California Car Insurance
Demystified✨
Our Guide is really awesome!
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Companies admitted
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groups own those
223 companies
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Feel comforted!
Only 66 options...
groups insure 99%
of California
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Feel confident!
You've got a plan!
of Californians picked
one of four groups:
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Feel Ready?
You got this!
Data Source: California Department of Insurance recent Market Share report found here.
Last updated February 2024.
be a daunting task
Free! Really?
After 10+ years in the insurance industry I decided to make the perfect way to shop for insurance. Here's my dream way to compare car insurance. Enjoy.
Start NowQuoteMingle's Vision
Last updated February 2024Narrow down your insurance company selection. Gain information about what your options are. No account needed.
Automatically get a quote with each of these companies. Each and every one possible. Everyone claims to do this, no one does this.
Report back to tell us how it went, or come back in a year when your price goes up again. We'll be here to give you the scoop on car insurance in California. ❤
Last thing you need to know - Know the law!
"California Good Drivers" are automatically eligible for auto quotes. Companies that discourage you from obtaining a quote are BREAKING THE LAW!
Please report to us as well as the California Department of Insurance each and every instance of your rights being violated. We care. ❤ The DOI Cares. ❤ We can fix this issue together.
Start NowOur 2024 Guide
Quote ❤ Confidently
Guide: We'll start with the most popular companies and work our way down. As you may have seen above, 90% of people picked one of the top 30 groups below, which is why it's a good strategy to quote based on popularity first, then compare prices.
But first... don't compare apples to oranges. Decide what limits you want, then you can compare companies. If you give everyone the same information you can accurately comapre quotes.
If you feel pressured to choose different limits, make sure it's better coverage! Don't be talked into lowering your desired limits.
2024 Note: Companies are not profitable. They are raising rates. You may find waiting periods before policies can become effective, and lots of paperwork required for a quote. We've put time into calling the top 36 companies below to figure out the best way to get a quote.
Updated January 2024
Guide: Online quote impossible. Call a local agent for a quote. As of Jan 2024 State Farm has a 14 day waiting period for new policies to become effective. https://www.statefarm.com/agent/
12.39%
12.27% of Californians choose this group.
Guide: Geico's online quote requires phone number and email. 7 minutes to complete. As of Jan 2024 Geico has a 15 day waiting period for new policies to become effective.
24.31%
12.04% of Californians choose this group.
Guide: Online quote impossible. Call a local agent for a quote. As of Jan 2024 Allstate may require pictures of your vehicle before new policies may become effective. https://agents.allstate.com/usa/ca
35.03%
10.72% of Californians choose this group.
Guide: Online quote impossible. Call a local agent for a quote. As of Jan 2024 Farmers has a 25 day waiting period for new policies to become effective. https://agents.farmers.com/
45.22%
10.19% of Californians choose this group.
Guide: Quick and easy quote. Choose either Southern or Northern. As of Jan 2024 AAA (Southern California) has a 14 day waiting period for new policies to become effective.
54.24%
9.02% of Californians choose this group.
Guide: Quick and easy quote. Choose either Southern or Northern.
61.09%
6.86% of Californians choose this group.
Guide: Quick and easy quote. 5 minutes to complete.
67.89%
6.80% of Californians choose this group.
Guide: Don't give your social security number when they ask. Quick and easy quote. 5 minutes. As of Jan 2024 Progressive has a 14 day waiting period for new policies to become effective.
73.78%
5.89% of Californians choose this group.
Guide: Effective 01/01/2024 Kemper has left the state of California for private passenger automobile.
79.94%
6.16% of Californians choose this group.
Guide: For our U.S. military members, veterans, and their families. You can quote on their website.
84.80%
4.86% of Californians choose this group.
Guide: Quick and easy quote. Easily the best experience. As of November 2023 Safeco may require 6 months of vehicle registration remaining on each vehicle.
87.61%
2.81% of Californians choose this group.
Guide: Online quote impossible. You can call the company as of Jan 2024 at 1-800-535-2001. https://www.amfam.com
89.36%
1.75% of Californians choose this group.
Guide: Quick and easy online quote. As of Nov 2023, Wawanesa may require photos of all sides of the cars.
91.00%
1.63% of Californians choose this group.
Guide: Online quote impossible. Brian Abbott, QuoteMingle's Owner, has been unsuccessful obtaining a Nationwide quote. As of Nov 2023 Nationwide requires 6 photos of the car, vehicle registration, odometer, proof of residence, and proof of employment prior to receiving a quote. https://www.nationwide.com/
92.52%
1.52% of Californians choose this group.
Guide: Online quote impossible. It has been Brian Abbott's experience that calling local agencies asking for a Travelers quote will be unsuccessful. It has been Brian Abbott's experience that calling Travelers directly will be unsuccessful. https://www.travelers.com/car-insurance
93.79%
1.27% of Californians choose this group.
Guide: Hagerty specializes in Classic and Antique Cars. Skip for normal cars.
94.62%
0.83% of Californians choose this group.
Guide: Online quote impossible. Brian Abbott has been unsuccessful in obtaining a quote with Hartford. https://www.thehartford.com/aarp/car-insurance/california
95.18%
0.56% of Californians choose this group.
Guide: Online quote impossible. Please contact Dairyland insurance for information on how to obtain a quote. As of November 2023, Dairyland may require a recent smog check for low mileage policies. https://www.dairylandinsurance.com/
95.66%
0.48% of Californians choose this group.
Guide: Online quote was quick and easy. As of Jan 2024 Loya Group only offers minimal limits. If you want higher limits, consider other options.
96.17%
0.51% of Californians choose this group.
Guide: Only available to: Firefighters & EMS, Higher Education Employees, Educators, Peace Officers, NP's, and RN's.
96.65%
0.48% of Californians choose this group.
Guide: Online quote impossible. As of Jan 2024 Aspire only offers minimal limits. Please contact Aspire for information on how to obtain a quote. https://www.aspiregeneral.com/
97.01%
0.35% of Californians choose this group.
Guide: Online quote impossible. As of November 2023 Anchor has refused to inform me how to purchase a policy. Please contact Anchor directly for information how to obtain a quote.
97.32%
0.31% of Californians choose this group.
Guide: Online quote impossible. As of Jan 2024 Amica has a 25 day waiting period for coverage to become effective. 800-242-6422
97.63%
0.31% of Californians choose this group.
Guide: Online quote impossible. As of Jan 2024 Brian Abbott has been unsuccessful in obtaining quotes with Mapfre. Please contact Mapfre for information on how to obtain a quote.
97.89%
0.27% of Californians choose this group.
Guide: Online quote impossible. As of Jan 2024 Brian Abbott has been unsuccessful in obtaining quotes with Chubb. Please contact Chubb for information on how to obtain a quote.
98.11%
0.21% of Californians choose this group.
Guide: Online quote impossible. Tailored for high-net-worth individuals. Please contact PURE for information on how to obtain a quote.
98.29%
0.18% of Californians choose this group.
Guide: Online quote impossible. As of Jan 2024 Brian Abbott has been unsuccessful in obtaining a quote for Metromile insurance. Please contact Metromile for information on how to obtain a quote. (Lemonade insurance is a different program, and is scheduled to launch sometime in 2024.)
98.48%
0.19% of Californians choose this group.
Guide: Online quote impossible. Please contact a local agent to get a quote. https://www.ciginsurance.com/agency-locator/
98.65%
0.17% of Californians choose this group.
Guide: This company serves families of those who are employed by a School District. (Like Teachers!) If you or someone in your household is not employed by a school district you can skip this company.
98.80%
0.15% of Californians choose this group.
Guide: Online quote impossible. Contact a local agent for a quote. https://www.americannational.com/
98.94%
0.14% of Californians choose this group.
Guide: Tiptree is Specialty insurance for unique situations. You may want to consider skipping this company.
99.05%
0.11% of Californians choose this group.
99.05% of Californians choose this group or one above.
Guide: Online quote impossible. As of 2024 Brian Abbott has been unsuccessful in obtaining a Nations quote. Contact Nations for information on how to obtain a quote.
99.14%
0.09% of Californians choose this group.
Guide: Online quote impossible. Brian Abbott has been unsuccessful in obtaining an AIG quote. Contact AIG for information on how to obtain a quote.
99.25%
0.11% of Californians choose this group.
Guide: Online quote impossible. Contact Knightbrook for information on how to obtain a quote.
99.33%
0.08% of Californians choose this group.
Guide: Online quote was quick and easy.
99.41%
0.08% of Californians choose this group.
Guide: Online quote impossible. As of November 2023 Grange is refusing new quotes for customers who are unwilling to also place their homeowners insurance with Grange.
99.49%
0.08% of Californians choose this group.
The following companies, in total, comprise less than 0.6% of the market. While all admitted companies are "backed" by the State of California, you may recieve better service from a larger company.
- First Acceptance37/66
- Civil Service Employee38/66
- Cincinnati Financial39/66
- Munich ReCollector vehicles.40/66
- Sterling Cas"Pronto" Low limit only.41/66
- WT Holdings42/66
- Randall & Quilter Investment43/66
- Ocean Harbor44/66
- Topa Equities45/66
- Root46/66
- Oregon Mutual47/66
- Trisura48/66
- Western Serv. ContractMotorcycles only49/66
- Incline P&C50/66
- Aegis51/66
- General Electric52/66
- Home State53/66
- SH1 Holdings54/66
- QualitasFor vehicles domiciled in Mexico, and licensed in California.55/66
- IAT ReinsOnline quote available.56/66
- Everest Reins Holdings57/66
- MS & AD58/66
- National UnityFor vehicles registered in Mexico, who are traveling to the USA.59/66
- Assurant60/66
- AXA61/66
- QBE62/66
- Pharmacists Mutual63/66
- Dongbu64/66
- Starr65/66
- Enstar66/66
We stay up to date in the industry so you don't have to.
We'd love to hear your opinions on any article below. Or if you're interested in learning feel free to check out some articles on the basics.
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Read ArticleI can't get quotes online for California Car Insurance. The Elephant in the room.
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