AAA is the best auto insurance company in California because of its affordable rates, reliable coverage, and great support. That higher cost of living is also reflected in auto insurance premiums; the average cost of car insurance in California is about 7% higher than the national average. The table below shows the other auto insurance companies available that offer auto insurance in California, along with their average cost per month and their average annual cost. Your car insurance premium is determined by a variety of factors, such as state, city, and even zip code.
As you can see, high-end cars, such as BMWs, generally cost more to insure than more standard brands, such as Hondas. Below is a table that shows the average car insurance rates in California for some popular vehicle makes and models at a variety of prices. Drivers often pay more for car insurance after receiving a speeding ticket because this shows that they are riskier drivers. The following rates are for California drivers of different ages who have their own auto insurance policies.
When looking at car insurance rates in California, it's a promising idea to get quotes from many firms. AAA offers auto insurance to residents of Northern California through AAA of Northern California, also called AAA NorCal or CSAA. However, California is one of the few exceptions that prohibits or limits the use of credit ratings to calculate rates. Insurers can't use your credit history or qualification to underwrite or qualify policies.
The California Department of Insurance has recently proposed regulations to mitigate the effect of discounts for like-minded groups on insurance prices. In most states, auto insurance companies can use your credit report and credit score to determine your premiums.