Best Companies in California for Car Insurance

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Here's what you need to know...
  • The best car insurance company is subjective to individual driver’s needs
  • However, there are ways to determine which car insurance company is better than others
  • Check out ratings from national rating agencies as well as from other consumers’ reviews

How can you find the best California car insurance companies? Well, what one person believes is a good car insurance company may be for another person a horrible car insurance company.

The most important thing about a car insurance company is that it can provide what the policyholders expected when they purchased their car insurance coverage.

Find quotes from a number of top companies for FREE with our ZIP code search.

The Best and Worst California Car Insurance Companies

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The best California car insurance companies will quickly process the claims as they are filed.

These companies promptly send out an adjuster as needed, and they resolve the claim in a timely manner.

The worst California car insurance companies are the ones that do not to pay for repairs under their policyholders’ collision coverage.

These policyholders purchased collision coverage that would pay the bills no matter who caused the accident, but the insurance company finds ways to delay making the payment.

Credit Ratings for California Car Insurance Companies

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To avoid the worst companies, consumers need to check on each California car insurance company’s credit ratings.

A.M. Best is a credit rating agency that rates insurance companies on several matters including:

  • The company’s financial strength
  • How well the insurance company performs its duties
  • The insurance company’s business profile

The best California car insurance companies have the highest ratings as assigned by A.M. Best.

These ratings mean that the car insurance company is secure in its ability to meet all of its financial obligations no matter what is going on in the economy.

The highest ratings are:

  • A++ and A+ – Superior financial strength
  • A and A- – Excellent financial strength
  • B++ and B+ – Good financial strength

How Do the Customers Rate their California Car Insurance Companies?

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The ratings that California car insurance companies are given by credit rating agencies are important, but reviews by the customers are also important.

Insurance companies with the highest praise are the companies that offer the coverage consumers need for a price they can afford.

The best car insurance companies in California are as follows:

1. Amica Mutual Car Insurance

According to J.D. Power and Associates, Amica received the highest ratings on both of the most important counts of adequate coverage and affordable pricing.

J.D. Power and Associates offers consumers a chance to critique insurance companies based on their satisfaction with the company and the quality of the product.

Amica Mutual insures vehicles against several possibilities for damage other than the collision such as from damage may be caused by theft or fire.

As cars are susceptible to being stolen in California, the ability to cheaply purchase insurance to protect against theft makes Amica Mutual one of the best car insurance companies in California.

2. GEICO

 

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Geico customers are pleased with their car insurance company’s coverage and the pricing.

Geico has a discount for drivers of hybrid vehicles providing a five percent discount off.

California is right on the border with Mexico, and people often travel back and forth across the border.

Regular car insurance doesn’t offer coverage after someone has left the country.

However, if a Geico customer needs to do this, these customers just have to call up their Geico representatives and they will help them find the insurance they need.

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3. The California State Automobile Association Inter-Insurance Bureau

The Automobile Club of Southern California, also known as AAA, offers car insurance for California drivers.

In California, this insurance company goes by the name of the California State Automobile Association Inter-Insurance Bureau.

This company has received an A+ rating from A.M. Best, the second highest of financial strength ratings.

When people purchase their auto insurance from AAA, they, as policyholders, have few worries that their claims will be left unpaid.

4. Allstate Car Insurance

 

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Allstate is also a California car insurance company that has received an A+ from A.M. Best.

Allstate is ranked amongst the best for its various features such as keeping clients’ rates the same after an at-fault car collision.

But if Allstate customers can manage not to cause any accidents, each year the collision coverage’s deductible will decrease by $100.

Allstate also makes sure to reward its clients on a regular basis that it can consider its clients to be safe drivers.

After six months have passed and the client has not been involved in an accident, Allstate sends these customers a Safe Driving Bonus check.

Comparing Quotes for the Best California Car Insurance Companies

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The best California car insurance companies listed here are likely to show up in a comparison search because they are well-known, national companies.

California drivers will also receive free quotes from other, lesser known companies with our FREE search tool.

With our FREE quote comparison tool at the bottom of this page, you can make sure you save on car insurance today.

Enter your ZIP code right now to find several insurance quotes immediately!

FREE Car Insurance Comparison

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