Auto Insurance with Bad Credit in California

The Zebra
March 8, 2019

Auto insurance can be expensive for drivers with bad credit. Insurers use credit score as a primary rating factor, pricing policies based in part on drivers’ credit histories. Since car insurance companies rely on historical data showing clients with poor credit are more likely to file auto insurance claims, they compensate for that additional risk by assigning expensive rates.

Your car insurance costs with bad credit depends on which company you choose, where you live, and a few other rating factors. We've gathered below average insurance rates for drivers with bad credit in major California cities, alongside rates from large car insurance companies, , along with tips to save on car insurance if you have bad credit in California.


Car insurance with bad credit in California:

  1. Average premiums
  2. Rates by city
  3. Rates by company

Car insurance rates with bad credit in California

California drivers face an average penalty of $-87 per year for having a credit score at the low end of the scale. A driver in the "poor" or "below fair to poor" credit tiers will also face a penalty.


CALIFORNIA CAR INSURANCE PRICES WITH BAD CREDIT

Credit TierAverage Annual Rate in California
Worst$1,626
Poor$1,626
Below Fair to Poor$1,626
Average — All Credit Tiers$1,713

Paying too much for car insurance? Compare rates today!

Compare rates from top car insurance companies.


Car insurance rates with bad credit in California cities

Car insurance prices will also vary depending on the precise area in which you drive. Insurers look at your address to estimate whether you're likely to file a claim: the denser and claim-prone your immediate area is, the more expensive your rates will be.

Listed below are major California cities and their average car insurance rates for those with bad credit.


BAD CREDIT CAR INSURANCE RATES IN CALIFORNIA CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Los Angeles$2,231$2,231$2,231
San Diego$1,555$1,555$1,555
San Jose$1,590$1,590$1,590
San Francisco$1,888$1,888$1,888
Fresno$1,661$1,661$1,661

Having a hard time finding auto insurance? Shop now!

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Best car insurance companies for bad credit in California

Another factor contributing to car insurance rates is the insurer you choose. Every auto insurance company prices policies in a different manner, giving rating factors varying weights in their pricing calculations. Credit history can be a major differentiator in price between insurance companies. In California, the most affordable insurance company for drivers with bad credit is USAA, which offers average savings of $55 per annum versus the second-cheapest company, Mercury.

See premiums from leading auto insurance companies in California for drivers with bad credit.


CALIFORNIA CAR INSURANCE PREMIUMS WITH BAD CREDIT — POPULAR COMPANIES

CompanyAverage Annual Rate — Worst Credit Tier
USAA$1,060
Mercury$1,115
GEICO$1,188
United Financial$1,293
21st Century$1,363

If you're having a hard time purchasing auto insurance with a bad credit history, remember these tips:

  1. View car insurance quotes
  2. Be smart with your claims
  3. Know what determines car insurance rates

Compare rates from top car insurance companies.