Quote comparison tool
Two quotes can differ by hundreds of dollars and still not be comparable: one has half the liability limits, the other quietly drops uninsured motorist coverage. Enter what each quote shows and this tool lines them up — the true monthly cost with fees, and every place they are not apples to apples.
Enter your quotes
| Quote A | Quote B | Quote C | |
|---|---|---|---|
| Label | |||
| Term (months) | |||
| Premium for the term ($) | |||
| Fees ($) | |||
| Liability limits (e.g. 30/60/15) | |||
| Uninsured motorist | |||
| Comprehensive deductible ($, blank = none) | |||
| Collision deductible ($, blank = none) | |||
| Rental / roadside |
Match the coverage, then compare the price
California sets a floor, not a standard: every policy must carry at least 30/60/15 in liability (Vehicle Code 16430), and must include uninsured motorist coverage unless you sign it away in writing (Insurance Code 11580.2). Everything above that — higher limits, comprehensive and collision, rental, roadside — is a choice, and each quote may have made a different one for you.
Why the same driver gets different prices
Every California insurer uses the same three required factors — driving record, miles driven and years of experience — but each files its own rating plan with the Department of Insurance and weighs the optional factors differently (10 CCR 2632.5). Once the coverage matches, a price difference is real, and it is worth taking.
Sources (official)
- California Vehicle Code section 16430 (the 30/60/15 minimum)
- California Insurance Code section 11580.2 (uninsured motorist coverage and written waivers)
- California Code of Regulations, title 10, section 2632.5 (why the same driver can price differently)
The tool compares only what you enter. A quote is not a policy until the company issues it, and the price can change if the information behind it changes.
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Get My Free QuoteQuick answers
How do I compare car insurance quotes fairly?
Match the coverage first, then compare price: the same liability limits, the same uninsured motorist limits, the same deductibles and the same extras, over the same term, with fees included.
Why is one quote so much cheaper than the others?
Often because it covers less: lower liability limits, uninsured motorist coverage removed, a higher deductible, or no comprehensive and collision. Line them up before deciding.
Is uninsured motorist coverage required in California?
A California liability policy must include it unless the named insured signs a written agreement to delete it or take lower limits (Insurance Code section 11580.2).
Should I compare a 6-month quote with a 12-month quote?
Only after converting both to the same period. This tool converts each quote, fees included, to a monthly figure.