Choosing the right car insurance provider in California can be a daunting task with so many options to choose from. While minimum liability coverage is required by law in the state, most drivers need more protection than the minimums provide. Comprehensive and collision coverage, as well as uninsured/underinsured motorist coverage, are highly recommended to properly protect yourself on California roads and highways.
When shopping for car insurance in California, it’s important to look at factors like price, financial strength of the insurer, customer satisfaction ratings, coverage options and discounts offered. Picking among the top insurers in the state can help ensure you get the best rate along with reliable protection.
To help California drivers make an informed decision, here is a look at five of the top car insurance providers in the state for 2023:
As the largest auto insurer in the country, State Farm provides extensive coverage options and competitive rates to California drivers. Policyholders can save by bundling home and auto insurance. Other discounts like safe driver, good student, anti-theft and defensive driving can also help lower premiums. State Farm has a solid reputation for customer service and a claims satisfaction rating of 89 according to J.D. Power studies. With nearly 20,000 agents nationwide, State Farm makes it easy to get quotes and talk to an agent in person.
Known for clever advertising and low rates, GEICO is another excellent choice for California drivers. GEICO offers an array of discounts and rewards safe driving practices. The company has high marks for customer satisfaction and claims handling. GEICO allows customers to start a policy online or over the phone in minutes. The insurer has local agents available if you need help with your policy. GEICO also offers mechanical breakdown insurance and rental reimbursement coverage.
Ranking high in national customer satisfaction studies, Allstate delivers reliable protection with plenty of available discounts in California. Customers can save by insuring multiple vehicles and signing up for anti-theft devices and safe driving programs. Allstate offers accident forgiveness and new car replacement coverage for qualifying policyholders. Their Drivewise program can help analyze your driving habits to determine your rate. Experienced local agents are available to help you select the right insurance products.
Mercury Insurance specializes in affordable coverage for California drivers with personalized service. Online quotes take only a few minutes to complete. Discounts are offered for safe drivers, anti-theft devices, anti-lock brakes, good students and multi-policy households. Mercury allows customers to pay premiums monthly, quarterly or in full. Policyholders can also save by raising deductibles. Mercury has an A+ rating from the Better Business Bureau.
For superior roadside assistance and strong financial stability, AAA is a leading choice. Membership provides perks like free towing, travel planning and DMV services. AAA insurance is only available to members. Drivers can often save by insuring multiple vehicles and taking advantage of other discounts. Rates are low for drivers with clean records. AAA offers accident forgiveness and has high customer satisfaction scores. Members appreciate the reliability of AAA’s roadside assistance when accidents happen.
Choosing the right auto insurance provider depends on your budget, coverage needs and what features are most important to you. Comparing multiple free quotes can help you find the perfect balance of price and service. Pay close attention to ratings for financial strength and customer satisfaction. Go with a company that has a solid reputation with California drivers.
Any of these top five auto insurers offer the opportunity to get comprehensive coverage and leading customer service. Starting your quote process online makes it easy to compare offerings. Local agents are also available for personalized advice on tailoring a policy to your specific situation. With a little research, you can pick the perfect insurance company to keep you protected on the highway.