Expertise.com
2024

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Best Local Car Insurance Agencies in California

Our Recommended Top 17

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored California Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

22444

Reviewed

13473

Curated

17

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Turlock

Why choose this provider?

insureCAL Insurance Agency serves individuals and businesses in 25 states, including California. It provides a diverse range of personal and commercial insurance products, including car coverage plans. It drafts auto insurance policies that cover a variety of road incidents and risks that drivers may encounter. In addition, the agency uses a consultative approach to deal with different sorts of drivers, such as teenagers and veterans, and select the most suitable policies for them. Around the clock customer support is available.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Redding

Why choose this provider?

Siskiyou Insurance Services, Inc., has been serving California since 1993. The best insurance company in the Golden State comprises five agents and three customer service representatives. They provide a wide selection of products, including auto, home, life, and health insurance, in addition to commercial liability and workers' compensation coverage. Its auto insurance policy covers various features, such as rate protection and disappearing deductibles. Siskiyou Insurance Services represents numerous insurance carriers, including Liberty Mutual, Kemper, Hartford, and Allied. It is also a provider of Blue Shield of California.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
4.7 / 5 (21)
Google
4.4 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
Hermosa Beach

Why choose this provider?

Beach Coast Insurance & Financial Services is an independent agency that serves customers in California. It offers home, umbrella, and pet insurance, in addition to surety bonds and workers' compensation coverage. It also helps individuals protect their vehicles, providing auto, collector car, motorcycle, and snowmobile insurance. Its auto insurance policy includes comprehensive and collision coverage. The company offering the best coverage in the state represents various carriers, including American Modern, Pacific Speciality, Progressive, Safeco, Kemper, and Travelers. It also assists clients with policy change requests.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Yelp
5.0 / 5 (28)
Facebook
4.7 / 5 (25)
Google
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Redondo Beach

Why choose this provider?

Established in 1945, Bookhammer Insurance is a family-owned business serving clients in California. Owner and agent Barbara Bookhammer has been in the industry for more than 35 years. She specializes in helping individuals protect their assets through auto and homeowners' insurance. Bookhammer provides clients with a consultation to determine their needs and help them find the options that fit their situation. She also works with various carriers, including Safeco, Foremost, Infinity, Mercury, and the First American Insurance Company.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Lakeside

Why choose this provider?

James Fread is an insurance agent who serves individuals and businesses in California. He has been representing State Farm since 2005, providing home, health, life, pet, and business insurance. Fread also specializes in car insurance that features various coverage options, such as rideshare, rental, collision, and comprehensive coverage that helps policyholders whose vehicles are stolen or damaged by hail, flood, fire, and wind. This policy also covers sports and antique cars. In addition, Fread offers banking and financial services.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Fullerton

Why choose this provider?

Williams Insurance is a family-owned and family-operated business that serves customers in California. The independent agency has been in the industry for over 75 years, helping clients protect their most valuable assets. It offers a wide range of the cheapest insurance products, including auto, health, life, home, and business insurance. Its auto insurance policy includes various coverage, including uninsured motorists, property damage, and bodily liability insurance. The company also represents a variety of carriers, including Allied, Travelers, Progressive, Mercury, and Safeco.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (237)
Facebook
4.9 / 5 (65)
Yelp
4.3 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
El Sobrante

Why choose this provider?

Sonny Randhawa is a State Farm agent who serves clients in California. He offers a variety of products, including auto, life, health, home, pet, and business insurance. His auto insurance policy covers various options, including rental, rideshare, collision, and comprehensive coverage. Banking and mutual funds services are also offered. To give back to the community, Randhawa serves as a board member of the El Sobrante Chamber of Commerce. He also volunteers for the American Cancer Society and the Rotary Club.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Concord

Why choose this provider?

Monumental Insurance Services, LLC, caters to customers in California. It offers a wide selection of personal insurance, including auto, motorcycle, watercraft, home, and umbrella coverage. Its auto insurance policy features liability options that include damage, uninsured motorist, and medical payments coverage. The policy also covers damage to the vehicle resulting from fire, theft, flood, or contact with an animal. The best insurance company in the state also serves the needs of businesses, providing general liability, builder's risk, and workers' compensation insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (8)
Google
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Redondo Beach

Why choose this provider?

Michael Eastman Insurance Agency is an independent business serving customers in California. It aims to help clients build shields around them and their assets to protect them from the unexpected and manage every life risk. The company offers a wide selection of products, including auto, home, life, health, and business insurance. Its auto insurance policies include injury liability, collision, and comprehensive coverage. Michael Eastman Insurance Agency works with various carriers, including Foremost, GeoVera, Infinity, Mercury, Travelers, and Liberty Mutual.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
San Dimas

Why choose this provider?

Bethany Insurance Agency is a locally owned and operated business that serves customers in California. It offers auto, motorcycle, umbrella, life, and home insurance, helping clients protect their families and assets. Its auto insurance may include collision, comprehensive, liability, and medical payment coverage options. The company also serves the needs of businesses, providing general and professional liability, business owners' policy, and workers' compensation insurance. It represents various carriers, such as Progressive, Nationwide, Infinity, Travelers, and Hartford.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Turlock

Why choose this provider?

CalWest Insurance Agency, LLC, has been securing policies for clients in Califonia for over two decades. Its insurance agents write policies for client's valuable assets or properties, such as coverage plans for cars, recreational vehicles, homes, and businesses. They can also shop on behalf of clients and find the appropriate coverage that matches their needs. In addition, the company offers life insurance that protects the policyholders and their loved ones. Its partner carriers include MetLife, Ameritas, and Foremost Insurance Group.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Redlands

Why choose this provider?

Established in 1958, Saint Moore Insurance Agency is a family-owned business that serves customers in California. It writes auto insurance plans that protect the policyholders' vehicles from liability and damages. The business also offers other personal and business protection programs, such as auto, homeowners', life, health, general liability, and workers' compensation insurance. Its owners and operators, Chris and Malia Moore, participate in various charitable boards across the Inland Empire. They are also members of the California Construction Association.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Redlands

Why choose this provider?

Amlani Insurance Agency serves individuals and business owners in California. The firm offers a variety of insurance products, such as policies for cars. These cover the cost of repairing or replacing vehicles that have been stolen or damaged due to situations other than accidents. Its representatives assist clients who need help filing a claim, processing a payment, or understanding their insurance coverage. Amlani Insurance Agency is also licensed to serve clients in seven other states.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Vacaville

Why choose this provider?

Eastman Insurance Solutions is an independent agency serving individuals and business owners in California. It has been catering to over 2,000 customers, providing car, home, life, and umbrella insurance, in addition to business and high-net-worth coverage. Its car insurance policies include options for standard auto and collector cars. The policy features collision, comprehensive, bodily injury liability, and property damage coverage. The agency represents numerous carriers, including Chubb, Foremost, Allied, Mercury, Nationwide, and American Modern. Providing the best insurance services in the state, it also has a mobile application available to clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (82)
Facebook
5.0 / 5 (29)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Temecula

Why choose this provider?

Established in 1986, LPK Insurance Services Inc. is a family-owned agency serving clients throughout California. It writes the cheapest auto insurance policies that protect cars in case they are stolen, damaged, or destroyed by fire or in an accident in which no other cars are involved. The firm also offers policies that cover damages caused by uninsured motorists to clients' automobiles. In addition, there are coverage options available for classic cars, recreational vehicles, and motorcycles. LPK Insurance Services is also licensed to serve Nevada.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
San Francisco

Why choose this provider?

Jake Stewart is an insurance agent who serves individuals and businesses in California. He is a third-generation State Farm agent who has been in the industry since 2006. Stewart offers auto insurance policies and provides clients with comprehensive, collision, ride-share, and rental coverage options. He also handles other types of products, including health, life, home, and business insurance. Stewart holds a designation as a Chartered Financial Consultant and serves as a board member for Lifewater International.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
Redlands

Why choose this provider?

Hit and Run Insurance Services - Redlands caters to individuals and companies throughout California. Since its inception in 2008, the agency has been providing insurance solutions to car owners and drivers. It also works with an array of carriers to meet the specific needs of its clients, whether they need coverage for cars, motorcycles, RVs, or commercial vehicles. The firm also offers vehicle registration, tax preparation, and notary services. In addition, it crafts policies for homes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

  • How does car insurance work?

    Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

  • What does car insurance cover?

    Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

  • Does car insurance cover theft?

    Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

  • How does a car insurance deductible work?

    A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

  • Do you need insurance to register a car?

    Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.