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Economics Summaries
Auto Insurance

Compare
California Auto Insurance
List of Companies - Comparison Chart
by Vaughn Aubuchon

Here is a table listing the major companies which offer automobile insurance for California residents.



There are vastly different premiums required for the same person, depending upon the insurance company. For instance, Geico claimed to offer cheap auto insurance, so I filled out an application. The quote I received was OVER TWICE what I had been paying, and currently pay. You must compare auto insurance quotes, when seeking cheap auto insurance.

It is impossible to avoid Geico and Progressive TV ads - guess who pays for them? The customer, that's who - through expensive premiums. You pay for the insurance, and you pay for their advertising. Because of this, companies that do the most advertising, have the highest premiums. Inescapable economics. My insurance is cheap. They don't advertise, at all. Keep this in mind.

300

140


.
California Auto Insurance
Companies Compared

Company Name
(alphabetical)
Headquarters
Location
Toll-Free #
2006
Cal.
Size
Rank
Web
Site
Age

Note

Google
"x $ucks" metric
Forbes
Satis-
faction
Rank

21st Century Insurance Company (AIG)

Woodland Hills, CA
1-800-870-8212

874
1999

Merged with
AIG auto insurance

-

15

AAA -
American Automobile Association

Refuse to say -
no "About"
none

???

1998

Must enter ZIP

14
21

Allstate

Northbrook, IL
1-866-621-6900

995

1997

#1 in negative
comments

13,900
20

California State
Automobile Association

San Francisco, CA
none

???

1996

Must enter ZIP

-

nr

Eastwood Insurance

Anaheim Hills, CA
1-800-468-LESS

-

1999

Nor. Cal.

0

nr

Esurance
(White Mountains Insurance Group)

San Francisco, CA
(Bermuda)
1-800-378-7262

-

2000

-

65
18

Farmer's Insurance Group
(Zurich Financial Services)

Los Angeles, CA
none

1,079

1997

Must enter ZIP

544
16

Geico (Berkshire Hathaway)

Chevy Chase, MD
1-800-861-8380

358

1997

High premiums
due to TV ads

1,130
11

Hartford, The

One Hartford Plaza
Hartford, CT 06155

can't find

1998

I'm bombarded by AARP

12,400
1

Mercury General Corp.

-
-

1,099
-

Uses many names

-

nr

California Automobile Insurance Company

?
none

-

-

No website

-

nr

Mercury Insurance Company

Los Angeles, CA (PDF)
1-800-956-3728

-

1998

-

8
24

Mercury Casualty Company

Los Angeles, CA
1-800-431-6654

-

-

No website

-

nr

Nationwide Auto Insurance
link removed 7-11-2014

Link removal request received 7-11-2014 - Since Nationwide has decided that my link to them is illegitimate, there is no reason or incentive for me to list their information here. Find them using Google.

Progressive Auto Insurance

Mayfield Village, OH
1-800-776-4737

454
1998

High premiums
due to TV ads

1,990
22

Safeco Insurance

Seattle, WA
1-800-903-0679

191

2007

-

446
14

State Farm Auto Insurance

Bloomington, IL
none

1,370

1996

Must enter ZIP

1,980
7

The General Auto Insurance
(General Automobile Insurance Services)

Nashville, TN
1-866-519-7422

-

1998

Many TV ads

0

nr

Allstate seems to be the worst, regarding negative comments on the web.
Progressive and State Farm also have many
negative comments. The last column shows the satisfaction results compiled by Forbes Most Satisfaction.

-

220 - 640

150

40

40

110

40

40


.
2011 Advertising Expenditures
by Insurance Company

Company
Ads
Advertising Dollars
(millions)
Increase
over 2010

GEICO

Gecko (I hate him)

$ 993.8
10 %

State Farm

Jimmy's granny

$ 813.5
29 %

Allstate

Mayhem

$ 745.3
12 %

Progressive

Lipstick Flo

$ 536.1
9 %

Farmers

Weird professor

$ 464.2
30 %

Liberty Mutual

(not in Calif.)

$ 332.5
17 %

Nationwide

Is on your side

$ 277.3
1 %

Source: www.snl.com
WHO do you think pays for the huge advertising bill? YOU do!
For instance, GEICO said "15 minutes may save you 50%". I spent 15 minutes. My quote was OVER TWICE what I was currently paying. I was expected to pay for their advertising. The lowest premiums are only available at "no-name" companies, who do not spend hundreds of millions on advertising.

-

120

170 - 450

90

70


.
Progressive Savings Claims -
From 4 Different Ads

Progressive
Commercial
Name

1.
"Money Suit"
10-21-10

-

Company
"Corinna"
"Bob & Nancy" Quotes

Relative Cost

Progressive

$ 348
$ 512

Higher

State Farm

$ 440
$ 584

Higher still

Nationwide

$ 485
$ 664

Most expensive

Amer. Family

$ 556
$ 736

100 - 450

70

70

210


Progressive
Commercial
Name

2.
"Pants on Fire"
11-21-11

-

Company
Jessica T.
-

.
Relative Cost

Amer. Family

$ 375

-

Total BS
1. Are these annual quotes?
2. What coverage is involved?
3. Is coverage consistent between ads?

Progressive

$ 396

-

State Farm

$ 408

-

Nationwide

$ 419

-

100 - 450

70

70

210


Progressive
Commercial
Name

3.
"Gravity"
9-11-12

-

Company
Marie
.
George

Relative Cost

Progressive

$ 387
$ 306

Total BS
1. Are these annual quotes?
2. What coverage is involved?
3. Is coverage consistent between ads?

State Farm

$ 436
$ 397

Nationwide

$ 479
$ 429

AllState

$ 547
$ 509

-

Progressive
Commercial
Name

4.
"Who Are Them"
12-10-12

-

Company
Clint
Rachel

.
Relative Cost

Progressive

$ 371
$ 366

Total BS
1. Are these annual quotes?
2. What coverage is involved?
3. Is coverage consistent between ads?

State Farm

$ 396
$ 402

Amer. Family

$ 478
$ 471

AllState

$ 583
$ 556

Source: YouTube
If I were Allstate, I would SUE Progressive, for such non-specific bullspit.

This ads imply that State Farm, Nationwide, and Allstate ARE ALWAYS more expensive. BULL!

100 - 450

70

70

210


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California Auto Insurance
Quote Information

(for online quote comparison purposes,
liability-only for simplification)

Form Info Required

Quote Info
Entered

Note

Person
ZIP
Name
email
Address
Location
Age

-
95120
Joe Blow
spam@noway.com
123 Home Ave.
San Jose, CA
32

-
Low income neighborhoods pay much more
-
Expect to be spammed senseless
Expensive neighborhoods pay much less
ZIP code determines premium
Young
drivers pay much more - more accidents

Sex
Status
1st License
Accident last 5 years?
Violation last 3 years?
Own Home?

Male
Single . . . . . . . . .
1993
No . . . . . . . . . . .
No
No . . . . . . . . . . .

Male drivers pay much more - more wild
Single drivers pay much more
Experienced drivers pay far less
Accident drivers pay more, esp. if young
Drivers with traffic tickets pay more
Homeowners pay less - more responsible

Car
Year/ Make
Model
Miles/ Year
Paid for?

-
2000 Toyota
Camry Solera
12,000
Yes

-
SUV
drivers pay more than compact drivers
Models with high accident rates pay more
High mileage drivers pay more
"Paid for" results in paying less

In almost EVERY case, you must give ALL your personal information FIRST, or you cannot proceed. This is unfortunate, because at any point, if you don't like the subsequent questions (some are too personal), and decide to stop, they ALREADY have your personal information, so that they can spam you senseless with emails and phone calls.

That's why I don't do this, except with a throwaway email address, and false information. I refuse to become their relentlessly targeted pigeon, before I have reviewed all my other alternatives. I prefer the "soft" sell.

-

171

120

300 - 600



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Vaughn's Other
INSURANCE-Related Pages

* AARP Offers

*
Cal-Auto Insurance

*
Cal-Health-Insurance

*
Medicare Enrollment

*
Personal SS Payments

*
SS Payment Estimator




Disclaimer:
Many web pages claim a "List of California Auto Insurance Companies", yet not a single one actually has a list.
That's why I made this summary page - an actual list of the top California Auto Insurance Companies.
The above data was summarized from each company website listed above.
The author is not perfect, and errors can occur.
This California auto insurance company comparison chart is meant as a guide only.
Be sure and get several quotes, before buying auto insurance. There are many bogus marketing claims.

My personal thought: An innovative company might want to supply a "Quick Estimate Quote", which DOES NOT REQUIRE an email address. They would get A LOT MORE inquiries if they did this. Many, many folks are tired of email spam. If the quote is in the ball park, an interested driver could then, and only then, supply the personal information for a formal quote. If they lowball the initial quote, everyone will know about it soon enough, and develop a "bad taste" in their mouth about the company. BOTH PARTIES could benefit from such an arrangement. (It will never happen though, due to the "hook 'em and bombard 'em" mentality of the marketers). Personal privacy on the web and freedom from spam have become huge issues.

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Vaughn Aubuchon
Vaughn's Summaries
©2008, 2012 Vaughn Aubuchon
www.vaughns-1-pagers.com
All Rights Reserved

This Vaughns Cal Auto Insurance companies
summary chart was last updated on 2014-10-20.