If you are or were in the military, or if your spouse or parents were, you are eligible for USAA car insurance. USAA scores five out five stars across the board for customer satisfaction in California. Customers of the military company are apparently very satisfied with how they handle claims, interact with customers and the number of policies they offer.
In addition to providing cheap quotes for our driver with a recent accident, Esurance also offered the cheapest auto insurance rates to older drivers. Esurance's rates were 38% cheaper than the average across the insurance companies that we sampled. Other low cost auto insurers for senior drivers include GEICO and Farmers, which ranked as the second and third cheapest options.
The most expensive place for auto insurance in Florida is the urban metropolis of Miami. Between its miles of beaches and its three-time NBA champions, the Miami Heat, the city's residents do not shy away from high temperatures, and average auto insurance premiums here are just as high. Auto insurance in Miami costs about $2,198 per year—which is about double the Florida mean.
Furthermore, each insurer has different claims experience in each city, so the prices within a city can be quite different as well. In Jacksonville, Florida, one year of premiums at the most expensive company would pay for car insurance at the cheapest company for nearly seven years (6.75 years). Below are auto insurance costs and the three cheapest companies for the largest cities in Florida, averaged across our three policyholder scenarios.
If you’re getting turned down by traditional insurers due to a spotty driving record, the Texas Automobile Insurance Plan Association (TAIPA) is probably your best option. It only offers the bare minimum required by law, it’s more expensive than traditional insurers, and you’ll have to show proof that you’ve been turned down by at least two companies. It’s a last resort, but TAIPA will get you back on the road.
As a professional auto insurance company, we can offer you the right coverage that is unique to your needs. At your convenience, we are here for you twenty-four hours a day, seven days a week. Quickly and easily submit your application for a free insurance quote using our easy to use website. As a customer, you will enjoy our suite of customer service forms all from your local agent.
Metromile is a newcomer to auto insurance in California. The small car insurer bases its rates largely on how often its customers driver by charging them a rate per mile. The rate is usually in between $0.10 and $0.20. In addition to the rate they also charge a base premium. We found people who drive less than 7,500 miles a year would benefit the most from Metromile. Anything above 7,500 miles begins to cost just as much as regular insurance. The downside to Metromile is that they do not have a great record of customer satisfaction and claims handling. This likely stems from the company being mostly online and not having an agent network.
With 1.3 million residents, America’s Finest City is home to the University of California at San Diego system, as well as a number of naval bases. Cheap car insurance rates can be found near you at GEICO, Nationwide, State Farm, Grange Insurance Association and Progressive. Across these five insurers, annual rates cost as low as $1,446 on average, compared to the $1,950 city-wide average. Below are rates for the top five companies near you.
Additionally, you can get coverage for international travel, regardless of which state you live in. If Kaiser Permanente's limited scope works for you, it has a helpful app. In fact, it was one of only three to earn a A+ in our tests. It works on both Android and iPhone and is incredibly easy to navigate and well designed. It’s map feature will show you exactly where your local doctors and hospitals are. One other unique feature about this provider is its multilingual services. Kaiser Permanente has interpreters who can translate medical information for those who don't speak English.

The most affordable rates in Bakersfield, CA can be found at Nationwide, GEICO and Century National according to our data. With an overall city auto insurance average of $1,526, the city ranks as the 39th cheapest in California. However, going with the four cheapest insurers in the city gave our driver a better rate than the average in California's cheaper cities. The top five companies in Bakersfield are:
Additional living expenses, or loss-of-use coverage is typically a fixed amount – 20% of your dwelling coverage. However, if you live in an area prone to wildfires or hurricanes, it's worth checking with your insurer to see if they offer higher coverage limits in the event a catastrophe forces you from your home for an extended period. Additional living expenses can add up, so it may be worth the added peace of mind to increase this coverage component.

While the above is the lowest amount of insurance coverage you can have, you should consider adding more if you have more to lose. For example, we typically advise drivers to match their liability coverage to what they have in total assets. If you own a house in one of the most expensive zip codes in California, Atherton, and have sizable savings and investment accounts, we'd recommend you increase your liability limits and consider adding umbrella coverage on top. On the other hand, if you're a first-year student at UCLA, you may be fine with liability limits that are closer to the minimum.
Even if the open-enrollment period has passed for signing up for insurance via one of the exchanges, you might still be able to purchase subsidized insurance if you've had a qualifying life event. Qualifying events include moving to a new state, change in income, change in family, loss of coverage and others. You may even be able to apply simply because you did not understand that open-enrollment ended or you did not understand the health care law. If your income qualifies you for subsidized health care, you'll want to purchase through your state exchange.
We found premiums to be up to $600 more per year in some cases, but your personal results will vary based on your medical history and needs. It's easy to see what your own costs might be if you take a few minutes to enter your information on the website. The website is also very easy to use as you can filter plan options or compare them side-by-side with a couple clicks. There are also pop-up windows that explain certain terms if you hover your mouse over them. While some companies only operate in a select few states, UnitedHealthcare is nationwide, so there’s no need to worry about being in a coverage area.

Even if the open-enrollment period has passed for signing up for insurance via one of the exchanges, you might still be able to purchase subsidized insurance if you've had a qualifying life event. Qualifying events include moving to a new state, change in income, change in family, loss of coverage and others. You may even be able to apply simply because you did not understand that open-enrollment ended or you did not understand the health care law. If your income qualifies you for subsidized health care, you'll want to purchase through your state exchange.

While A.M. Best, J.D. Power, and Consumer Reports can tell us a lot about a company and how it treats its customers, the best homeowners insurance policy for you is one that provides you with the coverage you need for your specific situation. A licensed representative from Policygenius can help you compare homeowners insurance policies and quotes until you find a policy that works for you.
NerdWallet averaged rates for 40-year-old men and women for 20 ZIP codes in each state and Washington, D.C., from the largest insurers, up to 12 in each state. “Good drivers” had no moving violations on record and credit in the “good” tier as reported to each insurer. For the other two driver profiles, we changed the credit tier to “poor” or added one at-fault accident, keeping everything else the same. Sample drivers had the following coverage limits:
×