Cheapest car insurance for high-risk drivers in California
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in California is Mercury Insurance, followed by Geico and Progressive.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Mercury Insurance | $2,569 | $214 |
| Geico | $2,875 | $240 |
| Progressive | $3,069 | $256 |
| Auto-Owners | $3,152 | $263 |
| Travelers | $3,958 | $330 |
| Kemper Insurance | $3,971 | $331 |
| Farmers | $4,263 | $355 |
| Auto Club Enterprises (AAA) | $4,509 | $376 |
| Nationwide | $5,023 | $419 |
| Allstate | $5,638 | $470 |
| State Farm | $5,640 | $470 |
| CSAA (AAA) | $5,995 | $500 |
| Hartford | $6,773 | $564 |
| USAA | $2,552 | $213 |
Average rates for high-risk drivers in California by driving record
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| Mercury Insurance | $2,656 |
| USAA | $2,819 |
| Progressive | $3,066 |
| Auto Club Enterprises (AAA) | $3,595 |
| Geico | $4,017 |
| Travelers | $4,211 |
| Nationwide | $4,521 |
| Auto-Owners | $4,634 |
| State Farm | $4,768 |
| Farmers | $4,844 |
| Kemper Insurance | $5,169 |
| CSAA (AAA) | $5,523 |
| Hartford | $5,764 |
| Allstate | $6,242 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in California for a driver with a DUI is Mercury Insurance with an average annual of $2,920 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Mercury Insurance | $2,920 | $243 |
| Progressive | $3,559 | $297 |
| Auto-Owners | $4,014 | $335 |
| Geico | $4,014 | $335 |
| Travelers | $4,794 | $400 |
| Farmers | $4,844 | $404 |
| Kemper Insurance | $5,169 | $431 |
| Auto Club Enterprises (AAA) | $6,668 | $556 |
| Nationwide | $6,908 | $576 |
| State Farm | $8,557 | $713 |
| Allstate | $9,082 | $757 |
| CSAA (AAA) | $9,812 | $818 |
| Hartford | $10,565 | $880 |
| USAA | $4,645 | $387 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In California, the cheapest car insurance with multiple tickets is from Mercury Insurance. It offers full coverage insurance at $2,335 per year or $195 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Mercury Insurance | $2,335 | $195 |
| Geico | $2,491 | $208 |
| Auto-Owners | $2,578 | $215 |
| Progressive | $2,845 | $237 |
| Auto Club Enterprises (AAA) | $3,070 | $256 |
| Kemper Insurance | $3,173 | $264 |
| Allstate | $3,342 | $279 |
| Travelers | $3,400 | $283 |
| CSAA (AAA) | $3,450 | $288 |
| State Farm | $3,696 | $308 |
| Nationwide | $3,767 | $314 |
| Farmers | $3,876 | $323 |
| Hartford | $4,245 | $354 |
| USAA | $1,773 | $148 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In California, Geico offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $2,886 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $2,886 | $241 |
| Mercury Insurance | $2,920 | $243 |
| Progressive | $3,251 | $271 |
| Auto-Owners | $4,014 | $335 |
| Travelers | $4,794 | $400 |
| Farmers | $4,844 | $404 |
| Kemper Insurance | $5,169 | $431 |
| Auto Club Enterprises (AAA) | $6,668 | $556 |
| Nationwide | $6,908 | $576 |
| State Farm | $8,557 | $713 |
| Allstate | $9,082 | $757 |
| CSAA (AAA) | $9,812 | $818 |
| Hartford | $10,565 | $880 |
| USAA | $2,793 | $233 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
Helpful auto insurance tools and calculators
You might also be interested in- Traffic ticket calculator in California
- SR-22 insurance in California
- Best and cheapest non-owner car insurance in California
- California gap insurance: Everything you need to know
- Low-income car insurance in California: What you need to know
- California car insurance guide
- Cheapest home and auto insurance bundle in California
- California insurance crisis: Why are home insurance companies leaving California?
- Best condo insurance in California for 2024
- Best and cheapest renters insurance in California
