Car Insurance for Good Drivers in California

The Zebra
Sept. 4, 2019

Car insurance for good drivers in California

Many of the factors insurance companies use to set your car insurance rates lie beyond your control, including your gender, age, and location. But there are a few factors you can control if you're looking for affordable rates.

If you want to minimize your insurance expenditure, try to keep your driving history clean, your credit score solid, and your monthly driving mileage on the low end. Car insurance companies are willing to provide price breaks to drivers who present little risk. Exhibiting as little risk as possible behind the wheel — and in everyday life — can result in more affordable rates.

See below a breakdown of the best companies with which to start your car insurance search if you’re a low-risk customer in California.

Auto insurance rates for drivers with no citations in California

One of the best ways to ensure you pay less for car insurance is to maintain a good driving record. Insurers view good drivers as less risky customers and in turn, charge them lower premiums. If you remain on the right side of the law, you could enjoy lower auto insurance rates.

If you're citation-free, start your search for insurance with Century National, offering an average annual premium of $1,188. That sums to $627less than the average car insurance rate for drivers without driving violations in California.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN CALIFORNIA
Insurance CompanyAvg. Annual Auto Insurance Rate
Century National$1,188
Esurance$1,189
GEICO$1,354
Progressive$1,448
Farmers$1,495
USAA$1,501
Mercury$1,518
Auto Club$1,581

Auto insurance rates for drivers with above-average credit in California

Auto insurance companies reward clients who maintain a solid credit profile. If you have a credit score in the good, very good, or excellent tiers, you could receive a price cut on your auto insurance premium.

If your credit score sits within the "good" tier, your top option for car insurance in California could be Century National, offering an average annual rate of $1,188. If your credit score is in the “excellent” range, Century National could be a good company with which to start your search. Century National's prices for drivers with credit scores of 800 or better are $628 per year less than the average car insurance rate for drivers with excellent credit in California.

Find below a breakdown of auto insurance rates in California for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN CALIFORNIA
Insurance CompanyAvg. Annual Auto Insurance Rate
Century National$1,188
Esurance$1,189
GEICO$1,354
Progressive$1,448
Farmers$1,495
USAA$1,501
Mercury$1,518
Auto Club$1,581

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN CALIFORNIA
Insurance CompanyAvg. Annual Auto Insurance Rate
Century National$1,188
Esurance$1,189
GEICO$1,354
Progressive$1,448
Farmers$1,495
USAA$1,501
Mercury$1,518
Auto Club$1,581

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN CALIFORNIA
Insurance CompanyAvg. Annual Auto Insurance Rate
Century National$1,188
Esurance$1,189
GEICO$1,354
Progressive$1,448
Farmers$1,495
USAA$1,501
Mercury$1,518
Auto Club$1,581

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Car insurance for occasional drivers in California

If you drive infrequently, you're less likely to get into a collision. At least that’s the logic car insurance companies use when rewarding drivers who use their cars only infrequently. If you drive less than 7,500 miles per year, you could receive a car insurance price cut. Exactly how much you can save by driving fewer miles comes down to your insurance company's pricing practices.

If you're a California driver who doesn't rack up major mileage, consider Mercury, which offers average annual savings of $988 for low-mileage customers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN CALIFORNIA
Insurance CompanyAvg. Annual Auto Insurance Rate
Mercury$827
Esurance$954
Century National$968
Progressive$970
GEICO$998
USAA$1,069
Auto Club$1,069
Grange$1,175

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Rates for good drivers in California — in major cities

Auto insurance rates don't depend only on the state in which a driver resides — their city matters, too. Auto insurers price policies by the driver’s home ZIP code, adjusting prices for the risk levels associated with various regions.

Find below a summary of car insurance rates for drivers with positive rating factors in the biggest cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
San Diego$1,736$1,736$1,736$1,736$1,592
Fresno$1,821$1,821$1,821$1,821$1,659
San Jose$1,842$1,842$1,842$1,842$1,670
San Francisco$2,184$2,184$2,184$2,184$1,980
Los Angeles$2,587$2,587$2,587$2,587$2,354

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