Who runs California Rate Finder

Proposition 103 made California's rating system different from every other state's. This site explains the three required factors, the short list of optional ones, and what an insurer may not use.

What you will find here

• Rate factor explorer — Pick any factor — credit score, age, ZIP code, prior insurance, marital status — and see whether California lets an insurer use it to set your auto rate, with the law behind it.
• 49 guides on how California car insurance rates are built, including The Three Factors That Legally Come First, What California Insurers Are Not Allowed to Price You On, Why Everything After the Big Three Is Capped.
• A free quote prepared by a licensed California agent: start here, or call (619) 363-4466.

Who runs this site

californiaratefinder.com is published by Auto World Insurance Services (Yako Enterprises Inc.), a licensed California insurance broker — CA Insurance Broker License #6005606. You can look that license up on the California Department of Insurance website, insurance.ca.gov. Quote requests from this site go to our licensed agents, who compare insurance companies for you. We are a broker, not an insurance company: policies are issued by the insurance companies we place them with.

How these pages are written

• Every legal statement in our tools links to the statute, regulation or DMV page it comes from, and we are adding those sources to our older guides as we review them.
• When something depends on your insurance company, the page says it varies by company instead of guessing.
• We do not publish average or typical rate figures.
• A page's "Updated" month changes only when its content really changes.
• Our free tools run in your browser; nothing you type into a tool is sent to us. (The quote form is how you choose to send us your details.)

Getting a quote

Getting a quote is free, and there is no obligation to buy. If something on this site does not match your situation, a licensed agent can look at your actual policy with you.