Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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California Statistics SummaryDetails
Road MilesTotal in State: 225,531
Vehicle Miles Driven: 332.9 Billion
Driving DeathsSpeeding: 1,070 - 30%
Drunk Driving: 1,120 - 31%
VehiclesRegistered: 27,872,875
Total Stolen: 151,852
Most Popular VehicleHonda Civic
Average Premiums (Annual)Liability: $490
Collision: $397
Comprehensive: $101
Combined Premiums: $987
Percent of Motorists Uninsured15.2%
State Rank: 12th
Cheapest ProviderUSAA
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California is famous for fame itself. From the entertainment industry in Hollywood to the tech and media giants of Silicon Valley to the 55 electoral college votes it boasts, California has a knack for always being at the forefront of the conversation in contemporary American dialogue.

The Eureka State sure knows how to grab and keep our attention. And why shouldn’t we pay attention to a state that is home to so many iconic brands? Warner Brothers Studios, MGM Studios, Sony Pictures, Disneyland, Apple, Google, Facebook, UCLA Men’s Basketball, USC Football, the Los Angeles Lakers, the Los Angeles Dodgers, the Golden State Warriors, the San Francisco 49ers, and so many more.

With so many titans of tech, sports, media, and entertainment laying roots in the Golden State, it is no wonder California gets so much love (and hate).

From Oakland to Sactown (Sacramento), the Bay Area and back down, everyone is on a mission to find the most affordable car insurance for his or her situation.

Enter your ZIP code now to get the best auto insurance rates in the state of California!

Table of Contents

California Insurance Coverage and Rates

Rummaging through all the data to find the most pertinent nuggets of information on all the car insurance companies in California can hardly be described as a glamorous task.

The good news is we’ve taken all the pomp and circumstance out of the research process for you. By utilizing this helpful guide, you’ll ensure that you can get quality car insurance that’s right for you without having to have been born with a silver spoon in your mouth.

We’ll help you to know what the Golden State requires, what you may desire, and where you can get it at the best rates possible for your circumstance.

California Minimum Coverage

California is a fault state (also commonly known as “tort”), meaning the person who is found to be responsible for causing the auto accident is also legally and financially responsible for any subsequent damages.

All drivers in California are required to carry minimum liability insurance levels of 15/30/5 to satisfy basic overage. This means that car owners must carry the following minimum levels of liability insurance:

  • $15,000 for bodily injury or death per person in an accident caused by the owner of the insured vehicle
  • $30,000 for total bodily injury or death per accident caused by the owner of the insured vehicle
  • $5,000 for property damage per accident caused by the owner of the insured vehicle

Drivers in California have the option to purchase Medical Payments Coverage (Med Pay) of at least $1,000 to cover medical expenses after a crash regardless of who causes the car crash.

As long as you were not at fault in an automobile accident, insurance companies cannot raise your insurance rates for activating your insurance benefits, including Med Pay coverage.

The state of California does not require you to carry Uninsured/Underinsured Motorist coverage, but it might not be a bad idea for you to add it to your base coverage.

The onus is on each individual motorist on how much risk he or she is willing to assume. One must decide if the extra dozens of dollars a month he or she saves from foregoing Uninsured/Underinsured Motorist coverage is worth the potential tens of thousands of dollars of personal liability to which one would be exposed in litigation in the case of an at-fault accident.

If a driver has substantial assets that he or she desires to protect, he or she should consider increasing his or her liability coverage.

The experts at the Wall Street Journal advise would advise that if you do choose to purchase liability coverage make sure to increase the limits to 100/300/50.

Next, we will explore how much money drivers in California spend on average for their car insurance. The amount you will actually pay will more than likely differ from these stated amounts; however, this data should serve as a helpful blueprint that you can apply to your current situation with confidence.

Rates as a Percentage of Income in California

The late comedian Fred Allen once bemoaned, “An income tax form is like a laundry list – either way, you lose your shirt.”

This kidding-not-kidding joke captures America’s love-hate (and really only hate) relationship with income taxes because of how they affect one’s Disposable Personal Income (DPI), which is the amount of money left over after paying taxes.

Insurance as % of IncomeIncome & Rates
Annual full coverage average premiums$951.75
Annual per capita disposable personal income$43,978.00
Monthly full coverage average premiums$79.31
Monthly per capita disposable personal income$3,664.83
Percentage of income2.16%
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You are mandated by law to carry at least the basic liability coverage. Full coverage refers to a policy that includes liability, comprehensive, and collision insurance. Here’s a peek at the average cost of each:

California Average Annual Rates Compared to National Average
Coverage TypeCalifornia AverageNational Average
Collision$397$323
Comprehensive$101$148
Liability$490$539
Full coverage$988$1,009
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Now that we have sorted through some data about auto insurance costs to the individual consumer, let’s take a look at some important statistics about the insurance companies themselves.

Loss Ratio

First, let’s examine loss ratio and what it means for your insurance. What exactly is a loss ratio? How and why does it affect your premiums?

The insurance loss ratio is the proportionate relationship of incurred losses to earned premiums expressed as a percentage. A high loss ratio means that an insurance company has too many customers filing claims, which will subsequently lead to a rise in future premiums for all consumers.

For example, an auto insurer collects $100,000 of premiums in a given year and pays out $25,000 in claims, the company’s loss ratio is 25 percent ($25,000 incurred losses/$100,000 earned premiums).

Add-ons, Endorsements, Riders

Just over 15 percent of drivers in California (15.2 percent to be precise) are driving without insurance, which ranks as the 12th highest percentage in the nation.

The California Department of Insurance has created the Automobile Insurance Information Guide as a thorough and useful reference of all the insurance enhancements available to you, complete with tips and tidbits on how to select from among the many options.

Pay-by-the-mile auto insurance plans offered by companies like Metromile are increasingly popular and available in the California Commonwealth.

Other Usage-Based Insurance programs (UBI) are active and available to drivers in California. Programs like SmartRide from Nationwide or Drive Safe & Save from State Farm offer discounts to drivers based on your driving acumen.

In addition to these add-ons, there are several more optional enhancements that you can explore to decide which ones may be right for you:

Male Vs. Female Rates in California

California boasts scores of Leading Men and Leading Ladies as permanent residents of the state. If you’re as curious as I am, you may catch yourself, from time-to-time, about the following question: Which group gets better auto insurance quotes? California Bros or California Girls?

Only one way to find out. Let’s take a look at the data.

CompanyAnnual Rates for Single 17-year old femaleAnnual Rates for Single 17-year old maleAnnual Rates for Single 25-year old femaleAnnual Rates for Single 25-year old maleAnnual Rates for Married 35-year old femaleAnnual Rates for Married 35-year old maleAnnual Rates for Married 60-year old femaleAnnual Rates for Married 60-year old male
Allstate Northbrook Indemnity$8,098.88 $10,188.73 $3,742.44 $4,115.50 $2,921.24 $2,923.87 $2,126.03 $2,148.03
AMCO Insurance$8,318.27 $9,186.72 $3,904.76 $3,858.43 $3,272.83 $3,124.42 $2,863.68 $2,699.52
Farmers Ins Exchange$8,667.08 $14,189.14 $3,218.46 $3,585.17 $2,715.31 $2,715.31 $2,451.83 $2,451.83
Geico General$5,433.56 $5,529.48 $2,566.22 $2,624.98 $1,786.81 $1,787.80 $1,680.52 $1,680.52
SAFECO Ins Co of America$5,014.43 $5,348.46 $2,593.72 $2,620.60 $2,303.99 $2,177.93 $2,145.20 $2,077.01
State Farm Mutual Auto$6,089.50 $7,555.39 $3,663.92 $3,777.69 $3,310.18 $3,310.18 $2,957.44 $2,957.44
Travelers Commercial Ins Co.$5,165.60 $5,906.73 $3,249.64 $3,179.78 $2,497.45 $2,417.86 $2,206.26 $2,182.92
United Financial Casualty$4,767.78 $5,748.65 $2,576.92 $2,771.33 $1,785.37 $1,837.82 $1,518.62 $1,802.64
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Here’s a look at the Most Expensive Demographic rates in the Golden State. Where do you fit in the grand scheme of things? Which company is the best value for you and your family?

CompanyDemographicAverage Annual Rate
Farmers Ins ExchangeSingle 17-year old male$14,189.14
Allstate Northbrook IndemnitySingle 17-year old male$10,188.73
AMCO InsuranceSingle 17-year old male$9,186.72
Farmers Ins ExchangeSingle 17-year old female$8,667.08
AMCO InsuranceSingle 17-year old female$8,318.27
Allstate Northbrook IndemnitySingle 17-year old female$8,098.88
State Farm Mutual AutoSingle 17-year old male$7,555.39
State Farm Mutual AutoSingle 17-year old female$6,089.50
Travelers Commercial Ins Co.Single 17-year old male$5,906.73
United Financial CasualtySingle 17-year old male$5,748.65
Geico GeneralSingle 17-year old male$5,529.48
Geico GeneralSingle 17-year old female$5,433.56
SAFECO Ins Co of AmericaSingle 17-year old male$5,348.46
Travelers Commercial Ins Co.Single 17-year old female$5,165.60
SAFECO Ins Co of AmericaSingle 17-year old female$5,014.43
United Financial CasualtySingle 17-year old female$4,767.78
USAA CICSingle 17-year old male$4,428.83
USAA CICSingle 17-year old female$4,404.58
Allstate Northbrook IndemnitySingle 25-year old male$4,115.50
AMCO InsuranceSingle 25-year old female$3,904.76
AMCO InsuranceSingle 25-year old male$3,858.43
State Farm Mutual AutoSingle 25-year old male$3,777.69
Allstate Northbrook IndemnitySingle 25-year old female$3,742.44
State Farm Mutual AutoSingle 25-year old female$3,663.92
Farmers Ins ExchangeSingle 25-year old male$3,585.17
State Farm Mutual AutoMarried 35-year old female$3,310.18
State Farm Mutual AutoMarried 35-year old male$3,310.18
AMCO InsuranceMarried 35-year old female$3,272.83
Travelers Commercial Ins Co.Single 25-year old female$3,249.64
Farmers Ins ExchangeSingle 25-year old female$3,218.46
Travelers Commercial Ins Co.Single 25-year old male$3,179.78
AMCO InsuranceMarried 35-year old male$3,124.42
State Farm Mutual AutoMarried 60-year old female$2,957.44
State Farm Mutual AutoMarried 60-year old male$2,957.44
Allstate Northbrook IndemnityMarried 35-year old male$2,923.87
Allstate Northbrook IndemnityMarried 35-year old female$2,921.24
AMCO InsuranceMarried 60-year old female$2,863.68
United Financial CasualtySingle 25-year old male$2,771.33
Farmers Ins ExchangeMarried 35-year old female$2,715.31
Farmers Ins ExchangeMarried 35-year old male$2,715.31
AMCO InsuranceMarried 60-year old male$2,699.52
USAA CICSingle 25-year old female$2,670.51
Geico GeneralSingle 25-year old male$2,624.98
SAFECO Ins Co of AmericaSingle 25-year old male$2,620.60
SAFECO Ins Co of AmericaSingle 25-year old female$2,593.72
United Financial CasualtySingle 25-year old female$2,576.92
Geico GeneralSingle 25-year old female$2,566.22
USAA CICSingle 25-year old male$2,523.86
Travelers Commercial Ins Co.Married 35-year old female$2,497.45
Farmers Ins ExchangeMarried 60-year old female$2,451.83
Farmers Ins ExchangeMarried 60-year old male$2,451.83
Travelers Commercial Ins Co.Married 35-year old male$2,417.86
SAFECO Ins Co of AmericaMarried 35-year old female$2,303.99
Travelers Commercial Ins Co.Married 60-year old female$2,206.26
Travelers Commercial Ins Co.Married 60-year old male$2,182.92
SAFECO Ins Co of AmericaMarried 35-year old male$2,177.93
Allstate Northbrook IndemnityMarried 60-year old male$2,148.03
SAFECO Ins Co of AmericaMarried 60-year old female$2,145.20
Allstate Northbrook IndemnityMarried 60-year old female$2,126.03
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While you cannot ever put a price on independence, it’s if you’re an independent woman who is single and 17 in California, you’re going pay to over four times as much be insured with USAA than a married 35-year-old woman.

California Insurance Rates by Zip Code

Which area has better car insurance rates, the Hollywood Hills or San Fernando Valley? East Bay or Palo Alto? La Jolla or Rancho Bernardo?

Let’s find out by taking a look at the most expensive zip codes in California. Here is a chart with the most expensive average annual premiums in California by zip code:

25 Most Expensive Zip Codes in California CityAnnual Average by Zip CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
90004LOS ANGELES$5,928.00Allstate$8,189.47Nationwide$8,127.33USAA$3,847.79Progressive$4,373.15
90005LOS ANGELES$6,040.60Allstate$8,065.54Nationwide$8,057.13USAA$4,004.33Progressive$4,592.87
90010LOS ANGELES$6,201.00Nationwide$8,610.21Allstate$8,225.60USAA$4,226.92Liberty Mutual$4,883.02
90017LOS ANGELES$5,898.73Allstate$8,014.89Nationwide$8,005.94USAA$3,945.10Liberty Mutual$4,632.60
90020LOS ANGELES$6,132.45Nationwide$8,382.09Allstate$8,360.06USAA$4,004.33GEICO$4,512.30
90027LOS ANGELES$5,897.67Nationwide$8,413.29Allstate$8,189.47Progressive$4,012.84USAA$4,015.30
90028LOS ANGELES$6,063.25Allstate$8,360.06Farmers$8,208.73USAA$4,004.33GEICO$4,393.74
90029LOS ANGELES$5,934.84Farmers$8,227.86Allstate$8,197.40USAA$3,735.84GEICO$4,161.04
90038LOS ANGELES$6,048.15Nationwide$8,518.96Allstate$8,360.06USAA$3,693.78GEICO$4,309.89
90046LOS ANGELES$6,045.78Allstate$8,225.60Nationwide$8,193.23USAA$3,966.93GEICO$4,399.92
90048LOS ANGELES$5,877.67Allstate$8,276.46Nationwide$8,189.87USAA$3,719.43GEICO$4,058.38
90057LOS ANGELES$5,894.37Allstate$8,016.78Nationwide$8,012.71USAA$3,847.79Progressive$4,225.65
90069WEST HOLLYWOOD$5,844.28Allstate$8,276.46Farmers$8,037.83USAA$3,671.99Liberty Mutual$4,191.86
90077LOS ANGELES$5,878.05Allstate$8,190.66Farmers$7,517.86Liberty Mutual$3,925.51USAA$4,125.06
90210BEVERLY HILLS$6,324.83Nationwide$8,533.47Allstate$8,190.66Liberty Mutual$4,414.40USAA$4,692.62
90211BEVERLY HILLS$6,199.34Nationwide$8,922.36Allstate$8,190.66USAA$4,245.23Liberty Mutual$4,439.85
90212BEVERLY HILLS$6,041.05Allstate$8,190.66Farmers$7,792.29USAA$4,245.23Liberty Mutual$4,539.22
91201GLENDALE$5,847.26Nationwide$8,736.98Allstate$7,952.29USAA$3,808.95Liberty Mutual$4,011.77
91203GLENDALE$6,086.66Nationwide$9,116.47Allstate$7,952.29USAA$4,004.56Liberty Mutual$4,116.05
91204GLENDALE$6,015.40Nationwide$8,721.88Allstate$7,952.29USAA$4,004.56Liberty Mutual$4,268.49
91205GLENDALE$5,990.19Nationwide$8,439.18Farmers$7,685.36USAA$4,004.56Liberty Mutual$4,296.53
91401VAN NUYS$6,073.88Nationwide$8,651.65Allstate$8,335.75USAA$3,828.03Liberty Mutual$4,506.46
91405VAN NUYS$6,198.55Nationwide$8,789.36Allstate$8,155.64USAA$3,931.76Liberty Mutual$4,683.16
91605NORTH HOLLYWOOD$6,034.64Nationwide$8,737.86Farmers$7,959.34USAA$3,808.95Liberty Mutual$4,383.46
91606NORTH HOLLYWOOD$6,219.57Allstate$8,174.05Farmers$8,102.32USAA$3,931.76Liberty Mutual$4,611.35
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Where does your hometown rank statewide? If it’s not on our list of most expensive zip codes, below are the least expensive zip codes.

25 Least Expensive Zip Codes in California CityAnnual Average by Zip CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
93401SAN LUIS OBISPO$2,731.32Allstate$3,488.65Nationwide$3,336.13Progressive$2,177.96Liberty Mutual$2,285.77
93402LOS OSOS$2,821.16Nationwide$3,411.51Allstate$3,392.02Liberty Mutual$2,324.69Progressive$2,336.39
93420ARROYO GRANDE$2,824.43Nationwide$3,543.40Farmers$3,404.34Progressive$1,980.83Liberty Mutual$2,298.66
93422ATASCADERO$2,865.26Nationwide$3,610.36Farmers$3,438.02Progressive$2,058.51USAA$2,391.21
93427BUELLTON$2,807.43Allstate$3,442.05Nationwide$3,437.39Progressive$2,244.68USAA$2,289.13
93428CAMBRIA$2,774.88Nationwide$3,395.32Allstate$3,380.26Progressive$2,234.71GEICO$2,242.78
93430CAYUCOS$2,850.58Nationwide$3,460.36Allstate$3,361.53Liberty Mutual$2,344.53USAA$2,423.24
93432CRESTON$2,862.60Farmers$3,526.64Allstate$3,487.46Progressive$2,239.41USAA$2,324.62
93433GROVER BEACH$2,834.19Nationwide$3,752.44Allstate$3,468.52Liberty Mutual$2,282.99Progressive$2,297.06
93436LOMPOC$2,843.64Nationwide$3,536.94Allstate$3,462.90GEICO$2,325.67USAA$2,371.77
93437LOMPOC$2,804.27Nationwide$3,512.04Allstate$3,460.07Progressive$2,098.30USAA$2,428.11
93441LOS OLIVOS$2,840.56Nationwide$3,594.51Allstate$3,442.05Progressive$2,327.04USAA$2,426.99
93442MORRO BAY$2,807.97Allstate$3,396.50Nationwide$3,358.53Progressive$2,126.82Liberty Mutual$2,400.87
93444NIPOMO$2,843.90Nationwide$3,495.01Farmers$3,445.56USAA$2,299.41Liberty Mutual$2,337.28
93449PISMO BEACH$2,829.93Nationwide$3,707.40Allstate$3,450.72Liberty Mutual$2,283.28USAA$2,449.96
93452SAN SIMEON$2,858.30Nationwide$3,497.26Allstate$3,487.46Progressive$2,305.34USAA$2,330.63
93455SANTA MARIA$2,877.52Nationwide$3,554.69Allstate$3,453.85GEICO$2,325.67USAA$2,363.73
93463SOLVANG$2,861.18Allstate$3,888.44Nationwide$3,531.47Progressive$2,112.72USAA$2,362.05
93514BISHOP$2,837.87Allstate$3,721.11Farmers$3,446.65Progressive$1,942.71GEICO$2,292.34
96027ETNA$2,882.83Farmers$4,075.76Nationwide$3,501.68Progressive$2,071.13USAA$2,309.58
96032FORT JONES$2,885.83Farmers$4,329.09Nationwide$3,547.47Progressive$2,122.70USAA$2,266.86
96064MONTAGUE$2,840.77Farmers$4,019.73Nationwide$3,532.73Progressive$1,971.09GEICO$2,250.66
96067MOUNT SHASTA$2,777.89Farmers$4,029.52Nationwide$3,347.10Progressive$1,989.83GEICO$2,080.16
96094WEED$2,752.73Farmers$4,037.15Nationwide$3,166.19Progressive$2,000.62GEICO$2,061.72
96097YREKA$2,843.29Farmers$4,020.91Nationwide$3,291.50GEICO$2,197.64Progressive$2,200.87
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California Insurance Rates by City

Wondering what the most expensive city for car insurance is?

10 Most Expensive Cities in California Annual Average by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Beverly Hills$6,188.41Nationwide$8,410.69Allstate$8,190.66USAA$4,394.36Liberty Mutual$4,464.49
Encino$5,744.64Nationwide$8,168.10Farmers$7,766.47USAA$3,757.52GEICO$3,997.59
North Hollywood$5,769.35Allstate$7,921.82Farmers$7,855.52USAA$3,629.33GEICO$4,203.12
Panorama City$5,701.66Farmers$7,975.17Nationwide$7,804.98USAA$3,411.65Progressive$4,107.44
Reseda$5,593.76Farmers$7,828.71Allstate$7,329.09USAA$3,593.77Progressive$4,014.63
Sherman Oaks$5,562.19Allstate$7,945.09Farmers$7,897.13USAA$3,463.15GEICO$4,052.60
Studio City$5,649.18Allstate$8,225.60Farmers$7,795.23USAA$3,438.90Liberty Mutual$4,095.81
Tarzana$5,798.47Farmers$7,945.28Nationwide$7,943.26USAA$3,843.04Liberty Mutual$4,034.36
Valley Village$5,718.12Allstate$8,335.75Farmers$7,716.75USAA$3,752.84Progressive$4,038.01
Van Nuys$5,897.85Nationwide$8,039.20Farmers$7,861.74USAA$3,761.84Progressive$4,503.60
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One of the most famous cities in California, Beverly Hills is also the most expensive city for car insurance. Now let’s see which cities are the cheapest.

10 Least Expensive Cities in California Annual Average by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Arroyo Grande$2,824.43Nationwide$3,543.40Farmers$3,404.34Progressive$1,980.83Liberty Mutual$2,298.66
Buellton$2,807.43Allstate$3,442.05Nationwide$3,437.39Progressive$2,244.68USAA$2,289.13
Cambria$2,774.88Nationwide$3,395.32Allstate$3,380.26Progressive$2,234.71GEICO$2,242.78
Los Osos$2,821.16Nationwide$3,411.51Allstate$3,392.02Liberty Mutual$2,324.69Progressive$2,336.39
Los Ranchos$2,731.32Allstate$3,488.65Nationwide$3,336.13Progressive$2,177.96Liberty Mutual$2,285.77
Morro Bay$2,807.96Allstate$3,396.50Nationwide$3,358.53Progressive$2,126.82Liberty Mutual$2,400.87
Mount Shasta$2,777.89Farmers$4,029.52Nationwide$3,347.10Progressive$1,989.83GEICO$2,080.16
Pismo Beach$2,829.93Nationwide$3,707.40Allstate$3,450.72Liberty Mutual$2,283.28USAA$2,449.96
Vandenberg AFB$2,804.27Nationwide$3,512.04Allstate$3,460.07Progressive$2,098.30USAA$2,428.11
Weed$2,752.73Farmers$4,037.15Nationwide$3,166.19Progressive$2,000.62GEICO$2,061.72
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California Car Insurance Companies

Choosing the correct auto insurance coverage for your budget is an important decision. That decision can become even more difficult to make when you try to compare and contrast the hundreds of different companies vying for your business.

How can you possibly do enough research on each one to feel good about your choice? Well, this is how we do it.

We have combed through all the data and have extrapolated that which most helpful to you in making your choice on the best car insurance company for you.

You should seriously take into account the public reputation and perception of any company from which you’re considering purchasing auto insurance.

An insurer’s public reputation can be a clear indication of the kind of rates it offers to its consumers. We’ll show how the largest companies rate in the areas of financial stability and customer satisfaction.

Financial Ratings in California

AM Best is a credit rating agency. It evaluates insurance companies and grades them based on their financial stability. The table below shows the ten largest insurance companies in California as measured by direct premiums written with their AM Best rating.

CompanyDirect Premiums WrittenAM Best Rating
Allstate Insurance Group$2,446,564 A+
Auto Club Enterprises Insurance Group$2,312,230 A-
CSAA Insurance Group$1,950,257 A
Farmers Insurance Group$3,158,814 A
Geico$2,502,854 A++
Liberty Mutual Group$929,058 A
Mercury Gen Group$2,095,531 A+
Progressive Group$1,147,186 A+
State Farm Group$3,910,351 A++
USAA Group$1,218,792 A++
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Customer Satisfaction Ratings in California

jd-power-rankings-california-region

Companies in California with the Most and Least Complaints

In the ever-growing world of materialism and consumerism, brand loyalty and customer satisfaction long-term can be hard to come by. It takes effort, clear communication, courteous customer service, and consistent delivery of quality service and goods to achieve high customer retention and satisfaction.

If a company cuts corners and leaves the consumer dissatisfied more often than not, that company runs the risk of its customer base moving on to a competitor.

When the consumer is left with a bad taste in his or her mouth from an unpleasant experience with an insurer, he or she can file a complaint. Those complaints, justified or not, are factored into a company’s complaint ratios.

The complaint ratio is how many complaints a company receives per one million dollars of business written.

If you wish to file a complaint against an auto insurer in the state of California, use this online form.

Largest Car Insurance Companies in California

This table gives a representation of the car insurance companies with the largest market share in California.

ProviderPremiums WrittenMarket Share
State Farm$3,910,35114.34%
Farmers Insurance$3,158,81411.59%
Berkshire Hathaway$2,502,8549.18%
Allstate Insurance$2,446,5648.97%
Auto Club Enterprises$2,312,2308.48%
Mercury General$2,095,5317.69%
CSAA Insurance$1,950,2577.15%
United Services$1,218,7924.47%
Progressive$1,147,1864.21 %
Liberty Mutual$929,0583.41 %
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Complaint Ratios for California’s 10 Largest Auto Insurers

Number of Justified Customer Complaints201520162017Total
Access Insurance88263460811
Alliance United12315687366
Allstate Insurance385061149
CSAA Insurance635564182
Geico General924432168
Infinity Insurance867646208
Interinsurance Exchange374342122
Mercury General444238124
State Farm20411977400
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There are just under 770 auto insurance companies registered in the state of California. Of the 770, 99 of them are homegrown; while 671 are transplants.

California Car Insurance Rates by Company

Now, we’re going to compare and contrast the top car insurance companies to see which of them give the best rates on average in California.

California Rates by Carrier and Commute

Company10-mile Commute/6,000 Annual Mileage25-Mile Commute/12,000 annual mileage
Allstate$4,086.25 $4,979.93
Farmers$4,535.69 $5,198.37
Geico$2,621.93 $3,150.55
Liberty Mutual$2,786.10 $3,284.23
Nationwide$4,108.79 $5,198.37
Progressive$2,587.19 $3,115.09
State Farm$4,049.89 $4,355.54
Travelers$3,014.07 $3,687.49
USAA$2,482.96 $2,906.28
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California Rates by Carrier and Coverage Level

CompanyHigh Coverage (Annual)Medium Coverage (Annual)Low Coverage (Annual)
Allstate$4,739.46$4,572.72$4,287.09
Farmers$5,307.39$5,038.58$4,651.83
Geico$3,127.30$2,918.49$2,612.92
Liberty Mutual$3,219.54$3,061.95$2,824.01
Nationwide$5,046.66$4,734.55$4,179.52
Progressive$3,061.73$2,936.65$2,555.04
State Farm$4,541.30$4,273.41$3,793.44
Travelers$3,687.46$3,440.36$2,924.52
USAA$2,892.32$2,746.50$2,445.05
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California Rates by Carrier and Driving Record

Accumulating points on your license will have a negative impact on your car insurance rates. How severely depends on the company. Each company uses its own underwriting metrics when assessing risk. Here is a quick look at how top car insurance companies in California price various driving infractions:

CompanyClean RecordWith 1 Speeding ViolationWith 1 AccidentWith 1 DUI
Allstate$2,728.84$3,582.21$4,597.86$7,223.45
Farmers$3,697.25$4,998.06$5,033.47$6,268.29
Geico$2,018.18$2,503.62$3,114.92$3,908.23
Liberty Mutual$2,634.50$2,791.65$3,529.11$3,185.41
Nationwide$3,246.63$4,162.31$4,162.31$7,043.06
Progressive$1,865.51$2,687.54$3,171.49$3,680.03
State Farm$2,998.34$3,480.06$3,576.40$6,756.08
Travelers$2,234.04$3,290.14$3,644.10$4,234.85
USAA$1,790.02$1,960.95$2,664.41$4,363.10
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California Rates by Carrier and Demographic

CompanyDemographicAverage Annual Rate
Farmers Ins ExchangeSingle 17-year old male$14,189.14
Allstate Northbrook IndemnitySingle 17-year old male$10,188.73
AMCO InsuranceSingle 17-year old male$9,186.72
Farmers Ins ExchangeSingle 17-year old female$8,667.08
AMCO InsuranceSingle 17-year old female$8,318.27
Allstate Northbrook IndemnitySingle 17-year old female$8,098.88
State Farm Mutual AutoSingle 17-year old male$7,555.39
State Farm Mutual AutoSingle 17-year old female$6,089.50
Travelers Commercial Ins Co.Single 17-year old male$5,906.73
United Financial CasualtySingle 17-year old male$5,748.65
Geico GeneralSingle 17-year old male$5,529.48
Geico GeneralSingle 17-year old female$5,433.56
SAFECO Ins Co of AmericaSingle 17-year old male$5,348.46
Travelers Commercial Ins Co.Single 17-year old female$5,165.60
SAFECO Ins Co of AmericaSingle 17-year old female$5,014.43
United Financial CasualtySingle 17-year old female$4,767.78
USAA CICSingle 17-year old male$4,428.83
USAA CICSingle 17-year old female$4,404.58
Allstate Northbrook IndemnitySingle 25-year old male$4,115.50
AMCO InsuranceSingle 25-year old female$3,904.76
AMCO InsuranceSingle 25-year old male$3,858.43
State Farm Mutual AutoSingle 25-year old male$3,777.69
Allstate Northbrook IndemnitySingle 25-year old female$3,742.44
State Farm Mutual AutoSingle 25-year old female$3,663.92
Farmers Ins ExchangeSingle 25-year old male$3,585.17
State Farm Mutual AutoMarried 35-year old female$3,310.18
State Farm Mutual AutoMarried 35-year old male$3,310.18
AMCO InsuranceMarried 35-year old female$3,272.83
Travelers Commercial Ins Co.Single 25-year old female$3,249.64
Farmers Ins ExchangeSingle 25-year old female$3,218.46
Travelers Commercial Ins Co.Single 25-year old male$3,179.78
AMCO InsuranceMarried 35-year old male$3,124.42
State Farm Mutual AutoMarried 60-year old female$2,957.44
State Farm Mutual AutoMarried 60-year old male$2,957.44
Allstate Northbrook IndemnityMarried 35-year old male$2,923.87
Allstate Northbrook IndemnityMarried 35-year old female$2,921.24
AMCO InsuranceMarried 60-year old female$2,863.68
United Financial CasualtySingle 25-year old male$2,771.33
Farmers Ins ExchangeMarried 35-year old female$2,715.31
Farmers Ins ExchangeMarried 35-year old male$2,715.31
AMCO InsuranceMarried 60-year old male$2,699.52
USAA CICSingle 25-year old female$2,670.51
Geico GeneralSingle 25-year old male$2,624.98
SAFECO Ins Co of AmericaSingle 25-year old male$2,620.60
SAFECO Ins Co of AmericaSingle 25-year old female$2,593.72
United Financial CasualtySingle 25-year old female$2,576.92
Geico GeneralSingle 25-year old female$2,566.22
USAA CICSingle 25-year old male$2,523.86
Travelers Commercial Ins Co.Married 35-year old female$2,497.45
Farmers Ins ExchangeMarried 60-year old female$2,451.83
Farmers Ins ExchangeMarried 60-year old male$2,451.83
Travelers Commercial Ins Co.Married 35-year old male$2,417.86
SAFECO Ins Co of AmericaMarried 35-year old female$2,303.99
Travelers Commercial Ins Co.Married 60-year old female$2,206.26
Travelers Commercial Ins Co.Married 60-year old male$2,182.92
SAFECO Ins Co of AmericaMarried 35-year old male$2,177.93
Allstate Northbrook IndemnityMarried 60-year old male$2,148.03
SAFECO Ins Co of AmericaMarried 60-year old female$2,145.20
Allstate Northbrook IndemnityMarried 60-year old female$2,126.03
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Note: Focus on the company that best suits your specific circumstance.

A single 25-year-old male will pay $2,523.86 on average with USAA, compared to the  $4,428.83 a 17-year-old single male would pay with the same company.

When you’re shopping for the best car insurance rates for your personal situation, you have to be a little selfish. You have to be thinking, “It’s all about me, me, me, me, me.”

The only way to ensure that you’re getting the best quotes for your specific circumstance is to compare rates from multiple carriers.

Another way to keep your rates low is to be a good driver. Being a good driver entails knowing the rules of the road and adhering to them. We’ll review the traffic laws in California so that you can keep a 24-karat driving record.

California Laws

Memorizing every traffic statute in California would virtually impossible and not an effective use of your time or brain capacity. We’ll help you to sift through the most relevant rules and regulations for most California motorists.

Car Insurance Laws

State insurance commissioners have ample authority on the auto insurance industry in their respective commonwealths. Each state determines the type of tort law and threshold (if any) that applies in the state, the type and amount of liability insurance required, and the system used for approval of insurer rates and forms.

Insurance companies in California are subject to the regulations set by that state insurance commissioner. Ultimately, all rates and regulations must meet the fair competition standards set by the National Association of Insurance Commissioners (NAIC).

High-Risk Insurance in California

The SR-22 form must be filed by drivers who have committed violations or have multiple infractions, as well as uninsured drivers and others. If your license has been revoked or suspended, you may need to file an SR-22 to have it reinstated.

SR-22 coverage may be required after committing the following infractions in California:

  • A DUI or wet-reckless suspension/revocation
  • Being involved in an accident when you were uninsured
  • Having your driving privileges suspended/revoked by DMV because it declared you a negligent operator (you may be declared a negligent operator if you obtain too many points on your driving record within a specific timeframe)

The DUI Reportability Requirements in California and FAQ’s can be found here.

Traffic violations in California are broken down into one-point violations and two-point violations. Here is a list of some common infractions that can earn you points in the state of California:

  • DUI/alcoholic beverage or any drug: 2 points
  • Speed contest/aiding or abetting: 2 points
  • Reckless driving/injury: 2 points
  • Driving while suspended or revoked: 2 points
  • Speed/too fast or over the speed limit: 1 point
  • Disobedience to law enforcement officer: 1 point
  • Following too close: 1 point
  • Erratic driving/suddenly changing speeds: 1 point

Racking up too many points on your driving record will cause your premiums to skyrocket.

Windshield Coverage in California

California has no specific laws requiring insurance companies to offer special glass coverage or no-deductible windshield replacement. Your insurance company may require you to use a specific repair shop in order to receive coverage. As a consumer, you have the right to choose a repair vendor but you may be required to pay the difference in the quote.

Aftermarket parts are allowed to be used by insurance companies with written notice to the consumer and at least equal in terms of fit, quality, performance, and warranty as the OEM.

For a detailed summary of windshield and glass coverage in California, click here.

Car Insurance Fraud in California

Insurance fraud is the second largest economic crime in America. Premium rates are raised dramatically by insurance companies and passed on to the consumers in attempts to combat fraud.

There are two classifications of fraud: hard and soft.

  • Hard Fraud – A purposefully fabricated claim or accident
  • Soft Fraud – A misrepresentation of information to the insurance company

Soft fraud is more common than hard fraud. Twenty to 40 percent of consumers admitted to lying to their insurer about one of the following:

  • Number of annual miles driven
  • Number of drivers in the household
  • How the vehicle would be used

Insurance fraud is a crime no matter how you slice it. Even the “little, white lie” you tell to get a lower rate can lead to harmful consequences. That kind of willful misrepresentation of facts is called known as “rate evasion” and is $16 billion annual expense to auto insurers.

If you suspect insurance fraud or have been the victim of fraud, you can contact the California Department of Insurance to report such activity.

Statute of Limitations in California

California’s statute of limitations for filing a claim is two years for personal injury and three years for property damage.

Vehicle Licensing Laws in California

California’s DMV has an online portal where residents can perform tasks such as renew their registrations and drivers’ licenses, update or change their address, and retrieve their driving history. Vehicle registration and insurance information can be easily accessed through the state database.

Proof of Financial Responsibility in California

Proof of financial responsibility requirements in California can be found here.

Teen Driver Laws in California

The State of California DMV wants to ensure that all teenage drivers are equipped with all the tools and resources to be safe and knowledgeable behind the wheel.

Requirements: Getting a Driver's License in CARequirement
Mandatory holding period6 months
Minimum supervised driving time50 hours; 10 at night
Minimum age16 years old
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Restrictions: Intermediate License in CARestrictions
DrivingProhibited from 11 p.m. to 5 a.m.
PassengersUnder 20 years old - prohibited (unless immediate family)
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Cell Phone Use Laws in California

California does not take cellphone use behind the wheel lightly. It was one of the first six states in America to adopt a comprehensive texting ban.

AgeLaws on Cellphones while Driving in CA
All drivers
Primary Enforcement
Handheld use banned
Drivers under 18 - secondary enforcementAll use banned
All drivers -
primary enforcement
Texting banned
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Older Driver License Renewal in California

  • Elderly drivers in California must get their licenses renewed every five years just like every other driver in the general population.
  • Senior drivers must show proof of adequate vision at every renewal once they reach age 70; while the general population must only do so when renewing in person.
  • Senior drivers 70 and older are not permitted to renew online or by mail; while the general population is only permitted to do so for two consecutive renewals.

New Resident Licensing in California

All new residents and first-time driver license applicants must visit a DMV office in person and present proof of California residency. New residents must register any out-of-state vehicles within 20 days of establishing residency.

California Real ID

California is currently under review for federal REAL ID compliance. You may visit the California DMV to apply for a federal compliant REAL ID card or a federal non-compliant one. As of October 1, 2020, anyone wishing to board an airplane or enter a federal facility must have a REAL ID-compliant form of identification.

Rules of the Road in California

Keep Right and Move Over Laws

California law requires that you keep right if driving slower than the average speed of traffic around you.

California released an updated memo to its “Move Over” law on July 11, 2011. The California DMV, the California Highway Patrol, and the California Department of Transportation (Caltrans) teamed up to form the legislation and launch a statewide media campaign that implores motorists to move over when safe to do so or slow down when they see amber flashing lights on Caltrans vehicles.

“This traffic safety campaign isn’t about writing citations, it’s about providing a safer work environment for everyone who does business along the side of a highway,” said CHP Commissioner Joe Farrow. “The only way to prevent tragedies from occurring on the side of the road is by giving emergency personnel, highway workers, and the public adequate space.”

Speed Limits in California

Type of RoadwaySpeed Limit
Rural interstates70 mph
Rural interstates (Trucks)55 mph
Urban interstates65 mph
Urban interstates (Trucks)55 mph
Other limited access roads70 mph
Other roads65 mph
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Seat belt Laws in California

Safety Belt Laws in CaliforniaFacts
Effective dateJanuary 1, 1986
Primary enforcementYes
Age/seats applicable16+ years old in all seats
First offense fine$20 plus fees
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Car Seat Laws in California

Child Seat Laws in CaliforniaFacts
Car seat requiredChildren 7 years old and under

Rear-facing seat requiredChildren who are:
- under 2 years old
- under 40 lbs
- under 40" tall
Forward-facing seat allowedChildren who are:
- 2 to 7 years old
- 40" to 57" tall
Booster seat allowedChildren over 40 lbs.
Adult seat belt allowedChildren who are:
- 8 to 15 years old
- at least 57" tall
Rear seats requiredChildren who are:
- 7 years and under
- under 57" tall
First offense fine$100 plus fees
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Ridesharing in California

The following companies offer ridesharing protection in California:

  • Allstate
  • Farmers
  • Liberty Mutual
  • Mercury
  • Metlife
  • Metromile
  • State Farm
  • USAA

The California government recently passed a new bill (AB 5) that will classify the majority of rideshare drivers as employees rather than contractors. This isn’t exactly great news, as it means rideshare driving will turn into more of a job than a way to earn extra cash.

Automation in California

Autonomous Vehicle Laws in CaliforniaFacts
Driving allowedFull deployment
Operator license requiredNot addressed
Operator required to be in the vehicleNo
Liability insurance required$5 million
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Safety Laws in California

Promoting safety and preventing chaos are the ultimate goals of any traffic laws. The California Department of Transportation (Caltrans) has developed the Highway Safety Improvement Program to provide tips, facts, and interactive maps and guides of which all drivers are encouraged to take advantage.

In accordance with the National Highway Traffic Saftey Administration (NHTSA), California released its most recent Strategic Highway Safety Plan as an additional resource for drivers.

DUI Laws in California

DUI Laws in CaliforniaFacts
Name of offenseDriving under the influence (DUI)
BAC Limit.08
High BAC limit.15 to .20+
Criminal statusNon-injury DUI = misdemeanor
Fourth+ DUI = felony
Look-back period10 years
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The Blood-Alcohol Content (BAC) limit in California is 0.08 percent; the High BAC limit is between 0.15 to 0.20 percent.

The DUI penalties in the state of California are listed as follows:

DUI 1st offense:

PenaltyTerm
License revoked4 to 10 months
Jail time96 hours to 6 months
Fine$390 to $3,600
Vehicle impoundedUp to 6 months
DUI program3 months of alcohol & drug education
Community serviceDetermined in court
Mandatory ignition
interlock device
Yes - in 4 counties
Required to get
license reinstated
$125 fee
SR-22 insurance
counseling
Probation3 to 5 years
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DUI 2nd offense:

PenaltyTerm
License revoked2+ years
Jail timeup to 1 year
Fineup to $4,000
Vehicle impoundedup to 1 year
DUI program12 hour alcohol & drug education
1.5 year Multi-Offender Program
Community serviceDetermined in court
Mandatory ignition
interlock device
Yes - can't drive
anywhere without it
Required to get
license reinstated
$125 fee
SR-22 insurance
52 hours counseling
6 hours re-entry monitoring
12 month bi-weekly interviews
Probation3 to 5 years
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DUI 3rd offense:

PenaltyTerm
License revoked3+ years
Jail timeUp to 16 months
FineUp to $18,000
Vehicle impoundedUp to 1 year
DUI program12-hour alcohol & drug education
2.5 year multi-offender program
Community serviceUp to 300 hours
Mandatory ignition
interlock device
Yes - can't drive
anywhere without it
Required to get
license reinstated
$125 fee
SR-22 insurance
Regular interviews & monitoring
78 hrs Counseling
Habitual Offender Status
Probation3 to 5 years
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DUI 4th offense:

PenaltyTerm
License revoked4+ years
Possibly permanent
Jail timeUp to 16 months in state prison
FineUp to $18,000
Vehicle impoundedUp to 1 year
DUI program12-hour alcohol & drug education
2.5 year multi-offender program
Community serviceUp to 300 hours
Mandatory ignition
interlock device
Yes - can't drive
anywhere without it
Required to get
license reinstated
$125 fee
SR-22 insurance
Regular interviews & monitoring
78 hrs Counseling
Habitual Offender Status
Probation3 to 5 years
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Drug-Impaired Driving Laws

At present, California has no marijuana-impaired specific laws.

California Can’t-Miss Facts

Eureka! We’ve discovered some more fun facts about California

Vehicle Theft in California

Whether it happens to your little deuce coupe (or your 409) or your little red corvette, being the victim of car theft is no laughing matter. This chart below reveals which cars in California are most susceptible to such larceny.

Make & Model:Vehicle Year:Total Thefts:
Acura Integra19944,273
Chevrolet Pickup20066,048
Ford Pickup20064,504
Honda Accord199628,345
Honda Civic199828,045
Honda CR-V19992,033
Nissan Altima19972,281
Nissan Sentra19972,555
Toyota Camry19915,345
Toyota Corolla20143,339
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Vehicle Theft by City in California

The table below gives a breakdown of the top cities for auto theft within the state.

10 Cities in California with the Most Vehicle TheftNumber of Stolen Vehicles:
Long Beach2,355
San Bernardino2,691
Sacramento2,861
Bakersfield2,937
Fresno4,057
San Francisco5,866
San Diego6,143
Oakland6,833
San Jose7,926
Los Angeles14,382
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Risky and Harmful Behavior

For your information, we’ve compiled a list of all driving-related fatalities in California.

Fatality by County (Speeding and Drunk Driving)

10 Counties in California with the Most Speeding Deaths20132014201520162017
Alameda3324272532
Fresno2624224451
Kern3227404945
Los Angeles245240231308214
Orange6256515360
Riverside6693879584
Sacramento4035425653
San Bernardino9290827288
San Diego6771757678
San Joaquin3626343635
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Fatality Rates Rural vs. Urban

Roadway Type2008200920102011201220132014201520162017
Rural226227200211209232223262301N/A
Urban796659616669697078N/A
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Fatalities by Person Type

California traffic deaths by person type20132014201520162017
Motorcyclists463522494576529
Pedestrians734709819933858
Bicyclists147129136155124
Passenger car occupants1,0981,0661,1701,3571,269
Pickup truck occupants239209294278279
Utility truck occupants241271288307336
Van occupants6779888884
Large truck occupants3833324853
Bus occupants11171203
State Total3,1073,1023,387 3,8373,602
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EMS Response Time

EMS Response Time in CaliforniaTime
Time of crash to EMS notification5 minutes 5 seconds
Notification to EMS arrival4 minutes 7 seconds
EMS arrival to hospital arrival21 minutes 24 seconds
Time of crash to hospital arrival35 minutes
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Transportation in California

So, how bad is the commute look for the drivers of California? In a word: Very. How does rush-hour traffic compare to the rest of the nation? Depending on your proximity to a SoCal metropolis or NorCal metropolis, the answer will differ only by degree. Both ends of the state are notorious for congestion.

Car Ownership in California

Two-vehicle households are the largest group of car owners in California making up nearly 40 percent of the population. Three-vehicle and one-vehicle homes are the next largest groups at roughly 20 percent and 19 percent respectively.

Commute Time in California

At 27.7 minutes, drivers in California surpass the national average of 25.3 minutes of commute time. A whopping 4.06 percent of drivers in California experience a “super commute” of 90 minutes or more.

These cities in California are the worst culprits for traffic:

5 Cities in California with the Most Traffic CongestionAnnual Hours Stuck in Traffic:Portion of Commute Stuck in Traffic:
Los Angeles10212%
Sacramento257%
San Diego4810%
San Francisco7912%
Santa Cruz3714%
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Commuter Transportation in California

Commuters in California prefer to go solo with more than 70 percent driving to work alone. About 10 percent of commuters carpool and about half that many take public transportation.

Now you have all gold coins of wisdom about California driving laws and insurance requirements. Make sure to put all that wealth of knowledge to good use by getting yourself the best insurance quotes possible.

Get rate quotes from multiple carriers so that saving money on your car insurance premiums won’t have to be California Dreaming; it can be a reality!

Enter your zip code to start saving right now!

References:

  1. https://www.thehartford.com/aarp/car-insurance/california
  2. http://guides.wsj.com/personal-finance/insurance/how-much-car-insurance-do-you-need/
  3. https://www.naic.org/prod_serv/AUT-PB-14.pdf
  4. https://www.imdb.com/name/nm0020521/
  5. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
  6. http://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm
  7. https://www.metromile.com/
  8. https://naic.org/cipr_topics/topic_usage_based_insurance.htm
  9. https://www.nationwide.com/personal/insurance/auto/discounts/smartride/
  10. https://www.statefarm.com/insurance/auto/discounts/drive-safe-save
  11. https://www.autoinsurance.org/is-gap-insurance-worth-it-new-car/
  12. https://www.autoinsurance.org/what-is-an-umbrella-policy-for-auto-insurance/
  13. https://www.autoinsurance.org/does-car-insurance-include-roadside-assistance/
  14. https://www.autoinsurance.org/does-auto-insurance-cover-engine-failure/
  15. https://www.autoinsurance.org/non-owner-auto-insurance-explained/
  16. https://www.autoinsurance.org/auto-insurance-for-custom-cars/
  17. https://www.autoinsurance.org/does-my-car-qualify-for-classic-car-insurance/
  18. http://www.ambest.com/home/default.aspx
  19. http://www.insurance.ca.gov/01-consumers/101-help/
  20. https://www.shouselaw.com/sr22-requirements.html
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  22. https://helpwithtrafficticket.com/points-on-your-license#violations-point-count
  23. http://www.teleglass.com/auto-glass-resources/state-autoglass-resources/CA-California-autoglass-appointment.aspx
  24. https://www.iii.org/article/background-on-insurance-fraud#No-Fault%20insurance%20fraud
  25. http://www.insurance.ca.gov/0300-fraud/0100-fraud-division-overview/0300-fraud-claims-and-forms/
  26. https://www.dmv.ca.gov/portal/dmv/detail/online/vrir/vr_top2
  27. https://www.dmv.ca.gov/portal/dmv/detail/pubs/brochures/fast_facts/ffvr18
  28. https://www.dmv.ca.gov/portal/dmv/detail/coi/teen/teen
  29. https://www.iihs.org/iihs/topics/laws/cellphonelaws/maptextingbans
  30. https://www.dmv.ca.gov/portal/dmv/detail/dl/residency_requirement
  31. https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=VEH&sectionNum=21654
  32. http://www.dot.ca.gov/hq/paffairs/news/pressrel/11pr61.htm
  33. http://www.caltrans.ca.gov/trafficops/hsip/
  34. http://www.dot.ca.gov/trafficops/shsp/docs/SHSP15_Update.pdf