California Auto Insurance
Protect yourself on California's roads with comprehensive auto coverage, competitive rates, and perks that go beyond standard policies.
Trusted by 523+ California drivers & families
Core Coverage Options
Essential auto insurance coverages every California driver should consider.
Bodily Injury & Property Damage Liability
Covers costs when you're at fault for injuries or damage to others. Required by California law.
Uninsured/Underinsured Motorist
Protects you if hit by a driver with no insurance or insufficient coverage.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault.
Comprehensive Coverage
Covers non-collision events: theft, vandalism, fire, weather, falling objects, and animal strikes.
Choose Your Perks
Customize your policy with valuable add-ons designed for California drivers.
New Car Replacement
If your new car is totaled within the first year, we'll replace it with a brand-new model — not just its depreciated value.
OEM Parts Guarantee
Guarantees original manufacturer parts are used for repairs, maintaining your vehicle's quality and value.
Guaranteed Repair Program
Repairs at our network shops come with a lifetime guarantee for as long as you own the vehicle.
Rental Reimbursement
Covers rental car costs while your vehicle is being repaired after a covered claim.
Towing & Roadside Assistance
24/7 roadside assistance including towing, battery jump-starts, flat tire changes, lockout service, and fuel delivery.
Rideshare Coverage
Specialized coverage for Uber and Lyft drivers to fill the gap between personal and commercial policies.
Guest Driver Policy Extension
Extends coverage to occasional drivers of your vehicle, like family members or friends borrowing your car.
Factors Influencing Your Auto Insurance Cost
Understanding what affects your premiums helps you find the best rate.
Key Cost Factors
Driving Record
Clean records earn lower premiums; accidents and violations increase rates.
Vehicle Type
Vehicle make, model, year, safety ratings, and theft risk affect your rate.
Coverage Limits
Higher limits and lower deductibles mean more protection but higher premiums.
Location
Urban areas with more traffic and theft risk generally have higher rates.
Age & Experience
Younger and newer drivers typically pay more due to less driving experience.
Credit History
In California, insurers cannot use credit scores for pricing, benefiting many drivers.
Serving California Drivers Statewide
From the freeways of Los Angeles to the coastal roads of San Francisco, we provide comprehensive auto insurance coverage for drivers across every California community.
Los Angeles Area
Comprehensive coverage for LA's diverse drivers market
- • Los Angeles
- • Long Beach
- • Glendale
- • Pasadena
- • Burbank
San Francisco Bay Area
Premium coverage for high-value Bay Area locations
- • San Francisco
- • Oakland
- • San Jose
- • Fremont
- • Santa Clara
San Diego Area
Tailored protection for Southern California's coastal markets
- • San Diego
- • Chula Vista
- • Oceanside
- • Escondido
- • Carlsbad
Central Valley
Affordable coverage for California's agricultural heartland
- • Fresno
- • Bakersfield
- • Stockton
- • Modesto
- • Visalia
Sacramento Area
Capital region coverage with competitive rates
- • Sacramento
- • Elk Grove
- • Roseville
- • Folsom
- • Davis
Inland Empire
Growing market coverage for Riverside and San Bernardino
- • Riverside
- • San Bernardino
- • Fontana
- • Moreno Valley
- • Rancho Cucamonga
Northern California
Specialized coverage for rural and mountain communities
- • Redding
- • Chico
- • Eureka
- • Ukiah
- • Yuba City
Orange County
Premium coverage for affluent Orange County markets
- • Anaheim
- • Irvine
- • Huntington Beach
- • Santa Ana
- • Newport Beach
Central Coast
Coastal protection for wine country and beach communities
- • Santa Barbara
- • San Luis Obispo
- • Monterey
- • Salinas
- • Santa Maria
North Bay
Wine country expertise for Napa and Sonoma regions
- • Napa
- • Santa Rosa
- • Petaluma
- • San Rafael
- • Vallejo
Sierra Nevada/Lake Tahoe
Mountain resort and tourism market coverage
- • South Lake Tahoe
- • Truckee
- • Mammoth Lakes
- • Bishop
- • Grass Valley
Imperial Valley
Desert agricultural region with border community coverage
- • El Centro
- • Calexico
- • Brawley
- • Imperial
- • Holtville
Get Your Free California Auto Insurance Quote
Fill out the form and our California-based team will respond within 24 hours with a personalized auto insurance quote.
Quick response — no waiting for callbacks
Compare rates from multiple A-rated carriers
Bundle home + auto for even bigger savings
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We follow strict California privacy laws and never share your details with third parties.
Get Your Free California Auto Insurance Quote
Frequently Asked Questions
What is the minimum auto insurance required in California?
California requires minimum liability limits of 15/30/5: $15,000 bodily injury per person, $30,000 bodily injury per accident, and $5,000 property damage. However, these minimums may not be enough to protect your assets — we recommend higher limits.
Does California require uninsured motorist coverage?
California law requires insurers to offer uninsured motorist (UM) coverage, but you can decline it in writing. Given that roughly 15% of California drivers are uninsured, we strongly recommend keeping this coverage.
How can I lower my auto insurance premiums in California?
You can qualify for discounts by bundling home and auto policies, maintaining a clean driving record, taking a defensive driving course, having anti-theft devices, being a good student, and choosing a higher deductible.
What happens if I'm in an accident with an uninsured driver?
If you carry uninsured motorist coverage, your own policy covers your injuries and damages. Without it, you may have to sue the at-fault driver personally or pay out of pocket — which is why UM coverage is so important.
Does my auto insurance cover rideshare driving (Uber/Lyft)?
Standard personal auto policies typically exclude rideshare driving. You need a rideshare endorsement or a commercial policy to be covered while driving for Uber, Lyft, or similar services. We offer affordable rideshare add-ons.
How does the claims process work?
After an accident, call us or file a claim online. We'll assign an adjuster, assess the damage, and guide you through repairs. With our Guaranteed Repair Program, approved repairs come with a lifetime warranty.
Can I insure multiple vehicles on one policy?
Yes, multi-vehicle policies often come with a discount. All vehicles in your household can be covered under one policy for simplified management and savings.
Have more questions? We're here to help.
Contact our insurance experts