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Get Cheap Car Insurance in California, MD
We monitor insurance prices, helping the average driver in California save up to 26.9% on car insurance.
The Cheapest Minimum Coverage in California
The chart below shows the cheapest car insurance company in California for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Erie Insurance, Travelers, and Safeco Insurance.
| California Insurer | Monthly Cost |
|---|---|
| State Farm | $83 |
| Erie Insurance | $84 |
| Travelers | $96 |
| Safeco Insurance | $99 |
Savings for Every Kind of California Driver
Based on our extensive insurance data, we know the average California driver will save about 19% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $332 per year by choosing the right vehicle insurance company. Some California residents are paying out over $1,786 extra every year for auto insurance in California. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
California, MD Savings / Yr. |
|---|---|
$332 |
|
$312 |
|
$363 |
|
$586 |
|
$1,127 |
|
$201 |
|
$787 |
California Car Insurance vs. Maryland
People living in California pay an average of 3.63% less than the typical driver in the state. The average driver in California can expect to pay about $1,217 per year, or $1,786 for full coverage.
Based on our analysis, MetLife will be the cheapest provider in California for most people.
Car Insurance Prices by California Neighborhood
Insurance Prices
Where is insurance cheapest within California?
The map shows insurance prices in and around California, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $116 per year within the city boundaries, with insurance premiums ranging from a high of $1,864 to a low of $1,748. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northeast parts of California.Pick the Best Car Insurance Company for You in California
The best car insurance provider for most drivers in California
For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $332 over the average California car insurance company.
The best car insurance provider for California drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $312 over the competition.
The best car insurance company for California drivers with speeding tickets
>Erie Insurance gave the average person with a speeding ticket the most savings, averaging $363 better than other car insurance companies.
The best auto insurance for California drivers with a DUI conviction
Getting a quote from Erie Insurance may cost the average person with a DUI about $586 less each year.
The least expensive car insurance company for new and young drivers in California
In California, Erie Insurance costs young drivers $1,127 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in California
State Farm gave the largest car insurance discounts to married couples, averaging $201 saved each year compared to an average California couple's premiums.
The cheapest car insurance in California for drivers with bad credit
The best California car insurance company for customer service
Nationwide was the best company for customer service in California according to the NAIC.
Recent price drops
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The cheapest large national provider in California
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average California driver can expect to pay about $133 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In California, USAA has the best prices for drivers with a DUI conviction, drivers with bad credit, drivers with accidents, married couples, drivers with speeding tickets, young drivers, and good drivers.Auto Insurance Prices in and Around California
What Influences the Cost of Car Insurance in California?
On average, car insurance in California is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in California is 34 minutes, which is a little less than average for a driver in the state.
- Maryland state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in California are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- California has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in California is $101 per month for minimum coverage and $149 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Great Mills: Insurance costs 3.25% more
- Callaway: Insurance costs 0.34% more
- Hollywood: Insurance costs 1.23% more
- Solomons: Insurance costs 2.13% less
- Dowell: Insurance costs 4.70% less
- Patuxent River: Insurance costs 2.18% more
- Lexington Park: Insurance costs 4.03% more
- Helen: Insurance costs 2.63% more
- Leonardtown: Insurance costs 0.95% more
- Potomac Shores: Insurance costs 0.62% less
Cities with Similar Populations
- Raymondville: Insurance costs 2.46% less
- Glendale: Insurance costs 34.55% less
- Globe: Insurance costs 4.59% less
- Hamilton Square: Insurance costs 1.46% less
- Hartwell: Insurance costs 2.69% less
- Harvard: Insurance costs 17.81% less
- Hazlehurst: Insurance costs 7.89% less
- Highland Springs: Insurance costs 25.59% less
- Hopkins: Insurance costs 3.92% less
- Punxsutawney: Insurance costs 23.91% less