Information on Car Insurance in California: Requirements, Cost, and Popular Car Insurance Companies
Minimum Required Car Insurance in California Law:
Most states have some sort of car insurance requirement. Car insurance in California is no exception. The government knows that car accidents are very costly and very dangerous for everyone. Usually, they will have 1 or more requirements in three categories: liability, personal injury protection, and uninsured motorist protection. You can find out more about these types of insurance by clicking on the links below. In this state, these types of insurance are required:
Most Popular Car Insurance Companies in California:
Curious about what companies are popular in your state? You can always ask your neighbors, but that’s a pretty small sample size. Here we have the most common car insurance companies for the entire state! Some of the results may surprise you.
- State Farm
- Farmers
- Berkshire Hathaway
- Allstate
- Auto Club Enterprises (AAA)
Car Insurance California Average Cost:
Collision Insurance Cost in California:
Average Collision Insurance Cost: $396.55
Average Collision Insurance Cost for the US: $322.61
Comprehensive Insurance Cost in California:
Average Comprehensive Insurance Cost: $100.54
Average Comprehensive Insurance Cost for the US: $148.04
State Population Statistics:
Population density is important to insurance companies because of the additional risk with lots of people. When there are lots of people, that means here are lots of cars and trucks. The probability of having an accident increases. Let’s see how dense your state is in comparison with the rest of the United States.
Average Population Density: 248 people per square mile, 97.5% in metro areas
Average Population Density for the US: 90 people per square mile, 83.7% in metro areas
Vehicle thefts are important to insurance companies because they correlate with crime in the area. They indicate a higher or lower risk of theft. When the probability of vehicle theft increases, the insurance companies may charge a higher premium to provide insurance. They need to collect this additional money to cover the increased number of thefts.
Average Number of Vehicle Thefts/1000 Autos: 5.45 thefts
Average Number of Vehicle Thefts/1000 Autos Across the US: 2.74 per 1000 vehicles
If an area has a high number of fatal accidents, it may indicate that people in that area are less defensive drivers. The bottom line is that your chance of getting into an accident is related to the number of fatal accidents around you. Of course, we all want to avoid these accidents, but the insurance companies want to take it into account when deciding on your risk while driving. When this risk goes up, their cost increases, too. The company has to pass along some of this risk so they can continue to stay in business.
Average Number of Fatal Accidents/1000 Autos: 0.92 fatal accidents
Average Number of Fatal Accidents/1000 Autos Across the US: 1.08 accidents per 1000 vehicles
*all data from the National Association of Insurance Commisioners: 2015/2015 Auto Insurance Database Report and 2017 Market Share Reports
For more free resources and information on car insurance, visit our home page
More Information on Car Insurance in California
It’s really amazing how much information is available out there these days. Technology has made it so easy for people to quantify anything. For example, California has the second most miles of road to drive. There are 394,608 miles of roads, which is second only to Texas, according to the Federal Highway Administration.
That being said, California has the most automobiles by far. According to Statista.com, there were almost 15 million cars in California in 2016. Maybe as a result, Los Angeles has been rated as the city with the most traffic in the United States many times.
With so many cars, so much traffic, and so many roads, almost everyone has a car and drives around. So all of us will need car insurance. This can be a big expense, so how can we decrease our costs?
Decreasing car insurance cost
First, you can compare compare car insurance California average cost on this website. Look at the numbers above and then get your car insurance in California quotes by entering your zip code in the box to the right. Then, take a look at some of the other issues below.
More youthful drivers have always recently been a victim of high premiums when it comes to taking out young car drivers insurance. When this has been the case premiums could climb higher after it was announced that very few young drivers take responsibility for high accident rates and neglect to change their behavior whilst driving which many consider being dangerous driving.
A recent study revealed that around 44% of California’s young drivers believed that golden-agers were not safe on the road and 63% said that harsher actions should be in power such as taking away their license and a ban on driving. Crash rates are soaring and younger drivers are blaming older drivers and are also failing to pay attention to safety precautions and change their own ways even though on the road.
On the other hand, about 45% of young motorists aged between 17 and 23 questioned believed they were safe drivers and despite the fact that that was their little experience on the road classed themselves as confident in their driving ability. Despite their insistence younger drivers have been associated with high accident rates and one very good reason why could be the truth that one in four young male drivers have openly admitted to traveling their car after taking the drink or taken drugs. A staggering 44% publicly stated they have climbed into the car a period of time after a heavy drinking session.
What does this mean for California drivers?
While these findings do suggest that younger drivers are a higher risk, many believe they are targeted wrongly. The insurance companies may think young people unfairly need to pay higher premiums for their automobile insurance. However, there are many young drivers out there that are conscious of the law and follow safety rules very carefully. These drivers should check rates on this website, and then consider consulting an expert broker when it comes to looking for the cheapest young drivers insurance.
An experienced professional broker will be able to conduct research online centered on those offering car insurance for teen drivers. They can find cheaper rates with added incentives in California. Along with finding cheaper insurance payments for the younger rider, the individual may really think about these specifics. Also, a specialist is likely to make available more information for the younger driver to help to keep the price tag on the premiums down.
The best vehicle insurance for less in California
Participating in a professional driving course, which is especially aimed at the younger driver can produce a difference to the price you are going to pay. Also, other factors make a difference. For example, the engine size, make, and model of car that the younger new driver wishes to insure all play a role. As we talked about before, proving that you are one of the protection conscious younger motorists is a good way of lowering the expense. Furthermore, make sure that you remain safe and accident-free on the road.
As with any type of insurance policies, young drivers insurance being no exception, you have to check the small print of the plan before signing anything. Omissions can be found in the small print, but it will surely also tell you what is and is not covered. The contract should also state how much the insurance will cost.
We hope this article on car insurance in California has helped you! Now we can get you car insurance in California quotes instantly and easily. You don’t even need to enter any personal information! Just enter your zip code below. It’s free!
For more free resources and information on car insurance, visit our home page
Compare auto insurance rates instantly for free! No credit card or personal information needed. Enter your zip code below:
