Top 22 auto insurance companies in California 2024

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The auto insurance industry in California is a dynamic and rapidly changing sector. It provides a wide range of insurance products, including car insurance and liability coverage, to meet the diverse needs of drivers across the state. From young, first-time drivers to seasoned motorists, insurance companies tailor their plans to suit various customer requirements.

As technology advances, many auto insurers are embracing digital tools to improve customer service. Features like mobile apps and telematics are becoming common, making it easier for drivers to manage their policies and stay connected with their insurers.

California is home to one of the largest numbers of registered vehicles in the country, highlighting the crucial role of the auto insurance industry in safeguarding its residents. With the right coverage, drivers can have peace of mind, knowing they are financially protected on the road.

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Top 22 auto insurance companies in California

1. Mercury Insurance

Mercury Insurance is a reputable provider of automobile insurance, delivering a range of products and services designed to meet the needs of drivers. Operating in multiple states, Mercury Insurance offers vehicle coverage that emphasizes customer satisfaction and reliability. Their goal is to provide comprehensive insurance solutions tailored to the unique needs of each customer.

2. Fred Loya Insurance Agency

  • Website: fredloya.com
  • Headquarters: Oxnard, California, United States
  • Founded: 1974
  • Headcount: 1001-5000
  • LinkedIn

Fred Loya Insurance began as a small storefront in El Paso, Texas, in 1974 and has since become the 18th largest Hispanic-owned company in the United States. Our dedication to fast and reliable service combined with competitive rates has made us one of the fastest-growing auto insurance groups in America. We currently operate 526 agencies across Texas, California, New Mexico, Colorado, Georgia, Nevada, Indiana, Alabama, and Arizona.

But we’re not stopping there! Fred Loya Insurance is now licensed in three additional states and plans to expand to Ohio to meet the growing demand for our affordable auto insurance. We offer free auto insurance quotes to help you find the best coverage. In 2013, we wrote over $500 million in premiums and provided insurance to more than 600,000 drivers with over 420,000 active policies.

3. Metromile

  • Website: metromile.com
  • Headquarters: San Francisco, California, United States
  • Founded: 2011
  • Headcount: 201-500
  • LinkedIn

Metromile is a unique car insurance company that focuses on personalized coverage options. With flexible policies, customers can easily tailor their insurance to fit their individual needs. What sets Metromile apart is its pay-per-mile model—drivers only pay for the miles they actually drive, making it a cost-effective solution.

The company is known for its transparent pricing, ensuring that customers know exactly what they’re paying for. Additionally, Metromile maintains frequent communication with its users, enhancing their overall experience. Their user-friendly app provides helpful tools to track driving habits, manage policies, and access support easily.

4. AIS Insurance

  • Website: aisinsurance.com
  • Headquarters: Cerritos, California, United States
  • Founded: 1968
  • Headcount: 501-1000
  • LinkedIn

AIS Insurance is a versatile insurance provider that acts as a one-stop shop for all your coverage needs. Whether you’re looking for car insurance, homeowners insurance, business insurance, or other types of protection, AIS Insurance has you covered.

With a wide range of insurance products, they cater to individuals and businesses alike, ensuring that you can find the right policy to suit your specific requirements. Their commitment to providing comprehensive solutions makes AIS Insurance a reliable choice for anyone seeking quality protection.

5. Adriana’s Insurance Services

Adriana’s Insurance stands out as a premier insurance provider in California, delivering a comprehensive array of insurance products and services. With over 30 years of experience, they have established a strong presence, boasting more than 40 offices throughout Southern California.

Specializing in auto, life, home, commercial vehicle, and business insurance, Adriana’s Insurance is dedicated to meeting the diverse needs of its customers. Their expertise and commitment to customer service make them a reliable choice for individuals and businesses seeking quality coverage.

6. Anchor General Insurance Agency

  • Website: anchorgeneral.com
  • Headquarters: San Diego, California, United States
  • Founded: 1995
  • Headcount: 201-500
  • LinkedIn

Anchor General Insurance Agency is a dedicated auto insurance provider focused on promoting road safety and encouraging responsible driving habits. Their mission goes beyond offering basic auto insurance policies; they aim to save lives by advocating for increased seat belt use and educating customers on the dangers of distracted driving, particularly the risks of using cell phones while behind the wheel.

With a strong emphasis on excellent customer service and efficient claims handling, Anchor General strives to ensure that their clients receive the support they need when it matters most. Choosing Anchor General means opting for a company that prioritizes both safety and customer satisfaction.

7. Veronica’s Insurance

  • Website: veronicas.com
  • Headquarters: San Bernardino, California, United States
  • Founded: 1994
  • Headcount: 201-500
  • LinkedIn

Veronica’s Insurance is a versatile insurance services provider, offering a wide range of coverage options to meet diverse needs. Their services include auto insurance, homeowners insurance, renter’s insurance, health insurance, pet insurance, and life insurance.

With a focus on both individuals and businesses, Veronica’s Insurance caters to clients in California and select other states, ensuring they have the protection they need. Whether you’re looking to safeguard your home, vehicle, or loved ones, Veronica’s Insurance provides reliable solutions tailored to your requirements.

8. Gabi, a part of Experian

  • Website: gabi.com
  • Headquarters: San Francisco, California, United States
  • Founded: 2016
  • Headcount: 51-200
  • Latest funding type: Acquired
  • LinkedIn

Gabi.com is a leading insurance comparison platform designed to help users secure the best rates on various insurance types, including auto insurance, home insurance, renters insurance, umbrella insurance, and landlord insurance.

With its secure and user-friendly interface, Gabi makes it easy for users to compare quotes from multiple insurance providers, ensuring they get the most competitive premiums available. By using Gabi, you can simplify the process of finding affordable insurance and potentially save money on your coverage.

9. Qualitas Insurance Company | USA

Qualitas Insurance Company specializes in providing tailored insurance products that safeguard your assets and reduce risks. With more than five years of industry experience, they offer comprehensive solutions for both domestic and cross-border trucking as well as personal auto insurance.

Qualitas focuses on delivering exceptional service and customized coverage options, ensuring that clients have the protection they need for their unique circumstances.

10. Freeway Insurance Services, Inc.

Freeway Insurance is rapidly emerging as one of the fastest-growing insurance distribution companies in the United States. With decades of experience in the industry, their team of professionals offers an extensive array of insurance plans tailored to meet diverse needs. Whether you require coverage for auto, trucks, commercial vehicles, or homeowners and renters insurance, Freeway Insurance has you covered. They also provide life insurance products, ensuring you have comprehensive protection for what matters most.

11. CSE Insurance Group

  • Website: cseinsurance.com
  • Headquarters: Walnut Creek, California, United States
  • Founded: 1949
  • Headcount: 51-200
  • Latest funding type: Acquired
  • LinkedIn

CSE Insurance Group is a reputable multi-line insurance provider specializing in personal, property, and casualty insurance. Known for its commitment to fairness and integrity, CSE Insurance Group stands out in the industry for delivering exceptional service to its clients. With a focus on meeting diverse insurance needs, they provide reliable coverage that you can trust.

12. Inszone Insurance Services

  • Website: inszoneinsurance.com
  • Headquarters: Rancho Cordova, California, United States
  • Founded: 2002
  • Headcount: 51-200
  • Latest funding type: Private Equity
  • LinkedIn

Inszone Insurance provides a broad spectrum of personal and business insurance services. With a team of experienced agents and strong partnerships with reputable carriers, they offer reliable coverage for home, auto, health, and commercial properties. Their diverse services include general liability insurance, workers’ compensation, property insurance, and more. Inszone Insurance is recognized for its exceptional customer service and tailored approach to insurance solutions, ensuring clients receive the best coverage to fit their unique needs.

13. Wateridge Insurance Services, an Assured Partners Agency

  • Website: wateridge.com
  • Headquarters: San Diego, California, United States
  • Founded: 1984
  • Headcount: 51-200
  • Latest funding type: Acquired
  • LinkedIn

Wateridge Insurance is a dedicated insurance agency specializing in coverage for homeowners, automobiles, renters, and various industries. They provide high-quality insurance options from trusted carriers, including The Hartford, Travelers, CNA, Safeco, and Liberty Mutual. Wateridge Insurance is committed to offering stability and a personal touch in the ever-changing insurance landscape, ensuring that they meet the diverse needs of their customers effectively.

14. Fiesta Auto Insurance

Fiesta Insurance is a versatile insurance provider offering coverage for a wide range of needs, including auto, home, business, rental property, boat, and motorcycle insurance. In addition to their insurance services, they also provide personal and business tax assistance. With a strong emphasis on customer satisfaction, Fiesta Insurance treats every client like family, ensuring a friendly and supportive experience.

15. CSAA Insurance Exchange

At CSAA Insurance Group, personalized service has been our cornerstone for over a century. We are dedicated to providing caring and effective support to our AAA members, aiming to be the leading insurer in their households across all our markets. Our commitment drives our growth, pursuit of excellence, and innovation in the insurance industry.

Community Engagement

We believe in the power of giving back. Each employee at CSAA Insurance Group brings unique perspectives, and together, we focus on serving our communities. Our commitment to making a difference is evident in our daily actions, as we actively seek opportunities to engage and contribute.

Caring Values

Taking care of our business means taking care of each other. Our values-based culture emphasizes integrity and inclusion, which resonate throughout our interactions. We respect the diverse backgrounds of our team members, working together to support our clients and communities.

Notable Achievements

  • Perfect score on the Human Rights Campaign’s Corporate Equality Index.
  • Recognized as one of the 50 most community-minded companies in the U.S. by Points of Light.
  • Received the Gold Fit-Friendly Award from the American Heart Association.
  • Named Auto Insurance Brand of the Year in 2014 and 2016, and Property & Casualty Insurance Brand of the Year in 2017, by the Harris Poll EquiTrend® Study.

Supporting Work/Life Integration

We value the well-being of our employees both inside and outside of work. Our commitment to their health, emotional stability, and financial security fosters a culture where they can provide exemplary service to AAA members. This mutual dedication allows us to achieve greater success together.

16. SWDS Acrisure Agency Partner

  • Website: swds.net
  • Headquarters: Irvine, California, United States
  • Founded: 1987
  • Headcount: 201-500
  • LinkedIn

SWDS.net is a comprehensive finance and insurance (F&I) company, specializing in property and casualty (P&C) services. We provide a range of training, compliance, and consulting services tailored specifically for U.S.-based auto dealers.

Dedicated to Evolving Needs

Our commitment is to adapt to the changing demands of our dealer clients. By offering innovative solutions, including anti-theft hardware, we ensure that our partners can enhance their operational efficiency and security.

Building Valuable Partnerships

By focusing exclusively on the dealer market, SWDS.net positions itself as a valuable ally in extending our clients’ brands. We are dedicated to helping auto dealers thrive in a competitive landscape, providing them with the tools and support they need to succeed.

17. Buyerlink

  • Website: buyerlink.com
  • Headquarters: Walnut Creek, California, United States
  • Founded: 2001
  • Headcount: 51-200
  • Latest funding type: Series D
  • LinkedIn

BuyerLink.com is a versatile platform that provides a variety of services tailored to meet the needs of consumers. Whether you’re looking for home valuations, car sales, or home improvement contractors, we have you covered.

Streamlined Buying and Selling

Our website serves as a valuable resource for individuals looking to buy or sell their homes. With tools to find affordable foreclosed properties and compare insurance rates, BuyerLink.com simplifies the real estate process.

Connecting You with Experts

We connect users with trusted real estate agents, reputable car dealerships, and skilled home improvement specialists. Our goal is to empower consumers with the information and connections they need to make informed decisions.

18. Just Auto Insurance Services., Inc.

Just Auto Insurance is a reliable insurance provider based in California, dedicated to offering a broad spectrum of insurance products and services. We specialize in various types of coverage, ensuring that both individuals and businesses find the protection they need.

Our Insurance Offerings

Our extensive range of services includes:

  • Auto Insurance: Protect your vehicle with comprehensive coverage tailored to your needs.
  • Homeowners Insurance: Safeguard your home and belongings with our reliable policies.
  • Renters Insurance: Enjoy peace of mind knowing your personal property is protected.
  • Boat and RV Insurance: Cover your recreational vehicles for worry-free adventures.
  • Motorcycle Insurance: Get specialized coverage for your motorcycle.
  • Commercial Vehicle Insurance: Protect your business vehicles with tailored insurance solutions.

Multiple Locations Across Southern California

With numerous locations throughout Southern California, Just Auto Insurance is committed to providing accessible and personalized service to our customers.

19. Just

  • Website: just.insure
  • Headquarters: Los Angeles, California, United States
  • Founded: 2019
  • Headcount: 11-50
  • Latest funding type: Convertible Note
  • LinkedIn

Just Insure is an innovative insurance company that specializes in affordable pay-per-mile auto insurance policies. Our unique approach allows customers to save money by paying only for the miles they drive.

Key Features of Our Insurance

  • Customizable Coverage: Our user-friendly mobile app enables you to tailor your insurance coverage to fit your specific needs.
  • Affordable Rates: Enjoy low daily rates and competitive cost-per-mile charges, making insurance more affordable.
  • Minimum Liability and Full Coverage: We provide the state-required minimum liability insurance as well as high-level full coverage options for added peace of mind.
  • ScoreSafe Technology: Our advanced ScoreSafe technology monitors your driving habits, rewarding safe drivers with lower per-mile rates, encouraging responsible driving.

Drive with Confidence

With Just Insure, you can drive confidently, knowing you have insurance that adapts to your lifestyle and rewards safe behavior.

20. Noblr Car Insurance

  • Website: noblr.com
  • Headquarters: San Francisco, California, United States
  • Founded: 2017
  • Headcount: 11-50
  • Latest funding type: Acquired
  • LinkedIn

Noblr is a cutting-edge car insurance company that tailors coverage based on actual miles driven, making it a smart choice for today’s drivers. Our innovative approach rewards safe driving habits and ensures that you only pay for what you use.

Key Features of Noblr

  • Mileage-Based Pricing: Enjoy coverage that adjusts to your driving patterns, ensuring you pay only for the miles you drive.
  • Personalized Rates: Use the Noblr app to track your driving scores and receive customized insurance rates based on your driving behavior.
  • Rewarding Safe Driving: We believe in rewarding safe drivers. The more responsibly you drive, the more you save on your premiums.

Drive Smart, Save More

With Noblr, you get a fair and cost-effective insurance solution that fits your lifestyle. Experience the future of car insurance today, and drive with confidence knowing that your safe driving habits are recognized and rewarded.

21. Chun-Ha Insurance Services, Inc.

  • Website: chunha.com
  • Headquarters: Garden Grove, California, United States
  • Founded: 1990
  • Headcount: 51-200
  • LinkedIn

Chun-Ha Insurance Services is a dedicated insurance agency that offers a wide range of insurance products tailored to meet your individual and business needs. With a focus on providing excellent service and competitive rates, Chun-Ha ensures you receive the protection you deserve.

Our Specialties

  • Health Insurance: Comprehensive group and individual health insurance plans to keep you and your loved ones protected.
  • Commercial Insurance: Customized solutions for businesses of all sizes to safeguard your assets and operations.
  • Automobile Insurance: Reliable auto insurance options that ensure you hit the road with peace of mind.
  • Homeowners Insurance: Protect your home and belongings with our robust homeowners insurance policies.
  • Long-Term Care Insurance: Secure your future healthcare needs with our long-term care insurance solutions.
  • Life Insurance: Financial protection for your family with various life insurance policies tailored to your needs.

Why Choose Chun-Ha?

At Chun-Ha Insurance Services, we pride ourselves on providing economical insurance premiums, excellent coverage, and top-notch customer service. Our experienced agents are here to guide you through your insurance options, ensuring you find the best fit for your lifestyle and budget.

22. Hammer Insurance Services, Inc

Hammer Insurance is a reputable insurance agency based in Southern California, dedicated to providing a diverse range of insurance solutions tailored to meet your needs.

Our Services

  • Car Insurance: Protect yourself and your vehicle with our reliable car insurance options.
  • Home Insurance: Safeguard your home and personal belongings with our comprehensive homeowners policies.
  • Business Insurance: Tailored coverage for businesses of all sizes to protect your assets and operations.
  • Motorcycle Insurance: Enjoy the open road with peace of mind, knowing your motorcycle is protected.

Why Choose Hammer Insurance?

At Hammer Insurance, we prioritize integrity and trustworthiness in everything we do. Our commitment to exceptional customer service ensures that you receive the best insurance solutions for your unique circumstances.

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