California car insurance quote

or call 1-800-378-7262

Or call 1-800-378-7262.

Whether you live in Los Angeles, San Francisco, San Diego, or anywhere in between, Esurance offers car insurance that's simple, transparent, and affordable. AND ... there's no need to leave your house: get a California auto quote online and an electronic insurance ID today.

California car insurance coverages

Required coverages

California drivers are legally required to have liability insurance. The minimum requirements break down like this:

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

Liability coverage is meant to protect your finances if you injure someone else or damage their property. It means that your insurance will help foot the bill so you're not left holding a hefty bill.

Coverages like comprehensive and collision help protect YOUR car. They're not required by law but they may be required by a leasing or financing company.

I've been an Esurance customer for over 10 years now and everything about you guys is convenient and accessible. Even when we moved to another state, the switch over couldn't have been easier.

– Paul, Florida

Esurance was quick, reliable, and easy to communicate with! I'm glad I switched to you guys! You saved me money and I don't plan on going anywhere!

– Maudryanna, North Carolina

The woman who handled my claim was excellent. I made one phone call, sent one email, and three days later I had a check and a resolution to my problem. Keep up the good work.

– Aaron, Virginia

Auto insurance discounts in California

Saving on car insurance should be easy. That's why we offer a range of discounts to California drivers. You can see your savings add up the moment you get a quote:

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

That's just a taste. There are also some unique perks for California drivers.

The "good driver" law

Prop 103 requires California car insurance companies (like Esurance) to make your driving history the biggest factor when coming up with your premium. It aligns with our thinking perfectly, too: safe drivers should save on car insurance.

The state-mandated Good Driver discount

Prop 103 also guarantees you a discount as long as you:

  • Have had a license for at least 3 years
  • Have no more than one point on your driving record 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

What's more, the discount is a whopping 20%. Not bad.

Rideshare insurance for Uber and Lyft drivers

That's right, Uber and Lyft drivers — Esurance has you covered! There are gaps between your personal car insurance and your rideshare company's insurance. We help cover that gap, so that you're protected the whole time you're driving. Learn more about ShareSmart® from Esurance.

Optional coverages

Liability car insurance is the all that's legally required in California. But remember, it's meant to protect your wallet if you damage the other driver's car or injure them. Here are some more auto coverages that can be real financial lifesavers:

Proof of insurance in California

California allows electronic ID cards as proof of insurance. Once you purchase an Esurance policy, you'll have access to your ID card on our mobile app. How's that for convenience?

Alternative auto insurance options

Here's something you won't hear other insurers say: car insurance can be EXPENSIVE. Luckily, Californians can apply for a state-sponsored policy:

  • The California Low Cost Automobile Insurance Program is available to Californians with good driving histories who meet the program's income requirements.
  • The California Automobile Assigned Risk Plan (CAARP) helps high-risk drivers who are having difficulty getting insured. CAARP is specially designed for drivers who've been convicted of DUIs or multiple traffic violations.

You can learn more about both programs on the California Department of Insurance's website.

Disputing a claim

As a policyholder, you have rights. If you have any issues with your insurance company regarding a claim, a qualified mediator can help you sort it out. To learn more about state-sponsored mediation, check out the Californian Insurance Claims mediation Program.

Traffic Accident Report

This is also known as an SR-1. Say you're in an accident that causes over $1,000 in property damage. Regardless of fault, California requires you to submit an SR-1 to the DMV within 10 days.

Car repair shops in California

It can be hard to find a repair shop you can trust. On top of dealing with a claim? UGH, forget it. That's why as an Esurance customer, we make it easy to find a repair shop near you with E-star® — and all repairs are guaranteed for as long as you own the vehicle.

Get a free California car insurance quote from Esurance today! And find out how we're making insurance simple, transparent, and ... yes ... AFFORDABLE!

Related links

Car size and crash safety
Get expert info on how your ride's size may affect its ability to protect you in a crash.

Auto insurance in the City by the Bay
From the Marina to the Outer Mission, Esurance offers reliable, affordable car insurance to San Francisco residents.

Get a quote to see how surprisingly painless insurance can be

or call 1-800-378-7262

Or speak with a licensed agent at 1-800-378-7262.