Here at CarInsurance.com, meeting your needs is the highest priority for our team of insurance analysts and experts. That’s why we do the research for you, so you can quickly and easily buy coverage with confidence. Our guide to finding the cheapest car insurance rates will help you find a policy that fits your particular situation while providing the coverage you need to be fully protected. Our car insurance comparison guide outlines everything you need to know to shop for a policy without overpaying.
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Carinsurance.com’s rate analysis of up to six major insurers in nearly every ZIP code shows that you can save an average of $1,127 annually on a full coverage policy by comparing car insurance companies.
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How do I compare car insurance quotes?
To get the lowest price on your car insurance, you need to compare auto insurance quotes to see which company has the most affordable rate. The cost of a policy can differ by hundreds, sometimes thousands, of dollars. Insurance companies use different methods when deciding how much you pay, so each will have a different price for your coverage. CarInsurance.com Consumer Analyst Penny Gusner offers the following expert advice on comparing car insurance quotes:
- Assess your coverage needs and decide how much insurance to buy
- Compare the exact same coverage level
- Compare at least three different auto insurance companies
- Research customer satisfaction and claims handling, don’t choose only on price
- Don’t cancel your existing coverage until you have a new policy in place
Best times to compare car insurance rates
Assess your car insurance cost at these times, when your rates are likely to change:
- Purchasing a car
- Adding or removing a driver from a policy
- Marriage or divorce
- Moving
- Adding a teen driver
- Buying a house
- DUI or major violation
- Accident
- Change in credit score
GET CAR INSURANCE NEAR ME
CarInsurance.com lets you shop for car insurance near you. Auto insurance costs vary by where you live. Claims after vehicle accidents and thefts in your area play a role in how much you pay for coverage. You can see average rates for your age, location and preferred coverage level by entering your information in the rate by ZIP code tool below. You’ll also see the highest and lowest rates from up to six major insurers. The difference is what you can potentially save by comparison shopping.That way, you know what you can expect to spend when buying a policy.
California Car Insurance Rates by ZIP Code
Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.
State Minimum:
Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.Liability Only 50/100/50:
$50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.Full Coverage 100/300/100:
$100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
94404
Foster City
For 30 Year Old Male (Type: Liability - Minimum )
Average Monthly Premium
$46
Highest Rate
$56/mo.
Lowest Rate
$26/mo.
MOST & LEAST EXPENSIVE ZIP CODES in California
| MOST EXPENSIVE PER MONTH |
|---|
| 91205 - Glendale: $91 |
| 90038 - Los Angeles: $91 |
| 90212 - Beverly Hills: $91 |
| 91203 - Glendale: $90 |
| LEAST EXPENSIVE PER MONTH |
|---|
| 96107 - Coleville: $33 |
| 93513 - Big Pine: $34 |
| 96093 - Weaverville: $34 |
| 96027 - Etna: $34 |
How we researched it?
CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2017 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers. Averages for the default result are based monthly insurance for a male driver, age 30, for state minimum required liability coverage. Averages for customized rates are based on drivers’ ages and gender for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
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Ask the Car Insurance Expert
Penny Gusner Consumer Analyst
Penny Gusner is an expert on car insurance rates, policies, procedures and claims,
with over a decade of experience answering reader questions and giving you the information you need to make
smart insurance decisions. Penny will personally respond to your question by email.