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Cheap Car Insurance in California

Everything You Need to Know About Auto Insurance in California

California, also known as the Golden State, has so much to offer for your next short or long adventure. Picture yourself strolling along the iconic Golden Gate Bridge in San Francisco or lounging on the sun-kissed beaches of Los Angeles.

With its mild climate and landscapes, California is perfect for exploring national parks like Yosemite and Joshua Tree. And let’s not forget about Hollywood! Experience the glamor of this famous neighborhood and visit museums like the Getty Center. And when it comes to food, California’s melting pot of cultures means you can indulge in an array of culinary delights. So, whether you’re planning a vacation or considering a move, California is the place where you can truly enjoy the best of both worlds.

To fully immerse yourself in the California experience, you need outstanding car insurance for legal and stress-free driving. The dedicated team at Acceptance is here to help you find the perfect coverage at the most competitive rates. Contact them and start driving with absolute peace of mind!

How Much Does Car Insurance in California Cost?

In the Golden State, car insurance costs tend to be higher than the national average. The average annual premium for full coverage is $2,701, surpassing the national average of $2,014. For minimum coverage, California drivers pay an average of $650 per year, slightly more than the national average of $622.

Your insurance cost depends on factors like your driving history and age. To get the best rates, maintain a clean record and drive responsibly. Take advantage of discounts and contact Acceptance for affordable coverage that meets your needs.v

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What Is the Average Premium for Cheap Full Coverage Car Insurance in CA?

The average monthly cost for a full coverage policy in California is $172. This type of policy includes liability insurance, as well as comprehensive and collision coverage. If your vehicle is financed, your lender will likely require you to have full coverage. However, many who own their vehicles outright choose full coverage because it provides greater financial protection compared to the basic liability of minimum coverage.

How Much Does Liability Insurance or Minimum Required Auto Coverage Cost in CA?

When it comes to car insurance in California, the average rate for the mandatory minimum liability coverage is $61 per month. It may seem like a good deal, but choosing the cheapest coverage can leave you vulnerable if you don’t have enough savings to cover yourself and others in an accident you cause.

In this state, if you cause an accident, your basic liability coverage will help pay for the other driver’s injuries and damages up to your policy limits. But it won’t cover your own expenses. That’s why many drivers opt for additional insurance to protect themselves. Without proper protection, you could end up facing unexpected financial burdens if you’re at fault.

Consider getting uninsured motorist coverage or underinsured motorist coverage. These optional add-ons can help cover your costs if you’re in an accident caused by an uninsured driver, a hit and run, or someone with inadequate insurance. How do Rates Compare Across California’s Major Cities.

How do Insurance Rates Compare Across California’s Major Cities

The Golden State is known for its populous cities like Los Angeles, San Diego, and Fresno, as well as its rural areas. When it comes to car insurance, your location can have an impact on your premiums. Here is a look at the average monthly insurance costs in different parts of California.

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City Full Coverage I Liability  Coverage
San Jose $172 $49
Long Beach $190 $55
San Diego $173 $45
Fresno $181 $51
San Francisco $231 $64
Sacramento $223 $63
Oakland $185 $50

Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

What are Some Car Insurance Discounts in California?

Finding ways to save on car insurance is always a smart move! Talk to your independent agent about any available discounts for which you may qualify.
Here are some popular car insurance discounts in California to explore:

  • Bundling: Combining multiple policies (such as your car and homeowners insurance) with one insurer can lead to significant savings.
  • Good driver: If you have a clean driving record, you may be eligible for the best rates
  • Good student: Full-time students with a strong GPA may be eligible for a discount that can help reduce the high insurance costs for young drivers.
  • Low mileage: If you don’t drive a lot, you may be eligible for a discount based on your lower mileage.
  • Defensive driving course: Completing an online or in-person defensive driving course may earn you a special discount.

Remember to check back with your agent if your circumstances change, such as retiring or starting to work from home. They can help you determine if you qualify for additional discounts.

California Car Insurance Laws

The safety of drivers on the road is the top priority of California car insurance laws. Secondly, these laws aim to establish a fair pricing balance between insurance providers and policyholders.

California drivers have various ways to feel protected by the law. The Good Driver Discount, as mentioned earlier, is significant in promoting both financial savings and safe driving habits. Additionally, as outlined below, there are mandatory policy requirements that ensure drivers are protected from others on the road.

However, it is unfortunate that some drivers choose to violate California law by driving without insurance. By being responsible and well-informed, drivers can understand the importance of mandated protection and the reasons why it is crucial for everyone to follow the rules.

What are Mandatory Vehicle Insurance Requirements in California?

According to the California Department of Motor Vehicles, California law requires drivers to have liability insurance. This type of insurance compensates others for personal injury or property damage in covered events. The minimum liability insurance requirements in the Golden State are:

  • $15,000 for bodily injury/death to one person
  • $30,000 for injury/death to more than one person
  • $5,000 for property damage

Having only the minimum liability coverage can sometimes leave you underinsured. If you cause an accident and the costs exceed your policy limits, you’ll be responsible for paying out of pocket and may even face legal action. To provide better financial protection, consider increasing your liability coverage or purchasing collision and comprehensive insurance.

Car Insurance FAQs

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What Happens if You are Caught Driving Without Insurance in CA?

Driving without car insurance in California can result in fines, license suspension, and vehicle impoundment. Insurance companies must report policy changes to the DMV.

  • Penalties include a first offense fine ranging from $100 to $250, penalty assessments, and possible vehicle impoundment.
  • Subsequent offenses can lead to a fine of $200 to $500, penalty assessments, and possible vehicle impoundment.
  • Note that penalty assessments can significantly increase the fine amount. Ensure you have proper car insurance to avoid these consequences.

What Factors Does California Law Allow in Determining Your Insurance Premiums?

California law allows insurance companies to consider various factors when determining your car insurance premiums. These factors include age, education and occupation, marital status, zip code, car type, and driving history.

The best way to find affordable auto insurance coverage is by comparing quotes, switching insurance companies, and exploring available discounts. You can also apply our 4 tips that will help you choose the best car insurance coverage. Remember to be proactive in order to improve your premiums.

Am I Required to Report an Accident in California to Authorities?

If anyone was injured or killed, or if there was damage exceeding $1,000, you are obligated to report a motor vehicle accident to the California DMV within 10 days. This includes even minor accidents, as the threshold for reporting is set quite low. To fulfill this requirement, you will need to submit an SR-1 form to the California DMV. You can access the form here.

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What is Driving in California Like?

Driving in the state of California can be quite eventful. With its bustling cities like Los Angeles, San Francisco, and San Diego, traffic congestion is a common occurrence. Additionally, California’s diverse climate can present its own set of difficulties. From heavy rainstorms to foggy conditions, it’s important to stay vigilant and adapt your driving to the ever-changing weather. With reliable auto insurance, you can have peace of mind knowing you are protected while navigating the beauty and challenges of driving in California.

How Many Car Accidents Happen in California?

Based on the data provided by the California Office of Traffic Safety, the state has witnessed a disturbing surge in traffic fatalities. In 2021, the number of traffic-related deaths rose by approximately 7.6%, increasing from 3,980 fatalities in 2020 to 4,285. Fatalities attributed to alcohol-impaired driving soared by 16%, resulting in a staggering 1,370 deaths.
Tragically, pedestrian fatalities experienced an alarming 9.4% increase, reaching a total of 1,108 deaths. However, there was a glimmer of hope as bicycle fatalities decreased by 8%, amounting to a total of 125 deaths for the year.

How Many Drivers are Uninsured/Underinsured Motorists in CA?

California ranks 10th in the United States for having a high percentage of uninsured drivers, standing at 16.6% according to the Insurance Information Institute. This means that nearly 1 in 6 drivers on California roads do not have auto insurance coverage. Don’t leave yourself vulnerable on the road – get uninsured motorist insurance and have peace of mind. Your safety is a top priority, and having the right insurance coverage is essential.

Car Insurance Glossary

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FAQs About Califorina Car Insurance

I am a Low-Income Driver. How Can I Find the Cheapest Car Insurance in California?

If you’re a low-income driver in California looking for the cheapest car insurance, consider California’s Low-Cost Automobile Program (CLCA). Introduced in 1999, CLCA provides affordable liability policies with reduced premiums. This program is designed to make car insurance accessible and affordable for eligible individuals, helping them meet the state’s insurance requirements.

Can an Undocumented Worker Get Car Insurance in CA?

Absolutely! California allows undocumented workers to obtain a special driver’s license (AB 60). With this license, they can obtain insurance quotes from providers and secure coverage.

Is It Possible to Get Car Insurance in California with a DUI on my Record?

Yes, it is possible! However, as a high-risk driver, you will need to find an insurer that specializes in providing insurance for individuals with DUIs. They will also be required to provide an SR-22 form in California. If you are unable to find insurance through regular channels, you can turn to the California Automobile Assigned Risk Plan (CAARP), which is designed to assist high-risk drivers in obtaining coverage.

Get Affordable Car Insurance in California Today!

Do you need affordable car insurance in California? Count on us to provide you with the insurance coverage you need. Contact us today and drive confidently with our comprehensive coverage! Give us a call at 800-321-0899, visit our website for a quick quote online, or conveniently visit one of our many accessible offices.

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