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 Companies | Monthly 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 Companies | Monthly Cost | Annual 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 Companies | Monthly Cost | Annual 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 Companies | Monthly Cost | Annual 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 Companies | Monthly Cost | Annual 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 Companies | Drivers Age | Driving Records | Monthly Cost | Annual Cost |
| CIG | 50 | One at-fault crash | $125 | $1,504 |
| CIG | 40 | One at-fault crash | $130 | $1,566 |
| CIG | 30 | One at-fault crash | $135 | $1,623 |
| National General | 50 | DUI | $128 | $1,533 |
| National General | 40 | DUI | $127 | $1,527 |
| National General | 30 | DUI | $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.