Question 1

Who is the cheapest car insurance in California?

Accepted Answer

The cheapest car insurance in California varies by individual circumstances. Based on average rates, USAA offers the lowest rates for military members at around $1,200/year. For the general public, Wawanesa, Mercury, and GEICO typically offer the most affordable rates, averaging $1,400-$1,600 annually for minimum coverage. However, rates depend on your driving record, age, location, and coverage needs. Always compare quotes from multiple insurers.

Question 2

Why are car insurances leaving California?

Accepted Answer

Several major insurers have limited new policies or left California due to increasing wildfire risks, rising repair costs, and regulatory challenges. State Farm and Allstate stopped writing new homeowners policies in 2023, though they still offer auto insurance. The California Department of Insurance is working on reforms to stabilize the market. Despite these changes, many insurers still operate in California, and drivers have numerous options for coverage.

Question 3

How much is car insurance in California usually?

Accepted Answer

Car insurance in California averages $2,115 per year or $176 per month for full coverage, and $665 per year or $55 per month for minimum coverage. Rates vary significantly by city: Los Angeles averages $2,500/year, San Francisco $2,300/year, while rural areas like Fresno average $1,800/year. Your actual rate depends on factors including driving record, age, vehicle type, and ZIP code.

Question 4

What is going on with California auto insurance?

Accepted Answer

California's auto insurance market is experiencing significant changes in 2024-2025. Rate increases averaging 15-20% are common due to inflation, higher repair costs, and increased accident severity. New regulations require insurers to offer discounts for certain safety features. The state is also implementing reforms to address availability issues while maintaining consumer protections. Despite challenges, California maintains strong consumer protections and competitive options.

Question 5

Is GEICO leaving California?

Accepted Answer

No, GEICO is not leaving California. While GEICO closed some physical offices in California in 2022, they continue to offer auto insurance throughout the state via online and phone sales. GEICO remains one of the largest auto insurers in California with competitive rates and full service availability. They've actually increased their market share in California's auto insurance market.

Question 6

Has State Farm left California?

Accepted Answer

State Farm has not left California for auto insurance. While State Farm stopped accepting new homeowners insurance applications in California in May 2023, they continue to offer auto insurance policies to new and existing customers throughout the state. State Farm remains one of the largest auto insurers in California with full service availability.

Question 7

What is the new law for car insurance in California?

Accepted Answer

Recent California insurance laws include: 1) Proposition 103 reforms allowing insurers to use catastrophe modeling for rate-setting (2024), 2) Required discounts for certain vehicle safety features, 3) Gender-neutral rating (since 2019), 4) Expanded coverage requirements for rideshare drivers, 5) Enhanced protections against non-renewal. The minimum liability requirements are 30/60/15 ($30,000 bodily injury per person, $60,000 per accident, $15,000 property damage) updated in 2025.

Question 8

Does Costco have car insurance?

Accepted Answer

Yes, Costco members have access to car insurance through Costco's partnership with American Family Insurance via Connect Insurance. This program offers exclusive member discounts and benefits. However, it's not available in all states, and California availability may vary by location. Members typically save an average of $600 annually, though savings vary by individual circumstances.

Question 9

What does liability insurance cover?

Accepted Answer

Liability insurance covers damages and injuries you cause to others in an accident. It includes medical expenses and repairs for the other vehicle but doesn't cover your own damages.

Question 10

Is full coverage worth it?

Accepted Answer

Full coverage (comprehensive and collision) is worth it if your car has significant value, is financed, or you can't afford major repairs. For older cars with low value, it may not be cost-effective.

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