California Insurance
California is unique. It prohibits insurers from using your credit score to set rates, but traffic density makes it one of the priciest states.
State Minimums (15/30/5)
California has some of the lowest liability limits in the nation. This is dangerous for you. If a driver sues you for $50k, your insurance stops paying at $15k.
Liability Limits
*We strongly recommend increasing this to 100/300/100.
Prop 103: No Credit Checks
Good news for drivers with bad credit: California law bans insurers from using your FICO score to set your rate. They must base your premium mainly on:
- Driving Record
- Annual Mileage
- Years of Driving Experience
How Much Does It Cost?
Despite the protections, California is expensive due to repair costs and litigation.
- State Average: $2,290 / year
- Cheapest Carrier: Geico (often) and Wawanesa.
Rates by City
Where you live (Zip Code) is a huge factor. Los Angeles is roughly 30% more expensive than Redding.