The cost of car insurance varies depending on your age, marital status, mileage, driving history, and more. Most insurance companies offer a lower price to drivers with good records. But, if you have been cited or have tickets on your record in California, your insurance premiums will likely increase.
Experts at Insurance.com have analyzed the rates of various companies to find the cheapest car insurance available for high-risk drivers in California. Keep reading to learn more.
- Cheapest car insurance for high-risk drivers in California with an at-fault accident
- Car insurance for high-risk drivers in California with a DUI
- Cheapest car insurance for high-risk drivers in California with speeding tickets
- Cheapest insurance for high-risk drivers in California with poor credit
- Car insurance for high-risk drivers in California with SR22
- Methodology
Cheapest car insurance for high-risk drivers in California with an at-fault accident
At $2,924 per year, Mercury offers the cheapest car insurance rates for drivers with at-fault accident in California. The rates of Mercury are 27.77% less than the state average and $163 Less than the national average.
However, you can save on your insurance by comparing price quotes from multiple insurers.
Below are the average annual rates of carriers providing coverage for drivers with an at-fault accident.
| Company | Avg Annual Premium |
|---|---|
| Mercury | $2,924 |
| Progressive | $3,066 |
| Geico | $3,257 |
| Auto-Owners | $3,280 |
| Auto Club of Southern California | $3,450 |
| Auto Club Enterprises Ins Grp | $3,511 |
| Travelers | $3,911 |
Car insurance for high-risk drivers in California with a DUI
If you get pulled over for driving under the influence, your car insurance rates will increase considerably as auto insurers often designate drivers convicted of DUI as high-risk.
In California, Mercury offers the cheapest full coverage car insurance for drivers with a DUI at $2,940 a year.
Here’s the list of the companies offering cheap car insurance for drivers with a DUI in California.
| Company | Avg Annual Premium |
|---|---|
| Mercury | $2,940 |
| Progressive | $3,948 |
| Auto-Owners | $4,536 |
| Geico | $4,851 |
| Farmers | $5,397 |
| Kemper Corp Grp | $6,538 |
| Travelers | $7,008 |
Cheapest car insurance for high-risk drivers in California with speeding tickets
The cheapest insurance carrier for California drivers with speeding tickets is Mercury. It offers full coverage insurance at $2,543 per year or $212 monthly.
Find out car insurance rates different carriers offer in California for drivers with speeding tickets
| Company | Avg Annual Premium |
|---|---|
| Mercury | $2,543 |
| Progressive | $2,919 |
| Geico | $2,932 |
| Auto-Owners | $3,056 |
| Auto Club of Southern California | $3,461 |
| Auto Club Enterprises Ins Grp | $3,515 |
| Travelers | $3,731 |
Cheapest insurance for high-risk drivers in California with poor credit
In California NA is the cheapest insurance company for drivers with poor credit. California drivers with poor credit pay an average of $0 per year for a full coverage policy.
Here’s how much different carriers charge for car insurance to drivers with poor credit in California
Car insurance for high-risk drivers in California with SR22
If you have SR22 on your driving record, insurance companies see you as a high-risk driver and charge more for policies. The cheapest auto insurance in California for drivers with an SR-22 is Mercury with an average annual cost of $2,369 or $197 per month.
If you have a DUI or DWI conviction on your driving record, your insurance company might need to file an SR-22 form with the state DMV in your name.
See below the car insurance premiums different insurance carriers offer for drivers with SR-22 in California
| Company | Avg Annual Premium |
|---|---|
| Mercury | $2,369 |
| Progressive | $2,546 |
| Geico | $2,855 |
| Auto-Owners | $3,116 |
| Travelers | $3,588 |
| Kemper Corp Grp | $3,791 |
| Farmers | $3,815 |
Methodology
Data was provided in 2022 for Insurance.com by Quadrant Information Services. Rates are based on the driving profile of a 40-year-old male driver with a Honda Accord LX for a full-coverage policy (100/300/100 with a $500 deductible).
