Farmers Insurance Group 8.4%
Allstate Insurance 7.8%
Mercury Insurance Group 7.7%
CSAA Insurance Group, a AAA Insurer 7.2%
USAA 4.5%
Progressive Corporation 4.2%
Alliance United Insurance Company 2.4%
Minimum car insurance coverage and limits in California
All California drivers are legally required to purchase bodily injury and property damage liability insurance. The state’s minimum requirements, listed below, are lower than a majority of other states. Still, it’s not necessarily smart to purchase just the minimum coverage to save money. Doing so could leave you underinsured for a costly accident. You can learn more about different car insurance coverages and what the limits mean here.
Liability:
Bodily injury — $15,000 per person
Bodily injury — $30,000 per accident
Property damage — $5,000 per accident
Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.
California’s uninsured motorist percentage
California insurance companies are required to offer you uninsured motorist coverage, but you aren’t required to purchase it. Uninsured or underinsured motorist coverage offers protection in the event you are involved in an accident with a driver who either doesn’t have insurance or doesn’t have enough coverage. You can read more about coverage here. While buying the coverage would increase your premium, it may be a wise purchase. California’s percentage of uninsured drivers is 15.2 — the 12th highest in the United States, according to 2015 data from the Insurance Information Institute. That ranks higher than the 2015 national average of 13 percent.
Clearsurance is here to help you make smarter insurance decisions, making the entire process of shopping for car insurance a whole lot easier.
In this article:
Top California car insurance companies
Most popular California car insurance companies
Minimum car insurance coverage and limits in California
California’s uninsured motorist percentage
Top California car insurance companies
When you’re shopping around, it can be appealing to choose the cheapest car insurance company. But the cheapest isn’t necessarily the best. We think it’s just as important to consider a policyholder’s experiences with their company. Saving money is great, but how does the company perform when you file a claim? Clearsurance’s rankings factor in all aspects of a company’s performance, and are based on the experiences of real policyholders. Find out which California car insurance companies earned top marks from the Clearsurance community in the table below. Note: only companies with at least 25 reviews are included.
Best car insurance # of reviews CS Score
1 USAA 4062 4.70
2 Metromile 113 4.53
3 California Casualty Group 81 4.51
4 Amica Mutual Insurance Company 428 4.50
5 Cincinnati Insurance Company 74 4.40
6 Ameriprise Auto & Home Insurance 144 4.36
7 Commerce Insurance (MAPFRE) 181 4.36
8 AAA 2146 4.34
9 Automobile Club of Southern California (ACSC) 39 4.32
10 CSAA Insurance Group, a AAA Insurer 306 4.32
View More
Most popular California car insurance companies
When it comes to car insurance companies, California residents have plenty of choices. We’ve compiled a list of the top 10 most commonly chosen companies in the state, listed by market share.
2017 Market Share
State Farm Insurance Company 14.3%
Geico 9.2%
AAA 8.5%
Farmers Insurance Group 8.4%
Allstate Insurance 7.8%
Mercury Insurance Group 7.7%
CSAA Insurance Group, a AAA Insurer 7.2%
USAA 4.5%
Progressive Corporation 4.2%
Alliance United Insurance Company 2.4%
Minimum car insurance coverage and limits in California
All California drivers are legally required to purchase bodily injury and property damage liability insurance. The state’s minimum requirements, listed below, are lower than a majority of other states. Still, it’s not necessarily smart to purchase just the minimum coverage to save money. Doing so could leave you underinsured for a costly accident. You can learn more about different car insurance coverages and what the limits mean here.
California state minimum requirements:
Liability:
Bodily injury — $15,000 per person
Bodily injury — $30,000 per accident
Property damage — $5,000 per accident
Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.
California’s uninsured motorist percentage
California insurance companies are required to offer you uninsured motorist coverage, but you aren’t required to purchase it. Uninsured or underinsured motorist coverage offers protection in the event you are involved in an accident with a driver who either doesn’t have insurance or doesn’t have enough coverage. You can read more about coverage here. While buying the coverage would increase your premium, it may be a wise purchase. California’s percentage of uninsured drivers is 15.2 — the 12th highest in the United States, according to 2015 data from the Insurance Information Institute. That ranks higher than the 2015 national average of 13 percent.
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