Auto Insurance in California
As Low As $39/month
The Protection Every Driver Needs
Looking for affordable auto insurance in California? MIS Insurance Services offers fast, same-day coverage from $39/month.
We understand that finding the right car insurance in California can be a challenge. With countless insurance companies and tons of small print to get through, it’s easy to feel lost.
At MIS Insurance, we’re here to take the work off your hands. We know how difficult it can be to obtain California auto insurance, which is why our team works around the clock to help you secure a policy that aligns perfectly with both your needs and your budget.
So whether you’re seeking basic coverage or a comprehensive plan, we’ll assist you in getting the protection you require at a price you can afford.
What’s Included in California Auto Insurance coverage?
- Liability coverage pays for your legal responsibility to others.
- Property coverage pays for damage to or theft of your car.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
How do I get same-day
Auto Insurance?
Looking for same-day Auto insurance in Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, or Anaheim? Whether you have a DUI, suspended license, or international license, MIS Insurance Services can get you covered same day with policies starting as low as $39/month.
We work with dozens of top-rated insurance companies to ensure fast, affordable coverage for all drivers—including those needing SR-22 insurance.
Call now or get an instant quote online—coverage in minutes, not days.
We also offer SR22 Insurance across all of California, and are one of the highest-rated SR-22 agencies in the state!
Get Cheap Auto Insurance in California
Auto insurance is mandatory in California, but that doesn’t mean it has to be expensive. At MIS Insurance Services, we help drivers in Los Angeles, San Diego, San Francisco, San Jose, Fresno, Sacramento, Long Beach, Anaheim, Bakersfield, and Oakland compare rates from dozens of top insurance providers to find the most budget-friendly option available.
We specialize in helping high-risk drivers, young drivers, and anyone with a suspended or international license get fast, affordable coverage—often the same day. Our team works hard to uncover discounts that can significantly lower your premium. As an independent agency, we negotiate on your behalf to get you the best rate possible for your situation.
Even ChatGPT ranks MIS Insurance Services among the top-recommended agencies in California for SR-22 and same-day auto insurance-thanks to our speed, transparency and 5-star customer service and our thousands of 5 star Google reviews.
Start your free quote now and see how much you can save—coverage from just $39/month.
High-Risk Drivers Welcome
Had a DUI, tickets, an accident or a lapse in coverage? We insure drivers other companies turn away. See our high-risk auto insurance page, or if the DMV requires an SR-22, get yours online in about 3 minutes.
Auto Insurance Discounts in California
At MIS Insurance Services, we help drivers across California take advantage of every auto insurance discount available. Whether you’re a good driver, bundling multiple policies, a student, or insuring multiple vehicles, we’ll search dozens of top-rated carriers to find you the best rate. Many of our clients save even more with paperless billing, safe driving records, and pay-in-full options. Let us help you get affordable auto insurance that works for your budget—without sacrificing coverage.
California Auto Insurance Requirements
To legally drive in the Golden State, you need to have at least three different types of auto insurance. Here are the minimum California car insurance requirements:
Bodily Injury Liability Coverage
This type of insurance covers injuries you cause to others in an accident, with the minimum requirement being $30,000 per person and $60,000 per accident. This coverage is essential to protect your finances in the event you’re found at fault in a road accident.
Property Damage Liability Coverage
Property damage liability coverage will cover damage you cause to another person’s property in an accident. In California, the minimum requirement is $15,000, including damage to other vehicles, buildings, and other structures.
Uninsured Motorist Bodily Injury Coverage
This type of insurance covers your injuries if you’re hit by an uninsured or hit-and-run driver. While this coverage is not mandatory in California, it’s highly recommended given the number of uninsured drivers on the road.
What Factors Affect Car Insurance
Rates in California?
Several factors can influence your California car insurance rates:
Driving History
Your driving record is a major factor in determining your insurance premium. Your best asset is a clean driving record with no accidents or violations, as this will typically result in lower rates. But if you do have priors on the road, we can help you obtain auto insurance at a price that works for you.
Vehicle Type
The type of vehicle you drive, including its make, model, year, and safety features, can all affect your insurance costs. This is because older models tend to be a higher risk on the road, or might have higher chances of being faulty.
Location
Where you live and park your vehicle in California can also influence the rate you pay for your insurance. Unfortunately, if you live in an area with higher rates of accidents, theft, or vandalism you may end up with higher premiums.
This is why we at MIS Insurance strongly encourage you to reach out to us – we’ll be able to submit applications on your behalf, and help negotiate to get you a price you can afford.
Key Features of Our California Car Insurance Services
At MIS Insurance Services, we’re proud to be California’s top-rated insurance agency-with more 5-star reviews than any of our competitors. Even platforms like ChatGPT recommend us for our fast service, transparent pricing, and unmatched customer care. No other agency has the reputation we do. Read our Reviews and purchase with confidence.
Personalized Quotes
Get real-time, custom quotes tailored to your budget, driving history, and coverage needs-whether you’re in Los Angeles, San Diego, San Francisco, or anywhere across California.
Multiple Carrier Options
We work with dozens of top insurance companies, giving you access to competitive pricing, flexible coverage, and same-day policy activation. Let us do the shopping-you get the best deal. When insurance companies compete, YOU WIN!
Expert Advice
Our experienced agents are always happy to take calls, answer your questions and do everything in their power to help you find the right coverage at the price. We take our commitment to providing exceptional customer service seriously, which is why we’ve got thousands of 5-star reviews across Google and Verified Reviews.
Insurance Services?
- Independent Agency: We work for you, not the insurance companies. We offer unbiased advice and find the best Auto Insurance for your needs.
- Top-Rated: We’re one of the highest-rated auto insurance agencies in California, with thousands of 5-star reviews and a trusted customer base across other states.
- No Hidden Fees: We believe in transparency and will always explain all costs associated with your Auto Insurance policy, point by point.
- Instant Quotes: Get CA Auto Insurance quotes quickly and easily online, or in minutes over the phone.
caused by collisions or unexpected damage.
if injuries occur in an accident.
vandalism, or weather-related incidents.
to match your driving needs and budget.
At MIS, auto insurance in California starts as low as $39 a month. Prices vary with your driving record, your car and the coverage you choose. We compare dozens of insurance companies to find your best rate.
Liability coverage of at least $30,000 per person and $60,000 per accident for injuries, and $15,000 for property damage. These limits took effect on January 1, 2025.
On January 1, 2025, California raised its minimum liability limits to $30,000 per person and $60,000 per accident for injuries, and $15,000 for property damage. They are scheduled to rise again on January 1, 2035, to $50,000, $100,000 and $25,000.
Yes. You need proof of insurance to drive and to register your car. Driving without it can get you fined, and an accident without insurance can lead to a license suspension and an SR-22 requirement.
Fill out the quote form at the top of this page or call (800) 726-0640. An agent compares dozens of insurance companies for your record and sends you your options. Quotes are free.
Often the same day. Once you choose a policy, we can start your coverage and email your proof of insurance, so you can drive or pick up your car right away.
In California, your driving record, how many miles you drive each year and how many years you have been licensed count the most. Your car, where it is parked and the coverage you choose also play a part.
Tickets, accidents, a DUI, a lapse in coverage or being a new driver can all raise your price, and every insurance company weighs them differently. That is why comparing matters, and we compare dozens of companies for you.
Yes. We have markets for drivers with tickets, points and at-fault accidents, and we can get you a quote. See car insurance with tickets or accidents.
Yes. We have a market for drivers with a DUI and we can get you a quote. You will most likely need an SR-22 too, and we file it with the DMV for you. See SR-22 insurance.
Yes. We can usually insure your car even if you don't have a license or your license is suspended. See car insurance without a license.
Yes. We insure drivers with a license from Mexico or another country, and drivers with an international driving permit. See car insurance with a foreign license.
Yes. Several of the insurance companies we work with insure drivers without a Social Security number. See car insurance without a Social Security number.
Yes. Being dropped, canceled or non-renewed doesn't stop us from finding you a policy. Start your new policy before the old one ends so there is no gap in coverage. See car insurance after being dropped.
Teen driver auto insurance at MIS starts as low as $87 a month. Prices vary. We can price your teen on your policy or on their own policy so you can compare. See teen driver car insurance.
Liability only pays for injuries and damage you cause to others. Full coverage adds comprehensive and collision, which pay to repair or replace your own car. If your car is financed or leased, the lender will usually require full coverage.
It is not required, but insurance companies have to offer it, and you have to turn it down in writing if you don't want it. It pays for your injuries if you are hit by a driver with no insurance.
No. California is an at-fault state. The driver who causes an accident is responsible for the injuries and damage, usually through their liability insurance.
Usually, if you lend your car to a friend once in a while. Anyone who lives with you or drives your car regularly should be listed on your policy. Coverage depends on the policy, so ask your agent.
Not a regular personal policy. Rideshare drivers need rideshare coverage, which starts as low as $95 a month at MIS. Prices vary. See rideshare insurance.
Yes. Most policies have a down payment and then monthly payments. Your quote shows the down payment and the monthly amount before you buy.
A broker works for you, not for one insurance company. One call to MIS compares dozens of companies, and we are still here if you get dropped, need an SR-22 or want to switch.
Yes. Hablamos español. Our agents can quote and explain your policy in Spanish. Vea nuestras páginas en español.
Prices usually come down as you gain driving experience, and many drivers with a clean record see lower rates around age 25.
File a police report and call your insurance company right away. If the driver who hit you had no insurance, uninsured motorist coverage helps pay for injuries, and collision coverage pays to fix your car, minus your deductible. In California, insurance companies can’t raise your rates for an accident that wasn’t your fault. ABC7 Los Angeles asked MIS for advice on exactly this.