Cheap Car Insurance California | SR22 Quotes
Compare real quotes from 30+ top California insurers in just 5 minutes. Save up to $500/year on car insurance. SR-22, DUI, and high-risk specialists.
Compare Quotes & Save
Compare rates in just minutes
By continuing, you agree to our Privacy Policy and Terms & Conditions
Secure & Encrypted
Your information is protected
Highly Rated Service
4.9/5 stars from surveyed users
Compare Multiple Quotes
Access quotes from 30+ insurance carriers
Fast & Free
Get quotes in less than 5 minutes with no obligation
Get quotes from trusted insurance companies to save big!
Compare rates from California's top-rated insurance providers
California Insurance Solutions
Find the perfect coverage for your needs
Save up to $500/year on your car insurance
- Compare Quotes & Save
- Compare rates in just minutes
- Get Quote
California's #1 Insurance Marketplace
30+ Carriers • Instant Quotes • Save Big
How Our Comparison Service Works
Compare quotes from multiple carriers in 4 simple steps
Enter Your Details
Provide basic information about yourself and your vehicle
Compare Quotes
Instantly see quotes from multiple top insurance carriers
Choose Coverage
Select the policy that fits your needs and budget
Save Money
Start saving immediately with your new policy
What are California's minimum auto insurance requirements?
California requires all drivers to maintain minimum auto insurance coverage of $30,000/$60,000 for bodily injury liability, $15,000 for property damage liability, and uninsured motorist coverage. These requirements are mandatory as of 2025.
California Minimum Auto Insurance Requirements (2025)
| Coverage Type | Minimum Required | |
|---|---|---|
| Bodily Injury (per person) | $30,000 | |
| Bodily Injury (per accident) | $60,000 | |
| Property Damage | $15,000 | |
| Uninsured Motorist Bodily Injury | $30,000/$60,000 | |
| Uninsured Motorist Property Damage | $3,500 |
How to Get Cheap Car Insurance in California
California drivers can reduce insurance costs by comparing quotes from multiple carriers, maintaining good credit, bundling policies, choosing higher deductibles, and asking about available discounts. These strategies typically save drivers $200-$500 annually.
- 1.Compare Multiple QuotesGet quotes from at least 5-7 insurers to find the best rates - can save $200-$500 annually
- 2.Bundle Your PoliciesCombine auto with home or renters insurance for multi-policy discounts up to 25%
- 3.Maintain Good CreditCalifornia allows credit-based insurance scoring - excellent credit can reduce rates by 30%
- 4.Choose Higher DeductiblesIncreasing from $500 to $1,000 deductible can save 15-30% on comprehensive and collision premiums
- 5.Ask About DiscountsGood driver (10-15%), good student (10-15%), military (5-15%), and safety feature discounts available
- 6.Take Defensive Driving CourseCalifornia-approved defensive driving courses can reduce premiums by 5-10% for mature drivers
How much does car insurance cost in different California cities?
Car insurance costs vary significantly across California cities in 2025. Los Angeles has the highest average annual cost at $2,190, while Fresno offers the most affordable rates at $1,698 per year.
Average Annual Car Insurance Cost in California Cities (2025)
| City | Average Annual Cost | vs State Average | |
|---|---|---|---|
| Los Angeles | $2,190 | +18% | |
| San Francisco | $1,962 | +6% | |
| San Diego | $1,844 | -1% | |
| Sacramento | $1,716 | -8% | |
| Fresno | $1,698 | -9% | |
| Oakland | $2,045 | +10% | |
| San Jose | $1,823 | -2% | |
| Long Beach | $2,156 | +16% |
What factors affect car insurance rates in California?
California car insurance rates are primarily influenced by driving record, age, location, credit score, and vehicle type. Drivers with clean records in rural areas typically pay 40-50% less than high-risk urban drivers. The most significant factor is driving history, which can increase rates by 40-100% for violations.
Factors That Affect Your California Car Insurance Rates (2025)
| Factor | Impact on Rate | Typical Change | |
|---|---|---|---|
| Driving Record | High Impact | +40% to +100% for violations | |
| Age | High Impact | Teens pay 2-3x adult rates | |
| Credit Score | Medium Impact | Poor credit +67% avg | |
| ZIP Code | High Impact | Urban +50% vs rural | |
| Vehicle Type | Medium Impact | Luxury/sports +20-40% | |
| Coverage Level | High Impact | Full coverage 2-3x liability | |
| Annual Mileage | Low Impact | +3% per 5,000 miles | |
| Marriage Status | Low Impact | Married drivers -5% to -10% |
What is the cheapest car insurance in California?
Is $200/month for car insurance good in California?
What happens if you drive without insurance in California?
How much can I save on car insurance in California?
What car insurance do most Californians use?
Why ChooseQuoteMoto
California's premier insurance comparison service with the best rates
California Insurance Specialists
We specialize in California insurance laws and requirements to find you the best coverage for your specific needs.
Save Up to $427 Annually
Drivers who compare save an average of $427 per year by finding better rates from the 30+ carriers we compare.
Fast, Free, No Obligation
Get quotes in just 5 minutes with no obligation and no hidden fees.
Explore Our Resources
Find everything you need to make informed decisions about your California car insurance
