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Every driver in California is required to carry at least 30/60/15 liability coverage — $30,000 of bodily-injury coverage per person, $60,000 per accident, and $15,000 for property damage. Beyond the legal minimum, most drivers weigh full coverage (adding comprehensive and collision, which protect your own car against accidents, theft, and vandalism) against liability-only, which costs less but leaves your own repairs out of pocket.
Insurance companies price the same driver very differently. Your ZIP code, vehicle, annual mileage, and driving record are weighed on a different scale at every company — the carrier that's cheapest for your neighbor may be one of the most expensive for you. Comparing multiple insurance companies at once through a licensed independent agent is the fastest way to find the one that prices your situation best, whether you're in Los Angeles, San Diego, Sacramento, Fresno, or anywhere in between.
California requires carriers to offer a good-driver discount to qualifying motorists, and most companies also offer multi-car, good student, low-mileage, and bundling discounts (auto plus renters or home insurance). Income-eligible drivers can also ask about California's Low Cost Automobile Insurance Program — a state option many drivers have never heard of. A licensed agent checks all of it as part of your free quote.