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california car insurance that’s right for you, not someone sorta like you

Few things are more enjoyable than cruising along California's scenic coastline, and knowing you're getting affordable car insurance rates and 24/7 customer service only sweetens the deal. We're confident our simple policy management and award-winning website will have you shouting "Eureka!" to the tops of the highest Redwoods. (Yeah, we're that awesome.)

Whether you live in Los Angeles, San Francisco, San Diego, or anywhere in between, Esurance is proud to offer all residents of the Golden State a more convenient way to get car insurance (and it all starts with a free online quote). Our online tools are built to save you hassle by using intuitive online technology — like CoverageMyWay™, which prioritizes coverage options based on information you provide to help make sure you only pay for what's right for you, not someone sorta like you.

auto insurance discounts in california

California residents can get a quote to see if they've struck gold with these money-saving Esurance discounts:

  • Multi-Car discount
  • Anti-Theft discount
  • Mature Driver discount

Discounts may vary. If you're a current policyholder and have questions about Esurance discounts in California, call us at 1-800-ESURANCE (1-800-378-7262).

The state-mandated Good Driver discount

Proposition 103 also guarantees a discount to drivers who:

  • Have been licensed for at least 3 years
  • Have no more than one point on their driving records in the past 3 years
  • Haven't been found at fault in a fatal car accident or a car accident that caused at least $1,000 of property damage in the last 3 years

The discount is 20 percent off what the insurer would regularly charge for the same policy.

The "good driver" law

California has regulations in place that ensure good drivers are rewarded with lower car insurance rates. Proposition 103 requires car insurance companies (Esurance included) to make your driving history a primary factor when determining your premium.

california car insurance coverages

Required coverages

California drivers are legally required to carry liability insurance with at least the following limits:

  • $15,000 bodily injury coverage per person
  • $30,000 bodily injury coverage per incident
  • $5,000 of property damage coverage per incident

You'll typically see these minimums expressed as 15/30/5. Other coverages, like comprehensive and collision, are legally optional but may be required by a leasing or financing company.

Optional coverages

There's a lot more to car insurance in California than just basic liability. These additional coverages give you extra financial protection and can be a real lifesaver in the event of a claim:

  • Comprehensive coverage
  • Collision coverage
  • Medical and funeral services coverage
  • Uninsured motorist property damage coverage
  • Uninsured motorist bodily injury coverage
  • Rental car coverage
  • Customized parts and equipment coverage
  • Loan/lease gap coverage
  • Towing and labor coverage

car insurance stats and facts

Uninsured drivers in California

According to a 2011 report by the Insurance Research Council, 15 percent of California drivers were uninsured in 2009. Though it's not required coverage, uninsured motorist bodily injury coverage can come in handy after an accident with an uninsured driver, or in the event of a hit-and-run accident.

Documents verifying proof of insurance

You can use your insurance ID card or your electronic insurance ID card to prove that you carry the mandatory minimums.

Carrying your proof of insurance at all times is legally required. If you're caught driving without proof of car insurance in California, you may be fined $100 to $200 for a first offense. Fines of $200 to $500 may be applied for a second offense occurring within 3 years of the first violation.

Esurance customers can access all kinds of great stuff (including ID cards and policy documents) in our mobile app.

Alternative car insurance options

Drivers who can't afford a typical car insurance policy can apply for a state-sponsored policy.

  • The California Low Cost Automobile Insurance Program for low-income drivers: This program is restricted to California residents with good driving records who meet the program's income restrictions.
  • The California Automobile Assigned Risk Plan (CAARP) for high-risk drivers: If you're having difficulty getting insurance from non-standard insurance companies, this program may be an option. CAARP is specifically designed for high-risk drivers who have been convicted of DUIs or multiple traffic violations.

You can find more info on either type of policy on the California Department of Insurance's site.

Claims mediation

The state offers a mediation service to help drivers resolve accident claims with their insurers. A qualified mediator can help you and your insurer resolve any disputes over the specifics of a claim. If you're interested in state-sponsored mediation, visit the California Insurance Claims Mediation Program online.

car repair shops in california

Esurance customers (or drivers involved in a claim with Esurance) who take their cars to an Esurance-approved body shop can take advantage of RepairView®, which allows them to monitor repairs online, and enjoy guaranteed repairs for as long as they own their cars.

Find a repair shop near you.

Related links

Department of Insurance
The California Department of Insurance has more info on CA car insurance.

Coverage Counselor®
Spend a few minutes with our online counselor for a personalized California coverage suggestion.

Wonder if you could be saving on car insurance?

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or call 1-800-378-7262