Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jan 10, 2020

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Any driver shopping for auto insurance wants to find a reliable auto insurance company with competitive premiums and searching for a list of the top auto insurance companies in California is a good place to start.

Compare auto insurance quotes by using our FREE quote tool today!

In comparison to national market share lists searching for top auto insurance companies by a specific region can be a significant help choosing an insurer. Even in a market as big as California many of the top auto insurance companies will never show up on any kind of national market share list.

However, just because an auto insurance company is on the top 10 list should never be enough reason to automatically qualify an insurer as the best provider for you. Read below to learn about choosing the right auto insurance provider for your unique needs.

Who are the top auto insurance companies in California by market share?

California has almost 200 licensed auto insurance companies however 10 of these providers make up a significant portion of coverage underwritten throughout the state. In 2010 the California Department of Insurance released statistics on the market share of auto insurance companies offering personal policy coverage and the top 10 insurers were:

  • 21st Century Insurance
  • AAA
  • Allstate
  • California State Automobile Association
  • Farmers Insurance
  • Infinity Insurance
  • Mercury Insurance Company
  • Mid-Century Insurance
  • Progressive
  • State Farm

Although listed in no particular order these auto insurance companies insure millions of drivers in the great state of California and some of them even offer high risk insurance, modified car insurance and other non-standard forms of coverage.

Who are the best auto insurance companies in California?

Viewing a list of the top 10 auto insurance companies can make you feel comfortable choosing an insurer however there are so many reliable auto insurers in California you need to shop around and compare. Unfortunately, there is no way to label any one company the best over another for everyone.

All drivers have unique needs — some only care about cost, others have a high-risk profile, some need a low mileage policy and more — so you need to simply shop around and find a provider who has the best reputation with the most affordable cost and coverage for your situation.

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The end result can vary from one driver to another but there are things you can do to help find the best auto insurance company such as:

  • Ask Friends and Family for a recommendation
  • Learn how auto insurance works and always compare quotes with the same type and levels of coverage
  • Learn about discounts and make sure any potential auto insurance company factors in all the discounts you are eligible for when providing a quote
  • Never take the first quote, try to compare at least 5 or 6 auto insurance quotes before selecting a provider

How much is auto insurance in California?

The cost of auto insurance in California is on par with about everything else in the state.

While most California drivers enjoy the luxury of sunshine all year around they also live in a state where car accident rates are high, auto theft is a major concern and car accident liability is governed by tort law. Average auto insurance rates in California are in the top 10 percent of the country with average premiums for a male driver in his 40’s running around $1,800 a year.

Women drivers will pay less but most all CA drivers typically pay about 30 percent more for auto insurance than the national average. Only Louisiana, Michigan, Oklahoma and Montana have higher rates according to

While California may have high auto insurance rates it’s still very possible to find affordable car insurance by shopping around.

Get started and enter your ZIP code to get personalized quotes from California auto insurance companies today!

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