Cheapest Full Coverage Auto Insurance in California 2023

Having car insurance is mandatory for Californian car owners. Among the choices of car insurance types, full coverage auto insurance offers better protection. However, this insurance is rather expensive. Thankfully, you can save money with the cheapest full coverage auto insurance in California.

The cheapest full coverage auto insurance is a great option for you who plan to switch your car insurance to get comprehensive coverage at a low cost. You can switch the insurance when it is time for renewal or before that time. 

The Advantages of Switching to Full Coverage Auto Insurance

Many Californian car owners think that having minimum-coverage car insurance is enough to protect them from financial loss due to car accidents. However, later on, they find out that they need more than minimum coverage auto insurance.

Consequently, they must switch to full coverage auto insurance. Switching to this type of insurance will give you some advantages.

  • Full coverage auto insurance covers the repair costs of your damaged car resulting from bad weather, theft, and accidents.
  • This insurance covers the damage you cause to other people’s property or cars.
  • It covers the medical bills of others who get injuries because of your car accidents.
  • Switching your car insurance to the cheapest full coverage auto insurance in California can help you save out-of-pocket auto insurance costs.

Full Coverage Car Insurance in California: Average Rates

How much is the average cost of full-coverage car insurance in California? The average cost for this insurance is $2,291 per year or about $191 per month. 

According to research, the average cost of full coverage car insurance in California is $277 higher than the yearly national average. In other words, the average cost of full coverage car insurance in the US is $2,014 per year or $168 per month. 

However, it doesn’t mean that you cannot get full coverage car insurance in California which cost is lower than the California average or national average. It is because some insurance companies offer low-cost full coverage auto insurance California policies.

Factors that Affect Full Coverage Auto Insurance

Several factors affect the cost of full coverage car insurance in California.  Below are some of them.

1. Age of the Drivers

The full coverage auto insurance premiums for younger drivers are generally more expensive. Drivers aged 20s must pay higher insurance premiums than drivers aged 30s do.

2. Driving Records

Driving records also affect the premiums of car insurance. Drivers who get speeding tickets, at-fault crashes, and DUI or DWI cases must pay high car insurance premiums. Meanwhile, those with clean driving records pay less car insurance premiums

The Best and Cheapest Full Coverage Auto Insurance in California

Before you decide which Californian full coverage car insurance policy to buy, you must compare the insurance cost of the insurance policies available in the market. Below are the best and cheapest full coverage auto insurance in California.

1. Cheapest Full Coverage Car Insurance for Drivers aged 20

If you are in your 20s and looking for the cheapest full coverage car insurance, you must purchase the insurance from State Farm. This insurance company sells this car insurance at $1,702 per year for drivers with clean driving records.

Below is a comparison of cheap full coverage auto insurance rates for drivers aged 20s with clean driving records.

Insurance CompaniesMonthly Cost Annual Cost
State Farm$142$1,702
Mercury$156$1,866
Auto Club of SoCal$162$1,940
Geico$150$1,799
Wawanesa$159$1,909

2. Cheapest Full Coverage Car Insurance for Drivers aged 30

Car insurance companies sell low car insurance premiums to drivers aged 30 with clean records. The most affordable full coverage auto insurance for 30-year-old drivers is from Mercury. This insurance company charge 30-year-old drivers $1,023/ year.

Meanwhile, other Californian car insurance companies sell full coverage auto insurance at slightly higher rates. 

Insurance CompaniesMonthly CostAnnual Cost
Mercury$85$1,023
Auto Club of SoCal$95$1,138
Geico$89$1,067
CIG$105$1,263
Workmen’s Auto$101$1,211

3. Cheapest Full Coverage Car Insurance for Drivers aged 40

Drivers aged 40 with clean driving records can have Californian full coverage auto insurance at as low as $997 per year from Mercury. In general, the full coverage car insurance rates for drivers aged 40 are almost as high as those for drivers in their 30s.

The following table shows cheap full coverage car insurance for Californian drivers who are in their 40s.

Insurance CompaniesMonthly CostAnnual Cost
Mercury$83$997
Workmen’s Auto$99$1,185
Auto Club of SoCal$89$1,069
Grange Insurance Association$98$1,171
Geico $86$1,037

4. Cheapest Full Coverage Car Insurance for Drivers aged 50

The full coverage car insurance rates for 50-year-old drivers with clean driving records are not far too different from those for 40-year-old drivers. The cheapest full coverage auto insurance rate for the former is $945 a year. Mercury is the one who issues this cheap insurance.

Other insurance companies in California sell this insurance at slightly higher costs. The list of cheap full coverage auto insurance is as follows.

Insurance CompaniesMonthly CostAnnual Cost
Mercury$79$945
Geico$84$1,103
21st Century$90$1,182
Auto Club of SoCal$88$1,056
Grange Insurance Association$93$1,117

5. Cheapest Full Coverage Car Insurance for Drivers aged 60

Many insurance companies in California offer affordable full coverage auto insurance for 60-year-old drivers with clean driving records. Among these companies, Mercury offers the lowest rate, i.e., $955 per year. 

Below is the list of full coverage auto insurance rates for 60-year-old drivers with clean driving records

Insurance CompaniesMonthly CostAnnual Cost
Mercury$80$955
Geico$83$995
21st Century$85$1,020
Auto Club of SoCal$82$984
State Farm$88$1,052

Cheapest Full Coverage Auto Insurance for Californian Drivers with Bad Diving Records

Bad driving records will increase your car insurance rates rather drastically. Below are the cheapest full coverage car insurance rates in California for drivers with bad driving records.

Insurance CompaniesDrivers AgeDriving RecordsMonthly CostAnnual Cost
CIG50One at-fault crash$125$1,504
CIG40One at-fault crash$130$1,566
CIG30One at-fault crash$135$1,623
National General50DUI$128$1,533
National General40DUI$127$1,527
National General30DUI$134$1,604

The cheapest full coverage auto insurance in California can help you save lots of money per year.  The best insurance company to get this low-cost insurance is Mercury. This company has many affordable full coverage auto insurance policies to offer.


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