Anyone know the cheapest car insurance in california?

Insurance Forum Auto Insurance
1

Hey everyone, I’m looking for affordable car insurance options here in California. Has anyone found a good deal? I’ve heard Geico and Mercury are pretty cheap, but would love some real opinions. Anyone know which is better?

2

I went with Geico, and it’s been decent. I’m paying around $124 a month for full coverage. Honestly, I was surprised it was that cheap.

3

Spencer said:
I went with Geico, and it’s been decent. I’m paying around $124 a month for full coverage. Honestly, I was surprised it was that cheap.

That’s pretty good. I was quoted more than that with Mercury… maybe Geico’s worth another look.

4

Spencer said:
I went with Geico, and it’s been decent. I’m paying around $124 a month for full coverage. Honestly, I was surprised it was that cheap.

I think Geico’s online-only in California now, but the rates are still low. Definitely worth considering if you’re comfortable with online service.

5

Mercury worked well for me after an accident last year. They charged me around $211 monthly for full coverage, which was way less than other companies quoted.

6

Arlo said:
Mercury worked well for me after an accident last year. They charged me around $211 monthly for full coverage, which was way less than other companies quoted.

Good to know, especially if rates go up after an accident. I’ll keep Mercury in mind.

7

State Farm’s good for younger drivers. They quoted my cousin around $100 for liability only, which isn’t bad for a new driver.

8

Rin said:
State Farm’s good for younger drivers. They quoted my cousin around $100 for liability only, which isn’t bad for a new driver.

That’s interesting. Do you know if they offer discounts for students or new drivers?

9

If you don’t drive much, you might want to check out AAA. They’ve got decent rates if you’re in Northern California.

10

Bay said:
If you don’t drive much, you might want to check out AAA. They’ve got decent rates if you’re in Northern California.

I heard AAA has different rates for Northern and Southern California. Worth looking into for sure.

11

Anyone know if rates are going up next year? I read something about new insurance requirements.

12

Niko said:
Anyone know if rates are going up next year? I read something about new insurance requirements.

Yeah, I think the minimum coverage requirements are changing in 2025, so rates might increase a bit.