Cheapest Full Coverage Car Insurance In California – Wawanesa has the cheapest SR-22 insurance in California, with an average cost of $136 per month or $1,632 per year. This is 67% cheaper than the national average, which is $4,881 per year.
Other companies that offer cheap insurance in California if you need an SR-22 include National General and Mercury. But car insurance with SR-22 costs much more than average and rates can vary widely, so compare rates before choosing a policy.
Cheapest Full Coverage Car Insurance In California
We found the companies with cheap SR-22 insurance in California by calculating the average price for drivers with a suspended license, DUI or reckless driving citation.
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Our sample driver was a 30-year-old male driver of a 2017 Toyota Camry LE with average credit who had a policy with the following limits:
Some operators may be represented by subsidiaries or affiliates. Prices provided are a sample of insurance costs. Your actual prices may vary.
SR-22 insurance isn’t actually a type of auto insurance, it’s a form your insurance company files for you that proves you have an active policy. A California SR-22 must show that you have at least the following amounts of coverage:
You may be required to have SR-22 insurance after license suspension or serious offense. In California, some of the reasons your license may be suspended include getting into an accident without insurance, driving while intoxicated, driving recklessly, speeding, or getting too many points on your license in a short period of time.
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California generally requires SR-22 insurance for at least a few years, but the exact period depends on your violation. Your insurer will notify the state if you cancel your coverage early and you will face penalties and need an SR-22 for a longer period.
Once you know you need an SR-22, you can follow these steps to find affordable SR-22 car insurance in California:
If you have a driver’s license but do not own a car, you may need to obtain SR-22 non-owner insurance if your license is suspended or if you commit a driving violation.
Non-owner insurance has basically the same coverage as a regular car insurance policy, except comprehensive and collision coverage (since there’s no car to protect). An SR-22 non-homeowner policy generally has lower limits than regular insurance, so it may be cheaper.
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On average, SR-22 insurance in California costs $407 per month or $4,881 per year. This is high, but many companies offer cheaper coverage, so shop around.
On average, Wawanesa has the cheapest insurance in California for drivers who need an SR-22. National General and Mercury also offer cheaper than average SR-22 insurance in California.
It depends on why you had to file an SR-22 in the first place, but if you don’t let your insurance expire while you are still required to have an SR-22, your auto insurance company will remove it after the required period ends.
Andrew Hurst is a senior editor and licensed auto insurance expert at. His work has also been published in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin and Property Casualty 360.
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Anna Swartz is a senior editor and auto insurance expert at, where she oversees our auto insurance coverage. Previously, he was a senior writer at Mic.com, as well as a contributing writer for content at The Dodo.Partner: This content was created by a Dow Jones business partner and was independently researched and written by the editorial staff. Links in this article may result in me earning a commission. to know more
The cheapest full coverage car insurance starts on average at $88 per month, and companies with the cheapest full coverage include USA, Nationwide, and Geico
Written by: Daniel Robinson, Written by: Daniel Robinson Author Daniel is a staff writer and has written for several news websites and car marketing companies in the US, UK and Australia, specializing in car financing and car care. Daniel is a drivers group authority on auto insurance, loans, warranty options, auto services and more.
Editor: Rashawn Mitchner Editor: Rashawn Mitchner Editor-in-Chief Rashawn Mitchner is a Guide staff editor with more than 10 years of experience covering personal finance and insurance topics.
What Is Full Coverage Car Insurance?
We at the Drivers Team compare the best car insurance companies to find the most affordable options for drivers. In this article, we’ll look at which companies offer the cheapest comprehensive car insurance coverage and present our top picks.
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Drivers Group is committed to providing reliable information to help you make the best decision possible about your vehicle insurance. Because consumers trust us to provide objective and accurate information, we created a comprehensive rating system to form our rankings of the best car insurance companies. We collect data from dozens of auto insurance companies to evaluate companies on a wide range of rating factors. After 800 hours of research, the final result was an overall score for each insurer, with the insurers that accumulated the most points at the top of the list.
According to our pricing estimates, USAA offers the cheapest comprehensive auto insurance coverage, at an average price of $88 per month for a 35-year-old with a clean driving record. But USAA is only available to military personnel, veterans and their children. Looking at mass-market providers, Nationwide is the cheapest option, with monthly fees averaging $107.
Average Car Insurance Rates By Age
Next, we’ll look at the cheapest full-coverage car insurance companies, broken down by state, driver age, and driving history.
Your location is one of the biggest factors affecting your car insurance premium. This section shows the cheapest provider based on our estimates for a 35-year-old driver in each state.
While companies like Geico and USAA offer cheap car insurance on average, the cheapest company in each state varies. Local providers like Country Financial and Farm Bureau insurance also tend to be affordable, so we encourage you to compare all of your options.
*This table does not include USAA. While it is often the cheapest provider in many states, it is only available to military personnel, veterans, and their children.
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Age is another important factor in how much you pay for comprehensive car insurance coverage. Younger drivers are associated with higher rates of accidents and infractions, so they pay more for car insurance. Our averages show that Geico is often the cheapest provider for drivers of different ages.
Your driving history has a big impact on the prices you pay. Depending on your state, you may pay higher car insurance premiums for three to five years after an accident or violation.
According to our rate averages, State Farm, Nationwide, and Geico tend to be affordable for drivers with an accident or violation. However, this is not always the case. Let’s look at the average rates for different situations.
And has an average annual fee of $1,656. Our averages here are for speeds 16 to 20 MPH over the limit, and we’ve found that this type of speeding ticket increases rates by an average of $583 per year.
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Running a stop sign puts people at risk and definitely increases your insurance rates. Our estimates show that drivers pay an average of $550 more per year for these types of violations. Nationwide, it is the cheapest bulk carrier on our list, averaging $1,650 per year.
Having a DUI on your record can increase your insurance rates. Our estimates show that drivers pay on average about $1,547 more per year to have a DUI on their records. This is about 89% higher than the average driver with a clean record. If a DUI stays on your insurance record for three years, you would pay about $4,641 more in that time.
Our averages show that State Farm is generally the most affordable provider with a DUI on their record. American Family, Progressive, and Travelers are also affordable.
Getting into an at-fault accident can increase your rates by about 55%, according to our averages. State Farm tends to be the cheapest national supplier in this state, offering average annual rates of $1,882.
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An at-fault accident and a speeding ticket on the same driving record combine to raise your car insurance rates even higher. Our averages show that drivers with these two marks on their record pay, on average, 86% more for car insurance annually. In this case, State Farm is the cheapest bulk supplier, averaging $2,077 per year.
With two wrongful accidents on your record, you become a more dangerous driver to insure. Our estimates show that drivers with two accidents pay, on average, more than twice as much as drivers with a clean record, costing them an average of $2,031 more per year.
In this case, you would probably be better off with State Farm, USAA, American Family, or Nationwide, as they are the top four cheapest providers for drivers with two accidents on their records.
If you’ve had three at-fault accidents, you may have trouble finding affordable car insurance. State Farm is the top insurer that generally offers the cheapest rates
