Research shows California’s most and least expensive ZIP codes, cheapest carriers, costs to add teen drivers, rates for seniors and rankings for best car insurance companies in the state.


Foster City, CA – September 11, 2019 – just published a valuable resource for people who need to insure a vehicle in California. The guide provides details on risk factors ignored and considered by California carriers, average premium costs and specific rate information by age, gender, coverage level and ZIP code.


The article includes tools enabling consumers to determine how much car insurance they need and quickly search for customized rates in their area. This resource teaches people how to buy the best car insurance for their situation and explains how California’s state insurance and traffic laws are applied.


Highlights from this research:

  • California is one of the few states where your credit history isn’t factored into your car insurance rate.
  • Auto insurance carrier algorithms for risk assessments result in significant premium quote differences. For example the difference between the highest and lowest rates in one ZIP code is $2,327 annually, with the highest rate 194% of the lowest rate.
  • It may only pay to buy collision and comprehensive insurance for your older car if it is work $3,000 or more.
  • Golden State drivers with one “at-fault” accident can save up to $2,000 by comparing car insurance companies. The difference between the lowest rate and highest rate for those with speeding tickets is an average of $1,320, which is how much you overpay if you don’t shop your policy
  • It can cost as much as $5,474 per year to add a teen driver to your auto insurance policy, but the cost ranges significantly.
  • Interstate-5 had the highest number of fatal accidents in California, according to the National Highway Traffic Safety Administration’s most recent data.


California recently joined five other states that ban consideration of gender when setting rates. Under the state’s Proposition 103, drivers meeting certain conditions must receive a discount of at least 20% versus drivers who fail to meet specified criteria. View the complete guide: California Car Insurance Editorial Director Michelle Megna is available for comment on this research.


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Media contacts

Michelle Megna




Liberty Communications for QuinStreet
Rick Judge, 415-429-5652