Based on our research, USAA and Mercury Insurance tend to offer the cheapest car insurance for 18-year-old California drivers. Geico, State Farm and Progressive can also be good options for affordable coverage. Drivers often pay more for car insurance after receiving a speeding ticket because this shows that they are riskier drivers. The California Department of Insurance has recently proposed regulations to mitigate the effect of discounts for like-minded groups on insurance prices.
Insurers use your age, location, driving history and credit score to determine the cost of your car insurance. California drivers who had an accident pay twice as much for car insurance as a good driver without previous accidents. The table below compares the discounts offered by the best cheap auto insurance companies in the Golden State, which we'll discuss in more detail below. Geico also offers insurance against mechanical breakdowns, which is similar to an extended warranty and can cover your car if a part fails due to normal use.
The company also offers eight discounts on auto insurance and additional insurance options, including mechanical protection coverage. Several factors will determine the final price you'll pay for auto insurance coverage in the Golden State. The following sections provide estimates of the cheapest car insurance rates for drivers who may fall into one of these categories. The cost of car insurance in California is well above the national average, so drivers should consider auto insurance discounts to lower their premiums.
If you've had trouble finding affordable car insurance coverage from other providers because of your driving history, you can find more favorable rates at Mercury. The Guides Auto team researched the best car insurance in California to provide you with a list of the top five providers that offer affordable coverage in the state. In addition to standard coverage, you can add options such as roadside assistance, rental vehicle reimbursement, and coverage for classic vehicles. Mercury offers the cheapest full-coverage car insurance quotes for California drivers who caused a car accident.
Younger drivers are much more likely to be involved in car accidents, which is why they tend to pay higher insurance costs than drivers in other age groups.