In addition to the lowest full coverage rates for typical adults with a clean record, GEICO is also the cheapest for married drivers and seniors. In California, GEICO is only available online or through its smartphone app. CSAA and Mercury have the cheapest car insurance for young drivers in California, while State Farm and GEICO offer the lowest total coverage rates for teens. Young drivers typically get a lower rate on car insurance when added to their parent's policy than when they're alone.
Liability insurance covers the costs of medical treatment and repairs to other people's cars because of an accident you cause. CSAA and GEICO offer the cheapest car insurance to California drivers with a previous fine or accident, while Mercury and GEICO offer the cheapest rates to drivers with a DUI. California uses an online system to check the status of your car insurance and follows comparative fault laws to resolve claims for injuries and damages from car accidents. GAP insurance is purchased from insurance companies, while dealers and financial companies offer GAP exemptions.
Full-coverage car insurance includes liability limits that exceed the state's minimum requirements, as well as collision coverage and comprehensive coverage. Teens are charged the highest car insurance rates of all age groups, because they have the highest accident rates. Most car insurance companies believe that married people are less likely to be involved in car accidents than single drivers. For example, if you are responsible for 25% of a car accident, the driver who is primarily at fault may only have to cover 75% of your medical and car repair bills.
GEICO offers the cheapest full-coverage auto insurance in California, beating CSAA and Progressive for the best price. The difference in incidents for each age group is often why younger drivers pay more for car insurance. The California Low-Cost Auto Insurance Program (CLCA) offers affordable car insurance to good drivers and new drivers who meet income requirements.