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Car Insurance Quotes in California: Get the Facts and Find Affordable Coverage Near You
Quick Facts About Car Insurance in California
CALIFORNIA'S VAST FLEET​
With more than 35 million registered vehicles, California has one of the largest numbers of automobiles in the United States. Frequent Traffic Incidents: In 2019, there was a traffic crash in California every three minutes, highlighting the importance of being adequately insured. Urban Accident Hotspots: A significant 77 percent of all accidents in California occur in urban areas, underscoring the need for comprehensive car insurance.
HIGHWAY CONCERNS​
U.S. Highway 431 is considered the deadliest highway in California, emphasizing the importance of reliable auto insurance coverage.
How Much Is Car Insurance in california?
Understanding the cost of car insurance is crucial for budget planning. In California, the average cost of the state-required minimum liability car insurance is approximately $469 per year. However, if you opt for full coverage auto insurance, which provides broader protection, the average cost rises to around $1,623 per year.
It’s important to note that these are average costs, and your specific car insurance premium can vary based on factors such as your driving record, age, and zip code. Your insurance premium is customized to suit your individual circumstances
Affordable Full Coverage Car Insurance in California
Minimum Required Liability Insurance in California
Additional Car Insurance Coverage Options
Medical Payments (MedPay)
MedPay covers your medical expenses resulting from a vehicle accident, regardless of fault. It's a "no-fault" insurance, meaning benefits are available even if you caused the accident.
Uninsured Motorist Coverage (UIM)
UIM insurance pays your bills when you're injured by another driver who lacks insurance coverage or doesn't have enough to cover all the expenses.
Exploring Auto Insurance Discount Opportunities in California
- Good Driver Discount: If you have a clean driving record, you may qualify for a lower rate.
- Paperless Discount: Opting for paperless billing can often result in cost savings.
- Defensive Driving Course Discount: Completing a defensive driving course can lead to reduced premiums.
- Low Mileage Discount: If you drive less frequently, you might be eligible for a discount.
- Military Discount: Active military personnel and veterans may qualify for special discounts.
- Good Student Discount: Students with excellent academic records can enjoy reduced rates.
- Senior Driver Discount: Senior drivers may be eligible for discounts tailored to their needs.
- Anti-Theft Discount: Equipping your vehicle with anti-theft devices can lead to premium reductions.
California Car Insurance Laws
Understanding California’s car insurance laws is crucial to ensure compliance and avoid potential consequences. Some key aspects of car insurance laws in California include:
Mandatory Liability Insurance: California law requires a minimum level of liability insurance coverage for all drivers. You must carry at least:
- $15,000 in bodily injury/death coverage per person
- $30,000 of bodily injury/death coverage per accident
- $5,000 of property damage per accident
Penalties for Driving Without Insurance
Driving without insurance in California is taken seriously. Even first-time offenders may face severe consequences, including fines and vehicle registration suspension. Insurance companies are required to report new policies and policy lapses to the state electronically in real-time.
Reporting Accidents
In California, you are required to report accidents to the police under specific circumstances. Accidents involving bodily injuries or significant property damage must be reported immediately. Accidents with minor property damage do not require police reporting but should be reported to your insurance company.
Factors Affecting Premiums
Insurance companies in California consider various factors when setting premiums. These factors may include marital status, age, gender, credit history, and driving record. Maintaining a clean driving record can help lower your insurance premiums.
DUI Convictions
Having a DUI conviction on your record in California does not necessarily disqualify you from obtaining cheap car insurance. However, individuals with DUIs should expect higher premiums and obtaining an SR-22 certificate . Contrary to popular opinion, an SR-22 is not a type of insurance policy offered to individuals convicted of DUI. Instead, an SR-22 is a certification issued by an insurance company. This certification guarantees that liability insurance will be available for the high-risk driver in question. Shopping around and discussing your options with an insurance agent can help you find affordable coverage.
Get Affordable Car Insurance in California Today!
Texas is known for its diverse landscapes and extensive road networks, making proper car insurance essential for safe and responsible driving. Freeway Insurance is here to assist you in finding the right coverage that fits your needs and budget.
Ready to get started? You can obtain a free car insurance quote online today, locate an agent at a Texas office near you, or call us at (800) 750-9115 for a quote. Contact us right away!