Top 10 Auto Insurance Companies In California

There are more than 50 auto insurance companies in California. California auto insurers include big national players like Farmers Insurance as well as smaller local players. Some companies like 21st Century Insurance don’t insurance fancy expensive cars like Ferrari, Rolls Royce, etc. If you have one of these cars then Access Insurance is your company.

Logo of Big Auto Insurance Companies
Auto Insurance Companies in California

This guides lists top ten auto insurance companies in California with their pros and cons. Whether you are looking for California auto insurance discounts or the cheapest car insurance in Cali. We have depended heavily on individual auto insurers’ websites as well as information available on California Department of Insurance’s website.

 

Big Auto Insurance Companies In California

1. State Farm

State Farm Auto Insurance is the largest auto insurance company in California and probably the biggest in the United States. The company had about 17% of the market share in 2021. The company also offers antique and classic car insurance coverage quotes through their agents. For year 2021 company’s Justified Complaint Ratio was 1.2.

2. Interinsurance Exchange of the Automobile Club & AAA Northern CA NV and UT Insurance Exchange

Interinsurance Exchange of the Automobile Club and AAA Northern  are the same company for all practical purposes. Interinsurance Exchange of the Automobile Club in California serves only Southern California AAA members. AAA Northern California Nevada, and Utah serves AAA members in northern California

With lousy and confusing website Interinsurance Exchange of the Automobile Club (a.k.a. AAA Southern California) is this is the second largest California auto insurer. It had 8.5% market share in terms of exposure count. AAA Northern was the third largest with 7.23% market share.

AAA offers SR22 insurance is most states for a fairly reasonable cost per month. 

Some things to keep in mind if you are planning to buy auto insurance from these companies.

  • AAA NCNU IE will not sell insurance if you have 1 speeding ticket and 1 at fault accident in last three years.
  • If your license is less than three years old you can’t buy insurance from AAA.
  • Offers automobile death benefits coverage of $15,000 for each insured person.

The company claims to offer substantially cheaper (by $384) insurance than GEICO, State Farm, and Farmers. The map below shows how northern and southern California is split between the two AAA’s.

AAA Auto Insurance Company Northern and Southern California Division
AAA Auto Insurance Company Northern and Southern California Division

3. Allstate

Allstate is the third largest auto insurance company in California. It had a market share of 6.7% in 2011. The company offers auto insurance all over the Golden State. Your Choice Auto is the most popular policy issued by Allstate. The company also offers auto insurance for expensive and luxury cars like Porche and Jaguar. You can find a Allstate’s complete list of insured makes here.

Insurance Dodo Logo

Low Cost Auto Insurance

Switch and save on average $750/yr.  Bundle and save even more!  Compare best rates online in minutes!

Comparison quotes are quick, easy, and free!

4. Mercury Insurance Group

Mercury Insurance Group is the fourth largest California auto insurance company with a 6.5% market share. Mercury sells reasonably priced auto coverage. The company had zero justified complaints in 2011, two in 2010, and just five justified complaints in 2009. Mercury’s justified complaint ratio is also the lowest amongst all California auto insurance companies.

This makes Mercury the best auto carrier in terms of quality of customer service and claims processing.

5. Mid Century Insurance Company

Mid Century Insurance Company is a subsidiary of the Farmers Insurance Exchange. It is a non standard high risk insurance company. If your driving record has more than one at fault accident or too many speeding tickets then standard or low risk auto insurance companies will not cover you. For high risk drivers Mid Century can be a good choice. Downside is that the cost of insurance is on the higher side.

This does not mean that you should not buy from this company if you have a good driving record. The company offers Safe Driving Discount of up to 9% and Good Driver Discount of 20%. The company has 5.7% market share.

6. 21st Century Insurance Company

Another wholly owned subsidiary of Farmers 21st Century Insurance Company has 3% market share in California. The company insures fancy cars like Ferrari, Jaguar etc. The company offers superior driver discount of 10% if the driver is accident and violation free for 4 years. If driver has a five year plus clean record the discount is 20%. The cost of the company’s policy is slightly on the higher side.

7. Access Insurance Company

Access is a speciality auto insurer with 2% market share. The company offers cheap auto insurance for standard cars like Honda Accord as well as expensive cars like BMW 328i. The company sells through insurance agents.

Auto insurance is an important coverage and should be selected for care. There are smart ways of lowering your auto insurance quotes but cost should not be the only consideration. Act smart and buy a policy as per your needs and from a reputable carrier.

8. Progressive Auto Insurance 

Progressive Auto Insurance is one of the largest car insurers in the US. They offer extremely competitive rates for the entire spectrum of drivers, young, old, good and even bad drivers. 

Insurance Dodo Logo

Cheapest Auto Insurance Quotes in Your Area

Don't Settle On Your First Quote. Compare Providers & Shop Around For the Best Rate in Under 2 Minutes.

Comparison quotes are quick, easy, and free!

9. GEICO Auto Insurance

What is not to love about a company that has an adorable green gecko as its mascot! Geico is one of the largest auto insurance companies in the US by making everything available online and easy to use. They have extremely competitive rates and do a good job with keeping their customers happy. 

10. Apparent Insurance 

Apparent Insurance is a smaller and newer car insurance company. Offering competitive rates and good customer service they are an up and coming insurer you may want to consider. 

Honorable Mentions

Wawanesa Car Insurance

Avoid

Fred Loya Insurance

Cost U Less Insurance


3 thoughts on “Top 10 Auto Insurance Companies In California”

  1. Pingback: Comparison of Cheapest Car Insurance in California by Company

  2. Pingback: Hail Damage Car Insurance - A Comprehensive Article

  3. Automobile Club of Southern California is a totally separate company than the California State Automobile Association.

Leave a Comment

Your email address will not be published. Required fields are marked *

RSS
Follow by Email
LinkedIn
Share
Scroll to Top