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Who Are the Top Car Insurance Providers in California?

California is a huge state, so it only makes sense that it also has a handful of car insurance providers – more than fifty, in fact. But with a statewide average premium of $1,962, the California is undeniably one of the most expensive places to insure your car. 

Not all hope is lost, though – it can be easy to find a car insurance company that fits your needs AND proves affordable for you, depending on the type of driver you are. Here are our picks for the top car insurance providers in California.

How did we make this list? We first found the top companies based on in-state market share. We then compared their compared their financial strength, coverage options, and customer service ratings. 

GEICO logo

GEICO

GEICO proves to be one of the best choices for young drivers.

PROS:

  • Low premium quotes (especially for young drivers)
  • Offers more discounts than any other insurance provider
  • High claims satisfaction and customer service rating 

CONS:

  • Just about none. GEICO is currently unparalleled in both price and customer service.

AAA logo

AAA

Combined, Interinsurance Exchange of the Automobile Club and AAA Northern form the largest California automobile insurer, with a market share of 15.73 percent. 

PROS: 

  • Highest in customer satisfaction
  • Highest ratings in claims handling by J.D. Power and Consumer Reports readers

CONS:

  • To purchase AAA through insurance, your license must be more than three years old and you cannot have a speeding ticket or an at-fault accident in the past three years
  • Offers cheaper insurance than the larger companies for members, but isn’t the cheapest

Statefarm Logo

Statefarm

The second largest auto insurance company in California (14.4 percent market share)

PROS:

  • Offers antique and classic car insurance coverage, in addition to basic insurance
  • Low complaint ratio
  • Offers large variety of insurance options
  • Quotes for middle-aged drivers are competitive with AAA
  • Offers more discounts for teen drivers

CONS:

  • Highest number of “justified complaints” leveled against Statefarm (according to Consumer Reports in 2016)
  • Middle-of-the-pack when it comes to overall pricing

Allstate logo

Allstate

Allstate is the fourth-largest auto insurance company in California, with a market share of 6.7 percent. 

PROS: 

  • Reputable brand
  • Offers “gap coverage,” which negates the effects of depreciation for new cars if they’re totaled in the first year

CONS:

  • One of the most expensive in quotes
  • Second-highest Justified Complaint Ratio in 2016

Farmers Insurance logo

Farmers

Farmers has the third-largest market share in California at 12.1 percent.

PROS: 

  • Above-average Consumer Reports overall score of 89
  • Offers the second-most discounts (behind GEICO)

CONS: 

  • High premium prices in California
  • Ranks below average for claims satisfaction

Images sourced in order of appearance: Jacob Repko, Wikipedia, Wikipedia, Statefarm, Wikipedia, Farmers Insurance.

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