Buying Low Cost Auto Insurance in California

Finding low-cost auto insurance in California can feel tricky given the state's above-average rates, but it's very doable if you approach it the right way. Here's how to shop smart.

Know the state minimum — and what's optional

As of January 1, 2025, California requires bodily injury liability of $30,000 per person and $60,000 per accident, plus $15,000 in property damage liability. The state does not require uninsured/underinsured motorist coverage, comprehensive, or collision coverage, though we'd still recommend considering uninsured motorist coverage given how common it is to encounter an uninsured driver.

Source: California DMV, "Auto Insurance Requirements."

Review your driving record and current policy first

Pull a copy of your driving record before you start shopping — it has a large impact on your quotes, and it's worth checking for mistakes. If you already have a policy, know exactly what coverage you currently carry so you can compare new quotes apples-to-apples rather than accidentally downgrading your coverage to get a lower number.

Consider optional coverage carefully

A few optional coverages are worth weighing even when you're focused on cost:

Uninsured/underinsured motorist coverage — pays your medical and property bills if you're hit by a driver with no insurance, or not enough of it.
Personal Injury Protection (PIP) — covers your medical bills regardless of fault; worth considering if you don't have health insurance or your plan excludes auto accidents.
Comprehensive and collision — pays for damage to your own vehicle. Usually worth it on a newer or financed car, less so on an older vehicle worth only a few thousand dollars.

Ask about pay-per-mile coverage

California allows insurers to offer pay-per-mile insurance, tracked through odometer readings rather than a telematics device. If you drive relatively few miles a year, it's worth asking a carrier whether this option would beat a standard policy for you.

Shop smart, not just cheap

A loyalty discount can feel like a good deal, but it can still lose to a competitor's lower starting rate — don't be afraid to shop around even if it means giving one up. The vehicle you drive matters too: a high-horsepower sports car costs noticeably more to insure than an ordinary sedan with anti-lock brakes and an anti-theft device. And always ask every carrier what discounts they offer — low-risk occupation, multi-policy, senior, and driver-safety-course discounts aren't always applied automatically.

Compare quotes properly

Get quotes from several carriers using our site, then check that each one offers the same policy term, the same liability limits, and reflects your correct driving record before comparing the price. Once you've confirmed you're comparing like for like, pick the one that works for you.

CarInsuranceHub editorial team. Last reviewed: September 16, 2026.