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Last updated April 2026

2026’s Best Car Insurance Plans in California

We have helped 100,000+ car owners select the ideal auto insurance policy for their vehicles in all 50 states.

  • Top brands offering excellent service and fast claims payouts
  • Guaranteed lowest prices with exclusive deals
  • Trusted by vehicle owners, financial advisors, car dealerships, independent insurance agents, and many more
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Average Premium
National average monthly premiums are based on quotes for a 30-year-old single male with good credit and no accident or violation history and who owns a 2015 Honda Accord with 50/100/50 liability limits plus $500 deductibles for comprehensive and collision coverage. Learn more at the end of this page.
$101/mo
Bundling Discounts
Home, Renters, Pet, Life & Auto
Best Policy For
Affordable rates
  • Lemonade has an innovative car insurance policy. Bundle with pet and/or renters and get automatic discounts
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
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Best Price Guaranteed
1
Average Premium
National average monthly premiums are based on quotes for a 30-year-old single male with good credit and no accident or violation history and who owns a 2015 Honda Accord with 50/100/50 liability limits plus $500 deductibles for comprehensive and collision coverage. Learn more at the end of this page.
$115/mo
Bundling Discounts
Home, Renters, Condo, Life, Business & Auto
Best Policy For
Easy Claims
  • On average new Farmers customers save $443 per year
  • Farmers is appealing to customers who prefer personalized service through local agents
  • Founded in 1928 and underwritten by Farmers Property and Casualty Insurance Company
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Best Price Guaranteed
1
Average Premium
National average monthly premiums are based on quotes for a 30-year-old single male with good credit and no accident or violation history and who owns a 2015 Honda Accord with 50/100/50 liability limits plus $500 deductibles for comprehensive and collision coverage. Learn more at the end of this page.
$119/mo
Bundling Discounts
Home & Auto
Best Policy For
Comparing savings
  • Easily review quotes from a wide range of insurance providers side by side, all in one place
  • Find a match and save up to $4900 annually. Whether you’re looking to save on a car or home policy, we find the best value for you
  • Founded in 2012, The Zebra has helped shoppers perform over 18 million quotes to find a better car insurance policy
View Plans
Best Price Guaranteed
1
Average Premium
National average monthly premiums are based on quotes for a 30-year-old single male with good credit and no accident or violation history and who owns a 2015 Honda Accord with 50/100/50 liability limits plus $500 deductibles for comprehensive and collision coverage. Learn more at the end of this page.
$126/mo
Bundling Discounts
Home, Life Renters & Auto
Best Policy For
Established Brand
  • State Farm is the largest insurer for auto and home insurance in the United States
  • They are ubiquitous with over 10,000 brick and mortar agents nationally
  • Founded in 1922 and underwritten by State Farm Mutual Automobile Insurance Company
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Best Price Guaranteed
1
Average Premium
National average monthly premiums are based on quotes for a 30-year-old single male with good credit and no accident or violation history and who owns a 2015 Honda Accord with 50/100/50 liability limits plus $500 deductibles for comprehensive and collision coverage. Learn more at the end of this page.
$115/mo
Bundling Discounts
Home, Renters & Auto
Best Policy For
Military
  • USAA is the #1 insurance company for active military personnel, veterans, and their extended families
  • They also offer solutions for banking, retirement, investing, and more
  • Founded in 1922 and underwritten by United Services Automobile Association (USAA)
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Best Price Guaranteed
1
Average Premium
National average monthly premiums are based on quotes for a 30-year-old single male with good credit and no accident or violation history and who owns a 2015 Honda Accord with 50/100/50 liability limits plus $500 deductibles for comprehensive and collision coverage. Learn more at the end of this page.
$128/mo
Bundling Discounts
Home, Auto Renters & Motorcycle
Best Policy For
Government employees
  • Thanks to their gecko mascot, GEICO is one of the most recognizable names in car insurance
  • They offer competitive rates and further discounts for government employees
  • Founded in 1936 and underwritten by Government Employees Insurance Company
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Best Price Guaranteed
1
Average Premium
National average monthly premiums are based on quotes for a 30-year-old single male with good credit and no accident or violation history and who owns a 2015 Honda Accord with 50/100/50 liability limits plus $500 deductibles for comprehensive and collision coverage. Learn more at the end of this page.
$130/mo
Bundling Discounts
Home, Renters & Auto
Best Policy For
Cautious drivers
  • Allstate offers a “safe driving bonus” every 6 months you don’t have an accident
  • They insure almost all types of vehicles including: cars, motorcycles, ATV/off-road, snowmobiles, boats, and RVs
  • Founded in 1931 and underwritten by Allstate Insurance Company
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Best Price Guaranteed
1
Average Premium
National average monthly premiums are based on quotes for a 30-year-old single male with good credit and no accident or violation history and who owns a 2015 Honda Accord with 50/100/50 liability limits plus $500 deductibles for comprehensive and collision coverage. Learn more at the end of this page.
$157/mo
Bundling Discounts
Home, Renters, Life, Motorcycle, RV & Auto
Best Policy For
Motorcycles
  • Progressive is the #1 motorcycle insurer in the United States
  • They guarantee repairs on all vehicles as long as you own your vehicle and take it within network
  • Founded in 1937 and underwritten by Progressive Casualty Insurance Company
View Plans
Best Price Guaranteed
1
Average Premium
National average monthly premiums are based on quotes for a 30-year-old single male with good credit and no accident or violation history and who owns a 2015 Honda Accord with 50/100/50 liability limits plus $500 deductibles for comprehensive and collision coverage. Learn more at the end of this page.
$101/mo
Bundling Discounts
Home, Renters, Pet, Life & Auto
Best Policy For
Affordable rates
  • Lemonade has an innovative car insurance policy. Bundle with pet and/or renters and get automatic discounts
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
View Plans
Best Price Guaranteed
Best Overall

Frequently Asked Questions

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We help you narrow your options and build confidence in your shortlist. Every pet and owner is different, so the final decision will always be yours.

Ranking Methodology

We ranked the best car insurance policies based on a variety of important factors including the following:

  • National average monthly premiums are based on quotes for a 30-year-old single male with good credit and no accident or violation history and who owns a 2015 Honda Accord with 50/100/50 liability limits plus $500 deductibles for comprehensive and collision coverage
  • Coverage and benefits
  • AM Best rating of the underwriter
  • Policy limits and bundling discounts
  • Exclusions and customizations
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews
  • Claim satisfaction
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